Article Per Year (5 Year)
p-Index From 2021 - 2026
0.23
P-Index
This Author published in this journals
All Journal Tasyri' : Jurnal Muamalah dan Ekonomi Syariah
Fitri IndahSari
Sekolah Tinggi Ilmu Ekonomi YPUP Makassar, Indonesia
Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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

Found 1 Documents
Search

 1 
The Impact of Financial Literacy and Financial Behavior on Financial Resilience through Digitalization Astuty Hasti; Fitri IndahSari
Tasyri' : Jurnal Muamalah dan Ekonomi Syariah Vol. 8 No. 2 (2026): TASYRI’: Jurnal Muamalah dan Ekonomi Syari’ah
Publisher : Fakultas Hukum dan Ekonomi Syariah Institut Agama Islam Pangeran Dharma Kusuma Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55656/tjmes.v8i2.656

Abstract

This study aims to analyze the effect of financial literacy and financial behavior on financial resilience with digitalization as a mediating variable. The study was conducted among MSME operators in Makassar City using a quantitative approach with an explanatory research design. Purposive sampling was employed with a total of 200 respondents. Data were collected through Likert-scale questionnaires and analyzed using Partial Least Squares-based Structural Equation Modeling (PLS-SEM) with SmartPLS software. The results indicate that financial literacy has no significant direct effect on financial resilience, but exerts a positive and significant effect on digitalization. Financial behavior is proven to have a positive and significant effect on both financial resilience and digitalization. Digitalization emerged as the variable with the largest direct effect on financial resilience. Mediation analysis reveals that digitalization fully mediates the effect of financial literacy on financial resilience and partially mediates the effect of financial behavior on financial resilience. The R-square value of 0.715 indicates strong explanatory power of the model. This study confirms that enhancing financial resilience must be pursued holistically through strengthening financial literacy, fostering positive financial behavior, and accelerating the adoption of digital financial technology in a synergistic manner.
Co-Authors Astuty Hasti