SUSTAINABILITY AND AI ADOPTION IN WOMEN’S ENTREPRENEURSHIP: OVERCOMING FINANCIAL, DIGITAL, AND POLICY BARRIERS

Jason Agustinus Priyogo Utomo; Monalisa; Carolina Mustikarini; Deasy Widya Hayer; Efan James William Chendry

Jason Agustinus Priyogo Utomo Sekolah Tinggi Ilmu Ekonomi Ciputra Makassar
Monalisa Sekolah Tinggi Ilmu Ekonomi Ciputra Makassar
Carolina Mustikarini Sekolah Tinggi Ilmu Ekonomi Ciputra Makassar
Deasy Widya Hayer Sekolah Tinggi Ilmu Ekonomi Ciputra Makassar
Efan James William Chendry Sekolah Tinggi Ilmu Ekonomi Ciputra Makassar

Keywords: Sustainability, AI adoption, Women entrepreneurs, Digital literacy, Financial Access

Abstract

Artificial intelligence (AI) is progressively revolutionizing business processes, enhancing efficiency, automation, and data-driven decision-making. However, female entrepreneurs face persistent challenges in adopting AI-driven business strategies due to financial, technological, and societal constraints. This study investigates key barriers impeding AI adoption among women entrepreneurs, including limited financial access, disparities in digital literacy, and societal norms influencing technology utilization.
A quantitative research methodology was employed, using structured surveys targeting women entrepreneurs across various industries and geographic locations. Descriptive statistics, regression analysis, and structural equation modelling (SEM) were utilized to identify the primary determinants of AI adoption. Reliability and validity measures were incorporated to ensure the robustness of findings.
The results indicate that access to financial resources, digital literacy, and mentorship significantly influence AI adoption among women entrepreneurs. Structural barriers such as regulatory challenges and restricted networking opportunities remain substantial constraints. The study emphasizes the effectiveness of gender-inclusive AI training programs and financial support mechanisms in bridging the gender gap in AI adoption. Moreover, policy interventions promoting inclusive digital entrepreneurship foster a more equitable economic landscape. These findings provide essential insights for policymakers, educators, and business leaders seeking to enhance AI adoption among women entrepreneurs. Addressing financial and technological challenges through targeted interventions can boost gender-inclusive digital innovation, drive economic growth, and ensure equitable AI integration.