The Role Of Financial Literacy Moderation In The Relationship Between Financial Technology And Business Experience On The Financial Performance Of MSMEs

Authors

  • Vivin Afwina Ilya Khilyana Pekalongan University
  • Komala Ardiyani Pekalongan University

Keywords:

Financial Technology, Business Experience, Financial Literacy, MSMEs

Abstract

This study aims to analyse the influence of Financial Technology and Business Experience on the Financial Performance of MSMEs, with financial literacy as a moderating variable for MSME ownersin the culinary and fashion sectors in Pekalongan City. Sampling in this study used a cluster samplingtechnique to obtain a sample of 100. For data collection, respondents in this study were distributedquestionnaires using a Likert scale. Data management in this study utilised SPSS Version 20. This study found that Financial Technology has no effect on the Financial Performance of MSMEs, while Business Experience has a positive effect on the Financial Performance of MSMEs. On the other hand, Financial Literacy is able to strengthen the relationship between Financial Technology and MSME Financial Performance, but Financial Literacy is not able to strengthen the relationship. The results of this studycan contribute to the government not only providing assistance with tools or technology, but also placing more emphasis on sustainable financial literacy training so that the assistance is right on target.

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Published

2026-03-17

How to Cite

Khilyana, V. A. I., & Ardiyani, K. . (2026). The Role Of Financial Literacy Moderation In The Relationship Between Financial Technology And Business Experience On The Financial Performance Of MSMEs. DAS CONFERENCE INTERNATIONAL SERIES, 3, 151–158. Retrieved from https://www.das-institute.com/journal/index.php/proceeding/article/view/1237

Issue

Vol. 3 (2026): Proceeding International Conference on Sustainability and Innovation

Section

Articles Proceeding

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Copyright (c) 2026 Vivin Afwina Ilya Khilyana, Komala Ardiyani

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