How to cite this paper
Sari, Y., Nugroho, M & Rahmiyati, N. (2023). The effect of financial knowledge, financial behavior and digital financial capabilities on financial inclusion, financial concern and performance in MSMEs in East Java.Uncertain Supply Chain Management, 11(4), 1745-1758.
Refrences
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Armiani., S., & Basuki, N. (2021) Teknologi digital memediasi dampak strategi bisnis terhadap kinerja UMKM di Nusa Tenggara Barat. Jurnal Ekonomi dan Keuangan. DOI: 10.24034/j25485024.y2021.v5.i3.4892
Asmin, E. A. (2021). Pengaruh Perilaku Keuangan, Financial-Self Efficacy Dan Entrepreneurial Mindset Terhadap Teknologi Informasi Dan Kinerja Keuangan (Studi Pada Ukm Di Kota Makassar) (Doctoral dissertation, UNIVERSITAS HASANUDDIN).
Augustin, J., Worokinasih, S., & Darmawan, A. (2020). Peran Mediasi Financial Behaviour Pada Financial Literacy Terhadap Firm Performance. Profit: Jurnal Administrasi Bisnis, 14(2), 92-103.
Bire, A. R., Sauw, H. M., & Maria, M. (2019). The effect of financial literacy towards financial inclusion through financial training. International journal of social sciences and humanities, 3(1), 186-192.
Bongomin, G. O. C., Ntayi, J. M., Munene, J. C., & Nabeta, I. N. (2016). Social capital: mediator of financial literacy and financial inclusion in rural Uganda. Review of International Business and Strategy, 26(2), 291-312.
Dai, R. M., Kostini, N., & Tresna, P. W. (2019). Pengaruh behavioral finance terhadap kinerja keuangan pelaku usaha kecil menengah unggulan di kota cimahi. AdBispreneur: Jurnal Pemikiran dan Penelitian Administrasi Bisnis dan Kewirausahaan, 4(1), 57-62.
Dermawan, T. (2019). Pengaruh Literasi, Inklusi Dan Pengelolaan Keuangan Terhadap Kinerja Dan Keberlanjutan UMKM (Studi Pada Pelaku Usaha Mikro Mahasiswa Universitas Brawijaya) (Doctoral dissertation, Universitas Brawijaya).
Fitria, I., Soejono, F., & Tyra, M. J. (2021). Literasi keuangan, sikap keuangan dan perilaku keuangan dan kinerja UMKM. Journal of Business and Banking, 11(1), 1-15.
Hair, J. F., Sarstedt, M., Ringle, C. M., & Mena, J. A. (2012). An assessment of the use of partial least squares structural equation modeling in marketing research. Journal of the academy of marketing science, 40, 414-433.
Hamzah, A., & Suhardi, D. (2019). Tingkat Literasi Keuangan Dan Financial Technology Pada Pelaku Usaha Mikro, Kecil, Dan Menengah (UMKM) Kabupaten Kuningan. Jurnal Ilmiah Manajemen Fakultas Ekonomi, 5(2), 97-108.
Herdjiono, M. V. I., & Damanik, L. A. (2016). Pengaruh financial attitude, financial knowledge, parental income terhadap financial management behavior. Jurnal Manajemen Teori dan Terapan, 9(3), 226-241.
Khin, S., & Ho, T. C. (2018). Digital technology, digital capability and organizational performance: A mediating role of digital innovation. International Journal of Innovation Science, 11(2), 177-195.
Kogilah, N., Devinaga, R., & Tan, T. M. (2011). The adoption and concerns of e-finance in Malaysia. Electron. Commercial Research, 11(4), 383-400.
Kumalasari, B., & Asandimitra, N. (2019). Faktor-faktor yang mempengaruhi kinerja UMKM di Kabupaten Bojonegoro. Jurnal Ilmu Manajemen, 7(3).
Kusumadewi, R. N. (2017, November). Pengaruh Locus of Control Dan Financial Literacy Terhadap Kinerja UKM Pada Pelaku UKM Desa Rawa Kecamatan Cingambul Kabupaten Majalengka. In Prosiding Seminar Nasional LPPM Unsoed, 7(1).
Luo, Y., & Zeng, L. (2020). Digital financial capabilities and household entrepreneurship. Economic and Political Studies, 8(2), 165-202.
Lusardi, A.& Mitchell, O. S. (2013). The Economic Importance of Financial Literacy: Theory And Evidence. NBER Working Paper No. 18952.
Meuris, J., & Leana, C. (2018). The price of financial precarity: Organizational costs of employees’ financial concerns. Organization Science, 29(3), 398-417.
Nasiri, M., Ukko, J., Saunila, M., Rantala, T., & Rantanen, H. (2020). Digital-related capabilities and financial performance: the mediating effect of performance measurement systems. Technology Analysis & Strategic Management, 32(12), 1393-1406.
Ningsih, A. W., Shara, A. M., & Andriani, D. (2021). Reading Duration And Financial Literacy In Vocational High School. Jurnal Education and Development, 9(1), 577-577.
