Literasi Keuangan Digital Umkm Yang Dipimpin Perempuan Di Makassar: Studi Kasus Di Sektor Pangan
Keywords:
Literasi Keuangan Digital, UMKM Perempuan, Fintech Adoption, Ekonomi Digital Pangan, Jejaring Sosial UsahaAbstract
Transformasi ekonomi digital telah menciptakan peluang sekaligus risiko bagi UMKM pangan yang dipimpin perempuan di Makassar, terutama terkait kemampuan mengelola transaksi dan informasi keuangan berbasis aplikasi. Penelitian ini mengkaji bagaimana literasi keuangan digital terwujud dalam praktik sehari-hari melalui pendekatan kualitatif studi kasus yang melibatkan wawancara, observasi, dan analisis artefak digital dari 15 pelaku usaha. Temuan menunjukkan bahwa literasi keuangan digital bersifat multidimensional—memadukan pengetahuan teknis, pemahaman biaya, manajemen risiko, dan integrasi pencatatan digital. Faktor sosial seperti dukungan jejaring arisan, rekomendasi rekan, serta komunitas WhatsApp menjadi pendorong utama adopsi awal, sementara hambatan struktural mencakup biaya data, beban domestik, dan ketidakcocokan pelatihan dengan jadwal kerja perempuan. Persepsi risiko dan kecocokan tugas-teknologi turut membentuk pola adopsi, diperkuat oleh sensitivitas terhadap regulasi dan transparansi biaya. Penelitian ini menegaskan pentingnya intervensi literasi yang kontekstual, partisipatif, dan berorientasi kebutuhan, serta perlunya kolaborasi lintas sektor untuk menyediakan layanan digital yang aman, terjangkau, dan relevan bagi UMKM perempuan di sektor pangan.
Downloads
References
Hewa-Wellalage, N., Boubaker, S., Hunjra, A. I., & Verhoeven, P. (2021). The gender gap in access to finance: Evidence from the COVID-19 pandemic. Finance Research Letters, 46, 102329 - 102329. https://doi.org/10.1016/j.frl.2021.102329
Irimia-Diéguez, A., Velicia-Martín, F., & Aguayo-Camacho, M. (2023). Predicting Fintech Innovation Adoption: the Mediator Role of Social Norms and Attitudes. Financial Innovation, 9. https://doi.org/10.1186/s40854-022-00434-6
Li, B., & Xu, Z. (2021). Insights into financial technology (FinTech): a bibliometric and visual study. Financial Innovation, 7. https://doi.org/10.1186/s40854-021-00285-7
Linden, T. V. D., & Shirazi, T. (2023). Markets in crypto-assets regulation: Does it provide legal certainty and increase adoption of crypto-assets?. Financial Innovation, 9. https://doi.org/10.1186/s40854-022-00432-8
Long, T., Morgan, P. J., & Yoshino, N. (2023). Financial literacy, behavioral traits, and ePayment adoption and usage in Japan. Financial Innovation, 9. https://doi.org/10.1186/s40854-023-00504-3
Meurer, M. M., Waldkirch, M., Schou, P., Bucher, E., & Burmeister-Lamp, K. (2021). Digital affordances: how entrepreneurs access support in online communities during the COVID-19 pandemic. Small Business Economics, 58, 637-663. https://doi.org/10.1007/s11187-021-00540-2
Rjoub, H., Adebayo, T., & Kırıkkaleli, D. (2023). Blockchain technology-based FinTech banking sector involvement using adaptive neuro-fuzzy-based K-nearest neighbors algorithm. Financial Innovation, 9. https://doi.org/10.1186/s40854-023-00469-3
Stocchi, L., Pourazad, N., Michaelidou, N., Tanusondjaja, A., & Harrigan, P. (2021). Marketing research on Mobile apps: past, present and future. Journal of the Academy of Marketing Science, 50, 195-225. https://doi.org/10.1007/s11747-021-00815-w
Werth, O., Cardona, D. R., Torno, A., Breitner, M., & Muntermann, J. (2023). What determines FinTech success?—A taxonomy-based analysis of FinTech success factors. Electronic Markets, 33. https://doi.org/10.1007/s12525-023-00626-7
Xia, H., Gao, Y., & Zhang, J. (2023). Understanding the adoption context of China’s digital currency electronic payment. Financial Innovation, 9. https://doi.org/10.1186/s40854-023-00467-5
Xu, W., Hu, D., Lang, K., & Zhao, J. (2022). Blockchain and digital finance. Financial Innovation, 8. https://doi.org/10.1186/s40854-022-00420-y
Published
How to Cite
Issue
Section
Copyright (c) 2025 Andi Mustika Amin
This work is licensed under a Creative Commons Attribution 4.0 International License.
