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All Journal Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Ekonomi, Manajemen, Akuntansi
Putu Nita Yulianti, Ni Luh
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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FINANCIAL LITERACY AND FINANCIAL INCLUSION ON SUSTAINABLE CREDIT DECISIONS THROUGH FINANCIAL BEHAVIOR : A STUDY OF MERAUKE MSMES Putu Nita Yulianti, Ni Luh; Rachman, Adi Maulana; Wati, Caecilia Henny Setya; Richard, Yumiad Fernando
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 9 No 3 (2025): Edisi September - Desember 2025
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v9i3.6549

Abstract

Study This aim For analyze impact financial literacy and financial inclusion to taking decision sustainable credit​ through Financial behavior of MSMEs in Merauke City. Problems study leave from low financial literacy perpetrator business as well as limited utilization service formal finance, which causes decision credit often taken without careful consideration. Research​ This use method quantitative with population as many as 3.777 MSMEs. The sampling technique sample done with purposive sampling and quota sampling methods, with amount respondents as many as 120 MSMEs in Merauke City. Data collected through questionnaire Likert scale, then analyzed using Structural Equation Modeling Partial Least Squares (SEM-PLS). The research results show that financial literacy No influential significant to taking decision credit sustainable. Financial inclusion also not influential significant to sustainable credit decisions. On the other hand, financial behavior proven influential positive and significant to decision credit sustainable. Furthermore, the results of the mediation test show that financial literacy and financial inclusion influential No direct to decision credit sustainable through financial behavior. Findings This confirm that understanding and access finance Not yet Enough push decision sustainable credit​ if No reflected in financial behavior everyday. Therefore, literacy and inclusion programs are needed finances that are not only emphasize aspect knowledge, but also formation behavior healthy finances among Merauke MSMEs.
The Role of Digitalization in Increasing Economic and Financial Inclusion in South Papuan Communities Putu Nita Yulianti, Ni Luh; Adi Maulana Rachman; Apolinaris S Awotkay; Gusti Putu Eka Kusuma; Soleha, Soleha
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 3: Maret 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i3.15688

Abstract

This study analyzes the role of digitalization in enhancing economic and financial inclusion in South Papua by examining digital infrastructure conditions, the utilization of technology-based financial services, impacts on local businesses, socio-cultural influences, and links to regional socioeconomic indicators. A descriptive qualitative approach was employed, using in-depth interviews with policymakers, financial service providers, community leaders, business actors, and both users and non-users of digital services. Secondary data from the 2025 South Papua Statistics Agency (BPS) supported the analysis. Findings reveal uneven telecommunications infrastructure, with only 6.96% of villages having very strong signals and 13.77% lacking signal access. Adoption of digital financial services, including mobile banking and e-wallets, remains limited in rural areas due to poor connectivity, low device ownership, and inadequate digital literacy. However, businesses adopting digital platforms reported revenue increases of 20–30% through market expansion. Socio-cultural factors influence technology acceptance, with younger generations adapting more readily. The study concludes that improved connectivity positively correlates with financial inclusion and human development, recommending infrastructure expansion, internet subsidies, community-based digital literacy programs, and multi-stakeholder collaboration.
Co-Authors Adi Maulana Rachman Apolinaris S Awotkay Gusti Putu Eka Kusuma Richard, Yumiad Fernando Soleha Soleha Wati, Caecilia Henny Setya