Gender, Information Technology, Financial Literacy, Financial Accessibility, And Performance Of Msmes In Indonesia

Mia Lestari, Yesi Mutia Basri, Gusnardi Gusnardi, Nita Wahyuni


MSMEs have become the concern of governments in many countries because of their contribution to improving the economy. For this reason, this study analyzes several factors that can affect the performance of SMEs. This study analyzes gender disparities, technology use, financial literacy, and financial accessibility on the performance of MSMEs. A total of 245 SMEs became respondents in this study. The questionnaire technique was used to collect data delivered directly to MSME managers in Riau, Indonesia. Data analysis using SEM with Warp PLS 8.0 shows no difference in performance between women and men. Meanwhile, other factors, such as the use of technology, financial literacy, and financial accessibility, significantly improve the performance of MSMEs.


Performance, Gender, Utilization of Technology, Financial Literacy, Financial Accessibility

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