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DIGITAL AND FINANCIAL LITERACY DRIVING MICRO FINANCE ACCESS: RELIGIOSITY AS CATALYST FOR SME DEVELOPMENT

Jurnal Ilmiah Ilmu Terapan Universitas Jambi · Vol. 9 No. 4 (2025) · hlm. 1605–1624

DOI
10.22437/jiituj.v9i4.47587
ISSN
2580-2259, 2580-2240
Terbit
2025-12-18
Penerbit
LPPM Universitas Jambi
Bahasa
en
Lisensi
creativecommons.org/licenses/by/4.0

Abstrak

Microfinancing has contributed to the development of micro, small, and medium enterprises (MSMEs), market expansion, and reduced economic inequality in developing countries. Microfinancing enhances MSMEs' resilience to economic and environmental changes by facilitating the adoption of sustainable technology. Gaps in financial literacy, particularly in financial management, impede MSMEs access to credit. Limited digital literacy and poor Internet access hinder MSMEs engagement in the digital economy. This study analyzes how financial literacy and digital platform usage influence microfinancing and MSMEs development, with religiosity as a moderating factor. Using a quantitative methodology with structural equation modeling and moderating regression analysis, the research sampled 200 MSMEs that obtained loans from formal microfinance institutions, specifically conventional People's Economic Banks (BPR) and Sharia People's Economic Banks (BPRS) in Western Indonesia. The results demonstrate that financial literacy and digital platforms facilitate access to microfinance and MSMEs growth, aligning with the theories of Diffusion of Innovation, Technology Acceptance Model, and Resource-Based View. The ineffectiveness of microfinance as a mediating variable reveals a disparity between financing access and productive fund utilization. The negative moderation of religiosity on the effect of financial literacy on microfinancing shows the influence of religious values on MSMEs' financial perceptions. These results indicate the need to integrate financial literacy, digital mentoring, and religious-value-based strategies into MSME empowerment programs. Financing institutions must modify their interventions to ensure that financing promotes inclusive MSME growth. This study uniquely examines religiosity moderation and microfinancing's ineffectiveness as mediating factors in MSME digitalization in developing countries.

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19 penulis · 39 tautan kepenulisan bersama · 19 lintas organisasi

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  • Universitas Teknologi Muhammadiyah Jakarta
  • Universitas Jambi
  • Shandong University
  • Universitas Malahayati
  • Universitas Muhammadiyah Jambi
  • North Sumatra Islamic University
  • Telkom University
  • Organisasi berbeda
  • Organisasi sama
  • Afiliasi tidak diketahui
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Rekan penulisOrganisasiArtikel bersama
Rita Yuni MulyantiUniversitas Teknologi Muhammadiyah Jakarta2
Erna ListyaningsihUniversitas Malahayati2
Diananto KrisnandonoUniversitas Teknologi Muhammadiyah Jakarta2
Suhana SuhanaUniversitas Teknologi Muhammadiyah Jakarta1
Sesraria YuvandaUniversitas Muhammadiyah Jambi1
Muhammad Rachmad RUniversitas Jambi1
Erni AchmadUniversitas Jambi1
Zamzami ZamzamiUniversitas Jambi1
Supriadi SupriadiNorth Sumatra Islamic University1
Heri SyafardiUniversitas Teknologi Muhammadiyah Jakarta1
Heri IspriyahadiUniversitas Teknologi Muhammadiyah Jakarta1
Hesty FebriyanthiUniversitas Teknologi Muhammadiyah Jakarta1
Abdul Mukti SomaTelkom University1
Farhan FarhanUniversitas Teknologi Muhammadiyah Jakarta1
Mohamad LutfiUniversitas Teknologi Muhammadiyah Jakarta1

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Sumber metadata: OAI-PMH (metadata jurnal) https://online-journal.unja.ac.id/index.php/JIITUJ/oai, pertama di-harvest 5 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">DIGITAL AND FINANCIAL LITERACY DRIVING MICRO FINANCE ACCESS: RELIGIOSITY AS CATALYST FOR SME DEVELOPMENT</dc:title>
	<dc:creator xml:lang="en">Darda, Ahmad</dc:creator>
	<dc:creator xml:lang="en">Yuli, Rama</dc:creator>
	<dc:creator xml:lang="en">Wati, Lela Nurlaela</dc:creator>
	<dc:creator xml:lang="en">Abdrazakova, Ainur</dc:creator>
	<dc:subject xml:lang="en">Digital Platform</dc:subject>
	<dc:subject xml:lang="en">Financial Literacy</dc:subject>
	<dc:subject xml:lang="en">Formal Micro Financing</dc:subject>
	<dc:subject xml:lang="en">Indonesia</dc:subject>
	<dc:subject xml:lang="en">SME Development</dc:subject>
	<dc:description xml:lang="en">Microfinancing has contributed to the development of micro, small, and medium enterprises (MSMEs), market expansion, and reduced economic inequality in developing countries. Microfinancing enhances MSMEs' resilience to economic and environmental changes by facilitating the adoption of sustainable technology. Gaps in financial literacy, particularly in financial management, impede MSMEs access to credit. Limited digital literacy and poor Internet access hinder MSMEs engagement in the digital economy. This study analyzes how financial literacy and digital platform usage influence microfinancing and MSMEs development, with religiosity as a moderating factor. Using a quantitative methodology with structural equation modeling and moderating regression analysis, the research sampled 200 MSMEs that obtained loans from formal microfinance institutions, specifically conventional People's Economic Banks (BPR) and Sharia People's Economic Banks (BPRS) in Western Indonesia. The results demonstrate that financial literacy and digital platforms facilitate access to microfinance and MSMEs growth, aligning with the theories of Diffusion of Innovation, Technology Acceptance Model, and Resource-Based View. The ineffectiveness of microfinance as a mediating variable reveals a disparity between financing access and productive fund utilization. The negative moderation of religiosity on the effect of financial literacy on microfinancing shows the influence of religious values on MSMEs' financial perceptions. These results indicate the need to integrate financial literacy, digital mentoring, and religious-value-based strategies into MSME empowerment programs. Financing institutions must modify their interventions to ensure that financing promotes inclusive MSME growth. This study uniquely examines religiosity moderation and microfinancing's ineffectiveness as mediating factors in MSME digitalization in developing countries.</dc:description>
	<dc:publisher xml:lang="en">LPPM Universitas Jambi</dc:publisher>
	<dc:date>2025-12-18</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://online-journal.unja.ac.id/JIITUJ/article/view/47587</dc:identifier>
	<dc:identifier>10.22437/jiituj.v9i4.47587</dc:identifier>
	<dc:source xml:lang="en">Jurnal Ilmiah Ilmu Terapan Universitas Jambi; Vol. 9 No. 4 (2025): Volume 9, Nomor 4, December 2025; 1605-1624</dc:source>
	<dc:source>2580-2259</dc:source>
	<dc:source>2580-2240</dc:source>
	<dc:language>en</dc:language>
	<dc:relation>https://online-journal.unja.ac.id/JIITUJ/article/view/47587/22894</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2025 Ahmad Darda, Rama Yuli, Lela Nurlaela Wati, Ainur Abdrazakova</dc:rights>
	<dc:rights xml:lang="en">https://creativecommons.org/licenses/by/4.0</dc:rights>
</oai_dc:dc>