Fintech, Social Capital and Performance of Indonesian MSMEs

This research aims to determine the influence of financial technology, financial literacy and financial inclusion on the performance of micro, small and medium enterprises (MSMEs) in Indonesia mediated by social capital. This research uses quantitative methods, assisted by SmartPLS software for data processing in structural equation modelling analysis. The contribution of this research can be used as a financial strategy for MSMEs to survive, such as testing how financial technology, social capital and financial literacy interact. The results of this research
\nshow that the use of financial technology, financial inclusion and financial knowledge can significantly influence the performance of MSMEs. In addition, social
\ncapital significantly mediates the relationship between financial technology, financial inclusion, financial knowledge and MSME performance. The results of this
\nresearch provide a solid basis for creating a broad and integrated policy strategy. The success of MSMEs depends on a wise combination of fintech, financial inclusivity, financial literacy and social wealth. Therefore, policy makers, financial institutions and business people can use this information to create an environment that supports the growth and sustainability of MSMEs and makes a greater contribution to the local and national economy.