Overcoming Financing Constraints Through Digital Financial Inclusion: Strengthening Rural Household Entrepreneurship Through E-Commerce: Mengatasi Kendala Pembiayaan Melalui Keuangan Inklusif Digital: Memperkuat Kewirausahaan Rumah Tangga Pedesaan Melalui  E-Commerce

Angguliyah Rizqi  Amaliyah; Reinardus Dwi Prio  Christianto; Elly  Lestary; Yuvensius Sri  Susilo; Metta  Kusumaningtyas

doi:10.57152/consen.v6i1.2579

Penulis

Angguliyah Rizqi Amaliyah Universitas Islam Raden Rahmat
Reinardus Dwi Prio Christianto Universitas Pamulang
Elly Lestary Universitas Tribhuwana Tunggadewi
Yuvensius Sri Susilo Universitas Atma Jaya Yogyakarta
Metta Kusumaningtyas Universitas BPD

DOI:

https://doi.org/10.57152/consen.v6i1.2579

Kata Kunci:

Digital Inclusive Finance, Entrepreneurship, Financing Constraints, E-Commerce

Abstrak

Household entrepreneurship plays a strategic role in promoting inclusive rural economic development. However, entrepreneurial activities in rural areas continue to face various constraints, particularly limited access to finance, low levels of financial literacy, and financial exclusion. With the rapid development of digital financial inclusion, these barriers have gradually been reduced through the expansion of technology-based financial services. This community service activity aims to strengthen rural household entrepreneurship through mentoring on the utilization of digital financial inclusion and e-commerce. The implementation method consists of two stages: a pre-activity survey to obtain a descriptive overview of the relationship between trust and digital financial inclusion, followed by entrepreneurial mentoring activities. The survey and mentoring results indicate that the use of digital financial inclusion facilitates entrepreneurial decision-making, alleviates financing constraints, and encourages innovative behavior among household entrepreneurs. Furthermore, the integration of digital financial services with e-commerce serves as a catalyst for expanding market access and enhancing the sustainability of rural household businesses. This community service activity provides practical implications for strengthening community entrepreneurial capacity and supports the formulation of empowerment programs based on digital transformation to foster more inclusive and sustainable rural economic growth.

Unduhan

Data unduhan belum tersedia.

Referensi

J. Lerner and U. Malmendier, “With a Little Help from My (Random) Friends: Success and Failure in Post-Business School Entrepreneurship,” Rev. Financ. Stud., vol. 26, no. 10, pp. 2411–2452, Oct. 2013, doi: 10.1093/rfs/hht024.

D. Kong and N. Qin, “China’s Anticorruption Campaign and Entrepreneurship,” J. Law Econ., vol. 64, no. 1, pp. 153–180, Feb. 2021, doi: 10.1086/711313.

J. Wu and L. Wu, “Impacts of digital inclusive finance on household entrepreneurship,” Financ. Res. Lett., vol. 56, p. 104114, Sep. 2023, doi: 10.1016/j.frl.2023.104114.

D. Kong and N. Qin, “Does Environmental Regulation Shape Entrepreneurship?,” Environ. Resour. Econ., vol. 80, no. 1, pp. 169–196, Sep. 2021, doi: 10.1007/s10640-021-00584-8.

D. Kong, N. Qin, and J. Xiang, “Minimum wage and entrepreneurship: Evidence from China,” J. Econ. Behav. Organ., vol. 189, pp. 320–336, Sep. 2021, doi: 10.1016/j.jebo.2021.06.047.

N. Qin and D. Kong, “Access to Credit and Entrepreneurship: Evidence from China,” Econ. Dev. Cult. Change, vol. 71, no. 1, pp. 295–331, Oct. 2022, doi: 10.1086/714440.

N. Qin and D. Kong, “Human Capital and Entrepreneurship,” J. Hum. Cap., vol. 15, no. 4, pp. 513–553, Dec. 2021, doi: 10.1086/716344.

M. Adelino, S. MA, and D. Robinson, “Firm Age, Investment Opportunities, and Job Creation,” J. Finance, vol. 72, no. 3, pp. 999–1038, Jun. 2017, doi: 10.1111/jofi.12495.

J. Haltiwanger, R. S. Jarmin, and J. Miranda, “Who Creates Jobs? Small versus Large versus Young,” Rev. Econ. Stat., vol. 95, no. 2, pp. 347–361, May 2013, doi: 10.1162/REST_a_00288.

T. L. Jensen, S. Leth-Petersen, and R. Nanda, “Financing constraints, home equity and selection into entrepreneurship,” J. Financ. Econ., vol. 145, no. 2, pp. 318–337, Aug. 2022, doi: 10.1016/j.jfineco.2021.10.012.

