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All Journal Jurnal Manajemen dan Profesional Journal of Sharia Economy and Islamic Tourism
Nur Elif
Institut Teknologi dan Bisnis Asia Malang
Economics, Econometrics & Finance

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Pengaruh Literasi Keuangan Digital dan Risiko Siber terhadap Keberlanjutan UMKM di Kota X Nur Elif; Ratna Putri Nilasari; Reza Ramadhania
Journal of Sharia Economy and Islamic Tourism Vol 6, No 1 (2025): September
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jseit.v6i1.35541

Abstract

Abstract: MSMEs play a strategic role in the local and national economy, but in the digital era they face challenges of digital financial literacy and cyber risks that can threaten business sustainability. This study aims to analyze the effect of digital financial literacy and cyber risks on the sustainability of MSMEs in City X. The research method used is a quantitative approach with a survey technique through questionnaires distributed to 60 MSME actors, and the data was analyzed using multiple linear regression. The results show that both digital financial literacy and cyber risks have a positive and significant effect on the sustainability of MSMEs, with cyber risks making a more dominant contribution. These findings indicate that mastery of financial technology and readiness to face digital threats are key factors in maintaining and developing businesses. The practical implications of this study are the importance of integrated policies and training programs that combine digital financial education and cyber security for MSME players.Abstrak: UMKM memiliki peran strategis dalam perekonomian lokal dan nasional, namun di era digital mereka menghadapi tantangan literasi keuangan digital dan risiko siber yang dapat mengancam keberlanjutan usaha. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan digital dan risiko siber terhadap keberlanjutan UMKM di Kota X. Metode penelitian yang digunakan adalah pendekatan kuantitatif dengan teknik survei melalui kuesioner yang disebarkan kepada 60 pelaku UMKM, dan data dianalisis menggunakan regresi linear berganda. Hasil penelitian menunjukkan bahwa baik literasi keuangan digital maupun risiko siber berpengaruh positif dan signifikan terhadap keberlanjutan UMKM, dengan risiko siber memberikan kontribusi yang lebih dominan. Temuan ini menunjukkan bahwa penguasaan teknologi finansial dan kesiapan menghadapi ancaman digital merupakan faktor kunci dalam mempertahankan dan mengembangkan usaha. Implikasi praktis dari studi ini adalah pentingnya kebijakan dan program pelatihan terpadu yang menggabungkan edukasi keuangan digital dan keamanan siber bagi pelaku UMKM.
The Role of Employer Branding in Attracting Top Talent in the Industry 5.0 Era Vivia Maya Rafica; Nur Elif
Jurnal Manajemen dan Profesional Vol. 7 No. 2 (2026): Jurnal Jpro
Publisher : Program Studi Manajemen Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32815/jpro.v7i2.3012

Abstract

The rapid transformation of the business world under Industry 5.0 is pushing companies toward more responsive, value-based human resource management. Employer branding, the strategy organizations use to build a positive image as an ideal workplace, is gaining increasing attention as a way to attract and retain top talent. This paper explores its role in attracting Millennials and Gen Z, strengthening employee loyalty, and building competitive advantage, based on a qualitative-descriptive review of primary literature from the last seven years. The results show that successful employer branding emphasizes the Employee Value Proposition (EVP), integrates digital technology and social media, and prioritizes values such as sustainability and work-life balance, while also identifying strategic challenges and managerial implications for the Industry 5.0 era.
Co-Authors Ratna Putri Nilasari Reza Ramadhania Vivia Maya Rafica