Rahmita Budiarti Ningsih
Universitas Riau

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

Found 2 Documents
Search

Analysis of Financial Inclusion and Sustainability of Women's MSMEs Putri Asrina; Rahmita Budiarti Ningsih; Anthony Mayes; Indri Yovita
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i4.8439

Abstract

The existence of women-owned MSMEs makes a significant contribution to improving the local economy and community welfare. However, in managing MSMEs, women entrepreneurs also face challenges in supporting business sustainability, both internal and external challenges. This study aims to analyze the relationship between financial inclusion and the sustainability of micro, small, and medium enterprises (MSMEs) managed by women in Pekanbaru City. This research was conducted using a quantitative approach by providing questionnaires to respondents. The sampling technique used purposive sampling. The data analysis technique used was Partial Least Square (PLS). The test results show that digital literacy has a direct influence on financial inclusion, while government support, financial literacy, and education have a direct influence on the sustainability of women's MSMEs in Pekanbaru City. Furthermore, it was also found that there was no indirect influence moderated by the financial inclusion variable. So financial inclusion is not a variable that is able to connect financial literacy, digital literacy, education and government support for the sustainability of women's MSMEs in Pekanbaru City.
Assessing Economic Resilience of Wetland Villages as a Foundation for Rural Investment: An Index-Based Study in Bengkalis Regency, Indonesia Taryono; Lapeti Sari; Rahmita Budiarti Ningsih; Khusnul Fikri; Lailan Tawila Berampu
Journal of Economics, Entrepreneurship, Management Business and Accounting Vol 4 No 4 (2026): Volume 4, Issue 4, July 2026
Publisher : CV. Sakura Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61255/jeemba.v4i4.1233

Abstract

Purpose – This study analyzes the economic resilience of wetland villages as a basis for promoting rural investment in Siak Kecil Subdistrict, Bengkalis Regency, Indonesia. The study focuses on the importance of aligning rural investment strategies with local strengths and wetland ecosystem characteristics to support sustainable development. Design/methodology/approach – Economic resilience is measured using indicators such as production diversity, access to basic economic infrastructure, presence of local financial institutions, and regional accessibility. A scoring method (0–5) is applied, and the results are compiled into an Economic Resilience Index (ERI) ranging from 0 to 1. Findings/Results – Applying a 12-indicator ERI framework across 17 wetland villages, the findings reveal that production diversity is high and nearly uniform across villages, so that differences in overall resilience are driven mainly by credit access, market/retail infrastructure, and regional accessibility. Using a mean ± 0.5 SD classification rule, four villages (Lubuk Muda, ERI = 1.00; Sungai Nibung, 0.9167; Sungai Siput, 0.90; Sungai Linau, 0.8833) fall into the High resilience category, seven fall into the Medium category, and six villages (including Lubuk Garam, the lowest at 0.65) fall into the Low category, with credit facility access and public transportation identified as the main constraints separating lower- from higher-tier villages. Originality/Value – This study contributes a transparent, rule-based 12-indicator Economic Resilience Index (ERI) for Southeast Asian wetland village contexts, where village-level investment readiness remains undermeasured relative to social- or ecological-resilience approaches; full replicability and objectivity of the index depend on continued validation and reporting of the underlying scoring rules and raw indicator data. By combining IDM secondary data (2024) with field-verified primary data across all 17 villages of a wetland sub-district and applying a transparent, rule-based classification of resilience tiers, the study offers a planning foundation rather than a direct measurement of investment outcomes; improving infrastructure, strengthening local institutions, and expanding financing access are identified as the priority levers for inclusive and sustainable rural development in Riau's coastal wetland areas.