Pengembangan Model Financial Well-Being Melalui Digital Technology dan Green Economy Untuk Sustainable Business IKM Perbatasan

Alexander Mario Retto Djong (Institut Teknologi dan Bisnis Kristen Bukit Pengharapan)
Widyaningtyas Widyaningtyas (Institut Teknologi dan Bisnis Kristen Bukit Pengharapan)
Hasian Purba (Universitas Mercu Buana)
Khenny El Yabes (Institut Teknologi dan Bisnis Kristen Bukit Pengharapan)
Aloysius Timothy (Institut Teknologi dan Bisnis Kristen Bukit Pengharapan)

Jurnal Minfo Polgan (JMP)
Vol. 15 No. 1 (2026): Artikel Penelitian

The objectives of this study are: To identify and analyze the level of financial well-being (FWB) of border-based SMEs. To measure the level of Financial Well-Being, digital adoption, green economy adoption, and sustainable business perceptions in a larger and representative sample of SMEs. To statistically test the relationship between variables and confirm/develop qualitative findings. Research Results These results indicate that Financial Well-Being has a positive and significant effect on Sustainable Business through Digital Technology as a mediating variable. Financial Well-Being also has a positive and significant effect on Sustainable Business through Green Economy as a mediating variable. Digital Technology plays a positive role in improving Sustainable Business. Financial Well-Being has a positive and significant effect on Digital Technology. Financial Well-Being contributes positively and significantly in encouraging the development of Green Economy. Financial Well-Being is proven to have a positive and significant effect on Sustainable Business and Green Economy has a positive and significant effect on Sustainable Business.