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All Journal SEIKO : Journal of Management & Business KACANEGARA Jurnal Pengabdian pada Masyarakat GEMA EKONOMI Jurnal Informatika Ekonomi Bisnis INTEGRITAS : Jurnal Pengabdian Management Studies and Entrepreneurship Journal (MSEJ) JIIP (Jurnal Ilmiah Ilmu Pendidikan) Jurnal Kewarganegaraan Jurnal Abdiraja Pengmasku Indonesian Journal of Social Science Research Jurnal Ilmu Ekonomi Manajemen dan Akuntansi Jurnal Ekonomi dan Kewirausahaan Kreatif Jurnal Kreativitas dan Inovasi (Jurnal Kreanova) Abdi Cendekia: Jurnal Pengabdian Masyarakat Jurnal Manajemen Bisnis Kewirausahaan Hippocampus: Jurnal Pengabdian Kepada Masyarakat Journal of Artificial Intelligence and Digital Business Jurnal Ekonomi, Bisnis dan Pendidikan (JEBP) Jurnal Manajemen dan Penelitian Akuntansi (JUMPA) Indonesian Journal of Multidisciplinary on Social and Technology Jurnal Informatika Ekonomi Bisnis Jurnal Pengabdian Masyarakat dan Lingkungan Brilliant International Journal of Management and Tourism Fundamental and Applied Management Journal Optimal: Jurnal Ekonomi dan Manajemen
syafii, mochamad -
Fakultas Ekonomi, Universitas Gresik, Indonesia
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The Influence of Financial Literacy, Financial Behavior, and Utilization of Financial Technology on the Performance of MSMEs in Ujungpangkah District Fatmah Nuril Maulidiyah; Adiba Fuad Syalman; Mochamad Syafii
Ilmu Ekonomi Manajemen dan Akuntansi Vol. 7 No. 1 (2026): Jurnal Ilmu Ekonomi Manajemen dan Akuntansi
Publisher : Universitas Mohammad Husni Thamrin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37012/ileka.v7i1.3490

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are one of the sectors that have a strategic role in the Indonesian economy. Micro, Small, and Medium Enterprises (MSMEs) play a crucial role in the Indonesian economy by making significant contributions to the national Gross Domestic Product (GDP) and providing substantial employment opportunities. However, many MSME owners still face challenges in financial management, which can affect their business financial performance. This study aims to analyze the influence of financial literacy, financial behavior, and the utilization of financial technology on the financial performance of MSMEs in Ujungpangkah District. The study employed a quantitative approach using a survey method involving MSME owners who had operated their businesses for at least one year. Data were analyzed using SmartPLS. The results indicate that financial literacy and the utilization of financial technology have a positive effect on the financial performance of MSMEs. Financial behavior also plays an important role in supporting better financial management practices. These findings suggest that improving financial literacy and encouraging the adoption of financial technology can serve as effective strategies for enhancing the financial performance of MSMEs.
Financial leadership today deman Financial Leadership : Navigating Change and Driving Growth in the Modern Era Dwiki Priyandono; Mochamad Syafii; Rachmad Ilham
OPTIMAL Jurnal Ekonomi dan Manajemen Vol. 5 No. 1 (2025): Jurnal Ekonomi dan Manajemen
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/optimal.v5i1.6539

Abstract

Financial leadership today demands far more than managing budgets or ensuring compliance it requires shaping strategy, driving technology adoption, and aligning financial decisions with long-term stakeholder value. This article examines how the role of the CFO has evolved into a central force behind business transformation. It outlines four concrete capabilities now essential for financial leaders: reallocating capital dynamically in response to market shifts, leading enterprise-wide digital initiatives like AI-driven forecasting and automation, embedding ESG metrics directly into investment decisions and risk models, and influencing non-financial KPIs such as innovation return and customer lifetime value. Traditional leadership models that focus on variance analysis and quarterly reporting fail to equip CFOs for real-time, cross-functional leadership. Drawing from recent academic literature, this article demonstrates that companies with CFOs who embrace data fluency, experimentation, and sustainability outperform peers in agility and resilience. It calls for executive development programs that incorporate training in digital tools, ESG analytics, and strategic scenario planning. These changes are critical not just to redefine finance functions, but to equip organizations for growth and stability in volatile, tech-driven markets.
The Role of Artificial Intelligence in Risk Management for Financial Institutions Muhammad Tomy Mubarroq; Suharto Suharto; Mochamad Syafii
OPTIMAL Jurnal Ekonomi dan Manajemen Vol. 5 No. 1 (2025): Jurnal Ekonomi dan Manajemen
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/optimal.v5i1.6544

