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All Journal MIX : Jurnal Ilmiah Manajemen Profita : Komunikasi Ilmiah dan Perpajakan International Journal of Supply Chain Management International Journal of Applied Business Research Jurnal Industri Kreatif dan Kewirausahaan Jurnal Pengabdian kepada Masyarakat Nusantara JAMAIKA: Jurnal Abdi Masyarakat Jurnal Kewirausahaan Bukit Pengharapan IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita JAS (Jurnal Akuntansi Syariah)
Putri Renalita Sutra Tanjung
Universitas Mercu Buana
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Transportation

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The Impact of Financial Literacy, Digital Innovation, and Marketing Strategy on Business Performance through Financial Record-Keeping Discipline: A Study on MSMEs Chairunesia, Wieta; Wahyudi, Sely Megawati; Tanjung, Putri Renalita Sutra; Oktasari, Dian Primanita
JAS (Jurnal Akuntansi Syariah) Vol 9 No 2 (2025): JAS (Jurnal Akuntansi Syariah) - December
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jas.v9i2.2661

Abstract

Purpose - This study aims to examine the influence of financial literacy, digital innovation, and marketing strategy on MSME business performance, with financial record-keeping discipline as a mediating variable. Method - Using a quantitative approach, data were collected from 100 MSME owners in Bekasi through structured questionnaires using purposive sampling technique and analyzed with Structural Equation Modeling (SEM) using SmartPLS. Findings - The findings reveal that financial literacy and marketing strategy have a positive and significant impact on business performance, both directly and indirectly through record-keeping discipline. In contrast, digital innovation shows no significant direct or indirect effect. These results underscore the importance of integrating knowledge-based resources into consistent managerial practices. Implications - Theoretically, this study extends the Resource-Based View, Financial Literacy Theory, and Digital Capability Theory by highlighting the role of internal processes as mediators. Practically, it emphasizes the need for MSMEs to strengthen financial discipline alongside marketing efforts to achieve sustainable performance improvement.
Understanding Gen Z’s Debt Behavior: Interplay of Knowledge, Self-Efficacy, and Psychological Stress Primanita Oktasari, Dian; Putri Renalita Sutra Tanjung; Wieta Chairunesia; Tine Yuliantini; Anees Janee Ali
Jurnal Internasional Penelitian Bisnis Terapan Vol 8 No 01 (2026)
Publisher : Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ijabr.v8i01.578

Abstract

This research aims to analyze the impact of Financial Knowledge, Financial Self-Efficacy, and Financial Stress on debt usage behavior among Generation Z, employing the framework of the Theory of Planned Behavior (TPB). A quantitative methodology utilizing Partial Least Squares Structural Equation Modeling (PLS-SEM) was adopted for this study. Data were collected through an online survey involving 100 Generation Z respondents in Indonesia. The findings indicate that Financial Knowledge positively influences both Financial Self-Efficacy and Financial Stress. Furthermore, Financial Self-Efficacy is associated with a reduction in the tendency to incur debt, whereas Financial Stress tends to increase it. Both variables serve as mediators between Financial Knowledge and debt usage behavior. These findings underscore the significance of financial literacy, coupled with enhanced self-confidence in financial management and effective financial stress management, to mitigate the risks of excessive debt among Generation Z. This study contributes to the development of the TPB model by incorporating psychological and emotional dimensions in the financial decision-making processes of young individuals.
Co-Authors Abd. Rasyid Syamsuri Alfian Noviyato Anees Janee Ali Dewi Anggraini Dian Primanita Oktasari Garin Pratiwi Solihati Sely Megawati Wahyudi Tine Yuliantini Uly Amrina Wieta Chairunesia