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All Journal JEPA (Jurnal Ekonomi Pertanian dan Agribisnis) Jurnal AGRISEP: Kajian Masalah Sosial Ekonomi Pertanian dan Agribisnis
Bobihu, Nofita
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Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences

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Enhancing Business Performance through Digital Financial Literacy: Evidence from Gorontalo Adam, Echan; Bobihu, Nofita; Boekoesoe, Yuriko
Jurnal AGRISEP JURNAL AGRISEP VOL 24 NO 02 2025 (SEPTEMBER)
Publisher : Badan Penerbitan Fakultas Pertanian, Universitas Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31186/jagrisep.24.02.525-546

Abstract

The digital financialization of Micro, Small, and Medium Enterprises (MSMEs) increases access to information and facilitates resource management. During the pandemic, there was a significant surge in digital transactions, increasing sales of several products, with Gorontalo Province experiencing a 3.57% rise. This research investigates the impact of social factors on digital financial literacy and their influence on the performance of MSMEs. Conducted in Gorontalo City from March to July 2024, this research employed an explanatory approach, focusing on the founders of MSMEs, specifically 50 individuals who served as respondents. Primary data was collected through structured interviews using questionnaires. The analysis utilized Structural Equation Modeling-Partial Least Squares (SEM-PLS), supported by Smart-PLS 3.0 software. The findings reveal that social factors significantly influence digital financial literacy, although they do not directly affect MSMEs' performance. Digital technology, however, has a significant impact on MSMEs' performance and mediates the relationship between social factors and performance. Despite these advancements, many MSME actors lack proper financial management practices, such as recording daily cash inflows and outflows, limiting their financial awareness. Targeted financial education programs are essential and include hands-on training on the use of financial management applications for tracking income and expenses. Furthermore, collaborations with financial institutions, fintech platforms, and e-commerce providers can facilitate training in digital financial tools and services. Although participation in such initiatives is currently limited, institutions like Bank Indonesia can scale up efforts to develop model MSMEs that inspire broader adoption of digital financial practices among other enterprises.
FAKTOR-FAKTOR YANG MEMPENGARUHI LITERASI KEUANGAN DIGITAL TERHADAP KINERJA UMKM DI GORONTALO Bobihu, Nofita; Adam , Echan; Boekoesoe, Yuriko
Jurnal Ekonomi Pertanian dan Agribisnis Vol. 10 No. 1 (2026)
Publisher : Department of Agricultural Social Economics, Faculty of Agriculture, Brawijaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/

Abstract

Penelitian ini bertujuan untuk mengidentifikasi: 1) Apakah faktor sosial seperti usia,pendidikan,lama usaha,motivasi,lingkungan berpengaruh terhadap literasi keuangan digital dan apakah literasi keuangan digital berpengaruh terhadap kinerja umkm  . Penelitian ini dilakukan selama 5 Bulan dari mulai bulan maret sampai dengan juli 2024. Jenis penelitian ini adalah penelitian eksplanatori dengan penedekatan kuantitatif. Teknik pengumpulan data dilakukan dengan menggunakan kuisioner (angket). ata menggunakan metode Structural Equation Modeling–Partial Least Squares (SEM-PLS) dengan bantuan perangkat lunak SmartPLS 3.0. Hasil penelitian ini menunjukan bahwa variabel faktor sosial seperti usia,pendidikan ,lama usaha,motivasi,lingkungan berpengaruh terhadap literasi keuangan digital. tetapi tidak berpengaruh secara langsung terhadap kinerja UMKM. Sebaliknya, teknologi digital terbukti berperan signifikan dalam meningkatkan kinerja UMKM dan menjadi variabel mediasi antara faktor sosial dengan kinerja usaha. Kesimpulan dari penelitian ini menekankan pentingnya penguatan literasi keuangan digital melalui pelatihan praktis penggunaan aplikasi pengelolaan keuangan, serta perlunya kolaborasi dengan lembaga keuangan, platform fintech, dan e-commerce. Keterlibatan lembaga seperti Bank Indonesia diharapkan dapat mempercepat adopsi praktik keuangan digital secara lebih luas di kalangan UMKM.  
Co-Authors Adam , Echan Echan Adam Yuriko Boekoesoe