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Journal articles on the topic 'Digital finances'

Author: Grafiati

Published: 7 June 2025

Last updated: 2 August 2025

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1

Santoso, Aprih, Saifudin Saifudin, and Ardiani Ika Sulistyawati. "MEMBUMIKAN METODE PALS PADA DIGITALISASI PENGELOLAAN DASAR KEUANGAN FORUM UMKM MRANGGEN DEMAK." Buletin Abdi Masyarakat 5, no. 2 (2025): 55. https://doi.org/10.47686/bam.v5i2.752.

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Current conditions based on a pre-survey by the Community Service Team, many members of Mranggen District MSME Actors are unable to manage their MSME finances properly, especially in managing income and expenses and separating personal finances from business finances. On the one hand, reduced income due to the global food crisis has an impact on irregular income for MSMEs. On the other hand, increased expenses, due to the needs and prices of consumer goods also make it difficult to manage MSME finances. This is what motivated the Community Service Team to be interested in carrying out communit

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Hrytsenko, Кostiantyn, Elina Shramko, and Avhusta Hrytsenko. "Development of a web-oriented system for accounting and analysing personal finances." Economic Analysis, no. 34(3) (2024): 301–11. https://doi.org/10.35774/econa2024.03.301.

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Introduction. Traditional methods of accounting and analysing personal finances are ineffective for the challenges of the modern world, which leads to the need to find innovative solutions. Web-oriented systems offer such solutions. They provide access to up-to-date financial information and automate the processes of accounting, analysing and planning, which generally improves the efficiency of personal finance management. Implementing digital technologies in managing personal finances improves the digital and financial literacy of the population and contributes to the development of the digit

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Laposha, Dmytro. "IMPLEMENTATION OF DIGITAL TECHNOLOGIES WHEN EXECUTING CONTROL OF PUBLIC FINANCES IN THE TERRITORIAL COMMUNITY." Management of Development of Complex Systems, no. 51 (October 7, 2022): 58–68. http://dx.doi.org/10.32347/2412-9933.2022.51.58-68.

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The article substantiates the necessity and importance of the implementation of digital technologies in the control of public finances in the territorial community, which is a requirement of the time and a continuation of the state digitalization policy. Modern trends in the digital transformation of public finance control mechanisms have been identified and characterized. The need to use automated information systems and digital technologies to increase the effectiveness of public finance control is considered, which is due to the following factors: significant volumes of information that nee

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Zurab Aznaurashvili, Zurab Aznaurashvili. "The Risks of Using Cryptocurrency in Political Financing And The Methods for its Prevention." Economics 104, no. 10-12 (2021): 41–51. http://dx.doi.org/10.36962/ecs104/10-12/2021-41.

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Regulating and monitoring political finances is an important factor in ensuring a fair and equitable electoral environment, but there are frequent cases of illegal finances, and in the modern world there is a tendency to use digital currencies, which are slowly entering political parties and making political finances monitoring impossible. The Relevant political finance regulations set standards for access to information, which make it possible to process the required information, to monitor it and achieve the transparency of information. Moreover, the Regulation and transparency of funding po

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Putri, Anike, Ghea Nofayza, Widi Dwi Aditia Putra, and Delia Arofah. "Pemahaman Dasar Keuangan Untuk Pengoperasian Aplikasi Buku Warung." Jurnal Bhakti Karya dan Inovatif 3, no. 1 (2023): 7–11. http://dx.doi.org/10.37278/bhaktikaryadaninovatif.v3i1.579.

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For MSMEs, several steps can be taken in order to manage finances well, namely starting to separate personal and business finances, and starting simple bookkeeping. If MSMEs are able to separate personal finance from business finance, and have bookkeeping or administrative management (business finance), MSMEs can try to make financial planning in a simple way. By separating personal and business financial records, owners can more easily manage their business finances. This is because the accuracy of business financial records can influence decision making and evaluate business performance. Mix

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Nawai, Norhaziah. "FACTORS INFLUENCING THE ADOPTION OF DIGITAL FINANCE AMONG MICROENTREPRENEURS." iBAF e-Proceedings 11, no. 1 (2024): 871–82. https://doi.org/10.33102/zpq9jj24.

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Digital finance has significantly transformed the microentrepreneurs landscape, particularly in developing countries. By leveraging digital platforms, these entrepreneurs can manage their finances more effectively, access new markets, and integrate into the formal economy. Digital finance can empower microentrepreneurs by providing them greater financial autonomy, reducing their dependence on informal and often exploitative financial arrangements, and offering them tools to better manage their business risks. This paper aims to explore the factors that influence the adoption of digital finance

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Ferli, Ossi, Deni Wardani, Dylan Gonardo, and Gabriel Radja Dava. "Digital Finance Socialization in Improving Financial Literacy at SMPN 3 South Tangerang." Jurnal Pengabdian Masyarakat Bestari 4, no. 5 (2025): 381–94. https://doi.org/10.55927/jpmb.v4i5.135.

