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Siti Mujanah

Fakultas Ekonomi Dan Bisnis, Universitas 17 Agustus 1945 Surabaya

Author-ID : 323815

Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Neuroscience Physics Public Health Social Sciences Other

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Digital Modern Financial Systems In The Perspective of Cyber Risk Management : A Structural Equation Modelling Approach Lisnawaty, Lisnawaty; Mujanah, Siti; Fianto, Achmad Yanu Alif
Rekayasa Vol 18, No 3: Desember, 2025
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/rekayasa.v18i3.31765

The rapid digitalization of financial systems has amplified exposure to cyber risks, posing substantial threats to institutional performance and systemic stability. This study investigates how Cyber Risk Management (CRM) strengthens Financial System Resilience (FSR), both directly and indirectly, through Regulatory Compliance (RC) and Technological Safeguards (TS). Using Structural Equation Modelling (SEM) with simulated survey data (n = 200), the findings reveal that CRM has a strong direct effect on FSR (β = 0.41, p 0.001) and significant indirect effects via RC (β = 0.07, 95% CI [0.02–0.12]) and TS (β = 0.14, 95% CI [0.08–0.20]). The overall model demonstrates robust explanatory power (R² = 0.65), confirming that 65% of financial system resilience is explained by CRM, RC, and TS. These results validate a multi-layered framework in which governance, compliance, and technology jointly enhance systemic resilience. The study contributes theoretically by integrating cyber risk management with resilience theory, and practically by offering a model for policymakers and financial institutions to design more adaptive, secure, and technology-driven financial ecosystems in the digital era.

The Impact of Fintech on Financial Inclusion in Emerging Economy of Major Cities in Indonesia Ernawaty, Lisa; Mujanah, Siti; Fianto, Achmad Yanu Alif
Rekayasa Vol 18, No 3: Desember, 2025
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/rekayasa.v18i3.31933

This study investigates the impact of financial technology (FinTech) adoption on financial inclusion in emerging economies using Structural Equation Modeling–Partial Least Squares (SEM-PLS). Data were collected through a survey of 450 respondents from three emerging city (Surabaya, Makassar, and Medan) to measure the relationships among FinTech accessibility, financial literacy, trust in digital platforms, and financial inclusion. The measurement model showed good reliability and validity, with Cronbach’s Alpha ranging from 0.84 to 0.90 and Average Variance Extracted (AVE) above 0.60. Structural model results indicated that FinTech accessibility (β = 0.35, p 0.01) and financial literacy (β = 0.29, p 0.01) have significant positive effects on financial inclusion. Trust in FinTech platforms also contributed positively (β = 0.21, p 0.05) and acted as a mediator between FinTech accessibility and financial inclusion (indirect β = 0.11, p 0.05). The model explained 62% of the variance in financial inclusion (R² = 0.62), suggesting strong explanatory power. These findings confirm that FinTech innovations not only improve access to financial services but also enhance their effective use when combined with higher trust and literacy levels. The study contributes to the digital finance literature and provides practical recommendations for policymakers to promote inclusive growth.

