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Empowering Financial Literacy: Unleashing The Potential of Indonesian Fishermen: Empowering Indonesian Fishermen’s Financial Literacy Putri, Rizky Dwi; Huang, Wen-Chi
Journal of Tropical Rural Development Vol. 2 No. 1 (2025): April 2025
Publisher : Agriculture Socio-Economic Department, Faculty of Agriculture, Brawijaya University

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Abstract

Background and purpose – Financial literacy represents a critical component of economic resilience, yet research on its determinants among fishing communities remains limited. This study investigates the multifaced factors influencing financial literacy among fishermen in Indonesia, employing a comprehensive analytical approach that examines socioeconomic, demographic, and digitalization. Methodology – This study utilizes the Tobit model to investigate how factors such as education level, age, professional experience, geographical location, and internet use interact to influence financial knowledge and skills. Findings – The findings indicate that years of formal education are no longer the only one key determinant of financial literacy. Instead, factors related to education like numeracy, internet use, and the possible of informal education proxy by joining fishing groups shows the higher effect on financial literacy. Additionally, savings and the geographical distance to nearby cities and bank branches emerge as determinants of financial literacy among Indonesian fishermen. Implications – This research enhances the existing literature by providing a nuanced understanding of the determinants of financial literacy in a specific maritime context. It offers valuable insight for policymakers, financial institutions, and community development organizations aiming to improve financial capabilities within fishing communities.
Exploring The Mediating Role of Digital Literacy in Enhancing Economic Teacher Candidates' Readiness: Insight from Teacher Competence, Critical Thinking Skills, and Teaching Experience Sri Handayani; Rizza Megasari; Rizky Dwi Putri; Ana Dhaoud Daroin; Mohamad Zuber Abd. Majid; Wiwin Hartanto; Intan Nurwibawanti; Sindi Wahyu Purbowati
JURNAL EKONOMI PENDIDIKAN DAN KEWIRAUSAHAAN Vol. 14 No. 1 (2026)
Publisher : UNIVERSITAS NEGERI SURABAYA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jepk.v14n1.p117-138

Abstract

Objective: Teacher readiness remains a critical issue in improving the quality of economics teacher education programs. This study aims to analyse the relationship between teacher competence, critical thinking skills, and teaching experience on the readiness of economics teacher candidates. Additionally, the study examines the mediating role of digital literacy in strengthening these relationships. Method: This study employed a quantitative approach using covariance-based structural equation modelling (CB-SEM). Data were collected from 103 students of Economics Education Study Programs from both public and private universities in Java. The analysis was conducted using AMOS software version 30 to test the proposed hypotheses regarding the mediating effect of digital literacy on the relationships between teacher competence, critical thinking skills, teaching experience, and prospective teacher readiness.  Results: The findings reveal that digital literacy plays a significant mediating role in enhancing the readiness of economics teacher candidates. In particular, digital literacy strengthens the relationship between teaching experience and prospective teacher readiness. Furthermore, competence and critical thinking skills also contribute positively to teacher readiness when supported by adequate digital literacy capabilities. Novelty: This study highlights digital literacy as a strategic mediator that integrates pedagogical competence, critical thinking, and teaching experience in preparing economics teacher candidates for digitally driven learning environments. The findings provide a new perspective for teacher education programs by emphasizing digital literacy development as a core component in strengthening prospective teacher readiness in the era of digital transformation.