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THE EFFECT OF DIGITAL FINANCIAL TECHNOLOGY AND FINANCIAL LITERACY ON MSME FINANCIAL MANAGEMENT IN MAMBORO BARAT SUB-DISTRICT, NORTH PALU DISTRICT, PALU CITY

Jurnal Manajemen Terapan dan Keuangan · Vol. 15 No. 01 (2026) · hlm. 211–224

DOI
10.22437/jmk.v15i01.53169
ISSN
2685-9424, 2252-8636
Terbit
2026-02-05
Penerbit
Program Studi Manajemen Pemerintahan dan Keuangan Daerah Fakultas Ekonomi dan Bisnis Universitas Jambi
Bahasa
en
Lisensi
creativecommons.org/licenses/by/4.0

Abstrak

This study aims to analyze the influence of digital financial technology and financial literacy on the quality of financial management of MSMEs in West Mamboro Village, Palu City. This research uses a quantitative approach with a causal associative method. The study sample consisted of 77 MSMEs, determined using the Slovin formula from a population of 336 MSMEs, using a purposive sampling technique. Data were collected through questionnaires and analyzed using multiple linear regression. The results show that digital financial technology has a positive and significant effect on MSME financial management. Financial literacy also has a positive and significant effect and is more dominant. Simultaneously, digital financial technology and financial literacy have a significant effect on MSME financial management, contributing 88.9%. These findings confirm that optimizing MSME financial management is not solely determined by the use of digital financial technology, but also depends heavily on the level of financial literacy of business actors.

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  • Tadulako University
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Rekan penulisOrganisasiArtikel bersama
Abdul KaharTadulako University1
Miftahul JannahTadulako University1
Jamaluddin JamaluddinTadulako University1
Muhammad Ilham PakkawaruAfiliasi tidak diketahui1
Rosmadina RosmadinaTadulako University1
Ni Made Suwitri PratiwiTadulako University1
Rika Febby RhamadhaniTadulako University1
Masruddin MasruddinTadulako University1
I Made Ari KusumaTadulako University1
Rudy UsmanTadulako University1
Muliati MuliatiTadulako University1
Asti CahyaniTadulako University1
Nina Yusnita YaminTadulako University1
Abdul Razik LunetoTadulako University1
Mohammad Iqbal BakryTadulako University1
Arina PutriTadulako University1
Andi Ainil Mufidah TanraTadulako University1
Ni Made Suwitri ParwatiTadulako University1
Lisa FebriaTadulako University1
Phatra Anggana DjuriTadulako University1

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Sumber metadata: OAI-PMH (metadata jurnal) https://online-journal.unja.ac.id/index.php/mankeu/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">THE EFFECT OF DIGITAL FINANCIAL TECHNOLOGY AND FINANCIAL LITERACY ON MSME FINANCIAL MANAGEMENT IN MAMBORO BARAT SUB-DISTRICT, NORTH PALU DISTRICT, PALU CITY</dc:title>
	<dc:creator xml:lang="en">Adiba, Ayesha Nurul</dc:creator>
	<dc:creator xml:lang="en">Mile, Yuldi</dc:creator>
	<dc:creator xml:lang="en">Pakawaru, Muhammad Ilham</dc:creator>
	<dc:creator xml:lang="en">Mustamin, Mustamin</dc:creator>
	<dc:description xml:lang="en"> 
This study aims to analyze the influence of digital financial technology and financial literacy on the quality of financial management of MSMEs in West Mamboro Village, Palu City. This research uses a quantitative approach with a causal associative method. The study sample consisted of 77 MSMEs, determined using the Slovin formula from a population of 336 MSMEs, using a purposive sampling technique. Data were collected through questionnaires and analyzed using multiple linear regression. The results show that digital financial technology has a positive and significant effect on MSME financial management. Financial literacy also has a positive and significant effect and is more dominant. Simultaneously, digital financial technology and financial literacy have a significant effect on MSME financial management, contributing 88.9%. These findings confirm that optimizing MSME financial management is not solely determined by the use of digital financial technology, but also depends heavily on the level of financial literacy of business actors.</dc:description>
	<dc:publisher xml:lang="en">Program Studi Manajemen Pemerintahan dan Keuangan Daerah Fakultas Ekonomi dan Bisnis Universitas Jambi</dc:publisher>
	<dc:date>2026-02-05</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/mankeu/article/view/53169</dc:identifier>
	<dc:identifier>10.22437/jmk.v15i01.53169</dc:identifier>
	<dc:source xml:lang="en">Jurnal Manajemen Terapan dan Keuangan; Vol. 15 No. 01 (2026): Jurnal Manajemen Terapan dan Keuangan ; 211-224</dc:source>
	<dc:source>2685-9424</dc:source>
	<dc:source>2252-8636</dc:source>
	<dc:language>en</dc:language>
	<dc:relation>https://online-journal.unja.ac.id/mankeu/article/view/53169/23547</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2026 Ayesha Nurul Adiba, Yuldi Mile, Muhammad Ilham Pakawaru, Mustamin Mustamin</dc:rights>
	<dc:rights xml:lang="en">https://creativecommons.org/licenses/by/4.0</dc:rights>
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