The Influence of Financial Literacy and Digital Literacy on MSME Performance in Merangin Regency Jambi Province with Innovation as a Mediating Variable

This study analyzes the influence of financial literacy and digital literacy on the performance of MSMEs in Merangin Regency, Jambi Province with innovation as a mediating variable. The research method used is quantitative descriptive with a sample of 380 MSME actors and analyzed using Smart-PLS 4.0. The results of the study indicate that financial literacy, digital literacy, and innovation have a positive and significant effect on MSME performance. Financial literacy and digital literacy have a positive and significant effect on innovation. In addition, innovation is able to mediate the relationship between financial literacy and digital literacy on MSME performance. From the results of the study, MSME actors must improve financial literacy, digital literacy, and innovation to improve long-term MSME performance.