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Technological developments have encouraged the emergence of digital finance, which is a technology-based financial system that includes services such as digital payments, online loans, investments, and mobile banking. However, the adoption of digital finance still faces significant challenges, especially low financial literacy among the public. Financial literacy encompasses the knowledge, skills, attitudes, and behaviors necessary to manage finances wisely and understand increasingly complex financial products and services. This socialization aims to increase students' understanding of digita

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Oleksandr Bulavynets. "Social Transfers and Public Finance Efficiency: Navigating Digital Transformation Challenges." Journal of Information Systems Engineering and Management 10, no. 2s (2024): 453–61. https://doi.org/10.52783/jisem.v10i2s.333.

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Introduction: The paper analyses the experience and challenges of digital transformations in terms of the impact of social transfers on the efficiency of public finances. The significance of the study is that social transfers as payments to persons not engaged in economic activity are currently receiving particular attention in the context of the Russian-Ukrainian war. Social transfers constitute a significant part of public finances and, therefore, require public scrutiny. Objectives: The study aims to analyse the experience and challenges of digital transformation in terms of the impact of s

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Bareta, Rizky Dian, Triyono Triyono, and Rahmat Rahmat. "Legal Politics of Electronic Documents in State Finances As Legal Evidence." Jurnal Ilmiah Dunia Hukum 7, no. 2 (2023): 113. http://dx.doi.org/10.56444/jidh.v7i2.3362.

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<p><em>Disruption of digital technology as part of the industrial revolution 4.0 forces changes in human culture to keep up with the times, including in public institutions. Regulating the digitalization of state finances has risks, including electronic evidence in court that is very likely to occur, given that corruption in state finances is still rampant, requiring legal evidence in court. This research is normative research by examining the existence of regulations related to electronic documents in state finances and explaining how electronic documents are formed. In this study

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Jakupi, Shefket Zeqir, and Besart Hajrizi. "Personal Finances’ Planning and Management as means for a Successful Family Life." International Journal of Management Excellence 10, no. 1 (2017): 1235–40. http://dx.doi.org/10.17722/ijme.v10i1.951.

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Abstract Studying personal finances helps avoiding financial difficulties and the use of financial opportunities to provide a chance for a successful family life. Personal finance is based on studying the financial resources of the family, which are considered important in the pursuit of financial success, that is, how people spend, save, protect and invest their money in everyday life. Personal finance is linked to these key concepts: financial responsibility, financial success and financial satisfaction, addressed in four key issues namely: Saving, Borrowing, Insurance and Investing.&#

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Agusti, Netta, and Ellys Yuliarti. "Literasi Keuangan Digital pada Kelompok Wanita Tani (KWT) di Desa Durian Demang Kabupaten Bengkulu Tengah." Jurnal Pengabdian Kepada Masyarakat 5, no. 2 (2025): 218–26. https://doi.org/10.37567/pkm.v5i2.3822.

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Adoption of digital financial services has the potential to empower women farmers and increase their financial inclusion. This community service provides simple digital financial literacy to women farmer groups (KWT) in Durian Demang Village through socialization, training, and introduction of the SiApik application. The training includes digital money management, online security, digital payments, savings, investments, loans, insurance, as well as fraud prevention and digital budgeting. Participants were enthusiastic because they actively managed household and group finances. However, the dig

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Yaqin, Misbahol, and Sugiharso Safuan. "Digital Financial Inclusion and Implications for Developing Countries Economic Growth." Journal of Developing Economies 8, no. 1 (2023): 29–48. http://dx.doi.org/10.20473/jde.v8i1.38361.

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This study aims to develop a model to measure financial inclusion by incorporating the evolution of digital finance and identifying its relationship with GDP growth in emerging nations. Data used are from 51 developing countries in 2014 and 2017. Principal component analysis (PCA) was used to create the Digital Financial Inclusion Index. The fixed effects model (FEM) is used to estimate the association between the inclusion of digital finances and economic growth. According to the study, metrics of digital financial inclusion in emerging nations are in the middle. Compared to other research, t

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Sova, Olena, Tetiana Ganushchak, Valentyna Khrapkina, and Oksana Onyshchenko. "Development of remote identification the enterprises by digital technologies." SHS Web of Conferences 120 (2021): 02004. http://dx.doi.org/10.1051/shsconf/202112002004.

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The article is devoted to the formulation of electronic remote identification of enterprises by digital technologies. The paper determines a practical aspect of using electronic remote identification between the bank and the organizations. The article emphasizes that BankID system has great social importance and wide practical application in Nordics and Ukraine. It is analyzed the level of Ukrainian enterprises’ computerization in various industries. The shares of some industries in the structure of the Ukrainian’s GDP with the construction of a trend line are given. Authors compare states of

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Bukhtiarova, Alina, Yuliia Dukhno, Ganna Kulish, Iryna Kurochkina, and Volodymyr Lypchanskyi. "Ensuring transparency of key public finance authorities." Investment Management and Financial Innovations 16, no. 2 (2019): 128–39. http://dx.doi.org/10.21511/imfi.16(2).2019.11.

