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Financial and digital financial literacy through social media use towards financial inclusion among batik small enterprises in Indonesia

Batik, an Indonesian textile art form, holds immense economic and cultural importance. Small and medium enterprises (SMEs) specialising in batik play a crucial role in Indonesia's economic growth and cultural preservation, contributing significantly to the gross domestic product (GDP) and prese...

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Main Authors: Al-Shami, Samer Ali Hussein, Damayanti, Ratna, Adil, Hayder, Farhi, Faycal, Al Mamun, Abdullah
Format: Article
Language:English
Published: Elsevier Ltd 2024
Online Access:http://eprints.utem.edu.my/id/eprint/27690/2/0258225072024105044931.pdf
http://eprints.utem.edu.my/id/eprint/27690/
https://pdf.sciencedirectassets.com/313379/1-s2.0-S2405844023X00280/1-s2.0-S2405844024109334/main.pdf?X-Amz-Security-Token=IQoJb3JpZ2luX2VjEBUaCXVzLWVhc3QtMSJHMEUCIEvA2p51RxX7dc3AMNWGNTasgkGW7TcrS0LE9NmNebYkAiEAxg9Ande1LRYhqGWBSuFo9nqIYmLbDdICu9m9e5DBFh4quwUI%2Ff%2F%2F%2F%2F%2F%2F%2F%2F%2F%2FARAFGgwwNTkwMDM1NDY4NjUiDMeyadnVYDPy30J9miqPBSnEsDpHruCFJajSWW4U5LYMHTjBDos41jSZ9FC2tZ0b1GL3W7Hyu%2FkJQGNWAFrMTuytdLPcgOwtcBZUBVcj99HYXpzjW%2BRIUtSM6UqTohH1hm6LxuYhaqGV8tFN0%2F%2F5B2pQcMKiFudHwGqu4RZJKWpCiMxwT6ks70IyEP2nRoZgynbgav9%2BMKsuOb5Bd3OeeB%2BnjrmbW7%2Fv1f0fMQySQlsWxZKVgNj7H4Pn8DnG1Y4hdjMqr89vt08%2BMEXBMj6Z%2F%2BYaXE5stHidce5G5xRDZOTvZwCkmFYOH1rL2Kfbh7dJtu6tnd5V9gzKZ%2BP24jNbQ3%2Fll8zXHmCb5cKbzT9bmAW5S8Ai36YL%2B9X849UZRkZgXWBejrUBhIGnkAJp81OQsNjcPtOrGVgJC%2Bpew1L9tIgP0hQI8eYHfH8Xl8D8o8j6dV08sC3Sn4YUnuDdQjqQRWt9mEW%2Fgkqqh0GtTDC%2BaVlomlaEAJERSrgpy%2B3t50HKmu5WHBQzXjGYIiDw8ZhpUp%2BeXxSUtQIG4gOe3mG7iVyKVQuSjvu31ev0FeIkTvOdAhM%2F58L3EJmPh63QWRMocZ2wCGv6IphVTUXv4%2FjfCDbzrdzG0ZMRkxoTZZ51OC0fKCX4XGPf20efgOLtT8HrfLPEHe0NugFaHS74C0s%2FspbnaaiPlOytTcXtWpGt%2B05xhnxUAzFXKEog%2FmUpWAOohcjrV9Xqzyfaq6oY1s6l%2F6hifWRpKz47hstSRdWPh%2BQqh9s0%2B0%2Fj5RMRLwTGQ9%2F3FJwl6VUndoA3pfiWVlhqHivOS98yiaoAv3%2FnM5j0sOknlddMw%2FMsKHT8yvY9H1F2ZvqcDlMX8DndMsXoW8t8CK0ngWFZlPQ6fEAo%2Bgly2%2FgwpOrLtQY6sQGM5BzS6J%2Fl8LELzTFY0W4R%2FCgQTylap9ZaUdUoi0%2Fa4QmHDDwTpHj6NMOOC7SBQoXTDOP7NY0xXw%2BIMBSLUaYlpza1Yn1CthVNr5P0t6H8oz4XNx1964Uyg1mLjCAtU9tF5aj%2BV1nixWekuFG%2BEj9wFD2WkHmxZX5iO7hOV%2BjJhSpK6EWC1H6BKBl4FI7zfrusk7zzDqbc1w0AMYSxpqc3AfNK9GNonCUd1GIs4g2LLT4%3D&X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Date=20240807