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All Journal Jurnal Ekonomi Pembangunan ETIKONOMI Maksimum : Media Akuntansi Universitas Muhammadiyah Semarang Jurnal Manajemen Terapan dan Keuangan Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) Jurnal Manajemen Bisnis Kompak : Jurnal Ilmiah Komputerisasi Akuntansi JDM (Jurnal Dinamika Manajemen) Infestasi Journal of Accounting and Investment Benefit: Jurnal Manajemen dan Bisnis DERIVATIF Jurnal Agribisnis Management Analysis Journal Jurnal Akuntansi dan Pajak Jurnal Maneksi (Management Ekonomi Dan Akuntansi) AKUNTANSI DEWANTARA Jurnal Manajemen & Keuangan Journal of Accounting Science JURNAL MANAJEMEN MOTIVASI BERDIKARI : Jurnal Inovasi dan Penerapan Ipteks Journal of Economic, Bussines and Accounting (COSTING) J-MAS (Jurnal Manajemen dan Sains) Distribusi Owner : Riset dan Jurnal Akuntansi Shirkah: Journal of Economics and Business YUME : Journal of Management Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah JENIUS (Jurnal Ilmiah Manajemen Sumber Daya Manusia) International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Ilmiah Edunomika (JIE) Budimas : Jurnal Pengabdian Masyarakat Airlangga Journal of Innovation Management Jurnal Ilmu Manajemen Advantage Proceedings Series on Social Sciences & Humanities Jurnal Ekonomi dan Bisnis Digital (MINISTAL) East Asian Journal of Multidisciplinary Research (EAJMR) Indonesian Journal of Business Analytics (IJBA) Journal of Finance and Business Digital (JFBD) Journal of Accounting and Finance Management (JAFM) Master: Jurnal Manajemen dan Bisnis Terapan Asian Journal of Management Analytics Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Journal of Islamic Economics Lariba PERMANA : Jurnal Perpajakan, Manajemen, dan Akuntansi Paradoks : Jurnal Ilmu Ekonomi IIJSE Jurnal Ekonomi Bisnis Antartika Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies JURNAL MANAJEMEN DAN BISNIS INDONESIA
Maulida Nurul Innayah
Universitas Muhammadiyah Purwokerto
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Literasi Keuangan, Lingkungan Sosial, dan Persepsi Kemudahan Penggunaan sebagai Pendorong Adopsi Pembayaran Digital pada UMKM: Apakah Pendidikan Berperan? Lestari, Via Okti; Maulida Nurul Innayah
JURNAL MANAJEMEN MOTIVASI Vol 22 No 2 (2026): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v22i2.9344

Abstract

Despite the rapid expansion of digital payment services in Indonesia, adoption among MSMEs remains uneven. This study examines the effects of financial literacy, social environment, and perceived ease of use on digital payment adoption and the moderating role of education. Data from 172 MSME owners in Banyumas Regency were analyzed using PLS-SEM. The results indicate that financial literacy, social environment, and perceived ease of use significantly enhance digital payment adoption, while education has no moderating effect. These findings imply that improving financial capability, strengthening business networks, and providing user-friendly digital payment services are more effective than relying on formal educational attainment.
Pengaruh Citra Destinasi & Persepsi Risiko  terhadap Minat Kunjung Ulang: Peran Kepuasan Wisatawan pada Pendaki Gunung Prau  Via Patak Banteng Amalia Romadhani; Rahayu, Tri Septin Muji; Anggara, Ali Akbar; Miftahuddin, Muchammad Agung; Innayah, Maulida Nurul
JURNAL MANAJEMEN MOTIVASI Vol 22 No 2 (2026): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v22i2.9356

Abstract

This study examines how destination image and perceived risk influence hikers’ revisit intention, with tourist satisfaction as a mediating variable, in the context of Mount Prau hiking route via Patak Banteng. Using a quantitative approach, data were collected online through a Google Form questionnaire distributed to respondents who had hiked the route at least twice, ensuring adequate experience for evaluation. The analysis employed PLS-SEM to assess measurement validity and to test direct and indirect relationships among constructs. The findings indicate that destination image significantly strengthens tourist satisfaction and directly increases revisit intention. Tourist satisfaction also plays a crucial role in shaping revisit intention and mediates the effect of destination image on revisit intention, indicating that revisit intention is largely driven by how hikers evaluate their actual experience after visiting. Conversely, perceived risk does not significantly affect satisfaction or revisit intention, and satisfaction does not mediate the risk–revisit relationship. Practically, strengthening emotional-visual impressions, improving facilities, managing crowding, and reinforcing safety management are strategic priorities to enhance satisfaction and sustain revisit intention for nature-based adventure destinations.
PERAN LITERASI KEUANGAN DALAM MEMEDIASI PENGARUH BIAS PERILAKU TERHADAP KEPUTUSAN INVESTASI UMKM DI BANYUMAS Cahyani, Ica Dwi; Purwidianti, Wida; Astuti, Herni Justiana; Innayah, Maulida Nurul
Jurnal Manajemen Terapan dan Keuangan Vol. 15 No. 03 (2026): Jurnal Manajemen Terapan dan Keuangan (On Proses)
Publisher : Program Studi Manajemen Pemerintahan dan Keuangan Daerah Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jmk.v15i03.59304

