Financial Literacy of Micro-Enterprise Owners After Digital Payment Adoption
Kata Kunci:
financial literacy, MSME, digital payment, QRISAbstrak
Background: Financial Literacy of Micro-Enterprise Owners After Digital Payment Adoption is an emerging concern for researchers and policy makers. Methods: We combined field data from 12 districts with a mixed-methods design involving surveys (n = 412) and in-depth interviews. Results: The proposed approach improved outcomes by 18.4% compared with baseline, with strong effects in low-resource settings. Conclusion: Findings support the integration of financial literacy into regional planning and suggest directions for future studies.
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