Al-Shami Samer Ali, Damayanti Ratna, Adil Hayder, Farhi Faycal, Al Mamun Abdullah
Universiti Teknikal Malaysia Melaka, Malaysia.
Islamic Batik University Surakarta, Indonesia.
Heliyon. 2024 Jul 19;10(15):e34902. doi: 10.1016/j.heliyon.2024.e34902. eCollection 2024 Aug 15.
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.
蜡染是一种印度尼西亚的纺织艺术形式，具有巨大的经济和文化重要性。专门从事蜡染的中小企业在印度尼西亚的经济增长和文化保护中发挥着关键作用，对国内生产总值（GDP）做出了重大贡献，并保护了国家的遗产。然而，这些企业面临着一些挑战，如增长缓慢和信贷获取有限。蜡染行业在金融知识普及和数字营销策略的采用方面也较为滞后，阻碍了其发展。这项定量研究旨在调查蜡染中小企业的金融知识、数字金融知识与金融包容性之间的关系，并考察在线社交网络的调节作用。对535家小型蜡染企业的经理、所有者和财务人员进行了一项调查。随后，采用SmartPLS统计分析方法进行数据分析。结果表明，金融知识和数字金融知识在蜡染小企业获得金融包容性方面发挥着重要作用。此外，发现社交媒体的使用对这些关系具有调节作用，放大了金融和数字知识对金融包容性的影响。这些发现为现有知识做出了贡献，为加强蜡染小企业提供了见解，并提出了一种促进金融包容性的数字金融模式。
