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Priyono, A., Moin, A., & Putri, V. N. A. O. (2020). Identifying digital transformation paths in the business model of SMEs during the COVID-19 pandemic. Journal of Open Innovation: Technology, Market, and Complexity, 6(4), 104.
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Tambunan, T. (2019). Recent Evidence of the Development of Micro, Small and Medium Enterprises in Indonesia. Centre for Industry, SME and Business Competition Studies.
Aribawa, D. (2016). Pengaruh literasi keuangan terhadap kinerja dan keberlangsungan UMKM di Jawa Tengah. Jurnal Siasat Bisnis, 20(1), 1–13.
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Wahyono, N. D., & Hutahayan, B. (2021). The relationships between market orientation, learning orientation, financial literacy, on the knowledge competence, innovation, and performance of small and medium textile industries in Java and Bali. Asia Pacific Management Review, 26(1), 39–46. https://doi.org/10.1016/j.apmrv.2020.07.001. DOI: https://doi.org/10.1016/j.apmrv.2020.07.001
Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5–44. DOI: https://doi.org/10.1257/jel.52.1.5
Huston, S. J. (2010). Measuring financial literacy. Journal of Consumer Affairs, 44(2), 296–316. DOI: https://doi.org/10.1111/j.1745-6606.2010.01170.x
Bharadwaj, A., El Sawy, O. A., Pavlou, P. A., & Venkatraman, N. (2013). Digital business strategy. MIS Quarterly, 37(2), 471–482. DOI: https://doi.org/10.25300/MISQ/2013/37:2.3
Vial, G. (2019). Understanding digital transformation. Journal of Strategic Information Systems, 28(2), 118–144. DOI: https://doi.org/10.1016/j.jsis.2019.01.003
Widyastuti, M., Ferdinand, D. Y. Y., & Hermanto, Y. B. (2023). Strengthening formal credit access and performance through financial literacy and credit terms in micro, small and medium businesses. Journal of Risk and Financial Management, 16(1), 52. DOI: https://doi.org/10.3390/jrfm16010052
Teng, X., Wu, Z., & Yang, F. (2022). Research on the relationship between digital transformation and performance of SMEs. Sustainability, 14(10), 6012. DOI: https://doi.org/10.3390/su14106012
Priyono, A., Moin, A., & Putri, V. N. A. O. (2020). Identifying digital transformation paths in the business model of SMEs during the COVID-19 pandemic. Journal of Open Innovation: Technology, Market, and Complexity, 6(4), 104. DOI: https://doi.org/10.3390/joitmc6040104
van Laar, E., van Deursen, A. J. A. M., van Dijk, J. A. G. M., & de Haan, J. (2017). The relation between 21st-century skills and digital skills. Computers in Human Behavior, 72, 577–588. DOI: https://doi.org/10.1016/j.chb.2017.03.010
Tambunan, T. (2019). Recent Evidence of the Development of Micro, Small and Medium Enterprises in Indonesia. Centre for Industry, SME and Business Competition Studies. DOI: https://doi.org/10.1186/s40497-018-0140-4
Aribawa, D. (2016). Pengaruh literasi keuangan terhadap kinerja dan keberlangsungan UMKM di Jawa Tengah. Jurnal Siasat Bisnis, 20(1), 1–13. DOI: https://doi.org/10.20885/jsb.vol20.iss1.art1
Khin, S., & Ho, T. C. F. (2019). Digital technology, digital capability and organizational performance: A mediating role of digital innovation. International Journal of Innovation Science, 11(2), 177–195. DOI: https://doi.org/10.1108/IJIS-08-2018-0083
Susan, M. (2020). Financial literacy and growth of micro, small, and medium enterprises in West Java, Indonesia. International Journal of Economics and Business Administration. DOI: https://doi.org/10.1108/S1571-038620200000027004
Ye, J., & Kulathunga, K. M. M. C. B. (2019). How does financial literacy promote sustainability in SMEs? A developing country perspective. Sustainability, 11(10), 2990. https://doi.org/10.3390/su11102990 DOI: https://doi.org/10.3390/su11102990
OECD. (2020). OECD/INFE 2020 International Survey of Adult Financial Literacy. OECD Publishing. DOI: https://doi.org/10.1787/145f5607-en
Otoritas Jasa Keuangan. (2023). Survei Nasional Literasi dan Inklusi Keuangan Tahun 2023. Otoritas Jasa Keuangan. https://www.ojk.go.id
Badan Pusat Statistik. (2024). Statistik Indonesia 2024. Badan Pusat Statistik. https://www.bps.go.id
Kementerian Koperasi dan UKM Republik Indonesia. (2023). Profil UMKM Indonesia. Jakarta: Kementerian Koperasi dan UKM Republik Indonesia.
