Dinasti International Journal of Digital Business Management

Digital Transformation and Growth Opportunities in the Post-Pandemic: A Qualitative Exploration of Small-Scale Entrepreneurs in the Kumasi Central Market

Thomas Mensah Asabere, Stephen Mahama Braimah — Thu, 03 Apr 2025 00:00:00 +0000

Business survival and growth, particularly in developing countries in response to the covid 19 pandemic has made digital transformation more paramount. This study looks at the challenges and opportunities of digital transformation among small scale entrepreneurs, specifically market traders at Kumasi central market. The primary research method for this study was qualitative where 20 small scale entrepreneurs were interviewed from each of the five vendors categories such as food vendors, textile, electronics vendors, local art and craft vendors, and household goods vendors. The study showed four main challenges these stakeholders could face, which are lack of professional and digital literacy, affordability factors, reluctance to accept changeable cybersecurity issues. Moreover, despite these hurdles, there occur a break even such as improved access to markets, better interaction with customers, improved efficiency of operations and development of new concepts of doing business. The study has both theoretical and practical contributions which provides insights on traditional marketplaces adjust towards being digitally transformed and offer recommendations for policymakers as well as entrepreneurs used for the study.

Exploration of Gen Z's Personal Financial Management Strategies in the Digital Era

Puji Astuti Setianingsih, Samto Hadi Isnanto — Fri, 04 Apr 2025 00:00:00 +0000

This inquire about points to investigate individual monetary administration procedures by Era Z (Gen Z) within the advanced time. The center of the investigate is on the utilize of advanced innovation, moral mindfulness, and individual values in money related decision-making. Gen Z tends to utilize computerized budgetary applications and venture stages. The inquire about employments a graphic subjective approach to distinguish challenges and dangers. Whereas innovation makes it simple, computerized showcasing and information security issues stay vital issues. Moral mindfulness and individual values too play a part in their monetary choices. The research is anticipated to supply experiences for computerized budgetary administrations and arrangements that are more reasonable for Gen Z.

Impact of Capital Structure, Company Size and Company Risk on Company Value PT Food Station Tjipinang Jaya (Perseroda)

Pricilia Romaito Gea, Antoni Ludfi Arifin — Fri, 04 Apr 2025 00:00:00 +0000

Many companies are trying to improve the quality of their activities to maintain their competitiveness in the market and attract the attention of consumers. Company success can only be achieved with effective management. Therefore, it is necessary to choose the right strategic actions to maintain dominance and position in the market. This research analyzes the influence of capital structure, company size and company risk on company costs at PT Food Station Tjipinang Jaya (Perseroda). Quantitative methods have been used with 50 respondents using a Likert scale (1-5) and methods. The research results show that the three financial indicators have different influences on company value. In particular, the results of this study show that all independent variables in this study have a significant effect on company value simultaneously. Capital structure has a small positive influence on company value, while company size has a large positive influence on company value and company risk has a small positive influence on company value. Companies need to pay attention to capital structure, company size and company risk.

The Role of Fintech in Improving Financial Literacy in the Use of E-Wallets of UGJ Management Students in Cirebon City, 2025

Ardelia Utami, Raudah Shakilla, Nurhana Parlina — Sat, 05 Apr 2025 00:00:00 +0000

The rapid development of information and communication technology has brought significant changes in the financial sector, especially through Financial Technology (Fintech). One of the most popular fintech innovations in Indonesia is E-Wallet or digital wallet, such as DANA, GoPay, and ShopeePay. This study aims to analyse the effect of fintech and E-Wallet on students' financial literacy. Using quantitative methods and a comparative causal approach, this study involved 342 UGJ management students in Cirebon City as respondents selected based on the Slovin formula. Data processing was carried out using the SEM-PLS method to test the causal relationship between variables. The results showed that fintech has a significant effect on students' financial literacy, although with a relatively weak effect size (0.074). Meanwhile, the use of E-Wallets has a greater influence on financial literacy with an effect size of 0.240. However, the moderation of E-Wallet in the relationship between fintech and financial literacy does not prove significant. This indicates that E-Wallet directly contributes to improving students' financial literacy, while the role of fintech in general is still less strong. These findings provide important implications for academics, financial practitioners, and educational institutions to improve financial literacy through the use of E-Wallets and digital education. Campuses are advised to hold seminars and workshops related to more effective digital financial management. Future research is recommended to expand the scope of the study area, consider more E-Wallet platforms, and analyse the security and risk aspects of using E-Wallets.