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All Journal IJCCS (Indonesian Journal of Computing and Cybernetics Systems) Jurnal Sosialisasi: Jurnal Hasil Pemikiran, Penelitian dan Pengembangan Keilmuan Sosiologi Pendidikan Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Jurnal Ketahanan Nasional Jurnal Al-Tadzkiyyah Economic Education Analysis Journal Jurnal Manajemen Pendidikan Al Ishlah Jurnal Pendidikan Educatio Jurnal PIPSI: Jurnal Pendidikan Ilmu Pengetahuan Sosial Indonesia Pendas : Jurnah Ilmiah Pendidikan Dasar Paedagoria : Jurnal Kajian, Penelitian dan Pengembangan Kependidikan Jurnal Teknoinfo Journal of Education and Instruction (JOEAI) Alignment: Journal of Administration and Educational Management Jurnal Pendidikan Ekonomi (JURKAMI) Journal on Education Global Conference Index Jambura Economic Education Journal Jurnal EDUCATIO: Jurnal Pendidikan Indonesia JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Al-Kharaj: Journal of Islamic Economic and Business Jurnal Ilmiah Profesi Pendidikan Journal of Elementary School (JOES) Fitrah: Jurnal Studi Pendidikan Journal of Psychological Perspective Jurnal Teknimedia: Teknologi Informasi dan Multimedia ABSYARA: Jurnal Pengabdian Pada Masyarakat Jurnal Kependidikan: Jurnal Hasil Penelitian dan Kajian Kepustakaan di Bidang Pendidikan, Pengajaran dan Pembelajaran Jumat Informatika: Jurnal Pengabdian Masyarakat LEARNING : Jurnal Inovasi Penelitian Pendidikan dan Pembelajaran Jurnal Abdimas Bina Bangsa ACADEMIA: Jurnal Inovasi Riset Akademik Jurnal Info Sains : Informatika dan Sains Participative Journal (PJ) : Jurnal Pengabdian Pada Masyarakat Jurnal Pendidikan Sosial Keberagaman (JURIDIKSIAM) Jurnal WIDYA LAKSMI (Jurnal Pengabdian Kepada Masyarakat) EDUCATOR : Jurnal Inovasi Tenaga Pendidik dan Kependidikan International Journal on Education Insight Siwayang Journal: Publikasi Ilmiah Bidang Pariwisata, Kebudayaan, dan Antropologi Journal of Office Administration : Education and Practice Jurnal Abdimas Musi Charitas Kasta: Jurnal Ilmu Sosial, Agama, Budaya dan Terapan Edunusa: Journal of Economics and Business Education Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Pengabdian Pada Masyarakat Jurnal el-Huda: Jurnal Pendidikan, Sosial, dan Keagamaan Talimi Interdiciplinary Journal of Education Digital Muslim Review Journal of Management, Entrepreneurship and Tourism Economic Education Analysis Journal Referendum International Journal of Economics, Business and Innovation Research Asian Journal of Management, Entrepreneurship and Social Science Action Research Journal Ulil Albab PESHUM Circular : Jurnal Pendidikan Sosial Dan Ekonomi Journal of Computer Science and Technology Application Journal Creative Economics and Trading Halal Ecosystem Jurnal PROFIT: Kajian Pendidikan Ekonomi dan Ilmu Ekonomi
Muh. Fahrurrozi
(SCOPUS ID 75214457054 | SINTA ID 5986424) Pendidikan Ekonomi, Universitas Hamzanwadi, Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Other

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PENGEMBANGAN MODEL INSTRUMEN EVALUASI MENGGUNAKAN APLIKASI KAHOOT PADA PEMBELAJARAN EKONOMI Muh. Fahrurrozi; Siti Nur Laili Rahmawati
Jurnal PROFIT: Kajian Pendidikan Ekonomi dan Ilmu Ekonomi Vol. 8 No. 1 (2021): Jurnal PROFIT: Kajian Pendidikan Ekonomi dan Ilmu Ekonomi
Publisher : Pendidikan Ekonomi FKIP Universitas Sriwijaya, in partnership with Asosiasi Profesi Pendidikan Ekonomi Indonesia (ASPROPENDO)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36706/jp.v8i1.13090

