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All Journal Jurnal Keuangan dan Perbankan JURNAL MANAJEMEN MOTIVASI International Journal of Economics Development Research (IJEDR) Journal of Islamic Economics Lariba
Rohmania, Aftuqa Sholikatur
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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The Role of Literacy and Government Support in Improving MSME Performance Through Digital Financial Services Adoption and Financial Inclusion Sholihah, Erlinda; Nurhapsari, Risma; Rohmania, Aftuqa Sholikatur
Jurnal Keuangan dan Perbankan Vol 27, No 3 (2023): July 2023
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v27i3.11147

Abstract

This study aims to identify the role of financial literacy, digital literacy, and government support mediated by digital financial services adoption and financial inclusion in influencing the financial performance of MSMEs in Central Java. The model in this study was developed from the RBV (Resource Based View) theoretical framework. This study is a type of quantitative study with an explanatory design. The population determined is MSMEs in the food and beverage sector of Central Java Province. The sample was selected using a simple random sampling of 238 respondents using Google Forms. Next, the data analysis technique used SEM-PLS with SmartPLS 3. This study found that financial literacy, government support, digital financial services adoption, and financial inclusion determine the financial performance of MSMEs. These four factors show a significant influence. On the contrary, digital literacy did not significantly affect MSMEs’ financial performance. This research contribution is theoretically expected to be useful in developing RBV (Resource Based View) theory. In addition, it is a direction for three parties (government, entrepreneurs, and financiers) in formulating policies related to strategies to optimize MSMEs’ financial performance based on digital technology. DOI: 10.26905/jkdp.v27i3.11147
Analysis of Perceived Financial Well-Being and Digital Financial Inclusion: Implications Well-Being of Muslim Women Entrepreneurs Rohmania, Aftuqa Sholikatur; Nurhapsari, Risma; Sholihah, Erlinda
International Journal of Economics Development Research (IJEDR) Vol. 5 No. 6 (2024): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v4i6.6784

Abstract

This study analyzes the impact of current financial management stress, expected future financial security, and digital financial inclusion on Muslim Women Entrepreneurs (WOEs) well-being. From an Islamic perspective, wise budgeting and retirement security are part of the ethical principles of Islamic economics that support individual well-being. Researchers also looked at how self-control functions as a moderating factor in the relationship between the well-being of Muslim WOE and the stress associated with money management today, future financial security expectations, and digital financial inclusion. The hope is to develop knowledge and essential components for achieving success in WOE within Central Java. Using both primary and secondary data sources, this study employs a quantitative methodology and an explanatory research design. Respondents were 200 MSMEs in the food or culinary sector in Central Java whose owners are Muslim women entrepreneurs. Data gathering through questionnaire distribution and analysis using the PLS-SEM method. The study results show that stress in current financial management greatly influences expected future financial security and the well-being of Muslim WOE. In addition, expected future financial security greatly influences well-being, while digital financial inclusion does not show a significant impact. Self-control has been shown to directly affect well-being, although it does not function as a moderating variable. These findings enrich the comprehension of the elements that contribute to the success of Muslim WOE in Indonesia's economic and social context, taking into account the Islamic values ??that underlie economic well-being.
Developing Islamic financial literacy in improving Islamic financial behavior towards the financial well-being of MSMEs: The moderating effect of e-payment usage Rohmania, Aftuqa Sholikatur; Sholihah, Erlinda; Nurhapsari, Risma
Journal of Islamic Economics Lariba Vol. 9 No. 2 (2023)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol9.iss2.art2

Abstract

IntroductionAs the country with the largest Muslim population in the world, Indonesia has the potential to develop the financial welfare of MSMEs as a driver of economic growth. However, studies on the financial well-being of MSMEs from an Islamic finance perspective are limited.ObjectivesThis study discusses the impact of Islamic financial literacy and Islamic financial behavior on the financial well-being of MSMEs, with e-payment usage as a moderating variable. MethodThis study used a quantitative approach with a sample of 200 culinary MSMEs in Semarang, Indonesia. Data collection was carried out using questionnaires, and data analysis was carried out using the partial least squares structural equation modelling technique.ResultsThe dimensions of Islamic financial literacy (Islamic financial knowledge, financial skills, and self-efficacy) have a significant positive effect on Islamic financial behavior. Islamic financial knowledge has no significant effect on financial well-being of MSMEs, whereas financial skills and self-efficacy have a significant positive effect. Islamic financial behavior has a significant positive effect on financial well-being of MSMEs. E-payment usage does not moderate the relationship between Islamic financial knowledge and financial skills towards Islamic financial behavior. ImplicationsThis study shows the importance of Islamic financial literacy and Islamic financial behavior to improving the financial welfare of MSMEs in Indonesia. The government and Islamic finance stakeholders in Indonesia need to continue to improve Islamic financial literacy and the Islamic financial behavior of society.Originality/NoveltyThis study contributes to the development of Islamic financial literacy and Islamic financial behavior as part of efforts to improve the financial welfare of MSMEs.
Enhancing MSME Resilience Through Digital Maturity and Dynamic Marketing Capabilities with Business Environment Support ML Tobing, Wesly Tumbur; Kurniawati, Nidya Oktavia; Rohmania, Aftuqa Sholikatur; Abdullah
JURNAL MANAJEMEN MOTIVASI Vol 21 No 2 (2025): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v21i2.8402

Abstract

This study investigates how dynamic marketing capabilities, digital maturity, and environmental support affect MSME resilience in Central Java. Based on data from 150 respondents analyzed using SEM-PLS, findings show that network capability, digital maturity, and environmental support positively influence resilience. In contrast, customer relationship management negatively affects resilience, while founding-team marketing has no significant effect. Digital maturity also weakens some capabilities. Only customer relationship management is moderated by environmental support. Results underscore the interplay of internal capabilities, digitalization, and external support in strengthening MSME resilience.ABSTRAK
Co-Authors Abdullah Erlinda Sholihah Kurniawati, Nidya Oktavia ML Tobing, Wesly Tumbur Nurhapsari, Risma