Article Per Year (5 Year)
p-Index From 2021 - 2026
0.408
P-Index
This Author published in this journals
All Journal Journal of Innovative and Creativity DEAL: International Journal of Economics and Business
Iis Fauziah
Universitas Pelita Bangsa
Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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

Found 2 Documents
Search

 1 
Pengaruh Literasi Keuangan dan Modal Usaha Terhadap Keunggulan Kompetitif UMKM Di Wilayah Cikarang Aisatu Rahma; Bunga Puja Ananda; Iis Fauziah; Sekar Asri Pebri Wulandari; Retno Purwani Setyaningrum
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.705

Abstract

Financial literacy is considered an individual's ability to understand and manage finances effectively, while venture capital reflects the financial resources used to run and grow a business. Competitive advantage is measured based on the ability of MSMEs to compete through innovation, operational efficiency and product differentiation. Therefore, this study aims to analyze the effect of financial literacy and business capital on the competitive advantage of micro, small and medium enterprises (MSMEs). The research method used is quantitative with a survey approach to a number of MSME actors. The sample in this study is micro, small and medium enterprises (MSMEs) in the Cikarang Region with a total of 65 respondents. The results showed that financial literacy has a positive and significant effect on competitive advantage. In addition, business capital also has a positive influence on competitive advantage.
Financial Literacy and Financial Welfare: The Mediating Role of Financial Planning and the Moderating Effect of Lifestyle in Bekasi Aisaturahma Aisaturahma; Bunga Puja Ananda; Iis Fauziah; Friska Fariska; Stifani Rahardjo
DEAL: International Journal of Economics and Business Vol. 3 No. 02 (2025): October 2025
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/deal.v3i02.6170

Abstract

Financial well-being can be achieved when individuals have sufficient knowledge, are able to make financial plans and have a lifestyle that is in accordance with their financial capabilities. Therefore, the purpose of this study is to examine the effect of financial literacy on financial well-being through financial planning, as well as observe how lifestyle acts as a moderating factor for those at productive age in Bekasi. The method used is a quantitative-based approach using PLS-SEM, which involves collecting data through distributing questionnaires. The results show that the direct influence of financial literacy and financial planning is able to contribute to financial well-being, but lifestyle does not contribute to financial well-being. In addition, the indirect effect, namely the financial planning variable acting as a mediation path, is able to mediate the relationship with financial well-being, while the indirect effect, namely the lifestyle variable as moderation, is not proven to strengthen or weaken the relationship with financial well-being. This finding provides a theoretical contribution by highlighting that lifestyle, which is often assumed to be a significant determinant of financial well-being, does not always play a moderating role. Such results suggest that in the context of productive-age individuals with limited income in Bekasi, financial literacy and planning have stronger explanatory power than lifestyle. The novelty of this study lies in revealing that lifestyle differences may not reduce or amplify the impact of financial literacy on financial well-being, offering new insights for financial behavior literature in emerging markets.
Co-Authors Aisatu Rahma Aisaturahma Aisaturahma Bunga Puja Ananda Friska Fariska Retno Purwani Setyaningrum Sekar Asri Pebri Wulandari Stifani Rahardjo