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All Journal Enrichment : Journal of Management Journal of Economics Research and Policy Studies Jurnal Ilmu Sosial dan Humaniora Journal of Artificial Intelligence and Digital Business Jurnal Ekonomi Pembangunan, Manajemen & Bisnis, Akuntansi Priviet Social Sciences Journal Jurnal Sipakatau Paramacitra : Jurnal Pengabdian Masyarakat Ecoducation Jurnal Ragam Pengabdian Ekopedia: Jurnal Ilmiah Ekonomi Jejak digital: Jurnal Ilmiah Multidisiplin
Henrika, Margareth
Unknown Affiliation
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Can financial literacy drive microentrepreneur success in digital economies? Kesuma, Muhammad Ramadhani; Ariswati, Lusiana Desy; Henrika, Margareth; Widaryo, Chandika Mahendra; Irianto, Ellen D. Oktanti; Aini, Rohana Nur
Journal of Economics Research and Policy Studies Vol. 5 No. 3 (2025): Journal of Economics Research and Policy Studies
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/jerps.v5i3.2280

Abstract

Microentrepreneurship significantly contributes to economic development in resource-rich regions like East Kalimantan, yet faces challenges due to low financial literacy and limited digital adoption. Existing research highlights the importance of financial literacy for business success, but underexplores the role of digital financial literacy and regional contexts. This study investigates how financial literacy and digital financial literacy influence microentrepreneur success, with financial planning as a mediating factor. Using a quantitative approach with Partial Least Squares Structural Equation Modeling, data were collected from 160 microentrepreneurs in East Kalimantan. The findings reveal that financial literacy directly enhances business success, while digital financial literacy impacts success indirectly through financial planning. The model explains 60.8% of the variance in microentrepreneur success, emphasizing the critical role of structured financial strategies. These results suggest that integrating digital tools into financial education can foster sustainable business growth.
Co-Authors Alviano, Kevin Anggraini, Reni Retno Annisa Mawardah Aprilia, Wiena Ariswati, Lusiana Desy Feryanto Feryanto Halomoan Sinaga, Tunggul Irianto, Ellen D Oktanti Irianto, Ellen D. Oktanti Kesuma, Muhammad Ramadhani Lusiana Desy Ariswati Muhammad Ramadhani Kesuma Nur, Aini Rohana Rohana Nur Aini Said, Arvin Simangunsong, Abraham Peeter Bongiovi Widaryo, Chandika Mahendra Yudianti, Francisca Ninik ZA, Saida Zainurossalamia Zahrina, Nadia