This paper investigates the impact of digital financial literacy on the use of financial technology (Fintech) among people living in rural areas of Vietnam. The study employs various theoretical frameworks, including the Theory of Planned Behavior (TPB) and the Technology Acceptance Model (TAM), to clarify factors influencing the intention and behavior of Fintech adoption. These factors include performance expectancy, perceived risk, subjective norms, behavioral control, convenience, security, personal motivation, financial attitude, and financial behavior. Based on the research findings, the authors propose several recommendations to improve digital financial literacy among rural populations in Vietnam, recognizing it as a key factor in expanding access to and usage of modern financial services in these areas.

The economy of Bali heavily relies on the tourism sector, leading to economic vulnerability. There are numerous challenges in Bali's economy, with COVID-19 being one of the most prominent examples. During the COVID-19 pandemic, Bali's economy experienced the deepest contraction and slowest recovery compared to other provinces in Indonesia. Amid this economic vulnerability, it is important to conduct research on the financial resilience of SMEs in Bali. This research aims to analyze the influence of financial literacy on financial resilience, as well as the mediating role of financial performance and fintech adoption on the impact of financial literacy on financial resilience among SMEs in Bali. The research method used is a quantitative approach with a sample of 177 SMEs in Bali, selected through non-probability sampling techniques. Data were analyzed using descriptive and inferential statistics, with SEM-PLS in SmartPLS 3.0 program. The test results indicate that financial literacy has a positive and significant influence on financial resilience, financial performance, and fintech adoption. Financial performance and fintech adoption also have a positive and significant impact on financial resilience. Furthermore, financial performance and fintech adoption can partially mediate the influence of financial literacy on financial resilience in SMEs in Bali. The findings of this research are beneficial for the development of Knowledge-Based View theory and Technology Acceptance Model, as well as for SMEs in Bali and the government as policy makers in efforts to enhance financial resilience.

The research objective was to analyze the effect of financial literacy and digital literacy on financial inclusion, financial decisions, and financial resilience of MSME's. The design of this research is explanatory quantitative research. The research is a cross-sectional study in which all research variables are measured and observed at one point in time. The sampling technique used is area purposive sampling. The reachable population in this study was 98,567 MSMEs in the Province of Bali, and the research sample was 385. The research instrument used was a questionnaire with a Likert scale. The analysis technique used is a descriptive and inferential analysis using SEM-PLS. The findings of this research reveal 1) a direct positive and significant effect of financial literacy and digital literacy on financial inclusion, financial decisions, and financial resilience of MSMEs; 2) a positive and significant effect of financial literacy and digital literacy on financial resilience of MSMEs through financial inclusion and financial decisions parallelly; and 3) a positive effect of financial literacy and digital literacy on financial resilience of MSMEs through financial inclusion and financial decisions serially, but the effect of digital literacy on financial resilience through financial inclusion and financial decisions serially is insignificant. The findings of this research show the crucial role of financial literacy and digital literacy in increasing financial resilience. Financial inclusion and financial decisions mediate the effect of financial literacy and digital literacy on financial resilience.

Investor behavior is an intriguing affair and has been investigated by many social scientists and scholars. The disciple is still fecund and has scope for further empirical examination. The study aimed to examine the relationship that Orientation toward finance (ORTOFIN) and perceived financial literacy have with Intention toward investment. The study engaged in quantitative research design. Data was collected randomly online from 210 gainfully employed samples in Saudi Arabia. Structural Equation Modelling was used to analyze the data. Results indicated a significant positive relationship between ORTOFIN, perceived financial literacy, and Intention toward investment. The study discusses the findings and presents the limitations. The scope for further research is also presented. It is expected that the present study will act as a trigger for further research in this fascinating area.

The aim of this research is to analyze the relationship between financial literacy and financial performance, the relationship between financial literacy and the sustainability of SMEs, the relationship between supply chain management and financial performance, the relationship between supply chain management and the sustainability of SMEs, and financial performance with the sustainability of SMEs. This research method is a quantitative survey, the research data was obtained by distributing online questionnaires to 740 SMEs owners in Indonesia. Data analysis used structural equation modeling (SEM) with SmartPLS 3.0 software tools. The stages of data analysis are validity, reliability and significance tests. The sampling technique used is non-probability sampling. The questionnaire used in this study uses the Google form, distributed to respondents. The measurement method for this questionnaire uses a Likert scale of 5, namely Strongly Disagree (STS), (2) Answers Disagree (TS), (3) Neutral Answers (N), (4) Answers Agree (S), Strongly Agree (SS). The independent variables used in this study are as follows: Financial literacy, supply chain management, the dependent variables used in this study are sustainability and financial performance. The results of this research indicate that financial literacy had a positive and significant effect on financial performance, financial literacy had a positive and significant effect on sustainability, supply chain management had a positive and significant effect on financial performance, supply chain management had a positive and significant effect on sustainability, financial performance had a positive and significant effect on sustainability. The novelty of this research is that it found a correlation model of the relationship between the variables of financial literacy, supply chain management, financial performance and sustainability in SMEs which did not exist in previous research studies.

