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All Journal Jurnal Riset Mahasiswa Akuntansi (JRMA) EDUNOMIC : JURNAL ILMIAH PENDIDIKAN EKONOMI FAKULTAS KEGURUAN DAN ILMU PENDIDIKAN JIPM: Jurnal Indragiri Penelitian Multidisiplin Journal of Studies in Academic, Humanities, Research, and Innovation Jurnal Bina Desa
Maghfirah Sari Azis
Unknown Affiliation
Religion Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Social Sciences Other

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Transformasi Digital pada UMKM: Penggerak Pertumbuhan Ekonomi dan Inklusi di Negara Berkembang Bahasoan, Awal Nopriyanto; Nur Qamariah S; Wahdaniah; Indayani B; Maghfirah Sari Azis
Jurnal Indragiri Penelitian Multidisiplin Vol. 5 No. 1 (2025): Jurnal Indragiri Penelitian Multidisiplin
Publisher : Indra Institute Research & Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58707/jipm.v5i1.1085

Abstract

Digital transformation has become a crucial driver of economic growth, especially in developing countries, playing a significant role in empowering Micro, Small, and Medium Enterprises (MSMEs). This article explores how MSMEs’ adoption of digital technology accelerates economic inclusion, enhances competitiveness, and fosters sustainable growth. Using a Systematic Literature Review (SLR) approach, this study identifies key factors influencing successful digital transformation, including access to technology, digital literacy, and policy support. The analysis reveals that MSMEs adopting digital transformation experience increased productivity, expanded market reach, and greater access to financial resources. However, challenges such as limited infrastructure and digital skill gaps remain significant barriers. This study provides strategic insights for policymakers and industry players to optimize the benefits of digital transformation in the MSME sector as a primary driver of inclusion and economic growth
Pemberdayaan Perempuan Muda Hindu Melalui Bengkel Penulisan Esai Sebagai Upaya Penguatan Literasi dan Ekspresi Intelektual Yani, Ni Luh Sinta; Sari, Puji Novita; Paramita, Septiannisa; Azis, Maghfirah Sari; Alrizqi, Damas Gianlugi
Jurnal Bina Desa Vol. 7 No. 3 (2025): Vol 7 No 3 (2025)
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jurnalbinadesa.v7i3.34191

Abstract

This community service program aims to empower young Hindu women through an essay writing workshop as an effort to strengthen literacy and intellectual expression. The background of this activity lies in the low ability of young Hindu women to write essays systematically, despite their high interest in writing. The method applied was Participatory Action Research (PAR), consisting of several stages: needs identification, activity planning, workshop implementation, reflection, evaluation, and follow-up in the form of publication of participants’ works. The program was carried out over eight weeks and involved young Hindu women facilitated by KMHDI. The results indicated significant improvement in participants’ literacy skills, particularly in essay structure, argumentation, and confidence in presenting ideas. Several participants successfully produced their first essays, some of which were published in KMHDI’s internal media. The implication of this program is the creation of a space for actualization that encourages young Hindu women to become more critical, reflective, and active in contributing to intellectual public discourse. 
KONTRIBUSI PENDIDIKAN EKONOMI INFORMAL DAN LITERASI KEUANGAN TERHADAP KEMANDIRIAN EKONOMI PEREMPUAN UMKM DIMODERASI DUKUNGAN KELUARGA Ampa, Andi Tenri; Andi Tonra Lipu; Andi Annisa Sulolipu; Ika Wisudawaty; Maghfirah Sari Azis
Edunomic : Jurnal Ilmiah Pendidikan Ekonomi Fakultas Keguruan dan Ilmu Pendidikan Vol 14 No 1 (2026): EDISI MARET
Publisher : FKIP Unswagati

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33603/ejpe.v14i1.11868

Abstract

This study aims to analyze the contribution of informal economic education and financial literacy to the economic independence of women MSMEs in Makassar City, and to examine the role of family support as a moderating variable. The study used a quantitative approach with a survey of 375 female MSMEs across sub-districts throughout Makassar City. Data were collected through questionnaires and analyzed using Structural Equation Modeling based on Partial Least Squares (SEM-PLS). The results indicate that informal economic education positively contributes to women's economic independence by improving entrepreneurial knowledge, managerial skills, and confidence in economic decision-making. Financial literacy has also been shown to strengthen economic independence through improved cash flow management, financial planning, and more rational financial decision-making. Furthermore, family support plays a role in strengthening the relationship between informal economic education and financial literacy and economic independence, making individual capacity and social support complementary factors in promoting women's economic empowerment. This research enriches the study of economic empowerment based on human resources and financial capabilities and provides practical applications for policies to develop women's MSME empowerment at the regional level.  Keywords: informal economic education, financial literacy, family support, economic independence, women's MSMEs
Peran Adopsi Digital dan Literasi Keuangan dalam Penguatan Praktik Pengelolaan Keuangan dan Ketahanan Ekonomi Rumah Tangga Mompreneur melalui Kinerja Usaha Azis, Maghfirah Sari; Nurliana, Nurliana; Habie, Rahmawati Sarizki
Jurnal Riset Mahasiswa Akuntansi Vol. 14 No. 1 (2026): JURNAL RISET MAHASISWA AKUNTANSI VOLUME 14 NOMOR 1 TAHUN 2026
Publisher : Fakultas Ekonomika dan Bisnis Universitas PGRI Kanjuruhan Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21067/jrma.v14i1.14010

