Pengaruh Literasi Keuangan, Inklusi Keuangan, Penggunaan E-Commerce Dan Kompe…

ABSTRACT This study investigates the impact of financial literacy, financial inclusion, ecommerce utilization, and human resource competencies on the performance of MSMEs. The research was conducted with a sample of 394 MSME owners, using primary data collected through structured questionnaires in Pekanbaru City, Riau Province. The relationships and influences among the variables were anal…