The Influence of Financial Technology, Business Innovation, and E-Commerce on MSME Performance (Case Study of MSMEs Fostered by PT. Bukit Asam Tbk)

Authors

  • Efran Merdianto Universitas Bina Darma
  • Dewi Sartika Universitas Bina Darma

DOI:

https://doi.org/10.61978/summa.v4i1.1100

Keywords:

Financial Technology, Business Innovation, E-Commerce, MSME Performance

Abstract

This study investigates the effects of financial technology, business innovation, and e-commerce on the performance of Micro, Small, and Medium Enterprises (MSMEs). The study adopts a quantitative approach using data from MSMEs fostered by PT. Bukit Asam Tbk, analyzed through the Partial Least Squares Structural Equation Modeling (PLS-SEM) method. The findings demonstrate that the utilization of financial technology, innovative business practices, and e-commerce significantly contributes to improving MSME performance. The study highlights that digital adoption and innovation are vital strategies for sustaining competitiveness in the era of digital transformation.

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Published

2026-03-04

How to Cite

Merdianto, E., & Sartika, D. (2026). The Influence of Financial Technology, Business Innovation, and E-Commerce on MSME Performance (Case Study of MSMEs Fostered by PT. Bukit Asam Tbk). Summa : Journal of Accounting and Tax, 4(2), 85–97. https://doi.org/10.61978/summa.v4i1.1100

Issue

Vol. 4 No. 2 (2026): April 2026

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Articles

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