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All Journal Jurnal Pengolahan dan Bioteknologi Hasil Perikanan Lembaran Ilmu Kependidikan JIM UPB (Jurnal Ilmiah Manajemen Universitas Putera Batam) Journal of Tropical Crop Science English Language Teaching Educational Journal Jurnal Ilmiah Edunomika (JIE) International Journal of Economics Development Research (IJEDR) Jurnal Ekonomi Dan Bisnis SOLUSI Indonesian Journal of Educational Assesment Jurnal Mandiri IT SASKARA: Indonesian Journal of Society Studies ALLURE JOURNAL HEUTAGOGIA: Journal of Islamic Education Journal Economic Insights Journal of Artificial Intelligence and Digital Business Jurnal Pelita Pengabdian Journal of Environment and Sustainability Education Jurnal Abdimas Ekonomi Terapan Asmara
Cahyo, Septian Dwi
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Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Languange, Linguistic, Communication & Media Library & Information Science Mathematics Physics Social Sciences Other

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Journal : International Journal of Economics Development Research (IJEDR)

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A Role Financial Inclusion in Moderating Digital Literacy, Innovation, and Certification for SMEs Cahyo, Septian Dwi; Mubarok, Ahmad Shofi; Astuti, Fitria Yuni
International Journal of Economics Development Research (IJEDR) Vol. 5 No. 4 (2024): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v5i4.6198

Abstract

This study examines the moderating role of financial inclusion in the relationship between digital literacy, innovation, and certification in maintaining the sustainability of SMEs in Kendal Regency. A quantitative approach was used, with a sample of 210 SMEs operators in Kendal Regency who have been in operation for more than one year, possess business licenses, and hold product certifications. The findings indicate that digital literacy and certification positively influence SMEs sustainability. However, innovation did not show a positive effect on SMEs' sustainability. Furthermore, financial inclusion was found not to moderate the relationship between digital literacy and innovation concerning SMEs sustainability, but it did strengthen the relationship between certification and SMEs sustainability.
The Mediating Role of Self-Efficacy in Factors Influencing MSME Performance Improvement Nugroho, Mahfud; Cahyo, Septian Dwi; Saraya, Sitta; Astuti, Fitria Yuni
International Journal of Economics Development Research (IJEDR) Vol. 6 No. 6 (2025): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v6i6.6934

Abstract

After the Covid-19 pandemic ended, MSMEs selling online increased. However, price competition in the digital market is very tight, so MSMEs with small capital cannot compete with large companies that have entered the digital market first. The aim of this research is to analyze the impact of using digital marketing, financial inclusion and financial literacy on business performance which is mediated through self-efficacy. This research tests causality through a quantitative approach. The population in this study was 100 MSMEs in Kendal, Indonesia. The sample in this study was selected based on purposive sampling with certain criteria. The data analysis method uses linear regression analysis which is tested statistically via SmartPLS. The results of this research found that the use of digital marketing can influence or improve business performance. The use of digital marketing can also increase the self-confidence of MSMEs in managing their business (self efficacy). Ease of access to use financial products and services (Financial inclusion) can improve business performance. Then the ease of accessing financial products and services can also increase self-confidence to be successful (self-efficacy) in managing a business. Self-efficacy cannot mediate the influence of digital marketing, financial literacy and financial inclusion on business performance
Co-Authors - Sumardianto A.A. Ketut Agung Cahyawan W Aang Alim Murtopo Adlawan, Hendely A. Al Fariz, Arif Budiman Ani Kurniawati Anthonios, Rich Edrick Astuti, Fitria Yuni Azizi, Muhammad Arrizky Adhita Bactiar, Dwi Dicky Bali, Ika Bangkara, B.M.A.S Anaconda Cahyani, Dhea Indah Damaris, Lucia Deviani, Nadya Dewi, Adhisty Kartika Dewiki, Santi Eka Kurnia Patmasari Gunawan Gunawan Imtiyaz Farras Mufidah Kaswandi, Carolus Khasanah, Ramadhani Uswatun Kuwatno Lestari, Citra Ayu Lestari, Ika Anggun Mahfud Nugroho Marlon R. Astillero Miftahul Fikri Mohamad Saufi Che Rusuli Mubarok, Ahmad Shofi Munif Ghulamahdi Nawa, Victoria Astra Nurdiansyah, Aulia Nurhaliza, Mira Nurmalasari, Auliya NURUL ANNISA Nurul Fadilah, Nurul Pambudi, Sulistyo Patmasari, Eka Kurnia Pratiwi, Widya Ayu Rikayana, Askha Egyta Santoso, Bayu Aji Saraya, Sitta Sari, Vincentia Indah Puspita Sarif Surorejo Shalsabilla, Aura Sihono Sihono Siti Maziyah Soedirgo, Farel Danto Sri Supriyati Sucipto Sucipto Sukardi, Rendi Restiana Tri Winarni Agustini Utami, Herwati Dwi Wahid Nugroho Wijayanti, Mia Yeni Yuniarti, Yeni Zayadi, Nur Hidayah Binti