E-Business Innovation on SME Resilience Model: The Moderating Role of Financial Literacy
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Keywords

E-Business Innovation
SME Resilience Model
Financial Literacy

How to Cite

Rosmawati, W., Judijanto, L., Amilusholihah, Sopandi, E., Arifin, Z., & Achmad, F. (2025). E-Business Innovation on SME Resilience Model: The Moderating Role of Financial Literacy. Journal of Economics, Business, and Accountancy Ventura, 28(1), 1-18. https://doi.org/10.14414/jebav.v28i1.4729
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This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.

Abstract

In the era of advanced digitalization, the ability of SMEs to adapt and adopt 
e-business innovation is a key factor to survive and compete in the global 
market. This study aims to determine the effect of e-business innovation in 
improving the resilience of SMEs and explore the extent to which financial 
literacy moderates the relationship between the adoption of e-business 
innovation and SME resilience. This research was conducted in the printing 
sector of Malang City, Indonesia, which has around 2,145 printing SMEs 
based on data from the Malang City Cooperative Office in 2023. The research 
method uses a quantitative approach with a Structural Equation Model (SEM) 
assisted by the Smart PLS application. The sampling technique used 
purposive sampling with a sample of 100 SMEs selected based on criteria 
such as business size, level of e-business technology adoption, and financial 
literacy. The results showed that the variables studied had a significant and 
positive effect so that it was accepted. In addition, strong financial literacy 
can strengthen the relationship between e-business innovation and SME 
resilience. These findings underscore the importance of improving financial 
literacy among SMEs as part of the strategy to maximize the benefits of e
business innovation in improving SMEs' business resilience. 

References

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Abdul-Halim, H., Ahmad, N. H., Geare, A., & Thurasamy, R. (2019). Innovation Culture in SMEs: The

Importance of Organizational Culture, Organizational Learning and Market Orientation.