The Role Of Financial Literacy In Mediating Influence Economic Digitalization And Financial Management On Financial Performance In Businesses Micro Small And Medium

Linzzy Pratami Putri

Abstract


This research aims to determine and analyze the role of financial literacy in mediating the influence of economic digitalization on financial performance. To determine and analyze the role of financial literacy in mediating the influence of financial management on financial performance among micro, small and medium enterprises (MSMEs) in Langkat Regency. This study uses a quantitative approach. The population in this study was 174,871 people. Sampling in the research used the Slovin formula with a sample of 100 people. The data collection techniques used were observation, interviews and questionnaires. The data analysis technique uses SEM PLS (Structural Equestion Model - Parital Least Square) which is a development of path analysis and multiple regression. There are three models in PLS, namely inner model, outer model, and weight relation. The results of this research show (1) there is a positive influence of economic digitalization on financial performance (2) there is a positive influence of financial management on financial performance (3) there is a positive influence of economic digitalization on financial literacy (4) there is a positive influence of financial management on financial literacy (5) ) there is a positive influence of financial literacy on financial performance (6) there is a positive influence of economic digitalization on financial performance through financial literacy (7) there is a positive influence of financial management on financial performance through financial literacy.


Keywords


Financial Literacy, Economic Digitalization, Financial Management, Financial Performance

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DOI: https://doi.org/10.30596/miceb.v2i0.858

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