FINANCIAL LITERACY AS THE MODERATOR OF PAYMENT GATEWAY TRANSACTION AND FINANCIAL INCLUCION ON MICRO ENTERPRISES FINANCIAL PERFORMANCE AT BOJA KENDAL

The purpose of this study is to analyze the effect of payment gateway transactions and financial inclusion on financial performance with financial literacy as a variable that can strengthen the relationship between variables. This study used a quantitative research method with a sample of 130 micro entrepreneurs in Boja District. Testing the data obtained in this study using the Partial Least Square - Structural Equation Modeling (PLS-SEM) technique with the help of SmartPLS 3.2.9 software. The results of this study state that payment gateway transactions affect financial performance with a P-Value 0.000. Financial inclusion has no effect on financial performance with a P-Value 0.163. The results of this study also state that financial literacy strengthens the influence of the relationship between payment gateway transactions on financial performance with a P-Value 0.001, but financial literacy actually weakens the effect of the relationship between financial inclusion on financial performance with a P-Value 0.220