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All Journal Jurnal Manajemen dan Kewirausahaan (JMDK) Distribusi EKUITAS (Jurnal Ekonomi dan Keuangan) Jurnal Manajemen Bisnis dan Kewirausahaan BASKARA: Journal of Business and Entrepreneurship Ilomata International Journal of Management
Dwi Rahmawati
Administrasi Bisnis, Universitas Terbuka
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences Other

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Financial literacy, digital transformation adoption, and their significance to the MSMEs performance in Bandung city Dwi Rahmawati; Abdurrahman Rahim Thaha; Agus Priyanto
Jurnal Manajemen Bisnis dan Kewirausahaan Vol 7 No 1 (2023): Jurnal Manajemen Bisnis dan Kewirausahaan
Publisher : Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmbk.v7i1.20702

Abstract

Financial and digital literacy has been recognized as a crucial information resource for financial decision-making, but the impact of MSME’s financial and digital literacy on sustainability has received little attention. This study intends to examine the growth of MSME’s financial knowledge and technology adoption-related obstacles. A solid business foundation, which is sorely needed, can be created by training MSMEs about financial and digital literacy in a systematic, integrated, and sustainable way. This study is quantitative research considering it employs descriptive statistical analysis of numerical data, especially the partial least square method, to examine the impact of financial and digital literacy on the performance of MSMEs. The 237 respondents in Bandung who participated in a self-administered survey were used to get the data during the third quarter of 2022. The study proved that the performance of entrepreneurs was statistically influenced by financial literacy and digital transformation adoption. Comparing the two major attributes, digital transformation has a higher score in impacting the MSME’s performance. Bandung is one of the key pillars of the local economy, especially MSMEs where performance is affected majorly by digital transformation adoption. Literasi keuangan dan digital telah diakui sebagai sumber informasi penting untuk pengambilan keputusan keuangan, tetapi dampak literasi keuangan dan digital UMKM terhadap keberlanjutan kurang mendapat perhatian. Penelitian ini bermaksud untuk mengkaji pertumbuhan pengetahuan keuangan UMKM dan hambatan terkait adopsi teknologi. Fondasi bisnis yang kokoh, yang sangat dibutuhkan, dapat diciptakan dengan melatih UMKM tentang literasi keuangan dan digital secara sistematis, terintegrasi, dan berkelanjutan. Penelitian ini merupakan penelitian kuantitatif mengingat menggunakan analisis statistik deskriptif data numerik, khususnya metode Partial Least Square, untuk mengkaji dampak literasi keuangan dan digital terhadap kinerja UMKM. Ke-237 responden di Bandung yang mengikuti survei swakelola digunakan untuk mendapatkan data selama kuartal III-2022. Studi ini membuktikan bahwa kinerja wirausahawan secara statistik dipengaruhi oleh literasi keuangan dan adopsi transformasi digital. Membandingkan dua atribut utama, transformasi digital memiliki skor yang lebih tinggi dalam mempengaruhi kinerja UMKM. Bandung merupakan salah satu pilar utama perekonomian lokal, khususnya UMKM dimana kinerjanya sangat dipengaruhi oleh adopsi transformasi digital.
Evaluating the Social and Economic Impact of Batik Industry Development in West Java: An SROI Approach Dwi Rahmawati; Nancy Margried Panjaitan
Jurnal Manajemen dan Kewirausahaan Vol. 13 No. 1 (2025): June (2025)
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jmdk.v13i1.15399

Abstract

Indonesia’s batik industry has seen fluctuating export trends, peaking at USD 744.79 million in 2022 before declining by 13.51% in 2023. To support batik artisans, Deposit Insurance Corporation is called Lembaga Penjamin Simpanan (LPS) in Indonesia and Batik Fractal launched a corporate social responsibility (CSR) initiative—an end-to-end business training program in Sukabumi and Cianjur, West Java. This study evaluates its impact using the Social Return on Investment (SROI) framework, which measures social, economic, and environmental benefits. The program improved artisans’ digital literacy with jBatik applications, enhanced design creativity, strengthened financial management, and optimized pricing strategies and social media use. The SROI ratio of 17.039 indicates that every Rp 1 invested generates Rp 17,039 in social impact, demonstrating the program’s efficiency. These findings emphasize the need for structured training, certification, and mentorship to preserve traditional batik techniques while fostering innovation. Market expansion through digital platforms, branding, and export assistance, along with financial support, can enhance industry sustainability. Furthermore, adopting technology, such as blockchain for authenticity verification and eco-friendly innovations, can modernize the sector. This study highlights the effectiveness of targeted interventions in strengthening economic resilience and safeguarding Indonesia’s cultural heritage.
The Impact of Financial Literacy and Digital Transformation on MSME Performance in Bandung City Dwi Rahmawati; Destiana Destiana; Jufri Yandes
BASKARA : Journal of Business and Entrepreneurship Vol. 8 No. 1 (2025): BASKARA: Journal of Business and Entrepreneurship
Publisher : Universitas Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54268/baskara.v8i1.28752