Abstract

Abstrak Penelitian ini bertujuan untuk menganalisis peran literasi keuangan dalam memediasi pengaruh bias perilaku Overconfidence, Representativeness, Anchoring, dan Availability terhadap keputusan investasi pelaku UMKM di Kabupaten Banyumas. Penelitian menggunakan pendekatan kuantitatif dengan data primer yang dikumpulkan melalui kuesioner kepada 136 responden yang dipilih menggunakan teknik convenience sampling. Analisis data menggunakan metode Partial Least Squares Structural Equation Modeling (PLS-SEM) dengan bantuan SmartPLS 3.0. Hasil penelitian menunjukkan bahwa Overconfidence, Representativeness, Anchoring, dan Availability berpengaruh positif terhadap literasi keuangan, serta Overconfidence, Representativeness, dan Anchoring juga berpengaruh positif terhadap keputusan investasi. Sebaliknya, variabel Availability tidak berpengaruh signifikan terhadap keputusan investasi. Selanjutnya, literasi keuangan berpengaruh positif terhadap keputusan investasi. Hasil pengujian mediasi menunjukkan bahwa literasi keuangan mampu memediasi pengaruh Overconfidence, Anchoring, dan Availability terhadap keputusan investasi, namun tidak memediasi pengaruh Representativeness. Temuan ini menunjukkan bahwa keputusan investasi pelaku UMKM tidak hanya dipengaruhi oleh bias perilaku, melainkan juga ditentukan oleh tingkat literasi keuangan yang dimiliki. Kata kunci: Bias Perilaku, Literasi Keuangan, UMKM, Keputusan Investasi.  
Digital Financial Literacy and Financial Technology on Financial Performance through Financial Behavior as a Mediating Variable Nur Apni Wulandari; Wida Purwidianti; Maulida Nurul Innayah; Restu Frida Utami
Airlangga Journal of Innovation Management Vol. 6 No. 3 (2025): Airlangga Journal of Innovation Management
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ajim.v6i3.75572

Abstract

This research analyzes the effect of digital financial literacy and financial technology on financial performance, with financial behavior as a mediator. The population used is the MSE actors in the South Brebes Regency area, consisting of 6 sub-districts. Sampling using the convenience sampling technique calculated by the Slovin formula, resulting in 110 participants. The data were collected through the distribution of questionnaires using a Likert scale, and then examined with SmartPLS 3.0 software. According to the results, adopting fintech is not the only way for MSEs to achieve excellent financial performance; responsible financial behavior and a firm understanding of digital financial literacy are also essential. Theoretically, this study highlights that enhancing MSE financial performance requires a combination of financial expertise and efficient technology use, since technology is insufficient on its own without the capacity to understand and utilize financial data strategically. From a managerial standpoint, the findings suggest that improving MSE actors’ financial capabilities, especially their comprehension, interpretation, and application of digital financial tools and concepts, is essential to guaranteeing that fintech solutions can be utilized efficiently. In an increasingly digital economic world, this capacity helps business owners make strategic, sustainable, and well-informed decisions that support the long-term resilience and success of their companies.
Co-Authors Ainun Nizmah, Kemala Aji Sugiarto Akhmad Darmawan Akhmad Darmawan Akhmad Darmawan Al Mubarik, Aenad Alfalisyado Alfato Yusnar Kharismasyah Alfato Yusnar Kharismasyah Amalia Romadhani Amrizah Kamaluddin Ana Dwi Setyaning Anatasya , Putri Syifa Anggara, Ali Akbar Anggita Nur Reza Aqila Jihan Putri Rahardin Arini Hidayah Arini Hidayah, Arini Aryoko, Yudhistira Pradhipta Asih, Faisyah Yuli Astuti, Hernia Justiana Azizah, Farinda Hauna Bagis, Fatmah Bima Cinintya Pratama Bintang Putra Fauzi Bondan Pradiptasani Suryawan Cahyani, Ica Dwi Dian Larasati Dian Widyaningtyas Dyandra Viorica Ivonilenia Ega Yufitra Rahayu Eka Yuli Purwita Elda Nur Fadillah Erny Rachmawati Fatmah Bagis Fitriati, Azmi Hardiyanto Wibowo Hardiyanto Wibowo Hardiyanto Wibowo, Hardiyanto Hengky Widhiandono, M.Si. S.E. Hermin Endratno Herni Justiana Astuti Herni Justiana Astuti Herni Justiana Astuti Imaniar Zahwa, Tiara Indriana Putri Karin Maharani Sasongko Kharismasyah, Alfato Yusnar Lestari, Via Okti Lisa Cahya Zaharani Luthfi Zamakhsyari M Agung Miftahudin M Makhrus M. Agung Miftahuddin Maharani, Wilia Krisna Mamduh M. Hanafi Mastur Mujib Ikhsani Miftahuddin, Muchammad Agung Miftahul Furqon Muhammad Arfani Zaidan Muhammad Fuad Naelati Tubastuvi Naelati Tubastuvi Nawalin Nazah Nirvananda, Anandita Nur Apni Wulandari Nurfiani, Aisah Nurul Nur Aeni Petra, Dany Nofrizal Pradana, Arkan Ananta Pradhipta, Yudhistira Pratami, Naturi Diah Purnadi Purnadi Purnadi, Purnadi Qory Diana Lita Ragil Danu Saputra Rahmawati, Ika Yustina Refaldy Barry Saputra Restu Frida Utami Retnaningrum, Maharani Reza Dwi Fauzhi Rifka Utami Arofah Sahulata, Hanastasya Salsabilla, Syaefa Intan Sasongko, Karin Maharani Shabrina Zusryn, Alyta Shukriah Saad Siti Kholifah Siti Syaqilah Hambali Suyoto Suyoto Suyoto Suyoto Suyoto Syaefa Intan Salsabilla syafa’at, Faizal Tiarto, Ahlan Gema Tri Septin Muji Rahayu, Tri Septin Wida Purwidianti Wida Purwidianti Widyaningtyas, Dian Wulan, Zani Nawang Yustina Rahmawati, Ika Zaen, Mudrikah Zahra, Hakimatuz Zulfa Putri Kasuwardani Zulfa Suhailah Zulfikar Ali Ahmad Zulfikri, Moh. Danar