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All Journal JURNAL BISNIS STRATEGI JURNAL SAINS PEMASARAN INDONESIA Jurnal Studi Manajemen Organisasi Diponegoro Journal of Management Jurnal Kesehatan Reproduksi Journal of Economics, Business, & Accountancy Ventura Management Analysis Journal Jurnal Ilmiah Ekonomi Islam Syntax Literate: Jurnal Ilmiah Indonesia Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan International Journal of Economics, Business and Accounting Research (IJEBAR) Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Return : Study of Management, Economic and Bussines Research Horizon Economic and Business Horizon
Farida Indriani
Program Studi PGSD FKIP Universitas Cokroaminoto
Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Social Sciences Other

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The Role of Digital Banking and Fintech in Advancing Financial Inclusion Sihotang, Daniel Janrian; Kamaludi, Elvin; Indriani, Farida
Economic and Business Horizon Vol. 4 No. 2 (2025): May
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/ebh.4.2.2025.678

Abstract

This study examines the role of digital banking and fintech in promoting financial inclusion and sustainable economic growth within a globalized context. As technological innovations transform financial services, key questions focus on how fintech bridges gaps in access, enhances efficiency, and drives economic participation among underserved populations. The research analyzes data from various countries to assess the effectiveness of fintech initiatives in expanding financial access, highlighting successful strategies and common challenges such as regulatory barriers, security risks, and digital literacy gaps. The discussion explores strategies for effective implementation, including collaboration among regulators, financial institutions, and technology providers, as well as the importance of establishing a secure digital infrastructure. Results indicate that fintech solutions significantly improve access to banking, especially in rural and low-income areas, contributing to economic resilience and social inclusion. The article emphasizes that a supportive policy environment and innovative technological deployment are essential for maximizing fintech's impact on economic sustainability. Findings suggest that targeted efforts to address barriers can foster greater financial inclusion, thus supporting broader goals of economic growth and development. Overall, the study underscores the potential of fintech to serve as a catalyst for inclusive, sustainable financial ecosystems in a rapidly globalizing world.
Shopping Value Resonance of Household Appliance and Purchase Intentions in E-Commerce Sujarwo, Makmur; Indriani, Farida
Journal of Economics, Business, and Accountancy Ventura Vol. 24 No. 3 (2021): December 2021 - March 2022
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v24i3.2894

Abstract

This study investigates shopping value resonance as a novelty concept that can bridge monetary promotion to purchase intentions on e-commerce platforms. Previous research has revealed that monetary promotion does not affect purchase intentions. The data was collected through a survey of 426 respondents who had shopped online in the form of home appliances and domiciled in Central Java, Indonesia. The data is analyzed using the Structural Equation Model PLS. The results show that monetary promotion has a significant and positive effect on purchase intention and shopping value resonance. Furthermore, shopping value resonance positively affects purchase intention. All the hypotheses are confirmed. The role of shopping value resonance as a mediation of monetary promotion and purchase intention is proven. Companies engaged in e-commerce can increase monetary promotion (e.g., discounts) through shopping value resonance, so that customer shopping on e-commerce is more comfortable and fun. This will have an impact on increasing purchase intentions. The findings suggest the need for companies to create monetary added value in theirpromotional activities considered useful by their customers.
Analysis of Factors Influencing Shopee E-Commerce Purchase Decisions Tegar Kurniawan, Aden; Indriani, Farida
Return : Study of Management, Economic and Bussines Vol. 2 No. 3 (2023): Return : Study of Management, Economic And Bussines
Publisher : PT. Publikasiku Academic Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57096/return.v2i03.87

Abstract

This study aims to analyze the factors that drive consumers to choose Shopee as a marketplace compared to other applications. The timeframe for this research was conducted from 2022-2023 with employees of PT. Telkom Semarang as an object. The sampling method used is non-probability sampling and accidental sampling, namely determining the sample based on natural or reflex factors. The final sample numbered 100 employees. Quantitative analysis using the structural equation modeling (SEM)-partial least squares path (PLS) method is used to test the data because it involves intervening variables. The results show that convenience has no effect on purchasing decisions, but convenience can influence trust. Meanwhile, trust is not able to be a good intervention between convenience and purchasing decisions. perceived risk has no effect on purchasing decisions, and perceived risk also has no effect on trust. Meanwhile, trust is not able to be a good intervention between perceived risk in purchasing decisions. Impulsive buying has no effect on purchasing decisions. However, impulsive buying affects trust. Meanwhile, trust can be a good intervention between impulsive buying and buying decisions. trust has a positive effect on buying decisions.
Pengaruh Program Membership dan Kualitas Layanan Perspektif Ekonomi Islam Terhadap Minat Pembeliaan Berulang Dengan Kepuasan Pelanggan Sebagai Variabel Intervening Utomo, Ardiawan; Indriani, Farida
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.8668

