FINANCIAL FACTORS AND HALAL MSME PERFORMANCE: A QUANTITATIVE STUDY

FINDA SUMARNI

Abstract


This study is driven by the crucial contribution of Indonesia's MSME sector to the national economy, particularly in fostering growth, creating jobs, alleviating unemployment, and enhancing societal well-being. The primary objective is to examine the impact of financial literacy, financial inclusion, and financial technology (fintech) on the performance of halal-sector MSMEs in Padang City, with the goal of strengthening their financial management skills and broadening access to financial resources, ultimately boosting the overall effectiveness of these enterprises. The methodology employed is a descriptive quantitative design. The target population consists of operators of halal-industry MSMEs based in Padang City. Sample determination relied on the Slovin formula, yielding 174 halal-sector MSMEs. Sampling was conducted via non-probability methods, specifically purposive sampling based on predefined selection criteria. Hypotheses were tested using the Smart PLS 4.1 software. Findings indicate that financial literacy positively and significantly influences MSME performance, financial inclusion also exerts a significant positive effect on MSME performance, while financial technology shows no significant impact on MSME performance.


Keywords


Financial Technology, Financial Inclusion, MSME Performance, Financial Literacy

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DOI: https://doi.org/10.15548/jebi.v10i1.1930

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