Pengaruh Literasi Keuangan dan Pembayaran Digital Terhadap Kinerja UMKM Melalui Inovasi Sebagai Variabel Mediasi di Kota Palangka Raya
DOI:
https://doi.org/10.61231/f216kn63Keywords:
Financial Literation; Digital Payments; Innovation; MSME Performance; PLS-SEMAbstract
This study aims to analyze the influence of financial literacy and digital payments on the performance of MSMEs through innovation as a mediating variable in Palangka Raya City. The study used a quantitative approach with an explanatory design. A total of 155 respondents were selected using the Slovin formula and purposive sampling technique. Data were analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method using SmartPLS 4. The results showed that financial literacy and digital payments have a positive and significant effect on innovation and MSME performance. The results also revealed that innovation has a significant influence on MSME performance and is a mediating mechanism between financial literacy, digital payments, and MSME performance. These findings emphasize the importance of increasing financial capacity and adopting digital payment technology in encouraging innovation and improving business performance.
References
Aftitah, F. N., K, J. L., Hasanah, K., Lailatul, N., Bina, U., & Informatika, S. (2025). Pengaruh UMKM Terhadap Pertumbuhan Ekonomi Di Indonesia Pada Tahun 2023 Pemerintah mendukung UMKM melalui program seperti Kredit Usaha Rakyat ( KUR ), meskipun penyalurannya tahun 2023 belum memenuhi target . UMKM kini terus. JKPIM: Jurnal Kajian Dan Penalaran Ilmu Manajemen, 3(2), 32–43. https://doi.org/10.59031/jkpim.v3i1.511
Anggraen, I., & Darman, D. (2025). Peran Kepuasan Pelanggan Pelanggan dalam Memediasi Pengaruh Inovasi Produk terhadap Kinerja Bisnis UMKM. RIGGS: Journal of Artificial Intelligence and Digital Business, 4(3), 7728–7737. https://doi.org/10.31004/riggs.v4i3.3160
Dewi, I. A. P. R., & Candraningrat, I. R. (2022). Relationship of financial literacy and financial performance to business sustainability. International Research Journal of Management, IT and Social Sciences, 9(4), 598–611. https://doi.org/10.21744/irjmis.v9n4.2120
Haifa, N. M., Nabilla, I., Rahmatika, V., & Hidayatullah, R. (2025). Identifikasi Variabel Penelitian , Jenis Sumber Data dalam Penelitian Pendidikan Pendidikan Bahasa Arab / Universitas Islam Negeri ImaHaifa, N. M., Nabilla, I., Rahmatika, V., & Hidayatullah, R. (2025). Identifikasi Variabel Penelitian , Jenis Sumber Data. : : Jurnal Pendidikan Dan Bahasa, 2(2), 256–270. https://doi.org/10.62383/dilan.v2i2.1563
Hutabarat, A. S., Effendy, M., & Setiawan, J. M. (2026). Pendampingan Penggunaan Mobile Banking dan QRIS untuk Peningkatan Transaksi UMKM. Jurnal Abdimas Dedikasi Kesatuan, 7(1), 42–52. https://doi.org/10.37641/jadkes.v7i1.4957
Koo, M., & Yang, S. (2025). Likert-Type Scale. 1–11. https://doi.org/10.3390/encyclopedia5010018
Mawuntu, P. S. T., & Aotama, R. C. (2022). Pengukuran Kinerja UMKM Berdasarkan Key Performance Indicators (KPI) Metode Balanced Scorecard. WACANA EKONOMI (Jurnal Ekonomi, Bisnis Dan Akuntansi), 21(1), 72–83. https://doi.org/10.22225/we.21.1.2022.72-83
Mukti, B. H. (2025). Methods in health research: Probability and non-probability sampling. Health Sciences International Journal, 3(2), 220–234. https://doi.org/10.71357/hsij.v3i2.64
Munawwarah, F., Sa’diyah, H., Timamah, I., & Jannah, F. (2025). Komponen Penting Dalam Penelitian Kuantitatif: Panduan Untuk Peneliti Pemula. INTERDISIPLIN: Journal of Qualitative and Quantitative Research, 2(1), 53–62.
