Culture is a moderator of the interaction between financial inclusion and financial performance

Komang Krishna Yogantara; I Ketut Yadnyana; I Putu  Sudana; I Ketut Sujana

doi:10.32870/myn.vi56.7880

Autores/as

Komang Krishna Yogantara Universitas Udayana https://orcid.org/0000-0002-1411-0468
I Ketut Yadnyana Universitas Udayana https://orcid.org/0000-0003-3976-3905
I Putu Sudana Universitas Udayana https://orcid.org/0000-0002-3436-9143
I Ketut Sujana Universitas Udayana https://orcid.org/0009-0003-4240-621X

DOI:

https://doi.org/10.32870/myn.vi56.7880

Palabras clave:

Desempeño financiero, Inclusión financiera, Cultura Catur Purusa Artha, MIPYMES

Resumen

Este estudio busca explorar cómo la aplicación de la cultura local puede fortalecer la relación entre la inclusión financiera y el desempeño financiero de las MIPYMES en Bali. Se realizó una encuesta a propietarios de MIPYMES hindúes orientados a la exportación en Bali. Se utilizaron cuestionarios, documentos y entrevistas para recopilar datos, que posteriormente se analizaron mediante la técnica SEM-PLS. Los hallazgos de la investigación muestran que, si bien el uso de servicios financieros no tiene un impacto significativo, otros resultados mostraron un efecto beneficioso. Además, se demostró que la cultura local fortalece las relaciones. Como contribución teórica, el estudio respalda la Teoría Basada en Recursos, lo que la hace relevante para reducir las barreras al crecimiento de las MIPYMES. La relevancia de este artículo radica en brindar nuevas perspectivas, desde la perspectiva de los usuarios, es decir, las MIPYMES, cuyo número aún es muy reducido, especialmente en el uso de valores locales únicos para fortalecer la interacción entre la inclusión financiera y el desempeño financiero de las MIPYMES.

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