Financial Literacy, Financial Inclusion, Digital Financial Capability Mediated By Personal Finance On The Sustainability Of Smes In Food And Beverage Smes In Kupang City
Keywords:
Financial literacy, Financial inclusion, Digital financial capability, Personal finance, Sustainability SMEsAbstract
There are several problems faced by food and beverage SMEs in Kupang city, namely not being able to develop their potential and role optimally, business financial capital and individual finances have not been separated and lack of business management skills, limitations in recording financial statements. The population is 247 food and beverage SMEs in Kupang City. The characteristics are SMEs in the food and beverage sub-sector located in Kupang City and already have a business licence and registered at the Kupang City Cooperative and MSME Office and have been running their business for 5 years or more with consideration to be able to follow the sustainability of their business. The sample was 154 food and beverage SMEs in Kupang City. Quantitative analysis with SEM PLS 3. The results of this study indicate: Financial Literacy has a positive and significant effect on personal finance, Financial Inclusion has a positive and significant effect on personal finance. Digital Financial Capability has no significant effect on personal finance. Financial Literacy has no positive and significant effect on Sustainability SMEs, Financial Inclusion has no positive and significant effect on Sustainability SMEs, Digital Financial Capability has no significant effect on Sustainability SMEs, Financial personal has a positive and significant effect on Sustainability SMEs, Financial Personal has a significant effect in mediating the relationship between Financial literacy on Sustainability SMEs, Financial Personal has a significant effect in mediating the relationship between Financial Inclucion on Sustainability SMEs, Financial Personal has no significant effect in mediating the relationship between Digital Financial Capability on Sustainability SMEs.
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