Abstract

This study aims to determine how the development of evaluation instruments using the Kahoot application and the effectiveness of the evaluation instruments using the Kahoot application. This type of research is a development with a research design model using ADDIE, namely analysis (analysis), design (design), development (development), implementation (implementation), and evaluation (evaluation). The validation results from material experts get the final percentage of 83% with very feasible criteria. The results of the validation from the media expert obtained a final percentage of 86% with very feasible criteria. In the assessment of students, the final percentage was 82% with very good criteria. On the test results, students got an average of 80%. The validity of the test results obtained 14 valid and 16 invalid questions, the reliability obtained in multiple choice questions was 0.77 in the high reliability category and in 5 true or false questions it was 0.28 with the low reliability category.
The Effect of Entrepreneurial Motivation, Risk-Taking Propensity, and Creativity on MSME Sustainability with Business Innovation as an Intervening Variable and Family Support as a Moderating Variable Wanda Desta Arlina; Pahrudin; Muh. Fahrurrozi
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.10427

Abstract

This study aims to analyze the influence of entrepreneurial motivation, risk-taking, and creativity on the sustainability of MSMEs, with business innovation as an intervening variable and family support as a moderating variable. The method used was a quantitative approach with an explanatory research design. Data were collected through questionnaires from MSMEs in West Nusa Tenggara (NTB) using purposive sampling and analyzed using SEM-PLS. The results show that entrepreneurial motivation, risk-taking, and creativity significantly influence business innovation. Business innovation significantly influences MSME sustainability and mediates this relationship. Family support has a direct effect on MSME sustainability but does not act as a moderating variable.The implications of this study emphasize the importance of business innovation as a key to improving MSME sustainability.  
The Influence of Digital Marketing, Entrepreneurial Orientation, Business Innovation, and Competitive Advantage on Business Sustainability with Customer Satisfaction as a Mediating Variable Widiya Selfiyana; Pahrudin; Muh. Fahrurrozi
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.10730

Abstract

This study aims to analyze the influence of digital marketing, entrepreneurial orientation, business innovation, and competitive advantage on business sustainability with customer satisfaction as a mediating variable in MSMEs in East Lombok. This study uses a quantitative approach with an explanatory design. The research sample consisted of 150 respondents consisting of MSME owners or managers who have used digital marketing in their business activities. The sampling technique used purposive sampling, while data collection was carried out through distributing questionnaires using a Likert scale. Data analysis was carried out using SPSS through validity and reliability tests, multiple linear regression, and Sobel mediation tests. The results of the study indicate that digital marketing, entrepreneurial orientation, business innovation, and customer satisfaction have a positive and significant effect on business sustainability, while competitive advantage does not have a significant direct effect on business sustainability. In addition, customer satisfaction is able to mediate the influence of digital marketing, business innovation, and competitive advantage on business sustainability, but is unable to mediate the influence of entrepreneurial orientation on business sustainability. This research confirms that the sustainability of MSME businesses is greatly influenced by the ability of business actors to utilize digital technology, create innovation, and increase customer satisfaction in a sustainable manner.
How Digital Capabilities Drive SME Performance: The Mediating Role of Business Innovation and the Moderating Role of Resilience Zuriyati Paziah; Muh. Fahrurrozi; Qurratul Aini
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.10915