B. H. Hamilton, “Does Entrepreneurship Pay? An Empirical Analysis of the Returns to Self?Employment,” J. Polit. Econ., vol. 108, no. 3, pp. 604–631, Jun. 2000, doi: 10.1086/262131.

R. Levine and Y. Rubinstein, “Smart and Illicit: Who Becomes an Entrepreneur and Do They Earn More?*,” Q. J. Econ., vol. 132, no. 2, pp. 963–1018, May 2017, doi: 10.1093/qje/qjw044.

A. Bellon, J. A. Cookson, E. P. Gilje, and R. Z. Heimer, “Personal Wealth, Self-Employment, and Business Ownership,” Rev. Financ. Stud., vol. 34, no. 8, pp. 3935–3975, Jul. 2021, doi: 10.1093/rfs/hhab044.

S. Andersen and K. M. Nielsen, “Ability or Finances as Constraints on Entrepreneurship? Evidence from Survival Rates in a Natural Experiment,” Rev. Financ. Stud., vol. 25, no. 12, pp. 3684–3710, Dec. 2012, doi: 10.1093/rfs/hhs107.

R. G. King and R. Levine, “Finance, entrepreneurship and growth,” J. Monet. Econ., vol. 32, no. 3, pp. 513–542, Dec. 1993, doi: 10.1016/0304-3932(93)90028-E.

A. L. Paulson and R. Townsend, “Entrepreneurship and financial constraints in Thailand,” J. Corp. Financ., vol. 10, no. 2, pp. 229–262, Mar. 2004, doi: 10.1016/S0929-1199(03)00056-7.

T. Beck and A. Demirguc-Kunt, “Small and medium-size enterprises: Access to finance as a growth constraint,” J. Bank. Financ., vol. 30, no. 11, pp. 2931–2943, Nov. 2006, doi: 10.1016/j.jbankfin.2006.05.009.

S. Aiyar, C. W. Calomiris, and T. Wieladek, “Bank Capital Regulation: Theory, Empirics, and Policy,” IMF Econ. Rev., vol. 63, no. 4, pp. 955–983, Nov. 2015, doi: 10.1057/imfer.2015.18.

M. Ahmad, A. Majeed, M. A. Khan, M. Sohaib, and K. Shehzad, “Digital financial inclusion and economic growth: provincial data analysis of China,” China Econ. J., vol. 14, no. 3, pp. 291–310, Sep. 2021, doi: 10.1080/17538963.2021.1882064.

Y. Liu, L. Luan, W. Wu, Z. Zhang, and Y. Hsu, “Can digital financial inclusion promote China’s economic growth?,” Int. Rev. Financ. Anal., vol. 78, p. 101889, Nov. 2021, doi: 10.1016/j.irfa.2021.101889.

P. K. Ozili, “Impact of digital finance on financial inclusion and stability,” Borsa Istanbul Rev., vol. 18, no. 4, pp. 329–340, Dec. 2018, doi: 10.1016/j.bir.2017.12.003.

G. Corrado and L. Corrado, “Inclusive finance for inclusive growth and development,” Curr. Opin. Environ. Sustain., vol. 24, pp. 19–23, Feb. 2017, doi: 10.1016/j.cosust.2017.01.013.

G. Aisaiti, L. Liu, J. Xie, and J. Yang, “An empirical analysis of rural farmers’ financing intention of inclusive finance in China,” Ind. Manag. Data Syst., vol. 119, no. 7, pp. 1535–1563, Aug. 2019, doi: 10.1108/IMDS-08-2018-0374.

Y. Luo and L. Zeng, “Digital financial capabilities and household entrepreneurship,” Econ. Polit. Stud., vol. 8, no. 2, pp. 165–202, Apr. 2020, doi: 10.1080/20954816.2020.1736373.

T. Liu, G. He, and C. G. Turvey, “Inclusive Finance, Farm Households Entrepreneurship, and Inclusive Rural Transformation in Rural Poverty-stricken Areas in China,” Emerg. Mark. Financ. Trade, vol. 57, no. 7, pp. 1929–1958, May 2021, doi: 10.1080/1540496X.2019.1694506.

Y. Luo, Y. Peng, and L. Zeng, “Digital financial capability and entrepreneurial performance,” Int. Rev. Econ. Financ., vol. 76, pp. 55–74, Nov. 2021, doi: 10.1016/j.iref.2021.05.010.

