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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 Jurnal Sipakatau
Ariswati, Lusiana Desy
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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
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 Aini, Rohana Nur Aini 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 ZA, Saida Zainurossalamia