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All Journal Jejak digital: Jurnal Ilmiah Multidisiplin Prosperia: Journal of Economic Development, Accounting, and Global Markets
Nur Aziza
Institut Agama Islam Negeri Bone
Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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Transformasi Pengelolaan Keuangan UMKM Melalui Akuntansi Syariah Berbasis Digital yang Transparan Nur Aziza; Sitti Hardianti; Ade Meilisyah; Masyhuri Masyhuri
Jejak digital: Jurnal Ilmiah Multidisiplin Vol. 2 No. 4 (2026): JUNI-JULI
Publisher : INDO PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/r4tctx54

Abstract

Digital transformation has become an important strategy in improving the competitiveness and sustainability of Micro, Small, and Medium Enterprises (MSMEs) in the Industrial Revolution 4.0 era. The use of digital technology can increase efficiency, productivity, innovation, and expand market access. However, the implementation of digitalization in Indonesian MSMEs still faces several challenges, such as low digital literacy, limited capital, lack of competent human resources, and weak technological infrastructure.This study aims to examine the importance of digital transformation in MSME financial management based on transparency and accountability. Digital financial management helps make recording and reporting processes more effective, transparent, and accessible, thereby increasing customer and business partner trust. In addition, digital systems also support faster and more accurate business decision- making.The results show that digital transformation can improve operational efficiency and create transparent, accountable, and competitive financial governance for MSMEs. Therefore, government support, increased digital literacy, and stronger technological infrastructure are needed to accelerate MSME digitalization in Indonesia.
The Effect of Islamic Financial Literacy on The Interest in Saving at Islamic Banks Nur Aziza; Amel Deswanda
Prosperia: Journal of Economic Development, Accounting, and Global Markets Vol. 1 No. 2 (2026): : May: Prosperia: Journal of Economic Development, Accounting, and Global Marke
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/tmsk9f70

Abstract

This study examines the empirical effect of Islamic financial literacy on the public interest in saving at Islamic banks within a dual financial system. Utilizing an explanatory quantitative approach and a cross sectional survey design, primary data were gathered through highly structured closed ended questionnaires distributed via purposive sampling to the retail banking consumer market in Indonesia. The primary data underwent classical econometric diagnostics and simple linear regression parameter evaluation. The statistical results reveal that Islamic financial literacy exerts a significant positive influence on saving interest, confirming that cognitive determinants act as structural drivers of behavioral intentions. The empirical model explains more than one third of the total variance in consumer saving interest, validating the fundamental tenets of the Theory of Planned Behavior. These findings address historical research gaps and provide strategic insights for resolving national market anomalies, such as the gap between high sharia literacy levels and low operational inclusion indices. Regulatory bodies and Islamic commercial banking institutions should prioritize structured educational frameworks and digital marketing outreach to optimize asset growth and secure a broader national market share.
Co-Authors Ade Meilisyah Amel Deswanda masyhuri masyhuri Sitti Hardianti