T050558Z&X-Amz-SignedHeaders=host&X-Amz-Expires=300&X-Amz-Credential=ASIAQ3PHCVTYW62Y5PHD%2F20240807%2Fus-east-1%2Fs3%2Faws4_request&X-Amz-Signature=647dccb4941c8a7247755b79cafe6ce151cba71b06680e2909b8404f99183537&hash=c812c0c909737170c33cf483b56efdf7b0528df639a6df75fea8d60022a3498f&host=68042c943591013ac2b2430a89b270f6af2c76d8dfd086a07176afe7c76c2c61&pii=S2405844024109334&tid=spdf-fdc269a7-9c37-4bb1-a450-480e50f49be1&sid=6665575c17b9e6439c7aa575e8fd4d8c25c9gxrqb&type=client&tsoh=d3d3LnNjaWVuY2VkaXJlY3QuY29t&ua=0d1c5b050451020553&rr=8af4bc14de6c13dd&cc=my
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id my.utem.eprints.27690
record_format eprints
institution Universiti Teknikal Malaysia Melaka
building UTEM Library
collection Institutional Repository
continent Asia
country Malaysia
content_provider Universiti Teknikal Malaysia Melaka
content_source UTEM Institutional Repository
url_provider http://eprints.utem.edu.my/
language English
description Batik, an Indonesian textile art form, holds immense economic and cultural importance. Small and medium enterprises (SMEs) specialising in batik play a crucial role in Indonesia's economic growth and cultural preservation, contributing significantly to the gross domestic product (GDP) and preserving the nation's heritage. Nevertheless, these enterprises face several challenges, such as slow growth and limited access to credit. The batik industry also lags in financial literacy and the adoption of digital marketing strategies, hindering its development. This quantitative study aims to investigate the relationship between financial literacy, digital financial literacy, and financial inclusion in batik SMEs and also examined the moderating effect of online social networks. A survey was conducted involving 535 managers, owners, and financial officers of small batik enterprises. Subsequently, the SmartPLS statistical analysis method was employed for data analysis. The results demonstrate that financial literacy and digital financial literacy play a significant role in accessing financial inclusion for batik small enterprises. Moreover, the utilisation of social media was found to moderate these relationships, amplifying the impact of financial and digital literacy on financial inclusion. The findings contribute to the existing knowledge, provide insights for enhancing batik small enterprises, and propose a digital financial model to promote financial inclusion.
