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All Journal Jurnal Manajemen dan Bisnis (Performa) KEUNIS Fokus Ekonomi Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Jurnal Kewirausahaan, Akuntansi, dan Manajemen TRI BISNIS Journal of Islamic enterpreneurship and Management International Journal of Management and Digital Business ABDIANDAYA : Jurnal Pengabdian dan Pemberdayaan Masyarakat
Dhoni Rizky Widya Mardika
Sekolah Tinggi Ilmu Ekonomi YPPI
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Library & Information Science Social Sciences

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Mobile Banking Adoption In Emerging Countries: The Role Of Customer Demographic Characteristics Dhoni Rizky Widya Mardika
Jurnal Manajemen Bisnis Performa Vol 19, No 1 (2022)
Publisher : Universitas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/performa.v19i01.9718

Abstract

Tujuan penelitian ini untuk mengisi research gap tersebut dan menguji apakah terdapat pengaruh usia, responden yang bekerja dan pendidikan berpengaruh terhadap adoposi mobile banking. Penelitian ini menggunakan metode logistic regression untuk menguji pengaruh usia, responden yang bekerja dan pendidikan terhadap adopsi mobile banking. Kami menggunakan data Global Financial Inclusion Database. Kami berfokus mengambil responden dari negara emerging countries yaitu Albania, Argentina, Bangladesh, Brazil, Chile, Ecuador, Egypt, Ethiopia, Ghana, Guatemala, Honduras, India, Indonesia, Jordan, Kenya, Malawi, Malaysia, Morocco, Mozambique, Namibia, Nigeria, Pakistan, Panama, Peru, Philippines, Romania, Senegal, Tanzania, Thailand, Venezuela, Vietnam, dan Zambia, total jumlah sampel adalah 16.421 responden. Hasil penelitian ini memberikan kontribusi kepada pihak perbankan di negara – negara emerging countries bahwa ada baiknya jika ingin meningkatkan adopsi mobile banking untuk lebih berfokus pada nasabah yang usianya lebih muda, nasabah yang bekerja dan nasabah yang memiliki pendidikan tinggi. Penelitian ini memberikan pengetahuan berharga tentang hubungan pengaruh usia, responden yang bekerja dan pendidikan terhadap adopsi mobile banking yang selama ini belum dilakukan dengan memasukkan berbagai negara dalam suatu analisis.
Determinant of Financial Management Behavior: Evidence From MSMES Gen-Z Infante, Yusnita Octafilia Th. A. Y.; Mardika, Dhoni Rizky Widya
International Journal of Management and Digital Business Vol. 3 No. 1 (2024)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/ijmdb.v3i1.943

Abstract

Gen-Z is a contemporary generation characterized by a proclivity for modern thinking. The scale of the modernization trend can distance Gen-Z from a thrifty way of managing their finances. Understanding the determinants that can enhance the quality of financial management among individuals belonging to the Gen-Z demographic is crucial. The objective of this study is to investigate the impact of financial knowledge, personality factors, and locus of control on financial management behavior. The study specifically examined Micro, Small, and Medium Enterprises (MSMEs) owned by individuals from the Gen-Z generation in Salatiga. The study's sample size comprised 257 respondents. The data-gathering approach utilized in this inquiry was the use of a questionnaire. The study used the statistical method of multiple linear regression analysis. The results of this study indicate that individuals' financial management behaviour is significantly and positively influenced by their financial knowledge, personality attributes, and locus of control. These findings suggest that MSMEs should improve their understanding of financial matters, develop positive personal qualities, and cultivate a strong sense of accountability to accomplish successful financial management. MSMEs gen-z implementing effective financial management techniques are expected to demonstrate improved corporate management capabilities.
Niat Menggunakan Pinjaman Online Di Kalangan Mahasiswa: Apakah Emosi Juga Berpengaruh? Mardika, Dhoni Rizky Widya; Isdiati, Erni Harlina; Gunawati, Iva Sofi; Triyono, Bambang
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 8 No 1 (2025): Artikel Riset Januari 2025
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v8i1.1854

