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All Journal IQTISHODUNA Competence : Journal of Management Studies (Kompetensi : Jurnal Studi Manajemen) Neo-Bis AKSES: Jurnal Ekonomi dan Bisnis Eco-Entrepreneur Jurnal Studi Manajemen dan Bisnis KABILAH : Journal of Social Community Indonesia Journal of Halal Jurnal Ilmiah Manajemen Kesatuan Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Jurnal Pengabdian kepada Masyarakat Co-Value : Jurnal Ekonomi, Koperasi & Kewirausahaan EKONOMIKA45 BISMA (Bisnis dan Manajemen) Journal of Accounting and Finance Management (JAFM) Jurnal Kajian Ilmu Manajamen Jurnal Ekonomi, Manajemen, Akuntansi
Evaliati Amaniyah
Universitas Trunojoyo Madura
Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Public Health Social Sciences Other

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Enhancing Madura’s Tourism Potential: Financial Inclusion, Digital Technology, and the Moderating Effect of Digital Literacy Amaniyah, Evaliati; Samsuki; Susandini, Aprilina
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 6 (2025): JIMKES Edisi November 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i6.3856

Abstract

Tourism plays a vital role in regional economic growth and community empowerment, particularly in island regions such as Madura, where abundant coastal and marine resources hold significant potential for sustainable tourism development. This study aims to analyse how financial inclusion and the use of digital technology can promote the development of tourism potential in Madura, with digital literacy as a moderating variable. Data was obtained through a survey of tourism stakeholders and related MSMEs in the Madura region. The analysis technique used was Partial Least Squares Structural Equation Modelling (PLS-SEM). The results indicate that financial inclusion and digital technology have a positive and significant impact on tourism potential development. Digital literacy also has a direct positive impact on tourism potential; however, its role as a moderating variable yields varied results. Digital literacy does not significantly moderate the relationship between financial inclusion and tourism potential, while in the relationship between digital technology and tourism potential, digital literacy negatively moderates the relationship.  This study provides policy implications for local governments and financial institutions in expanding targeted financial access and digital education to strengthen the local economy through tourism.
Co-Authors - Haryati - Mafazatun - Purnamawati Adiyanto, Mochamad Reza Alipah, Nurul aprilina susandini Choyriyah, Mursyidhatul Dewi, Silvia Nirmala Deykha Aguilika Echsan Gani Echsan Gani Echsan Ghani Etnandia Tri Wulandari Febriana, Tria Hadi Purnomo Husnul Hotimah Ida Rohyani Ira Alvina Damayanti Islami Puji Lestari Marcelina Marcelina Mega Fortuna Ariani Mei Mita Bella Mira Dwiastuti Muhammad Syarif Nurul Fadilah Permita Dwi Indah Sari Prasetyo Nugroho Prasetyo Nugroho Puguh Kurniawan Putri, Annisa Aulia Rifka Ariyani Safitri, Anni Samsuki Sandy Etika Susanto Seventeen Dwi Augustya Sholeha, Sheilla Emilia Siti Anisah Siti Halimatus Sakdiyah Triana Setiyarini, Triana Urjuan Mamduh Wulandari, Anis Yenti Elia Cristina Girsang Yulia Citra, Yulia Yustina Chrismardani Yustina Chrismardani, Yustina