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All Journal MIX : Jurnal Ilmiah Manajemen EduChild: Majalah Ilmiah Pendidikan Didaktik : Jurnal Ilmiah PGSD STKIP Subang Journal of Applied Data Sciences Jurnal Ilmiah Wahana Pendidikan Dikmas: Jurnal Pendidikan Masyarakat dan Pengabdian Prosiding Seminar Nasional Pengabdian Kepada Masyarakat KOLONI Jurnal Bisnis, Manajemen, dan Keuangan Ekopedia: Jurnal Ilmiah Ekonomi Jurnal Ilmiah Ekonomi dan Manajemen Indonesia
Annisa Lutfia
Universitas Negeri Jakarta
Religion Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Digital Financial Literacy, Entrepreneurial Competencies and Local Government Initiatives: Keys to SMEs’ Sustainability Ati Sumiati; Dwi Kismayanti Respati; Annisa Lutfia; Kuat Waluyo Jati
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.
PENGEMBANGAN MODUL PEMBELAJARAN INTERAKTIF BERBASIS APLIKASI KODULAR PADA MATA PELAJARAN BISNIS RITEL DI SMK NEGERI 6 JAKARTA Desti Hapsari; Annisa Lutfia; Kusworo
Didaktik : Jurnal Ilmiah PGSD STKIP Subang Vol. 12 No. 03 (2026): Volume 12 Nomer 03, September 2026 Publication
Publisher : STKIP Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36989/didaktik.v12i03.17312

Abstract

This study aims to develop and analyze the feasibility of an interactive, Kodular-based learning module for the retail business course at SMK Negeri 6 Jakarta. This study used the ADDIE model (Analysis, Design, Development, Implementation, and Evaluation). The module was developed with elements of product packaging and distribution in the retail business course. The research subjects were students in Grade XI Retail Business I and Grade XI Retail Business II at SMK Negeri 6 Jakarta. The results of the study on the interactive learning module based on the Kodular application indicated a “highly feasible” category, consisting of a 96% score from the media expert review, a 94% score from the content expert review, an 83% score from the instructional design expert review, and a 92% score from the student pilot test. Meanwhile, the results of the effectiveness test using the N-Gain method yielded an average score of 0.7, classified as “moderate.” These results indicate that using the module improved students’ learning outcomes compared to before its implementation. Thus, based on the evaluation results, the interactive learning module based on the Kodular application for the retail business course at SMK Negeri 6 Jakarta is deemed highly suitable and effective for use as a learning medium. This can assist students and teachers in independent learning activities.
Co-Authors Ahmad Syarif Amanda Chrisanty Wibowo Andi Muhammad Sadat Andini Destyaningrum Ati Sumiati Bagas Nursetyo Bagus Kharismawan Corry Yohana Daru Putri Kusumaningtyas Desti Hapsari Dwi Kismayanti Respati Fidhyallah, Nadya Fadillah Ivan Putranto Jati, Kuat Waluyo Kusworo Melianti Saruksuk Muhammad Fawaiq Nadila Nur Latifah Nilnal Muna Nurdin Hidayat Rachela Putri Hanasti Rina Herlina Rizka Zakiah Shelomita Joanna Siregar Singgih Habibie Ramadhan Wisuwat Wannamakok