Abstract

Penelitian ini bertujuan untuk menyelidiki dampak sikap, norma subjektif, kontrol perilaku persepsi, dan emosi terhadap niat untuk memanfaatkan pinjaman online, serta pengaruh niat terhadap perilaku penggunaan pinjaman online di kalangan mahasiswa. Ukuran sampel untuk penelitian ini terdiri dari 180 siswa dari berbagai perguruan tinggi di Kota Salatiga. Temuan menunjukkan bahwa sikap, norma subjektif, dan kontrol perilaku persepsi dan emosional berdampak positif pada niat siswa untuk memanfaatkan pinjaman online. Selain itu, niat juga dapat meningkatkan kecenderungan untuk terlibat dalam perilaku pinjaman online. Kontribusi studi ini dapat digunakan untuk meningkatkan model penelitian dengan mengintegrasikan komponen emosional, menghasilkan kerangka kerja yang lebih komprehensif. Selain itu, penelitian ini berfungsi sebagai sumber daya yang berharga bagi pemerintah untuk memberikan panduan keuangan tentang online lending melalui konseling keuangan berbasis emosional.
PEMBERDAYAAN “SERAYU CATERING” MELALUI STRATEGI PEMASARAN VISUAL UNTUK MENINGKATKAN DAYA SAING Zulfadya Nur Rohmah; Mely Fitryani; Dea Amelia Putri; Dhoni Rizky Widya Mardika
Abdimas IAI Ngawi Vol 3 No 2 (2025): ABDIANDAYA: Jurnal Pengabdian dan Pemberdayaan Masyarakat
Publisher : LP2M Institut Agama Islam Ngawi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/abdiandaya.v3i2.2380

Abstract

This community service examines the increase in marketing for Micro, Small, and Medium Enterprises (MSMEs) "Serayu Catering" in Rembang Regency. Marketing is important to increase competitiveness. However, MSMEs face several challenges in their implementation because they do not implement marketing effectively. Using a qualitative approach and case studies, this devotion found several effective visual marketing strategies, including putting up banners, creating business cards, creating logos, creating invoices, and stamping. These five strategies not only improve business professionalism, but also help strengthen brand identity and expand market reach. The results of the service show that a simple but consistent approach to marketing can have a real impact on increasing customer trust and operational effectiveness. Therefore, similar programs need to be expanded so that more MSMEs in the regions can benefit from targeted and applicable marketing. Keywords: Visual Marketing, MSMEs, Serayu Catering   Abstrak: Pengabdian masyarakat ini mengkaji tentang peningkatan pemasaran bagi Usaha Mikro, Kecil, dan Menengah (UMKM) “Serayu Catering” di Kabupaten Rembang. Pemasaran penting untuk meningkatkan daya saing. Namun, UMKM menghadapi beberapa tantangan dalam penerapannya karena kurang menerapkan pemasaran secara efektif. Dengan menggunakan pendekatan kualitatif dan studi kasus, pengabdian ini menemukan beberapa strategi pemasaran visual yang efektif, termasuk memasang banner, membuat kartu nama, pembuatan logo, pembuatan invoice, dan stempel. Kelima strategi tersebut tidak hanya meningkatkan profesionalitas usaha, tetapi juga membantu memperkuat identitas merek dan memperluas jangkauan pasar. Hasil pengabdian menunjukkan bahwa pendekatan sederhana namun konsisten dalam pemasaran mampu memberikan dampak nyata terhadap peningkatan kepercayaan pelanggan dan efektivitas operasional. Oleh karena itu, program serupa perlu diperluas agar lebih banyak UMKM di daerah dapat merasakan manfaat dari pemasaran yang terarah dan aplikatif. Kata Kunci: Pemasaran Visual, UMKM, Serayu Catering
Financial Literacy and Financial Self-Efficacy to Improve Financial Bootstrapping and business performance Mardika, Dhoni Rizky Widya; Listiani, Nur; Amalia, Farah
JURNAL KEWIRAUSAHAAN, AKUNTANSI DAN MANAJEMEN TRI BISNIS Vol 7 No 1a (2025): Jurnal Kewirausahaan, Akuntansi, dan Manajemen (Special Issue)
Publisher : STIE Tri Bhakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59806/jkamtb.v7i1a.613

