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All Journal E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Jurnal Informatika Ekonomi Bisnis Journal of Research in Business, Economics, and Education Management Studies and Entrepreneurship Journal (MSEJ) Enrichment : Journal of Management Daengku: Journal of Humanities and Social Sciences Innovation Kontigensi: Jurnal Ilmiah Manajemen ProBisnis : Jurnal Manajemen East Asian Journal of Multidisciplinary Research (EAJMR) Jurnal Perspektif Manajerial dan Kewirausahaan (JPMK) Jurnal Pelita Manajemen Jurnal Lentera Pengabdian Jurnal Informatika Ekonomi Bisnis Margin: Jurnal Lentera Managemen Keuangan Proceeding International Pelita Bangsa Central Community Development Journal Dedikasi : Jurnal Pengabdian Lentera Review: Journal of Multidisciplinary in Social Sciences Growth: Journal Management and Business
Elsye Fatmawati
Universitas Pelita Bangsa
Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Pendampingan Literasi Permodalan UMKM melalui Sosialisasi Kredit Usaha Rakyat di Telaga Asih Cikarang Barat Arsela Putri; Alifa Putri Daniyah; Elsye Fatmawati; Kuwat Riyanto
Dedikasi: Jurnal Pengabdian Lentera Vol. 3 No. 03 (2026): Maret 2026
Publisher : Lentera Ilmu Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59422/djpl.v3i03.1574

Abstract

UMKM atau Usaha Mikro Kecil dan Menengah sering kali terhambat oleh keterbatasan modal, meskipun mereka berperan penting dalam meningkatkan lapangan kerja dan pendapatan masyarakat. Oleh karena itu program KUR atau kredit usaha rakyat hadir sebagai solusi pembiayaan alternatif dengan bunga rendah dibandingkan pinjaman-pinjaman lain yang merugikan. Kegiatan pengabdian ini mencakup sosialisasi kepada mesyarakat tentang Kredit Usaha Rakyat, dengan menyampaikan informasi yang mudah diakses untuk pelaku umkm sehingga mereka dapat memaksimalkan KUR. Maka dari itu, penelitian ini bertujuan untuk memberikan wawasan yang lebih mendalam kepada pelaku umkm tentang manfaat, serta cara untuk mengakses pinjaman kredit. Metode penelitian yang diterapkan merupakan metode kualitatif dengan menggunakan metode pengamatan langsung dan wawancara untuk mendapatkan data, serta melakukan dokumentasi pada pemilik warung seblak Teh Mul. Informasi yang disampaikan membuat pelaku umkm tersebut menyadari bahwa Kredit Usaha Rakyat merupakan sumber pembiayaan yang mudah diakses untuk mengembangkan bisnis mereka. Selain itu, sosialisasi ini juga memberikan pengentahuan tambahan mengenai strategi pemasaran, dan membantu pembuatan penyusunan daftar menu yang menarik melalui aplikasi canva, untuk mendukung peningkatan daya saing usaha. Setelah melakukan analisis mendalam mengenai Kredit Usaha Rakyat yang dapat mengatasi masalah permodalan serta cara pemasaran yang dapat meningkatkan kinerja usaha mereka, hal ini diharapkan dapat menjadi langkah awal bagi para pengusaha tersebut untuk mengatasi permasalahan yang dihadapi.
Digital Financial Literacy and Investment Intention: The Mediating Roles of Risk Perception and Financial Self-Efficacy Nataliana Bebasari; Parulian Parulian; Elsye Fatmawati; Ibnu Andaris
Growth: Journal Management and Business Vol. 4 No. 01 (2026): June 2026
Publisher : Lentera Ilmu Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59422/growth.v4i01.1604

Abstract

Indonesia's financial inclusion has expanded through digital financial services, while financial literacy remains lower than financial inclusion, creating a persistent capability gap in digital financial decision-making. This study examines the relationship between digital financial literacy and investment intention through two parallel mediators: financial self-efficacy and risk perception. Data were collected in 2026 from 120 Indonesian users of digital financial applications through purposive sampling and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 3. The measurement model met the required criteria for convergent validity, discriminant validity, and reliability. Digital financial literacy had significant positive effects on financial self-efficacy and risk perception, but its direct effect on investment intention was not statistically significant. Financial self-efficacy and risk perception each had significant positive effects on investment intention, and both specific indirect effects were significant while the direct path was not. These results establish an indirect-only mediation pattern in which digital financial literacy is associated with investment intention through financial confidence and informed risk perception. The study contributes to behavioral finance by demonstrating two parallel psychological mechanisms that connect digital financial literacy with investment intention and by highlighting practical implications for digital financial education.
From Digital Financial Literacy to E-Wallet Usage Decisions: The Mediating Role of Trust in Fintech Nataliana Bebasari; Elsye Fatmawati; Ibnu Andaris
Growth: Journal Management and Business Vol. 3 No. 02 (2025): December 2025
Publisher : Lentera Ilmu Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59422/growth.v3i02.1607

Abstract

Electronic wallets (e-wallets) have expanded access to digital payments in Indonesia, while usage decisions remain linked to users’ ability to evaluate digital financial services and their trust in providers. This study examines the influence of digital financial literacy on e-wallet usage decisions, with trust in fintech as the mediating variable. Data were collected from 75 active e-wallet users in Indonesia who were at least 18 years old and had used an e-wallet for a minimum of three months; respondents were selected through purposive sampling. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS. The measurement model met the reported reliability, convergent validity, and discriminant validity criteria. Digital financial literacy had a significant positive effect on trust in fintech, but its direct effect on e-wallet usage decisions was not statistically significant. Trust in fintech had a significant positive effect on e-wallet usage decisions, and the significant indirect path combined with the non-significant direct path indicates indirect-only mediation. The results establish trust in fintech as the mechanism through which digital financial literacy is associated with e-wallet usage decisions in this sample. The study contributes to digital financial behavior research and provides practical direction for fintech providers to strengthen trust alongside user financial capability.
Co-Authors Alifa Putri Daniyah Arsela Putri Arya Syah Ramadhan Aryanti, Siti Astin Rindi Astuti Aulia, Yuyun Chatarina Umbul Wahyuni Devi Yuliati Ratnasari Djatnicka, Erlina W Dwi Astuti Fadlurrahman, Irfan Fauziah, Ela Galih Khaerul Ichwan Herfiansyah, Raihan Ibnu Andaris Irfan Fadlurrahman Kuwat Riyanto Laela Nur Azizah Lisa Kustina Muhamad Syahwildan Muhammad agung rizki Muhammad Suryanegara Muhimah, Muhimah Muniah Muniah Nanda Hermafiani Nataliana Bebasari Oktaviano, Benny Oktavyani, Dini Parulian Parulian Parulian, Parulian Rahmahsari, Mutmainah Dwi Raihan Herfiansyah Ramadhan, Arya Syah Safitri, Fynna Alvionita Santi Kurnia Siti Rohimah Siti Rohimah Suwandi Suwandi Suwandi Suwandi Tan, Emmelia WIDIASTUTI - Widiastuti Widiastuti Wulandari, Dian Sulistyorini Yana, Ais Nur