PERAN ADOPSI E-COMMERCE, LITERASI DIGITAL, DAN KINERJA KEUANGAN DALAM MENDORONG KEBERLANJUTAN USAHA MIKRO DAN KECIL DI JAKARTA
Keywords:
E-Commerce Adoption, Digital Literacy, Financial Performance, Sustainability, UMK
Abstract
Pertumbuhan ekonomi digital mendorong pelaku Usaha Mikro dan Kecil (UMK) untuk meningkatkan pemanfaatan teknologi, khususnya melalui adopsi e-commerce dan penguatan Digital Literacy. Penelitian ini bertujuan untuk menganalisis pengaruh Digital Literacy dan E-Commerce Adoption terhadap Financial Performance dan Sustainability UMK di Provinsi Daerah Khusus Jakarta, serta menguji peran mediasi Financial Performance. Penelitian ini menggunakan pendekatan kuantitatif dengan data primer yang dikumpulkan melalui kuesioner online berskala Likert 6 poin terhadap pelaku UMK generasi Milenial dan Generasi Z di Jakarta yang telah menjalankan usaha minimal dua tahun. Analisis data dilakukan menggunakan metode Structural Equation Modeling–Partial Least Squares (SEM-PLS) melalui aplikasi SmartPLS 4.0. Hasil penelitian menunjukkan bahwa Digital Literacy berpengaruh positif dan signifikan terhadap E-Commerce Adoption dan Financial Performance, namun tidak berpengaruh signifikan secara langsung terhadap Sustainability. E-Commerce Adoption terbukti berpengaruh positif dan signifikan terhadap Financial Performance dan Sustainability. Selain itu, Financial Performance berpengaruh positif dan signifikan terhadap Sustainability serta memediasi pengaruh Digital Literacy dan E-Commerce Adoption terhadap Sustainability. Secara keseluruhan, temuan penelitian menegaskan bahwa kemampuan digital perlu dikonversi menjadi kinerja keuangan agar dapat memberikan dampak nyata terhadap keberlanjutan UMK.
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Shatila, K., Aránega, A. Y., Soga, L. R., & Hernández-Lara, A. B. (2025b). Digital literacy, digital accessibility, human capital, and entrepreneurial resilience: a case for dynamic business ecosystems. Journal of Innovation & Knowledge, 10(3), 100709. https://doi.org/10.1016/J.JIK.2025.100709
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Suryani, U., Arief, M., Bramantoro, S., & Hamsal, M. (2022). The Impact of Digital Literacy and E-Commerce Adoption with O2O Business Adoption on The Performance of Small and Medium Enterprises. INTERNATIONAL JOURNAL OF EBUSINESS AND EGOVERNMENT STUDIES, 14(2), 199–223. https://doi.org/10.34109/ijebeg
Suyanto, B., Sugihartati, R., Egalita, N., Mas’udah, S., Singgih, D. S., & Sudarso. (2023). Digital literacy and survival mechanism of micro-small enterprises in practicing sharing economy. Cogent Social Sciences, 9(2). https://doi.org/10.1080/23311886.2023.2245691;WEBSITE:WEBSITE:TFOPB;PAGEGROUP:STRING:PUBLICATION
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Turban, E., King, D., Lee, J. K., Liang, T.-P., & Turban, D. C. (2015). Electronic Commerce: A Managerial and Social Networks Perspective (8th ed.). Springer International Publishing Switzerland. https://eprints.ukh.ac.id/id/eprint/192/1/2015_Book_ElectronicCommerce.pdf
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APJII. (2025). SURVEI PENETRASI INTERNET DAN PERILAKU PENGGUNAAN INTERNET 2025. https://survei.apjii.or.id/survei
Ausat, A. M. A., & Peirisal, T. (2021). Determinants of E-commerce Adoption on Business Performance: A Study of MSMEs in Malang City, Indonesia. Jurnal Optimasi Sistem Industri, 20(2), 104–114. https://doi.org/10.25077/josi.v20.n2.p104-114.2021
Badan Pusat Statistik. (2025). Statistik E-Commerce 2023 - Badan Pusat Statistik Indonesia. https://www.bps.go.id/id/publication/2025/01/30/d52af11843aee401403ecfa6/statistik-e-commerce-2023.html
