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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 Paramacitra : Jurnal Pengabdian Masyarakat Ecoducation Ekopedia: Jurnal Ilmiah Ekonomi Jejak digital: Jurnal Ilmiah Multidisiplin Jurnal Bersama Ilmu Ekonomi Jurnal Sipakatau
Irianto, Ellen D. Oktanti
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Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Physics Social Sciences Veterinary 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.
Digital Financial Literacy: Training for Woman Enterpreneurs in Managing Online Transaction ZA, Saida Zainurossalamia; Ariswati, Lusiana Desy; Henrika, Margareth; Irianto, Ellen D. Oktanti; Aini, Rohana Nur Aini
Jurnal Sipakatau: Inovasi Pengabdian Masyarakat Vol. 2 No. 2 (2025): Jurnal Sipakatau
Publisher : PT. Global Research Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61220/jsipakatau.v2i2.252

Abstract

Digital financial literacy is an important skill for micro-entrepreneurs in dealing with the development of financial technology. However, many women entrepreneurs in the Samarinda City Joint Business Group (KUBe) still have a limited understanding of online transactions, digital financial recording, and security in using financial applications. This service program aims to improve digital financial literacy for five women entrepreneurs in KUBe through hands-on practice-based training and mentoring. The method used is participatory action research, which consists of four main stages: problem identification, training implementation, mentoring, and evaluation of results. The results of the service showed a significant improvement in various aspects of digital financial literacy. Participants' understanding of financial literacy increased by 68%, while skills in using digital payment applications increased by 122%. Awareness of online transaction security also increased by 115%, and business financial records increased by 86%. This increase shows that hands-on training is effective in improving participants' skills in managing digital transactions. The sustainability of this program is realized by the formation of a digital community to support participants in applying financial technology consistently. The results of this service are expected to be a model for other women's business groups in increasing economic independence through the use of digital financial technology. With increased digital financial literacy, women entrepreneurs can optimize online transactions, expand markets, and improve their economic welfare.
Co-Authors Adyutasara, Daiva Aini, Rohana Nur Aini Angriani ZN, Sefrimel Ariswati, Lusiana Desy Daruy, Farica Claresta Elliv Hidayatul Lailiyah Fajri, Mega Barokatul Gracyella, Ikka Henrika, Margareth Hergastaysmawan, Angga Juwita, Tia Permata Lusiana Desy Ariswati Mandese, Raka Restu Maulana, Muhammad Dimas Muhammad Ramadhani Kesuma Muslimatul Korip, Zahwa Nur, Aini Rohana Nursafitri, Sintia Rafikah Zulyanti, Noer Rohana Nur Aini Syah, Imran Widaryo, Chandika Mahendra ZA, Saida Zainurossalamia