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p-Index From 2021 - 2026
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This Author published in this journals
All Journal Accounting Profession Journal (APAJI) International Journal of Digital Entrepreneurship and Business (IDEB)
Yuyun Suade
Sekolah Tinggi Ilmu Ekonomi Ciputra Makassar
Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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EMPOWERING STRATEGIC DIGITAL BUSINESS DECISIONS THROUGH TAX KNOWLEDGE, DIGITAL FINANCIAL LITERACY, AND HUMAN CAPITAL READINESS Yuyun Suade; Novieanty Pagiling; Bellatrix Kezia Debora Mambu; Harmina; Lidwina Romauli Sinaga
Accounting Profession Journal (APAJI) Vol. 8 No. 2 (2026): Accounting Profession Journal (APAJI)
Publisher : Program Studi Akuntansi Fakultas Ekonomi dan Bisnis Universitas Kristen Indonesia Paulus

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Penelitian ini bertujuan menganalisis pengaruh Digital Financial Literacy, Tax Knowledge, dan Human Capital Readiness terhadap Strategic Digital Business Decision pada UMKM di Indonesia. Penelitian menggunakan pendekatan kuantitatif eksplanatori dengan melibatkan 157 pelaku UMKM yang dianalisis menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa Digital Financial Literacy dan Tax Knowledge tidak berpengaruh signifikan terhadap Strategic Digital Business Decision. Sebaliknya, Human Capital Readiness berpengaruh positif dan signifikan. Temuan ini menegaskan bahwa kesiapan sumber daya manusia merupakan faktor utama dalam mendukung pengambilan keputusan bisnis digital yang strategis pada UMKM.
Building Financial Well-Being in the Digital Era: The Interplay of Digital Financial Literacy, Financial Behavior, and Financial Socialization Khadijah Raihana Putri Nufrianto; Yuyun Suade; Powell Gian Hartono; Erwin Erwin; Novika Ayu Triany
International Journal of Digital Entrepreneurship and Business Vol 6 No 2 (2025): International Journal of Digital Entrepreneurship and Business (IDEB)
Publisher : Universitas Jakarta Internasional

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The rapid expansion of digital financial services has transformed the way individuals manage their personal finances, particularly among productive-age populations who actively engage with financial technology. While digital financial inclusion continues to increase in Indonesia, disparities between financial access and financial literacy remain a significant challenge, potentially affecting individuals' financial well-being. This study aims to examine the influence of digital financial literacy, financial behavior, and financial socialization on the financial well-being of Indonesia's productive-age population. A quantitative research design was employed using a structured online questionnaire distributed to individuals aged within the productive workforce who had at least two years of work experience and had used digital financial services. The collected data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The findings indicate that digital financial literacy, financial behavior, and financial socialization each have a positive and significant effect on financial well-being. Individuals with stronger digital financial competencies, healthier financial behaviors, and greater exposure to financial socialization demonstrate higher levels of financial well-being. These findings highlight the importance of integrating financial education, behavioral development, and social influences to improve financial well-being in the digital era. The study contributes to the behavioral finance literature by providing empirical evidence from Indonesia's productive-age population and offers practical implications for policymakers, financial institutions, and financial education providers in designing programs that strengthen digital financial capability and sustainable financial well-being.
Co-Authors Bellatrix Kezia Debora Mambu Erwin Parega Harmina Khadijah Raihana Putri Nufrianto Lidwina Romauli Sinaga Novika Ayu Triany Pagiling, Novieanty Powell Gian Hartono