Peran Literasi Digital dan Finansial serta Dukungan Institusi terhadap Minat Wirausaha Mahasiswa
DOI:
https://doi.org/10.61132/jukerdi.v2i6.1142Keywords:
Digital Literacy, Entrepreneurial Interest, Financial Literacy, Institutional Support, Islamic Business ManagementAbstract
The rapid development of digital technology and the increasing demand for entrepreneurial competence in higher education require students to possess adequate digital literacy and financial literacy, as well as obtain continuous institutional support to shape and strengthen their entrepreneurial interest. This study aims to empirically analyze the influence of digital literacy, financial literacy, and institutional support on the entrepreneurial interest of students in the Islamic Business Management Study Program at the Faculty of Economics and Islamic Business, UIN Raden Mas Said Surakarta. A quantitative approach was used, involving 75 respondents selected through accidental sampling, while the research data were analyzed using multiple linear regression. The results of the study indicate that all three independent variables have a positive and significant effect on students' entrepreneurial interest, with the model contributing 42.7%. These findings highlight the importance of integrating digital competencies, effective financial management, and a supportive campus ecosystem to foster students' entrepreneurial intentions. This study provides practical implications for higher education institutions to strengthen curricula, learning facilities, and mentoring programs aimed at developing young, digitally-driven, and sustainable entrepreneurs.
Downloads
References
Aldi, B. E., Herdjiono, I., & Maulany, G. (2019, August). The influence of financial literacy on entrepreneurial intention. In 3rd International Conference on Accounting, Management and Economics 2018 (ICAME 2018) (pp. 700–703). Atlantis Press. https://doi.org/10.2991/icame-18.2019.74
Alshebami, A. S., & Al Marri, S. H. (2022). The impact of financial literacy on entrepreneurial intention: The mediating role of saving behavior. Frontiers in Psychology, 13, 911605. https://doi.org/10.3389/fpsyg.2022.911605
Amalia, N., & Hamdani, M. L. (2022). Analisis pengaruh sikap finansial, pengalaman finansial, dan kepribadian terhadap perilaku manajemen keuangan dimediasi oleh literasi finansial. Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan, 4(Spesial Issue 5), 2224–2233. https://doi.org/10.32670/fairvalue.v4i12.1894
Arikunto, S. (2010). Prosedur penelitian: Suatu pendekatan praktek. Penerbit Rineka Cipta.
Aryaningtyas, A. T., & Palupiningtyas, D. (2017). Pengaruh pendidikan kewirausahaan dan dukungan akademik terhadap niat kewirausahaan mahasiswa (Studi pada mahasiswa STIEPARI Semarang). Jurnal Ilmiah Manajemen dan Bisnis, 18(2), 140–152. https://doi.org/10.30596/jimb.v18i2.1398
Bastomi, M., Hermawan, A., & Handayati, P. (2023). The effect of digital literacy, e-commerce business trend, mobile payment, income expectations on intention in digital-based entrepreneurship. International Journal of Applied Finance and Business Studies, 11(3), 688–698.
Diptyana, P., Rokhmania, N. A., & Herlina, E. (2022). Financial literacy, digital literacy, and financing preferences role to micro and small enterprises’ performance. International Journal of Entrepreneurship and Business Development, 5(2), 346–347. https://doi.org/10.29138/ijebd.v5i2.1785
Galvão, A., Marques, C., & Ferreira, J. J. (2020). The role of entrepreneurship education and training programmes in advancing entrepreneurial skills and new ventures. European Journal of Training and Development, 44(6/7), 595–614. https://doi.org/10.1108/EJTD-10-2019-0174
Ganefri, G., Kamdi, W., Makky, M., Hidayat, H., & Rahmawati, Y. (2024). Entrepreneurship education and entrepreneurial intention among university students: The roles of entrepreneurial mindset, digital literacy, and self-efficacy. Journal of Social Studies Education Research, 15(4), 85–134.
