Hamzah, Iffa Dania (2026) PENGARUH TRANSFORMASI DIGITAL (E-PAYMENT) DAN LITERASI KEUANGAN TERHADAP KINERJA KEUANGAN DENGAN DYNAMIC CAPABILITIES SEBAGAI PERAN MEDIASI (Studi Kasus pada UMKM Kuliner di Kota Semarang). Skripsi thesis, Universitas BPD.
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Abstract
This study aims to analyze the effect of digital transformation and financial literacy on the financial performance of MSMEs with dynamic capabilities as a mediating variable. This research uses a quantitative approach with primary data obtained through questionnaires distributed to 100 MSME actors. Data analysis was conducted using Partial Least Squares (PLS) with the assistance of SmartPLS 4 software. The results indicate that digital transformation has a positive and significant effect on the financial performance of MSMEs, while financial literacy does not have a direct significant effect on financial performance. Digital transformation and financial literacy are proven to have a positive and significant effect on dynamic capabilities. Furthermore, dynamic capabilities have a positive and significant effect on MSME financial performance and are able to partially mediate the effect of digital transformation on financial performance and fully mediate the effect of financial literacy on financial performance. These findings indicate that the utilization of digital technology and business adaptability capabilities are important factors in improving MSME financial performance. This study is expected to provide theoretical contributions to the development of the Resource-Based View and serve as practical consideration for MSME actors in improving business competitiveness through strengthening dynamic capabilities.
| Item Type: | Thesis (Skripsi) |
|---|---|
| Additional Information: | Penelitian ini bertujuan untuk menganalisis pengaruh transformasi digital dan literasi keuangan terhadap kinerja keuangan UMKM dengan dynamic capabilities sebagai variabel mediasi. Penelitian ini menggunakan pendekatan kuantitatif dengan data primer yang diperoleh melalui kuesioner kepada 100 pelaku UMKM. Analisis data dilakukan menggunakan Partial Least Squares (PLS) dengan bantuan aplikasi SmartPLS 4. Hasil penelitian menunjukkan bahwa transformasi digital berpengaruh positif dan signifikan terhadap kinerja keuangan UMKM, sedangkan literasi keuangan tidak berpengaruh signifikan secara langsung terhadap kinerja keuangan. Transformasi digital dan literasi keuangan terbukti berpengaruh positif dan signifikan terhadap dynamic capabilities. Selanjutnya, dynamic capabilities berpengaruh positif dan signifikan terhadap kinerja keuangan UMKM serta mampu memediasi secara parsial pengaruh transformasi digital terhadap kinerja keuangan dan memediasi secara penuh pengaruh literasi keuangan terhadap kinerja keuangan. Temuan ini menunjukkan bahwa pemanfaatan teknologi digital dan kemampuan adaptasi usaha menjadi faktor penting dalam meningkatkan kinerja keuangan UMKM. Penelitian ini diharapkan dapat memberikan kontribusi teoretis bagi pengembangan Resource-Based View serta menjadi bahan pertimbangan praktis bagi pelaku UMKM dalam meningkatkan daya saing usaha melalui penguatan kemampuan dinamis. |
| Uncontrolled Keywords: | digital transformation, financial literacy, dynamic capabilities, financial performance, MSMEs |
| Subjects: | H Social Sciences > HD Industries. Land use. Labor H Social Sciences > HF Commerce H Social Sciences > HF Commerce > HF5601 Accounting H Social Sciences > HG Finance H Social Sciences > HN Social history and conditions. Social problems. Social reform |
| Divisions: | Faculty of Law, Arts and Social Sciences > School of Management |
| Depositing User: | Wisudawan S1 |
| Date Deposited: | 30 Mar 2026 08:01 |
| Last Modified: | 30 Mar 2026 08:01 |
| URI: | http://eprints.stiebankbpdjateng.ac.id/id/eprint/3183 |
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