Bidasari, Sahrir, Goso, & Hamid. (2023). Peran Literasi Keuangan dan Literasi Digital dalam Meningkatkan Kinerja UMKM. Owner: Riset dan Jurnal Akuntansi, 7(2), 1635–1645. https://doi.org/10.33395/owner.v7i2.1404.
Kulathunga, K. M. M. C. B., Ye, J., Sharma, S., & Weerathunga, P. R. (2020). How Does Technological and Financial Literacy Influence SME Performance: Mediating Role of ERM Practices. Information, 11(6), 297. https://doi.org/10.3390/info11060297.
Wahyono, N. D., & Hutahayan, B. (2021). The relationships between market orientation, learning orientation, financial literacy, on the knowledge competence, innovation, and performance of small and medium textile industries in Java and Bali. Asia Pacific Management Review, 26(1), 39–46. https://doi.org/10.1016/j.apmrv.2020.07.001.
Lusardi, A., & Mitchell, O. S. (2014). The economic importance of financial literacy: Theory and evidence. Journal of Economic Literature, 52(1), 5–44.
Huston, S. J. (2010). Measuring financial literacy. Journal of Consumer Affairs, 44(2), 296–316.
Bharadwaj, A., El Sawy, O. A., Pavlou, P. A., & Venkatraman, N. (2013). Digital business strategy. MIS Quarterly, 37(2), 471–482.
Vial, G. (2019). Understanding digital transformation. Journal of Strategic Information Systems, 28(2), 118–144.
Kementerian Komunikasi dan Informatika Republik Indonesia. (2023). Laporan Perkembangan Digitalisasi UMKM Indonesia. Kementerian Komunikasi dan Informatika
Widyastuti, M., Ferdinand, D. Y. Y., & Hermanto, Y. B. (2023). Strengthening formal credit access and performance through financial literacy and credit terms in micro, small and medium businesses. Journal of Risk and Financial Management, 16(1), 52.
Teng, X., Wu, Z., & Yang, F. (2022). Research on the relationship between digital transformation and performance of SMEs. Sustainability, 14(10), 6012.
Priyono, A., Moin, A., & Putri, V. N. A. O. (2020). Identifying digital transformation paths in the business model of SMEs during the COVID-19 pandemic. Journal of Open Innovation: Technology, Market, and Complexity, 6(4), 104.
European Commission. (2022). Digital Economy and Society Index (DESI) 2022. European Commission.
UNESCO. (2018). A Global Framework of Reference on Digital Literacy Skills.
van Laar, E., van Deursen, A. J. A. M., van Dijk, J. A. G. M., & de Haan, J. (2017). The relation between 21st-century skills and digital skills. Computers in Human Behavior, 72, 577–588.
Tambunan, T. (2019). Recent Evidence of the Development of Micro, Small and Medium Enterprises in Indonesia. Centre for Industry, SME and Business Competition Studies.
Aribawa, D. (2016). Pengaruh literasi keuangan terhadap kinerja dan keberlangsungan UMKM di Jawa Tengah. Jurnal Siasat Bisnis, 20(1), 1–13.
Hair, J. F., Black, W. C., Babin, B. J., & Anderson, R. E. (2019). Multivariate Data Analysis (8th ed.). Cengage Learning.
Khin, S., & Ho, T. C. F. (2019). Digital technology, digital capability and organizational performance: A mediating role of digital innovation. International Journal of Innovation Science, 11(2), 177–195.
Susan, M. (2020). Financial literacy and growth of micro, small, and medium enterprises in West Java, Indonesia. International Journal of Economics and Business Administration.
Ye, J., & Kulathunga, K. M. M. C. B. (2019). How does financial literacy promote sustainability in SMEs? A developing country perspective. Sustainability, 11(10), 2990. https://doi.org/10.3390/su11102990
Ghozali, I. (2021). Aplikasi Analisis Multivariate dengan Program IBM SPSS (Edisi 10). Badan Penerbit Universitas Diponegoro.
OECD. (2020). OECD/INFE 2020 International Survey of Adult Financial Literacy. OECD Publishing.
Sekaran, U., & Bougie, R. (2020). Research Methods for Business: A Skill Building Approach (8th ed.). Wiley
