Issue

Vol. 13 No. 3 (2026): December

Date Log

Submitted
25 May 2026
Accepted
12 October 2026
Published
26 October 2026

Copyright (c) 2026 Herlina Toaha, Andi Adawiah, Amrial Amrial (Author)

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This work is licensed under a Creative Commons Attribution 4.0 International License.

Business Sustainability in Culinary MSMEs: The Role of Digital Transformation, Financial Technology, and Financial Behavior

https://doi.org/10.24252/minds.v13i3.68438
Herlina Toaha
Universitas lamappapoleonro, Indonesia
Andi Adawiah
Universitas Lamappapoleonro, Indonesia
Amrial Amrial
Universitas Lamappapoleonro, Indonesia

Corresponding Author(s) : Herlina Toaha

[email protected]

Jurnal Minds: Manajemen Ide dan Inspirasi, Vol. 13 No. 3 (2026): December

Abstract

Business sustainability increasingly depends on firms’ capacity to integrate digital capabilities with sound financial practices. This study examines the relationships of digital transformation, financial technology adoption, and financial behavior with business sustainability. Using a quantitative census design, questionnaire data were collected from all 84 members of the study population between August and October 2025. Data were analyzed using SPSS 26 and partial least squares structural equation modeling (PLS-SEM). Digital transformation and financial behavior exhibited positive, statistically significant associations with business sustainability. Financial technology showed a positive but statistically nonsignificant association. The three predictors were jointly significant in explaining business sustainability, although their individual contributions differed. These findings suggest that digital transformation and financial behavior are more closely associated with business sustainability than financial technology adoption alone. The study highlights the importance of integrating technological change with financial decision-making in strategies aimed at sustaining business operations.

Keywords

Business Sustainability Digital Transformation Financial Technology Financial Behavior
Toaha, H., Adawiah, A., & Amrial, A. (2026). Business Sustainability in Culinary MSMEs: The Role of Digital Transformation, Financial Technology, and Financial Behavior. Jurnal Minds: Manajemen Ide Dan Inspirasi, 13(3), 733–748. https://doi.org/10.24252/minds.v13i3.68438
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