Kinerja UMKM melalui Kesadaran Ekonomi, Teknologi Keuangan, dan Ketahanan Keuangan di Kabupaten Bojonegoro

Muhammad Arung Nazarudin, Vidi Hadyarti

Abstract


Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in supporting the regional economy, including in Bojonegoro Regency. This study aims to examine the influence of economic awareness, financial technology, and financial resilience on the financial performance of MSMEs in Bojonegoro Regency. The population in this study were MSME actors, with a total of 144 respondents. The approach used was quantitative through primary data collection using questionnaires. Respondents were selected purposively, while data processing was carried out using the Structural Equation Modelling–Partial Least Squares and Regression methods using SmartPLS. The results of the analysis show that economic awareness, the use of financial technology, and financial resilience have a positive and significant effect on the financial performance of MSMEs. Simultaneously, these three variables were proven to contribute to improving the financial performance of MSMEs. These findings confirm that the ability of MSME players to understand economic conditions, optimise financial technology, and maintain business financial stability are key factors in improving financial performance in a sustainable manner.


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DOI: https://doi.org/10.21107/jkim.v6i2.33766

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Copyright (c) 2026 Muhammad Arung Nazarudin, Vidi Hadyarti

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This work is licensed under a Creative Commons Attribution 4.0 International License.

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.