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All Journal (JUMPER) MAXIMAL IJHABS META - JOURNAL Fundamental and Applied Management Journal
Andi Mustika Amin
Universitas Negeri Makassar, Indonesia
Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences

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From Knowledge Sharing to Green Business Models: Financial Literacy as a Mediator in Makassar Women-Owned Culinary MSMEs Andi Mustika Amin; A Nursyamsi Amin
Fundamental and Applied Management Journal Vol. 4 No. 2 (2026): Fundamental and Applied Management Journal
Publisher : Global Research Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66314/famj.v4i2.835

Abstract

Women-owned culinary Micro, Small, and Medium Enterprises (MSMEs) in Makassar City play an important role in local economic growth, women’s entrepreneurship, and the transition toward low-carbon urban development. However, the adoption of green business models in this sector remains challenging because environmentally oriented practices often require financial capability, managerial readiness, and practical knowledge. This study aims to examine the effect of women’s knowledge sharing on green business model adoption, with financial literacy as a mediating variable. A quantitative explanatory design was applied using a cross-sectional survey of 250 women owners or main managers of culinary MSMEs in Makassar City. Respondents were selected through purposive sampling based on business role, length of operation, and involvement in business interaction networks. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings show that women’s knowledge sharing has a positive and significant effect on financial literacy, while financial literacy has a positive and significant effect on green business model adoption. However, the direct effect of women’s knowledge sharing on green business model adoption is not significant. The mediation test confirms that financial literacy fully mediates the relationship between women’s knowledge sharing and green business model adoption. These findings indicate that social and digital knowledge-sharing networks can support green business transformation when the shared knowledge is translated into financial capability. The study contributes to the literature on women’s entrepreneurship, knowledge sharing, financial literacy, and sustainable business models by demonstrating the central role of financial literacy in connecting social learning with green business decisions.
Literasi Keuangan dan Lifestyle inflation di kalangan Pegawai Perkotaan di Indonesia: Sebuah Studi Fenomenologis Andi Mustika Amin
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 3 No 5 (2026): Juni
Publisher : Maximal Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya dan Pendidikan

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Abstract

Peningkatan pendapatan akibat promosi jabatan dan perkembangan karier seharusnya mendorong akumulasi tabungan dan kesejahteraan finansial. Namun, banyak karyawan urban di Indonesia justru mengalami lifestyle inflation, yaitu peningkatan konsumsi yang sejalan dengan kenaikan pendapatan. Fenomena ini penting dikaji karena dapat menghambat pembentukan aset dan ketahanan finansial jangka panjang. Meskipun hubungan antara pendapatan dan literasi keuangan telah banyak diteliti secara kuantitatif, masih terbatas penelitian yang mengeksplorasi pengalaman subjektif pekerja urban dalam menghadapi peningkatan pendapatan dan tekanan gaya hidup. Penelitian ini bertujuan untuk memahami hubungan antara literasi keuangan dan lifestyle inflation pada karyawan urban di Indonesia. Penelitian menggunakan pendekatan kualitatif dengan desain fenomenologi. Data dikumpulkan melalui wawancara mendalam semi-terstruktur terhadap 18 karyawan berusia 22–35 tahun di Jakarta dan Makassar yang telah menerima kenaikan gaji atau promosi dalam dua tahun terakhir. Analisis data dilakukan menggunakan Reflexive Thematic Analysis. Hasil penelitian mengidentifikasi empat tema utama, yaitu perbandingan sosial, peningkatan pengeluaran, kesadaran finansial, dan kesulitan menabung. Temuan menunjukkan bahwa budaya gengsi, pengaruh media sosial, kemudahan akses teknologi finansial, serta tuntutan keluarga dan budaya berkontribusi terhadap peningkatan konsumsi setelah kenaikan pendapatan. Selain itu, meskipun partisipan memiliki pemahaman dasar mengenai pengelolaan keuangan, mereka masih mengalami kesulitan menerapkan perilaku finansial yang disiplin. Penelitian ini menyimpulkan bahwa lifestyle inflation merupakan fenomena multidimensional yang dipengaruhi oleh interaksi antara literasi keuangan, faktor perilaku, teknologi digital, dan konteks sosial budaya. Oleh karena itu, diperlukan penguatan literasi keuangan berbasis perilaku untuk meningkatkan kesejahteraan finansial pekerja urban.
Digital Payment and Impulsive Spending Behavior: A Phenomenological Study Andi Mustika Amin
Journal Management & Economics Review (JUMPER) Vol. 3 No. 10. 1 (2026): Special Issue: Call For Paper JUMPER
Publisher : Malaqbi Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/jumper.v3i10. 1.803