Abstract

This research aims to find out, study and analyze the influence of membership programs and service quality on repeat purchase interest with customer satisfaction as an intervening variable. The population is Ngoembah laundry customers with a total of 600 customers. The number of samples for this research was 86 customers using the Slovin formula. Researchers use quantitative analysis to analyze data. To collect data directly from Ngoembah laundry customers, using a survey or questionnaire method was chosen. This research uses Structural Equation Modeling (SEM) which is a multivariate analysis method which combines factor analysis and regression analysis. The research results obtained show that the membership program has a positive and significant effect on customer satisfaction. Service quality has a positive and significant effect on customer satisfaction. The membership program has a positive and significant effect on repurchase interest. Service quality has a positive and significant effect on repurchase intention. Customer satisfaction has a positive and significant effect on repurchase intention.
Enhancing SME Export Performance in Indonesia: The Role of Learning Orientation and Pro-expansion Network Quality Sari, Tria Mei Dian; Ferdinand, Augusty Tae; Indriani, Farida
Journal of Economics, Business, and Accountancy Ventura Vol. 28 No. 1 (2025): April-July 2025
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav,28(1)2025,4836

Abstract

This study explores the mediating role of pro-expansion network quality on the relationship between learning orientation and export performance, the moderating impact of competitive intensity on the association between pro-expansion network quality and export performance, and the effect of international market selection on export performance. This research employed a deductive approach, grounded in the Resource-Advantage Theory, and a quantitative research design. Empirical model testing was conducted on SME exporters in Central Java and Yogyakarta, Indonesia, using SEM AMOS. The findings reveal that all the direct relationships exert positive effects. In addition, this study addresses the research gap by demonstrating that pro-expansion network quality is a significant mediator. However, there is no moderating role of competitive intensity. Proexpansion network quality positively correlates with export performance, regardless of the level of competition. Practically, these results highlight the importance of SMEs in investing in continuous learning, building pro-expansion network quality, and carefully deciding the international market selection to improve export performance. Limitations include the emphasis on a singular strategic orientation, mediator and moderator variables, a particular geographic region, and firm size, and the use of a cross-sectional data design. Future research should explore other strategic orientations, mediators, moderators, and more diverse samples while employing longitudinal methods.
Co-Authors Abdillah, Aris Ade Kurniadi, Ade Adi Kurniawan, Henricus Adi, Bramasto Adiq Riyan Kurniawan, Adiq Riyan Aditya Kurniawan Adriyati, Rosmaya Agustin, Fitrianiz Amie Kusumawardhani, Amie Apriando, Joni Putra Asegaf, Fatimah Tsaralya Augusty Tae Ferdinand Ayu Puspitasari, Dyah Choirunnisa Choirunnisa, Choirunnisa Citra Ajeng Isywari, Citra Ajeng Damayant, Akmila Farida Dani, Akhmad Nur Darmawan, Ekwan Dewi, Nike Silvia Dimas Dwi Prasetyo Diva Riza Fahlefi Ekaputri, Alya Maherka Ellanto, Kenny Forma Nastiti, Monica Rizka Gracelia, Yohana Gunawan, Veronica Christin Hapsari, Ria Mawar Hari Basuki Harimurti, Panji Satria Harjum Muharam Harry Soesanto I Made Sukresna Ibadi, Iman khusni Ikwanto, Azisma Nur Putri Irfan Wildzan Muafa J. Sugiarto, J. Johan, Destarika Irene Kamaludi, Elvin Maharani, Shabira Mirna Tria Pratiwi Nandia Agy Nilawati Nofriady, Hery Nurdianasari, Rista Nurwibowo, Rifqi Wildan Pangestika, Teta Kirana Pertiwi, Rizky Maulani Pradwipa, Ayodya Prasetyowati, Eko Rahman, Andi Halim Ronauli, Laura Natalia Salvariza, Muhammad Santoso, Wibowo Iman Sari, Tria Mei Dian Shofwal Widad Sihotang, Daniel Janrian Singgih Purnomo Sudrajat, Bagas Sujarwo, Makmur Sulchan Sofoewan, Sulchan Sumahardi, Doddi Susilo Toto Rahardjo Sutopo Sutopo Syafaruddin, Frans Prayuda Syah, Muhammad Ariq Tambunan, Maria Anastasia Tegar Kurniawan, Aden Tri Sumaryati, Amelia Rahmadani Turidobroto, Bastian Utomo, Ardiawan Vancasavio, Reno Wannahar, Karvin Shinta Laily Wibowo, Wisnu Aji