The Influence Of Financial Literacy And E-Money Usage On The Financial Performance Of Culinary Msmes In Tamalate District, Makassar City
DOI:
https://doi.org/10.37476/presed.v3i1.86Kata Kunci:
financial literacy, e-money, MSMEs, financial performance, Technology Acceptance ModelAbstrak
This study aims to analyze the effect of financial literacy and the use of e-money on the financial performance of culinary MSMEs in Tamalate District, Makassar City. MSMEs play a crucial role in Indonesia's economy but often face challenges in financial management and the adoption of digital technologies. This quantitative research employs a causal design involving 92 culinary MSMEs selected through purposive sampling. Primary data were collected using a Likert-scale questionnaire and analyzed through multiple linear regression, including instrument tests and classical assumption tests. The findings reveal that both financial literacy and e-money usage significantly and positively impact MSME financial performance. Financial literacy enhances business owners' financial decision-making and recordkeeping capabilities, while e-money improves transaction efficiency and cash flow circulation. These results reinforce the applicability of the Technology Acceptance Model in informal sector settings and emphasize the importance of integrating financial knowledge with digital innovation. The study contributes to both theoretical frameworks and practical strategies for empowering local MSMEs through digital and financial literacy development.
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Hak Cipta (c) 2025 Proceeding of Research and Civil Society Desemination
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