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All Journal Management Studies and Entrepreneurship Journal (MSEJ) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Shela Dwi Widhya Sari
Universitas Negeri Surabaya
Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Kepemimpinan di Era Digital: Strategi Memimpin Bisnis di Tengah Perubahan Teknologi Sistematic Literatur Review Siti Mi'Danur Rahmah; Shela Dwi Widhya Sari; Ahmad Azharuddin; Siti Sri Wulandari; Yessy Artanti
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 6 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i6.7639

Abstract

                The digital era has changed the leadership paradigm, requiring leaders to integrate entrepreneurial skills with technological mastery. This study aims to analyze effective leadership strategies in the midst of digital transformation through a systematic literature review of recent studies (2015-2024). The findings show that entrepreneurial leadership-with characteristics such as strategic vision, adaptability, and risk-taking ability-is a crucial approach in dealing with technological disruption. Digital leaders not only need to leverage technologies such as AI and big data, but also build an organizational culture that supports innovation and collaboration. This research identifies gaps in the literature, especially in the context of SMEs, and offers practical recommendations in the form of digital competency development, data-driven approaches and controlled experiments. The results provide a holistic framework for leaders to spur digital transformation while maintaining organizational sustainability.
Pengaruh Financial Knowledge, Financial Attitude, Dan Digital Financial Literacy Terhadap Financial Behavior Pengguna E-Payment Di Provinsi Jawa Timur Shela Dwi Widhya Sari; Ulil Hartono; Harlina Meidiaswati
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 7 No. 5 (2026): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/99bkj628

Abstract

This study aims to analyze the influence of financial knowledge, financial attitude, and digital financial literacy on the financial behavior of Generation Z e-payment users in the Gerbangkertosusila area, East Java Province. The study is motivated by the increasing use of digital payment services that require individuals to manage their finances wisely in the digital era. This research employed a quantitative approach using a survey method. Data were collected through questionnaires distributed to 264 respondents selected using purposive sampling techniques. The analysis method used was Partial Least Squares–Structural Equation Modeling (PLS-SEM). The results indicate that financial knowledge, financial attitude, and digital financial literacy have a positive and significant effect on financial behavior. Digital financial literacy was found to have the strongest influence on financial behavior among Generation Z e-payment users. These findings support the Theory of Planned Behavior, Social Cognitive Theory, and Human Capital Theory, which explain that financial behavior is influenced by cognitive, attitudinal, and literacy factors. This study implies that improving financial literacy and financial attitudes can encourage more responsible financial behavior in the digital financial environment.
Co-Authors Ahmad Azharuddin Harlina Meidiaswati Siti Mi'Danur Rahmah Siti Sri Wulandari Ulil Hartono Yessy Artanti