THE MEDIATING ROLE OF MSME CHARACTER IN THE INFLUENCE OF MSME LITERACY ON BUSINESS PERFORMANCE IN KARAWANG

Authors

  • Kholida Atiyatul Maula Universitas Singaperbangsa Karawang
  • Dede Jajang Suyaman Universitas Singaperbangsa Karawang
  • Seia Piantara Politeknik Tri Mitra Karya Mandiri
  • Nina Puspitaloka Universitas Singaperbangsa Karawang
  • Ricky Denis Agustin Universitas Singaperbangsa Karawang
  • Syifa Nida Zahra Universitas Singaperbangsa Karawang

DOI:

https://doi.org/10.26486/jramb.v11i2.4852

Abstract

This study aims to analyze the effect of MSME literacy on the Character and performance of MSMEs in Karawang Regency. MSME literacy encompasses knowledge of finance, business, law, and technology, which is believed to shape entrepreneurial Character and enhance business performance. The study employed a quantitative approach, utilizing a survey method with 100 MSME players. Data were analyzed using multiple regression and mediation tests. The results showed that MSME literacy has a positive and significant effect on the Character and performance of MSMEs. In addition, the Character of MSMEs is proven to partially mediate the relationship between Literacy and performance. The implications of this study encourage the need for an MSME literacy improvement program that is integrated with entrepreneurial character development.

References

Ajzen, I. (1991). The Theory of Planned Behavior. Organizational Behavior And Human Decision Processes, 211, 179–211.

Anggadwita, G., Ramadani, V., Alamanda, D. T., Ratten, V., & Hashani, M. (2017). Entrepreneurial intentions from an Islamic perspective : a study of Muslim entrepreneurs in Indonesia. Int. J. Entrepreneurship and Small Business, 31(2).

Bandura, A. (1986). Social foundations of thought and action: A social cognitive theory.

Bank, W. (2021). Micro, Small, and Medium Enterprises (MSMEs) Finance: Improving Access to Financial Services.

Barney, J. (1991). Firm Resources and Sustained Competitive Advantage. Journal of Management, 17(1).

Becker, G. S. (1993). Human Capital.

Creswell, J. W., & Ishtiaq, M. (2019). Research Design : Qualitative, Quantitative and Mixed Methods Approaches ( 4th ed). Thousand Oaks, CA : Sage. 12(5), 40–41. https://doi.org/10.5539/elt.v12n5p40

Fatoki, O. (2014). The Financial Literacy of Micro Entrepreneurs in South Africa. Journal of Social Sciences, 40(2).

Febriantika, E. S., & Firmansyah, D. (2019). No Title. Journal of Economics & Development Studies, 7, 14–26.

Grant, R. M. (1998). Toward A Knowledge-Based Theory Of The Firm. Strategic Management Journal, 17.

Gujarati, D. N., & Porter, D. C. (2009). Introductory econometrics (5th ed.).

Hair, J. F., Black, W. C., Babin, B. J., & Anderson, R. E. (2019). Multivariate data analysis (8th ed.).

Joshi, A., Kale, S., Chandel, S., & Pal, D. K. (2015). Likert Scale : Explored and Explained. 7(4), 396–403. https://doi.org/10.9734/BJAST/2015/14975

Kii, N., & Sehendri, M. (2023). Financial Literacy, Entrepreneurial Characteristics, and MSME Income After the Pandemic. Journal of Entrepreneurship Research, 12(1), 45–59.

Kusuma, D., & Hapsari, R. (2020). The Impact of Digital Literacy on MSME Performance During the Pandemic. Journal of Digital Economy, 5(2), 134–142.

Lubis, M., Rachmawati, L., & Suryani, D. (2024). Technological adoption, accounting systems, and MSME performance in Karawang. Journal of Accounting and Business, 9(1), 55–69.

Lumpkin, G. T., & Dess, G. G. (1996). Clarifying the entrepreneurial orientation construct and linking it to performance. Academy of Management Review, 21(1), 135–172.

Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial Literacy. Journal of Economic Literature. Journal of Economic Literature, 52(1), 5–44.

Neuman, W. L. (2014). Social research methods: Qualitative and quantitative approaches (7th ed.).

OECD/INFE. (2018). Core Competencies Framework on Financial Literacy for MSMEs.

OECD. (2020). Entrepreneurship education in the digital age.

OECD. (2023). Financing SMEs and Entrepreneurs 2023: An OECD Scoreboard.

Putri, A., & Rahayu, S. (2021). The Role of Financial Literacy on Entrepreneurial Character among MSMEs. Journal of Entrepreneurship Management, 3(1), 88–96.

Robb, A. M., & Robinson, D. T. (2014). The capital structure decisions of new firms. Review of Financial Studies, 27(1).

Sobel, M. E. (1982). Asymptotic intervals for indirect effects. Sociological Methodology, 13, 290–312.

Talahi, R., & Ie, M. (2024). Entrepreneurial characteristics and MSME resilience. Journal of Small Business Sustainability, 8(1), 77–89.

Utama, K. C., & Yuliana, L. (2025). Implementasi Pembaruan Sistem Inti Administrasi Perpajakan ( Coretax ) terhadap Efisiensi Kinerja Pegawai di Direktorat Jenderal Pajak Universitas Terbuka , Indonesia Universitas Paramadina , Indonesia Undang-Undang. Master Manajemen, 3(2), 43–56.

Valerio, A., Parton, B., & Robb, A. (2014). Entrepreneurship education and training programs around the world.

Venkatraman, N., & Ramanujam, V. (1986). Measurement of business performance. Academy of Management Review, 11(4).

Widiastuti, I., Harman, H., & Sari, P. (2024). Digital Innovation, Financial Literacy, and MSME Performance. Journal of Digital Business, 61, 112–130.

Yuliana, I., & Sari, M. (2022). Entrepreneurial Character as a mediator in MSME success. Journal of Business & Innovation, 10(3), 201–213.

Downloads

Published

2025-11-30

Issue

Section

Jurnal Riset Akuntansi Mercu Buana (JRAMB)