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Nowadays, there is a constant need for managing large amounts of information in public finances to identify existing and prevent future cases of illegal use of financial resources of citizens. The openness of information of key public finance authorities has a powerful anti-corruption effect and has a beneficial effect on economic development, while transparency of public finances is a factor in the successful implementation of the reform of all spheres of the economy.The purpose of the article is to develop a methodology for assessing the institutional and political transparency of the leadin

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HABINAMWISHO, LUSHEKE Jean-Paul. "Business Growth and Governance of Public Finances: A Comprehensive Analysis." International Journal of Innovative Science and Research Technology (IJISRT) 9, no. 11 (2024): 2746–57. https://doi.org/10.5281/zenodo.14443733.

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The paper explores a multi-faceted relationship between business growth and governance of public finances. Based on theoretical frameworks, empirical studies, and best worldwide practices, it discusses how the public finance management impacts the business environment and economic growth. Key areas of public finance governance encompass fiscal policy, revenue management, and public expenditure, all associated with their influence on business development and macroeconomic stability. We also engage with the challenges related to the manifestation of transparency and accountability in public fina

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Mardiana, Mardiana, Salsabillah Devia Khansa, and Risky Wulandari. "Analisis Efektivitas Dan Efisiensi Sistem Informasi Akuntansi Pada Aplikasi DANA Untuk Mengatur Keuangan Masyarakat." IJAcc 3, no. 1 (2022): 6–12. http://dx.doi.org/10.33050/jakbi.v3i1.2152.

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In today's digital era, many people have implemented digital systems to support their daily activities. One of them is to manage finances. The DANA application is one of the many financial management applications in Indonesia. In this application, users can manage finances such as income, expenses, shopping, and others, as well as user financial data and information. However, is the application effective and efficient for managing finances? In this study, a survey will be conducted using a questionnaire with 102 respondents who are users of the DANA application. The results of this study indic

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Natia Shengelia, Natia Shengelia, Zhuzhuna Tsiklauri Zhuzhuna Tsiklauri, Agnieszka Rzepka Agnieszka Rzepka, and Revaz Shengelia Revaz Shengelia. "The Impact of Financial Technologies on Digital Transformation of Accounting, Audit and Financial Reporting." Economics 105, no. 03 (2022): 385–99. http://dx.doi.org/10.36962/ecs105/3/2022-385.

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FinTech is a combination of Finance and Technology which involves use of modern smart technology like big data analytics, cloud computing, artificial intelligence, machine learning, and robotics, for doing finance. Financial technology development has influenced nearly all financial services industry, from granting to insurance, from accounting to consultancy, from consumer finance to investment banking. As a result of digital transformation, preparation of XBRL-based structured digital Financial Reports, block-chain trading, accounting of new digital assets, cryptocurrency has assigned more s

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Afrida, Fenny, Albert Herlambang, Linda Wahyu Marpaung, et al. "Socialization of Digital Financial Applications to Organize Financial Management for Dayah Darul Hikmah Students." Eastasouth Journal of Positive Community Services 3, no. 03 (2025): 170–74. https://doi.org/10.58812/ejpcs.v3i03.335.

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Management finance is very necessary for students, especially for for Gen Z. With existence sophistication technology there is various type common problems appeared, one of them that is problem finance. Often times for follow trend or style life, Gen Z sacrifices condition finance they are for the sake of Can follow existing trends. Such as submit credit or loan on line only For fulfil prestige life they. Activities devotion to public This was held at Dayah Darul Hikmah, Baitussalam District, Aceh Besar, on Friday, February 14, 2025, and was attended by 50 students. The activity This aiming Fo

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Rachmaniyah, Fatichatur, Siti Shoimah, Moh Azus Shony Azar, and Aldhian Nur Isnaini. "EDUKASI STRATEGI DIGITAL MARKETING DAN PENCATATAN FINANCIAL SEDERHANA DENGAN APLIKASI SMART PHONE UNTUK MENINGKATKAN PENJUALAN UMKM KERUPUK BAWANG DI DESA KEDALI LAMONGAN." Jurnal Pengabdian Kepada Masyarakat 9, no. 1 (2022): 45–48. http://dx.doi.org/10.33795/jabdimas.v9i1.158.

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This pandemic is increasingly hampering the development of Indonesian SMEs. The restrictions imposed have made the sales level of SMEs decrease significantly. Therefore, SMEs must be required to be creative in using digital application media to survive. So this is important for SMEs to know about digital marketing and how to record finances with smartphone applications to make the right financial decisions. The purpose of this dedication is to educate about the importance of digital marketing strategies to increase sales and manage finances with smartphone applications so that they can allocat

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Andrayani, Leni, Veithzal Rivai Zainal, Lenny Christina Nawangasri, and Wisnu W. Hariadi. "Pelatihan Dan Pengembangan Pegawai Di Lingkungan Kementerian Keuangan." COMSERVA Indonesian Jurnal of Community Services and Development 2, no. 6 (2022): 836–42. http://dx.doi.org/10.59141/comserva.v2i6.365.

