Digital Literacy and Financial Literacy On Entrepreneurial Behavior In Msmes (Fishery Products For Coastal and Mining Communities Southeast Sulawesi)


  • Indri Setyawati Universitas Mandala Waluya
  • La Ode Zulfadlih Universitas Mandala Waluya
  • Ahsan Qasas Universitas Mandala Waluya
  • Adhe Arya Pramana Universitas Mandala Waluya
  • Rahmat Ibrahim Universitas Mandala Waluya


Digital Literacy, Financial Literacy, Entrepreneurial Behavior, MSMEs


This study aims to explain the influence of digital literacy and financial literacy on entrepreneurial behavior in MSMEs in the management of fishery products in the coastal and mining communities of Southeast Sulawesi. In particular, digital literacy in this study is proxied to using information technology, communication, and utilizing it, and financial literacy in this study is proxied to managing and using finance intelligently. While entrepreneurship behavior is proxied as individual behavior, social and environmental behavior, and work behavior in entrepreneurship. The sample of this research is all MSMEs fishery management results from coastal and mining areas of Southeast Sulawesi. The sample was selected using purposive sampling, which consisted of a questionnaire. The analysis method used in this study was bivariate analysis using SPSS Version 20 software. The results of this study show that digital literacy does not affect entrepreneurial behavior. Financial literacy has a positive effect on entrepreneurial behavior. Meanwhile, financial literacy in moderating digital literacy has a significant positive effect on entrepreneurial behavior in MSMEs managing fishery products of coastal and mining communities in Southeast Sulawesi.


Amagir, A., W. Groot,H.M. Brink,and A. Wilschut. (2019) “SaveWise: the design of a financial education program in the Netherlands.”Citizenship, Social and Economics Education18 (2): 100-120.

Bank Indonesia. (2020). Laporan Perekonomian Indonesia 2020. In Bank Indonesia (Ed.), IV (1st ed., pp. 110–125). Bank Indonesia.

Cohen, M., & Candace Nelson. (2011). Financial Literacy: A Step for Clients towards Financial Inclusion. Global Microcredit Summit, 1–34.

Dam, Leena B., and HotwaniMalti (2018) “Financial literacy: Conceptual framework and scale development.” SAMVAD: SIBM Pune Research Journal15: 61-69.

Febriyantoro, M. T., & Arisandi, D. (2018). Pemanfaatan Digital Marketing Bagi Usaha Mikro,Kecil Dan Menengah Pada Era Masyarakat Ekonomi Asean. JMD: Jurnal Manajemen Dewantara, 1(2), 62–76.

Firdayana, S., Asri, A and Qasas, A (2022). Strategy Of Village Owned Enterprise In The Covid-19 Pandemic (Case Study At Koronua Village, Sabulakoa District, Konawe Selatan Regency).” Internasional J.Of Management & Education In Human Development”. 348-351

Herawati, N. T. (2017). Tingkat Literasi Keuangan Mahasiswa Serta Faktor-Faktor yang Mempengaruhinya. Seminar Nasional Riset Inovatif, 131–137.

Herdinata, C., & Pranatasari, F. D. (2019). Panduan Penerapan Financial Technology Melalui Regulasi, Kolaborasi, dan Literasi Keuangan Pada UMKM (1st ed.).

Leutika.Pertiwi, U. M. (2014). Penerapan Financial Technology dan Peningkatan literasi keuangan Untuk Strategi Penguatan Bisnis UMKM di Kalimantan Barat. 365–376.

Moreno-Herrero, D., M. Salas-Velasco, and J. Sanchez-Campillo (2018) “Factors that influence the level of financial literacy among young people: The role of parental engagement and students‟ experiences with money matters.”Children and Youth Services Review, 95: 334-351.

Palani V. and S. Mani (2016) “Exploratory factor analysis: Development of perceived peer pressure scale.” International Journal of Information Science and Computing3 (1): 31-41.

Qasas A., Marhanto,E,D,P and Firdayana, S (2022). Marketing Strategy Of Agricultural Product In Building Farmers Performance Through Digital System In Mowila Village, Mowila District Konawe Selatan Regency” Internasional J.Of Management & Education In Human Development”. 352-355

Rudeloff, M. (2019) “The influence of informal learning opportunities on adolescents‟ financial literacy.” Empirical Research in VocationalEducation and Training11(11).

Setyawati, I., Firdayana, S and Sulfadlih, L.O.S. (2022). The Effect Of Taxes On Capital Structure Of Companies In Indonesia.” Internasional J.Of Management & Education In Human Development”. 342-347

Setyawati, I., Firdayana, S (2022). Customer Satisfaction Analysis (Case Study At PT.Bank Rakyat Indonesia (Persero) Kolaka Branch.” Internasional J.Of Management & Education In Human Development”. 356-361

Wijoyo, H.,&Bakrie, W. (2020). Digitalisasi Usaha Mikro Kecil Dan Menengah (Umkm) Di Era. Prosiding Seminar Nasional Kahuripan I, November, 9–13.




How to Cite

Setyawati, I., La Ode Zulfadlih, Ahsan Qasas, Adhe Arya Pramana, & Rahmat Ibrahim. (2022). Digital Literacy and Financial Literacy On Entrepreneurial Behavior In Msmes (Fishery Products For Coastal and Mining Communities Southeast Sulawesi). International Journal of Management and Education in Human Development, 2(3), 605–609. Retrieved from