a Export Craft MSMEs' Performance and Financial Literacy: The Mediating Function of Financial Inclusion in Bangkalan, East Java

JURNAL MANAJEMEN MOTIVASI 2026 Open access

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Authors: Ratnawati, M. Taufiq Noor Rokhman, Esy Suraeni Yuniwati
DOI: 10.29406/jmm.v22i1.8567
Cited by: 0

Abstract

This study examines the effect of financial literacy on MSME performance with financial inclusion as a mediating variable. The sample consists of 120 export craft MSME actors in Bangkalan, Madura. SmartPLS was employed as the analytical method. Results show that financial literacy does not directly affect performance but significantly influences financial inclusion. Financial inclusion improves MSME performance and mediates the relationship between literacy and performance. These findings imply the need for policies supporting financial literacy and inclusion to enhance the competitiveness and sustainability of MSMEs.

Fields of Study & Subjects

Financial Literacy and Behavior Microfinance and Financial Inclusion SMEs Development and Digital Marketing

Publication details

Journal / source
JURNAL MANAJEMEN MOTIVASI
Volume
22
Issue
1
Pages
876–886
Publication date
13 January 2026