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All Journal Jurnal Bisnis dan Manajemen JURNAL SOSIAL HUMANIORA (JSH) Jurnal Bisnis dan Manajemen Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Journal of Indonesian Tourism, Hospitality and Recreation Jurnal Ekonomi Manajemen Abdimas Galuh: Jurnal Pengabdian Kepada Masyarakat Inobis: Jurnal Inovasi Bisnis dan Manajemen Indonesia Jurnal Pengabdian Masyarakat Indonesia Jurnal Pengabdian kepada Masyarakat Jurnal Ekonomi Journal of Research in Social Science and Humanities Co-Value : Jurnal Ekonomi, Koperasi & Kewirausahaan Cakrawala: Jurnal Pendidikan Jurnal Multidisiplin Madani (MUDIMA) Mamangan Social Science Journal ISCO Social Science Research Journal Jurnal Inovasi Pendidikan Ekonomi (JIPE)
Allicia Deana Santosa
Universitas Siliwangi
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Other

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The Impact of Digital Financial Literacy on Financial Behaviour and Financial Well-Being of Rural Millennials Sri Hardianti Sartika; Astri Srigustini; Allicia Deana Santosa
Jurnal Inovasi Pendidikan Ekonomi Vol. 16 No. 1 (2026): Jurnal Inovasi Pendidikan Ekonomi
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/jipe.v16.i1.31

Abstract

This study investigates the role of digital financial literacy in shaping the financial well-being of millennials residing in rural areas of West Java, with financial behaviour serving as a mediating variable. Employing a quantitative explanatory survey design, data were collected from 315 millennial respondents and analysed using descriptive statistics and path analysis. The findings reveal that digital financial literacy exerts a significant but negative effect on both financial behaviour and financial well-being. Financial behaviour is also found to significantly influence financial well-being, indicating that higher engagement with financial activities does not necessarily translate into improved financial outcomes. These results suggest that increased exposure to and understanding of digital financial services may encourage consumptive practices and over-reliance on digital credit when not accompanied by prudent financial management. The study highlights that digital financial literacy alone is insufficient to enhance financial well-being unless it is integrated with responsible financial behaviour and effective risk awareness. Consequently, targeted financial education and stronger regulation of digital financial services are essential to improving the long-term financial well-being of rural millennials.
Artificial Intelligence (AI) Adoption as Marketing Tools among Micro, Small, and Medium Enterprises (MSMEs) in Indonesia Allicia Deana Santosa; Iis Surgawati
Jurnal Sosial Humaniora Vol 17 No 1 (2024)
Publisher : Direktorat Riset dan Pengabdian Kepada Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12962/j24433527.v17i1.20520

Abstract

Despite MSMEs' crucial role in Indonesia's economy, their utilization ofartificial intelligence (AI) remains restricted. This paper investigates theadoption of artificial intelligence (AI) among micro, small, and mediumenterprises (MSMEs) in Indonesia, providing a comprehensive analysis of thedifficulties and potential advantages. AI implementation is essential for thesebusinesses because it may significantly enhance economic growth throughimproved productivity, cost reduction, and increased competitiveness.Furthermore, AI facilitates the decision-making process and fosters data-basedinnovation. The study investigates the correlation between competitivepressure, top management commitment, staff adaptability, perceived utility,and simplicity of use in the adoption of artificial intelligence (AI) amongmicro, small, and medium enterprises (MSMEs) in Indonesia. By addressingthese gaps, we can enhance our comprehension of how MSMEs can utilize AIadoption as a marketing tool, thereby fostering their growth and success. Theresults emphasize the significance of top management commitment (TMC),employee adaptability (EA), perceived usefulness (PU), and perceived ease ofuse (PEOU) in encouraging the adoption of AI among micro, small, andmedium enterprises (MSMEs) in Indonesia.
Co-Authors Adhitya Rahmat Taufiq Agis Andriani Ali, Muhammad Rivaldo Aquinaldo Sistanto Putra Asiah Lestari Astri Srigustini Bintari, Vivi Indah Cahyaningtyas, Indyra Dwi Dedeh Sri Sudaryanti Deden Mulyana Dedi Rudiana Deny Hidayat Edy Suroso Edy Suroso, Edy Hendratawan, Febrialdy Iis Surgawati Indyra Dwi Cahyaningtyas Kartawan Kurniawan Kurniawan Lucky Radi Rinandiyana Mandasari, Andina Eka Mohammad Soleh Soeaidy Muhammad Aliyuddin Munawar, Andri Helmi Novi Mela Yuliani Prabowo, Faizal Haris Eko Rahayuningrat, Prahita Sri Sri Rahmawati, Mira Risna Amalia Hamzah Robi Awaluddin San Marino, Wilman Sani, Ageng Asmara Sartika, Sri Hardiant Sistanto Putra, Aquinaldo Sri Hardianti Sartika Sri Hardianti Sartika, Sri Hardianti Sugiarti, Rubi’ah Taufik, Nuryanti Yeshika Alversia