Pengaruh Literasi Digital Terhadap Kinerja Debitur Pembiayaan Ultra Mikro Melalui Kemampuan Manajerial di Kabupaten Mamuju
DOI:
https://doi.org/10.30603/ab.v22i1.7699Kata Kunci:
Digital literacy, Managerial Capability, Performance, Ultra Micro FinancingAbstrak
This study examined the effect of digital literacy on the performance of Ultra-Micro Financing (UMi) debtors through managerial capability in Mamuju Regency. Grounded in Dynamic Capability Theory, the research emphasized the importance of internal capabilities in enabling ultra-micro entrepreneurs to adapt to digital transformation and improve business outcomes. A quantitative explanatory research design with a survey approach was employed. Primary data were collected from active UMi debtors who had received financing support. Data were gathered using structured questionnaires measured on a four-point Likert scale and analyzed using Structural Equation Modeling with the Partial Least Squares (SEM-PLS) approach. The findings indicated that digital literacy had a positive and significant effect on managerial capability. Debtors with higher levels of digital literacy demonstrated better abilities in business planning, financial management, marketing strategies, and decision-making. Digital literacy also showed a positive and significant direct effect on debtor performance, reflected in business growth, increased income, and sustainability. Furthermore, managerial capability significantly mediated the relationship between digital literacy and performance, indicating that digital literacy enhanced performance both directly and indirectly through strengthening managerial capacity. The study concluded that improving digital literacy is essential to enhance the sustainability and performance of ultra-micro enterprises
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