Co-Authors - Hwihanus A Triartomo Abdianto, Ahmad Abdul Halik Abdul Halik Abdul Halik Abdul Malik Abdul Rauf Abellia Permatasari Abiantoro, Bayu Achma Yanu Alif Fianto Achmad Maqsudi Achmad Maqsudi Achmad Yanu Alif Fiyanto Achmad Yanu Aliffianto Achmad Yanu Alifianto Adam Maulana Adam Maulana Adinda Jennifer P Agtovia Frimayasa, Agtovia Agung Harikusuma Nugroho Agus Agus Agus Pawitra Agus, Taufiq Ahmad Mudabbir Pencalang Ahmad, Nursaadatun Nisak Ainiyah Aprelianingrum Aldi, Mukhamad Fauzan Alif Fianto , Achmad Yanu Alif Kurniawan Wiratama Alif, Achmad Yanu Alvian Jihad Amalia Wahyuni Amelia Kusniawati Amiartuti Kusmaningtyas Amin Sadiqin Andi Ernanti Wahyuni Oktaviana Anggraini, Leny Susilawati Anggun Wida Prawira Anindya Prastiwi Setiawati Annisa Kaffi Anton Respati Pamungkas Anugerah Aldiandra Kusuma Anzeala, Sheisa Aprilia, Fina Araujo, Delia Iria Magno de Ardiana, I .D. Ketut Raka Arif Hartadi Ario Bagus Nugroho Asbari Nurpatria Kristin Asis Riyanto Awwalunisa Aprilia Wijaya Ayuwangi, Bunga Azel Naufal Bahri, Salmi Yuniar Bayu Abiantoro Bela Septiana Benny Agus Setiono Bilad, Dava Imadul Bin Azam, Yusof Saqafi Binar Dwiyanto Pamungkas, Binar Dwiyanto Bradford, Snyder Budhi Hartanto Cahyani, Regita Candraningrat, Candraningrat Careen Adhania Kautsar Chilmaniya Baril Haq Cipnal Muchip M Cloudya, Afifah Darmayanto Darmayanto Darmayanto, Darmayanto DARYONO Dassucik, Dassucik De Partho, Alviano Dearani, Ninka Dedi Junaedi Deetje W. Manuain Desi Desi Dewi Nurhayati Dewi Nurhayati Diana Mukhbitah Sary Dimas Syahid Muzakky Diyah Maharani Djumaiyah Djumaiyah Dodi Putra Purnama Dody Hartono dan Ramayanto Donny Melianto Donny Melianto Duvan Samudra Laisoka Dwi Nugroho, Septian Dwi Yana Rahmawati Edden, Hatta Mayda Nur Edi Gunawan Effendy Gunardi Eka Putri Prinanda Nitte Eka Safitri Ekbal Santoso El Shaddai Putri Octavia Elly Karmeli Elsy Margaritha Prastisye Rihi Enisa Tunggal Dewi Ericha Fitrianingsih Ermayanti, Dian Ernawaty, Lisa Ervina Ervina Erwan Khanissuma Esti Sumirat Faiza, Garwa Fajar Wicaksono Fandi Pratama Putra Febrian Dimas J. Wibowo Febrianti, Reni Febrianto, Gustaf Naufan Feridotum Asmataini Fianto , Ahmad Yanu Alif Fianto, Achmmad Yanu Alif Fina Aprilia Fiorentino, Kevin Fitri Purwanto Fitrianingsih, Ericha Fransiska Saferia Moi Gaeldeba Garaika Gatot Sargiman Gatronado Garaika Ghora Wisnu Samudra Gilbert Billy Rivaldo Matahurila Hamlatul Arsy, Awlya Handayani, Trisna Duwi Hanjaya, Yahya Kurnia Hapsa Usman Harjo Seputro, Harjo Hartadi, Arif Hartono Hartono Hartono, Rakhmad Sugih I Dewa Ketut Raka Ardiana I Made Suparta I.D. Ketut Ardiana Ibnu Nafi’ Ahmad Ida Aju Brahma Ratih Ida Aju Brahmasari Ida Ayu Brahmasari Ida Ayu Brahmasari Imam Indriyana Widyastuti Isfandi Ibrahim Isnawiyah Isnawiyah Iwan Setiawan Jainuddin, Jainuddin Jumri KARIMAH, NURUL Karyono Karyono Kautsar, Careen Adhania Kevin Fiorentino Khairunnisah, Noni Antika Kristin, Asbari Nurpatria Kun Ismawati Kun Muhammad Adi Kurnadi Kurniawan, Mateus Andhi Kusuma Wijaya Kusuma, Anugerah