Article Per Year (5 Year)
p-Index From 2021 - 2026
1.363
P-Index
This Author published in this journals
All Journal Journal The Winners AGRIEKONOMIKA EKUITAS (Jurnal Ekonomi dan Keuangan) Performance Jurnal Abdi Insani Jurnal Fokus Manajemen Bisnis Jurnal Pengabdian UNDIKMA Jurnal Multidisiplin West Science Jurnal Ekonomi, Bisnis, dan Akuntansi West Science Journal Economic and Entrepreneurship Fundamental and Applied Management Journal
Wiwiek Rabiatul Adawiyah
Universitas Jenderal Soedirman
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Other

Published : 13 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 13 Documents
Search

 1   2 
Digital Transformation of MSME Finance: The Role of Digital Financial Literacy, Digital Lifestyle, and Saving Decisions in Digital Banks (SDB) for Business Resilience Carolina Ety Widjayanti; Wiwiek Rabiatul Adawiyah; Sudarto Sudarto; Najmudin Najmudin; Rio Dhani Laksana
Journal The Winners Vol. 27 No. 1 (2026): Journal The Winners (In Progress)
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/tw.v27i1.14646

Abstract

This research addressed a gap in Micro, Small, and Medium Enterprises (MSMEs) finance research, which has predominantly focused on digital credit adoption while paying limited attention to saving decisions in digital banks and their implications for business resilience. The study aims to examine the role of digital financial literacy and digital lifestyle in shaping saving decisions in digital banks and to explore how these decisions contribute to strengthening MSME resilience. Data were collected from MSME owners and managers and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings indicate that digital financial literacy and digital lifestyle positively influence saving decisions in digital banks. Furthermore, saving decisions in digital banks play an important role in enhancing business resilience and serve as a mechanism through which digital financial literacy and digital lifestyle contribute to sustainable business operations. The research extends the digital finance literature by conceptualizing digital-bank savings as a digitally enabled cash-management practice that supports financial discipline, fund separation, cash-flow documentation, and liquidity management among MSMEs. This perspective highlights that digital financial services are not only relevant for accessing external financing but also for strengthening internal financial management capabilities. The practical implications suggest the need for MSME-oriented digital banking services, financial literacy programs, and behavioral interventions that encourage safe, documented, and disciplined saving practices to support long-term business resilience in an increasingly digital financial ecosystem.
Humorous and Empathetic Leadership as a Predictor of Employee Creativity in the Creative Industry in Indonesia Neneng Sofiyanti; Wiwiek Rabiatul Adawiyah
Jurnal Multidisiplin West Science Vol 5 No 04 (2026): Jurnal Multidisiplin West Science
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/jmws.v5i04.3318

Abstract

Kreativitas karyawan merupakan faktor krusial dalam mempertahankan daya saing dan inovasi di industri kreatif, terutama di negara-negara berkembang seperti Indonesia. Perilaku kepemimpinan memainkan peran sentral dalam membentuk lingkungan kerja yang mendorong ekspresi kreatif dan penciptaan ide. Penelitian ini bertujuan untuk mengkaji pengaruh kepemimpinan yang humoris dan empati terhadap kreativitas karyawan di industri kreatif Indonesia. Dengan menggunakan desain penelitian kuantitatif, data dikumpulkan dari 125 karyawan yang bekerja di berbagai organisasi sektor kreatif melalui kuesioner terstruktur yang diukur menggunakan skala Likert lima poin. Data dianalisis menggunakan Structural Equation Modeling–Partial Least Squares (SEM-PLS 3). Hasil penelitian menunjukkan bahwa baik kepemimpinan humoris maupun kepemimpinan empati memiliki efek positif dan signifikan terhadap kreativitas karyawan. Kepemimpinan empati menunjukkan pengaruh yang lebih kuat, menyoroti pentingnya pemahaman emosional dan dukungan dalam lingkungan kerja kreatif. Bersama-sama, gaya kepemimpinan ini menjelaskan proporsi varians yang substansial dalam kreativitas karyawan, menunjukkan peran strategis kepemimpinan afektif dalam mendorong inovasi. Studi ini berkontribusi pada literatur kepemimpinan dan kreativitas dengan menyediakan bukti empiris dari konteks negara berkembang dan menawarkan wawasan praktis bagi manajer industri kreatif yang ingin meningkatkan kreativitas karyawan melalui praktik kepemimpinan relasional dan cerdas emosional.
Strengthening Digital Literacy and MSMEs Marketing Innovation in Supporting the Sustainability of Local Businesses in Purwokerto Sev Rahmiyanti; Wiwiek Rabiatul Adawiyah; Christina Tri Setyorini
Jurnal Pengabdian UNDIKMA Vol. 7 No. 2 (2026): May
Publisher : LPPM Universitas Pendidikan Mandalika (UNDIKMA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33394/jpu.v7i2.20321

Abstract

This community service activity aims to enhance the digital literacy capacity and marketing innovation of micro, small, and medium enterprises (MSMEs) in supporting the sustainability of local businesses in Bobosan Village, North Purwokerto District, Banyumas Regency. The program was initiated in response to the low level of digital literacy among MSME actors, limited use of social media and marketplace platforms, and a lack of innovation in marketing strategies, all of which have constrained market reach and business competitiveness. The implementation methods included digital literacy training, digital marketing strategy workshops, assistance in the use of social media and marketplaces, and simulations of digital content creation, conducted in stages ranging from needs identification to monitoring and evaluation. Evaluation instruments included pre-test and post-test questionnaires, observation sheets, and participant feedback forms to assess changes in knowledge, skills, and attitudes. The data were analyzed using descriptive quantitative techniques by comparing participants’ conditions before and after the program. The results showed measurable improvements among participants, with understanding of digital marketing increasing by approximately 35%, ability to use digital platforms by 30%, and skills in creating digital content by 25%. Participants also began implementing digital marketing strategies in their businesses. In addition, partners responded positively to the program, stating that the materials were easy to understand, the activities were beneficial, and their digital knowledge and skills had improved. This activity was further supported by participants’ enthusiasm, internet access, and practical learning materials, although challenges remained in the form of limited technological capabilities and implementation time. Overall, the findings indicate that the community service program effectively enhanced the digital literacy capacity and marketing innovation of MSMEs while encouraging the adoption of digital marketing to support the sustainability of local businesses.
Co-Authors Abdul Azis Ahmad Achmad Sujadi Agus Sutanto Ardian Abi Novianto Budi Aji Budi Dharmawan Carolina Ety Widjayanti Christina Tri Setyorini Dindy Darmawati Putri Dyah Ethika Noehdiyati Hendro Setyono Irene Kartika Eka Wijayanti Laksana, Rio Dhani Leni Susanti Meydy Fauziridwan Mochamad Sugiarto Monica Rosiana Muslihudin Muslihudin Najmudin Neneng Sofiyanti Neneng Sofiyanti Rahab Sev Rahmiyanti Sri Murni Setyawati Sudarto Sudarto Sunendar Sunendar Sungkowo, Heri Syamsul Arifin Syifa Fitriani