Sep 2026· Formosa Journal of Science and Technology· Vol 5, pp. 2281-2294· 0 citations· 25 references
TL;DR
The results of the study show that the three variables have a positive and significant effect on business sustainability, with management skills as the dominant factor.
Abstract
The development of the digital economy encourages business actors to strengthen financial capacity, managerial competence, and access to digital financing to maintain business sustainability. This study aims to analyze the influence of financial literacy, management skills, and access to digital capital on business sustainability. The study uses a quantitative approach with a survey design of 150 MSME actors selected through purposive sampling. Data were collected using a structured questionnaire and analyzed by multiple linear regression. The results of the study show that the three variables have a positive and significant effect on business sustainability, with management skills as the dominant factor. These findings affirm the importance of integrating financial literacy, managerial capabilities, and digital financing inclusion in strengthening the resilience and sustainable growth of MSMEs
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