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November 9, 2025Owner

Financial Literacy, Inclusion, and Competence in Driving MSME Sustainability: A Mediation–moderation Model of Financial Self-efficacy

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Authors

APAliah PratiwiNNNafisah Nurulrahmatiah

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Overview

Quantitative analysis shows financial literacy and inclusion influence MSME performance via self-efficacy, highlighting competence's role.

Key Points

  • Financial inclusion positively influences MSME performance through financial self-efficacy, illustrating a strong pathway.
  • The study used a random sampling of 225 MSMEs from Bima City and Bima Regency to explore these relationships.
  • Assessment was conducted using Smart PLS as the data analysis tool to validate the mediation and moderation effects.
  • Competence plays a key moderating role, affecting how financial literacy and inclusion influence MSME performance.

Cite This Study

Pratiwi et al. (2025) studied this question.

synapsesocial.com/papers/690fdce2f60c54d04ea384b3https://doi.org/10.33395/owner.v9i4.2796
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