Article Per Year (5 Year)
p-Index From 2021 - 2026
0.408
P-Index
This Author published in this journals
All Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Journal of Ekonomics, Finance, and Management Studies
Suwadi
Sekolah Tinggi Ilmu Ekonomi Bina Karya
Religion Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
E-MUL: Model Edukasi Digital untuk Meningkatkan Literasi Keuangan dan Pendapatan UMKM Berbasis Mobile Learning di Kabupaten Sedang Bedagai Yenni Arfah; Suwadi
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 11 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i11.9792

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a vital role in the Indonesian economy, including in Serdang Bedagai Regency, making this sector a key driver of local economic growth. However, most female MSMEs still face challenges in financial literacy, particularly in cash flow recording, capital management, and financing decision-making. This study aims to develop a Green Economy-based Digital Microfinance conceptual model designed to improve financial literacy and strengthen access to capital for female MSMEs in rural areas. The method used is Research and Development (R&D), which includes problem identification, literature review, model design, and limited trials. The results show that the developed model combines three main components: (i) microfinance literacy, which improves transaction recording skills by up to 30% with an average increase in literacy scores of 22%; (ii) integration of green economy principles, which encourages 65% of business actors to consider resource efficiency and environmental sustainability practices; and (iii) a mobile learning approach, which was positively appreciated by 88% of respondents because it provides flexible access and accelerates material understanding. Overall, this model has proven relevant in addressing the financial literacy needs of women-led MSMEs in rural areas, while also offering a new direction in empowering micro-enterprises oriented toward sustainability.
Model Keuangan Mikro Digital Berbasis Green Economy Sebagai Sumber Permodalan UMKM Perempuan di Kabupaten Serdang Bedagai Suwadi; Yenni Arfah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 11 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i11.9793

Abstract

This study aims to develop a conceptual model for green economy-based digital microfinance as an effort to improve financial literacy, strengthen managerial capacity, and promote the sustainability of women's MSMEs. The method used was Research and Development (R&D), with a modification of the Borg and Gall model, divided into four stages: preliminary study and needs analysis, model development, limited trials and evaluation, and model finalization. The research was conducted in a participatory manner involving the local community in Serdang Bedagai Regency. The results showed that the developed model was able to improve financial literacy skills, with an average increase of 22% in the understanding of transaction recording and a 30% increase in the ability to prepare simple cash flow statements. The integration of green economy principles encouraged 65% of MSMEs to begin implementing simple efficiency and waste management strategies, while the use of mobile learning was appreciated by 91% of respondents for providing flexible learning access. The implications of this research are the creation of an innovative conceptual framework that not only strengthens financial literacy but also links environmentally friendly practices with the microfinance system, while utilizing digital technology to empower women's MSMEs in rural areas.
Co-Authors Yenni Arfah