LITERASI BUDAYA DIGITAL DAN ETIKA DIGITAL : DAMPAKNYA TERHADAP INKLUSI KEUANGAN KOPERASI WANITA
DOI:
https://doi.org/10.38156/gesi.v12i1.494Kata Kunci:
literasi_budaya digital, literasi etika digital, inklusi keuangan, koperasi wanitaAbstrak
Penelitian ini bertujuan untuk menilai kondisi literasi budaya digital dan literasi etika digital pada koperasi wanita di Kota Surabaya serta menganalisis implikasinya terhadap inklusi keuangan digital. Metode yang digunakan adalah pendekatan kuantitatif melalui survei kepada anggota koperasi wanita, kemudian dianalisis menggunakan teknik statistik inferensial, dengan software Smart PLS 3.0. Jumlah sampel sebanyak 107 anggota koperasi wanita. Hasil penelitian menunjukkan bahwa tingkat pemahaman anggota terhadap literasi budaya digital, literasi etika digital, dan inklusi keuangan tergolong baik dan menjadi modal penting bagi koperasi dalam mengadopsi layanan keuangan digital. Literasi budaya digital dan literasi etika digital berpengaruh positif signifikan terhadap inklusi keuangan. Namun, literasi etika digital tidak berfungsi sebagai variabel moderasi yang mampu memperkuat maupun memperlemah pengaruh literasi budaya digital terhadap inklusi keuangan. Temuan ini menegaskan perlunya penguatan literasi digital secara langsung dan berkelanjutan untuk mendorong transformasi digital koperasi wanita di Surabaya.
Referensi
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Andaiyani, S., Asngari, I., & Aini, H. B. (2024). Exploring the Influence of Digital Transformation on Financial Inclusion: Insights From Southeast Asian Economies. Journal of Southeast Asian Studies, 29(2), 1–18. https://doi.org/10.22452/jati.vol29no2.1
DL Panglipursari, MM SE, YE Muliatie, T. I. (2024). Utilization of Digital Financial Facilities by Female MSMEs: A Systematic Literature Review. 215–220.
Gilster, P. (1999). Digital_Literacy gilster. Meridian: A Middle School Computer Technologies Journal, 141. https://www.academia.edu/1354072/Digital_Literacy?bulkDownload=thisPaper-topRelated-sameAuthor-citingThis-citedByThis-secondOrderCitations&from=cover_page
Hair, J. F., Hult, G. T. M., Ringle, C. M., Sarstedt, M., Danks, N. P., & Ray, S. (2021). Partial Least Squares Structural Equation Modeling (PLS-SEM) Using R. In Practical Assessment, Research and Evaluation (Vol. 21, Nomor 1).
Javed, A., Ashraf, M. Z., & Shahbaz, S. (2025). Digital Transformation and Its Influence on Women’s Economic Empowerment in Pakistan. Sustainable Futures, 10(March 2024), 101092. https://doi.org/10.1016/j.sftr.2025.101092
Kisti, K. N., Rudianto, A. H., Paluputi, R. D., Ramadhani, A. M. P., Kembaren, A. V., & Nabilah, N. (2025). Menembus Batas Gender Di Era Teknologi Menuju Perempuan Sebagai Pilar Perekonomian Modern. Jurnal Penelitian Nusantara, 1(4), 59–64. https://jurnal.padangtekno.web.id/index.php/menulis
McCarthy, A. M., Maor, D., McConney, A., & Cavanaugh, C. (2023). Digital transformation in education: Critical components for leaders of system change. Social Sciences and Humanities Open, 8(1), 100479. https://doi.org/10.1016/j.ssaho.2023.100479
Oggero, N., Rossi, M. C., & Ughetto, E. (2020). Entrepreneurial spirits in women and men. The role of financial literacy and digital skills. Small Business Economics, 55(2), 313–327. https://doi.org/10.1007/s11187-019-00299-7
Otoritas Jasa Keuangan. (2021). Strategi Nasional Literasi Keuangan Indonesia (SNLKI) 2021 - 2025. Ojk.Go.Id, 1–130. https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/Pages/Strategi-Nasional-Literasi-Keuangan-Indonesia-2021-2025.aspx
Ramdani, E., & Martono, A. (2022). Paradoks Koperasi Mati Segan Hidup Tak Mau. Jurnal Akuntansi Barelang, 7(1), 23–37. https://doi.org/10.33884/jab.v7i1.6153
Ribble, M. (2011). Digital citizenship in schools second edition. An Excerpt from Digital Citizenship in Schools 2nd Edition, 3777(January 2011). https://www.researchgate.net/publication/340468314_Digital_Citizenship_in_Schools_Second_Edition
Setyaningsih, R., Abdullah, A., Prihantoro, E., & Hustinawaty, H. (2019). Model of Strengthening Digital Literacy Through Utilization of E-Learning. Journal of ASPIKOM, 3(6), 1200.
Sugiyono. (2020). Metode penelitian kuantitatif, kualitatif dan R&D. Alfabeta, Bandung.
Tay, L.-Y., Tai, H.-T., & Tan, G.-S. (2022). Digital financial inclusion: A gateway to sustainable development. Heliyon, 8(6). https://doi.org/10.1016/j.heliyon.2022.e09766
Widyastuti, U., Respati, D. K., & Mahfirah, T. F. (2024). Digital financial literacy and digital financial inclusion: A multigroup analysis based on gender. Humanities and Social Sciences Letters, 12(1), 33–42. https://doi.org/10.18488/73.v12i1.3617
Zvereva, E. (2023). Digital ethics in higher education: Modernizing moral values for effective communication in cyberspace. Online Journal of Communication and Media Technologies, 13(2). https://doi.org/10.30935/ojcmt/13033
