Digital Literacy as a Strategic Moderator: Unlocking MSME Revenue Potential in the Digital Economy

Indah Fitriana Sari; Muhammad Rafi’i Sanjani

doi:10.63922/ijebir.v5i04.5175

Indah Fitriana Sari Sumbawa University of Technology, Sumbawa Regency, West Nusa Tenggara, Indonesia
Muhammad Rafi’i Sanjani Sumbawa University of Technology, Sumbawa Regency, West Nusa Tenggara, Indonesia

DOI: https://doi.org/10.63922/ijebir.v5i04.5175

Keywords: Digital Economy; MSME Revenue; Digital Literacy; PLS-SEM.

Abstract

The proliferation of the digital economy has created significant opportunities for micro, small, and medium enterprises (MSMEs) to expand their market reach and increase revenue. However, the utilization of digital platforms in business activities remains uneven, particularly in rural areas such as Sumbawa Regency. This study aims to analyze the effect of the digital economy on MSME revenue and to examine the moderating role of digital literacy in this relationship. A quantitative approach with PLS-SEM (Partial Least Squares-Structural Equation Modeling) was employed, using SmartPLS 4 software. The sample consisted of 100 MSME actors in Sumbawa Regency who actively use the internet for business promotion and transactions. Data were collected through structured questionnaires with a Likert scale. The results indicate that: (1) the digital economy has a significant positive effect on MSME revenue (β = 0.427; t = 5.312; p < 0.001); (2) digital literacy has a significant positive effect on MSME revenue (β = 0.318; t = 3.874; p < 0.001); and (3) digital literacy significantly moderates the relationship between the digital economy and MSME revenue (β = 0.241; t = 2.896; p = 0.004). These findings confirm that digital literacy strengthens the positive impact of the digital economy on MSME revenue. The study implies that digital literacy enhancement programs are essential to optimize the benefits of the digital economy for MSMEs in underdeveloped regions.

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