Sharia Financial Literacy, Financial Inclusion, and Fintech-Based Digital Payments as Determinants of Financial Performance: Evidence from Halal Culinary MSMEs in Tulungagung

Abstrak

Introduction/Main Objectives: This study examines the effects of Sharia financial literacy, financial inclusion, and digital payment adoption on the financial performance of halal culinary MSMEs in Tulungagung Regency. Research Methods: A quantitative approach using multiple linear regression was applied to 100 halal-certified culinary MSME owners and managers, selected through purposive sampling and QRIS. Findings/Results: Sharia financial literacy, financial inclusion, and digital payments had positive and significant effects on financial performance, both individually and jointly. Together, these variables explained 46.5% of the variation in financial performance. Conclusion: Strengthening Sharia financial literacy, expanding financial inclusion, and increasing digital payment adoption can improve the financial performance of halal culinary MSMEs.