金融知识、数字金融知识和妇女经济赋权

Q2 Social Sciences

Australian Journal of Telecommunications and the Digital Economy Pub Date : 2023-06-28 DOI:10.18080/jtde.v11n2.700

R. Rahayu, Verni Juita, Annisaa Rahman

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引用次数: 1

摘要

关于女性经济赋权(WEE)的研究很多，大多与金融素养(FL)相关。然而，在这个以金融科技出现为标志的数字时代，FL需要扩展到数字金融素养(DFL)，以做出良好的财务决策，特别是关于金融科技产品。因此，本研究旨在探讨DFL和FL对WEE的影响。在这项研究中，有259名女性受访者参与。利用PLS结构方程模型，研究发现DFL和FL对WEE都有显著的正向影响。然而，进一步分析发现，DFL影响WEE的所有5个维度。同时，FL只影响WEE的3个组分。此外，结果还表明，与FL相比，DFL对WEE的影响要大得多。这些结果证明，在这个数字时代，FL不足以做出良好的财务决策，但需要更多的理解，特别是与数字素养相关的知识。这些研究结果有望对DFL变量在中小企业研究中的重要性提供新的认识，并为印尼政府在制定中小企业相关政策时更多地考虑DFL提供参考。

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Financial Literacy, Digital Financial Literacy and Women’s Economic Empowerment

There have many been studies on women’s economic empowerment (WEE), most related to financial literacy (FL). However, in this digital era marked by the emergence of Fintech, FL needs to be expanded into digital financial literacy (DFL), in making good financial decisions, especially regarding Fintech products. Hence, the study aims to investigate the influence of DFL and FL on WEE. In this study, 259 female respondents participated. Using the PLS Structural Equation Modelling, the study found that both DFL and FL had a positive and significant effect on WEE. However, further analysis found that DFL affects all 5 dimensions of WEE. Meanwhile, FL only affects 3 components of WEE. In addition, the results also show that DFL has a much greater influence on WEE compared to FL. These results prove that, in this digital era, FL is not sufficient for making good financial decisions, but more understanding is needed, especially related to digital literacy. These results are expected to provide a new understanding of the importance of the DFL variable in the study of WEE, as well as input for the Indonesian government to give more consideration to DFL in making policies related to WEE.

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来源期刊

Australian Journal of Telecommunications and the Digital Economy Social Sciences-Communication

CiteScore

1.60

自引率

0.00%

发文量

期刊介绍： The Journal of Telecommunications and the Digital Economy (JTDE) is an international, open-access, high quality, peer reviewed journal, indexed by Scopus and Google Scholar, covering innovative research and practice in Telecommunications, Digital Economy and Applications. The mission of JTDE is to further through publication the objective of advancing learning, knowledge and research worldwide. The JTDE publishes peer reviewed papers that may take the following form: *Research Paper - a paper making an original contribution to engineering knowledge. *Special Interest Paper – a report on significant aspects of a major or notable project. *Review Paper for specialists – an overview of a relevant area intended for specialists in the field covered. *Review Paper for non-specialists – an overview of a relevant area suitable for a reader with an electrical/electronics background. *Public Policy Discussion - a paper that identifies or discusses public policy and includes investigation of legislation, regulation and what is happening around the world including best practice *Tutorial Paper – a paper that explains an important subject or clarifies the approach to an area of design or investigation. *Technical Note – a technical note or letter to the Editors that is not sufficiently developed or extensive in scope to constitute a full paper. *Industry Case Study - a paper that provides details of industry practices utilising a case study to provide an understanding of what is occurring and how the outcomes have been achieved. *Discussion – a contribution to discuss a published paper to which the original author''s response will be sought. Historical - a paper covering a historical topic related to telecommunications or the digital economy.