Nadhilah Idzni Majdina, A. T. (2024). Penentuanukuran Sampel Menggunakan Rumus Slovin. 16(1), 73–84. https://doi.org/10.20884/1.jmp.2024.16.1.11230
Najib, F., Nawawi, Z. M., & Tambunan, K. (2025). Digital Payment, Support, and Ethics Drive Micro and Small Business Income. Academia Open, 10(1), 1–20. https://doi.org/10.21070/acopen.10.2025.11091
Narimawati, U., & Sarwono, J. (2022). Vol.20 No. 2. 20(2), 85–94. https://doi.org/10.35877/454RI.eduline2861
Nasir, M., Hamsal, M., Sundjaja, A. M., & Gunadi, W. (2024). Systematic Literature Review: The Complex Role of Innovation on The Sme Performarce. Jurnal Mind: Manajemen Ide Dan Inspirasi, 11(2), 309–324. https://doi.org/10.24252/minds.v11i2.48356
Noor, M. F., & Syarbani. (2025). UMKM Palangka Raya Capai 28 Ribu Pelaku Usaha. RRI.Co.Id. https://rri.co.id/palangkaraya/ekonomi/umkm/1718532/umkm-palangka-raya-capai-28-ribu-pelaku-usaha
Ompusunggu, D. P., & Triani, Y. (2023). Transformasi Teknologi E-Commerce Sebagai Upaya Meningkatkan Daya Saing UMKM di Kota Palangka Raya: Faktor Pendorong dan Penghambat Adopsi. Jurnal Bintang Manajemen (JUBIMA), 1(2), 114–122. file:///C:/Users/U S E R/Downloads/admin,+JUBIMA+-+VOLUME+1,+NO.+2,+JUNI+2023+halaman+114-122.pdf
Ratnawati, K., Koval, V., & Arsawan, I. W. E. (2024). Business , Management and Leveraging Financial Literacy Into Sustainable Business. Business, Management and Economics Engineering, 22(2), 333–356. https://doi.org/10.3846/bmee.2024.21449
Raya, B. K. P. (2021). Koordinasi dengan Bank Indonesia Cabang Kalimantan Tengah terkait Rencana Kajian Penerapan Quick Response Code Indonesian Standard (QRIS) oleh UMKM di Kota Palangka Raya. In Bapperida.palangkaraya.go.id. https://bapperida.palangkaraya.go.id/koordinasi-dengan-bank-indonesia-cabang-kalimantan-tengah-terkait-rencana-kajian-penerapan-quick-response-code-indonesian-standart-qris-oleh-umkm-di-kota-palangka-raya/
Ruswandi, W., Wulandari, R., Juliansyah, E., Resmanasari, D., & Mulia, V. P. (2024). Financial Literacy And Social Capital On Performance For Msme Sustainability. EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi Dan Bisnis, 12(1), 1133–1144. https://doi.org/10.37676/ekombis.v12i1.5111
Samsuki, & Wispandono, M. (2025). Development of micro, small and medium enterprises through creativity and product innovation: Empirical study of Pamekasan regency MSME players. IOP Conference Series: Earth and Environmental Science, 1441(1). https://doi.org/10.1088/1755-1315/1441/1/012046
Saputra, D. R., Syahyono, S., Siwi, D. A. I., & Rosidin, K. Q. (2025). Pengaruh Inovasi terhadap Kinerja Bisnis UMKM Mie Ayam dengan Keunggulan Bersaing sebagai Variabel Mediasi. ECo-Fin, 7(2), 586–596. https://doi.org/10.32877/ef.v7i2.2079
Sari, P. B., & Sari, M. M. (2025). The Influence of Digital Financial Literacy on Digital Payment Adoption and Its Impact on the Financial Performance of MSMEs. Journal of Management, Economic, and Accounting, 4(2), 1091–1098. https://doi.org/10.37676/jmea.v4i2.1148
Subhaktiyasa, P. G. (2024). PLS-SEM for Multivariate Analysis : A Practical Guide to Educational Research using SmartPLS. 4(3). https://doi.org/10.35877/454RI.eduline2861
Sullivan, G. M., & Artino, A. R. (2014). Analyzing and Interpreting Data From Likert-Type Scales. Journal of Graduate Medical Education, 5(4), 541–542. https://doi.org/10.4300/jgme-5-4-18
Swandani, S. (2025). Digital Financial Literacy, Financial Technology Payments, and MSMEs Financial Performance : Analysis Structural Equation Modeling – PLS. Sustainable, 5(2), 265–280. https://doi.org/10.30651/stb.v5i2.28602
Syofiatul Aziza Arofani, & Adhitya Bayu Suryantara. (2025). The Effect of Financial Literacy, Financial Management Behavior, Digital Financial Inclusiveness and Internal Factors on the Sustainability of Micro, Small and Medium Enterprises Participating in the PT PNM Mekaar Financing Program. Indonesian Journal of Business Analytics, 5(1), 1745–1764. https://doi.org/10.55927/ijba.v5i1.13869
Tubastuvi, N., Nur Ainun, R., Purwidianti, W., & Zamakhsyari, L. (2024). Enhancing MSME: Exploring the Relationship between Financial Literacy, Financial Inclusion, and Capital Access to Improve Performance. Airlangga Journal of Innovation Management, 5(1), 1–16. https://doi.org/10.20473/ajim.v5i1.53990
Widia Amita Setyowati, R. M. V. R. (2021). Pengaruh Laba Bersih dan Arus Kas Terhadap Harga Saham Pada Perusahaan Manufaktur Sektor Industri (Consumer Goods Industry). 262–280. https://jurnal.univpgri-palembang.ac.id/index.php/Ekonomika/index
Widyastuti, M., Ferdinand, D. Y. Y., & Kunang, M. Z. N. (2025). Financial Performance and Business Sustainability Through Financial Literacy and Inclusion Among East Java MSME Actors. International Journal of Applied Business and International Management, 10(2), 294–312. https://doi.org/10.32535/ijabim.v10i2.4017
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Eko Agus Nadhif, Solikah Nurwati, Eka Indra Kusuma, Vira Saskia
This work is licensed under a Creative Commons Attribution 4.0 International License.
You are free to:
- Share — copy and redistribute the material in any medium or format for any purpose, even commercially.
- Adapt — remix, transform, and build upon the material for any purpose, even commercially.
- The licensor cannot revoke these freedoms as long as you follow the license terms.
Under the following terms:
- Attribution — You must give appropriate credit , provide a link to the license, and indicate if changes were made . You may do so in any reasonable manner, but not in any way that suggests the licensor endorses you or your use.
- No additional restrictions — You may not apply legal terms or technological measures that legally restrict others from doing anything the license permits.
Notices:
You do not have to comply with the license for elements of the material in the public domain or where your use is permitted by an applicable exception or limitation .
No warranties are given. The license may not give you all of the permissions necessary for your intended use. For example, other rights such as publicity, privacy, or moral rights may limit how you use the material.
