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Journal : Journal of Information Systems and Management

Analisis Pengaruh Karakter Personal dan Sikap Mahasiswa terhadap Digital Entrepreneurship Admiral; Silitonga, Nelson; Asbari, Masduki; Jumiran; Chidir, Gusli
Journal of Information Systems and Management (JISMA) Vol. 3 No. 1 (2024): February 2024
Publisher : AGUSPATI RESEARCH INSTITUTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.4444/jisma.v3i1.1113

Abstract

Kemajuan teknologi telah menciptakan banyak peluang bagi wirausaha muda untuk mengembangkan dan memperluas operasi bisnis mereka. Oleh karena itu, internet telah mendorong munculnya kewirausahaan digital (digital entrepreneurship) sebagai bentuk kewirausahaan yang berkembang di antara banyak pengusaha muda dan bahkan mahasiswa, yang memang menjadi generasi digital native. Penelitian ini mengkaji sejauh mana karakter personal atau ciri-ciri pribadi digital natives dari kalangan mahasiswa di Indonesia berdampak pada niat kewirausahaan digital (digital entrepreneurship intention) mereka. Penelitian ini mengkaji dampak langsung dari lima karakter personal yang diadopsi dari the big five personal traits, yaitu openness to experience, conscientiousness, extraversion, agreeableness, and neuroticism, terhadap sikap pribadi (attitude) dan digital entrepreneurship intention. Untuk tujuan ini, responden penelitian ini adalah 254 mahasiswa Indonesia dengan menggunakan teknik pengambilan sampel secara simple random sampling. Pemodelan persamaan struktural menggunakan SEM SmartPLS 4.0. Hasil studi ini mengungkapkan bahwa semua hipotesis terbukti berpengaruh positif signifikan, yakni kelima karakter personal mahasiswa (agreeableness, conscientiousness, extraversion, neuroticism, dan openness to experience) berpengaruh positif terhadap sikap pribadi (attitude). Selanjutnya, variabel sikap pribadi (attitude) juga berpengaruh positif terhadap digital entrepreneurship intention. Hasil penelitian ini berkontribusi pada kesenjangan penelitian tentang karakter personal the big five personal traits, sikap pribadi dan digital entrepreneurship intention. Implikasi teoritis dan praktis telah dibahas dan menjadi rekomendasi penting bagi proyeksi masa depan para mahasiswa, dosen pendidik, dan juga bagi kebijakan manajemen di perguruan tinggi.
Digital Transformation in MSME Financial Management: Qualitative Evidence from Banten, Indonesia Sukriyah, Sukriyah; Suhartono, Bambang; Putra, Firdaus; Silitonga, Nelson; Chidir, Gusli
Journal of Information Systems and Management (JISMA) Vol. 5 No. 1 (2026): February 2026
Publisher : AGUSPATI RESEARCH INSTITUTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.4444/jisma.v5i1.1238

Abstract

Digital transformation has become a critical pathway for strengthening financial management practices among micro, small, and medium enterprises (MSMEs), particularly in developing economies. Despite increasing access to digital financial technologies, empirical evidence indicates that many MSMEs adopt these tools in a fragmented and non-strategic manner. This study aims to explore how MSME actors experience digital transformation in financial management, identify the practical changes arising from the use of digital financial tools, and examine the barriers and enabling factors shaping this transformation. Employing a qualitative research design, this study draws on in-depth interviews, non-participant observations, and document analysis involving 24 MSME owners and managers across micro, small, and medium enterprises in Banten Province, Indonesia. Thematic analysis reveals that digital transformation among MSMEs unfolds incrementally, beginning with basic tools such as digital payments and mobile banking, largely driven by customer demand rather than strategic intent. While digital tools improve transaction recording accuracy, financial transparency, and operational efficiency, their utilization remains predominantly operational, with limited progression toward analytical or strategic financial management. Key challenges include inadequate digital and financial literacy, trust concerns related to data security, cost constraints, infrastructural limitations, and entrenched traditional practices. The findings underscore that digital transformation in MSME financial management is a socio-technical process shaped by interactions between technology, managerial capabilities, and institutional context. This study contributes to the literature by providing rich qualitative insights from an underexplored regional context and offers practical and policy-relevant implications for fostering inclusive, context-sensitive digital transformation among MSMEs.