Ghoni, A., Suripto, T., & Salam, A. (2016). Konasi Komunitas Pesantren Yogyakarta dalam Penggunaan Arabic Terms dan Indonesian Terms pada Skim Produk Bank Syariah. Al-Falah: Journal of Islamic Economics, 1(2), 147–162. https://doi.org/10.21927/jesi.2012.2(2).155-166
Hamdani, L. (2022). The effect of past experience, empathy, efficacy, and social support on social entrepreneurial intentions. RADIANT: Journal of Applied, Social, and Education Studies, 3(2), 118–128. https://doi.org/10.52187/rdt.v3i2.112
Hamdani, M. L. (2024). Social enterprise: Bisnis sebagai solusi masalah sosial dan lingkungan hidup. Penerbit Indonesia Imaji.
Hamdani, M. L., & Amalia, N. (2022). The effect of business digitalization, technology utilization, and financial literacy on the sustainability of MSMEs in Surakarta. Review of Management, Accounting, and Business Studies, 3(2), 160–167.
Hamdani, M. L., & Amalia, N. (2024). Digital entrepreneur: Strategi sukses membangun bisnis di era digital. Penerbit Indonesia Imaji.
Khairunisa, N. A., & Sabaria, S. (2023). Pengaruh literasi digital terhadap minat berwirausaha digital mahasiswa Fakultas Ekonomi Bisnis dan Humaniora, Universitas Pendidikan Muhammadiyah Sorong. ASSET: Jurnal Manajemen dan Bisnis, 6(2). https://doi.org/10.24269/asset.v6i2.7807
Lu, G., Song, Y., & Pan, B. (2021). How university entrepreneurship support affects college students’ entrepreneurial intentions: An empirical analysis from China. Sustainability, 13(6), 3224. https://doi.org/10.3390/su13063224
Misnawati, M., & Yusriadi, Y. (2018). Efektifitas pengelolaan kewirausahaan berbasis kognitif personal melalui penggunaan infrastruktur digital (Media Sosial). Jurnal Mitra Manajemen, 2(3), 138–145. https://doi.org/10.52160/ejmm.v2i3.83
Mustain, M., Murwani, F. D., & Mukhlis, I. M. (2023). The effect of digital literacy on entrepreneurial intention through entrepreneurial attitude. Formosa Journal of Applied Sciences, 2(12), 3361–3370. https://doi.org/10.55927/fjas.v2i12.7066
Naudé, W. (2011). Entrepreneurship is not a binding constraint on growth and development in the poorest countries. World Development, 39(1), 33–44. https://doi.org/10.1016/j.worlddev.2010.05.005
Putri, P. L., & Widadi, B. (2024). Peran inovasi dalam pengembangan model bisnis UMKM di era digital. Maeswara: Jurnal Riset Ilmu Manajemen dan Kewirausahaan, 2(4), 180–189. https://doi.org/10.61132/maeswara.v2i4.1113
Safira, Y. F. D., Izzuddin, A., & Rusdiyanto, R. (2025). Pengaruh penguasaan literasi digital, kompetensi wirausaha, dan pendidikan kewirausahaan terhadap minat berwirausaha pada mahasiswa Universitas Muhammadiyah Jember. Jurnal Ilmiah Manajemen dan Kewirausahaan, 4(3), 689–703. https://doi.org/10.55606/jimak.v4i3.4939
Saputri, D. M. A., & Qotrunnada, N. (2025). Pengaruh literasi keuangan, literasi digital, dan self-efficacy terhadap minat berwirausaha Gen-Z di Kabupaten Tegal. Balance: Jurnal Akuntansi dan Manajemen, 4(2), 1043–1053.
Suryani, S., & Chaniago, H. (2023). Digital literacy and its impact on entrepreneurial intentions: Studies on vocational students. International Journal Administration, Business & Organization, 4(2), 16–22. https://doi.org/10.61242/ijabo.23.261
Thompson, J., & Harris, O. (2025). A narrative review of educational technology in higher education. Social Science Chronicle, 5, 1–27. https://doi.org/10.56106/ssc.2025.002
Warganegara, T. L. P., & Oktaria, E. T. (2023). The role of university environmental support and relations in student entrepreneurial intentions. Journal of Management, Business and Social Sciences, 1(3).
Williams, A., Smith, B., & Johnson, C. (2023). Lecturer motivation versus curriculum design: What matters most in entrepreneurship education in emerging economies? International Journal of Entrepreneurial Behavior & Research, 29(4), 892–915.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Jurnal Kewirausahaan Cerdas dan Digital
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
