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

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The Influence of Financial Literacy, Financial Inclusion, Financial Technology, and Business Capital on MSMEs’ Performance

Authors
Hamdan Fathoni1, *, Pristin Prima Sari1, Ratih Kusumawardhani1
1Department of Economy, Universitas Sarjanawiyata Tamansiswa, Yogyakarta, Indonesia
*Corresponding author. Email: hamdanfath15@gmail.com
Corresponding Author
Hamdan Fathoni
Available Online 28 February 2025.
DOI
10.2991/978-2-38476-366-5_29How to use a DOI?
Keywords
financial literacy; financial inclusion; financial technology; business capital; MSME performance
Abstract

This study aims to ascertain how financial literacy, financial inclusion, financial technology, and business capital affect MSMEs performance. Between 2020 and the end of 2022, the number of MSME actors in Bantul Regency increased from 49,801 business units to 86,833 business units. With a sample size of 126 MSME actors from different sectors in Bantul Regency, this study employs a quantitive approach SPSS is used for data analysis. The research findings show that financial literacy significantly and positively, financial inclusion does not have a positive and significant effect on MSME performance, financial technology findings have a positive and significant effect on MSME performance, and business capital has a positive and significant effect on MSME performance. Financial literacy enhances the ability of MSME actors to manage finances and access financing services. Financial inclusion expands access to various financial services, supporting businesses’ stability and sustainability. Fintech offers more efficient and innovative solutions for the financial needs of SMEs, while sufficient business capital enables expansion, product development, and financial stability.

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_29How 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  - Hamdan Fathoni
AU  - Pristin Prima Sari
AU  - Ratih Kusumawardhani
PY  - 2025
DA  - 2025/02/28
TI  - The Influence of Financial Literacy, Financial Inclusion, Financial Technology, and Business Capital on MSMEs’ Performance
BT  - Proceedings of the 1st International Conference on Social Environment Diversity (ICOSEND 2024)
PB  - Atlantis Press
SP  - 316
EP  - 327
SN  - 2352-5398
UR  - https://doi.org/10.2991/978-2-38476-366-5_29
DO  - 10.2991/978-2-38476-366-5_29
ID  - Fathoni2025
ER  -