Financial Inclusion, Financial Literacy, and Financial Technology Impact on the Sustainability of Micro, Small, and Medium Enterprises: A Study in the SMEs of Tidore Islands, Indonesia

Rinto Sahdan; Fitriani Sardju

doi:10.37385/ijedr.v5i1.4014

Authors

Rinto Sahdan Universitas Khairun
Fitriani Sardju Universitas Khairun

DOI:

https://doi.org/10.37385/ijedr.v5i1.4014

Keywords:

Financial Inclusion, Financial Literacy, Financial Technology, MSME, Sustainability

Abstract

This study aims to determine how financial inclusion, financial literacy and financial technology affect the sustainability of micro, small and medium enterprises. The sample selection in this study used the Slovin formula. The data collection technique was carried out using a questionnaire, the object of this research was MSMEs in the City of Tidore Islands. Hypothesis testing in this study used Multiple Linear Regression Analysis with the help of SPSS. The results of this study found that: (1) financial inclusion affects the sustainability of MSMEs; (2) financial literacy affects the sustainability of MSMEs; (3) financial technology has no effect on the sustainability of MSMEs.

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