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p-Index From 2020 - 2025
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All Journal Al-Kharaj: Journal of Islamic Economic and Business
Hikma Ramadani
Unknown Affiliation
Economics, Econometrics & Finance

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The Influence Of Financial Attitudes And Financial Capabilities In Improving Financial Welfare Through Digital Financial Literacy On Msme Actors Hikma Ramadani; Goso; Duriani
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 2 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i2.6993

Abstract

This study aims to analyze the influence of financial attitudes and financial abilities on financial welfare through digital financial literacy in MSME actors in Pancasila Field, Palopo City. Using a quantitative approach with a sample of 138 MSME actors, this study examined the direct and indirect relationships between variables using the PLS-SEM analysis technique. The results show that financial attitudes and financial ability have a significant positive influence on digital financial literacy, which in turn has a positive impact on financial well-being. A positive financial attitude can increase digital financial literacy, which then improves financial management and financial welfare of MSME actors. In addition, financial ability also plays an important role in facilitating the understanding of digital financial technology, which ultimately supports the improvement of financial well-being. This study suggests the importance of digital financial literacy education to empower MSME actors in managing their finances more efficiently and effectively.
The Influence Of Financial Attitudes And Financial Capabilities In Improving Financial Welfare Through Digital Financial Literacy On Msme Actors Hikma Ramadani; Goso; Duriani
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 2 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i2.6993

Abstract

This study aims to analyze the influence of financial attitudes and financial abilities on financial welfare through digital financial literacy in MSME actors in Pancasila Field, Palopo City. Using a quantitative approach with a sample of 138 MSME actors, this study examined the direct and indirect relationships between variables using the PLS-SEM analysis technique. The results show that financial attitudes and financial ability have a significant positive influence on digital financial literacy, which in turn has a positive impact on financial well-being. A positive financial attitude can increase digital financial literacy, which then improves financial management and financial welfare of MSME actors. In addition, financial ability also plays an important role in facilitating the understanding of digital financial technology, which ultimately supports the improvement of financial well-being. This study suggests the importance of digital financial literacy education to empower MSME actors in managing their finances more efficiently and effectively.
Co-Authors Duriani Goso , Goso