Effect of Payment Gateway, Financial Literacy, Financial In

Abstract

This study examines small and medium-sized enterprises (SMEs) in Mataram City's
creative economy sector to ascertain the effect of payment gateways and financial literacy
on SME performance with financial inclusion as an intervention variable. Research design
that is quantitative and descriptive is used in this study. Participants in this study were
small and medium-sized enterprises (SMEs) from the creative economy who use
payment gateways. The sample included a total of fifty participants. The study's sample
strategy, known as snowball sampling, was utilized since it was unknown how many
SMEs in the creative economy sector used payment gateways. The data source for the
primary information will be SMEs themselves. The results of the study show that
financial literacy and payment gateways have a considerable beneficial influence on SME
performance. They also demonstrate that financial literacy and payment gateways have
a significant positive impact on financial inclusion. However, neither financial inclusion
as a standalone variable nor as an intervening factor had any effect on SME success.