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All Journal Jurnal Bahtera - Jurnal Pendidikan Bahasa dan Sastra Indonesia EKUIVALEN - Pendidikan Matematika Jurnal Online Mahasiswa (JOM) Bidang Perikanan dan Ilmu Kelautan Journal of Elementary Education Jurnal Maneksi (Management Ekonomi Dan Akuntansi) JMIE (Journal of Madrasah Ibtidaiyah Education) Jurnal Kridatama Sains dan Teknologi Jurnal Ners Jurnal Pendidikan Dasar Perkhasa EKOMABIS: Jurnal Ekonomi Manajemen Bisnis Alsina : Journal of Arabic Studies Journal of Advanced Guidance and Counseling Waniambey: Journal of Islamic Education Jurnal Altifani Penelitian dan Pengabdian kepada Masyarakat Jurnal Ekonomika dan Bisnis Islam Journal of Educational Management Research FingeR: Journal of Elementary School Jurnal Ilmu Fisika dan Terapannya (JIFTA) Educommunity Jurnal Pengabdian Masyarakat Journal of Islamic Philosophy and Contemporary Thought
Umi Habibah
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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Journal : Jurnal Maneksi (Management Ekonomi Dan Akuntansi)

 1 
THE EFFECT OF FINANCIAL LITERACY AND INCLUSION ON THE PERFORMANCE AND SUSTAINABILITY OF GROCERY STORES IN PROBOLINGGO REGENCY. Krisnawati, Titin; Amani, Tatik; Habibah, Umi
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 14 No. 2 (2025): JUNI
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jm.v14i2.3043

Abstract

Introduction: SMEs are known as a resilient sector against shocks and economic crises, as evidenced during the monetary crisis and the COVID-19 pandemic when SMEs were able to survive and even contributed to maintaining national economic stability. Financial literacy and inclusion play an important role in the sustainability and improving the performance of SMEs. Methods: The research method used is quantitative, with financial literacy and financial inclusion as independent variables and business performance and sustainability as dependent variables. The sample in this study consists of 44 Micro Enterprises registered with DKUPP Probolinggo Regency. Data collection was conducted using interviews, questionnaires, and documentation. The data analysis technique used was SmartPLS 4.0. Results: Research findings indicate that the variable of financial literacy has an impact on the performance and sustainability of Micro Enterprises (Grocery Stores), while the variable of financial inclusion does not affect the performance and sustainability of Micro Enterprises (Grocery Stores) registered in the DKUPP Probolinggo Regency. Financial literacy affects the performance and sustainability of micro-enterprises (grocery stores). This indicates that micro-business actors (grocery stores) already have good financial literacy. Financial inclusion does not affect the performance and sustainability of micro-enterprises. Although access to financial services is available, business actors have not fully utilized financial products and services optimally. DKUPP needs to develop training and mentoring programs to enhance the skills and knowledge of business actors, especially regarding financial inclusion. Keywords: Financial Literacy, Financial Inclusion, Performance, Sustainability.
MEDIASI FINANCIAL LITERACY DALAM HUBUNGAN FINANCIAL TECHNOLOGY PAYMENT DAN FINANCIAL ATTITUDE TERHADAP CHANGES IN PEOPLE'S FINANCIAL BEHAVIOR DALAM PERSPEKTIF BISNIS ISLAM Habibah, Umi; Ekawati, Evi; Susanto, Is
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 14 No. 4 (2025): December
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jm.v14i4.3355

Abstract

Introduction: The development of digital technology, especially fintech payments, has facilitated transactions and made financial management more digital and flexible. This study aims to analyse the role of financial literacy mediation in the relationship between financial technology payment and financial attitudes towards changes in people's economic behaviour, considering the Islamic business perspective.Methods: Using a quantitative approach with the SEM-PLS analysis technique, 100 respondents were surveyed through a Google form using a purposive sampling technique. The results show that fintech payment and financial attitude intentionally increase financial literacy, which then has a positive effect on changes in people's economic behaviour.Results: This study found that financial literacy partially mediates the relationship between fintech payments and financial attitudes, influencing changes in people's financial behaviour. Although the direct influence of fintech payments and financial attitudes on changes in financial behaviour has proven to be more dominant, the mediating role of financial literacy remains significant, which shows that increasing financial literacy encourages wiser and more responsible financial behaviour. From an Islamic perspective, financial literacy acts as a mediator, connecting fintech payments and financial attitudes to change people's financial behaviour by applying sharia principles such as honesty, justice, and the prohibition of usury. Islam's emphasis on business ethics, including transparency and price fairness, is reflected in e-commerce regulations to create a fair and trustworthy digital ecosystem. Keywords: Financial Literacy, Fintech Payment, Financial Attitude, Financial Behaviour, Bisnis Islam.
Co-Authors Abdurahman Abdurrahman Ade Sucipto Aditya, Bagus Galih Alisa, Alisa Amani, Tatik Aminudin, Aminudin Amrulloh, Hanif Ana Nurhasanah Anggraini, Wulan Ariyanda, Ariyanda Aziz, Ikhwan Azizah, Riski Nur Bustari Hasan Denny Darmawan Dwi Mawanti Dyah Pravitasari Evi Ekawati Fauzan . Firda Fibrila Firdaus Firdaus Herlina Herlina Heruwanto, Joni Hidayati, Irva Nur Indah Widiati, Indah Istikomah, Endang Khoirun, Fattah Krisnawati, Titin Lela Iman Ningrum, Lela Iman Lukman Nulhakim Luthfi Afani, Indah Luthfiyah, Nurul M. Ridwan Marissa, Erni Masrurotul Mahmudah, Masrurotul Muhammad Afdillah Muzfirah, Suci Nailul Izzah Ngantori, Ngantori Nugroho Budi Wibowo Nurafini, Fira Nurhidayani Aisyiyah, Nurhidayani Qurotun Ainy, Nuni Rodin, Imam Rozikin, Ahmad Khoirur SUPRIAJI, UJUD Suripah Suripah Susanto, Is Tjipto Leksono Zain, Zidan Almas Zuhruddin, Achmad