Abstract

SMEs’ sustainability requires SME actors to develop businesses as a means of expanding employment opportunities and equalizing the economy of small people. Current developments in Small and Medium Enterprises are expected to use technology to increase efficiency and competitiveness in business. This research reveals the main problem, namely, how to improve the SMEs’ sustainability with Financial Literacy and Financial technology so that they can compete in the digital era. The use of technology will provide significant changes to the ability of SMEs in business sustainability. This paper presents several methods and techniques for implementing models that support SMEs’ sustainability, in this case, namely financial literacy and financial technology as independent variables. The data used is primary data with quantitative methods, and the respondents were 130 SME actors in Indonesia, especially in Semarang City, Central Java province.