https://ejournal.45mataram.ac.id/index.php/economina <p><strong>Jurnal Economina (JE)</strong> is a peer-reviewed journal which publishes original research papers. ECONOMINA has been published since 2022. It is currently published with <a href="https://issn.brin.go.id/terbit/detail/20220913392107936" target="_blank" rel="noopener"><strong>e-ISSN: 2963-1181</strong></a>. The Digital Object Identifier (DOI) is assigned to each published article and the journal is indexed by Crossref, GARUDA, Neliti.Com, Dimensions and Google Scholar.</p> <p>Areas of research include, but are not limited to Global Business, Transition Issues, Economic Growth and Development, Economics of Organizations and Industries, Finance and Investment, Strategic Management, Human Resources, Marketing, Innovations, Public Administration, and Accounting.</p> <p>The journal has been Nationally Accredited in <strong><a href="https://sinta.kemdiktisaintek.go.id/journals/profile/17292" target="_blank" rel="noopener">SINTA 3</a></strong> by the Ministry of Education, Culture, Research, and Technology of The Republic of Indonesia as an achievement for the peer-reviewed journal which has excellent quality in management and publication. The recognition published in <a href="https://drive.google.com/file/d/1WbP5vtgVnR2ruVQjzJ92W9-QrgRhY9ah/view?usp=sharing" target="_blank" rel="noopener"><strong>156/C/C3/KPT/2026 on 7 April 2026</strong></a> which is valid until 2028.</p> LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram en-US JURNAL ECONOMINA 2963-1181 https://ejournal.45mataram.ac.id/index.php/economina/article/view/3765 <div class="page" title="Page 1"> <div class="layoutArea"> <div class="column"> <p>The present investigation seeks to analyze the impact of financial technology, e-commerce adoption, and entrepreneurial capability on the financial performance of Micro, Small, and Medium Enterprises (MSMEs) in North Sulawesi Province, considering both direct effects and indirect effects mediated by financial literacy and trust. A quantitative methodology characterized by a causal research design was utilized, employing a cross-sectional survey approach with a sample of 400 MSME participants selected via purposive sampling. The data were subjected to analysis through descriptive statistics and Partial Least Squares-Structural Equation Modeling (PLS-SEM), facilitated by the SmartPLS 4 software. The results demonstrate that financial technology, e- commerce adoption, and entrepreneurial competencies exert a positive and statistically significant direct influence on MSME financial performance, with financial technology identified as the most influential predictor. Additionally, financial literacy and trust were found to significantly mediate the associations between these three independent variables and MSME financial outcomes. The proposed model accounts for 60.3% of the variance observed in MSME financial performance. These findings highlight the critical necessity of enhancing fintech and e-commerce adoption, alongside fostering improvements in financial literacy and the trust of MSME actors in digital platforms, to maximize financial performance.</p> </div> </div> </div> Wendiaputra Paputungan Yoyo Sudaryo Nunung Ayu Sofiati Andre Suryaningprang Riyandi Nur Sumawidjaja Copyright (c) 2026 JURNAL ECONOMINA https://creativecommons.org/licenses/by-sa/4.0 2026-08-14 2026-08-14 5 8 4769 4781 10.55681/economina.v5i8.3765