Fatmawati Fatmawati, Sudarsana Arka

Pengaruh Literasi Keuangan, Inklusi Keuangan, dan E-Commerce Terhadap Kinerja UMKM Sektor Kuliner di Kecamatan Denpasar Barat

Introduction

Pengaruh literasi keuangan, inklusi keuangan, dan e-commerce terhadap kinerja umkm sektor kuliner di kecamatan denpasar barat. Analisis pengaruh literasi keuangan, inklusi keuangan, dan e-commerce terhadap kinerja UMKM kuliner di Denpasar Barat. Temukan kunci peningkatan produktivitas & keberlanjutan UMKM.

Abstract

This study aims to analyze the influence of financial literacy, financial inclusion, and e-commerce utilization on the performance of Micro, Small, and Medium Enterprises (MSMEs) in the culinary sector operating in West Denpasar District. The background of this study is based on the strategic role of MSMEs in supporting the local economy, particularly in creating jobs and increasing community income. However, amid the dynamics of the digital economy and recovery efforts after the COVID-19 pandemic, MSMEs face new challenges that require adaptation in business management, particularly related to financial literacy and the use of technology. This study uses a quantitative approach with data collection techniques through distributing questionnaires to 100 culinary MSME respondents in the study area. The research instrument focused on measuring the level of financial literacy, access to financial services (inclusivity), and the use of e-commerce platforms in daily business activities. The collected data were analyzed using multiple linear regression methods preceded by classical assumption tests to ensure model validity. The results show that simultaneously, all three independent variables—financial literacy, financial inclusion, and e-commerce—have a significant influence on MSME performance. Partially, financial literacy and e-commerce have a positive and significant impact on improving business performance. Meanwhile, financial inclusion does not show a significant effect individually, although it remains important in the context of financial service accessibility. These findings underscore the importance of improving financial literacy and utilizing digital technology in boosting the productivity and sustainability of MSMEs, particularly in the culinary sector. Therefore, ongoing policy support and training are needed to help MSMEs face the challenges of the digital economy more adaptively and competitively. Considering these findings, collaboration between local governments, financial institutions, and digital platforms is key to creating a conducive business ecosystem.

Review

This study presents a highly relevant and timely investigation into the factors influencing the performance of culinary MSMEs, particularly in the context of Indonesia's digital economy transition and post-COVID-19 recovery efforts. The focus on financial literacy, financial inclusion, and e-commerce utilization is particularly pertinent, as these are critical drivers for small business resilience and growth in the modern landscape. The research successfully underscores the strategic importance of MSMEs in job creation and income generation, establishing a strong rationale for its inquiry into how these specific variables contribute to their success. Methodologically, the study employs a suitable quantitative approach, utilizing questionnaires distributed to a reasonable sample of 100 culinary MSMEs. The application of multiple linear regression, preceded by classical assumption tests, is a standard and appropriate analytical technique for examining the relationships between the chosen variables. While the methodology appears robust for its stated purpose, the abstract could benefit from a brief mention of how MSME performance was specifically operationalized and measured. Furthermore, the finding that financial inclusion does not show a significant individual effect, despite being considered "important in the context of financial service accessibility," warrants further discussion in the full paper to reconcile this nuanced outcome and provide deeper insights into its practical implications for MSMEs. The findings provide valuable insights, particularly highlighting the significant positive impact of financial literacy and e-commerce utilization on MSME performance. The simultaneous significant effect of all three variables confirms their collective importance in a holistic business ecosystem. The recommendation for ongoing policy support, training, and collaboration among local governments, financial institutions, and digital platforms is a highly practical and actionable outcome of this research. This study significantly contributes to the understanding of MSME dynamics in emerging economies and offers a solid foundation for developing targeted interventions aimed at enhancing the productivity and sustainability of the culinary sector.

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