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October 27, 2025Quantitative Economics and Management StudiesOpen Access

Financial Literacy’s Moderating Role in Savings and MSME Sustainability: Evidence from Central Java, Indonesia

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Authors

ESEfriyani SumastutiCWC. Tri WidiastutiRARizka Ariyanti

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Overview

Quantitative analysis reveals financial literacy influences business savings in MSMEs, indicating the need for effective financial planning.

Key Points

  • Financial literacy positively influences business savings in MSMEs, suggesting important financial behaviors.
  • Direct effects of financial inclusion and literacy on business sustainability were significant among culinary MSMEs.
  • Utilizing a quantitative method with SmartPLS 3.0, 150 MSMEs were analyzed in Central Java.
  • Findings highlight the need for effective financial planning to integrate savings for better sustainability outcomes.

Cite This Study

Sumastuti et al. (2025) studied this question.

synapsesocial.com/papers/68ff87e9c8c50a61f2bdd199https://doi.org/10.35877/454ri.qems4107
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Also Consider

Synapse has enriched 5 closely related papers on similar clinical questions. Consider them for comparative context:

  1. 1Financial Performance and Business Sustainability Through Financial Literacy and Inclusion Among East Java MSME Actors2025
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  4. 4The Role of Financial Literacy in Moderating the Influence of Fintech and Financial Inclusion on Financial Performance2025
  5. 5Development of the Pentuple Bottom Line Model in Moderating the Influence of Financial Literacy and Financial Inclusion on the Sustainability of Msmes in West Java2025 · 1 citations