The Effect of Financial Literacy and Digital Literacy on Employee Performance at PT XYZ, Tangerang City
DOI:
https://doi.org/10.55927/ijba.v6i2.16465Keywords:
Financial Literacy, digital Literacy, Employee PerformanceAbstract
This study examines how financial literacy and digital literacy affect employee performance at PT XYZ in Kota Tangerang, addressing gaps on combined literacy impacts and managerial mediation. Using a quantitative explanatory design, financial literacy (X1) and digital literacy (X2) were tested as predictors of employee performance (Y) via multiple linear regression in SPSS 22. A purposive sample of 48 employees provided data collected March–June 2023. Assumption tests supported parametric analysis. The model explained 67.1% of performance variance (R2 = 0.671), with both literacies showing positive relationships with employee performance. Findings imply that integrated capacity-building in financial and digital skills—paired with managerial development and digital adoption strategies—can substantially improve individual and organizational outcomes in Tangerang’s competitive MSME context.
Downloads
References
Adawiah, A., & Nurhidayati, A. (2024). Pengaruh Literasi Digital Terhadap Kinerja Tenaga Kependidikan Pada Universitas Lamappapoleonro. Jurnal Ilmiah Metansi (Manajemen dan Akuntansi), 7(2), 436-446.
Farhan, M. T., Eryanto, H., & Saptono, A. (2022). Pengaruh literasi digital dan orientasi kewirausahaan terhadap kinerja usaha UMKM. TRANSEKONOMIKA: Akuntansi, Bisnis Dan Keuangan, 2(6), 35-48.
Hamid, R. S. (2023). Peran literasi keuangan dan literasi digital dalam meningkatkan kinerja UMKM. Owner: Riset dan Jurnal Akuntansi, 7(2), 1635-1645.
Hasanah, J., & Subagja, G. (2026). PENGARUH LITERASI KEUANGAN, INKLUSI KEUANGAN, LITERASI DIGITAL DAN ORIENTASI KEWIRAUSAHAAN TERHADAP KINERJA USAHA MIKRO, KECIL DAN MENENGAH SEKTOR HILIRISASI PANGAN DI BANDAR LAMPUNG. JURNAL EKOBIS DEWANTARA, 9(1), 1566-1577.
Huda, N., Pratiwi, A., & Munandar, A. (2023). Pengaruh literasi keuangan dan literasi digital terhadap kinerja UMKM Kota Bima. Bisnis-Net Jurnal Ekonomi dan Bisnis, 6(1), 216-224.
Khaira, N. (2024). Peran literasi digital dan kepemimpinan digital terhadap kinerja karyawan: Studi kasus generasi millenial dan Z di GoTo Group. INOBIS: Jurnal Inovasi Bisnis dan Manajemen Indonesia, 7(2), 135-147.
Nurdien, F. G., & Galuh, A. K. (2023). Pengaruh Literasi Keuangan dan Literasi Digital terhadap Preferensi Menggunakan QRIS BSI Mobile (Studi Kasus Gen Z di Kota Malang). Islamic Economics and finance in Focus, 2(4), 588-601.
Nurwidyani, S. E., Jaya, R. C., Utami, W. N., Mubarok, D. A. A., & Ismail, G. D. (2024). The Effect of Work From Home, Digital Platform and Digital Literacy on Employee Productivity at PT. XYZ Cirebon Regency. Dinasti International Journal of Management Science (DIJMS), 5(3).
Nurdyanto, S. D., Ismail, T., & Sapiri, M. (2024). Pengaruh Literasi Keuangan dan Literasi Digital terhadap Kinerja Usaha Mikro Kecil dan Menengah Melalui Kemampuan Manajerial: Studi Kasus Kabupaten Mamuju Sulawesi Barat. Al-Buhuts, 20(1), 62-102
Pakan, R., & Bastaman, A. (2025). PENGARUH LITERASI KEUANGAN DAN LITERASI DIGITAL TERHADAP KINERJA BERKELANJUTAN UMKM DENGAN PERSEPSI RISIKO SEBAGAI MEDIATOR. Jurnal Riset Multidisiplin Edukasi, 2(8), 650-664.
Sitorus, C. Y., Anggela, F. P., & Gunawan, B. (2025). The Effect Of Competency And Work Motivation On Employee Performance Of PT. XYZ. International Journal of Management, Economic, Business and Accounting, 4(3), 30-52.
Surya, T. L., Lestari, A. A., & Yelnim, Y. (2026). THE INFLUENCE OF FINANCIAL LITERACY ON MSME FINANCIAL MANAGEMENT IN THE DIGITAL ERA: A CASE STUDY OF THE SUNGAI JERNIH WOMEN'S COOPERATIVE. Akrab Juara: Jurnal Ilmu-ilmu Sosial, 11(1), 237-248.
Widiastuti, C. T. (2024). Pengaruh Literasi Keuangan Dan Inovasi Digital Terhadap Kinerja Umkm. Sosio Dialektika, 9(1), 150-170.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 Hanggono Arie Prabowo
This work is licensed under a Creative Commons Attribution 4.0 International License.
