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All Journal IQTISHODUNA EL-MUHASABA Jurnal Ekonomi Modernisasi Jurnal SOLMA JEMA: Jurnal Ilmiah Bidang Akuntansi dan Manajemen EKONOMIS : Journal of Economics and Business Al-Kharaj: Journal of Islamic Economic and Business Inobis: Jurnal Inovasi Bisnis dan Manajemen Indonesia E-JRM Electronic Journal of Education, Social Economics and Technology
Ronny Malavia Mardani
Fakultas Ekonomi Universitas Islam Malang
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Veterinary Other

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The Influence of Financial Literacy and Social Media on Gold Investment Interest Through Costumer Trust BSI Malang SOETTA Yulitasari Mila Dewi; Ronny Malavia Mardani; Nurhidayah
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 3 (2025): : All articles in this issue include authors from 3 countries of origin (Indone
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i3.7767

Abstract

This study aims to analyze the influence of financial literacy on trust, analyze the influence of social media on trust, analyze the influence of financial literacy on investment interest, analyze the influence of social media on investment interest, analyze the influence of trust on investment interest, and analyze the influence of financial literacy on investment interest through trust. The sample in this study involved 183 customers. The data analysis technique used AMOS. The results of the analysis show that financial literacy influences trust. Social media influences trust. Financial literacy influences investment interest. Social media influences investment interest. Trust influences investment interest. Financial literacy influences investment interest through trust. Social media influences investment interest through trust.
Pengaruh Penggunaan Aplikasi Keuangan Digital Terhadap Kinerja Keuangan Perusahaan Perbankan Yang Terdaftar Di Bursa Efek Indonesia Periode 2020-2023 Aisyah, Widya Nur; Mardani, Ronny Malavia; Ramadhan, Tri Sugiarti
E-JRM : Elektronik Jurnal Riset Manajemen E-JRM : Elektronik Jurnal Riset Manajemen Vol. 14 No. 02
Publisher : UNIVERSITAS ISLAM MALANG

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Abstract

Abstract This study aims to analyze the effect of using digital financial applications, consisting of mobile banking and internet banking, on the financial performance of banking companies listed on the Indonesia Stock Exchange (IDX) from 2020 to 2023. Financial performance is measured using financial ratios, namely Return On Assets (ROA), Return On Equity (ROE), and Net Interest Margin (NIM). The research method employs a quantitative approach using secondary data from the annual financial reports of banking companies. The sampling technique used is purposive sampling, with a sample size of 14 companies meeting the research criteria. Data analysis is conducted using simple regression analysis to determine the magnitude of the independent variables' influence on the dependent variable, assisted by SPSS version 25. The results indicate that the use of digital financial applications does not significantly affect ROA and ROE. However, it significantly affects the NIM ratio. This finding suggests that the utilization of digital banking services has a greater impact on net interest income than on overall profitability. Keywords: Mobile Banking, Internet Banking, Financial Performance, ROA, NIM
The Effect of Increasing Digitalization of Islamic Banking and Digital Financial Literacy on Generation-Z Saving Behavior at Islamic Banks with the Mediating Role of Halal Lifestyle Azizah, Umul; Mardani, Ronny Malavia; Nurhidayah, Nurhidayah
Electronic Journal of Education, Social Economics and Technology Vol 6, No 1 (2025)
Publisher : SAINTIS Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33122/ejeset.v6i1.975

Abstract

This study examines the effect of digitalization of Islamic banking and digital financial literacy on Generation Z saving behavior, with halal lifestyle as a mediating variable. The study was conducted with an explanatory quantitative approach using AMOS-based Structural Equation Modeling (SEM) analysis techniques. The research respondents were 150 active students of the Faculty of Economics and Business, Islamic University of Malang who have used Islamic bank digital services. The research instrument was prepared based on validated indicators from previous research.The analysis shows that the digitalization of Islamic banking has a positive and significant effect on Generation Z's saving behavior (CR 1.96, p 0.05). Digital financial literacy also has a significant influence on saving behavior, as well as strengthening individual capacity in making financial decisions independently and according to sharia principles. Halal lifestyle is proven to act as a significant partial mediating variable in the relationship between digitalization and saving behavior, as well as between digital financial literacy and saving behavior. This means that the higher the awareness of halal lifestyle, the stronger the relationship between the adoption of Islamic financial technology and sharia-compliant saving habits. The implications of this study emphasize the importance of developing digital services that are not only efficient and secure, but also in line with Islamic religious and ethical values, in order to strengthen the loyalty and financial inclusion of young Muslims. This research also provides a theoretical contribution to the digital technology-based Islamic financial behavioral literature.
Digital Banking Optimization Strategy for Gold Investment as an Alternative Long-Term Investment Oktaningrum, Indarti Indah; Mardani, Ronny Malavia; Nurhidayah, Nurhidayah
Electronic Journal of Education, Social Economics and Technology Vol 6, No 1 (2025)
Publisher : SAINTIS Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33122/ejeset.v6i1.970

