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All Journal Jurnal Manajemen dan Ekonomi Kreatif Journal of Sharia Business Management
Sinta Nova
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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Peran Teknologi (Media Sosial) Terhadap UMKM yang Dapat Meningkatkan Pembangunan Ekonomi Andini Fadhila Hsb; Juwita Nur Pramita; Nur Anisah Hrp; Sinta Nova
Jurnal Manajemen dan Ekonomi Kreatif Vol. 3 No. 1 (2025): Jurnal Manajemen dan Ekonomi Kreatif
Publisher : Universitas Kristen Indonesia Toraja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jumek.v3i1.536

Abstract

Micro, small and medium enterprises (MSMEs) are the focus of this study, which seeks to examine how technological advances can increase their competitiveness and contribute to overall economic growth. This study found that MSMEs can benefit from e-commerce, social media, and financial technology, as well as other forms of technology, by reviewing the literature and conducting case studies. The results show that with the right innovation, operational efficiency, market expansion and access to capital can be significantly improved. However, there are a number of obstacles to technology adoption that this study highlights for MSMEs, including inadequate digital infrastructure and a lack of digital skills.
ANALISIS PERSEPSI MAHASISWA TERHADAP LITERASI KEUANGAN DIGITAL DALAM PENGELOLAAN KEUANGAN PRIBADI M. Azy Rahmanda; Sabrina Noor Wijaya; Abdul Azis; Sinta Nova; Reni Ria Armayani Hasibuan
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The development of digital technology has driven significant transformations in the financial system, including among university students, a young age group that predominantly uses digital financial services. Students are increasingly familiar with the use of e-wallets, mobile banking, and digital investments in their daily financial activities. However, the high adoption rate of these services is not always accompanied by adequate levels of digital financial literacy. This study aims to analyze students’ perceptions of digital financial literacy and its implications for personal financial management. The research method used a qualitative approach through literature review by analyzing journal articles, books, and relevant scientific documents. The results indicate that students’ understanding of e-wallets, mobile banking, and digital investments positively influences personal financial management behaviors, such as budget planning, spending control, and saving and investment decisions. However, limited understanding of the risks, data security, and long-term consequences of using digital financial services remains a major challenge. Therefore, improving digital financial literacy that is applicative and practice-oriented is needed to support wiser and more sustainable personal financial management of students in the digital era
Co-Authors Abdul Azis Andini Fadhila Hsb Juwita Nur Pramita M. Azy Rahmanda Nur Anisah Hrp Reni Ria Armayani Hasibuan Sabrina Noor Wijaya