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All Journal Jurnal Bisnis dan Manajemen Jurnal Keuangan dan Perbankan Jurnal Ilmiah Mahasiswa FEB JAM : Jurnal Aplikasi Manajemen Jurnal Akuntansi Multiparadigma Wacana, Jurnal Sosial dan Humaniora MIX : Jurnal Ilmiah Manajemen Jurnal Manajemen dan Kewirausahaan (JMDK) Asia-Pacific Management and Business Application Jurnal Ekonika : Jurnal Ekonomi Universitas Kadiri Jurnal Manajemen Indonesia Management and Economics Journal (MEC-J) JIMEK : Jurnal Ilmiah Mahasiswa Ekonomi JBMR: Journal of Business and Management Review Jurnal Pengabdian kepada Masyarakat Nusantara International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) BISMA (Bisnis dan Manajemen) Jurnal Manajemen Pemasaran dan Perilaku Konsumen Jurnal Management Risiko dan Keuangan West Science Business and Management Jurnal Kewirausahaan dan Inovasi Management Analysis Journal Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan
Siti Aisjah
Fakultas Ekonomi Dan Bisnis Universitas Brawijaya
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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The Effect of Perceived Usefulness, Perceived Ease of Use, and Social Influence on the Use of Mobile Banking through the Mediation of Attitude Toward Use Prastiawan, Denny Indra; Aisjah, Siti; Rofiaty, Rofiaty
APMBA (Asia Pacific Management and Business Application) Vol. 9 No. 3 (2021)
Publisher : Department of Management, Faculty of Economics and Business, Brawijaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.apmba.2021.009.03.4

Abstract

Mobile banking is one of the channels of banking service provided by banking institutions in forms of modern platforms that are fully based on digital technology and displace physical interaction between banks and their customers. For banking industry, mobile banking is more than a service option; it is a strategic plan to facilitate customer’s changes in behavior. However, the acceptance of such platform by the public, particularly micro entrepreneurs, is still in question. The objective of this research is to identify factors influencing the use of mobile banking based on the perception of micro customers of Bank DKI in Surabaya. The variables used in this study were developed from previous researches that also examined the same matter with adjustment on the characteristics of micro customers. The variables, developed through the theoretical review, were then empirically assessed using SEM-PLS. the data was collected from questionnaires distributed to 266 micro customers who received financing from Bank DKI. The surcey discovered that perceived usefulness, perceived ease of use, and social influence are empirically proven to have both direct effects on the use of mobile banking and indirect effects through attitude toward use. Practical implications also discussed in this paper. 
Investment Decisions Among Young Investors: Mediating Role of Risk Perception and Risk Tolerance in Relationship Emotional Intelligence and Financial Literacy Siti Aisjah; Atim Djazuli; Cicik Retno Wati; Muhammad Fajrul Islam F; Wildan Fadhila; Nuraini Desty Nurmasari
Ekonika : Jurnal Ekonomi Universitas Kadiri Vol. 11 No. 1 (2026): April 2026
Publisher : Fakultas Ekonomi Universitas Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30737/ekonika.v11i1.7031

Abstract

This study investigates the influence of financial literacy and emotional intelligence on investment decisions among Generation Z in East Java, considering the mediating roles of risk perception and risk tolerance. Employing a quantitative approach, data were collected from 500 respondents aged 18–24 with valid single investor identification (SID) and prior capital market investment experience. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings reveal that financial literacy significantly affects investment decisions, risk perception, and risk tolerance; however, its indirect influence through risk perception and tolerance is not significant. Conversely, emotional intelligence has a direct and significant effect on investment decisions and also indirectly influences them through both mediating variables. These results underscore the importance of integrating emotional intelligence and risk management training into financial education programs targeting young investors. This research highlights the psychological dimensions of financial decision-making and provides practical insights for policymakers, educators, and financial institutions seeking to promote more informed and sustainable investment behavior.
Reframing MSME Sustainability through Contextualized Islamic Law and Local Wisdom: Financial Knowledge, Risk-Taking, and Dynamic Capability Perspective Yuli Agustina; Sumiati Sumiati; Siti Aisjah; Risna Wijayanti
Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan Vol 13, No 1 (2026): January-June
Publisher : Faculty of Sharia (Islamic Law) at Fatmawati Sukarno State Islamic University Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/mzn.v13i1.10860

