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All Journal Jurnal Ekonomi & Bisnis PNJ (JEKBIS PNJ) Jurnal Administrasi Bisnis Jurnal VOK@SINDO PROFIT : Jurnal Administrasi Bisnis Asia-Pacific Management and Business Application JIKA: Jurnal Ilmu Keuangan dan Perbankan JOURNAL OF APPLIED BUSINESS ADMINISTRATION El-Barka: Journal of Islamic Economics and Business Jurnal Aplikasi Dan Inovasi Ipteks SOLIDITAS Global Financial Accounting Journal Abdimas: Jurnal Pengabdian Masyarakat Universitas Merdeka Malang Jurnal Abdi Insani Jurnal Performa : Jurnal Manajemen dan Start-up Bisnis Jurnal EK dan BI Jurnal Pengabdian dan Peningkatan Mutu Masyarakat (JANAYU) Jurnal Pengabdian Masyarakat Indonesia PRIMA : Portal Riset dan Inovasi Pengabdian Masyarakat Jurnal Informasi dan Komunikasi Administrasi (JIKAP) Economics, Business, Accounting & Society Review e-Jurnal Apresiasi Ekonomi Jurnal Bisnis Corporate Jurnal Administrasi Profesional Jurnal Pengabdian Kepada Masyarakat Jurnal Aplikasi Bisnis OPTIMA Jejak digital: Jurnal Ilmiah Multidisiplin Jurnal Kajian Bimbingan dan Konseling
Rachma Bhakti Utami
Politeknik Negeri Malang
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Journal : Economics, Business, Accounting

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Integrating Financial Education and Digital Innovation to Enhance Financial Behavior in Heritage-Based Microenterprises in Malang City Abidin, Zahroh; Pamungkas, Maria Goretti Wi Endang Nirowati; Utami, Rachma Bhakti; Yuniarto, Saiful Rahman; Nurtjahjono, Gunawan Eko
Economics, Business, Accounting & Society Review Vol. 4 No. 3 (2025): Economics, Business, Accounting & Society Review
Publisher : International Ecsis Association

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55980/ebasr.v4i3.282

Abstract

The rapid growth of digital technology and the increasing importance of financial literacy have redefined entrepreneurial behavior, particularly among small business owners in developing countries. In Indonesia, many small and medium enterprises (SMEs) continue to face challenges in financial management and technology adoption, especially in heritage-based economies such as Kampoeng Heritage Kajoetangan, Malang City. This study aims to examine the relationship between financial education, digital innovation, and financial behavior among micro and small entrepreneurs operating within this cultural and economic setting. This research employs an explanatory quantitative design using survey data collected from 50 SMEs. The data were analyzed through Partial Least Squares (PLS) to test the structural relationships between the variables. The results reveal that both financial education and digital innovation have positive and significant effects on financial behavior, with financial education demonstrating a stronger influence. Entrepreneurs with higher financial literacy tend to exhibit more responsible financial decision-making, while digital innovation enhances financial efficiency and accessibility through technology-based operations. These findings underscore the complementary role of education and digital innovation in fostering rational and sustainable financial behavior among SMEs. The study highlights the importance of integrating financial literacy programs with digital capacity-building initiatives to strengthen entrepreneurial resilience. Policymakers are encouraged to design targeted interventions that expand access to financial education and digital infrastructure, particularly in cultural tourism areas where micro enterprises play a key role in local economic development.
Co-Authors Abidin, Zahroh Adellia Elzai Ratna Sari Aditiya hermansah, Celvin Aini, Yulis Nurul Alfani Putri Fahira Amalia, Yessy Yuliana Arianti, Fika Ary Kartikasari, Dinar Atika Noor Aziza Aulia, Nafisha Ilmi Azizah, Siti Nur Fikriyyatul Azna Abrory Wardana Bernanda Alyansa, Refi Cacik Rut Damayanti Claudya Ramad, Findi Damayanti, Cacik Rut Deni Kusumawardani Dinda Nabilah Rahmasari Dja'far, Veri Hardinansyah Djajanto, Ludfi Dwi Pribadi, Joni Dwiatmanto Dwiatmanto Ekawati, Agis Faizah, Nisa Revinia Feby Naomi Kardila Felisha, Devi Fiernaningsih , Nilawati Fiernaningsih, Nilawati Gunawan Eko Nurtjahjono, Gunawan Eko Hasan, Halid Heni Wijayanti Husaini, Syarif Indrayati, Indrayati Jaelan, Ahmad Jaswadi JASWADI, Jaswadi Kurnianingsih, Devi Kusairi Kusairi Laidya Amalia Putri Lestari, Puspa Putri Lyla Rachmaningtyas Maria Goretti Wi Endang Maria Goretti Wi Endang Nirowati Pamungkas Maskur Maskur Mufarrohah, Mufarrohah Muhammad Januar Farrel Muhammad Nur Ilham Maulana Musthofa Hadi, Musthofa Nabilah Rahmasari, Dinda Nesya Mutiara Ardana Nikmah, Farika Nila Firdausi Nuzula Nilawati Fiernaningsih Novendri, Annisa Fitri Nurhalizah, Marshanda Rahmatillah Palupi, Ratnaning Pamungkas, Maria Goretti Wi Endang Nirowati Permatasari, Faudina Prasetya, Aliya Afifah Puput Permatasari Putra Indonesia, Tegar Putri, Laidya Amalia Raden Rustam Hidayat Rahmatillah Nurhalizah, Marshanda Ratnasari, Adellia Elza Rini Agustina Sabrina, Melda Safira, Aiyis Sifa Saiful Rahman Yuniarto Salim, M. Alfi Nuris Sana, Salma Santoso, Eko Boedi Soebagyo Soebagyo Sovia Rosalin Sri Mangesti Rahayu Sumiadji - Tanzila Fitriana, Kumaira Tri Mega Asri, Tri Mega Uno, Devi Oktavia Wahyudi, Fatimah Az Zahra Yulistyawati Evelina, Tri Zahro Zainal Abidin Zahroh Zainal Abidin Zubaidi Zubaidi