The Effect of Financial Literacy,Financial Inclusion, Capital Access and Digital Payment on The Financial Performance of Convection UMKM Registered with The Cooperative, UMKM and Trade Service of Tegal Regency

Authors

  • Awlia Ghina Sari Universitas Pancasakti Tegal, Indonesia
  • Dewi Indriasih Universitas Pancasakti Tegal, Indonesia
  • Baihaqi Fanani Universitas Pancasakti Tegal, Indonesia
  • Abdulloh Mubarok Universitas Pancasakti Tegal, Indonesia
  • Fahmi Firmansyah Universitas Pancasakti Tegal, Indonesia
  • Yanti Puji Astutie Universitas Pancasakti Tegal, Indonesia

Keywords:

Financial Literacy, Financial Inclusion, Access to Capital, Digital Payment, Aggregator, Financial Performance, MSMEs, Convection, Tegal Regency

Abstract

The data used in this study are secondary data obtained from the Tegal Regency Cooperatives, SMEs, and Trade Office. This research employs a quantitative approach, with sampling conducted using the proportional sampling method, resulting in a total of 153 respondents. Based on the results of the analysis, it can be concluded that financial literacy does not significantly influence the financial performance of convection MSMEs in Tegal Regency. However, financial inclusion, access to capital, and digital payments were found to have a significant positive effect on the financial performance of these MSMEs.

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Published

2025-04-13

How to Cite

Ghina Sari, A., Indriasih, D., Fanani, B., Mubarok, A., Firmansyah, F., & Puji Astutie, Y. (2025). The Effect of Financial Literacy,Financial Inclusion, Capital Access and Digital Payment on The Financial Performance of Convection UMKM Registered with The Cooperative, UMKM and Trade Service of Tegal Regency. Cirebon Annual Multidiciplinary International Conference (CAMIC), 7–9. Retrieved from https://jurnal.ugj.ac.id/index.php/camic/article/view/10030

Issue

Proceeding of CAMIC 2025

Section

Artikel

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