Nugroho, A. (2022). Pengaruh Literasi Keuangan Dan Sikap Keuangan Terhadap Kinerja Manajemen Keuangan Umk: Studi Pelaku Usaha Mikro Bidang Kuliner di Kota Surabaya. GEMAH RIPAH: Jurnal Bisnis, 2(02), 1-15.
Prasetya, A., Rahardjo, K., Mawardi, M. K., Hidayat, R. R., & Prakasa, Y. (2021). The mediation role of financial literation in ensuring MSMEs sustainability: An organizational characteristics perspective. JEMA: Jurnal Ilmiah Bidang Akuntansi Dan Manajemen, 18(1), 61-79.
Ratnawati, K. (2020). The influence of financial inclusion on MSMEs’ performance through financial intermediation and access to capital. The Journal of Asian Finance, Economics and Business (JAFEB), 7(11), 205-218.
Riyadi, S., & Arif, D. (2023). The effect of distribution strategy and price on buying decisions minimarkets in Surabaya City, Indonesia. International Journal of Electronic Marketing and Retailing, 14(2), 225–235. https://doi.org/10.1504/IJEMR.2023.129913
Sanistasya, P. A., Rahardjo, K., & Iqbal, M. (2019). Pengaruh Literasi Keuangan dan Inklusi Keuangan Terhadap Kinerja Usaha Kecil di Kalimantan Timur. Jurnal Economia, 15(1), 48-59.
Takaendengan, L. A. (2015). The influence of personal financial knowledge and personal financial attitude towards buying decision using credit card in Manado City. Jurnal Berkala Ilmiah Efisiensi, 15(4).
Tambunan, T. T. (2011). Development of micro, small and medium enterprises and their constraints: A story from Indonesia. Gadjah Mada International Journal of Business, 13(1), 21-43.
Tan, E., Kusumah, D. H., & Damanik, A. (2021). Impresi e-Payment dan Niat Berperilaku Baru Bagi Pemanfaatan Inklusi Keuangan Digital UMK. Jurnal Pengembangan Wiraswasta, 23(3), 163-174.
Williams, F. L., Haldeman, V., & Cramer, S. (1996). Financial concerns and productivity. Journal of Financial Counseling and Planning, 7, 147.
Xue, R., Gepp, A., O’Neill, T. J., Stern, S., & Vanstone, B. J. (2021). Financial literacy and financial strategies: The mediating role of financial concerns. Australian Journal of Management, 46(3), 437-465.
Yanti, W. I. P. (2019), Pengaruh Inklusi Keuangan dan Literasi Keuangan Terhadap Kinerja UMKM di Kecamatan Moyo Utara, Jurnal Manajemen dan Bisnis, 2. No.12019
Armiani., S., & Basuki, N. (2021) Teknologi digital memediasi dampak strategi bisnis terhadap kinerja UMKM di Nusa Tenggara Barat. Jurnal Ekonomi dan Keuangan. DOI: 10.24034/j25485024.y2021.v5.i3.4892
Asmin, E. A. (2021). Pengaruh Perilaku Keuangan, Financial-Self Efficacy Dan Entrepreneurial Mindset Terhadap Teknologi Informasi Dan Kinerja Keuangan (Studi Pada Ukm Di Kota Makassar) (Doctoral dissertation, UNIVERSITAS HASANUDDIN).
Augustin, J., Worokinasih, S., & Darmawan, A. (2020). Peran Mediasi Financial Behaviour Pada Financial Literacy Terhadap Firm Performance. Profit: Jurnal Administrasi Bisnis, 14(2), 92-103.
Bire, A. R., Sauw, H. M., & Maria, M. (2019). The effect of financial literacy towards financial inclusion through financial training. International journal of social sciences and humanities, 3(1), 186-192.
Bongomin, G. O. C., Ntayi, J. M., Munene, J. C., & Nabeta, I. N. (2016). Social capital: mediator of financial literacy and financial inclusion in rural Uganda. Review of International Business and Strategy, 26(2), 291-312.
Dai, R. M., Kostini, N., & Tresna, P. W. (2019). Pengaruh behavioral finance terhadap kinerja keuangan pelaku usaha kecil menengah unggulan di kota cimahi. AdBispreneur: Jurnal Pemikiran dan Penelitian Administrasi Bisnis dan Kewirausahaan, 4(1), 57-62.
Dermawan, T. (2019). Pengaruh Literasi, Inklusi Dan Pengelolaan Keuangan Terhadap Kinerja Dan Keberlanjutan UMKM (Studi Pada Pelaku Usaha Mikro Mahasiswa Universitas Brawijaya) (Doctoral dissertation, Universitas Brawijaya).
Fitria, I., Soejono, F., & Tyra, M. J. (2021). Literasi keuangan, sikap keuangan dan perilaku keuangan dan kinerja UMKM. Journal of Business and Banking, 11(1), 1-15.
Hair, J. F., Sarstedt, M., Ringle, C. M., & Mena, J. A. (2012). An assessment of the use of partial least squares structural equation modeling in marketing research. Journal of the academy of marketing science, 40, 414-433.