Abstract

The digital transformation taking place in the financial sector not only affects people's transaction patterns, but also expands access to various investment instruments. One instrument that shows significant convergence in the digital era is gold. Gold, as a traditional asset with safe haven characteristics, is now increasingly accessible through digital banking platforms provided by banks, including Bank Syariah Indonesia. This study aims to explore digital banking optimization strategies towards gold investment opportunities as an alternative long-term investment in Bank Syariah Indonesia. The approach used is exploratory qualitative, with data collection techniques through in-depth interviews and documentation studies. Data analysis was conducted using the SWOT approach and strategy formulation through the TOWS matrix. The findings show that although the digital gold investment feature is available on most of Bank Syariah Indonesia's platforms, the utilization rate is still relatively low. The contributing factors include lack of customer education, lack of integration of investment analytics features, and unoptimized user interface design. Suggested strategies include improving educational features, developing a risk profile-based investment recommendation system, and strategic collaboration between banks and sharia-based fintech platforms. This research is expected to provide theoretical contributions in the development of digital financial services strategies as well as practical contributions for the banking industry in increasing digital-based investment inclusion.
Unraveling the Roots of Employee Turnover Intention at Bank Muamalat: Workload, Compensation, or Lack of Motivation ? Kasprianti, Rista Puji; Mardani, Ronny Malavia; Basalamah , Muhammad Ridwan
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 1 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i1.7082

Abstract

The high rate of employee turnover in the banking sector, including at Bank Muamalat Indonesia in the East Java Region, poses a significant challenge for human resource management. This study aims to examine the effects of workload and compensation on turnover intention, with work motivation as a mediating variable. Utilizing a quantitative approach and an explanatory survey method, data were collected from 105 employees and analyzed using Structural Equation Modeling (SEM) with AMOS. The results reveal that workload has no significant effect on either motivation or turnover intention. This finding suggests that spiritual values and the Islamic organizational culture serve as protective factors in maintaining employee motivation and loyalty. Conversely, compensation has a negative effect on motivation and a positive effect on turnover intention, indicating a mismatch between employees’ perceptions of compensation fairness and their expectations. Furthermore, motivation was found to have a positive effect on turnover intention, suggesting that more motivated employees may have higher career ambitions and are more likely to seek opportunities outside the organization. Path analysis shows that motivation does not mediate the effect of workload on turnover intention but serves as a mediator in the relationship between compensation and turnover intention. These findings underscore the importance of strategic compensation and motivation management in human resource policies, particularly within institutions grounded in Sharia values.
Pengaruh Kepemilikan Asing dan Corporate Governance terhadap Firm Performance yang dimediasi oleh R&D Intensity pada Perusahaan Food and Beverages Wahyuni, Sri; Mardani, Ronny Malavia; Nurhidayah, Nurhidayah
Ekonomis: Journal of Economics and Business Vol 10, No 1 (2026): Maret
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v10i1.2813

Abstract

This study aims to analyze the effect of foreign ownership and corporate governance on firm performance, with R&D intensity as a mediating variable in food and beverage companies listed on the Indonesia Stock Exchange for the 2021–2024 period. This study uses a quantitative approach with secondary data obtained from annual reports and company financial statements, and analyzed using the Structural Equation Modeling (SEM) method based on Partial Least Squares (PLS). The results show that foreign ownership and corporate governance have a significant positive effect on R&D intensity. In addition, foreign ownership has a significant positive effect on firm performance, while corporate governance has no significant direct effect on firm performance. The results of the mediation test indicate that R&D intensity significantly mediates the relationship between foreign ownership and firm performance, but is unable to mediate the relationship between corporate governance and firm performance. This study concludes that R&D intensity acts as a strategic mechanism that strengthens the influence of foreign ownership on improving firm performance, thus providing an empirical contribution in explaining the role of innovation as a link between ownership structure and firm performance in the food and beverage industry listed on the Indonesia Stock Exchange for the 2021–2024 period.
Optimasi Supply Chain Melon Di CV. Panggah Langgeng: Evaluasi Kinerja Berbasis Supply Chain Operations Reference (SCOR) Tyas, Suci Lakuning; Mardani, Ronny Malavia; Rahmawati, Rahmawati
E-JRM : Elektronik Jurnal Riset Manajemen E-JRM : Elektronik Jurnal Riset Manajemen Vol. 15 No. 01
Publisher : UNIVERSITAS ISLAM MALANG