Badan Riset dan Inovasi Nasional. (2025). BRIN - BRIN Soroti Rendahnya Adopsi Teknologi Digital oleh UMKM Indonesia. https://brin.go.id/news/124058/brin-soroti-rendahnya-adopsi-teknologi-digital-oleh-umkm-indonesia
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Economic Research Institute for ASEAN and East Asia (ERIA). (2024). ERIA Research Project Report 2024: The Digital Divide Amongst MSMEs in ASEAN. https://www.eria.org/uploads/The-Digital-Divide-Amongst-MSMEs-in-ASEAN.pdf
Fornell, C., & Larcker, D. F. (1981). Evaluating Structural Equation Models with Unobservable Variables and Measurement Error. Journal of Marketing Research, 18(1), 39. https://doi.org/10.2307/3151312
Gorondutse, A. H., Arshad, D., & Alshuaibi, A. S. (2021). Driving sustainability in SMEs’ performance: the effect of strategic flexibility. Journal of Strategy and Management, 14(1), 64–81. https://doi.org/10.1108/JSMA-03-2020-0064
Hafitasari, I. A., Adzani, D. A., & Mafruhat, A. Y. (2022). Analisis Hubungan E-Commerce terhadap UMKM di Indonesia. Jurnal Dinamika Ekonomi Pembangunan, 5(2), 95–105. https://doi.org/10.33005/jdep.v5i2.401
Hair, J. F., Black, W. C., Babin, B. J., & Anderson, R. E. (2019). MULTIVARIATE DATA ANALYSIS EIGHTH EDITION (8th ed.). Cengage Learning. https://eli.johogo.com/Class/CCU/SEM/_Multivariate%20Data%20Analysis_Hair.pdf
Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2022). A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM) Third Edition (3rd ed.).
Indonesia.go.id. (2024). Indonesia.go.id - Masa Depan Ekonomi Digital Indonesia, Strategi Menuju 2030. Https://Indonesia.Go.Id/Kategori/Editorial/8497/Masa-Depan-Ekonomi-Digital-Indonesia-Strategi-Menuju-2030?Lang=1. https://indonesia.go.id/kategori/editorial/8497/masa-depan-ekonomi-digital-indonesia-strategi-menuju-2030?lang=1
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JaKita. (2024). UMKM Jakarta Merambah Bisnis Berbasis Digital. https://jakita.jakarta.go.id/media/download/ind/edisi_4_2024.pdf
Jakpreneur DKI Jakarta. (2024). JakPreneur. https://jakpreneur.jakarta.go.id/umkm-dki
Kementerian Komunikasi dan Digital. (2024). Indeks Masyarakat Digital Indonesia. https://imdi.sdmdigital.id/unduh-data/Data%20Indeks%20Masyarakat%20Digital%20Indonesia%20%28IMDI%29%20Tingkat%20Provinsi
Kementerian Perdagangan RI. (2024). Perdagangan Digital (E-Commerce) Indonesia Periode 2023. https://satudata.kemendag.go.id/ringkasan/produk/perdagangan-digital-e-commerce-indonesia-periode-2023
Kock, N. (2015). Common method bias in PLS-SEM: A full collinearity assessment approach. International Journal of E-Collaboration, 11(4), 1–10. https://cits.tamiu.edu/kock/pubs/journals/2015JournalIJeC_CommMethBias/Kock_2015_IJeC_CommonMethodBiasPLS.pdf
Limanseto, H. (2023, March 6). Tingkatkan Inklusi Keuangan bagi UMKM melalui Pemanfaatan Teknologi Digital, Pemerintah Luncurkan Program PROMISE II Impact - Kementerian Koordinator Bidang Perekonomian Republik Indonesia. https://www.ekon.go.id/publikasi/detail/4980/tingkatkan-inklusi-keuanganbagi-umkm-melalui-pemanfaatan-teknologi-digital-pemerintah-luncurkanprogram-promise-ii-impact
Maulana, M. I., & Suyono, E. (2023). Pengaruh Literasi Keuangan dan Literasi Digital terhadap Keberlanjutan Bisnis Pelaku UMKM Berbasis Syariah. Jurnal Ilmiah Ekonomi Islam, 9(3), 4256–4271. https://doi.org/10.29040/JIEI.V9I3.10856
Menne, F., Surya, B., Yusuf, M., Suriani, S., Ruslan, M., & Iskandar, I. (2022). Optimizing the Financial Performance of SMEs Based on Sharia Economy: Perspective of Economic Business Sustainability and Open Innovation. Journal of Open Innovation: Technology, Market, and Complexity, 8(1), 18. https://doi.org/10.3390/joitmc8010018