Abstract

Objective This study examines the influence of digital literacy, digital technology utilization, and entrepreneurial orientation on MSME performance, with business innovation as a mediating variable and business resilience as a moderating variable in the digital era. Design/Methodology/Approach A quantitative survey approach was applied to 220 MSME operators in East Lombok Regency, analyzed using PLS-SEM to test direct, indirect, and moderating effects. Findings Digital technology adoption, business innovation, business resilience, and digital literacy positively and significantly affect MSME performance. Entrepreneurial orientation indirectly influences performance through business innovation. Digital literacy does not significantly affect business innovation. Business innovation mediates the relationship between digital technology adoption, entrepreneurial orientation, and MSME performance. Business resilience moderates only the innovation–performance relationship. The model shows strong explanatory power (R² = 0.736; Q² = 0.650). Practical Implications MSME owners should optimize digital technology use and continuously innovate. Government and stakeholders should promote digital literacy and business resilience programs to sustain MSME growth. Originality/Value This study integrates digital literacy, digital technology adoption, entrepreneurial orientation, business innovation, and business resilience into a comprehensive model, uniquely positioning innovation as a mediator and resilience as a moderator of MSME performance.
Integrating Local Tourism Potential into Environmental Education: A Case Study of Toya Village Musyaddad Akbar; Badarudin Badarudin; Muh Fahrurrozi
JMET: Journal of Management Entrepreneurship and Tourism Vol. 4 No. 2 (2026): July, Journal of Management, Entrepreneurship and Tourism (JMET)
Publisher : Sumber Belajar Sejahtera

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61277/jmet.v4i2.294

Abstract

This study examines how local tourism potential can be integrated into environmental education as a contextual and experiential learning resource for strengthening environmental literacy and pro-environmental behavior. Using a qualitative case study design, the research was conducted in Toya Village, Indonesia, a rural tourism destination characterized by ecological diversity, natural landscapes, community-based tourism practices, and socio-cultural resources. Data were collected through field observations, semi-structured interviews, document analysis, and focus group discussions involving tourism stakeholders, educators, students, village representatives, and community members. The findings show that local tourism assets, including natural ecosystems, biodiversity, local wisdom, traditional agricultural practices, and community-based tourism activities, can be transformed into meaningful environmental learning resources. These resources support place-based and experiential learning by enhancing environmental knowledge, awareness, critical thinking, environmental values, and participation in conservation-oriented activities. The study contributes to the literature by bridging environmental education and sustainable tourism, an area that remains underdeveloped in formal education frameworks, particularly in rural and developing-country contexts. It proposes a conceptual linkage between local tourism potential, environmental learning processes, learning outcomes, and pro-environmental behavioral change. The findings imply that curriculum integration, teacher capacity building, community participation, and cross-sector collaboration are essential for optimizing tourism destinations as sustainable learning environments.
Entrepreneurial Resilience, Digital Literacy, Business Adaptability, and MSME Performance in Semi-Rural Indonesia Nila Rahma Ningsih; Muh. Fahrurrozi; Susilawati Susilawati
JMET: Journal of Management Entrepreneurship and Tourism Vol. 4 No. 2 (2026): July, Journal of Management, Entrepreneurship and Tourism (JMET)
Publisher : Sumber Belajar Sejahtera

