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All Journal SENTRALISASI Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Jurnal Ilmiah Mahasiswa Manajemen, Bisnis dan Akuntansi
Santoso, Eko Esti
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Digital Financial Literacy As an Antecedent to Financial Inclusion and MSME Performance Normawati, Rani Arifah; Santoso, Eko Esti; Latifah , Nunuk
SENTRALISASI Vol. 14 No. 1 (2025): January
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v14i1.3761

Abstract

MSMEs experience various vulnerabilities that emphasize the importance of government digital onboarding programs as part of financial inclusion. To address these challenges, it is crucial to understand the role of digital financial literacy in enhancing access to financial services and improving business performance. This study investigates the influence of digital financial literacy on financial inclusion and MSME performance, with a focus on digital finance adoption and access as key of financial inclusion. Employing a quantitative research approach, the study surveyed 400 MSMEs in East Java, Indonesia, using a structured questionnaire and purposive sampling technique. Descriptive statistical analysis was conducted to outline the characteristics of the data. To explore the relationships among the variables, Partial Least Squares Structural Equation Modeling (PLS-SEM) was utilized with WarpPLS software. The analysis reveals that digital financial literacy significantly impacts digital finance adoption, which, in turn, enhances MSME performance. However, access to digital finance, while positively associated with digital finance adoption, does not show a significant direct impact on MSME performance. The results highlight the need for targeted educational programs to boost digital financial literacy among MSMEs, ensuring that digital financial tools are effectively utilized to foster business growth and financial inclusion.
PERAN ENVIRONMENTAL POLICY SEBAGAI MODERASI PENGARUH GREEN INVESTMENT DAN CSR INVESTMENT TERHADAP FINANCIAL PERFORMANCE Fachrozi, Fachrozi; Mariana, Mariana; Santoso, Eko Esti
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 8 No 1 (2025): Artikel Riset Januari 2025
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v8i1.1797

Abstract

Perusahaan dalam mewujudkan industri yang ramah lingkungan harus melihat sebagai strategi bisnis untuk investasi jangka panjang. Investasi atas biaya lingkungan yang dikeluarkan dapat membuat perusahaan meraih respon positif dari investor berupa pangsa pasar yang semakin luas. Tujuan penelitian ini dilakukan untuk mengkaji dan mendapatkan bukti secara empiris mengenai peran Environmental Policy sebagai moderasi pengaruh Green Investment, CSR Investment terhadap Financial Performance. Penelitian yang digunakan dalam penelitian ini adalah penelitian kuantitatif. Populasi dalam penelitian ini semua perusahaan yang terdaftar dalam Jakarta Islamic Indeks (JII) periode tahun 2019-2023. Hasil penelitian ini menyatakan Green Investment dan CSR Investment mempunyai pengaruh signifikan terhadap Financial Performance dari perusahaan yang menjadi objek penelitian ini. Environmental Policy tidak mempunyai dampak yang signifikan terhadap Financial Performance. Peran Environmental Policy sebagai variabel moderasi juga tidak mempunyai efek atas pengaruh Green Investment dan CSR Investment terhadap Financial Performance.
Digital Financial Literacy pada Milenial: Pendekatan Knowledge, Attitude dan Behavior (KAB Model) Normawati, Rani; Santoso, Eko Esti
Jurnal Ilmiah Mahasiswa Manajemen, Bisnis dan Akuntansi (JIMMBA) Vol. 5 No. 1 (2023): JIMMBA
Publisher : LP3M Universitas Putra Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32639/jimmba.v5i1.253

Abstract

This study aims to determine digital financial literacy among millennials in the Surabaya area. The millennial generation has unique characteristics and is considered very close to technology, especially financial technology, so we are excited to examine millennial behaviour. Evaluation of digital financial literacy is carried out using a knowledge, attitude and behaviour approach, where financial knowledge, digital financial knowledge and financial attitude are determinants of financial behaviour. The research was conducted using a survey method on millennials in the 25-40 age group of 275 respondents. This study uses structural equation modelling (SEM) to estimate the relationship between variables. The analysis of the model shows that financial knowledge, digital financial knowledge and financial attitude affect financial behaviour. As a mediating variable, financial attitude affects it partially, which means the presence or absence of financial attitude, financial knowledge, and digital financial knowledge variables still have a positive and significant influence on financial behaviour
Co-Authors FACHROZI. F Latifah, Nunuk Mariana Mariana Normawati, Rani Normawati, Rani Arifah