The influence of digital transformation and financial literacy on MSME performance with innovation as a mediating variable (A study on MSMEs in Purwosari district)

Choiruddin, Muhammad Nanang (2026) The influence of digital transformation and financial literacy on MSME performance with innovation as a mediating variable (A study on MSMEs in Purwosari district). Jurnal Manajemen Motivasi, 22 (1). pp. 2715-2726. ISSN 2085-1596

Preview

Text 27631.pdf - Published Version Download (527kB) | Preview

Abstract

This study examines the influence of digital transformation and financial literacy on MSME performance through innovation in Purwosari District, Pasuruan. Using a quantitative approach, data were collected from 100 MSMEs and analyzed with PLS-SEM. The results show that digital transformation directly improves MSME performance, whereas financial literacy has no direct effect. Both variables significantly enhance innovation, which positively affects performance and mediates their relationships with performance. These findings highlight innovation as a key mechanism for transforming digital capabilities and financial knowledge into business outcomes. Therefore, strengthening innovation capacity is essential for improving MSME competitiveness and sustainability.

Item Type:	Journal Article
Keywords:	Digital Transformation; Financial Literacy; Innovation; MSME Performance; Technology Adoption; Knowledge-Based View; Business Competitiveness; Indonesia
Subjects:	15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1503 Business and Management > 150304 Entrepreneurship 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1503 Business and Management > 150307 Innovation and Technology Management 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1503 Business and Management > 150314 Small Business Management 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1502 Banking, Finance and Investment 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1503 Business and Management
Divisions:	Faculty of Economics > Department of Management
Depositing User:	Muhammad Nanang Choiruddin
Date Deposited:	01 Jul 2026 08:19

Downloads

Origin of downloads

Actions (login required)

View Item