Abstract

Eco-friendly small and medium enterprises (SMEs) increasingly face sustainability challenges driven by financial uncertainty, competitive pressure, and environmental responsibility. This study examines how financial knowledge, financial skills, and financial risk-taking influence SME sustainability, while testing the mediating role of dynamic capability and the moderating role of local wisdom. Grounded in the dynamic capability framework, this research argues that financial competence alone is insufficient unless entrepreneurs can transform resources into adaptive and innovative capabilities. A quantitative approach was employed using survey data collected from eco-friendly SME owners across East Java Province, Indonesia. The proposed moderated mediation model was analyzed using Structural Equation Modeling (SEM). The results demonstrate that financial knowledge, financial skills, and risk-taking behavior significantly enhance SME sustainability. Moreover, dynamic capability partially mediates these relationships, indicating that financial competence contributes to sustainability primarily through the ability to sense opportunities, seize strategic actions, and reconfigure resources in response to market and environmental changes. The moderation analysis further reveals that local wisdom strengthens the relationship between financial competence and dynamic capability, as well as its subsequent effect on sustainability. These findings highlight that culturally embedded values and community-based practices enhance entrepreneurial resilience and support sustainable decision-making. This study contributes theoretically by integrating financial behavioral factors, dynamic capability theory, and local cultural context into a unified sustainability model for SMEs. From the perspective of Contextualized Islamic Law, these findings resonate with the principles of maqāṣid al-sharīʿah, particularly the preservation of wealth (ḥifẓ al-māl), public welfare (maṣlaḥah ʿāmmah), social cooperation (taʿāwun), and environmental protection (ḥifẓ al-biʿah), which collectively provide a normative foundation for sustainable entrepreneurship. Accordingly, the sustainability of eco-friendly SMEs may be understood not only as an economic objective but also as the realization of Islamic ethical values through the integration of financial competence, adaptive capability, and local wisdom. Practically, the study suggests that SME development programs should emphasize not only financial education but also capability-building interventions aligned with local wisdom to strengthen long-term sustainability in green-oriented enterprises
Co-Authors . Sugiarti ., Jumahir A. Dewantoro Marsono Abda Abda Afifah, Marisa Mursyidhatul Agung Laksana Agustian Eko Hadianto Agustian Eko Hadianto, Agustian Eko Ahmad, Zainuddin AINUR ROFIQ Almira, Yorina Huwaida Ananda Sabil Hussein Anggraini, Mutia Rizki Ardiansyah Muhammad Arifah, Hilda Astrid Puspaningrum Atim Djazuli Bastomi, Mohamad Bhagas Pratyaksa Mahardhika Budi Handrianto Chintya Dewi Ekacittasari Christin Susilowati Cicik Retno Wati Cicik Retno Wati Deni, Febrianto Frans Denny Indra Prastiawan Dessy Handa Sari Devia, Aldeline Nolita Diana Ayu Kartikasari Dunga Dwi Barinta Ekacittasari, Chintya Dewi ENDAH KUSUMAWATI Fadhila, Wildan Genira, Chika Felsia Hilda Arifah Imron, Maulidatussa'adah Indah Rachma Putri Karismajid Nur Laksana Khair, Muthi Abul Kusniyah, Nur Kusuma Ratnawati Laksana, Agung Lilik Choirotul Mafula Lilis Suindrawati Lubis, Haikal Yasin M. Aan Faizal Mubarak Maesaroh, Eka Siti Mafula, Lilik Choirotul Maulana, Luthfila Akbar Melindhar, Suristika Moeljadi Moeljadi Muhammad Fajrul Islam F Nanda Karprilano Narahdita, Ajeng Putri Noermijati NUR HASANAH Nuraini Desty Nurmasari Oktavian, Eksa Panji Rizki Maulana Permatasari, Aisyah Devi Pertiwi, Nanda Prastiawan, Denny Indra Putra, Hasannudin Nursalim Putri, Indah Rachma Rahmadhi, Nanda Supraba Raisa Fitri Ramadani Wibowo Ramadhan, Satria Putra Ratih Mardianti Reno Furqon Kusumawardana Ricki Prajamukti Ricky Indra Gunawan Rico Eka Wahyu Hudiwijono Risna Wijayanti Rofiaty, Rofiaty Salsabila, Ellen Elysia Saputra, Idang Raya Sefel, Raja Abiyyu Septi Wulandari SEPTI WULANDARI Sri Palupi Prabandari Sri Palupi Prabandari Stefan Yudhanto Sugiarti Suindrawati, Lilis Sumantri, Dzaki Maulana Sumiati . Sunaryo Sunaryo Surachman Surachman Surachman Surachman, Surachman Suristika Melindhar Susilowati, Christine Ubud Salim Ubud Salim Ubud Salim Ury Tri Rahayu Vierkury Metyopandi Vildayanti, Rina Ayu Wati, Cicik Retno Wildan Fadhila Wildan Fadhila Wirani, Bella Nisa Yana Respati Dewi Yuli Agustina Yuni Kusuma Arumsari Zainuddin Ahmad Zulianto, Angga