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Pengaruh Literasi Keuangan Terhadap Penggunaan Tabungan Mobile Money Emi Boki; Sari Tamayani Tjio
Journal of Accounting, Economics, and Business Education Vol. 4 No. 1 (2026): JAEBE, Mei 2026
Publisher : Program Studi Pendidikan Akuntansi, Fakultas Ekonomi, Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62794/8hz23x39

Abstract

In Indonesia, especially Maluku, mobile money services are rapidly changing financial inclusion. However, the consistent use of the platform for savings is still limited among micro, small and medium enterprises (MSMEs). This study investigated the role of financial literacy and perceived ease of use in shaping mobile money usage behavior, focusing on the mediating influence of perceived ease of use (PEOU). These findings reveal that financial literacy, and perceived ease of use all have a significant and statistically positive influence on the use of mobile money savings. In addition, PEOU significantly mediates financial literacy in the use of mobile money savings This study is one of the first to holistically examine how financial literacy through ease of use influences mobile money savings behavior among MSMEs. This study contributes as a literature on financial behavior and informs the use of savings for a population that has income from the results of daily business
PENGUATAN JIWA KEWIRAUSAHAAN DAN LITERASI AKUNTANSI UMKM PADA GURU DAN PEGAWAI SMP NEGERI 7 MALUKU TENGAH Senda Yunita Leatemia; Emi Boki; Sari Tamayani Tjio; Zahra; Yana Mustika
Jurnal Pengabdian Masyarakat Sabangka Vol 5 No 03 (2026): Jurnal Pengabdian Masyarakat Sabangka
Publisher : Pusat Studi Ekonomi, Publikasi Ilmiah dan Pengembangan SDM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62668/sabangka.v5i03.2364

Abstract

In its development, the cultivation of entrepreneurial values is not only among entrepreneurs and the business world, but has also penetrated into the world of education. Entrepreneurship in education aims to make humans holistically, as human beings who have character, understanding, and skills as entrepreneurs. The problem related to the service carried out is whether teachers and school employees have an entrepreneurial spirit and understand the financial recording of the business being carried out. The purpose of this service is to obtain an overview of how to foster the spirit of entrepreneurship for teachers and school employees. The method of achieving this service goal is in the following stages (1) preliminary study (literature and field observation); (2) problem identification; (3) problem formulation; (4) determination of service goals; (5) socialization; (6) interviews; (7) analysis of service results; and (8) conclusions and suggestions.