The Impact of Fintech, Inclusion, and Financial Literacy on the Performance of Tangerang Culinary MSMEs
DOI:
https://doi.org/10.31000/digibis.v4i2.15659Abstrak
The acceleration of financial digitalisation requires business actors to adapt to maintain business sustainability. This study aims to analyse the influence of financial technology (fintech), financial inclusion, and financial literacy on the performance of culinary MSMEs in Tangerang City, both partially and simultaneously. The novelty of this research lies in combining digital accessibility and financial skills in the culinary sector of the buffer area of the capital city, which is highly competitive. The research used a quantitative approach, collecting primary data via a questionnaire from 150 respondents selected using the Slovin technique (5% error). Data analysis used multiple linear regression in IBM SPSS 26. The study finds that fintech, financial inclusion, and financial literacy significantly improve MSME performance. Financial literacy was found to be the most influential factor in the effectiveness of business decision-making. This research’s contribution provides strategic implications for local governments and MSME actors in formulating policies to strengthen the digital financial ecosystem. Theoretically, this research strengthens the theory of financial literacy in the context of local economic empowerment in the post-pandemic era.
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