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All Journal JURDIASRA Al-Infaq : Jurnal Ekonomi Islam
Gilang Ganjar Amrih
Swiss German University
Humanities Economics, Econometrics & Finance Education Mathematics Other

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DEVELOPMENT OF A DIGITAL SHARIA FINANCIAL READINESS MODEL TO IMPROVE THE PERFORMANCE OF MSMES USING SEM-PLS Gilang Ganjar Amrih; Dadang Romansyah; Zaldy Suhatman; Donny Indradi; Sev Rahmiyanti
Al-Infaq Jurnal Ekonomi Islam Vol. 17 No. 1 (2026): June 2026
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v17i1.2860

Abstract

The expansion of digital technologies has transformed the Islamic financial landscape and generated new opportunities for Micro, Small, and Medium Enterprises (MSMEs) to strengthen operational effectiveness, improve access to financial resources, and enhance business sustainability. Although a wide range of Islamic digital financial services are currently available, their successful utilization largely depends on the preparedness of MSME actors to engage with digital financial systems. This study proposes a Digital Sharia Financial Readiness model by integrating Islamic financial literacy and Islamic fintech literacy as determinants of MSME performance. A quantitative research approach was adopted, and the conceptual model was developed through a synthesis of twenty-eight prior studies focusing on Islamic finance, Islamic fintech, financial inclusion, digital transformation, and MSME development. The proposed framework identifies Islamic financial literacy and Islamic fintech literacy as antecedent variables, Digital Sharia Financial Readiness as a mediating construct, and MSME performance as the outcome variable. The findings indicate that both literacy dimensions contribute to the enhancement of digital readiness, which subsequently supports improved business performance. Furthermore, digital readiness serves as a mechanism through which literacy competencies are translated into organizational outcomes. The study emphasizes the strategic role of digital readiness in facilitating the adoption of Islamic financial technologies and supporting sustainable MSME growth in the digital era.
Manajemen Keuangan Bisnis Untuk Meningkatkan Potensi Profit UMKM Sev Rahmiyanti; Fiorenza Rafa Talitha Sevandra; Achmad Rifai; Rizal Zulkarnain; Gilang Ganjar Amrih; Dwi Fitri Ningsih; Achmad Fauzi; Frida Tri Meidina
Jurnal Abdi Masyarakat Nusantara Vol. 4 No. 1 (2026): Jurnal Abdi Masyarakat Nusantara (JURDIASRA), Januari - Juni 2026
Publisher : Ikatan Cendekiawan Muda Akuntansi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61754/jurdiasra.v4i1.164

Abstract

Financial management of business is a crucial factor in ensuring business continuity and sustainability, particularly for micro and small enterprises that often face limited resources. Financial management involves not only capital planning, cash flow control, expenditure management, and transaction recording, but also requires discipline and courage in conducting supervision to balance business needs with household demands. This study aims to explain the concept of business financial management through three main stages, namely planning, implementation, and control, as well as to analyze the strategic benefits of financial recording and monitoring for business sustainability. The method employed is a literature review and conceptual descriptive analysis based on the theoretical framework of financial management for small businesses. The results indicate that disciplined financial recording provides accurate information about business conditions, prevents bankruptcy, maintains continuity, and supports the improvement of family welfare. Thus, structured financial management plays a pivotal role not only in sustaining business operations but also in building a foundation for healthy, secure, and sustainable business growth.
Co-Authors Achmad Fauzi Achmad Rifai Dadang Romansyah Donny Indradi Dwi Fitri Ningsih Fiorenza Rafa Talitha Sevandra Frida Tri Meidina Rizal Zulkarnain Sev Rahmiyanti Zaldy Suhatman