The purpose of this study was to analyze the effect of financial literacy on operational performance, financial inclusion on operational performance and the effect of financial literacy on sustainable supply chains and the impact of financial inclusion on sustainable supply chains in SMEs in Indonesia. The research method is quantitative through online surveys with the Google form, data collection by distributing online questionnaires to 590 SMEs owners in Indonesia who were selected by simple random sampling. The online questionnaire was designed using a Likert scale of 5 and distributed via social media. Data analysis used structural equation modeling of partial least squares (SEM-PLS) with data processing tools using SmartPLS 3.0 software. The stages of data analysis are validity-reliability test and hypothesis, or significance test used in this study using a Google form which will be distributed to respondents. This questionnaire measurement method uses a Likert Scale of 5, namely Strongly Disagree (STS), (2) Answers Disagree (TS), (3) Neutral Answers (N), (4) Answers Agree (S), Strongly Agree (SS). The results of this study indicate that financial literacy had a positive and significant effect on operational performance, financial inclusion had a positive and significant effect on operational performance, financial literacy had a positive and significant effect on sustainable supply chains and financial inclusion had a positive and significant effect on sustainable supply chains in SMEs in Indonesia. The novelty of this research is the model relationship between Financial Literacy and Financial Inclusion, Operational Performance, SME Sustainable Supply Chain which has never been explained in previous studies.

This study aims to analyze the role of women and the strategic dimensions in accelerating poverty reduction. In the midst of the pandemic situation Covid-19 caused many medium and large businesses that experienced a downturn. Micro businesses began to grow amid the economic difficulties faced by the community to be able to survive. The role of women in accelerating the poverty reduction through the management of micro businesses is a top priority for sustainable development. This research is located in Buleleng Regency, Bali Province and uses quantitative methods. Primary data sources were obtained using questionnaires sent to respondents. The data analysis method uses multiple linear regression. The population consists of micro-enterprises managed by women in 2019 of 246 businesses. The selecting samples method is based on convenience sampling and the entire population was sampled in this study. The results in this study indicate that financial literacy and women empowerment had positive and significant effects on women performance in micro-businesses. Interest in using e-commerce had no effect on women’s performance in micro businesses. Without the use of e-commerce, it is believed that women in micro-businesses will be increasingly left behind by other business actors, and age matters in association with technology and competition between other business actors which will be tighter to have an impact on performance and sustainability of the business.

This paper examines the influence of Financial Literacy on savings behavior that is improved by storing intentions and attitudes towards savings. Also, the study investigates the effect of subjective norms on saving behavior that is mediated by attitudes toward austerity. Research subjects were primary data from 469 young workers who worked in the DKI Jakarta area in 2018. Data were collected online by distributing questionnaires using Google Docs and they were analyzed using SEM-PLS. The research findings prove that financial literacy affects saving behavior, both directly and indirectly through the variables of saving intention and attitude to saving mediation. Other findings prove that subjective norms do not directly affect thrifty behavior, but had indirect effects through attitudes toward thrifty variables. This study offers alternative models of researchers associated with frugal behavior with theories of planned behavior theory with predictors of financial literacy and subjective norms to improve frugal behavior proving that saving intentions and attitudes towards saving can mediate financial literacy. Furthermore, a mediator's attitude towards savings can improve the subjective norm relationship with saving behavior. Thus, the planned behavior theory can explain the relationship between financial literacy and subjective norms by storing behavior. This is an initial empirical study that attempts to examine the relationship between financial literacy and subjective norms and their impact on savings behavior that is mediated by saving intention and attitude towards saving.

This study aims to determine the effect of financial education, financial literacy, and financial behaviour from teacher’s perspective. Primary data were obtained using questionnaire to measure all variables by surveying 96 teachers of senior high school and vocational school in Greater Jakarta, Indonesia. Due to the different scales in measuring the variables, data were analysed using Structural Equation Model-Partial Least Square. The findings conclude that there was a positive relationship between financial literacy and financial behaviour, but financial education had an insignificant effect on financial behaviour and financial literacy.

Most SME owners have understood the importance of several strategies to run their business more professionally. Financial literacy, technological literacy and supply chain practice are some of the important strategies to maintain the sustainability of SMEs. The research was conducted in Indonesia, in the East Java region whereas a developing country, SMEs are the backbone of the economy because most of the people are involved in this sector. The research sample was taken from data recorded at the Export Center office, and as many as 485 SME owners were involved in this study. Quantitative analysis using SEM-PLS analysis found that financial literacy, technological literacy, and supply chain practice contributed positively and significantly to the sustainability of SMEs. If SME owners are aware and understand the importance of financial literacy and are supported by technological literacy and strengthened by supply chain practice, then the opportunity for SMEs to run their business in a sustainable manner is even greater.