Abstract

Micro, small, and medium-sized enterprises (MSMEs) play an influential part in the economy of Indonesia. Their contribution to economic development is often hindered by insufficient financial literacy and a slow adoption of digital transformation. Enhancing these areas is crucial for boosting competitiveness, resilience, and sustainable growth. This research examines the impact of financial literacy, financial attitudes, financial satisfaction, and digital transformation on the performance of MSMEs in Bandung City. A quantitative research approach was utilized, employing primary data gathered through structured questionnaires given to MSME proprietors. The data analysis was completed using the partial least squares (PLS) technique, with the measurement model evaluated through convergent validity, discriminant validity, and reliability tests to maintain methodological rigor. The findings demonstrate that financial literacy, financial attitudes, financial satisfaction, and digital transformation each have a partial yet significant impact on MSME performance. The findings underscore the importance of integrating financial capability development with strategies for digital adoption to enhance business performance. The uniqueness of this research lies in its integration of financial behaviors and digital transformation aspects, providing a more comprehensive understanding of the factors influencing MSME performance. This study presents practical recommendations for policymakers and business leaders in developing strategies that enhance MSME competitiveness in the digital economy
GREEN PRODUCT STRATEGIES, COMPETITIVE ADVANTAGE, AND FIRM PERFORMANCE OF BATIK MICRO, SMALL, AND MEDIUM ENTERPRISES Destiana Destiana; Dwi Rahmawati; Husna Puteri Pertiwi
EKUITAS (Jurnal Ekonomi dan Keuangan) Vol 10 No 2 (2026): June
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya(STIESIA) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24034/j25485024.y2026.v10.i2.7884

Abstract

UNESCO recognized Batik, Indonesian cultural heritage, as aesthetically and symbolically significant, serving a vital economic role. However, conventional batik production methods pose serious environmental issues due to the usage of toxic chemicals and inadequate waste management. The green product concept comprising green input, green process, and green output have emerged as a sustainable solution. This quantitative study examines the impact of three green aspects on the performance of Micro Small Medium Enterprises (MSMEs), using competitive advantage as a mediating variable. Data were gathered from 39 batik Micro Small Medium Enterprises in Solo, Bandar Lampung, and Serang utilizing surveys with a five-point Likert scale. Then, data were analyzed using (PLS-SEM). The results indicate that green process and green output have a significant effect on both competitive advantage and MSMEs performance. In contrast, green input does not show a significant effect. Furthermore, competitive advantage is proven to have a strong positive impact on MSME performance. In the findings, while environmentally friendly raw materials are important, consumers place greater emphasis on visible product attributes such as quality, durability, eco labels, and official certifications. Therefore, batik enterprises should integrate sustainable practices not only in inputs, but also crucially in the processes and outputs to enhance competitiveness, build customer trust, and ensure long term business sustainability.
QRIS MOBILE PAYMENT ADOPTION AMONG JABODETABEK’S GEN Z: A UTAUT STUDY Dwi Rahmawati; Destiana Destiana; Rozainun Haji Abdul Aziz; Jufri Yandes
Distribusi - Journal of Management and Business Vol. 14 No. 2 (2026): Distribusi, September 2026
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/distribusi.v14i2.707

