The Influence Of Financial Technology And Data Privacy On The Sustainable Performance Of Culinary MSMEs In Karawang
Keywords:
MSMEs Sustainability Performance, Financial Technology, Data Privacy, Culinary MSMEs
Abstract
This research focuses on the culinary MSME sector in Karawang to evaluate how financial technology and data privacy protocols affect their sustainability performance. To achieve this, a quantitative methodology was implemented, using Partial Least Square-Structural Equation Modeling (PLS-SEM) through the SmartPLS 4.0 software. The study's participants consisted of 100 respondents, a figure determined by the Slovin formula from a total population of 133,000 MSME units, with a purposive sampling technique employed for selection. Based on the data gathered via questionnaires, the findings reveal that financial technology possesses a significant and positive influence on MSME sustainability. Similarly, data privacy was proven to have a positive and significant impact on performance. The study concludes that by maximizing Fintech utility and implementing proper data privacy management, businesses can enhance their operational efficiency and management effectiveness, thereby securing long-term sustainability.
References
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3. Bajwa, F.A. (2025). Financing The Future: The Role Of Fintech, Leadership, And Financial Competencies In Driving Sustainable Firm Performance. Acta Psychologica , 260 , 1–18.
4. Barney, J. (1991). Firm Resource And Sustained Competitive. Journal Of Management , 17 (1), 99–120.
5. Bora Sanjaya, SE (2022). The Influence of Privacy, Security, and Trust on Online Transaction Intentions on the Shopee Site. Journal of Entrepreneurship and Science Management , 3 (2), 155–166.
6. Civelek, Mehmet, Vladimír Krajčík, A. K. (2023). The Impacts Of Dynamic Capabilities On Smes' Digital Transformation Process: The Resource-Based View Perspective. Oeconomia Copernicana , 14 (4). https://Doi.Org/10.24136/Oc.2023.019
7. Dewanti, RM, Karunia, L., & Fajarisman, B. (2025). The Influence of Fintech on the Performance of Rojo Sambel Culinary MSMEs with Financial Inclusion Mediation . 5 (12), 4342–4356.
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9. Ditya Wardana, SF (2025). Digital Transformation of MSMEs: The Role of Digital Marketing in Financial Sustainability Through Sales Growth. Indonesian Journal of Accounting , 10 (2), 162–171.
10. Fandeli, Hary, Hendra Halim, Abdurrozzaq Hasibuan, D. (2025). Sustainability in MSME Management: Environmental, Social, and Economic Perspectives (IM Nadeak (Ed.)). Our Writing Foundation. File:///C:/Users/Hp/Downloads/Fullbooksustainabilitydalammanajemenumkm-Perspektiflingkungansosialdanekonomi.Pdf
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12. Gytha Nurhana Dhea Praadha Gitama, Dessy Kumala Dewi, Ilham Hidayat, Ridho Fardani, AS (2025). Sustainability of Cirebon MSMEs: Financial Literacy, Fintech Lending, Digitalization, and Marketing Strategy. Proaksi Journal , 12 (4). https://Doi.Org/10.32534/Jpk.V12i4.7999
13. Hakim, DL, & Hapsari, RA (2022). Financial Technology Textbook (MP Kodri (Ed.)). CV. Adanu Abimata. Https://Publikasi.Ubl.Ac.Id/Index.Php/Monograph/Catalog/Download/75/94/426-1?Inline=1
14. Hartanto, AR, Elia, F., Paskah, M., & Ahyar, S. (2025). Privacy Protection in Building User Trust in E-Commerce Platforms . 5 (1), 1–7.
15. Hatta Setiabudhi, SE, MA, Suwono, SE, MS, Yudi Agus Setiawan, SS, M. ., & Syahrul Karim, MS (2024). Quantitative Data Analysis with Smart Pls4. Borneo Novelty , 1–102.
16. Hetharie, Y., Rahmawati, E., Soplantila, VD, & Ikhwansyah, I. (2025). Hybrid Model Of Personal Data Protection For Consumers In Digital Msmes: A Comparative Study Of Indonesian And China Regulations. Journal Of Law And Legal Reform , 6 (4), 2015–2058.