Hamzah, A., & Suhardi, D. (2019). Tingkat Literasi Keuangan Dan Financial Technology Pada Pelaku Usaha Mikro, Kecil, Dan Menengah (UMKM) Kabupaten Kuningan. Jurnal Ilmiah Manajemen Fakultas Ekonomi, 5(2), 97-108.
Herdjiono, M. V. I., & Damanik, L. A. (2016). Pengaruh financial attitude, financial knowledge, parental income terhadap financial management behavior. Jurnal Manajemen Teori dan Terapan, 9(3), 226-241.
Khin, S., & Ho, T. C. (2018). Digital technology, digital capability and organizational performance: A mediating role of digital innovation. International Journal of Innovation Science, 11(2), 177-195.
Kogilah, N., Devinaga, R., & Tan, T. M. (2011). The adoption and concerns of e-finance in Malaysia. Electron. Commercial Research, 11(4), 383-400.
Kumalasari, B., & Asandimitra, N. (2019). Faktor-faktor yang mempengaruhi kinerja UMKM di Kabupaten Bojonegoro. Jurnal Ilmu Manajemen, 7(3).
Kusumadewi, R. N. (2017, November). Pengaruh Locus of Control Dan Financial Literacy Terhadap Kinerja UKM Pada Pelaku UKM Desa Rawa Kecamatan Cingambul Kabupaten Majalengka. In Prosiding Seminar Nasional LPPM Unsoed, 7(1).
Luo, Y., & Zeng, L. (2020). Digital financial capabilities and household entrepreneurship. Economic and Political Studies, 8(2), 165-202.
Lusardi, A.& Mitchell, O. S. (2013). The Economic Importance of Financial Literacy: Theory And Evidence. NBER Working Paper No. 18952.
Meuris, J., & Leana, C. (2018). The price of financial precarity: Organizational costs of employees’ financial concerns. Organization Science, 29(3), 398-417.
Nasiri, M., Ukko, J., Saunila, M., Rantala, T., & Rantanen, H. (2020). Digital-related capabilities and financial performance: the mediating effect of performance measurement systems. Technology Analysis & Strategic Management, 32(12), 1393-1406.
Ningsih, A. W., Shara, A. M., & Andriani, D. (2021). Reading Duration And Financial Literacy In Vocational High School. Jurnal Education and Development, 9(1), 577-577.
Nugroho, A. (2022). Pengaruh Literasi Keuangan Dan Sikap Keuangan Terhadap Kinerja Manajemen Keuangan Umk: Studi Pelaku Usaha Mikro Bidang Kuliner di Kota Surabaya. GEMAH RIPAH: Jurnal Bisnis, 2(02), 1-15.
Prasetya, A., Rahardjo, K., Mawardi, M. K., Hidayat, R. R., & Prakasa, Y. (2021). The mediation role of financial literation in ensuring MSMEs sustainability: An organizational characteristics perspective. JEMA: Jurnal Ilmiah Bidang Akuntansi Dan Manajemen, 18(1), 61-79.
Ratnawati, K. (2020). The influence of financial inclusion on MSMEs’ performance through financial intermediation and access to capital. The Journal of Asian Finance, Economics and Business (JAFEB), 7(11), 205-218.
Riyadi, S., & Arif, D. (2023). The effect of distribution strategy and price on buying decisions minimarkets in Surabaya City, Indonesia. International Journal of Electronic Marketing and Retailing, 14(2), 225–235. https://doi.org/10.1504/IJEMR.2023.129913
Sanistasya, P. A., Rahardjo, K., & Iqbal, M. (2019). Pengaruh Literasi Keuangan dan Inklusi Keuangan Terhadap Kinerja Usaha Kecil di Kalimantan Timur. Jurnal Economia, 15(1), 48-59.
Takaendengan, L. A. (2015). The influence of personal financial knowledge and personal financial attitude towards buying decision using credit card in Manado City. Jurnal Berkala Ilmiah Efisiensi, 15(4).
Tambunan, T. T. (2011). Development of micro, small and medium enterprises and their constraints: A story from Indonesia. Gadjah Mada International Journal of Business, 13(1), 21-43.
Tan, E., Kusumah, D. H., & Damanik, A. (2021). Impresi e-Payment dan Niat Berperilaku Baru Bagi Pemanfaatan Inklusi Keuangan Digital UMK. Jurnal Pengembangan Wiraswasta, 23(3), 163-174.
Williams, F. L., Haldeman, V., & Cramer, S. (1996). Financial concerns and productivity. Journal of Financial Counseling and Planning, 7, 147.
Xue, R., Gepp, A., O’Neill, T. J., Stern, S., & Vanstone, B. J. (2021). Financial literacy and financial strategies: The mediating role of financial concerns. Australian Journal of Management, 46(3), 437-465.
Yanti, W. I. P. (2019), Pengaruh Inklusi Keuangan dan Literasi Keuangan Terhadap Kinerja UMKM di Kecamatan Moyo Utara, Jurnal Manajemen dan Bisnis, 2. No.12019