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All Journal Aptisi Transactions on Technopreneurship (ATT) Jurnal Abdimas Perbanas
Pramesworo, Septo
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Humanities Computer Science & IT Economics, Econometrics & Finance Education Social Sciences

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Transformasi Usaha Mikro Kecil dan Menengah: Menuju Bisnis Kreatif dan Inovatif Pramesworo, Septo; Yustisia, Natali; Evi, Tiolina
Jurnal Abdimas Perbanas Vol. 5 No. 1 (2024): Jurnal Abdimas Perbanas
Publisher : Institut Keuangan-Perbankan Dan Informatika Asia Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/jap.v5i1.571

Abstract

Micro, Small and Medium Enterprises (MSMEs) in Indonesia play an important role in the community's economy. MSMEs must carry out creative and innovative efforts to improve their business and encourage economic growth. However, MSMEs often face challenges in facing increasingly fierce competition and changing market trends. In the ever-growing digital era, developing digitalization of MSME businesses has become an urgent need to increase their competitiveness. The development of digitalization of MSME businesses opens up great opportunities for business growth and development. Apart from digitalization, MSMEs should be creative and innovative, either by collaborating, inviting other parties, or using digital technology and online platforms, MSMEs can expand their market reach and reach potential consumers in various regions. However, the development of digitalization of MSME businesses also faces several challenges. Keywords: Creativity, Innovation, Digital Technology, MSMEs
Unveiling the Dynamics of Financial Literacy and Inclusion in Women Digital Loan Decision Making Riwayati, Hedwigis Esti; Rachman, Hikmah Abdul; Pramesworo, Septo; Yustisia, Natali; Umar, Haryono; Siahaan, Magda
Aptisi Transactions On Technopreneurship (ATT) Vol 7 No 3 (2025): November
Publisher : Pandawan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34306/att.v7i3.788

Abstract

This study examines the role of lifestyle in mediating the influence of financial literacy and financial inclusion on the decision to take online loans. This research was conducted on women who use online loans in Indonesia. The sampling method used nonprobability sampling, with the respondents being 200 Indonesian women who used online loans. Data analysis uses Partial Least Square (PLS) to test the direct and indirect effects of financial literacy and financial inclusion on online loan decision-making. The results show that financial literacy, inclusion, and lifestyle significantly positively affect online loan decision-making. Financial literacy does not affect lifestyle, while financial inclusion significantly affects women's lifestyles in Indonesia. Lifestyle cannot mediate the influence of financial literacy and financial inclusion on women's online loan decision-making in Indonesia. The results of this study emphasize the importance of financial literacy and inclusion in shaping good financial behavior, especially in making decisions to apply for loans. Efforts to increase financial literacy and access to financial inclusion can be the primary strategy to improve the financial behavior of women in Indonesia in online loan decision-making.
Co-Authors Haryono Umar Hedwigis Esti Riwayati Natali Yustisia Rachman, Hikmah Abdul Siahaan, Magda Tiolina Evi