17. Indraty, TN (2026). Sustainability Management Strategy in the Digital Era: Challenges and Opportunities. Journal of Islamic Economics & Business Studies , 7 (4), 3290–3302.
18. Irawan, Andueriganta Fadhlihi, Ina Rahmi Diwasya, SA (2026). Financial Literacy, Government Support, And Fintech Adoption As Drivers Of Sme Sustainability Performance. Academia Open , 11 (1). https://Doi.Org/10.21070/Acopen.11.2026.13046
19. Izqa Khikma Mufrodah, Yanti2, LL (2024). The Influence of Financial Literacy & Financial Technology on Business Sustainability: A Case Study of MSMEs in Karawang Regency. Religion Education Social Laa Roiba Journal , 6 , 5017–5032. https://Doi.Org/10.47476/Reslaj.V6i10.4806
20. Johnston, G. (2023). Surveying and Sustainability. Hydro International , 27 (5), 33–35. Https://Binus.Ac.Id/Bekasi/2024/09/Sustainability-Konsep-Dan-Implikasinya-bagi-Environment-Ekonomi-Dan-Sosial/
21. Karyatun, S. (2023). Financial Technology (Fintech): Its Role In Changing People's Money Management Behavior. Journal of Economics , 12 (04), 1545–1550. Https://Ejournal.Seaninstitute.Or.Id/Index.Php/Ekonomi/Article/Download/3234/2558
22. Kashif, M., Pinglu, C., Ullah, S., Zaman, M. (2024). Evaluating The Influence Of Financial Technology (Fintech) On Sustainable Finance: A Comprehensive Global Analysis. Financial Markets And Portfolio Management , 38 , 123–155. https://Doi.Org/10.1007/S11408-023-00439-W
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25. Kurniawan, D., Rusdiana, E., Nugraha, R., Patma, S., Zulfitra, & Sahroni. (2025). The Role of Fintech in Financial Management of MSMEs in Kayu Manis Village, Tanah Sereal District, Bogor City . 4 , 796–806.
26. Kusuma, DR (2025). The Effect Of Financial Technology On Sustainability Performance: Mediating Role Of Green Finance. Journal Of Management And Business Insight , 3 (1), 1–10.
27. Kusuma, M., Narulitasari, D., Nurohman, YA, Economy, F., Islam, B., Raden, U., Said, M., Business, A., Small, M., Raya, S., Raya, S., Square, PL, Raya, S., Raya, S., Umkm, P., Social, P., Large, B., Restrictions, P., Society, K., … Umkm, K. (2021). Financial Inclusion and Financial Literacy on the Performance and Sustainability of MSMEs in Solo Raya. Among Makart Journal , 14 (2), 62–76.
28. Lestari, Z., Munisa, N., Artika, S., Damanik, M., Navita, SD, Al, Y., Damanik, BE, Information, PS, Siantar, P., & Finance, L. (2025). Fintech Development in Indonesia: Challenges and Opportunities. Nusantara Journal of Artificial Intelligence & Computational Innovation , 3 (1), 34–40.
29. Lestari1, AN, Fitria, D., Yuniarti, R., & Pertiwi, DE (2025). The Effect of Fintech Implementation and Financial Inclusion on the Sustainability of MSMEs in Bengkulu City. Journal of Financial Accounting and Accounting Information Technology , 6 (2), 471–482.
30. Listia Nurjanah, M. (2025). Sustainable Performance of SMEs in Batam City to Increase Business Competitiveness. Journal of Economic, Management, Accounting and Technology , 8 (1).
31. Luo, Y. (2025). The Relationship Between Data Privacy And Consumer Trust. Icdde , 03019 , 4–11.
32. Maghfiroh, L., & Susandini, A. (2023). The Role of Financial Literacy, Financial Performance, and Financial Technology on the Sustainability of MSMEs (Study of MSMEs in Pamekasan Regency) . 397–406.
33. Mardiah, A., Putra, JE, Devilishanti, T., Nuraini, L., & Aksa, M. (2025). Analysis of Factors Influencing the Sustainability of Micro, Small, and Medium Enterprises (MSMEs) Established by Students . 6 (1), 708–718.