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61277/jmet.v4i2.312

Abstract

Purpose - Micro, small, and medium enterprises (MSMEs) are central to employment creation, local income generation, and regional economic resilience in Indonesia. Yet semi-rural MSMEs often operate under market volatility, resource constraints, and uneven digital readiness. This study examines the effects of entrepreneurial resilience, digital literacy, and business adaptability on MSME performance in Sikur District, East Lombok Regency. Design/methodology/approach A quantitative survey design was used. The population comprised 753 MSME owners, and 100 respondents were selected using the Slovin formula and simple random sampling. Data were collected using a structured five-point Likert-scale questionnaire and analysed with validity and reliability tests, classical assumption tests, multiple linear regression, t-tests, F-test, and coefficient of determination using IBM SPSS Statistics. Findings Entrepreneurial resilience has a positive and significant effect on MSME performance (B = 0.168; standardized beta = 0.254; p = 0.003). Business adaptability is the strongest predictor (B = 0.440; standardized beta = 0.619; p < 0.001). Digital literacy has a positive but non-significant effect (B = 0.035; standardized beta = 0.052; p = 0.550). Simultaneously, the three predictors significantly explain MSME performance, F(3, 96) = 108.042, p < 0.001, with R2 = 0.771. Originality/value - The study extends MSME performance research by integrating entrepreneurial resilience, digital literacy, and business adaptability in a semi-rural Indonesian setting. The findings suggest that digital literacy alone may not immediately improve performance unless it is translated into concrete digital practices, while adaptability and resilience remain decisive capabilities for sustaining MSME competitiveness.
Pengaruh Pengembangan Pariwisata Pedesaan Terhadap Penurunan Kemiskinan Dalam Perspektif SDGS 1 Dengan Dukungan Kelembagaan Sebagai Variabel Moderasi: Pendekatan SEM Muhammad Arif Febrian; Amrullah; Muh. Fahrurrozi
SIWAYANG Journal: Publikasi Ilmiah Bidang Pariwisata, Kebudayaan, dan Antropologi Vol. 5 No. 1 (2026)
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/siwayang.v5i1.5147

Abstract

Write a brief summary of your research, including objectives, methods, results, and conclusions. Limit to 250 words This study aims to analyze the impact of rural tourism development on poverty reduction in Loyok Tourism Village, with institutional support as a moderating variable. Using a quantitative approach, this research applies Structural Equation Modeling (SEM-PLS) to 379 respondents to examine causality and the mediating roles of community empowerment and income. The results indicate that tourism development has a positive and significant effect on community empowerment (t=14.685; p=0.000) and community income (t=14.243; p=0.000). Furthermore, empowerment (t=2.189; p=0.029) and community income (t=4.109; p=0.000) contribute significantly to poverty reduction. However, the analysis reveals that the mediating variables do not significantly mediate the effect, and institutional support fails to moderate the relationship between tourism development and poverty reduction (p=0.175). These findings suggest that the economic benefits of tourism are not yet inclusively distributed and that local-level institutional roles are not yet optimal in supporting the SDG 1 target.
PENGARUH MODEL PEMBELAJARAN IPS BERBASIS KEARIFAN LOKAL UNTUK MENINGKATKAN KETERAMPILAN SISWA PADA SEKOLAH MTS MU’ALLIMIN NWDI PANCOR Sariatul Aini; Muh. Fahrurrozi; Muhamad Juaini
LEARNING : Jurnal Inovasi Penelitian Pendidikan dan Pembelajaran Vol. 6 No. 3 (2026)
Publisher : Pusat Pengembangan Pendidikan dan Penelitian Indonesia (P4I)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51878/learning.v6i3.12233

