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All Journal Product Design Paedagoria : Jurnal Kajian, Penelitian dan Pengembangan Kependidikan Jurnal Caksana: Pendidikan Anak Usia Dini EduChild: Majalah Ilmiah Pendidikan Jurnal Karinov Journal of Applied Data Sciences Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan Prosiding Seminar Nasional Pengabdian Kepada Masyarakat Rahmatan Lil’alamin Journal of Community Services (RLA) Journal of Comprehensive Science KOLONI Jurnal Bisnis, Manajemen, dan Keuangan Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Pengabdian Kepada Masyarakat Bangun Cipta, Rasa, & Karsa (Jurnal PKM BATASA) Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi
Annisa Lutfia
Institut Teknologi Bandung
Religion Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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Journal : Journal of Applied Data Sciences

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Digital Financial Literacy, Entrepreneurial Competencies and Local Government Initiatives: Keys to SMEs’ Sustainability Sumiati, Ati; Respati, Dwi Kismayanti; Lutfia, Annisa; Jati, Kuat Waluyo
Journal of Applied Data Sciences Vol 7, No 1: January 2026
Publisher : Bright Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47738/jads.v7i1.997

Abstract

This study examines the sustainability of Small and Medium-Sized Enterprises (SMEs’) in the Special Region of Yogyakarta, Indonesia, by assessing the combined effects of local government initiatives, digital financial literacy, and entrepreneurial competencies. The objective is to determine how these factors enhance long-term business viability in an increasingly digital economy. A mixed-method design was employed. In the qualitative phase, observations and in-depth interviews with officials from the Department of Industry and Trade explored the policy environment and SMEs’’ challenges, and themes from this stage were used to refine the survey instrument. In the quantitative phase, a structured survey of 338 SME owners measured digital financial literacy, entrepreneurial competencies, and sustainability practices. Data were analyzed using partial least squares structural equation modeling, including reliability and validity assessment, model fit evaluation, and bootstrapped hypothesis testing. Results show that both digital financial literacy (β = 0.546) and entrepreneurial competencies (β = 0.367) significantly influence SME sustainability, jointly explaining over 70% of the variance. The region’s policy environment—through initiatives such as incubation programs, Jogja Mark, the Sibakul Jogja platform, QR code payment adoption, and training—plays an enabling role in this relationship. The findings emphasize that digital financial literacy has the stronger effect, highlighting the importance of secure payment use, budgeting, and record-keeping for resilience and growth. The study contributes by integrating local policy, digital literacy, and entrepreneurial competency into a single empirical model, offering novel evidence on how these dimensions interact to support SME sustainability. The results provide actionable guidance for policymakers to strengthen digital financial capacity and tailor competency programs to sectoral needs.
Co-Authors Achmad Fauzi Agus Sachari Akbar, Muhammad Luthfi Amanda, Nur Anisa Artino, Adi ATI SUMIATI, ATI Atmojo, Rizky Tri Aulia, Mahda Rida Corry Yohana Darma Rika Swaramarinda, Darma Rika Dianti Yunia Sari Dita Puruwita, Dita Dwi Budi Santoso Dwie Prasasti, Anneke Fadillah Fidhyallah, Nadya Fidhyallah, Nadya Fadillah Herlina, Rina Hidayat, Nurdin Ika Febrilia Indriyana, Saoki Jati, Kuat Waluyo Krissanya, Nofriska Kusumaningtyas, Daru Putri Latifah, Nadila Nur Maulana Amirul Adha Mohamad Rizan Monoarfa, Terrylina Arvinta Muhammad Fawaiq, Muhammad Nugraheni, Cahyaningtyas Merry Nugraheni Nuramalia Hasanah Osly Usman Petrolis Nusa Perdana, Petrolis Nusa Purwana E.S., Dedi Respati, Dwi Kismayanti Rida Prihatni Riswandi Riswandi Sachri Fauzie, Alviana Sadat, Andi Muhammad Santi Susanti, Santi Solly Aryza Suparno Suparno Suparno Usep Suhud Wafa, Harfianti Nur Zakiah, Rizka