format Article
author Al-Shami, Samer Ali Hussein
Damayanti, Ratna
Adil, Hayder
Farhi, Faycal
Al Mamun, Abdullah
spellingShingle Al-Shami, Samer Ali Hussein
Damayanti, Ratna
Adil, Hayder
Farhi, Faycal
Al Mamun, Abdullah
Financial and digital financial literacy through social media use towards financial inclusion among batik small enterprises in Indonesia
author_facet Al-Shami, Samer Ali Hussein
Damayanti, Ratna
Adil, Hayder
Farhi, Faycal
Al Mamun, Abdullah
author_sort Al-Shami, Samer Ali Hussein
title Financial and digital financial literacy through social media use towards financial inclusion among batik small enterprises in Indonesia
title_short Financial and digital financial literacy through social media use towards financial inclusion among batik small enterprises in Indonesia
title_full Financial and digital financial literacy through social media use towards financial inclusion among batik small enterprises in Indonesia
title_fullStr Financial and digital financial literacy through social media use towards financial inclusion among batik small enterprises in Indonesia
title_full_unstemmed Financial and digital financial literacy through social media use towards financial inclusion among batik small enterprises in Indonesia
title_sort financial and digital financial literacy through social media use towards financial inclusion among batik small enterprises in indonesia
publisher Elsevier Ltd
publishDate 2024
url http://eprints.utem.edu.my/id/eprint/27690/2/0258225072024105044931.pdf
http://eprints.utem.edu.my/id/eprint/27690/
https://pdf.sciencedirectassets.com/313379/1-s2.0-S2405844023X00280/1-s2.0-S2405844024109334/main.pdf?X-Amz-Security-Token=IQoJb3JpZ2luX2VjEBUaCXVzLWVhc3QtMSJHMEUCIEvA2p51RxX7dc3AMNWGNTasgkGW7TcrS0LE9NmNebYkAiEAxg9Ande1LRYhqGWBSuFo9nqIYmLbDdICu9m9e5DBFh4quwUI%2Ff%2F%2F%2F%2F%2F%2F%2F%2F%2F%2FARAFGgwwNTkwMDM1NDY4NjUiDMeyadnVYDPy30J9miqPBSnEsDpHruCFJajSWW4U5LYMHTjBDos41jSZ9FC2tZ0b1GL3W7Hyu%2FkJQGNWAFrMTuytdLPcgOwtcBZUBVcj99HYXpzjW%2BRIUtSM6UqTohH1hm6LxuYhaqGV8tFN0%2F%2F5B2pQcMKiFudHwGqu4RZJKWpCiMxwT6ks70IyEP2nRoZgynbgav9%2BMKsuOb5Bd3OeeB%2BnjrmbW7%2Fv1f0fMQySQlsWxZKVgNj7H4Pn8DnG1Y4hdjMqr89vt08%2BMEXBMj6Z%2F%2BYaXE5stHidce5G5xRDZOTvZwCkmFYOH1rL2Kfbh7dJtu6tnd5V9gzKZ%2BP24jNbQ3%2Fll8zXHmCb5cKbzT9bmAW5S8Ai36YL%2B9X849UZRkZgXWBejrUBhIGnkAJp81OQsNjcPtOrGVgJC%2Bpew1L9tIgP0hQI8eYHfH8Xl8D8o8j6dV08sC3Sn4YUnuDdQjqQRWt9mEW%2Fgkqqh0GtTDC%2BaVlomlaEAJERSrgpy%2B3t50HKmu5WHBQzXjGYIiDw8ZhpUp%2BeXxSUtQIG4gOe3mG7iVyKVQuSjvu31ev0FeIkTvOdAhM%2F58L3EJmPh63QWRMocZ2wCGv6IphVTUXv4%2FjfCDbzrdzG0ZMRkxoTZZ51OC0fKCX4XGPf20efgOLtT8HrfLPEHe0NugFaHS74C0s%2FspbnaaiPlOytTcXtWpGt%2B05xhnxUAzFXKEog%2FmUpWAOohcjrV9Xqzyfaq6oY1s6l%2F6hifWRpKz47hstSRdWPh%2BQqh9s0%2B0%2Fj5RMRLwTGQ9%2F3FJwl6VUndoA3pfiWVlhqHivOS98yiaoAv3%2FnM