L. Liu, J. Z. Zhang, W. He, and W. Li, “Mitigating information asymmetry in inventory pledge financing through the Internet of things and blockchain,” J. Enterp. Inf. Manag., vol. 34, no. 5, pp. 1429–1451, Nov. 2021, doi: 10.1108/JEIM-12-2020-0510.

F. Wei, B. Xie, and M. Chen, “Digital financial inclusion, e-commerce development and entrepreneurial activity,” Int. Rev. Financ. Anal., vol. 97, p. 103806, Jan. 2025, doi: 10.1016/j.irfa.2024.103806.

L. Xu and J. Ji, “Fostering newcomers’ work well-being through mentoring: The mediating role of career calling and the nonlinear moderating effect of team relationship conflict,” Acta Psychol. (Amst)., vol. 262, p. 106159, Feb. 2026, doi: 10.1016/j.actpsy.2025.106159.

Å. D. Haugsevje and M. T. Heian, “Sustainable creative careers through mentoring: Understanding social resilience in the art field,” Poetics, vol. 107, p. 101930, Dec. 2024, doi: 10.1016/j.poetic.2024.101930.

S. Son, “Facilitating employee socialization through mentoring relationships,” Career Dev. Int., vol. 21, no. 6, pp. 554–570, Oct. 2016, doi: 10.1108/CDI-02-2016-0014.

A. R. Amaliyah and R. Rezti, “MANAJEMEN KEUANGAN USAHA MIKRO, KECIL DAN MENENGAH?: PEMBANGUNAN PEDESAAN MELALUI PERAN BADAN USAHA MILIK DESA,” Bakti Banua J. Pengabdi. Kpd. Masy., vol. 6, no. 2, pp. 67–74, Nov. 2025, doi: 10.35130/a4qeb235.

S. Taylor and S. Luckman, “Mentoring as affective practice,” Int. J. Cult. Policy, vol. 31, no. 2, pp. 253–266, Feb. 2025, doi: 10.1080/10286632.2024.2320427.

C. M. Underhill, “The effectiveness of mentoring programs in corporate settings: A meta-analytical review of the literature,” J. Vocat. Behav., vol. 68, no. 2, pp. 292–307, Apr. 2006, doi: 10.1016/j.jvb.2005.05.003.

R. R. Hake, “Interactive-engagement versus traditional methods: A six-thousand-student survey of mechanics test data for introductory physics courses,” Am. J. Phys., vol. 66, no. 1, pp. 64–74, Jan. 1998, doi: 10.1119/1.18809.

L. Bao, “Theoretical comparisons of average normalized gain calculations,” Am. J. Phys., vol. 74, no. 10, pp. 917–922, Oct. 2006, doi: 10.1119/1.2213632.

J. E. Stiglitz and A. Weiss, “Credit Rationing in Markets with Imperfect Information,” Am. Econ. Rev., vol. 71, no. 3, pp. 393–410, 1981. Available: https://www.jstor.org/stable/1802787.

A. Demirguc-Kunt, L. Klapper, D. Singer, S. Ansar, and J. Hess, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution. Washington, DC: World Bank, 2018. doi: 10.1596/978-1-4648-1259-0.

K. Mishra, R. A. Gallenstein, M. J. Miranda, A. G. Sam, P. Toledo, and F. Mulangu, “Insured Loans and Credit Access: Evidence from a Randomized Field Experiment in Northern Ghana,” Am. J. Agric. Econ., vol. 103, no. 3, pp. 923–943, May 2021, doi: 10.1111/ajae.12136.

P. Yue, A. G. Korkmaz, Z. Yin, and H. Zhou, “The rise of digital finance: Financial inclusion or debt trap?,” Financ. Res. Lett., vol. 47, p. 102604, Jun. 2022, doi: 10.1016/j.frl.2021.102604.

N. Wang, J. Wan, Z. Ma, Y. Zhou, and J. Chen, “How digital platform capabilities improve sustainable innovation performance of firms: The mediating role of open innovation,” J. Bus. Res., vol. 167, p. 114080, Nov. 2023, doi: 10.1016/j.jbusres.2023.114080.

D. Xu, D. Guo, P. Yue, and M. Li, “Household green consumption: Does digital inclusion matter?,” Int. Rev. Financ. Anal., vol. 91, p. 102977, Jan. 2024, doi: 10.1016/j.irfa.2023.102977.

L. Chauvet and L. Jacolin, “Financial Inclusion, Bank Concentration, and Firm Performance,” World Dev., vol. 97, pp. 1–13, Sep. 2017, doi: 10.1016/j.worlddev.2017.03.018.

