Proceedings of the International Conference on Economic Management, Accounting and Tourism (ICEMAT 2023)

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Financial Performance of MSMEs: Effects of Financial Inclusion, E-Commerce Use, Education, and Product Innovation

Authors
M. Rudi Irwansyah1, *, Gede Ade Yuniarta1, Kadek Rai Suwena1
1Faculty of Economics, Pendidikan Ganesha University, Bali, Buleleng, Indonesia
*Corresponding author. Email: rudi.irwansyah@undiksha.ac.id
Corresponding Author
M. Rudi Irwansyah
Available Online 14 May 2024.
DOI
10.2991/978-94-6463-411-2_9How to use a DOI?
Keywords
E-Commerce; Financial Inclusion; Financial Performance; Product Innovation
Abstract

This study investigates how the financial performance is impacted by financial inclusion, e-commerce usage, educational attainment, and product innovation to realize the sustainability of MSMEs in the Buleleng Regency. The questionnaire used in this study, which takes a quantitative approach, has a Likert scale as its main data gathering tool. 42,337 owners of micro, small, and medium-sized firms (MSMEs) who were formally registered at the Cooperative and MSME Office in Buleleng Regency, primarily under the trade sector category, made up the study’s population. The sample size was calculated using the Slovin formula, and 100 micro, small, and medium-sized companies (MSMEs) were selected as the sample. The idea was investigated using the SPSS software. According to the research findings, the addition of financial services significantly and partially improves the financial results of micro, small, and medium-sized businesses (MSMEs) in the Buleleng Regency. The use of e-commerce, level of education, and product innovation have been found to have a partially positive but insignificant impact on the financial performance of micro, small, and medium-sized enterprises (MSMEs) in Buleleng Regency. The financial inclusion variable has been found to exert the greatest influence in realizing the sustainability of MSME, therefore special attention is needed by all stakeholders.

Copyright
© 2024 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the International Conference on Economic Management, Accounting and Tourism (ICEMAT 2023)
Series
Advances in Economics, Business and Management Research
Publication Date
14 May 2024
ISBN
978-94-6463-411-2
ISSN
2352-5428
DOI
10.2991/978-94-6463-411-2_9How to use a DOI?
Copyright
© 2024 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - M. Rudi Irwansyah
AU  - Gede Ade Yuniarta
AU  - Kadek Rai Suwena
PY  - 2024
DA  - 2024/05/14
TI  - Financial Performance of MSMEs: Effects of Financial Inclusion, E-Commerce Use, Education, and Product Innovation
BT  - Proceedings of the International Conference on Economic Management, Accounting and Tourism (ICEMAT 2023)
PB  - Atlantis Press
SP  - 97
EP  - 109
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-411-2_9
DO  - 10.2991/978-94-6463-411-2_9
ID  - Irwansyah2024
ER  -