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Abstract Ketidakseimbangan antara permintaan dan ketersediaan produk hortikultura, khususnya melon, menjadi tantangan utama dalam pengelolaan supply chain pertanian . CV. Panggah Langgeng sebagai distributor melon di Kabupaten Malang menghadapi permasalahan berupa keterlambatan pengiriman, ketidakpatuhan petani terhadap standar operasional prosedur (SOP), serta ketidakmampuan memenuhi permintaan pasar secara konsisten. Penelitian ini bertujuan untuk mengidentifikasi alur supply chain serta mengevaluasi kinerja supply chain melon menggunakan model Supply Chain Operations Reference (SCOR). Metode penelitian yang digunakan adalah deskriptif kuantitatif dengan pendekatan studi kasus. Pengukuran kinerja dilakukan berdasarkan lima atribut utama SCOR, yaitu reliability, responsiveness, agility, cost, dan asset management, melalui metrik Perfect Order Fulfillment (POF), Order Fulfillment Cycle Time (OFCT), flexibility, Total Supply Chain Management Cost (TSCMC), dan Cash To Cash Cycle Time (CTCCT). Hasil penelitian menunjukkan bahwa kinerja reliability dan responsiveness berada pada kategori advantage, sedangkan agility dan efisiensi biaya masih memerlukan peningkatan. Penelitian ini memberikan kontribusi empiris terhadap penerapan model SCOR pada sektor pertanian berbasis komunitas lokal serta menghasilkan rekomendasi perbaikan supply chain yang aplikatif. Keywords: Supply chain, SCOR, Kinerja Supply Chain, Melon, Pertanian Hortikultura
Pengaruh Literasi Keuangan, Fear Of Missing Out Dan Ekspektasi Return Terhadap Minat Investasi Saham Pada Mahasiswa Fakultas Ekonomi Dan Bisnis Universitas Islam Malang Angkatan 2022 Rusydani, Maziz; Mardani, Ronny Malavia; Hardaningtyas, Ratna Tri
E-JRM : Elektronik Jurnal Riset Manajemen E-JRM : Elektronik Jurnal Riset Manajemen Vol. 15 No. 01
Publisher : UNIVERSITAS ISLAM MALANG

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Abstract

Abstract This study examines the effect of financial literacy, fear of missing out (FoMO), and return expectation on stock investment interest among students of the Faculty of Economics and Business, Universitas Islam Malang, class of 2022. The research employs a quantitative approach with a survey method. The population consists of FEB UNISMA students from the 2022 cohort enrolled in the Management, Accounting, and Islamic Banking study programs who have received investment-related education through courses such as Digital Investment and the Islamic Capital Market, possess basic investment knowledge, and may or may not have prior investment experience. Simple random sampling was used, resulting in a total of 100 respondents. Data analysis was conducted using multiple linear regression with the assistance of SPSS version 25. The findings reveal that financial literacy, fear of missing out, and return expectation each have a positive and significant influence on students’ interest in stock investment. These results indicate that enhancing financial knowledge, addressing psychological factors, and understanding expected investment returns are crucial in encouraging more rational and sustainable stock investment interest among university students. Keywords: Financial Literacy, Fear Of Missing Out (FoMO), Return Expectation, Stock Investment Interest
Penerapan Balanced Scorecard (BSC) Dalam Pengukuran Kinerja Organisasi Publik (Studi Kasus pada Dinas Perhubungan Kota Malang) Fitria, Sukma Asri; Mardani, Ronny Malavia; Ramadhan, Tri Sugiarti
E-JRM : Elektronik Jurnal Riset Manajemen E-JRM : Elektronik Jurnal Riset Manajemen Vol. 15 No. 01
Publisher : UNIVERSITAS ISLAM MALANG