Oktrivina, A., Effendi, S., & Hendryadi. (2025). How and when circular economy practices drive financial performance: The role of organizational agility, operational efficiency, and digital technology adoption. Journal of Open Innovation: Technology, Market, and Complexity, 11(3), 1–11. https://doi.org/10.1016/J.JOITMC.2025.100613
PP No. 7 Tahun 2021. (2021). https://peraturan.bpk.go.id/Details/161837/pp-no-7-tahun-2021
Purba, M. I., Claudia, D., Simanjutak, Y., Malau, Y. N., Sholihat, W., & Ahmadi, E. A. (2021). The effect of digital marketing and e-commerce on financial performance and business sustainability of MSMEs during COVID-19 pandemic in Indonesia. International Journal of Data and Network Science, 5, 275–282. https://doi.org/10.5267/j.ijdns.2021.6.006
Shatila, K., Aránega, A. Y., Soga, L. R., & Hernández-Lara, A. B. (2025a). Digital literacy, digital accessibility, human capital, and entrepreneurial resilience: a case for dynamic business ecosystems. Journal of Innovation & Knowledge, 10(3), 100709. https://doi.org/10.1016/J.JIK.2025.100709
Shatila, K., Aránega, A. Y., Soga, L. R., & Hernández-Lara, A. B. (2025b). Digital literacy, digital accessibility, human capital, and entrepreneurial resilience: a case for dynamic business ecosystems. Journal of Innovation & Knowledge, 10(3), 100709. https://doi.org/10.1016/J.JIK.2025.100709
Sugiyono. (2019). Metode Penelitian Kuantitatif, Kualitatif dan R&D. In Angewandte Chemie International Edition, 6(11), 951–952. (Issue Septembfile:///C:/Users/asus/Downloads/29-64-1-SM.pdffile:///C:/Users/asus/Downloads/29-64-1-SM.pdfer 2016). Alfabeta. https://digi-lib.stekom.ac.id/assets/dokumen/ebook/feb_35efe6a47227d6031a75569c2f3f39d44fe2db43_1652079047.pdf
Suprayitno, Dwiatmadja, C., & Suharti, L. (2025). FACTORS AFFECTING BATIK SME PERFORMANCE AND SUSTAINABILITY: THE ROLE OF GOVERNMENT SUPPORT AND BUSINESS ASSOCIATIONS. Problems and Perspectives in Management, 23(1), 249–262. https://doi.org/10.21511/PPM.23(1).2025.19
Suryani, U., Arief, M., Bramantoro, S., & Hamsal, M. (2022). The Impact of Digital Literacy and E-Commerce Adoption with O2O Business Adoption on The Performance of Small and Medium Enterprises. INTERNATIONAL JOURNAL OF EBUSINESS AND EGOVERNMENT STUDIES, 14(2), 199–223. https://doi.org/10.34109/ijebeg
Suyanto, B., Sugihartati, R., Egalita, N., Mas’udah, S., Singgih, D. S., & Sudarso. (2023). Digital literacy and survival mechanism of micro-small enterprises in practicing sharing economy. Cogent Social Sciences, 9(2). https://doi.org/10.1080/23311886.2023.2245691;WEBSITE:WEBSITE:TFOPB;PAGEGROUP:STRING:PUBLICATION
The SMERU Research Institute. (2023). Bangkit dan Berjuang: Potret Kondisi Usaha Kecil dan Menengah di Indonesia.
Turban, E., King, D., Lee, J. K., Liang, T.-P., & Turban, D. C. (2015). Electronic Commerce: A Managerial and Social Networks Perspective (8th ed.). Springer International Publishing Switzerland. https://eprints.ukh.ac.id/id/eprint/192/1/2015_Book_ElectronicCommerce.pdf
Zighan, S., & Ruel, S. (2023). SMEs’ resilience from continuous improvement lenses. Journal of Entrepreneurship in Emerging Economies, 15(2), 233–253. https://doi.org/10.1108/JEEE-06-2021-0235
Published
2026-03-19
How to Cite
Nazwa Oktaviani Mohamad, Ryna Parlyna, & Inkreswari Retno Hardini. (2026). PERAN ADOPSI E-COMMERCE, LITERASI DIGITAL, DAN KINERJA KEUANGAN DALAM MENDORONG KEBERLANJUTAN USAHA MIKRO DAN KECIL DI JAKARTA. Journal of Social and Economics Research, 7(2), 2234-2248. https://doi.org/10.54783/jser.v7i2.1352
Section
Articles
