Pengaruh Sikap Keuangan Dan Kemampuan Finansial Dalam Meningkatkan Kesejahteraan Keuangan Melalui Digital Finansial Literasi Keuangan Terhadap UMKM

Ramadani, Hikma and Goso, Dr.,, Goso, Dr., and Duriani, Dr., Duriani, Dr. (2025) Pengaruh Sikap Keuangan Dan Kemampuan Finansial Dalam Meningkatkan Kesejahteraan Keuangan Melalui Digital Finansial Literasi Keuangan Terhadap UMKM. Pengaruh Sikap Keuangan Dan Kemampuan Finansial Dalam Meningkatkan Kesejahteraan Keuangan Melalui Digital Finansial Literasi Keuangan Terhadap UMKM, 7 (2). pp. 647-661. ISSN P-ISSN: 2686-262X; E-ISSN: 2685-9300

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Abstract

Abstract This study aims to analyze the influence of financial attitudes and financial abilities on financial welfare through digital financial literacy in MSME actors in Pancasila Field, Palopo City. Using a quantitative approach with a sample of 138 MSME actors, this study examined the direct and indirect relationships between variables using the PLS-SEM analysis technique. The results show that financial attitudes and financial ability have a significant positive influence on digital financial literacy, which in turn has a positive impact on financial wellbeing. A positive financial attitude can increase digital financial literacy, which then improves financial management and financial welfare of MSME actors. In addition, financial ability also plays an important role in facilitating the understanding of digital financial technology, which ultimately supports the improvement of financial well-being. This study suggests the importance of digital financial literacy education to empower MSME actors in managing their finances more efficiently and effectively

Item Type:	Article
Contributors:	Contribution Contributors ID/NIDN/NIDK Teacher Goso, Dr, Goso, Dr NIDN0912067603 Teacher Duriani, Dr, Duriani, Dr NIDN0903036701
Uncontrolled Keywords:	financial attitude, financial ability, financial welfare, digital financial literacy, MSMEs.
Subjects:	H Social Sciences > HG Finance
Depositing User:	Hikma Ramadani Arsyad
Date Deposited:	19 Nov 2025 02:29
Last Modified:	19 Nov 2025 02:29
URI:	http://repository.umpalopo.ac.id/id/eprint/6012

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