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September 5, 2025International Journal of Scientific Research and Management (IJSRM)Open Access

The Effect of Financial Literacy (FL), Financial Access (FA), Financial Risk Attitude (FRA) on Business Sustainability (BS): Mediating Role of Local Cultural Innovation (CI) and Moderating Role of Dynamic Capabilities (DCs)

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Financial literacy, access, and risk attitude significantly impact business sustainability.
Cultural innovation and business performance mediate the relationship between financial factors and sustainability.
Dynamic capabilities act as a moderator in the financial impact on business sustainability.
The framework integrates cultural embeddedness theory, resource-based view, and diffusion of innovation for practical insights.

Authors

TWTrisetia WijijayantiState University of Malang HPHeri PratiktoState University of Malang YAYuli AgustinaState University of Malang

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Implication

Quantitative analysis finds financial literacy and access influence business sustainability in MSMEs, highlighting cultural innovation and dynamic capabilities as critical factors.

Cite This Study

Wijijayanti et al. (2025) studied this question.

synapsesocial.com/papers/68bb46c36d6d5674bccfed20 https://doi.org/10.18535/ijsrm/v13i08.em14

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Implication

Quantitative analysis finds financial literacy and access influence business sustainability in MSMEs, highlighting cultural innovation and dynamic capabilities as critical factors.

The Effect of Financial Literacy (FL), Financial Access (FA), Financial Risk Attitude (FRA) on Business Sustainability (BS): Mediating Role of Local Cultural Innovation (CI) and Moderating Role of Dynamic Capabilities (DCs)

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Discussion

Implication

Cite This Study

The Effect of Financial Literacy (FL), Financial Access (FA), Financial Risk Attitude (FRA) on Business Sustainability (BS): Mediating Role of Local Cultural Innovation (CI) and Moderating Role of Dynamic Capabilities (DCs)

Key Points

Discussion

Implication

Cite This Study

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