ESTD PERPUSTAKAAN UNTAD
ESTD PERPUSTAKAAN UNTAD
| JudulPENGARUH INKLUSI KEUANGAN DIGITAL, LITERASI KEUANGAN DIGITAL, DAN AKSES PERMODALAN TERHADAP PROFITABILITAS USAHA MIKRO DI KOTA PALU |
| Nama: MASRIANI |
| Tahun: 2026 |
| Abstrak This study examines the effects of digital financial inclusion, digital financial literacy, and access to capital on microenterprise profitability in Palu City. Using a quantitative associative approach, data from 100 micro-enterprise respondents were analyzed through multiple linear regression. The results show that the three variables simultaneously affect profitability (R² = 0.641). Partially, digital financial inclusion has no significant effect, digital financial literacy has a positive significant effect, and access to capital has a negative significant effect. Digital financial literacy is the most dominant factor influencing micro-enterprise profitability in Palu City. |