Proceedings of the 9th International Conference on Accounting, Management, and Economics 2024 (ICAME 2024)

<Previous Article In Volume
Next Article In Volume>

Financial Literacy, Technology, and SME Performance in Indonesia: The Role of Financial Access

Authors
Imansyah1, *, Muhammad Ali1, Cepi Pahlavi1, Wardhani Hakim1
1Hasanuddin University, Makassar, Indonesia
*Corresponding author. Email: imansyah1980ki@gmail.com
Corresponding Author
Imansyah
Available Online 30 July 2025.
DOI
10.2991/978-94-6463-758-8_174How to use a DOI?
Keywords
financial literacy; technology innovation; financial access; SMEs performance
Abstract

This study aims to analyze the role of financial literacy and technology on the performance of Small and Medium Enterprises (SMEs) in Indonesia, as well as explore the role of financial access moderation in this relationship. Using the survey method and structural equation model (SEM) using SmartPLS 4, data was collected from 257 SMEs owners in various sectors. The results of the study show that both financial literacy and technological innovation have a significant positive influence on the performance of SMEs. In addition, access to finance has been shown to moderate the relationship between financial literacy and performance, as well as between technology and performance, by increasing the positive impact of both variables. These findings highlight the importance of increasing financial literacy and technological innovation, as well as better access to finance to support the growth and competitiveness of SMEs in Indonesia. This research provides implications for policymakers and stakeholders to design programs that support the capacity building of SMEs in managing finances and adopting new technologies..

Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Download article (PDF)

<Previous Article In Volume
Next Article In Volume>
Volume Title
Proceedings of the 9th International Conference on Accounting, Management, and Economics 2024 (ICAME 2024)
Series
Advances in Economics, Business and Management Research
Publication Date
30 July 2025
ISBN
978-94-6463-758-8
ISSN
2352-5428
DOI
10.2991/978-94-6463-758-8_174How to use a DOI?
Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Imansyah
AU  - Muhammad Ali
AU  - Cepi Pahlavi
AU  - Wardhani Hakim
PY  - 2025
DA  - 2025/07/30
TI  - Financial Literacy, Technology, and SME Performance in Indonesia: The Role of Financial Access
BT  - Proceedings of the 9th International Conference on Accounting, Management, and Economics 2024 (ICAME 2024)
PB  - Atlantis Press
SP  - 2182
EP  - 2198
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-758-8_174
DO  - 10.2991/978-94-6463-758-8_174
ID  - 2025
ER  -