Sharia, Digital, and Financial Literacy in Action: Transforming Social Capital and Digital Finance into Micro-Enterprise Well-Being through Financial Behavior

Setiawan, Dani; Nidar, Sulaeman Rahman; Cupian, Cupian

doi:10.15575/ijni.v14i2.57252

Jurnal

Sharia, Digital, and Financial Literacy in Action: Transforming Social Capital and Digital Finance into Micro-Enterprise Well-Being through Financial Behavior

International Journal of Nusantara Islam · Vol. 14 No. 2 (2026) · hlm. 1047–1066

DOI: 10.15575/ijni.v14i2.57252
ISSN: 2355-651X, 2252-5904
Terbit: 2026-09-03
Penerbit: UIN Sunan Gunung Djati Bandung
Bahasa: eng

Abstrak

The Indonesian digital economy has encouraged micro-business owners' use of Digital Financial Services (DFS). These services have been widely adopted, but these actors' financial behavior (FB) and well-being (FWB) have not improved. This study analyzes how DFS and SC affect FWB directly and indirectly FB. Financial Literacy (FL), Sharia Financial Literacy (SFL), and Digital Financial Literacy (DFL) moderate the link between DFS and SC with FB. The quantitative survey study targets 300 West Java micro-entrepreneurs. Data was obtained using structured questionnaires and analyzed using SEM-PLS. Both DFS and SC positively and dramatically affect FB and FWB. FB also boosts FWB and mediates DFS–FWB and SC–FWB interactions. Moreover, FL, SFL, and DFL amplify the impact of DFS on FB. In the association between SC and FB, FL and SFL function as important moderators, whereas DFL does not moderate this association. The findings indicate that enhancing the financial well-being of micro-entrepreneurs is affected by access to digital financial services and social resources, as well as the quality of their financial behavior and their level of literacy.

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13 penulis · 21 tautan kepenulisan bersama · 3 lintas organisasi

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Padjadjaran University
Sunan Gunung Djati State Islamic University Bandung
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Tampilkan sebagai tabel

Rekan penulis	Organisasi	Artikel bersama
Resa Subagja Michael Sitorus	Padjadjaran University	1
H Sutisna	Padjadjaran University	1
Kadar Nurjaman	Sunan Gunung Djati State Islamic University Bandung	1
Muhammad Zaky	Sunan Gunung Djati State Islamic University Bandung	1
Esa Kurnia	Sunan Gunung Djati State Islamic University Bandung	1
Moch. Ihsan Maulana Sa'ban	Afiliasi tidak diketahui	1
Ahmad Luqman Hakim	Padjadjaran University	1
Erman Sumirat	Afiliasi tidak diketahui	1
Mokhamad Anwar	Padjadjaran University	1
P Irawan	Padjadjaran University	1

Afiliasi berasal dari OpenAlex; metadata OAI-PMH jurnal tidak memuatnya. Penulis tanpa ID OpenAlex dicocokkan berdasarkan nama, sehingga dua orang bisa tergabung atau satu orang bisa terpisah.

Sumber metadata: OAI-PMH (metadata jurnal) https://journal.uinsgd.ac.id/index.php/ijni/oai, pertama di-harvest 7 Nov 2026, terakhir terlihat 8 Nov 2026.

Metadata asli (oai_dc)

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	<dc:title xml:lang="en-US">Sharia, Digital, and Financial Literacy in Action: Transforming Social Capital and Digital Finance into Micro-Enterprise Well-Being through Financial Behavior</dc:title>
	<dc:creator>Setiawan, Dani</dc:creator>
	<dc:creator>Nidar, Sulaeman Rahman</dc:creator>
	<dc:creator>Cupian, Cupian</dc:creator>
	<dc:subject xml:lang="en-US">digital financial services</dc:subject>
	<dc:subject xml:lang="en-US">financial behavior</dc:subject>
	<dc:subject xml:lang="en-US">financial well-being</dc:subject>
	<dc:subject xml:lang="en-US">financial literacy</dc:subject>
	<dc:subject xml:lang="en-US">micro-entrepreneurs</dc:subject>
	<dc:description xml:lang="en-US">The Indonesian digital economy has encouraged micro-business owners' use of Digital Financial Services (DFS). These services have been widely adopted, but these actors' financial behavior (FB) and well-being (FWB) have not improved. This study analyzes how DFS and SC affect FWB directly and indirectly FB. Financial Literacy (FL), Sharia Financial Literacy (SFL), and Digital Financial Literacy (DFL) moderate the link between DFS and SC with FB. The quantitative survey study targets 300 West Java micro-entrepreneurs. Data was obtained using structured questionnaires and analyzed using SEM-PLS.  Both DFS and SC positively and dramatically affect FB and FWB. FB also boosts FWB and mediates DFS–FWB and SC–FWB interactions. Moreover, FL, SFL, and DFL amplify the impact of DFS on FB. In the association between SC and FB, FL and SFL function as important moderators, whereas DFL does not moderate this association. The findings indicate that enhancing the financial well-being of micro-entrepreneurs is affected by access to digital financial services and social resources, as well as the quality of their financial behavior and their level of literacy.</dc:description>
	<dc:publisher xml:lang="en-US">UIN Sunan Gunung Djati Bandung</dc:publisher>
	<dc:date>2026-09-03</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.uinsgd.ac.id/index.php/ijni/article/view/57252</dc:identifier>
	<dc:identifier>10.15575/ijni.v14i2.57252</dc:identifier>
	<dc:source xml:lang="en-US">International Journal of Nusantara Islam; Vol. 14 No. 2 (2026): International Journal of Nusantara Islam; 1047-1066</dc:source>
	<dc:source xml:lang="id-ID">International Journal of Nusantara Islam; Vol 14 No 2 (2026): International Journal of Nusantara Islam; 1047-1066</dc:source>
	<dc:source>2355-651X</dc:source>
	<dc:source>2252-5904</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.uinsgd.ac.id/index.php/ijni/article/view/57252/17105</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2026 International Journal of Nusantara Islam</dc:rights>
</oai_dc:dc>