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Abstract Public organizations are required to demonstrate effective, efficient, and accountable performance in response to increasing public demands for service quality. One comprehensive approach to measuring organizational performance is the Balanced Scorecard (BSC), which integrates four perspectives: financial, customer, internal business process, and learning and growth. This study aims to analyze the implementation of the Balanced Scorecard in measuring the performance of public organizations at the Department of Transportation of Malang City. The research employs a descriptive quantitative approach using a case study method, with a population of 138 civil servants and a sample of 103 respondents. The data consist of primary data collected through employee self-assessment questionnaires and secondary data obtained from financial reports and institutional documents. Data analysis techniques include descriptive statistics and narrative analysis. The results indicate that the performance of the Department of Transportation of Malang City based on the four BSC perspectives is generally categorized as good. The financial perspective reflects relatively economical budget management, while the customer, internal business process, and learning and growth perspectives support the implementation of public services. Overall, the Balanced Scorecard provides a comprehensive overview of organizational performance in the public sector. Keywords: Balanced Scorecard; Public Organizational Performance; Performance Measurement; Department of Transportation.
Co-Authors Abd. Wafi Abdul Majid Abdul Majid Abdullah Syakur Novianto Abidin, Zeinal ABS, M Khoirul Ach Taufiqur Rohman Achmad Agus Priyono Adnan Abdul Khobir Afi Rachmat Slamet Agus Salim Agus Salim Ahmad Rifai Ainun Ulumiah Nursa Aisyah, Widya Nur Al- mar’atus Sholikhah Aleria Irma Hatneny Alfian Budi Primanto Alif Adi Prasetyawan Alifia Nuraini Alitakupenda, Dwitaria Alvin Hidayatullah Amanah, Firnandya Amelia Monica Ningrum Amin, Muhammad Sirojuddin Aminatun Nasukha Aminatuz Zuhriyah Aminuyati Amiril Mustofa Ana Indriyani Ana Roikhatul Zannah Anak Agung Gede Sugianthara Anan, Nurun Nadiva Salsabila Andi Normaladewi Anggraeni, Dwi Adela Anggraini, Tasya Meylina Ari Anita Laelatul Khomsatun Any Tafriha Ferriyanti Aprilianto Aprilianto Aprillia Nur Choiriah Arini Fitria Mustapita Arsyianto, M. Tody Asih Masita Asmiyati Atapuka Auliyah Palupi Putri Indra Sari Ayu Trisnawati Ayu Yossita Candra Octaviana Ayu Yulita Putri Ayunani, Sabrina Azizah, Nur Rosyda Dhiya’ul Azizah, Umul Balqish, Alya Tamara Basalamah , Muhammad Ridwan Bastomi, Mohamad Bastomi, Mohammad Bayu, Juli Adriano Budi Wahono Celmia Celmia Chika Deva Ciptadi Cicik Marianti Citra Damayani Prayogiyanto Citra Nurul Hidayati Danang Laksono Deasy Dwi Komaini Deby Nofianti Pratiwi DEVI TRIANINGSIH Dewi Cahya Putri Dewi Nurhidayah Diah Wahyuning Tyas Diajeng Kusuma Wardani Dian Aulia Fitri Dian Savitri Dinda Nur Afifah Distha Anggrainingrum Dwi Agustina Ega Aditya Eka Indah Wahyu Eka Wahyu Ningrum Ekiq Arifaturini Elfina Rahmania Elysa Anggun Fradini Endah Setya Rahayu Erin Mastura Erindia Cember Eris Dianawati Esti Dewi Purwati Etty Saraswati Eva Susanti Eva Zulaikha Fahimatuz Zainul Laila Fahma Lintang Nabila Fahmi Faizal Izmy Fahrurrozi Rahman Fairoh Aida Qothrun Nada Fajjar Mustofa Farah Zairina Faris Fardani FATIMAH FATIMAH Fatimatuz Zahro Fatmawati, Yenni Diah Fatus All Anati Fauziyatul Uffah Fayi’ Hilmy Musyafiq Febbyola, Risa Febriani, Rezki Febi Filzah Gaissani Fina Hikmatul Insaniyah Fiona Putri Dyah Pancari Fita Dwi Hariyati Fitri Anggriani Fitria, Sukma