5j0sOknlddMw%2FMsKHT8yvY9H1F2ZvqcDlMX8DndMsXoW8t8CK0ngWFZlPQ6fEAo%2Bgly2%2FgwpOrLtQY6sQGM5BzS6J%2Fl8LELzTFY0W4R%2FCgQTylap9ZaUdUoi0%2Fa4QmHDDwTpHj6NMOOC7SBQoXTDOP7NY0xXw%2BIMBSLUaYlpza1Yn1CthVNr5P0t6H8oz4XNx1964Uyg1mLjCAtU9tF5aj%2BV1nixWekuFG%2BEj9wFD2WkHmxZX5iO7hOV%2BjJhSpK6EWC1H6BKBl4FI7zfrusk7zzDqbc1w0AMYSxpqc3AfNK9GNonCUd1GIs4g2LLT4%3D&X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Date=20240807T050558Z&X-Amz-SignedHeaders=host&X-Amz-Expires=300&X-Amz-Credential=ASIAQ3PHCVTYW62Y5PHD%2F20240807%2Fus-east-1%2Fs3%2Faws4_request&X-Amz-Signature=647dccb4941c8a7247755b79cafe6ce151cba71b06680e2909b8404f99183537&hash=c812c0c909737170c33cf483b56efdf7b0528df639a6df75fea8d60022a3498f&host=68042c943591013ac2b2430a89b270f6af2c76d8dfd086a07176afe7c76c2c61&pii=S2405844024109334&tid=spdf-fdc269a7-9c37-4bb1-a450-480e50f49be1&sid=6665575c17b9e6439c7aa575e8fd4d8c25c9gxrqb&type=client&tsoh=d3d3LnNjaWVuY2VkaXJlY3QuY29t&ua=0d1c5b050451020553&rr=8af4bc14de6c13dd&cc=my
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spelling my.utem.eprints.276902024-10-07T09:42:38Z http://eprints.utem.edu.my/id/eprint/27690/ Financial and digital financial literacy through social media use towards financial inclusion among batik small enterprises in Indonesia Al-Shami, Samer Ali Hussein Damayanti, Ratna Adil, Hayder Farhi, Faycal Al Mamun, Abdullah Batik, an Indonesian textile art form, holds immense economic and cultural importance. Small and medium enterprises (SMEs) specialising in batik play a crucial role in Indonesia's economic growth and cultural preservation, contributing significantly to the gross domestic product (GDP) and preserving the nation's heritage. Nevertheless, these enterprises face several challenges, such as slow growth and limited access to credit. The batik industry also lags in financial literacy and the adoption of digital marketing strategies, hindering its development. This quantitative study aims to investigate the relationship between financial literacy, digital financial literacy, and financial inclusion in batik SMEs and also examined the moderating effect of online social networks. A survey was conducted involving 535 managers, owners, and financial officers of small batik enterprises. Subsequently, the SmartPLS statistical analysis method was employed for data analysis. The results demonstrate that financial literacy and digital financial literacy play a significant role in accessing financial inclusion for batik small enterprises. Moreover, the utilisation of social media was found to moderate these relationships, amplifying the impact of financial and digital literacy on financial inclusion. The findings contribute to the existing knowledge, provide insights for enhancing batik small enterprises, and