The Effect of A Digital Financial Literacy on Financial Performance of Msmes: A Quasi-Experimental Study Supporting SDG
Romauli Nainggolan,
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Metta Padmalia,
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Rismawati Br Sitepu
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et al.
Journal of Lifestyle and SDGs Review,
Journal Year:
2025,
Volume and Issue:
5(3), P. e03817 - e03817
Published: Feb. 20, 2025
Objective:
The
objective
of
this
study
is
to
examine
the
impact
a
digital
financial
literacy
program
on
performance
micro,
small,
and
medium
enterprises
in
West
Java
North
Sumatra.
aim
evaluate
effectiveness
improving
outcomes
for
MSMEs
owners,
thereby
contributing
SDG
goal
8
(Decent
Work
Economic
Growth).
Theoretical
Framework:
This
research
grounded
theories
literacy.
Key
frameworks
include
six
dimensions
literacy:
knowledge,
practical
know-how,
awareness,
decision-making,
self-protection.
These
provide
robust
basis
assessing
intervention's
impact.
Method:
A
quasi-experimental
design
was
employed,
involving
107
owners
who
use
QRIS
as
payment
tool.
sample
divided
into
treatment
group
(n=54,
Medan,
Sumatra)
control
(n=53,
Gresik,
Java).
intervention
included
weekly
sessions
covering
dimensions.
Data
were
collected
via
pre-
post-tests,
analyzed
using
paired
t-tests
independent
t-tests,
with
5%
significance
threshold.
Results
Discussion:
reveals
that
there
no
significant
differences
pre-test
scores
between
groups.
However,
showed
increase
compared
post-test.
experimental
demonstrated
greater
improvement
among
Sumatra
those
Java.
Research
Implications:
highlights
need
targeted
programs
boost
MSME
reduce
disparities.
It
supports
by
emphasizing
sustainable
micro-enterprises
enhance
economic
productivity.
Policymakers
should
promote
tailored
training
collaborative
technology
adoption.
Originality/Value:
By
testing
multi-dimensional
within
an
Indonesian
context,
underscores
critical
role
fostering
inclusive
growth.
Language: Английский
Increasing Customer Loyalty in Food and Beverage MSMEs Through Social CRM
Gabriel Gui,
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Andreas Raharto Condrobimo,
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Enggal Sriwardiningsih
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et al.
Published: May 16, 2024
Micro,
Small,
and
Medium
Enterprises
(MSME)
in
the
food
beverage
(F&B)
industry
have
mostly
used
social
customer
relationship
management
(SCRM)
approaches
to
promote
loyalty
(CL).
This
method
is
extensively
adopted
digital
era
since
it
thought
improve
consumer
satisfaction.
The
primary
goal
of
this
study
examine
how
SCRM
affects
through
mediation
engagement
(CE),
trust
(TR),
enhanced
service
(ICS).
research
received
data
from
350
respondents
using
Google
Form
analyzed
SmartPLS
(SEM-PLS).
obtained
reveal
that
all
hypotheses
a
favorable
substantial
effect
on
SCRM,
CE,
TR,
ICS,
CL.
Language: Английский
Performance of Women-Led Smes in Indonesia: The Role of Financial Inclusion, Financial Literacy, and Technology adoption
Journal of Law and Sustainable Development,
Journal Year:
2023,
Volume and Issue:
11(12), P. e1899 - e1899
Published: Dec. 7, 2023
Purpose:
Women
entrepreneurs
have
an
important
role
in
increasing
economic
growth.
This
research
aims
to
explore
the
relationship
between
financial
literacy,
technology
adoption,
inclusion
and
women
SME
performance.
Theoretical
framework:
Resource
based
theory
is
used
as
underlying
influence
of
adoption
on
inclusion.
The
Technology
Acceptance
Model
(TAM)
explains
company
Upper
echelon
basis
for
Design/methodology/approach:
population
was
women-owned
SMEs
Indonesia.
A
total
250
female
owners
were
drawn
respondents.
study
convenience
sampling
method.
Data
collected
using
a
structured
questionnaire.
Findings:
results
showed
contribution
literacy
There
performance
women's
SMEs.
direct
not
supported.
mediating
effect
Research,
Practical
&
Social
implications:
can
provide
real
government
developing
by
paying
attention
Originality/value:
provided
novelty
examining
Language: Английский