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All Journal Vokasi: Jurnal Riset Akuntansi Jurnal Penelitian Pendidikan Indonesia
Trisninawati Trisninawati
Bina Darma University
Economics, Econometrics & Finance Other

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Digital literacy model to improve the marketing skills of micro, small, and medium enterprises women with a community-based educational approach Trisninawati Trisninawati; Dewi Sartika
JPPI (Jurnal Penelitian Pendidikan Indonesia) Vol. 10 No. 2 (2024): JPPI (Jurnal Penelitian Pendidikan Indonesia)
Publisher : Indonesian Institute for Counseling, Education and Theraphy (IICET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/020244149

Abstract

Women in Micro, Small, and Medium Enterprises (MSMEs) often need help marketing their products or services, including limited access to resources for promotion and distribution. Restricted accessibility and a lack of understanding of digital technology are significant barriers limiting their marketing potential. Digital literacy becomes a crucial element that can change the paradigm and open opportunities for women MSMEs to overcome these challenges. This study aims to understand the experiences and skills of women MSMEs in applying digital literacy and propose a community-based education model to enhance marketing capabilities. This study uses a qualitative approach with a case study method. A total of 15 informants from the MSME community members of the Indonesian Muslim Entrepreneurs Association (IPMI) Palembang were selected based on inclusion criteria, including experience in the MSME business, a minimum education level of high school, and active involvement in marketing activities. Data were collected through in-depth interviews with an interview guide covering themes of digital literacy and marketing skills. Most respondents have a low level of digital literacy and limitations in using digital technology for business. The main challenges faced are difficulties adapting to digital technology and concerns about digital security. Most respondents still rely on conventional marketing methods and feel less confident managing digital marketing campaigns. Digital literacy and marketing skills remain significant challenges for women MSMEs in Palembang. A community-based education model is needed to overcome these obstacles, including digital literacy workshops, mentor-mentee programs, experience-sharing sessions, and specific skills training.
Pengaruh Literasi Keuangan, Financial Technology dan Self Control Terhadap Pengelolaan Keuangan UMKM Di Seberang Ulu 1 Kota Palembang Tania Tania; Trisninawati Trisninawati
Vokasi : Jurnal Riset Akuntansi Vol. 15 No. 2 (2026): Vokasi: Jurnal Riset Akuntansi
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/vjra.v15i2.120349

Abstract

Improving financial governance is now a primary priority for the MSME sector, particularly in the city of Palembang. This study investigates the impact of financial literacy, financial technology, and self-control on the financial management of micro, small, and medium enterprises. Utilizing a quantitative approach, the research involved 100 business actor respondents selected through random sampling. Questionnaires were employed as the data collection instrument, and the data was subsequently analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) technique via SmartPLS 4.1.1.6. The empirical findings confirm that all independent variables exert a positive and significant influence on financial management. The coefficient of determination (R-Square) value of 0.770 indicates that the model is capable of explaining 77.0% of the variance in financial management, while the remaining 23.0% is determined by other factors outside the research model. Cumulatively, enhancing literacy, maximizing technology utilization, and strengthening self-discipline prove essential in boosting the financial quality of MSMEs.
Co-Authors Dewi Sartika Tania Tania