Educational Strategies for Fortified Goat Milk Development Supported by Digital Financial Ecosystems

Marice Br Hutahuruk; Achmad Tavip Junaedi; Nicholas Renaldo; Muhammad Pringgo Prayetno; Arih Dwi Prihastomo; Andi Andi; Novita Yulia Putri; Luciana Fransisca; Umar Faruq; Sulaiman Musa

doi:10.61230/reflection.v3i1.143

Authors

Marice Br Hutahuruk AMIK Mahaputra Riau, Indonesia
Achmad Tavip Junaedi Institut Bisnis dan Teknologi Pelita Indonesia, Indonesia
Nicholas Renaldo Bond University, Australia
Muhammad Pringgo Prayetno Institut Bisnis dan Teknologi Pelita Indonesia, Indonesia
Arih Dwi Prihastomo Institut Bisnis dan Teknologi Pelita Indonesia, Indonesia
Andi Andi Institut Bisnis dan Teknologi Pelita Indonesia, Indonesia
Novita Yulia Putri Institut Bisnis dan Teknologi Pelita Indonesia, Indonesia
Luciana Fransisca Institut Bisnis dan Teknologi Pelita Indonesia, Indonesia
Umar Faruq Universitas Islam Negeri Sultan Syarif Kasim Riau, Indonesia
Sulaiman Musa Kano State Polytechnic, Nigeria

DOI:

https://doi.org/10.61230/reflection.v3i1.143

Keywords:

Fortified Goat Milk, Education Strategy, Digital Financial Ecosystems, Digital Banking, Financial Literacy, Agro-Entrepreneurship

Abstract

The development of fortified goat milk offers a promising approach to addressing nutritional deficiencies while creating value-added opportunities in the dairy sector, particularly in rural and peri-urban communities. Despite its potential, many fortified goats milk initiatives remain small-scale due to limited entrepreneurial capacity, weak market integration, and low adoption of digital financial systems. This study aims to examine educational strategies that integrate fortified goat milk development with digital financial ecosystems to enhance enterprise sustainability and scalability. Using a mixed-methods approach, the study combines qualitative interviews and focus group discussions with quantitative survey analysis involving educators, students, dairy producers, and digital finance practitioners. The findings reveal that conventional education emphasizes technical production skills while neglecting financial literacy and digital finance competencies. Integrated educational strategies significantly improve digital banking adoption, financial management practices, and access to microfinancing, which in turn mediate improvements in business performance. The study contributes a novel interdisciplinary framework that links nutrition innovation education with digital finance literacy, offering practical insights for educators, policymakers, and development agencies seeking to strengthen fortified dairy value chains and promote inclusive, digitally enabled agro-entrepreneurship.

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