Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
P-Index
This Author published in this journals
All Journal Journal of Business and Behavioural Entrepreneurship International Journal of Management Research and Economics
Goklas Siahaan
Universitas Siber Asia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Financial Literacy and Digital Access as Key Factors in the Success of Women-Owned MSMEs Silvana Syah; Goklas Siahaan
Journal of Business and Behavioural Entrepreneurship Vol. 9 No. 2 (2025): Journal of Business and Behavioural Entrepreneurship
Publisher : Fakultas Ekonomi, Universitas Negeri Jakarta, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/JOBBE.009.2.03

Abstract

The purpose of this study is to analyze the influence of financial literacy and digital access on the success of women-led Micro, Small, and Medium Enterprises (MSMEs) in Depok City, Indonesia. The research method used is a quantitative approach with an explanatory research design, involving respondents who met the inclusion criteria. Data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS. Financial literacy was measured through indicators related to basic financial knowledge, budgeting practices, record-keeping, loan management, and the use of digital financial products. Digital access was assessed through ownership of digital devices, the use of online platforms for marketing, the adoption of digital financial applications, participation in technology-related training, and the availability of stable internet connectivity. The results of the study show that both financial literacy and digital access have strong and significant positive effects on the success of women-led MSMEs, as reflected in a substantial proportion of variance explained. These findings support Human Capital Theory, the Resource-Based View, the Diffusion of Innovation Theory, and the Dynamic Capabilities Theory, emphasizing the importance of knowledge, skills, and technological adaptability in achieving sustainable competitive advantage. The results highlight the need for integrated empowerment programs that combine financial and digital literacy, strengthened digital infrastructure, and inclusive access to capital to enhance the competitiveness and resilience of women-led MSMEs in Indonesia.
How Financial Literacy Enhances Financial Well-Being Among Generation Z: The Mediating Roles of Self-Efficacy and Locus of Control Silvana Syah; Wahyu Purbo Santoso; Pustika Ayuning Puri; Goklas Siahaan; Annisa Dhamayanty
International Journal of Management Research and Economics Vol. 4 No. 3 (2026): August : International Journal of Management Research and Economics
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/ijmre-itb.v4i3.4695

Abstract

Generation Z in Bekasi City faced challenges in personal financial management due to a consumptive lifestyle and easy access to financial technology, which could lead to financial instability if not balanced with adequate financial literacy and self-control. This study aimed to analyze the effect of financial literacy on personal financial management among Generation Z, with locus of control and self-efficacy as mediating variables. The research used a quantitative approach with the Structural Equation Modeling Partial Least Squares (SEM-PLS) method on Generation Z respondents in Bekasi City. The results showed that financial literacy had a significant effect on personal financial management, as well as on locus of control and self-efficacy. Self-efficacy had a significant effect on personal financial management and acted as the main mediating variable, while locus of control did not show a significant direct effect but still contributed to the mediation pathway. These findings confirmed that financial literacy was a dominant factor in shaping personal financial management behavior, with self-efficacy serving as a key reinforcement in improving financial decision-making among Generation Z. The implications of this study supported the importance of strengthening financial literacy and financial confidence in financial education programs for young people.
Co-Authors Annisa Dhamayanty Pustika Ayuning Puri Silvana Syah Wahyu Purbo Santoso