THE INFLUENCE OF FINANCIAL LITERACY AND DIGITAL TECHNOLOGY UTILIZATION ON FINANCIAL PERFORMANCE OF MSME ACTORS IN JATINEGARA DISTRICT
Keywords:
Financial literacy, Digital technology, Financial performance, MSMEs, JatinegaraAbstract
This study aims to analyze the influence of financial literacy and the use of digital technology on the financial performance of Micro, Small, and Medium Enterprises (MSMEs) in Jatinegara District. Using a quantitative approach, the research involved 173 respondents selected through a simple random sampling technique from a total population of 304 MSME owners. Data were collected using questionnaires and analyzed through classical assumption tests, multiple linear regression analysis, t-tests, and F-tests. The results show that financial literacy has a significant effect on financial performance, indicating that MSME owners with better financial understanding are more capable of managing business finances effectively. In contrast, the use of digital technology does not significantly affect financial performance, implying that technology adoption among MSMEs has not been optimized to improve business outcomes. Simultaneously, both financial literacy and digital technology have a significant joint effect on financial performance. The coefficient of determination (R²) of 0.316 indicates that 31.6% of the variation in financial performance can be explained by both independent variables, while the remaining 68.4% is influenced by other factors outside the model. This finding highlights the importance of enhancing financial literacy and optimizing technology adoption to strengthen MSME sustainability and competitiveness in the digital era.
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