IDEAS home Printed from https://ideas.repec.org/a/rbs/ijbrss/v13y2024i5p596-606.html
   My bibliography  Save this article

The influence of financial literacy and the use of financial technology on business performance through financial inclusion

Author

Listed:
  • Priska Rosalia Margijoyo

    (University of Brawijaya)

  • Kusuma Ratnawati

    (University of Brawijaya)

  • Siti Aisjah

    (University of Brawijaya)

Abstract

That are many factors that can influence country's economic growth. Given its important contribution to Gross Domestic Product (GDP) and job creation, it is necessary to further study what factors can affect the existence and the performance of SMEs. This study aims to analyze the effect of financial literacy and the use of financial technology on the performance of SMEs mediated by financial inclusion. The data was collected using purposive sampling technique by distributing questionnaire. The sample of this study consists of 150 culinary SME actors in Malang City that have used QRIS (Quick Response Code Indonesia Standards) application as one of the payment methods. Collected data was analyzed using PLS software. The results showed that there is a significant influence between financial literacy and the use of financial technology on business performance. Financial inclusion can significantly mediate the effect of financial literacy and the use of financial technology on business performance. Key Words:Business performance, financial inclusion, financial literacy, financial technology

Suggested Citation

  • Priska Rosalia Margijoyo & Kusuma Ratnawati & Siti Aisjah, 2024. "The influence of financial literacy and the use of financial technology on business performance through financial inclusion," International Journal of Research in Business and Social Science (2147-4478), Center for the Strategic Studies in Business and Finance, vol. 13(5), pages 596-606, July.
    • Handle: RePEc:rbs:ijbrss:v:13:y:2024:i:5:p:596-606
    DOI: 10.20525/ijrbs.v13i5.3514
    as

    Download full text from publisher

    File URL: https://www.ssbfnet.com/ojs/index.php/ijrbs/article/view/3514/2413
    Download Restriction: no
    File URL: https://doi.org/10.20525/ijrbs.v13i5.3514
    Download Restriction: no
    File URL: https://libkey.io/10.20525/ijrbs.v13i5.3514?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:rbs:ijbrss:v:13:y:2024:i:5:p:596-606. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Umit Hacioglu (email available below). General contact details of provider: https://edirc.repec.org/data/ssbffea.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.