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This journal uses a library research method to determine the training and development of employees within the ministry of finance. Human resources are an important factor in an agency or company. The strategic role of the Ministry of Finance in managing state finances needs to be supported by reliable, accountable and competent human resources who can complete tasks effectively and efficiently. Therefore, the Ministry of Finance uses the Kemenkeu Learning Centre (KLC) electronic base which functions for technological advancement in the digital era and conducts training that is not limited by d

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Retnowati, May Shinta, Anisa Silvi Kusumastuti, and Nisrina Rafifahnur. "OPTIMALISASI MANAJEMEN KEUANGAN BERBASIS DIGITAL SI APIK SEBAGAI PENINGKATAN MUTU UMKM." ANALISIS 14, no. 01 (2024): 135–47. http://dx.doi.org/10.37478/als.v14i01.3747.

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Micro, small and medium enterprises (MSMEs) are one of the drivers of the Indonesian economy. Along with the times and technology, it causes business actors to develop more in all respects, especially finance. One of the most important parts of a business is good financial records. Business actors who do not have neat and correct finances will experience a little difficulty in applying for capital or credit to banks. The lack of education and understanding they have can also be one of the causes. With this problem in mind, the government collaborated with Bank Indonesia to create a financial r

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Yuneline, Mirza Hedismarlina, and Maria Firnandya Christian Rosanti. "The Role of Digital Finance, Financial Literacy, and Lifestyle on Financial Behaviour." HOLISTICA – Journal of Business and Public Administration 14, no. 2 (2023): 97–115. http://dx.doi.org/10.2478/hjbpa-2023-0018.

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Abstract The development of technology and information provides convenience and many choices in making financial decisions. Many new and diverse financial products require people to have a better understanding of the process of using them. This is supported by financial literacy and an understanding of managing finances to avoid bad financial decisions. Technology adoption also leads to a rigorous lifestyle that makes them use digital services as a quick and useful tool for their activities. This study aims to examine the role of digital finance, financial literacy, and lifestyle on student’s

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Basuki, Sucipto, Francisca Sestri Goestjahjanti, Winanti Winanti, et al. "Sosialisasi Manajemen Keuangan Digital bagi Pelaku Usaha dan Masyarakat di Kabupaten Tangerang." Dharma Sevanam : Jurnal Pengabdian Masyarakat 3, no. 2 (2024): 152–61. https://doi.org/10.53977/sjpkm.v3i2.1931.

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Business actors who still carry out many conventional financial transactions that have the risk of being lost and inviting criminals. The purpose of this socialization is to provide understanding and education to MSME actors to use and manage finances digitally. The method used is through lectures and interactive discussions. The results of the socialization can provide awareness to business actors to use digital finance in all financial transactions. Monitoring and evaluation are carried out by asking several participants directly about the socialization activities from the beginning to the e

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Dewanahalim, Muhammad Arya, Oryza Sativa Virel, Syandy Pramudya Ajitama, Ibnu Rivai, and Zara Tania Rahmadi. "PEMANFAATAN TEKNOLOGI REVOLUSI INDUSTRI 4.0 UNTUK LAPORAN KEUANGAN SEDERHANA WARUNG KOPI HJ JUNEN." PUAN INDONESIA 7, no. 1 (2025): 157–66. https://doi.org/10.37296/jpi.v7i1.361.

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The Industrial Revolution 4.0 presents opportunities and challenges in managing MSME finances, especially due to limited digital literacy and resources. This research accompanies Warung Kopi Haji Junen through training and application of digital financial technology, such as QRIS and Microsoft Excel, to increase the efficiency of financial recording. The results show that the coffee shop has succeeded in preparing structured financial reports, including balance sheets, profit and loss and cash flow, although challenges in using technology are still encountered. This assistance proves the impor

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Nikolić, Ljubica. "Challenges of digitalization of financial transactions." Zbornik radova Pravnog fakulteta Nis 62, no. 98 (2023): 51–71. http://dx.doi.org/10.5937/zrpfn1-44231.

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The accelerated development of information technologies has fundamentally changed and improved the functioning of the global financial system, financial markets and economic exchange. Digitization of the financial sector has generated new financial opportunities, improved the quality of financial services, enabled faster and cheaper financial transactions. The challenges accompanying the digital transformation of finances are related to the regulation and security of using new digital products, the possible abuse of digital money transfers, as well as the emergence of technology-based decentra

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ХВОСТЕНКО О.А., ХВОСТЕНКО О. А., УГОЛЬНОВ Д. В. УГОЛЬНОВ Д.В., and ГАВРИЛОВ О. А. ГАВРИЛОВ О.А. "THE NEED FOR DIGITALIZATION AND ITS ROLE IN THE FUNCTIONING OF PUBLIC FINANCES." Экономика и предпринимательство, no. 5(166) (June 28, 2024): 189–92. http://dx.doi.org/10.34925/eip.2024.166.5.032.

