THE IMPACT OF THE DIGITAL DIVIDE, MANAGEMENT FINANCE TO THE PERFORMANCE OF DISTRICT MSMES KARAWANG

Karawang Regency is no exception to the importance of micro, small, and medium-sized enterprises (MSMEs) to the Indonesian economy.  Low digital technology adoption and poor financial management are two of the many obstacles that micro, small, and medium-sized enterprises (MSMEs) in this area continue to confront.  Find out how financial management and the digital divide affect the success of micro, small, and medium-sized enterprises (MSME) with this research.  All operational MSMEs in Karawang Regency were included in the quantitative methodology.  Data were gathered using surveys, and the sample was selected using a purposive sampling technique.  We ran the numbers via SMARTPLS 4.0, which is a Partial Least Squares algorithm.  Findings show that financial management and the digital divide significantly affect MSME performance for the better.  A narrower digital divide means more opportunities for micro, small, and medium-sized enterprises (MSME) to boost efficiency, enter new markets, and compete more effectively.  Stability, improved decision-making, and more trust from outside sources are all outcomes of well-managed finances.  So that micro, small, and medium-sized enterprises (MSMEs) may prosper and endure in the digital age, this research stresses the need of enhancing financial management skills, increasing digital literacy, constructing technical infrastructure, and offering training in the use of business technology.