Financial literacy and digital literacy significantly improve employee performance at PT XYZ in Tangerang City, according to a study published in the Indonesian Journal of Business Analytics in April 2026. The research was conducted by Hanggono Arie Prabowo from the University of Indraprasta PGRI Jakarta and highlights the growing importance of financial and technological skills in today’s increasingly digital business environment.
The study involved 48 employees of PT XYZ and used a quantitative explanatory approach with multiple linear regression analysis through SPSS 22. Data were collected between March and June 2023 to examine how financial literacy and digital literacy influence employee performance.
The findings revealed that both financial literacy and digital literacy have positive relationships with employee performance. The research model explained 67.1 percent of the variation in employee performance, indicating that these two competencies are major contributors to workplace productivity and operational effectiveness.
In the study, financial literacy refers to employees’ ability to manage budgets, understand financial statements, control costs, and make informed financial decisions. Digital literacy includes the ability to use digital devices, communication platforms, data systems, and digital payment technologies effectively in workplace activities.
The researcher explained that low financial and digital literacy can weaken operational efficiency and reduce employee competency. Employees who lack these skills are more likely to experience transaction errors, slower work processes, and difficulties meeting organizational targets.
On the other hand, employees with strong digital literacy are able to adapt more quickly to modern technologies, complete tasks more efficiently, and support business operations through digital systems and communication tools.
The study also found that financial literacy helps employees become more disciplined, strategic, and aware of efficient resource management. These abilities are considered increasingly important in competitive business environments such as Tangerang, where companies face rapid digital transformation and operational pressures simultaneously.
Another important finding is the synergy between financial literacy and digital literacy. Employees who understand financial concepts and can operate digital systems are better prepared to make faster and more accurate workplace decisions.
Hanggono Arie Prabowo emphasized the need for continuous employee training programs that integrate financial and digital skill development. The study recommends practical workplace-based learning, including training on digital payment systems, financial decision-making, and data management tools.
The research also encourages companies to adopt mobile-based micro-learning methods to make training more accessible and sustainable for employees. According to the study, this approach can gradually strengthen workforce competencies while supporting long-term organizational performance.
The findings are considered highly relevant for companies and MSMEs across Indonesia that are adapting to accelerated digitalization. Strengthening financial and digital literacy among employees may help businesses improve productivity, accelerate technology adoption, and increase competitiveness in the digital economy.
Author Profile
Hanggono Arie Prabowo - University of Indraprasta PGRI Jakarta
Research Source
Prabowo, H. A. (2026). The Effect of Financial Literacy and Digital Literacy on Employee Performance at PT XYZ, Tangerang City. Indonesian Journal of Business Analytics (IJBA), Vol. 6 No. 2, April 2026, pp. 359–372.
0 Komentar