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All Journal Journal of Economic, Bussines and Accounting (COSTING) MANAJEMEN DEWANTARA Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan
Suaryansyah, Berandi
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Arts Computer Science & IT Economics, Econometrics & Finance Education Social Sciences

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STRATEGI DIGITALISASI DAN LITERASI KEUANGAN UNTUK MENINGKATKAN KEUNGGULAN KOMPETITIF SERTA KEBERLANJUTAN EKONOMI KREATIF BERBASIS KEARIFAN LOKAL DI KEPULAUAN BANGKA BELITUNG Fatika Sari, Willa; Fauzi, Ahmad; Suaryansyah, Berandi
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 4 No. 10 (2025)
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sibatik.v4i10.3463

Abstract

This study aims to analyze the influence of digitalization and financial literacy on the sustainable competitive advantage of culinary MSMEs in Pangkalpinang City with local wisdom as a moderation variable. The method used was mixed methods with quantitative dominance through a survey of 50 culinary MSME actors, as well as interviews with the Pangkalpinang City Tourism Office and the Cooperatives, Trade, and MSMEs Office of Bangka Belitung Islands Province. Data analysis was carried out using Partial Least Squares Structural Equation Modelling (PLS-SEM). The results showed that digitalization (coefficient 0.472; p<0.05) and financial literacy (coefficient 0.351; p<0.05) had a significant positive effect on sustainable competitive advantage. Local wisdom was also shown to have a positive effect (coefficient 0.249; p<0.05) while moderating the relationship between financial literacy and sustainable competitive advantage positively (coefficient 0.301; p<0.05), but weakening the relationship between digitalization and sustainable competitive advantage (coefficient -0.205; p<0.05). These findings confirm that the integration of digitalization, financial literacy, and local wisdom is an important strategy to strengthen the competitiveness of culinary MSMEs in the archipelago, although the dominance of local culture can slow down the adoption of technology. This research makes a theoretical contribution to the integrative model of creative economy development based on local wisdom and policy recommendations to support the sustainability of MSMEs.
THE ROLE OF ATTITUDES AND INTENTIONS IN SHARIA FINANCIAL BEHAVIOR OF MSMES: A THEORY OF PLANNED BEHAVIOR APPROACH Abdul Hafiz; Suaryansyah, Berandi; Sari, Willa Fatika; Fauzi, Ahmad; Azelya, Iis
MANAJEMEN DEWANTARA Vol 9 No 2 (2025): MANAJEMEN DEWANTARA
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/md.v9i2.20024

Abstract

The objective of this research is to examine how attitudes and intentions influence the sharia-compliant financial behavior of MSME practitioners, employing the Theory of Planned Behavior (TPB) as a theoretical framework. TPB explains that actual behavior is influenced by intention, which is formed by attitudes and control of perceptual behavior. The research adopts a quantitative explanatory approach and applies the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method for data analysis. The sample consisted of 35 micro, small, and medium enterprise (MSME) actors located in Toboali District, South Bangka, selected via purposive sampling. Data were collected through a structured questionnaire based on a five-point Likert scale, measuring four main constructs: attitude (ATT), perceived behavioral control (PBC), intention (INT), and actual behavior (BEH). The results of the study show that attitude has a significant effect on actual intentions and behaviors. Intention also plays a key role as a key predictor of actual behavior, strengthening the SDG framework. However, perceptual behavior control did not show a significant effect on intentions or behavior. These findings affirm the importance of forming a positive attitude and strengthening intentions in encouraging the adoption of Islamic finance practices among MSMEs. Strategic interventions need to be directed at increasing literacy, understanding sharia values, and strengthening the internal motivation of business actors so that Islamic financial transformation can run sustainably and equivocally.
ANALISIS PERILAKU KEUANGAN KELUARGA MUDA KELAS MENENGAH DI INDONESIA (STUDI KUALITATIF BERDASARKAN PERSPEKTIF PERILAKU KEUANGAN RUMAH TANGGA DAN TEORI PERILAKU TERENCANA) Hafiz, Abdul; Napisah, Siti; Suaryansyah, Berandi
Journal of Economic, Bussines and Accounting (COSTING) Vol. 8 No. 6 (2025): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/6czx9b71

Abstract

The purpose of this study is to explore the financial behavior of middle-class urban families in Indonesia. This study use Behavioral Household Finance framework and integrated it with Theory of Planned Behavior. Despite the increaseing of financial literacy, many households have poor financial behaviors. Using a qualitative approach, the research gets insights from in-depth interviews with nine families selected through purposive sampling. Participants were middle-income family living in urban areas with school-aged children. Thematic analysis revealed that financial behavior is shaped by cognitive biases, social norms, perceived behavioral control, and financial literacy. Limited financial knowledge and negative perceptions of formal financial institutions also hindered their ability to improve their financial behavior which represented in their financial outcome. On the other hand, families with higher financial literacy demonstrated better control over their finances, proactive saving strategies, and more resilience against behavioral biases and social pressure. These findings highlight that enhancing financial literacy alone is insufficient without addressing the psychological and cultural factors that influence financial decision-making. This study offers implications for the design of financial education and policy interventions that go beyond technical knowledge and incorporate behavioral insights aligned with local cultural values.
Co-Authors Azelya, Iis Fatika Sari, Willa Fauzi Ahmad Muda Hafiz, Abdul Sari, Willa Fatika Siti Napisah