Abstract

ABSTRACT Social Studies (IPS) learning plays a crucial role in developing students' 21st-century skills. However, its implementation in schools remains predominantly teacher-centered and focused on rote memorization, resulting in limited connections between learning materials and students' real-life experiences. This condition highlights the need for a more contextual learning approach through the integration of local wisdom. This study aims to examine the effect of a local wisdom-based Social Studies learning model on improving students' skills at MTs Mu'allimin NWDI Pancor. The research employed a quantitative approach using a quasi-experimental design with a Nonequivalent Control Group Design. The sample consisted of 68 seventh-grade students divided into an experimental group and a control group. The research procedures included administering a pre-test, implementing local wisdom-based Social Studies learning in the experimental group and conventional instruction in the control group, followed by a post-test. Data were collected through classroom observations and a skills test measuring critical thinking, communication, and collaboration skills. The data were analyzed using statistical tests to determine the differences between the two groups. The findings indicate that the local wisdom-based Social Studies learning model has a positive and significant effect on improving students' skills. The experimental group achieved a higher mean post-test score than the control group. Therefore, the local wisdom-based learning model is more effective than conventional instruction in enhancing students' skills. ABSTRAK Pembelajaran Ilmu Pengetahuan Sosial (IPS) memiliki peran penting dalam mengembangkan keterampilan abad ke-21, namun pelaksanaannya di sekolah masih cenderung berorientasi pada hafalan sehingga kurang mengaitkan materi dengan konteks kehidupan siswa. Kondisi tersebut mendorong perlunya penerapan model pembelajaran yang kontekstual melalui pemanfaatan kearifan lokal. Penelitian ini bertujuan untuk menguji pengaruh model pembelajaran IPS berbasis kearifan lokal terhadap peningkatan keterampilan siswa di MTs Mu'allimin NWDI Pancor. Penelitian menggunakan pendekatan kuantitatif dengan desain eksperimen semu (Nonequivalent Control Group Design). Sampel penelitian berjumlah 68 siswa kelas VII yang dibagi ke dalam kelas eksperimen dan kelas kontrol. Tahapan penelitian meliputi pemberian pre-test, pelaksanaan pembelajaran berbasis kearifan lokal pada kelas eksperimen dan pembelajaran konvensional pada kelas kontrol, kemudian diakhiri dengan post-test. Data dikumpulkan melalui observasi dan tes keterampilan yang mencakup aspek berpikir kritis, komunikasi, dan kolaborasi, kemudian dianalisis menggunakan uji statistik untuk menguji perbedaan hasil kedua kelompok. Hasil penelitian menunjukkan bahwa model pembelajaran IPS berbasis kearifan lokal memberikan pengaruh positif dan signifikan terhadap peningkatan keterampilan siswa. Kelompok eksperimen memperoleh rata-rata nilai post-test yang lebih tinggi dibandingkan kelompok kontrol. Dengan demikian, pembelajaran IPS berbasis kearifan lokal lebih efektif dibandingkan pembelajaran konvensional dalam meningkatkan keterampilan siswa.
AI-BASED ENTREPRENEURSHIP LEARNING, DIGITAL LITERACY, AND PROJECT-BASED LEARNING IN FORMING ENTREPRENEURIAL INTENTION: EVIDENCE FROM HIGH SCHOOL STUDENTS Yuni Amalia Prihatin; Muh. Fahrurrozi; Huzain Jailani
ACADEMIA: Jurnal Inovasi Riset Akademik Vol. 6 No. 3 (2026)
Publisher : Pusat Pengembangan Pendidikan dan Penelitian Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51878/academia.v6i3.12153