Abstract

Studi ini menyelidiki bagaimana pemanfaatan teknologi digital dan keahlian keuangan meningkatkan kualitas pengelolaan keuangan dan memperkuat ketahanan ekonomi rumah tangga pada perempuan yang bekerja sebagai pemilik usaha. Fokus analisis terletak pada fungsi kinerja usaha sebagai alat yang menghubungkan kemampuan usaha internal dengan stabilitas ekonomi keluarga. Untuk tujuan ini, pendekatan kuantitatif digunakan dengan melibatkan 300 ibu rumah tangga yang dipilih di Kota Makassar, yang dipilih berdasarkan keterlibatan mereka yang aktif dalam pengelolaan keuangan dan usaha mikro. Structural Equation Modeling (SEM) digunakan untuk memeriksa hubungan antar konstruk langsung dan tidak langsung setelah data dikumpulkan menggunakan alat berbasis skala Likert. Hasil analisis menunjukkan bahwa pengetahuan teknologi digital dan keuangan meningkatkan kinerja bisnis, terutama melalui peningkatan praktik pencatatan transaksi, pengawasan arus kas, dan penerapan informasi keuangan dalam proses pengambilan keputusan. Dampak kedua komponen tersebut terhadap ketahanan ekonomi rumah tangga diperkuat oleh kinerja usaha. Hasilnya menunjukkan bahwa kemampuan digital dan kemampuan keuangan harus bekerja sama untuk menciptakan stabilitas ekonomi keluarga berbasis usaha mikro. Penelitian menekankan betapa pentingnya memperkuat keterampilan digital dan keuangan untuk mendukung praktik akuntansi usaha kecil yang lebih fleksibel dan berkelanjutan.
Digitalization And Smart Operations As Drivers Of Business Performance And Work Life Balance Among Mompreneurs In Makassar Maghfirah Sari Azis; Anendha Destantyo Nugroho
Journal of Studies in Academic, Humanities, Research, and Innovation Vol. 3 No. 1 (2026): Vol 3 No 1 June 2026
Publisher : Ponpes As-Salafiyyah Asy-Syafi'iyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71305/sahri.v3i1.1435

Abstract

This study investigates how digitalization and smart operations influence business performance and work–life balance among mompreneurs in Makassar, Indonesia. The rapid growth of digital platforms has opened opportunities for women entrepreneurs, yet many still face challenges in managing time, operational efficiency, and family responsibilities simultaneously. Therefore, this research aims to analyze how digital adoption and operational discipline contribute to both entrepreneurial success and personal well-being. The study employs a sequential explanatory mixed-method design, beginning with quantitative analysis of 154 survey responses using reliability testing and Partial Least Squares Structural Equation Modeling (PLS-SEM), followed by qualitative interviews with ten mompreneurs to capture practical insights. The quantitative findings reveal that digitalization and smart operations significantly and positively affect business performance (β = 0.46 and 0.31, p < 0.001) and work–life balance (β = 0.50 and 0.32, p < 0.001), with R² values of 0.457 and 0.449, respectively. The qualitative analysis supports these results, showing that digital tools such as online marketplaces, QR-based payments, and social media marketing enhance flexibility, confidence, and family collaboration. The synthesis of both phases confirms that digitalization and smart operations function as complementary enablers of inclusive and sustainable entrepreneurship for women. The study concludes that strengthening digital literacy, improving process discipline, and fostering peer mentoring can help mompreneurs achieve higher productivity while maintaining family harmony.
Co-Authors Andi Tenri Ampa Andi Tonra Lipu Anendha Destantyo Nugroho Bahasoan, Awal Nopriyanto Damas Gianlugi Alrizqi Ika Wisudawaty Indayani B Nur Qamariah S NURLIANA NURLIANA Paramita, Septiannisa Rahmawati Sarizki Habie Sari, Puji Novita Sulolipu, Andi Annisa Wahdaniah Yani, Ni Luh Sinta