This study aims to analyze the influence of entrepreneurial financial literacy, green intellectual capital, access to digital finance tools, and financial constraints on SME financial performance, with financial resilience as a moderating variable. This study is motivated by the importance of strengthening the financial capacity of SMEs in facing funding constraints and economic pressures. The research design uses an explanatory approach through a survey of 260 SME actors and is analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method. The measurement model results show that all constructs meet the validity and reliability requirements. VIF was below the threshold, and HTMT indicated adequate discriminant validity. Structurally, entrepreneurial financial literacy, access to digital finance tools, green intellectual capital, and financial constraints significantly influenced financial performance. However, not all moderating relationships were statistically significant. The R² value of 0.585 and Q² of 0.432 indicate the model's strong predictive ability. Through Importance-Performance Map Analysis (IPMA), entrepreneurial financial literacy was identified as the top priority for strengthening because it has high importance but moderate performance. The results of this study contribute to understanding the mechanism of improving SME financial performance through financial literacy, digital access, and financial resilience.
Munawar et al. (Wed,) studied this question.
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