Abstract

The high unemployment rate among high school graduates in Indonesia demands the strengthening of digital technology-based entrepreneurship education. This explanatory quantitative research aims to analyze the effect of Artificial Intelligence (AI)-based entrepreneurship learning, digital literacy, and Project-Based Learning (PBL) on students’ entrepreneurial intentions, with digital creativity as a mediating variable and self-efficacy as a moderating variable. Quantitative data were collected through a survey questionnaire instrument on 218 students of SMAN 1 Masbagik with a purposive sampling technique, then analyzed using a Structural Equation Modeling approach based on Partial Least Squares (SEM-PLS) through SmartPLS 4 software. The results showed that digital creativity (β= 0.218 ; p= 0.016) and self-efficacy (β = 0.426 ; p = 0.000) had a significant positive effect on entrepreneurial intention. Al learning had a direct positive effect on digital creativity (β = 0.140; p = 0.006 ) and entrepreneurial intention (β = 0.129 p = 0.045 ). Digital literacy and PBL did not have a direct impact, but had a significant indirect effect through digital creativity as a full mediator. Digital creativity did not mediate Al learning, and self-efficacy did not moderate all paths. The structural model had an R² = 0.415 and Q² = 0.325. The main conclusion of  this study demonstrates that students’ entrepreneurial intentions can be optimally enhanced through the integration of Al learning synergized with the development of digital creativity and strengthening students’ self-efficacy beliefs in facing the dynamics of the workplace and business opportunities in today’s rapidly evolving era of digital transformation ABSTRAK Tingginya tingkat pengangguran lulusan sekolah menengah di Indonesia menuntut adanya penguatan pendidikan kewirausahaan berbasis teknologi digital. Penelitian kuantitatif eksplanatori ini bertujuan menganalisis pengaruh pembelajaran kewirausahaan berbasis Artificial Intelligence (AI), literasi digital, dan Project-Based Learning (PBL) terhadap intensi berwirausaha siswa, dengan kreativitas digital sebagai variabel mediasi serta self-efficacy sebagai variabel moderasi. Data kuantitatif dikumpulkan melalui instrumen kuesioner survei terhadap 218 siswa SMAN 1 Masbagik dengan teknik purposive sampling, lalu dianalisis menggunakan pendekatan Structural Equation Modeling berbasis Partial Least Squares (SEM-PLS) melalui perangkat lunak SmartPLS 4. Hasil penelitian menunjukkan bahwa kreativitas digital (β=0,218; p=0,016) dan self-efficacy (β=0,426; p=0,000) berpengaruh positif signifikan terhadap intensi berwirausaha. Pembelajaran AI berpengaruh positif langsung terhadap kreativitas digital (β=0,140; p=0,006) maupun intensi berwirausaha (β=0,129; p=0,045). Literasi digital dan PBL tidak berdampak langsung, namun berpengaruh tidak langsung secara signifikan melalui kreativitas digital sebagai full mediator. Kreativitas digital tidak memediasi pembelajaran AI, serta self-efficacy tidak memoderasi seluruh jalur. Model struktural memiliki R²=0,415 dan Q²=0,325. Simpulan utama penelitian ini membuktikan bahwa intensi berwirausaha siswa dapat ditingkatkan secara optimal melalui integrasi pembelajaran AI yang disinergikan dengan pengembangan kreativitas digital serta penguatan keyakinan efikasi diri siswa dalam menghadapi dinamika dunia kerja dan peluang bisnis di era transformasi digital yang terus berkembang pesat kini    
PENGARUH LITERASI KEUANGAN DIGITAL, AKSES PEMBIAYAAN DAN PENGELOLAAN KEUANGAN TERHADAP KINERJA DAN KEBERLANJUTAN UMKM DI LOMBOK TIMUR Siti Zohrah; Baiq Yuliana Rizkiwati; Muh. Fahrurrozi
ACADEMIA: Jurnal Inovasi Riset Akademik Vol. 6 No. 3 (2026)
Publisher : Pusat Pengembangan Pendidikan dan Penelitian Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51878/academia.v6i3.12187

