The Effect of Business Capital, Financial Technology and Financial Literacy on MSMEs’ Sustainability
DOI:
https://doi.org/10.55208/jebe.v19i2.02Keywords:
Business Capital, Financial Literacy, Financial Technology, Business Sustainability, MSMEAbstract
This study investigates the impact of business capital, financial literacy, and financial technology on the sustainability of MSMEs in Bantul Regency. Data collection was conducted through a survey and distributed to respondents. This study involved a sample of 102 MSMEs in Bantul Regency that had been operating for at least 2 years and used a digital payment system as a means of payment. As to the study's findings, MSMEs' sustainability is negatively impacted by business capital, negatively impacted by financial technology, and positively impacted by financial literacy. The research is expected to contribute to UMKM actors to increase knowledge about business capital and financial technology which is a very important thing to prioritize. In addition, UMKM actors must continue to participate in mentoring and business coaching that focuses on capital and financial technology so that they can guarantee business sustainability.
References
Adisty Anggraini, & Zuhrinal Z M Nawawi. (2023). Pengaruh Pemanfaatan Media Sosial, Kreativitas dan Modal Usaha terhadap Keberlanjutan Bisnis UMKM Milenial di Kota Medan.
Andrianto, T., & Nurjanah, Y. (2023). Pengaruh Financial Technology Terhadap Pendapatan UKM di Bogor. Jurnal Ilmiah Akuntansi Kesatuan, 11(1). https://doi.org/10.37641/jiakes.v11i1.1657
Anisa Maratus Solikha, Moh. Amin, & Umi Nandiroh. (2023). Pengaruh Pemahaman Akuntansi, Modal Usaha, Kreativitas, dan Pemanfaatan Media Sosial Terhadap Keberlanjutan UMKM di Kota Malang.
Ayu, I., Idawati, A., Gede, I., & Pratama, S. (2020). Pengaruh Literasi Keuangan Terhadap Kinerja dan Keberlangsungan UMKM di Kota Denpasar. Warmadewa Management and Business Journal (WMBJ), 2(1), 1–9. Retrieved from https://ejournal.warmadewa.ac.id/index.php/wmbj
Budyastuti, T., Studi Akuntansi, P., Mercu Buana, U., Meruya Selatan Kembangan Jakarta Barat, J., & Sitasi, C. (2021). Pengaruh Financial Technology dan Literasi Keuangan terhadap Keberlangsungan Usaha. Jurnal Online Insan Akuntan, 6(Desember), 167–178.
Cahyawati, N. E., Nantungga, K. H., & Tumewang, Y. K. (2023). The influence of financial technology & literacy on MSMEs sustainability with financial inclusion as a mediating variable. Journal of Contemporary Accounting, 71–82. https://doi.org/10.20885/jca.vol5.iss2.art2
Chinyere, O. A. (2025). Financial Management And Resource Allocation In Educational Leadership In Secondary Schools In Anambra State In The Era Of AI.
Fauzi, N. A. (2020). Pengaruh Karakteristik Wirausaha, Modal Usaha dan Penggunaan Informasi Akuntansi Terhadap Kberhasilan UMKM Industri Shuttlecock di Desa Lawatan Kecamatan Dukuhtri Kabupaten Tegal. Ekonomi Dan Bisnis, 53(9), 1689–1699. https://learn-quantum.com/EDU/index.html%0Ahttp://publications.lib.chalmers.se/records/fulltext/245180/245180
Ghozali. (2021). Aplikasi Analisis Multivariate dengan Program IBM SPSS 26 ( Edisi 10 (10th ed.).
Junedi, & Dwi Arumsari, M. (2021). Pengaruh Modal Usaha, Kualitas Produk, Jaringan Wirausaha Terhadap Kelangsungan Usaha UMKM Madu Sari Lanceng. MASTER: Jurnal Manajemen Strategik Kewirausahaan, 1(2), 175–184. https://doi.org/10.37366/master.v1i2.223
Kurniawan, A., Sukardi, S., Indrasti, N. S., & Suparno, O. (2021). Analisis Potensi Keberlanjutan Industri Penyamak Kulit dengan Struktur Modal Pinjaman Sistem Bunga. Agrointek : Jurnal Teknologi Industri Pertanian, 15(4), 1038–1045. https://doi.org/10.21107/agrointek.v15i4.9308
Ni Cening Putri Eka Ayu, & Ayu Ketut Rencana Sari Dewi. (2021). Pengaruh Literasi Keuangan, Penggunaan Informasi Akuntansi Dan Modal Usaha Terhadap Keberlanjutan Umkm Di Kecamatan Buleleng.
Niswah Hazratil Mufidah, & Supardi dan Eliya Isfaatun. (2023). DETERMINAN SUSTAINABILITY UMKM MELALUI FINANCIAL LITERACY, MODAL USAHA, KONTRIBUSI PEMERINTAH, DAN DIGITAL MARKETING. Seminar Nasional Teknologi Informasi Dan Komunikasi STI&K (SeNTIK). Retrieved from www.dataumkm.slemankab.go.id.1
Nurohman, Y. A., Kusuma, M., & Narulitasari, D. (2021). Fin-Tech, Financial Inclusion, and Sustainability: a Quantitative Approach of Muslims SMEs. International Journal of Islamic Business Ethics, 6(1), 54. https://doi.org/10.30659/ijibe.6.1.54-67
Nurwulandari, A. (2023). Lead Journal of Economy and Administration (LEJEA) Analysis of the Impact of Financial Technology and Financial Literacy on MSME Business Sustainability. 1(4). Retrieved from https://internationalpublisher.id/journal/index.php/Lejea
Rahayu, S. (2024). Analysis of Business Capital, Ability and Will to Sales of Small Businesses in Kota Pari Village North Sumatra. Naviga)on, Engineering and Avia)on Technology (ICANEAT), 1(1).
Richard, Y. F., Longgy, D. H. A., & Epin, M. N. W. (2024). Peran literasi keuangan dan teknologi keuangan melalui inklusi keuangan untuk keberlanjutan umkm. Jurnal Ilmu Ekonomi & Sosial, 15(1), 1–20.
Ruli, M., Hilmawati, N., & Kusumaningtias, R. (2021). Nominal: Barometer Riset Akuntansi dan Manajemen INKLUSI KEUANGAN DAN LITERASI KEUANGAN TERHADAP KINERJA DAN KEBERLANGSUNGAN SEKTOR USAHA MIKRO KECIL MENENGAH. 10(1).
Yulianasari, N., & Mahrina, H. (2021). Pengaruh Penggunaan Fintech Terhadap Perkembangan Literasi dan Inklusi Keuangan pada UMKM di Kota Bengkulu.
Yuningsih, Y. Y., Raspati, G., & Riyanto, A. (2022). Jurnal Mirai Management Pengaruh Literasi Keuangan dan Financial Technology Terhadap Keberlangsungan Usaha Pelaku UMKM. 7, 531–540.
Downloads
Additional Files
Published
Issue
Section
License
Copyright (c) 2025 Kukuh Esty Sesanty, Siti Resmi, Alivia Meyrizka Utami, Helena Yovita Junijanto (Author)
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
