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Risdayanti, Risdayanti
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Journal : Income : Digital Business Journal

 1 
PERAN LITERASI KEUANGAN DALAM MENINGKATKAN INKLUSI KEUANGAN BAGI IBU RUMAH TANGGA YANG MENGELOLA UMKM Risdayanti, Risdayanti; Haedar, Haedar; Syafitri, Azifah
Income : Digital Business Journal Vol. 2 No. 2 (2024)
Publisher : Universitas Bumigora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30812/income.v2i2.4136

Abstract

Financial inclusion and financial literacy are two important factors that can improve the economic welfare of society, especially housewives who run micro, small and medium enterprises (MSMEs). This research aims to find out how financial literacy influences the financial inclusion of housewives who run MSMEs. This research uses a qualitative approach with a case study design. Data was collected through in-depth interviews with several housewives involved in MSMEs and analyzed using thematic analysis techniques. Research shows that low financial literacy hinders access to formal financial services. Housewives with high financial literacy tend to have easier access to formal financial products. These results highlight the importance of more formal and structured financial literacy training to increase financial inclusion for housewives who run MSMEs. Therefore, this research makes an important contribution to the development of more effective programs to improve financial literacy.
Analisis Tingkat Pemahaman Mahasiswa Universitas Muhammadiyah Palopo Terhadap Bisnis Digital Di Era Modern Putri, Putri; Risdayanti, Risdayanti; Aris, Mutia Nurfadila; Nurmala, Nurmala
Income : Digital Business Journal Vol. 3 No. 1 (2025)
Publisher : Universitas Bumigora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30812/income.v3i1.4705

Abstract

Penelitian ini bertujuan untuk menganalisis tingkat pemahaman mahasiswa Universitas Muhammadiyah Palopo mengenai tren bisnis digital di era modern. Kemajuan teknologi berita & komunikasi telah mengubah dinamika bisnis global, sehingga bisnis digital menjadi salah satu pilar utama perekonomian. Penelitian ini menggunakan pendekatan kualitatif naratif dengan menggunakan wawancara mendalam sebagai metode pengumpulan data. Responden terdiri dari mahasiswa dari berbagai program studi, dipilih melalui purposive sampling untuk mengeksplorasi beragam perspektif mengenai bisnis digital. Hasil penelitian menunjukkan bahwa mayoritas mahasiswa memiliki pemahaman dasar yang baik tentang konsep bisnis digital, termasuk e-commerce & pemasaran digital. Namun, fasilitas kampus yang terbatas & kurangnya pengalaman yang mudah merupakan kendala utama dalam menerapkan pengetahuan ini. Penelitian ini juga menemukan pentingnya mengintegrasikan kurikulum yang relevan dengan menggunakan upaya digital dan pelatihan pribadi untuk meningkatkan kesiapan mahasiswa dalam menghadapi tantangan di era digital. Penelitian ini berkontribusi pada pengembangan kebijakan pendidikan yang dapat mempersiapkan mahasiswa secara lebih efektif untuk memasuki pasar kerja berbasis digital.
PERAN LITERASI KEUANGAN DALAM MENINGKATKAN INKLUSI KEUANGAN BAGI IBU RUMAH TANGGA YANG MENGELOLA UMKM Risdayanti, Risdayanti; Haedar, Haedar; Syafitri, Azifah
Income : Digital Business Journal Vol. 2 No. 2 (2024)
Publisher : Universitas Bumigora

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30812/income.v2i2.4136

Abstract

Financial inclusion and financial literacy are two important factors that can improve the economic welfare of society, especially housewives who run micro, small and medium enterprises (MSMEs). This research aims to find out how financial literacy influences the financial inclusion of housewives who run MSMEs. This research uses a qualitative approach with a case study design. Data was collected through in-depth interviews with several housewives involved in MSMEs and analyzed using thematic analysis techniques. Research shows that low financial literacy hinders access to formal financial services. Housewives with high financial literacy tend to have easier access to formal financial products. These results highlight the importance of more formal and structured financial literacy training to increase financial inclusion for housewives who run MSMEs. Therefore, this research makes an important contribution to the development of more effective programs to improve financial literacy.
Co-Authors Abdul Gofur ADRIANI ADRIANI Akbar, Muh Aprilia, Vivi Yunita Arfa’I, Arfa’I Aris, Mutia Nurfadila Arman Arman Eka Sari, Ema Haedar Haedar, Haedar Irmayani Irmayani Ma'ruf, Adnan Meri Yarni Mone, Ansyari Muhammad Farid Muhammad Iqbal Nurmala Nurmala Permana, Meiki Putri Putri, Putri Rendy Saputra Ridwan, Ridwan Saleh, Firman Sam Hermansyah Syafitri, Azifah Titin Ruliana Ulfa Triyani A Latif, Ulfa Triyani A Ummah, Nahdatul Wahyuni, Ian Wijaya, Supriadi Wirawan, Hadi Purnama Yusuf, Rudy