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All Journal International Journal of Management Science and Information Technology (IJMSIT) International Journal of Entrepreneurship, Business, and Creative Economy
Abdul Mukti Soma
Universitas Teknologi Muhammadiyah Jakarta
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Can Digital Orientation Assist Digital Marketing and E-Payments Perform Better for MSME Performance in Indonesia? Oki Sudrajat; Lela Nurlaela Wati; Abdul Mukti Soma
International Journal of Entrepreneurship, Business, and Creative Economy Vol. 4 No. 2 (2024): July
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/ijebce.v4i2.2032

Abstract

Rapid development in the perfume industry has been accompanied by accelerated digitalization, which was unexpected by most Micro, Small and Medium Enterprises (MSMEs). Many MSMEs in this sector experience problems with access and knowledge of digital technology, especially in digital marketing and e-payment. Most MSME players are still learning and are slow to adopt digitalization in their perfume business. This research aims to analyze the influence of digital marketing, e-payment and digital orientation on the performance of perfume MSMEs in West Java Province. A sample of 100 respondents, company owners or managers, was selected using stratified sampling. Data analysis uses Structural Equation Modeling (SEM) and Moderated Regression Analysis (MRA). The results show that digital marketing and digital orientation have a positive and significant effect on MSME performance, while e-payment does not have a significant effect. Digital orientation also negatively and insignificantly moderates the influence of digital marketing and e-payment on MSME performance. Perfume MSMEs are advised to consider the role of digital orientation and optimize digital marketing strategies to improve their business performance.
The Influence of Digital Financial Services, Social Media, and Buy Now Pay Later on Over-Indebtedness with Financial Literacy as a Moderating Variable Helma Yuliyana; Abdul Mukti Soma
International Journal of Management Science and Information Technology Vol. 6 No. 2 (2026): July - December 2026
Publisher : Lembaga Komunitas Informasi Teknologi Aceh (KITA), Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/ijmsit.v6i2.7748

Abstract

This study investigates the impact of digital financial services and financial literacy on the issue of over-indebtedness among Millennials and Generation Z in Jakarta. Utilizing a quantitative approach with a causal design, data were gathered from 254 participants through questionnaires and analyzed using Partial Least Square Structural Equation Modeling (PLS-SEM). Findings reveal that both digital financial services and financial literacy significantly influence over-indebtedness. Notably, higher levels of over-indebtedness correspond to more effective debt management and reduced financial distress. This suggests that leveraging digital financial services, alongside enhanced financial literacy, fosters improved financial stability in younger demographics. In contrast, social media and Buy Now Pay Later options did not demonstrate significant effects, and financial literacy did not serve as a moderating factor in the examined relationships. This research enriches the understanding of youth financial behavior within the digital economy and offers actionable insights for promoting financial literacy and risk management strategies aimed at sustaining financial well-being among Millennials and Generation Z.
Co-Authors Helma Yuliyana Oki Sudrajat Wati, Lela Nurlaela