Proceedings of the 1st International Conference on Social Environment Diversity (ICOSEND 2024)

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Digital Finance as a Mediator of the Influence of Financial Inclusion and Intellectual Capital on SME Financial Performance

Authors
Sri Hermuningsih1, *, Riskin Hidayat1, Setiani Kartika Wati1, Erry Kurniawati Widodo1
1Department Master of Management, Economics Faculty, Universitas Sarjanawiyata Tamansiswa, Jl. Kusumanegara No 157, Yogyakarta, Indonesia
*Corresponding author. Email: hermuningsih@ustjogja.ac.id
Corresponding Author
Sri Hermuningsih
Available Online 28 February 2025.
DOI
10.2991/978-2-38476-366-5_22How to use a DOI?
Keywords
Financial Digital; Financial Inclusion; Intellectual Capital; SME Financial Performance
Abstract

This study aims to test the role of financial digitalization in mediating the influence of financial inclusion and intellectual capital on SME financial performance in the Special Region of Yogyakarta (DIY). The sample for this research is SMEs in DIY. The sampling technique uses cluster sampling based on district/city areas in DIY, which include Yogyakarta City, Sleman Regency, Bantul Regency, Kulon Progo Regency and Gunung Kidul Regency. A total sample of 227 SMEs was obtained. The data analysis technique used was Structural Equation Modeling. The results of data testing show that financial inclusion has an insignificant positive effect on SME financial performance, whereas intellectual capital and financial digitalization have a significant positive effect on SME financial performance. The results of this research found the evidence that financial digitalization is able to mediate the influence of financial inclusion and intellectual capital on SME financial performance in DIY. It means that financial digitization contributes significantly to improving SME financial performance.

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.

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Volume Title
Proceedings of the 1st International Conference on Social Environment Diversity (ICOSEND 2024)
Series
Advances in Social Science, Education and Humanities Research
Publication Date
28 February 2025
ISBN
978-2-38476-366-5
ISSN
2352-5398
DOI
10.2991/978-2-38476-366-5_22How 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  - Sri Hermuningsih
AU  - Riskin Hidayat
AU  - Setiani Kartika Wati
AU  - Erry Kurniawati Widodo
PY  - 2025
DA  - 2025/02/28
TI  - Digital Finance as a Mediator of the Influence of Financial Inclusion and Intellectual Capital on SME Financial Performance
BT  - Proceedings of the 1st International Conference on Social Environment Diversity (ICOSEND 2024)
PB  - Atlantis Press
SP  - 234
EP  - 246
SN  - 2352-5398
UR  - https://doi.org/10.2991/978-2-38476-366-5_22
DO  - 10.2991/978-2-38476-366-5_22
ID  - Hermuningsih2025
ER  -