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Unlocking MSME Growth: The Role of Financial Literacy, Digital Finance, and Financial Inclusion in Driving Performance
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Author(s): Ardi Gunardi (Universitas Pasundan, Indonesia), Erik Syawal Alghifari (Universitas Pasundan, Indonesia), Lira Mustika Sari (Universitas Pasundan, Indonesia), Atang Hermawan (Universitas Pasundan, Indonesia)and Egi Arvian Firmansyah (Universitas Padjadjaran, Indonesia & Universiti Brunei Darussalam, Brunei)
Copyright: 2026
Pages: 20
Source title:
Promoting Inclusivity and Accessibility With FinTech
Source Author(s)/Editor(s): Masairol Masri (Universiti Brunei Darussalam, Brunei), Muhammad Azmi Sait (Universiti Brunei Darussalam, Brunei)and Muhammad Anshari (Universiti Brunei Darussalam, Brunei)
DOI: 10.4018/979-8-3373-1112-8.ch004
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Abstract
The financial literacy of the MSME actors has attracted much attention from researchers and practitioners. This study aims to explore how financial literacy affects MSME performance. Partial Least Squares Structural Equation Modeling (PLS-SEM) is used to analyze the responses from 100 MSME actors in Bandung City, including to test the moderated mediation hypothesis. This study reveals the role of financial literacy in improving MSME performance through financial inclusion. Besides, it further reveals the effect of financial inclusion on MSME performance when MSME actors use digital finance compared to those who do not use it. This study provides new theoretical insights into the literature on the mediating role of financial inclusion moderated by the use of digital finance by linking financial literacy with MSME performance. Our findings also guide MSME actors on how and when financial literacy will improve MSME performance in the industry 4.0 era.
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