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This is a Quantitative Study study.

Factors That Influence the Improvement of Financial Performance of MSMEs With Religiosity and Financial Technology as Moderation

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Observational study finds that financial technology and religiosity affect financial performance in MSMEs, indicating important moderating roles.

Financial technology significantly improves the financial performance of MSMEs in Indonesia, enhancing various financial aspects.
Results show that religiosity also plays a crucial role in the financial performance of MSMEs, influencing underlying financial strategies.
The study employed questionnaire distribution across major Indonesian cities, including Jakarta, Denpasar, and Surabaya.
Findings suggest that integrating financial technology and recognizing religiosity can lead to improved outcomes for MSMEs.

Surjadi et al. (2025) studied this question.

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Observational study finds that financial technology and religiosity affect financial performance in MSMEs, indicating important moderating roles.