What question did this study set out to answer?

To evaluate how digital financial literacy, financial inclusion, entrepreneurial training, and access to finance influence Muslim women's entrepreneurial performance through self-efficacy and socio-cultural moderation.

August 14, 2026Journal of Enterprising Communities People and Places in the Global Economy

Digital financial literacy, inclusion, and training as drivers of Muslim women’s entrepreneurial performance

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Authors

GGGoso GosoUniversitas Muhammadiyah Jember HAHarun AlrasyidUniversitas Muhammadiyah Palu MSMohamad Hazeem SidikUniversiti Malaysia Kelantan

Discussion

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Implication

Cross-sectional survey reveals digital financial literacy and inclusion enhance entrepreneurial performance among Muslim women, indicating independent pathways for economic empowerment.

Key Points

To evaluate how digital financial literacy, financial inclusion, entrepreneurial training, and access to finance influence Muslim women's entrepreneurial performance through self-efficacy and socio-cultural moderation.
Surveyed 441 Muslim women entrepreneurs operating micro, small, and medium enterprises in Indonesia using purposive sampling.
Analyzed mediation and moderation relationships using partial least squares structural equation modeling (PLS-SEM).
Digital financial literacy, financial inclusion, entrepreneurial training, and access to finance all significantly improved entrepreneurial performance.
Entrepreneurial self-efficacy significantly mediated the positive impacts of digital financial literacy and financial inclusion on performance.
Socio-cultural norms moderated the link between financial inclusion and performance, but did not moderate the relationship between digital financial literacy and performance.

Cite This Study

Goso et al. (2026) studied this question.

synapsesocial.com/papers/6a7ec71db70b84ec8b913314 https://doi.org/10.1108/jec-01-2026-0019

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Implication

Cross-sectional survey reveals digital financial literacy and inclusion enhance entrepreneurial performance among Muslim women, indicating independent pathways for economic empowerment.

Digital financial literacy, inclusion, and training as drivers of Muslim women’s entrepreneurial performance

Discussion

Member takes

Implication

Key Points

Cite This Study

Digital financial literacy, inclusion, and training as drivers of Muslim women’s entrepreneurial performance

Discussion

Member takes

Implication

Key Points

Cite This Study

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