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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 Perwira Journal of Community Development (PJCD) Paramacitra : Jurnal Pengabdian Masyarakat Ecoducation FORUM EKONOMI: Jurnal Ekonomi, Manajemen dan Akuntansi Ekopedia: Jurnal Ilmiah Ekonomi Jejak digital: Jurnal Ilmiah Multidisiplin
Ariswati, Lusiana Desy
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Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Civil Engineering, Building, Construction & Architecture 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.
Indirect Effects of Inflation and Monetary Tightening on Gold Prices in Indonesia: The Mediating Role of Rupiah Depreciation Ariswati, Lusiana Desy; Filani, Libran; Aini, Rohana Nur; Raihan, Muhammad
FORUM EKONOMI: Jurnal Ekonomi, Manajemen dan Akuntansi Vol. 27 No. Special Issue (2025): Desember
Publisher : FEB Universitas Mulawarman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/jfor.v27i1/4445

Abstract

This study offers a comprehensive examination of the macroeconomic factors influencing domestic gold prices in Indonesia, emphasizing the mediating role of Rupiah exchange rate depreciation. Utilizing 70 monthly observations from January 2020 to October 2025, a timeframe marked by the COVID-19 pandemic's disruptions, supply chain challenges, and global monetary shifts, the research draws on economic principles such as the quantity theory of money and the monetary trilemma to test seven hypotheses on direct and indirect effects. Empirical results confirm strong long-run cointegration among the variables, but reveal weak short-run transmission from inflation and the BI Rate to exchange rate movements. Exchange rate depreciation emerges as a borderline statistically significant driver of gold prices, while inflation and the BI Rate are not statistically significant predictors.This pattern indicates that the limited explanatory power of inflation and the BI Rate reflects the dominance of external shocks, such as global capital flows and international monetary tightening, rather than a weakness of the empirical model itself. These findings indicate that currency dynamics, rather than domestic macroeconomic fundamentals alone, constitute the dominant transmission channel for gold price movements in Indonesia, highlighting the fragility of standard macro-financial relationships in an emerging-market context
Co-Authors Anggriyani, Windi Assyifa, Adzra Rania Azzahra, Aji Sophia Henrika, Margareth Irianto, Ellen D Oktanti Irianto, Ellen D. Oktanti Korip, Zahwa Muslimatul Libran Filani Mantika, Syifa Unada Muhammad Ramadhani Kesuma Nabila, Selvi Intan Nur, Aini Rohana Pratiwi, Wanda Aulia Raihan, Muhammad Renata, Renata Rohana Nur Aini Wahidina, Wahidina Widaryo, Chandika Mahendra Yunita, Vilia