Abstract

The limitation of digital financial technology understanding, uneven financing access, and the lack of daily financial management motivate this research activity. These field operational problems trigger low business competitiveness, cash flow recording inefficiency, and operational failure vulnerability for UMKM actors in Lombok Timur. The main focus of this scientific study aims to analyze the magnitude of the effect of digital financial literacy, financing access, and financial management on business performance and sustainability. The steps of this causal associative quantitative research were operated through the distribution of questionnaires to a sample of 225 UMKM actors via a purposive sampling technique. The numerical data processing procedure was executed using Structural Equation Modeling based on Partial Least Squares (SEM-PLS) assisted by SmartPLS 4. The quantitative data empirically reveals a significant positive effect of digital financial literacy (path coefficient 0.421; t 8.013; p 0.000) and financing access (path coefficient 0.409; t 7.535; p 0.000) on UMKM performance. Business sustainability is significantly affected by financing access (path coefficient 0.393; t 8.570; p 0.000) and financial management (path coefficient 0.524; t 11.764; p 0.000), with an R2 value of 0.326 for performance and 0.397 for sustainability. The main conclusion asserts that business sustainability relies on structured cash governance and capital availability. ABSTRAK Keterbatasan pemahaman teknologi keuangan digital, akses pembiayaan yang belum merata, serta minimnya pengelolaan keuangan harian melatarbelakangi kegiatan penelitian ini. Masalah operasional lapangan tersebut memicu rendahnya daya saing bisnis, inefisiensi pencatatan arus kas, serta kerentanan kegagalan operasional bagi para pelaku UMKM di Lombok Timur. Fokus utama kajian ilmiah ini adalah menganalisis besaran pengaruh literasi keuangan digital, akses pembiayaan, dan pengelolaan keuangan terhadap kinerja serta keberlanjutan usaha. Langkah-langkah penelitian kuantitatif asosiatif kausal ini dioperasikan melalui penyebaran kuesioner angket pada sampel 225 pelaku UMKM via teknik purposive sampling. Prosedur pengolahan data numerik dieksekusi memakai permodelan Structural Equation Modeling berbasis Partial Least Squares (SEM-PLS) berbantuan SmartPLS 4. Data kuantitatif secara empiris menyingkap pengaruh positif signifikan literasi keuangan digital (koefisien jalur 0,421; t 8,013; p 0,000) dan akses pembiayaan (koefisien jalur 0,409; t 7,535; p 0,000) terhadap kinerja UMKM. Keberlanjutan usaha dipengaruhi secara signifikan oleh akses pembiayaan (koefisien jalur 0,393; t 8,570; p 0,000) serta pengelolaan keuangan (koefisien jalur 0,524; t 11,764; p 0,000), dengan nilai R2 sebesar 0,326 untuk kinerja dan 0,397 untuk keberlanjutan. Simpulan utama menegaskan bahwa keberlanjutan bisnis bertumpu pada tata kelola kas terstruktur dan ketersediaan modal.  
Co-Authors A. Renaldi Saputra Abelia Adam Semedhi Permana Ade Rizki Maulana Agus Riswanto Agus Riswanto Ahmad Muhamad Mustain Nasoha Ahyani, Nurul Aini, Qurratul Alparizi, Salman Ami Laelatul Zuhri Amirul Fikri Amrullah Amrullah Amrullah Andani , Ulia Rizki Anggraini, Elya Siska Ashfiya Nur Atqiya Asriati Aulia Malik Aswini Aswini Atisina, Supardi Aulia Aulia, Nanda Rizky Azhari SN Azhari, Sopian Aziz, Hafizatul Azmi, Safira Mufida Badarudin Baiq Dewi Ratnasari Baiq Firda Erfani Baiq Intan Baiq Intan Fuji Baiq Intan Fuji Lestari