Asri Fitriani, Nur Afika Gandung Fitra Pambudi Griselda Putri Vania Florence Hafidzul Ulum Halimah, Faridatul Hanik Latifah Helma Rizqikah Amir Hendra Bagus Yulipratama Himmatussuhra Himmatussuhra Ida Ardila Syafitri Rumain Iin Cahyaningsih Ike Nur Wahyuni Ike Wulandari Ilham Wahyudiarso Indah Handayani Indah Ramadhani Irma Lina Fadila Husna Putri Isa Agid Wibisana Ita Athia Izhatul Ulia Izzatin Nayli Jannah, Shofiratul Josi Eka Ariyani Kasprianti, Rista Puji Khalikussabir, Khalikussabir Khoirul Anam Khurrotun Nisa’ Krismala Fadrila Kuswatun Hasanah Lailatus Sofiah Laksono, Felicia Averina Laurensia Laras Noviyanti Larisa Dea Chatira Lestari, Siswi Muji Lika Handayani Liskan Kirana Lufi Khomsiatin Nulhaniya Lujeng Indra Prayugi Lukluatul Fadillah M Agus Salim M, Tiara Nur M. Agus Salim M. Fakhry Iskhaq M. Farchan Fuadi M. Hufron M. Khoirul Anwarodin Broto S M. Syaifudin Zuhri M. Umar Izzul Chaq Manis Syahedeh Mar’ah Qonitatillah Masriyani Masriyani Maya Dewi Suprobo Millaningtyas, Restu Mitra Kartini Moch Kukuh Widyatmoko Mochamad Yuhdi Atoillah Mochammad Handika Setiawan Moh Hairul Anam Moh Lutf Moh Sofiyanto Mohamad Fathanudin Abas Mohammad Arif Efendi Mohammad Faisol Efendi Mohammad Rizal Muallifa Muallifa Mudrikah Mudrikah Muhammad Adam Yusuf MUHAMMAD AGUS SALIM Muhlis Muhlis Mursalina Mursalina Nadirotul Hasanah Nanda Diah Ayu Nurmindasari Naning Adindah Putri Nela Rahayuni Neni Elfina Ngatiningsih, Tuti Khoiriyah Nifta Asfidza Alma Nihayah Saefil Ikhsan Nike Anggita Prima Nilna Izza Amalia Nindi Aulia Riadi Nindy Wulandari Ningrum, Niken Widya Nining Tsamratul Hasanah Nizam, Muhammad Sahrun Noer Fadhilah Rahman Nor Laili Roudotul Janah Nova Istiqomah Nova Suci Indrawati Nur Aniseh Nur Haslinda Nur Kamilah Nur Mahfudh Febriansyah Nuratul Amaliah Nurfarida Nurfarida Nurhidayah Nurhidayah Nurhidayah Nurhidayah Nurhidayah Nurul Afifah Fasbiyanti Nurul Khoirini Nuryanita Rusiah Oktaningrum, Indarti Indah Olla Fathimatuz Zahro Permata Irmin Seriyarini Pipit Larasati Pratista, Ilham Pratiwi, Cantika Puspa Puguh Roni Prastowo Putra, Arif Rahman Surya Putri Ayu Khoriah Putri Dinda Erika Rachman, Fahmia Nur Fitria Rahmawati Rahmawati Rahmawati, Rahmawati Ramadhan, Tri Sugiarti Raras Nur Fitiah Ratna Tri Hardaningtyas, Ratna Tri Rawiyatul Hasana Reni Evaluki Rennia Sofi Dia Anugra Heni Rico Adi Suwardianto Rifa Ariana Ningtyas Rif’atul Himmah Rif’atul Inayati Rina Wulan Novianti Risa Dewi Yanti Aceh Risna Faulia Rita Lia Novita Rizalatul Isa Rizka Nur Fittriana Rizky Adhyvian Rohma, Hindun Miftakhur Rosmah Sholichah Rovita Tri Rezeki Rusydani, Maziz Safitri Safitri Saiful Anwari Salsabillah, Via Amelya Saraswati, Ety Sembiring, Rinawati Septi Ning Tyas Septia Anggi Saputri Shafaratin Nurul Hasanah Shela Karlina Devi Shilvie Damayanti Lestari Shofi Eka Khairunnisa Silvia Sahara Sindi Ristanti Sinta Mayyukha Sintia Ifadatul Aulia Fatra Sintia Novita Sari Siti Kusmawati Siti Masula Siti Nur Laelatul Rohmah Siti Sara Ilham Siti Suhaebah Siti Uswatun Khasanah SOFIYULLAH SOFIYULLAH Sovi Devianita Sari Sri Puspa Nurhayati Sri Wahyuni Sulton Sholehuddin, Sulton SUTRA Aji NINGTYAS Syamsiar, Syamsiar Teddy Kurnia Dwi Anggoro Kusumo D Therito Akbar Firmansyah Tyas, Suci Lakuning Ubaid Choiri Ubaidullah Ubaidullah Uswatun Khusnah Vachriyanti, Asma’ul Noer Veni Rikusita Vika Septirini Viqi Hendro Fahtoni Vivi Noviyanti Wahdah Lutfiana Arinta Wahyudi Kurniawan Weni Afrilliansyah Winda Irawati Wiwin Rafida Wajapa Yahsyallah Yenniria Nurhaidah Yeritama, Risma Yogi Adetya Kurniawan Yudi Purnomo Yulitasari Mila Dewi Zahro, Handini Nur Chameli Atuz Zahrotun Nisa Zainul Fikri Zidan, Moh Izzad Kamal Zila Nurdila Hafidzah Zulkarnain Zulkarnain