Aldiandra Kusumaningrum, Sari Dewi Kusumaningtyas, Amiartuti Lau Go’o, Maria Alni Layalia, Aghnia Lilik Faiqotul Himmah Lionardo, Erik Lis Mintarti Lisnawaty Lisnawaty, Lisnawaty Lokajaya, Nyoman Lusiana, Wiwit M Shoim Machsun Machsun Made Suparta Maulaningrum, Pristiya Mayang Viodita Moch Irsyad Ainur Rafi Mochamad Aziz Mochamad Bagus Setiyawan Mochammad Sihab Ridwan Moh Argy Hariran H Moh. Rifaizal Lahmudin Moh. Riskiyadi Moi, Fransiska Saferia Mona Karina Muhamad Nafi' Asrori Muhammad Burhanuddin Thobari Muhammad Husain Muhammad Nizar Firmansyah Muhammad Supriyanto Mujiono Pangestu Alam Nabila, Alifia Salma Naisya Nur Karimah Nanda Pinandita Ramadhani Nanis Susanti Naufal, Azel Ningrum Desy Arisandi Nisak Achmad, Nursaadaatun Nisak, Solihatun Nitte, Eka Putri Prinanda Nonce Farida Tuati Noranee, Shereen Novi Kurniawati Nugroho, Ario Bagus Nugroho, Mulyanto Nur Azizah Nur Rahmad Alfin Mustaqim Nur Shabrina, Alisa Nuradi Mulya Razaq Nurul Karimah Ogya Aryasatya Oksatana, Miga Okta Antika Prasetiya Oktavia Nor, Erika Olivia Sintia Tokan Paramitha, Intan Tirzana Pasaribu, Betsy Tiurma Phitaloka, Nimas Galuh Pipit Fadilatul Fitri Pramana, Agus Pawitra Widya Pratama, Raditya Yuniar Alfani Prawira, Anggun Wida Pristiana, Ulfi Pristiya Maulaningrum Puspita, Vida Indira Puspitasari, Kiki Puput Putera, Muhammad Tommy Fimi Putra, Rizky Daniar Syah Putri, Fauziah Fidaroini Putro, Tri Akhmil Bintoro Rahmawati, Dwi Yana Ramadhani, Muhammad Harits Zidni Khatib Ramdan Rasyidi, Ahmad Hafas Ratna Putri Wulandari Ratna Putri Wulandari Ratnaningsih Sri Yustini Ratnaningsih Yustini Regita Cahyani Regita Octavia Ridwan, M. Sihab Rika Puspita Rini Rina Sandora Risma Titania Andriani Riyadi Nugroho Riyanto, Asis Robertus Hari Susilo Romaji RR. Ella Evrita Hestiandari Rudi Santoso Sagung Ayu Dwianjani Trisna Indraswari Salam, Nurus Salihi, Said Saleh Saputra Hadiwinarto SATRIYAS ILYAS Septia Kurrota Aini Seto Wahyu Prasetyo Siswati, Ayu Siti Nurul Aini Snyder Bradford Soegeng, Irwin Sukrisno Soelistyawati Soelistyawati Sri Andayani Sri Andayani Suci Harira Sari Hatuina Sudiyarti, Nining Sufatmi, Sufatmi Sugiarti, Riski Suhardi Suhardi Suhardi Suhardi Sukriyadi, Sukriyadi Sulistyowati, Tussi Sumiati Sumiati Sumiati Sumiati Sumiati Sumiati Sumiati Sunarya, herni Susana K. Alfons Suwarno Suwarno Syah Putra, Rizky Daniar Syahputra, Dicky Tamara Eka Tri Rahmadhani Tan Evan Tandiyono Taufiq Urohman Taufiqur Rachman Thobari, Muhammad Burhanuddin Titin Wahyuni Tjahjo Purtomo Tri Andjarwati Tri Ratnawati Tri Ratnawati Tri Ratnawati Tri Ratnawati Ulfi Pristiana Ulumiddin Urohman, Taufiq Uswatun Hasanah Utomo, Ekwan Setyo Valdo Hana Primasatria Viando, Feterrido Wahyu Wibowo, Bima Ardiyanto Winda Dwi Octavia Wiratama, Alif Kurniawan Wiwik Handayani Wiwik Retnaningsih Wiwit Lusiana Ximenes, Elias Yoni Evan Pratama Yuliar Kartika Yuliar Kartika Yulijantik, Yulijantik Zaenal Arifin Zainul Arifin Zubastian Rachman Zuono, Trida Trisno

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