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Статья посвящена исследованию процесса цифровизации, выявлению его роли в функционировании общественных финансов и управлении ими. Авторы проводят анализ трудов российских ученых, посвященных выделению роли цифровизации в экономике и формулированию понятия «цифровая экономика». Также приведены положения нормативно-правовых актов, содержащих комплекс мер по внедрению цифровых технологий в сферу общественных финансов. По результатам исследования авторами выделены положительные и отрицательные стороны управления общественными финансами в условиях цифровизации. The article is devoted to the study

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Pramesti, Ginna Novarianti Dwi Putri. "The Role of Sharia Cooperatives in Increase Welfare Members and Society in the Digital Age." Journal of Sharia Micro Enterprise and Cooperation 1, no. 1 (2024): 1–9. https://doi.org/10.59784/jsmec.v1i1.2.

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Digitalization cooperative Sharia in Indonesia offers potential big in increase welfare economic and social its members, especially in limited areas access service finances. Research This aiming for analyze impact digitalization to welfare member cooperative sharia and society surrounding areas, as well as identify factors success in implementation digital technology. Research use method survey descriptive with approach quantitative, involving 200 members cooperative sharia from various regions that have adopt digital services. Research results show that digitalization cooperative sharia impac

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Widyayanti, Evi Rosalina, Zulkifli Zulkifli, Rufaida Setyawati, et al. "PENDAMPINGAN DIGITALISASI UMKM DESA SUNGGINGAN GUNUNG KIDUL." BESIRU : Jurnal Pengabdian Masyarakat 2, no. 6 (2025): 644–51. https://doi.org/10.62335/besiru.v2i6.1381.

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This Community Service Program aims to increase the capacity and competitiveness of MSMEs in Sunggingan Village through assistance in utilizing digital technology. The problems faced by MSMEs in this village are, first, the lack of understanding of digital finance and minimal knowledge about transaction security in the digital era. Second, the less than optimal use of digital platforms to expand the reach of local product marketing. The implementation method is divided into three, namely socialization, counseling and practice for MSMEs with businesses such as culinary, services (laundry, sewin

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Liu, Jingfan, Wensi Wang, and Yingkai Zhang. "The Promotion of Green Technology Innovation by the Growth of Digital Finance in China: An Analysis from the Viewpoint of Investment and Financing." Advances in Economics, Management and Political Sciences 39, no. 1 (2023): 177–82. http://dx.doi.org/10.54254/2754-1169/39/20231962.

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The Chinese economy is at a crucial turning point of high-quality development and transformation. The advancement of the economic structure and the promotion of green economic development will be accelerated with the establishment of a new development model with green technological innovation at its core. Innovation in green technology has always been strongly influenced by financial development. There are now several advantages that digital financial services offers over traditional finance, opening up new avenues for the advancement of green technology. As a critical factor affecting the tec

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Muhammad, Ahsan Fayyaz. "The Transformative Role of Digital Technologies in Female Entrepreneurship in Africa: A Focus on E-Commerce, Fintech, and Agritech." medtigo Journal of Pharmacology 1, no. 1 (2024): e14169043. https://doi.org/10.5281/zenodo.14169043.

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This paper highlights the role of digital technologies in reworking women's entrepreneurship in Africa focusing on e-commerce, fintech, and agritech. Digital platforms, such as Jumia and M-Pesa, create avenues for empowering women with increased market access and financial inclusions; these avenues allow women to rise above the traditional constriction of a lack of mobility and lack of finance. Agritech solutions, such as FarmDrive, help woman farmers based on data-driven agricultural practices. Notwithstanding these developments, there are still challenges to encounter, such as the gender dig

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Reni Wijaya and Khairil Hamdi. "DIGITALISASI KEUANGAN MENUJU SMART UMKM LADU MUTIA DI KOTA PARIAMAN." ASAWIKA: Media Sosialisasi Abdimas Widya Karya 8, no. 2 (2023): 1–8. http://dx.doi.org/10.37832/asawika.v8i2.141.

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AbstrakKegiatan pengabdian kepada masyarakat ini merupakan pemberian pelatihan tentang cara pengelolaan keuangan secara digital, dan diharapkan pelaku UMKM dapat melaksanakan dalam aktivitas jual beli sehari-hari. Sehingga pelaku UMKM dapat meningkatkan daya saing dan produktivitas. Hasil Pelatihan dengan melakukan kegiatan yang telah direncanakan dengan pemaparan materi dan praktik langsung terkait dengan pengelolaan keuangan secara digital. Kegiatan pengabdian kepada masyarakat yang dilakukan memperoleh hasil antara lain: meningkatnya pengetahuan, pemahaman, keterampilan pelaku UMKM dalam pe

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Reni Wijaya and Khairil Hamdi. "DIGITALISASI KEUANGAN MENUJU SMART UMKM LADU MUTIA DI KOTA PARIAMAN." ASAWIKA: Media Sosialisasi Abdimas Widya Karya 8, no. 2 (2023): 1–8. http://dx.doi.org/10.37832/asawika.v8i02.141.

