Cahyaningsih, Diyah Sukanti and Safriliana, Retna and Chandrarin, Grahita and Tianti, Sagita Divani Aris and Agustina, Nur Faizah (2026) Analysing the Impact of Digital Knowledge, Technology Access, and Social Support on Women’s Participation in Indonesian MSMEs. International Review for Spatial Planning and Sustainable Development, 14 (2). pp. 259-281. ISSN 2187-3666

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Abstract

This study aims to analyse the influence of Digital Knowledge, Information Technology Access, and Socio-Cultural Support on Women’s Participation in Entrepreneurship and test Financial Literacy’s role as an intervening variable. This study uses the Partial Least Squares (PLS) method involving a sample of women in entrepreneurship. The study results show that Digital Knowledge, Access to Information Technology, and Socio-cultural Support positively and significantly affect Financial Literacy. In addition, the three independent variables also have a direct influence on Women’s Participation in Entrepreneurship. Financial literacy plays a significant role as an intervening variable in strengthening the relationship between the independent and dependent variables. These findings suggest that increasing women’s financial literacy can increase their participation in entrepreneurial activities. This study recommends developing financial literacy training, increasing access to information technology, and strengthening socio-cultural support to encourage women’s entrepreneurship. These findings highlight the need for targeted policies and training programs that address the digital divide and promote gender-inclusive business practices. Collaboration between the government and the private sector is recommended to provide ongoing support in developing digital competencies and financial literacy for women Micro, Small, and Medium Enterprises (MSMEs) entrepreneurs. This study contributes to the
entrepreneurship literature by highlighting the importance of financial literacy in bridging digital knowledge, technology access, and social support to women’s entrepreneurial success.

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