Abstract

The proliferation of digital payment systems, including electronic wallets (e-wallets) and the Quick Response Code Indonesian Standard (QRIS), has fundamentally altered the transactional landscape in Indonesia. While these technologies offer unprecedented convenience, emerging evidence suggests that the abstraction of physical currency may attenuate the psychological barriers that traditionally regulate discretionary spending. This phenomenological study investigated the lived experiences of active digital payment users in Indonesia to understand how frictionless transaction modalities influence impulsive spending behavior. Through in-depth, semi-structured interviews with 15 purposively selected participants, this study employed a thematic analysis approach informed by phenomenological principles. Four superordinate themes emerged: (1) frictionless payment, characterizing the seamless, low-effort transactional experience; (2) spending convenience, reflecting the ubiquity and temporal accessibility of digital payment infrastructure; (3) impulsive purchasing, capturing the propensity toward unplanned, stimulus-driven acquisition; and (4) reduced spending awareness, describing the diminished salience of monetary outflow in the absence of tangible currency. These findings corroborate Soman’s (2001) theoretical framework regarding the role of rehearsal and payment immediacy in moderating spending behavior. The abstraction inherent in e-wallet and QRIS transactions reduces the "pain of paying" (Prelec & Loewenstein, 1998), thereby increasing vulnerability to impulsive consumption. This study contributes to the qualitative consumer behavior literature by providing an emic, experiential account of digital payment adoption in an emerging market context and offers practical implications for financial literacy interventions and regulatory policy.
Informal Financial Practices and Entrepreneurial Growth: A Qualitative Study of Small Business Owners in Makassar, Indonesia Andi Mustika Amin
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 3 No 5 (2026): June
Publisher : Abadi Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/meta-journal.v3i5.447

Abstract

This qualitative study investigates how informal financial practices shape the growth trajectories of micro and small enterprises in Makassar, Indonesia. Drawing on six months of ethnographic fieldwork, including participant observation and semi-structured interviews with 18 small business owners, the research examines three predominant forms of informal finance: rotating savings and credit associations (arisan), financing sourced from family and kinship networks, and the conduct of business through undocumented cash transactions. The Results reveal that these practices are not passive responses to exclusion from the formal financial sector but rather active, culturally grounded strategies that confer social agency, build economic resilience, and fulfill fundamental needs for belonging and security. Theoretically, the study contributes to the literature on the informal economy, behavioral finance, and social capital theory by demonstrating how trust, reciprocity, and community norms function as genuine economic infrastructure in contexts where formal institutions are either inaccessible or mistrusted. At the same time, the research identifies significant constraints embedded within these informal systems, particularly their tendency to limit business scalability, impede formalization, and reinforce existing social hierarchies. A comparative analysis situates Makassar within a broader Southeast Asian urban context alongside Jakarta, Manila, and Bangkok, revealing both shared drivers of informality and city-specific cultural adaptations. The study argues that effective financial inclusion strategies must engage with, rather than displace, existing social structures, and that policies designed to bridge formal and informal finance must be culturally sensitive and locally grounded.
Relational Capital in the Shadow Economy: A Qualitative Ethnographic Inquiry into Informal Financial Practices Among Small Business Owners in Makassar, Indonesia Andi Mustika Amin
International Humanity Advance, Business & Sciences Vol 3 No 4 (2026): April
Publisher : PT Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/ijhabs.v3i4.805

Abstract

MSMEs play a vital role in Southeast Asia’s economy, yet many still rely on informal financial systems. Despite growing interest in MSME development, limited studies explore how informal finance operates within local cultural contexts in Eastern Indonesia. This study investigates informal financial practices among small business owners in Makassar, Indonesia, focusing on arisan, kinship-based lending, and undocumented cash transactions. Using a qualitative ethnographic approach, data were collected through participant observation and in-depth interviews with 18 entrepreneurs over six months. The findings show that informal finance functions as a culturally embedded system based on trust, social solidarity, and flexibility, helping entrepreneurs access capital and manage uncertainty. However, these practices also create limitations for business scalability, financial transparency, and long-term growth. The study concludes that informal finance is not merely a sign of institutional weakness, but a socially adaptive economic mechanism that should be considered in developing inclusive financial policies for MSMEs.
Co-Authors A Nursyamsi Amin