propose a digital financial model to promote financial inclusion. Elsevier Ltd 2024-07 Article PeerReviewed text en http://eprints.utem.edu.my/id/eprint/27690/2/0258225072024105044931.pdf Al-Shami, Samer Ali Hussein and Damayanti, Ratna and Adil, Hayder and Farhi, Faycal and Al Mamun, Abdullah (2024) Financial and digital financial literacy through social media use towards financial inclusion among batik small enterprises in Indonesia. Heliyon, 10 (15). pp. 1-13. ISSN 2405-8440 https://pdf.sciencedirectassets.com/313379/1-s2.0-S2405844023X00280/1-s2.0-S2405844024109334/main.pdf?X-Amz-Security-Token=IQoJb3JpZ2luX2VjEBUaCXVzLWVhc3QtMSJHMEUCIEvA2p51RxX7dc3AMNWGNTasgkGW7TcrS0LE9NmNebYkAiEAxg9Ande1LRYhqGWBSuFo9nqIYmLbDdICu9m9e5DBFh4quwUI%2Ff%2F%2F%2F%2F%2F%2F%2F%2F%2F%2FARAFGgwwNTkwMDM1NDY4NjUiDMeyadnVYDPy30J9miqPBSnEsDpHruCFJajSWW4U5LYMHTjBDos41jSZ9FC2tZ0b1GL3W7Hyu%2FkJQGNWAFrMTuytdLPcgOwtcBZUBVcj99HYXpzjW%2BRIUtSM6UqTohH1hm6LxuYhaqGV8tFN0%2F%2F5B2pQcMKiFudHwGqu4RZJKWpCiMxwT6ks70IyEP2nRoZgynbgav9%2BMKsuOb5Bd3OeeB%2BnjrmbW7%2Fv1f0fMQySQlsWxZKVgNj7H4Pn8DnG1Y4hdjMqr89vt08%2BMEXBMj6Z%2F%2BYaXE5stHidce5G5xRDZOTvZwCkmFYOH1rL2Kfbh7dJtu6tnd5V9gzKZ%2BP24jNbQ3%2Fll8zXHmCb5cKbzT9bmAW5S8Ai36YL%2B9X849UZRkZgXWBejrUBhIGnkAJp81OQsNjcPtOrGVgJC%2Bpew1L9tIgP0hQI8eYHfH8Xl8D8o8j6dV08sC3Sn4YUnuDdQjqQRWt9mEW%2Fgkqqh0GtTDC%2BaVlomlaEAJERSrgpy%2B3t50HKmu5WHBQzXjGYIiDw8ZhpUp%2BeXxSUtQIG4gOe3mG7iVyKVQuSjvu31ev0FeIkTvOdAhM%2F58L3EJmPh63QWRMocZ2wCGv6IphVTUXv4%2FjfCDbzrdzG0ZMRkxoTZZ51OC0fKCX4XGPf20efgOLtT8HrfLPEHe0NugFaHS74C0s%2FspbnaaiPlOytTcXtWpGt%2B05xhnxUAzFXKEog%2FmUpWAOohcjrV9Xqzyfaq6oY1s6l%2F6hifWRpKz47hstSRdWPh%2BQqh9s0%2B0%2Fj5RMRLwTGQ9%2F3FJwl6VUndoA3pfiWVlhqHivOS98yiaoAv3%2FnM5j0sOknlddMw%2FMsKHT8yvY9H1F2ZvqcDlMX8DndMsXoW8t8CK0ngWFZlPQ6fEAo%2Bgly2%2FgwpOrLtQY6sQGM5BzS6J%2Fl8LELzTFY0W4R%2FCgQTylap9ZaUdUoi0%2Fa4QmHDDwTpHj6NMOOC7SBQoXTDOP7NY0xXw%2BIMBSLUaYlpza1Yn1CthVNr5P0t6H8oz4XNx1964Uyg1mLjCAtU9tF5aj%2BV1nixWekuFG%2BEj9wFD2WkHmxZX5iO7hOV%2BjJhSpK6EWC1H6BKBl4FI7zfrusk7zzDqbc1w0AMYSxpqc3AfNK9GNonCUd1GIs4g2LLT4%3D&X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Date=20240807T050558Z&X-Amz-SignedHeaders=host&X-Amz-Expires=300&X-Amz-Credential=ASIAQ3PHCVTYW62Y5PHD%2F20240807%2Fus-east-1%2Fs3%2Faws4_request&X-Amz-Signature=647dccb4941c8a7247755b79cafe6ce151cba71b06680e2909b8404f99183537&hash=c812c0c909737170c33cf483b56efdf7b0528df639a6df75fea8d60022a3498f&host=68042c943591013ac2b2430a89b270f6af2c76d8dfd086a07176afe7c76c2c61&pii=S2405844024109334&tid=spdf-fdc269a7-9c37-4bb1-a450-480e50f49be1&sid=6665575c17b9e6439c7aa575e8fd4d8c25c9gxrqb&type=client&tsoh=d3d3LnNjaWVuY2VkaXJlY3QuY29t&ua=0d1c5b050451020553&rr=8af4bc14de6c13dd&cc=my 10.1016/j.heliyon.2024.e34902
score 13.211869

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