Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Al-Buhuts (e-journal)
Mohammad Ali Arifin
Universitas Terbuka
Economics, Econometrics & Finance

Published : 1 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 1 Documents
Search

 1 
Pengaruh Literasi Digital Terhadap Kinerja Debitur Pembiayaan Ultra Mikro Melalui Kemampuan Manajerial di Kabupaten Mamuju Mohammad Ali Arifin; Daru Asih; Syahrinullah Syahrinullah
Al-Buhuts Vol. 22 No. 1 (2026): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v22i1.7699

Abstract

This study aims to examine the effect of digital literacy on the performance of Ultra-Micro Financing (UMi) debtors through managerial capability in Mamuju Regency. The research employed a quantitative method with a confirmatory survey approach. The sample consisted of 337 active UMi debtors in Mamuju Regency, selected using purposive sampling based on criteria of utilizing digital transactions and having received business assistance. Primary data were collected through structured questionnaires using a Likert scale and analyzed using PLS-SEM. The results indicate that digital literacy has a positive and significant effect on managerial capability, and also influences debtor performance both directly and indirectly through managerial capability. Debtors with higher levels of digital literacy demonstrate better abilities in business planning, financial management, marketing strategies, and decision-making, which contribute to improved business outcomes.The novelty of this study lies in highlighting the mediating role of managerial capability in strengthening the relationship between digital literacy and debtor performance within the context of ultra-micro financing, particularly in regions experiencing declining financing distribution.
Co-Authors Daru Asih Syahrinullah Syahrinullah