Abstract

Artificial intelligence (AI) is changing how financial institutions manage risk, as traditional methods struggle to keep up with fast-moving threats and growing data complexity. AI technologies like machine learning and natural language processing are now used to improve credit scoring, detect fraud faster, predict market risks, and automate compliance tasks. This study explores how these tools are being applied to make risk management more accurate and efficient. Findings show that using new types of data—such as mobile usage or online behavior—helps assess credit for those without formal histories, AI reduces false fraud alerts significantly, and compliance work becomes faster with automated document reading. Still, challenges remain: some AI models are too difficult to explain to regulators, biased results have raised fairness concerns, and older systems in many banks can’t support AI in real time. These issues highlight the need for clearer models, stronger safeguards, and better technology systems. Institutions are encouraged to train staff on AI oversight, use tools to check for bias, and partner with regulators to safely test new systems before full use.
Smart Finance : Leveraging Technology for Optimal Financial Decision-Making Nurul Afifah; Mochamad Syafii; Firdaus Indrajaya Tuharea
OPTIMAL Jurnal Ekonomi dan Manajemen Vol. 5 No. 1 (2025): Jurnal Ekonomi dan Manajemen
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/optimal.v5i1.6549

Abstract

The complexity of financial decision-making has intensified in the digital era due to data saturation, market volatility, and the inability of conventional models to respond to real-time and non-linear dynamics. Addressing these challenges requires the integration of intelligent systems capable of adapting to evolving financial environments. Smart finance, which combines artificial intelligence, machine learning, big data analytics, blockchain, and automation, offers transformative potential across financial services. This study synthesizes scholarly findings from 2019 to 2024 across five domains: AI-based modeling, robo-advisory applications, behavioral finance integration, decentralized finance (DeFi), and real-time risk analytics. Results indicate substantial gains in efficiency, accuracy, and personalization, yet also reveal persistent challenges, including algorithmic opacity, ethical concerns in data use, and regulatory ambiguity. Advancing smart finance demands development in explainable AI, hybrid advisory systems, and inclusive, adaptive regulation for decentralized infrastructures. The scope of the analysis is limited to peer-reviewed academic literature published in English, excluding industry reports and grey literature.
Co-Authors Abdillah, Hasan Adiba Fuad Syalman Adiba Fuad Syamlam Adiba Fuad Syamlam Adiba Fuad Syamlan Adiba Fuad Syamlan Adrijanti, Adrijanti Andriani, Neneng Yanti Anis, Fahimatul Anisaul Hasanah ANISAUL HASANAH Arif Syafi’ur Rochman Arkisman Arkisman Bustanul Ulum DEWI, RISMA KARTIKA Dwiki Priyandono Dyah Nurinda Ratna Sari Ervan Susilowati Ervita, Elsya Dwi etiyasningsih etiyasningsih Faishal Reza Saputra Fatmah Nuril Maulidiyah Firdaus Indrajaya Tuharea Fransiska Dyah Ayu Puspitasari Ida Ayu Putu Sri Widnyani Ihza Rizki Amanah Dharmawan Ilham, Rachmad Imtiyaz Farras Mufidah Istiroha Istiroha Jamilah, Dziyl Waslatiyl Kaka, Yuliana Ambu Kaka Karsim Karsim Karsim, Karsim Khoiroh Umah Lailatus Shobiha Lindawati, Tety Mohammad Syarifudin Zuhri Mono Pratiko Gustomi Muhammad Tomy Mubarroq Muhammad Zainal Abidin Nihayatul Mustafidah Noba Sholahuddin Nurul Afifah Oki Sugiarto Pramitasari S.Ant S.Ak M.Ak, Dini Ayu Prayitno, Setyo Budi Rachmad Ilham Riski Dwi Prameswari Rizky Ramadhan Rohmawan Rohmawan Rusdiyanto Rusdiyanto Rusdiyanto Rusdiyanto Rusdiyanto Rusdiyanto, Rusdiyanto Sabrina Dewanti Mugiyono Safuan Hadi Setiyono, Wisnu Panggah Setyorini, Haryati Silvia Setia Ningrum siti bariroh Siti Nurkholisah SRIWULANDARI, NOVI Sugeng Waluyo Suharto Suharto Suharto Suharto Suharto Suharto Sundari, Sri Susanti Radi Kaka Susilowati, Ervan Syamsu Rijal Ulinnuha, Mohammad Ulum, M Bustanul Umar Burhan Vita Oktavia Wahdan Budi Setiawan Yuda, Prasetya Yuliana Ambu Kaka Zahroh, Roihatul Zakiah Noer Zakiah Noer