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All Journal Jurnal Informasi dan Teknologi Journal La Bisecoman
Faisal Rizal Zainal
Institut Teknologi Dan Bisnis Nobel Indonesia
Computer Science & IT Economics, Econometrics & Finance

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The Impact of Financial Literacy and Digital Finance Applications on Household Consumption Patterns in the Digital Age: Evidence from Makassar Sri Prilmayanti Awaluddin; Andi Ummul Khair; Eka Wijaya Paula; Faisal Rizal Zainal; Deni Anggreani Sutomo
Jurnal Informasi dan Teknologi 2025, Vol. 7, No. 2
Publisher : SEULANGA SYSTEM PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60083/jidt.vi0.647

Abstract

This study aims to examine the influence of financial literacy and digital financial applications on household consumption patterns in the digital era, with a case study conducted in Tamalanrea District, Makassar City. The research uses a quantitative associative approach with a multiple linear regression method. Data were collected from 100 household respondents selected through purposive sampling, based on their active use of digital financial services such as e-wallets, mobile banking, and paylater features. The primary variables studied include financial literacy (X₁), digital financial application usage (X₂), and household consumption patterns (Y). The results show that both financial literacy and digital financial application usage significantly affect household consumption patterns, both partially and simultaneously. Financial literacy positively influences rational financial behavior, including budgeting, prioritizing needs over wants, and managing spending. Meanwhile, the use of digital financial applications also positively affects consumption patterns by increasing access and ease of transactions, although it may also trigger impulsive behavior when not controlled by financial awareness. The F-test result shows that the model is statistically significant, with an R² value of 0.627, indicating that 62.7% of the variation in household consumption patterns can be explained by the two independent variables. This study highlights the importance of strengthening digital financial literacy and developing public policies to regulate fintech platforms. Efforts should be directed at building a healthy consumption ecosystem in the digital economy through collaborative efforts between the government, education institutions, and financial technology providers.
Entrepreneurial Leadership and SME Performance: Examining the Mediating Role of Innovation Capability : JEL Classification: L26; O31; L25; M12; M13 Mariah Mariah; Yuswari Nur; Faisal Rizal Zainal
Journal La Bisecoman Vol. 7 No. 5 (2026): Journal La Bisecoman
Publisher : Newinera Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/journallabisecoman.v7i5.5183

Abstract

This study examined the effect of entrepreneurial leadership on SME performance through the mediating role of innovation capability among Micro, Small, and Medium Enterprises (SMEs) in Makassar City, Indonesia. A quantitative approach with an explanatory research design was employed. Data were collected from 80 SME owners and managers using purposive sampling and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The results revealed that entrepreneurial leadership positively and significantly affects innovation capability and SME performance. Innovation capability also has a positive and significant effect on SME performance and significantly mediates the relationship between entrepreneurial leadership and SME performance. These findings indicate that entrepreneurial leadership contributes to improved business performance both directly and indirectly through the development of innovation capability. The study concludes that innovation capability serves as an important mechanism linking entrepreneurial leadership to SME performance. The findings support the Resource-Based View and Dynamic Capability Theory and provide empirical evidence on the importance of entrepreneurial leadership and innovation capability in enhancing SME performance.
Co-Authors - Sri Prilmayanti Awaluddin, - Andi Ummul Khair Deni Anggreani Sutomo Mariah, Mariah Paula Eka Wijaya Yuswari Nur