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AbstrakKegiatan pengabdian kepada masyarakat ini merupakan pemberian pelatihan tentang cara pengelolaan keuangan secara digital, dan diharapkan pelaku UMKM dapat melaksanakan dalam aktivitas jual beli sehari-hari. Sehingga pelaku UMKM dapat meningkatkan daya saing dan produktivitas. Hasil Pelatihan dengan melakukan kegiatan yang telah direncanakan dengan pemaparan materi dan praktik langsung terkait dengan pengelolaan keuangan secara digital. Kegiatan pengabdian kepada masyarakat yang dilakukan memperoleh hasil antara lain: meningkatnya pengetahuan, pemahaman, keterampilan pelaku UMKM dalam pe

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Rasheed, Rabia, Sulaman Hafeez Siddiqui, Iqbal Mahmood, and Sajjad Nawaz Khan. "Financial Inclusion for SMEs: Role of Digital Micro-financial Services." Review of Economics and Development Studies 5, no. 3 (2019): 429–39. http://dx.doi.org/10.26710/reads.v5i3.686.

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SMEs paly major role in poverty reduction and employment generation, therefore experts considered this sector as engine of economic growth. However, access to finance in developing countries is one of major issue in development of SME sector as well as hurdle in economic growth. Financial institutions banking and non-banking shows reluctant behaviour in providing financing to SMEs and the issue is more severe in emerging economies. Bank financing has been found as main source of funds for SMEs in Pakistan, however, to obtain these funds not easy for small and medium firms. Recently digital mic

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Ekong, Uduak Michael, and Christopher Nyong Ekong. "Digital currency and financial inclusion in Nigeria: lessons for development." Journal of Internet and Digital Economics 2, no. 1 (2022): 46–67. http://dx.doi.org/10.1108/jide-11-2021-0018.

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PurposeThis study aims to empirically investigate the effect of digital currency development (digital finance) on financial inclusion in Nigeria for the period. Nigeria undertook her digital currency development to rip the benefits of financial inclusion, safer remittances and exchange rate regularization among others.Design/methodology/approachThe researchers developed high-frequency quarterly data for the analysis from 2006:1 to 2020:4 in a weighted stepwise forward regression. A model similar to the one used by Demir et al. (2020) and Altunbas and Thornton (2019) with some modifications was

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PETROVA, GALINA V., and VALERY I. STUPAKOV. "THE ROLE OF CONSTITUTIONAL AND LEGAL REGULATION OF BUDGETARY RELATIONS IN THE CONTEXT OF DIGITALIZATION." Economic Problems and Legal Practice 21, no. 1 (2025): 67–72. https://doi.org/10.33693/2541-8025-2025-21-1-67-72.

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Introduction. The article examines the constitutional foundations of budget regulation and the budget process, which are developing in connection with the expansion of legislative regulation of the digitalization of budgetary relations. The information and legal regulation of budgetary relations in the context of digitalization of budgeting and budgetary control over the effectiveness of government agencies and institutions managing budget funds is analyzed. The relationship between the processes of constitutional and legal development and public-legal regulation of planned and budget financin

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Giantomi Muhammad, Ayi Sobarna, Nabila Safitri A, Chicha Siti Faujiah, and Rachma Vidia Putri. "Peningkatan Literasi Digital dan Keuangan Siswa SMP Negeri 01 Tanjungsiang Menuju Generasi Melek Teknologi dan Finansial." Beujroh : Jurnal Pemberdayaan dan Pengabdian pada Masyarakat 2, no. 3 (2024): 423–38. http://dx.doi.org/10.61579/beujroh.v2i3.207.

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At SMP Negeri 1 Tanjungsiang, a digital and financial literacy program has been created to prepare students to face these challenges by understanding the use of technology and managing personal finances. This is because digital and financial literacy are important skills for students in the modern era which is characterized by rapid technological developments and global economic complexity. The goal of the program is to teach students how to properly use digital tools, know about cybersecurity, and properly control personal finances. Preliminary results show that students understand both areas

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Nur Hamidah and Supadi Supadi. "Project-Based Learning to Improve Financial Literacy in the Digital Era for Vocational School Students." Jurnal Ilmiah Rumpun Ilmu Pendidikan 2, no. 1 (2025): 75–91. https://doi.org/10.63760/jirip.v2i1.34.