Baiq Jauziati Baiq Jauziati Baiq Liana Widiyanti Baiq Rismarini Nursaly, Baiq Rismarini Baiq Sofa Baiq Yuliana Rizkiwati Damayanti, Elok Danang Prio Utomo Debi Rohilia Suherly Dedi Riyan Rizaldi Desi Nila Dartika Sari Diana Sari Dukha Yunitasari Dukha Yunitasari Dukha Yunitasari Dzulhijjah, Miftahul Nurul Eka Farida Endang Khairani Eryc Evina Apriyani Fachrurrohman, Rozi Arfin Fadhilla, Nada Farhana Muhammad Farida, Eka Fauzi Annur Fidiawati, Fidiawati Fikriyah, Khusnul Fitra Salami Fitriana Flores Tanjung Gina ilhami Fatin Fatin Gina Mayang SOka Hairul Anam Hairunnisa Hajriana Arfah Hamzah Fansuri Handayani, Surma Hardandrito, Awan Gumilang Hartini Haritani Hartini Hartini Hary Murcahyanto Hary Murcahyanto Hasan Basri Hasan Basri Hasan Basri Hatibul Umam Herman Supriadi Heru Cahyono Husnul Aeni Hayati Husnul Hatimah, Husnul Huzain Jailani Irda Nur Oktafiani Irda Nur Oktafiani Irmayanti Irmayanti Iswari Komalasari Ita Raodatul Fahmi Izza, Faradillah Nurul Jeremy Arif Gonjales Tarigan Jonathan Parker Kautsar, Robith Thoriq Al Khairunnazri Khirjan Nahdi Kholidah, Neneng Rika Jazilztul Kurniasari Kurniasari Laila Wati Laili Atil Far'i Lalu Budi Karyawan Lalu Puji Indra Kharisma Lalu Satriadi Lia Dianti Liza Imrotul Wahyuni Luky Vianika Sari Lutfi Lailatul Hikmah Lutfiah Aila Nada M. Adib Nazri M. Juaini M. Nizomul Asfari M. Saleh Sofyan M. Zani Majid, Muhip Abdul Manshur, Hamim Sirojuddin Al Mardawiah, Mufidatul Mardiana Wilayati Marhamah Marhamah Maryati Bachtiar Masita Urdiani Mini Kurnia Misnawati Misnawati Mispandi Mispandi Mispandi Mispandi Mispandi Mohzana Muh Hilmi Pauzi Muhamad Ali Muhamad Ali Muhamad Juaini Muhamad Juaini Muhammad Adi Junaidi Muhammad Ali Sukran Muhammad Ali Sukran Muhammad Arif Febrian Muhammad Arif Parluhutan Sitompul Muhammad Husni Muhammad Muhyihuddin Abdul Qodir Jailli Muhammad Ramli Muhammad Ramli Muhammad Rapii Muhammad Riswandi Hakim Muhammad Sururuddin Muhammad Syafiq Akmal Muhip Abdul Majid Muhra Damarullah Munandar, Siswoyo Aris Musyaddad Akbar Mutia Havits Silaen Nadia Oktaviani Nasib Neneng Rika Jazilztul Kholidah Nila Rahma Ningsih Nilwan Nilwan, Nilwan Nirmatul Isnaeni Nnamdi Ogbolu, Anthony Novia Widiarti Nurhaini Siregar Nurlaili Nurlaili Nurul Yakin Nurul Yakin Olivia Juniarti Pahrudin Pahrudin Pahrudin Pahrudin Rahadi, Irwan Rahadi, Irwan Rahmawati Ramzi Zainum Ikhsan Ratih Lestari Ratna Permata Sari Raudatul Jannah Rifki Asrori Ririn Novitasari Riska Fitriani Riskya Kasinta Rizal, Ahmad Ashril Rizqi Praimadi Rosalin Rosalin Rohaeniah Zain Safarwadi , Safarwadi Samsul Lutfi Sapariah Sapariah Sapri Sapri Sariatul Aini Saskiya Suci Pebrikasih Septiana Shella Rizqi Arfianti, Shella Rizqi Sholihah, Isfi Silvi Rahmawati Siti Mawaddah Siti Mukarromah Siti Nur Laili Rahmawati Siti Nur Laili Rahmawati Siti Surodiana Siti Zohrah Solihah, Amraini Wahidatus Solihatun Ummah Sopiatun, Sopiatun Subhani, Armin - Sugandi, Yogi Birrul Walid Sukardi Sukardi Sukardi Sukardi Sukran, Muhammad Ali Sumarsono Sumarsono Suparmanto Susilawati Susilawati Syahadati Syahadati Syam, Syukur Syarifah Aulia Syarifah, Aulia Tuhmatul Mardiyah Tuti Wahyuningsih Ummah, Solihatun Uska, Muhammad Zamroni Usuluddin, Usuluddin Wanda Desta Arlina Widiya Selfiyana Wijaya, Lalau Hendra Wildan Wildan Wildan Yogi Birrul Walid Sugandi Yogi Rahmadi Putra Yul Alfiandi Hadi Yuliana Yuliana Yuni Amalia Prihatin Yuni Artika Yuni Intan Sari Zain, Rohaeniyah Zaini, Muhamad Zaitun Zaitun Zaitun Zaitun Ziadatul Fatimah Zilatul Ariani Zulkifli Zuriyati Paziah