The Effect of Financial Technology and Financial Literacy on the Sustainability of MSME Businesses in Kediri City

Marsella Renita Hadi; Sudjiono Sudjiono; Bothy Dewandaru

doi:10.55927/ajabm.v4i2.224

Authors

Marsella Renita Hadi Kadiri University
Sudjiono Sudjiono Kadiri University
Bothy Dewandaru Kadiri University

DOI:

https://doi.org/10.55927/ajabm.v4i2.224

Keywords:

Financial Technology, Financial Literacy, Business Continuity, and MSMEs

Abstract

This study aims to analyze the influence of financial technology and financial literacy on the sustainability of MSME businesses in Kediri City, specifically among recipients of DBHCHT Capital Assistance in 2024. A quantitative research method was employed using purposive sampling with 100 respondents. Data were collected through questionnaires and analyzed using multiple linear regression with SPSS version 24. The results indicate that the use of financial technology has a significant effect on the sustainability of MSME businesses. In contrast, financial literacy does not show a significant impact. However, both financial technology and financial literacy demonstrate a significant influence both partially and simultaneously on the sustainability of MSMEs.

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