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All Journal Jurnal Dinamika Akuntansi Journal of Economic, Bussines and Accounting (COSTING) Jurnal Leverage, Engagement, Empowerment of Community (LeECOM) The Indonesian Journal of Accounting Research Community Development Journal: Jurnal Pengabdian Masyarakat Journal of Applied Data Sciences Indonesian Journal of Devotion and Empowerment (IJDE) Eastasouth Journal of Effective Community Services Jurnal Point Equilibrium Manajemen dan Akuntansi "Indonesian Journal of Devotion and Empowerment (IJDE) "
Jati, Kuat Waluyo
UNIVERSITAS NEGERI SEMARANG
Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Public Health Social Sciences Other

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Journal : Journal of Applied Data Sciences

 1 
Digital Financial Literacy, Entrepreneurial Competencies and Local Government Initiatives: Keys to SMEs’ Sustainability Sumiati, Ati; Respati, Dwi Kismayanti; Lutfia, Annisa; Jati, Kuat Waluyo
Journal of Applied Data Sciences Vol 7, No 1: January 2026
Publisher : Bright Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47738/jads.v7i1.997

Abstract

This study examines the sustainability of Small and Medium-Sized Enterprises (SMEs’) in the Special Region of Yogyakarta, Indonesia, by assessing the combined effects of local government initiatives, digital financial literacy, and entrepreneurial competencies. The objective is to determine how these factors enhance long-term business viability in an increasingly digital economy. A mixed-method design was employed. In the qualitative phase, observations and in-depth interviews with officials from the Department of Industry and Trade explored the policy environment and SMEs’’ challenges, and themes from this stage were used to refine the survey instrument. In the quantitative phase, a structured survey of 338 SME owners measured digital financial literacy, entrepreneurial competencies, and sustainability practices. Data were analyzed using partial least squares structural equation modeling, including reliability and validity assessment, model fit evaluation, and bootstrapped hypothesis testing. Results show that both digital financial literacy (β = 0.546) and entrepreneurial competencies (β = 0.367) significantly influence SME sustainability, jointly explaining over 70% of the variance. The region’s policy environment—through initiatives such as incubation programs, Jogja Mark, the Sibakul Jogja platform, QR code payment adoption, and training—plays an enabling role in this relationship. The findings emphasize that digital financial literacy has the stronger effect, highlighting the importance of secure payment use, budgeting, and record-keeping for resilience and growth. The study contributes by integrating local policy, digital literacy, and entrepreneurial competency into a single empirical model, offering novel evidence on how these dimensions interact to support SME sustainability. The results provide actionable guidance for policymakers to strengthen digital financial capacity and tailor competency programs to sectoral needs.
Determinants of Student Behavior to Use Financial Technology (Fintech) Banking Services - Integrated Theory of System Acceptance and Psychological Behavioral Theory Fachrurrozie, Fachrurrozie; Anisykurlillah, Indah; Mukhibad, Hasan; Jati, Kuat Waluyo; Nurkhin, Ahmad
Journal of Applied Data Sciences Vol 7, No 2: May 2026
Publisher : Bright Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47738/jads.v7i2.1138

Abstract

Fintech provides technology-based banking and financial services; therefore, the analysis of FinTech usage behavior should be viewed in the context of system acceptance and psychological behavioral theory. We employ the System Acceptance Theory approach, specifically the Theory of Acceptance Model, and the psychological behavioral theory, the Theory of Reasoned Action, to explain behavioral intention to use FinTech and incorporate risk factors. This study aims to prove the influence of perceived ease of use, perceived usefulness, subjective norms, attitude, and perceived risk on the intensity of Generation Z's intention to use Fintech. Moreover, this research demonstrates the influence of intention to use Fintech on fintech usage behavior. This research employed a survey approach with 350 students in Indonesia, who are part of Generation Z, and analyzed the data using Structural Equation Modeling with Partial Least Squares. We report that perceived ease of use and perceived usefulness are vital factors in increasing the intention to use Fintech. Attitude is a factor that encourages students to use Fintech, and conversely, perceived risk is a vital factor in decreasing intention to use Fintech. We were unable to find evidence of a relationship between subjective norms and intention to use Fintech. Ultimately, behavioral intention in using Fintech is crucial for increasing student adoption of Fintech. This study recommends that financial institutions offer Fintech services to enhance usability, convenience, and mitigate the risks associated with fintech use.
Co-Authors - FACHRURROZIE Agus Wahyudin Ahmad Nurkhin Angellyna Spears Arzetty Annisa Lutfia Asrori Asrori Athoillah Athoillah, Athoillah ATI SUMIATI, ATI Ayuntavia, Ayuntavia Bestari Dwi Handayani Fatimah, Tiara Saharani Hasan Mukhibad Ilmiyana, Wina Indah Anisykurlillah Indah Fajarini Sri Wahyuningrum, Indah Fajarini Sri Kiswanto Kiswanto Kristi, Nuke Monika Linda Agustina Mariana Ratih Ratnani Maylia Pramono Sari Muhammad Ihlashul'amal Murtiningsih, Rima Nihayah, Annis Nurfitriana Pertiwi, Meilani Intan Rasyid, M. Iqbal Al Ratieh Widhiastuti Respati, Dwi Kismayanti Richatul Jannah Rizkyana, Fitrarena Widhi RR. Ella Evrita Hestiandari Setiyani, Nur Anisa’ Subowo Subowo Trisni Suryarini