PENGARUH LITERASI KEUANGAN, KOMPETENSI SUMBER DAYA MANUSIA, DAN IMPLEMENTASI E-COMMERCE TERHADAP KINERJA KEUANGAN UMKM KOTA PALU

Micro, Small and Medium Enterprise (MSME) are a pilar of the national economy but in fact, they still face many obstacles in improving their financial performance. The purpose of this study is to examine the influence of financial management capabilities, human resources capacity, and the use of e-commerce system on the financial performance of MSMEs in Palu City. This study used a quantitative method, with primary data collected through questionnaires distributed to 150 MSMEs. The sampling method used was purposive sampling, which the requirement that 1) MSMEs have been operating for at least one year,
2) and have implemented e-commerce in their business processes. Data management included validity and reliability testing, descriptive data analysis, classical assumption analysis, multiple regression analysis and hypothesis testing. The findings indicated that financial literacy, human resource competency, and e-commerce implementation have a significantl and positive impact on the financial performance of MSMEs in Palu City. These results indicate that focusing on these three components is crucial for improving the financial performance and sustainability of MSMEs businesses.