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All Journal JURNAL BISNIS STRATEGI JURNAL SAINS PEMASARAN INDONESIA Jurnal Studi Manajemen Organisasi Diponegoro Journal of Management Jurnal Kesehatan Reproduksi 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) International Journal of Economics Development Research (IJEDR) Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan 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.
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.
Lifestyle and Social Media Marketing as Drivers of Electronic Word of Mouth and Their Impact on Generation Z’s Online Batik Purchase Decisions Mohamad, Falahy; Indriani, Farida
International Journal of Economics Development Research (IJEDR) Vol. 6 No. 6 (2025): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v6i6.9990

Abstract

Changes in the digital lifestyle of younger generations and the growing intensity of social media use have significantly transformed consumption patterns, including the online purchase of cultural products such as batik. Although batik has gained increasing visibility in digital spaces, the level of participation of Generation Z in online batik purchasing remains relatively limited. This study aims to examine the influence of lifestyle and social media marketing on positive electronic word of mouth (e-WOM) and their impact on online batik purchase decisions among Generation Z. The study employed a quantitative research approach, with batik consumers in Indonesia as the population. Samples were selected using purposive sampling criteria, including individuals aged 17–25 years who had previously purchased batik online and were familiar with the Berkain Bersama Movement. Data were collected through structured questionnaires and analyzed using the SEM–SmartPLS approach. The findings indicate that lifestyle and social media marketing positively influence positive e-WOM as well as online batik purchase decisions. Furthermore, positive e-WOM emerges as the most influential factor in shaping purchase decisions and plays a mediating role in the relationship between lifestyle, social media marketing, and purchasing decisions. These results highlight the strategic importance of integrating digital lifestyle alignment, effective social media marketing, and positive e-WOM to enhance Generation Z’s engagement and purchasing interest in cultural products within the digital marketplace.  
Co-Authors Abda Abda 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 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 Mohamad, Falahy 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 Sulchan Sofoewan, Sulchan Sumahardi, Doddi Susilo Toto Rahardjo Sutopo Sutopo Syafaruddin, Frans Prayuda Syah, Muhammad Ariq Tambunan, Maria Anastasia Tri Sumaryati, Amelia Rahmadani Turidobroto, Bastian Utomo, Ardiawan Vancasavio, Reno Wannahar, Karvin Shinta Laily Wibowo, Wisnu Aji