BUILDING RESILIENT AND INCLUSIVE MSMES: SYNERGIZING GOVERNMENT SUPPORT AND DIGITAL FINANCE ADOPTION
DOI:
https://doi.org/10.30871/jama.v9i2.10671Kata Kunci:
financial performance, RBT, government support, digital finance adoptionAbstrak
Riset ini berfokus pada pemahaman mengenai peran government support dan digital financial adoption yang dimediasi oleh financial inclusion dalam mempengaruhi financial performance UMKM di Jawa Tengah. Desain pendekatan kuantitatif eksplanatori dalam riset ini berlandaskan pada Resource-Based Theory (RBT). Data dikumpulkan dari 220 pelaku UMKM melalui metode simple random sampling dan dianalisis menggunakan SEM-PLS dengan perangkat lunak SmartPLS. Hasil penelitian menunjukkan bahwa government support, digital financial adoption, dan financial inclusion secara signifikan mempengaruhi financial performance secara langsung dan tidak langsung. Secara teoritis, penelitian ini berkontribusi pada pengembangan konsep RBT dan secara praktis menjadi acuan bagi pemangku kepentingan dalam merumuskan strategi untuk meningkatkan financial performance UMKM berbasis teknologi digital.
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Hak Cipta (c) 2026 Erlinda Sholihah, Aftuqa Sholikatur Rohmania, Risma Nurhapsari, Ahmad Zaenuri
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