F. Lu, X. Xia, and Y. Wu, “Does digital inclusive finance influence the entry and exit of agro-processing enterprises? Evidence from China,” Econ. Anal. Policy, vol. 89, pp. 165–177, Jan. 2026, doi: 10.1016/j.eap.2025.11.034.

G. Graetz and G. Michaels, “Robots at Work,” Rev. Econ. Stat., vol. 100, no. 5, pp. 753–768, Dec. 2018, doi: 10.1162/rest_a_00754.

H. Xu, X. Han, Y. Shen, and M. Zhou, “Is internal control more efficient in employee-friendly firms?,” Int. Rev. Financ. Anal., vol. 97, p. 103875, Jan. 2025, doi: 10.1016/j.irfa.2024.103875.

M. Bai, Y. Li, and C.-F. (Jeffrey) Yu, “Business environment trustworthiness and employee income share,” Int. Rev. Financ. Anal., vol. 103, p. 104201, Jul. 2025, doi: 10.1016/j.irfa.2025.104201.

Q. Zhai and L. Xu, “Employee welfare and earnings management,” Int. Rev. Financ. Anal., vol. 102, p. 104076, Jun. 2025, doi: 10.1016/j.irfa.2025.104076.

X. Wang and Y. Fu, “Digital financial inclusion and vulnerability to poverty: evidence from Chinese rural households,” China Agric. Econ. Rev., vol. 14, no. 1, pp. 64–83, Jan. 2022, doi: 10.1108/CAER-08-2020-0189.

B. Li and Y. Pan, “Digital inclusive finance and rural entrepreneurial survival: The moderating role of digital and financial literacy,” Econ. Anal. Policy, vol. 86, pp. 1119–1136, Jun. 2025, doi: 10.1016/j.eap.2025.04.025.

T. Beck, H. Pamuk, R. Ramrattan, and B. R. Uras, “Payment instruments, finance and development,” J. Dev. Econ., vol. 133, pp. 162–186, Jul. 2018, doi: 10.1016/j.jdeveco.2018.01.005.

J. Li and B. Li, “Digital inclusive finance and urban innovation: Evidence from China,” Rev. Dev. Econ., vol. 26, no. 2, pp. 1010–1034, May 2022, doi: 10.1111/rode.12846.

K. Li, H. Mengmeng, and J. Huo, “Digital inclusive finance and asset allocation of Chinese residents: Evidence from the China Household Finance Survey,” PLoS One, vol. 17, no. 5, p. e0267055, May 2022, doi: 10.1371/journal.pone.0267055.

Y. Li, F.-J. Nie, and Z.-B. Yan, “Age and Geochemistry of Late Jurassic Mafic Volcanic Rocks in the Northwestern Erguna Block, Northeast China,” Minerals, vol. 11, no. 9, p. 1010, Sep. 2021, doi: 10.3390/min11091010.

D. Roodman and J. Morduch, “The Impact of Microcredit on the Poor in Bangladesh: Revisiting the Evidence,” J. Dev. Stud., vol. 50, no. 4, pp. 583–604, Apr. 2014, doi: 10.1080/00220388.2013.858122.

I. Uzuegbunam, B. Ofem, and S. Nambisan, “Do Corporate Investors Affect Entrepreneurs’ IP Portfolio? Entrepreneurial Finance and Intellectual Property in New Firms,” Entrep. Theory Pract., vol. 43, no. 4, pp. 673–696, Jul. 2019, doi: 10.1177/1042258717738247.

J. Wu, S. Si, and X. Wu, “Entrepreneurial Finance and Innovation: Informal Debt as an Empirical Case,” Strateg. Entrep. J., vol. 10, no. 3, pp. 257–273, Sep. 2016, doi: 10.1002/sej.1214.

M. Iltizam Fairuzi, W. EkoPujianto, A. Lucy Larassaty, and A. Sholikhah, “Building Resilient Entrepreneurship: How Financial Literacy and Digital Inclusion Drive Performance in SMEs?,” J. Manaj. dan Organ., vol. 16, no. 2, pp. 177–197, May 2025, doi: 10.29244/jmo.v16i2.63697.

A. M. Robb and D. T. Robinson, “The Capital Structure Decisions of New Firms,” Rev. Financ. Stud., vol. 27, no. 1, pp. 153–179, Jan. 2014, doi: 10.1093/rfs/hhs072.

N. Dutta and R. S. Sobel, “Entrepreneurship and human capital: The role of financial development,” Int. Rev. Econ. Financ., vol. 57, pp. 319–332, Sep. 2018, doi: 10.1016/j.iref.2018.01.020.