What question did this study set out to answer?

Determine how financial literacy and access to financial services influence the financial performance and long-term sustainability of micro, small, and medium enterprises.

June 24, 2025Jurnal ManajemenOpen Access

Financial Knowledge, Inclusivity, and Sustainability: MSMEs in Denpasar with Financial Effectiveness Mediator

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Determine how financial literacy and access to financial services influence the financial performance and long-term sustainability of micro, small, and medium enterprises.
Surveyed N = 150 MSME operators in Denpasar.
Evaluated direct and indirect mediation paths using a bootstrapping approach at a 5 percent significance level.
Financial literacy and financial inclusion both significantly and positively impact financial performance.
Financial inclusion has a significant direct effect on business sustainability alongside an indirect effect, confirming partial mediation by financial performance.
Financial literacy shows no significant direct effect on business sustainability, operating exclusively through financial performance in a fully mediated relationship.

Authors

GTGregorius Paulus TahuUniversitas Mahasaraswati Denpasar

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Implication

Cross-sectional study finds financial inclusion and literacy boost enterprise sustainability via financial performance, highlighting access to banking as a direct driver of business longevity.

Cite This Study

Gregorius Paulus Tahu (2025) studied this question.

synapsesocial.com/papers/6a0ffff142b7486443fe8122 https://doi.org/10.24912/jm.v29i2.2544

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Implication

Cross-sectional study finds financial inclusion and literacy boost enterprise sustainability via financial performance, highlighting access to banking as a direct driver of business longevity.

Financial Knowledge, Inclusivity, and Sustainability: MSMEs in Denpasar with Financial Effectiveness Mediator

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Discussion

Implication

Cite This Study

Financial Knowledge, Inclusivity, and Sustainability: MSMEs in Denpasar with Financial Effectiveness Mediator

Key Points

Discussion

Implication

Cite This Study

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