The Influence of Financial Literacy and Financial Inclusion on Working Capital Management with Financial Technology as a Moderating Variable in MSMEs in Palembang City

The purpose of this study is to analyze the application of the influence of financial literacy and financial inclusion on working capital management with financial technology as a moderating variable in MSMEs in Palembang City. The population in this study were all Micro, Small and Medium Enterprises (MSMEs) in Palembang City who have used or have access to financial technology services in managing their business finances, namely 78,627 MSMEs. The sample was taken using a purposive sampling method so that a sample of 398 MSMEs was obtained. The analysis technique used was the structural equation model partial least square (SEM PLS) method consisting of an inner model and an outer model. The results showed that financial literacy did not have a significant effect on working capital management of MSMEs in Palembang City, financial inclusion had a significant effect on working capital management of MSMEs in Palembang City, financial technology was proven to moderate the relationship between financial literacy and working capital management positively but the moderation of financial technology on the relationship of financial inclusion showed a negative direction.

Institutions

Publication Details

Journal
Zenodo (CERN European Organization for Nuclear Research)
Published
2025-08-22
DOI
https://doi.org/10.5281/zenodo.16925443
Primary Topic
Theoretical and Computational Physics
Type
article
Field-Weighted Citation Impact
0.00
Controls
|||
ALL TIME
JAN
FEB
MAR
APR
MAY
JUN
JUL
AUG
SEP
OCT
article

The Influence of Financial Literacy and Financial Inclusion on Working Capital Management with Financial Technology as a Moderating Variable in MSMEs in Palembang City

Zenodo (CERN European Organization for Nuclear Research)
Theoretical and Computational Physics
article

The Influence of Financial Literacy and Financial Inclusion on Working Capital Management with Financial Technology as a Moderating Variable in MSMEs in Palembang City

article en

Abstract

The purpose of this study is to analyze the application of the influence of financial literacy and financial inclusion on working capital management with financial technology as a moderating variable in MSMEs in Palembang City. The population in this study were all Micro, Small and Medium Enterprises (MSMEs) in Palembang City who have used or have access to financial technology services in managing their business finances, namely 78,627 MSMEs. The sample was taken using a purposive sampling method so that a sample of 398 MSMEs was obtained. The analysis technique used was the structural equation model partial least square (SEM PLS) method consisting of an inner model and an outer model. The results showed that financial literacy did not have a significant effect on working capital management of MSMEs in Palembang City, financial inclusion had a significant effect on working capital management of MSMEs in Palembang City, financial technology was proven to moderate the relationship between financial literacy and working capital management positively but the moderation of financial technology on the relationship of financial inclusion showed a negative direction.

Zenodo (CERN European Organization for Nuclear Research)
Sriwijaya University (ID)
Quality Education
Openalex Percentile: Top 41%
Theoretical and Computational Physics
AI Navigator

Ask Laika to Summarize, Analyze, and Connect papers live on the map.

Summarize Papers & Methodologies

Extract key findings, datasets, and comparative methods across publications.

Benchmark Rankings & Visual Analytics

Rank top research institutions, authors, funders, topics, and journals by Field-Weighted Citation Impact (FWCI) and paper volume with instant charts.

Connect Distant Disciplines

Bridge topological clusters on the map to find hidden collaborative intersections.

The Influence of Financial Literacy and Financial Inclusion on Working Capital Management with Financial Technology as a Moderating Variable in MSMEs in Palembang City · Zenodo (CERN European Organization for Nuclear Research) (2025) | TGRS Research Map | TGRS