MSMe Performance Mediates The Relationship Between Financial Access, Financial Literacy and Financial Digital with Business Sustainability

  • Ratna Diah Universitas Pamulang
  • Masno Marjohan Pamulang University
  • Holiawati Holiawati Pamulang University

Abstract

This study aims to analyze the effect of financial access, financial literacy, and digital finance on business sustainability through MSME performance as a mediating variable among MSMEs participating in the Jabar Naik Kelas Program in Depok City.

This research used a quantitative method with a causal associative approach involving 105 respondents selected using saturated sampling. Data were collected through questionnaires and analyzed using SEM-PLS with SmartPLS 4.0.

The results indicate that financial literacy, digital finance, and MSME performance have a positive and significant effect on business sustainability. Financial literacy and digital finance also positively affect MSME performance. Meanwhile, financial access does not significantly affect MSME performance or business sustainability. MSME performance is proven to mediate the influence of financial literacy and digital finance on business sustainability.

Published
2025-09-01
How to Cite
Diah, R., Marjohan, M., & Holiawati, H. (2025). MSMe Performance Mediates The Relationship Between Financial Access, Financial Literacy and Financial Digital with Business Sustainability . Journal of Investment Development, Economics and Accounting, 2(2), 163 - 173. Retrieved from https://ojs.ideanusa.com/index.php/JIDEA/article/view/411
Issue
Vol 2 No 2 (2025): Journal Of IDEA
Section
Articles