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This study aims to analyze the effectiveness of project-based learning in improving the financial literacy of vocational school students in the digital era. The research method used is a qualitative approach with a case study design, where data is collected through in-depth interviews, participatory observations, and documentation analysis related to the implementation of project-based learning in financial literacy learning. The research participants consisted of vocational school students who were directly involved in finance-based learning projects, teachers of economics or finance subjects

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Baltgailis, Jurijs, Vladimirs Meņšikovs, and Viktorija Šipilova. "DIGITAL CURRENCIES AND FINANCIAL LITERACY: ESSAY ON SUSTAINABLE FINANCES’ PERSPECTIVES." Sociālo Zinātņu Vēstnesis=Social Sciences Bulletin 37, no. 2 (2024): 7–24. http://dx.doi.org/10.9770/szv.2023.2(1).

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Umam, Khotibul, Yunadi Yunadi, Alkauzer Alkauzer, Try Itsnawati, and Ulfatul Hasanah. "The Role of Islamic Boarding Schools in Increasing Digital Financial Literacy in Indonesia." Ta'amul: Journal of Islamic Economics 2, no. 1 (2023): 21–36. http://dx.doi.org/10.58223/taamul.v2i1.65.

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Digital financial services in Indonesia have developed significantly, and even several Islamic boarding schools have implemented digital financial services for various types of transactions. Islamic boarding schools, one of Indonesia's oldest educational institutions, certainly have an important meaning in increasing financial literacy in Indonesia. The application of digital financial services in Islamic boarding schools is a strategic step in increasing financial literacy from an early age, especially for students, so that they form good habits in managing their finances in the future, such

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AGARKOVA, L. V., V. V. AGARKOV, and O. N. CHUVILOVA. "INNOVATIVE DEVELOPMENT OF HOUSEHOLD FINANCE." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 3, no. 4 (2021): 78–83. http://dx.doi.org/10.36871/ek.up.p.r.2021.04.03.011.

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According to national strategies, the innovative development of Russia should become a priority in all areas. In terms of finance, there is a contradictory picture, when certain sectors, primarily banking and taxation, are the national leaders in the use of innovative solutions, and such as household finance are significantly lagging behind. The article examines the economic potential of households, taking into account the current challenges in financial systems, and in addition, it is proposed to develop a unified national digital platform for the development of household finance. This will a

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Febby Putra Pratama Hendrico and Estiko Rijanto. "E-Accounting on Internal Control and Financial Decision Making." Proceeding of International Conference on Business, Economics, Social Sciences, and Humanities 8 (June 20, 2025): 280–88. https://doi.org/10.34010/icobest.v8i.700.

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E-Accounting is system accountancy based on technology information that improves internal control and quality taking decision finance. This research analyzes the influence of implementation e-accounting in organizations using descriptive quantitative. Data collected through questionnaire to employee part finance in some company. Research results show that E- Accounting improves internal control through accurate data management, security information, and monitoring effective transactions. In addition that, this system support taking decision more finances fast and precise based on real-time dat

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Rodina, Larisa A., and Lilia V. Zavyalova. "Personal finance management in modern conditions." Herald of Omsk University. Series: Economics 18, no. 4 (2020): 36–47. http://dx.doi.org/10.24147/1812-3988.2020.18(4).36-47.

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The article is devoted to the practical aspects of personal finance management in the context of the transition to digital transformation of the economy. The need to pay attention to this aspect is due to both new opportunities for managing personal finances based on digitalization tools, and the risks of unauthorized access to them using cybernetic means. Summarizing the main sources of threats to personal finance in the context of digitalization is aimed at preventing fraudulent activities and ensuring the protection of financial information carriers. First of all, in a preventive manner, it

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Andrii Zolkover. "Fiscal Policies in the Era of Digital Technology Development: European Experience." Journal of Information Systems Engineering and Management 10, no. 9s (2025): 24–34. https://doi.org/10.52783/jisem.v10i9s.1133.

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Introduction: The increasing demand for efficient finance management and tax system improvement urges a detailed study of foreign practices and their effect on the Ukrainian economy. For instance, developing countries can learn from developed nations' experiences in developing effective strategies for financial stabilisation. It can also aid in the advancement of the Ukrainian economy. The study of fiscal practices and their outcomes in the EU and Ukraine can help to learn the experience and choose the optimum ways of reforming the country's fiscal policy. We are speaking of the changes in Ukr

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Putra, Komang Widhya Sedana, and Ni Wayan Lasmi. "Boosting MSMEs: how digital financial innovation and financial literacy fuel access to finances." IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita 14, no. 1 (2025): 72–93. https://doi.org/10.46367/iqtishaduna.v14i1.2320.

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Purpose – This study explores how digital financial innovation and literacy collectively promote access to finance and MSMEs growth in Bali, Indonesia. Intends to ascertain how these two factors combine to enhance access to finance and, subsequently, MSME growth. Method – Data collection was carried out through questionnaires using a quantitative approach. The study targeted the owners of MSMEs in Bali, using purposive sampling to select 200 respondents who have actively utilized digital financial services. The data were analyzed using structural equation modeling (SEM) to quantify the associa

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Aslamiyah, Suaibatul, and Wasti Reviandani. "Pendampingan Literasi Keuangan Era Digital Pada Generasi Millenial." Jurnal Pengabdian Manajemen 3, no. 2 (2024): 82. http://dx.doi.org/10.30587/jpm.v3i2.7641.