34. Mendes, AM, Ballo, FW, Indriyani, M., & Tiwu, H. (2025). The Influence of Financial Literacy and Financial Technology (Fintech) on MSMEs in Betun City, Malaka Regency. Journal of Management, Economics and Entrepreneurship , 5 (November).
35. Mirdiyantika, A., & Meiriyanti, R. (2023). The Influence of Financial Literacy, Financial Inclusion, and Financial Technology on Improving MSME Performance in Bulakamba District . 1 (2), 30–47.
36. Muin, I. (2023). Personal Data Protection in E-Commerce Platforms to Improve Indonesia's Digital Economic Development. Journal of Law and Justice , 1 (2), 81–91.
37. Nakwah, R. (2025). Resource Based View (Rbv) . Https://Www.Researchgate.Net/Publication/388732898_Resource_Based_View_Rbv_Rifa_Nakhwah
38. Nopita. (2022). The Influence of Privacy, Security, and Trust on Online Transaction Intentions on the Shopee Site .
39. Prayuti, Y. (2024). Dynamics of Consumer Legal Protection in the Digital Era: Legal Analysis of E-Commerce Practices and Consumer Data Protection in Indonesia. Journal of Legal Interpretation , 5 (1), 903–913.
40. Puspaningtyas, DA, Nur, M., & Al, K. (2025). Legal Protection of Personal Data Privacy in the Digital Era. Journal of Legal Studies , Ix (1), 15–23.
41. Putra., Gede Cahyadi, Ni Luh Putu Wiagustini, Wayan Ramantha, I. Bagus Panji Sedana. (2022). Financial Sustainability Based On Resource Based View Theory And Knowledge Based View Theory. Academy Of Accounting And Financial Studies Journal , 25 (25). Https://Www.Abacademies.Org/Articles/Financial-Sustainability-Based-On-Resource-Based-View-Theory-And-Knowledge-Based-View-Theory-11430.Html
42. Putu, N., Puspa, R., Ica, A., & Candraningrat, R. (2022). The Influence of Fintech on the Financial Performance of MSMEs with Financial Literacy as a Moderating Variable . 3 (1).
43. Riche Fermayani, Romi Rianto Harahap, RR (2022). Analysis of the Influence of Privacy, Security, and Trust on Intention to Transact Online on Lazada. Menara Ekonomi , Viii (1), 66–78.
44. Safira, S., Agustina, A., Hidayanti, NF, & Mukhlishin, M. (2025). Impact Of Fintech And Risk Management On The Sustainability Performance Of MSmes (Micro, Small And Medium Enterprises). Equity , 28 (1), 88–109. https://Doi.Org/10.34209/Equ.V28i1.10160
45. Safitri, RD (2024). The Role of Financial Technology in Improving MSME Financial Management Abstract The Digital Era Provides Convenience for Micro, Small, and Medium Enterprises, Even in Economic Crisis Situations and One of the Main Challenges That Often Invites the Republic. Journal of Management Economics and Accounting , 5 (2), 428–437.
46. Sagena, U., & Sari, TR (2025). Personal Data Protection as a Pillar of Sustainable Digital Economic Growth in Indonesia. Scripta Economica: Journal of Economics, Management, and Accounting , 1 (2).
47. Sholeha, A., Kharisma, AS, & Setiabudi, UM (2024). The Influence of Financial Technology (Fintech) on MSME Performance Through Financial Access Mediation. Jurnal Ekonomika , 17 (2).
48. National Waste Management Information System. (2024). Waste Composition by Type in Karawang Regency 2023. Goodstats Data. https://Data.Goodstats.Id/Statistic/Komposisi-Sampah-Berdasarkan-Jenis-Di-Kabupaten-Karawang-2023-Dgul6
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Published
2026-05-13
How to Cite
Nasywa Almaas Afiyah, Yanti, & Meliana Puspitasari. (2026). The Influence Of Financial Technology And Data Privacy On The Sustainable Performance Of Culinary MSMEs In Karawang. International Journal of Economics, Business and Innovation Research, 5(03), 2000-2025. https://doi.org/10.63922/ijebir.v5i03.3489
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