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All Journal International Journal of Nusantara Islam International Journal of Nusantara Islam
Dani Setiawan
Universitas Padjadjaran, Bandung
Religion Arts Humanities Social Sciences

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Sharia, Digital, and Financial Literacy in Action: Transforming Social Capital and Digital Finance into Micro-Enterprise Well-Being through Financial Behavior Dani Setiawan; Sulaeman Rahman Nidar; Cupian Cupian
International Journal of Nusantara Islam Vol 14 No 2 (2026): International Journal of Nusantara Islam
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ijni.v14i2.57252

Abstract

The Indonesian digital economy has encouraged micro-business owners' use of Digital Financial Services (DFS). These services have been widely adopted, but these actors' financial behavior (FB) and well-being (FWB) have not improved. This study analyzes how DFS and SC affect FWB directly and indirectly FB. Financial Literacy (FL), Sharia Financial Literacy (SFL), and Digital Financial Literacy (DFL) moderate the link between DFS and SC with FB. The quantitative survey study targets 300 West Java micro-entrepreneurs. Data was obtained using structured questionnaires and analyzed using SEM-PLS.  Both DFS and SC positively and dramatically affect FB and FWB. FB also boosts FWB and mediates DFS–FWB and SC–FWB interactions. Moreover, FL, SFL, and DFL amplify the impact of DFS on FB. In the association between SC and FB, FL and SFL function as important moderators, whereas DFL does not moderate this association. The findings indicate that enhancing the financial well-being of micro-entrepreneurs is affected by access to digital financial services and social resources, as well as the quality of their financial behavior and their level of literacy.
Sharia, Digital, and Financial Literacy in Action: Transforming Social Capital and Digital Finance into Micro-Enterprise Well-Being through Financial Behavior Dani Setiawan; Sulaeman Rahman Nidar; Cupian Cupian
International Journal of Nusantara Islam Vol 14 No 2 (2026): International Journal of Nusantara Islam
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ijni.v14i2.57252

Abstract

The Indonesian digital economy has encouraged micro-business owners' use of Digital Financial Services (DFS). These services have been widely adopted, but these actors' financial behavior (FB) and well-being (FWB) have not improved. This study analyzes how DFS and SC affect FWB directly and indirectly FB. Financial Literacy (FL), Sharia Financial Literacy (SFL), and Digital Financial Literacy (DFL) moderate the link between DFS and SC with FB. The quantitative survey study targets 300 West Java micro-entrepreneurs. Data was obtained using structured questionnaires and analyzed using SEM-PLS.  Both DFS and SC positively and dramatically affect FB and FWB. FB also boosts FWB and mediates DFS–FWB and SC–FWB interactions. Moreover, FL, SFL, and DFL amplify the impact of DFS on FB. In the association between SC and FB, FL and SFL function as important moderators, whereas DFL does not moderate this association. The findings indicate that enhancing the financial well-being of micro-entrepreneurs is affected by access to digital financial services and social resources, as well as the quality of their financial behavior and their level of literacy.
Co-Authors Cupian Cupian Sulaeman Rahman Nidar