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Technology that continues to develop nowadays makes it easier for the millennial generation to access various digital-based financial products and services. Financial technology (Fintech) has become an inseparable thing nowadays, but this convenience is often misused by irresponsible parties. So, financial literacy is very important for society, especially for the millennial generation. Especially the millennial generation is a social community that is literate and adaptable to technology. They tend to like using technology to make all activities easier, including shopping activities. The meth

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Zakharkin, O., L. Zakharkina, O. Kwilinski, and R. Chukhno. "INFORMATION INTERNET RESOURCES IN THE SYSTEM OF PROVISION OF TRANSPARENCY OF PUBLIC AND LOCAL FINANCES." Vìsnik Sumsʹkogo deržavnogo unìversitetu 2022, no. 3 (2022): 106–13. http://dx.doi.org/10.21272/1817-9215.2022.3-12.

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The use of Internet information resources has become an integral part of the effective implementation of the principles of publicity and transparency of financial relations at the level of public, local, corporate and personal finance. The need for transparency of financial relations and the main goals of its implementation are enshrined in the Strategy for Digital Development, Digital Transformations, and Digitization of Public Financial Management until 2025 and approval of the action plan for its implementation, which was approved by the Cabinet of Ministers on November 17, 2021. This deter

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Juriah, Siti, and Rudeva Juniawaty. "Digital Financial Management Training for MSME in Cikarang." KANGMAS: Karya Ilmiah Pengabdian Masyarakat 3, no. 3 (2022): 165–74. http://dx.doi.org/10.37010/kangmas.v3i3.862.

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As an entrepreneur, MSME actors certainly need sales records that describing overall their business that they manage well and efficiently. Many businesses are having difficulties to grow up because of the problem of untidy records or even not being recorded at all. Digital financial management is one of the trainings for beginner digipreneurs in order to prepare tough entrepreneurs to increase their business income, manage finances and access funds by utilizing technology. Participants of the Digital Entrepreneurship Academy Training – Beginner Class will learn about managing business finances

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TEDEEV, A. A. "STATE AUDIT, DIGITALIZATION OF THE STATE AND ARTIFICIAL INTELLIGENCE (MODEL OF THE SOCIALIST REPUBLIC OF VIETNAM)." MOSCOW UNIVERSITY BULLETIN ON STATE AUDIT, no. 2, 2024 (2024): 98–104. https://doi.org/10.55959/msu2413-631x-27-15-2-08.

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The article examines the features of the organization and principles of the activities of the supreme audit financial authority of the Socialist Republic of Vietnam — the State Audit Office of Vietnam (SAV) in the digital era of artificial intelligence systems. The features of the implementation of the functions of state control in the field of management and use of public finances and public (public) assets, as well as activities related to their management and use, are considered. The hotel highlights the specifics of the terminology used in Vietnam in the field of public finance and assets.

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Ashshiddiqi, Muhammad Taufan, and Taufiq Rahmat. "Optimizing the Financial Management Behavior of Msme Actors Through Digital Financial Knowledge in the Digital Era." International Journal of Nusantara Islam 10, no. 1 (2022): 34–48. https://doi.org/10.15575/ijni.v10i1.21502.

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Micro, Small, and Medium Enterprises (MSMEs) are not foreign because when the economic crisis hit the Indonesian nation, MSMEs were able to survive the turmoil of the crisis. It has been proven that the MSME sector can stand up and survive in the face of an economic crisis. However, not all MSMEs can manage finances, even though this habit of managing finances is critical. This research aims to determine, analyze and provide recommendations regarding Digital Financial Knowledge and Financial Management Behavior in MSMEs in Bandung City. The research method uses an explanatory method with a qua

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Febrianawati, Yenny Aman Serah, and Andrey Indra Maulana Uray. "Financial Cerdas, Bebas Risiko: Workshop Literasi Keuangan dan Hukum Digital untuk Ibu-Ibu PKK Kecamatan Sui Raya Kabupaten Kubu Raya." Jurnal Pengabdian Kepada Masyarakat 5, no. 2 (2025): 185–93. https://doi.org/10.37567/pkm.v5i2.3811.

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A low understanding of digital financial management, the risks of online fraud, and the legal aspects of digital transactions prompted the Community Service Program themed “Smart Finance, Risk-Free: Workshop on Financial and Digital Legal Literacy for PKK Mothers in Sui Raya District, Kubu Raya Regency.” The main objective of this activity is to enhance the understanding and skills of PKK mothers in managing finances digitally in a safe and efficient manner, to raise awareness about the dangers of online fraud and prevention methods, and to provide knowledge about personal data protection and

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