Abstract

The rapid development of mobile payment systems has transformed consumer behavior, particularly among Generation Z, who are considered digital natives. In Indonesia, the Quick Response Code Indonesian Standard (QRIS) was introduced as a standardized QR payment system to enhance transaction efficiency, safety, and accessibility. This study investigates the adoption of QRIS among Generation Z in the JABODETABEK region and examines how factors derived from the Unified Theory of Acceptance and Use of Technology (UTAUT)—Performance Expectancy, Effort Expectancy, Social Influence, and Facilitating Conditions—influence Behavioral Intention and Use Behavior. Data was collected through surveys distributed to 450 Generation Z respondents across Jakarta, Bogor, Depok, Tangerang, and Bekasi. Using Structural Equation Modeling with Partial Least Squares (PLS-SEM), results reveal that Performance Expectancy (β=0.432, p<0.001), Effort Expectancy (β=0.146, p=0.020), and Social Influence (β=0.290, p<0.001) significantly predict Behavioral Intention, while Facilitating Conditions (β=0.232, p=0.001) and Behavioral Intention (β=0.354, p<0.001) significantly predict Use Behavior. The findings indicate that adoption of QRIS is not only driven by perceived utility and ease of use but also by peer influence and infrastructural support. Implications highlight the need for targeted financial literacy programs and strategic collaboration between regulators and fintech providers to encourage responsible financial behavior among Generation Z.
The Impact of Financial Literacy and Digital Transformation on MSME Performance in Bandung City Dwi Rahmawati; Destiana Destiana; Jufri Yandes
BASKARA : Journal of Business and Entrepreneurship Vol. 8 No. 1 (2025): BASKARA: Journal of Business and Entrepreneurship
Publisher : Universitas Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54268/baskara.v8i1.28752

Abstract

Micro, small, and medium-sized enterprises (MSMEs) play an influential part in the economy of Indonesia. Their contribution to economic development is often hindered by insufficient financial literacy and a slow adoption of digital transformation. Enhancing these areas is crucial for boosting competitiveness, resilience, and sustainable growth. This research examines the impact of financial literacy, financial attitudes, financial satisfaction, and digital transformation on the performance of MSMEs in Bandung City. A quantitative research approach was utilized, employing primary data gathered through structured questionnaires given to MSME proprietors. The data analysis was completed using the partial least squares (PLS) technique, with the measurement model evaluated through convergent validity, discriminant validity, and reliability tests to maintain methodological rigor. The findings demonstrate that financial literacy, financial attitudes, financial satisfaction, and digital transformation each have a partial yet significant impact on MSME performance. The findings underscore the importance of integrating financial capability development with strategies for digital adoption to enhance business performance. The uniqueness of this research lies in its integration of financial behaviors and digital transformation aspects, providing a more comprehensive understanding of the factors influencing MSME performance. This study presents practical recommendations for policymakers and business leaders in developing strategies that enhance MSME competitiveness in the digital economy
Determinants of Financial Literacy and Investment Decisions Among Generation Z in Indonesia Dwi Rahmawati; Destiana Destiana; Husna Putri Pertiwi; Laras Ayu Andini
Ilomata International Journal of Management Vol. 7 No. 4 (2026): October 2026
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v7i4.2422

Abstract

This study examines the major determinants associated with financial literacy and investment choices among Generation Z in Indonesia, a generation of digital natives experiencing severe financial management issues. Utilizing a quantitative approach with multiple linear regression, the research analyzes data from 315 respondents across ten Indonesian provinces to explore the relationships between demographic factors, financial attitudes, behaviors, and knowledge. The findings indicate that demographic variables alone are inconsistent predictors of financial literacy, with gender emerging as the only significant partial predictor (t=-2.380). Instead, a combination of cognitive and behavioral factors, specifically financial knowledge (t=3.352) and access to information (t=3.274), are significantly associated with investment activity, while Model 1 demonstrates the strongest overall fit (F=43.291, R=0.749). The study reveals a notable behavioral gap where responsible daily money management does not necessarily translate into increased investment growth, highlighting income as a critical determinant for market participation. While Generation Z benefits from high digital literacy and easy access to diverse financial products via social media, they often struggle with the "YOLO" (You Only Live Once) mentality, which prioritizes immediate spending over long-term saving and retirement planning. The research offers essential insights for financial institutions and regulators seeking to close the literacy-inclusion gap and empower the forthcoming generation of Indonesian investors.
Co-Authors Abdurrahman Rahim Thaha Agus Priyanto Destiana Destiana Husna Puteri Pertiwi Husna Putri Pertiwi Jufri Yandes Laras Ayu Andini Nancy Margried Panjaitan Rozainun Haji Abdul Aziz