IDEAS home Printed from https://ideas.repec.org/a/ids/ijeima/v27y2023i1-2p137-150.html
   My bibliography  Save this article

Fintech, financial literacy, and financial inclusion in Indonesian SMEs

Author

Listed:
  • Mutamimah Mutamimah
  • Maya Indriastuti

Abstract

This study examines the effect of fintech and financial inclusion moderated by financial literacy in improving the financial performance and business growth of SMEs in Indonesia. The purposive sampling technique was used to obtain data from 202 SMEs in Indonesia, statistically analysed using descriptive and multiple regression analyses. The results showed that financial literacy could moderate the effect of fintech on financial inclusion. Furthermore, fintech cannot improve financial performance, despite being moderated by financial literacy. Meanwhile, financial inclusion can improve financial performance, and subsequently, financial performance increases the business growth of SMEs. Implications of this study are that SMEs must improve financial literacy, and the government needs to improve regulations on financial literacy, fintech, and financial inclusion, especially for SMEs.

Suggested Citation

  • Mutamimah Mutamimah & Maya Indriastuti, 2023. "Fintech, financial literacy, and financial inclusion in Indonesian SMEs," International Journal of Entrepreneurship and Innovation Management, Inderscience Enterprises Ltd, vol. 27(1/2), pages 137-150.
    • Handle: RePEc:ids:ijeima:v:27:y:2023:i:1/2:p:137-150
    as

    Download full text from publisher

    File URL: http://www.inderscience.com/link.php?id=129331
    Download Restriction: Access to full text is restricted to subscribers.
    ---><---

    As the access to this document is restricted, you may want to search for a different version of it.

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:ids:ijeima:v:27:y:2023:i:1/2:p:137-150. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Sarah Parker (email available below). General contact details of provider: http://www.inderscience.com/browse/index.php?journalID=7 .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.