Abstract

Analyzing the impact of financial self-efficacy and financial literacy on financial bootstrapping is the aim of this study. Additionally, this study looked at how financial bootstrapping affected the performance of businesses. The importance of financial bootstrapping as a tactic to be used in circumstances where capital is limited is clarified by this study for MSME. MSMEs are expected to need to increase their financial self-efficacy and financial literacy in order to improve financial bootstrapping. Purposive sampling methods were employed to collect data from MSME in Indonesia's Central Java Province. A total of 520 samples were tested using structural equation modeling. Financial bootstrapping is positively and statistically significantly impacted by financial self-efficacy and financial literacy. Business performance is significantly and favorably impacted by financial bootstrapping. Given the narrow focus of this study, it is conceivable that the limited economic circumstances of each micro, small, and medium-sized business (MSME) may make the use of financial bootstrapping difficult in other situations. To sustain positive business performance in the early phases of their venture, entrepreneurs may use financial bootstrapping strategies. The organization needs to improve financial self-efficacy and financial literacy in order to make financial bootstrapping easier to implement. The government might raise awareness of the importance of financial management and provide financial literacy training to encourage efficient financial management. Several studies have looked into how financial bootstrapping affects business performance and have found that it can have a favorable effect on a company's success. Nevertheless, no study has been done to look at the variables that could influence financial bootstrapping. The conclusion of this study is that the higher the financial literacy and self-efficacy, the more financial bootstrapping increases, besides that financial bootstrapping can improve business performance.
ACCESS TO FINANCE AND THE BEHAVIOR OF USING BANK CREDIT: EVIDENCE FROM MICRO, SMALL AND MEDIUM ENTERPRISES (MSMES) Mardika, Dhoni Rizky Widya
Journal of Islamic enterpreneurship and Management Vol 1, No 2 (2021): JIEM: Journal of Islamic Enterpreneurship and Management
Publisher : UIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/jiem.v1i2.1-11

Abstract

The purpose of this study is to prove the role of financial access in improving the behavior of using bank credit with the intention of using bank credit as a mediator. A sample of 150 respondents used a purposive sampling technique. The data analysis technique used is SEM-PLS. The results of the financial access have a significant and positive effect intention of using bank credit. The intention of using bank credit also has a significant and positive impact on behavior of using bank credit. However, access to finance does not directly or indirectly affect the behavior of using bank credit. This research is useful for the government and banks in managing strategies to increase the use of bank credit for MSMEs.
ISLAMIC FINANCIAL LITERACY, ISLAMIC FINANCIAL INCLUSIVENESS, AND RELIGIOSITY INCREASE THE INTENTION TO SAVE IN SHARIA BANKS Listiani, Nur; Mardika, Dhoni Rizky Widya; Tahwin, Muhammad
Fokus Ekonomi : Jurnal Ilmiah Ekonomi Vol 20, No 2 (2025): December 2025
Publisher : STIE Pelita Nusantara Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34152/fe.20.2.188-195

Abstract

The inclination to save in Islamic banks indicates the public's acceptance and utilization of Islamic banking savings products. Comprehending the determinants affecting this purpose is crucial for Islamic banks to formulate tactics that promote increased engagement. This study examines the impact of Islamic Financial Literacy (IFL), Islamic Financial Inclusiveness (IFI), and religiosity on students' intentions to save in Islamic banks. The study sample consists of persons who have completed courses in Islamic banking, and the data were analyzed using multiple linear regression techniques. The findings demonstrate that IFL, IFI, and religiosity each have a substantial and affirmative impact on the intention to save in Islamic banks. The findings indicate that Islamic banks ought to intensify initiatives to elevate financial literacy, broaden financial inclusivity, and promote religiosity among prospective clients, thus augmenting the use of Islamic banking products and allowing a greater number of individuals to derive benefits from them.
The Effect of Discouraged Borrowers on Business Sustainability Through Financial Bootstrapping and Financial Inclusion (Study of Creative Entrepreneurs in Startup Phase) Mardika, Dhoni Rizky Widya; Listiani, Nur
KEUNIS Vol. 14 No. 1 (2026): JANUARY 2026
Publisher : Finance and Banking Program, Accounting Department, Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32497/keunis.v14i1.6783

Abstract

This quantitative study aims to examine the effects of discouraged borrowers on financial bootstrapping and financial inclusion, as well as how they affect business performance and business sustainability among startup creative economy entrepreneurs. Data were gathered from innovative MSME participants and analyzed using the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method. The results indicate that the hesitance of business stakeholders to pursue formal funding substantially promotes the use of bootstrapping techniques, while concurrently diminishing the level of financial inclusion. Moreover, both financial bootstrapping and financial inclusion positively influence business performance, thereby enhancing business sustainability. These findings highlight the significance of alternative funding techniques and participation in the formal financial system in encouraging small enterprises’ growth and resilience. Policy implications necessitate enhancing financial bootstrapping, providing management support, and streamlining access to financial services to promote firm autonomy and sustainability.
Co-Authors Amalia, Farah Dea Amelia Putri Gunawati, Iva Sofi Infante, Yusnita Octafilia Th. A. Y. Isdiati, Erni Harlina Listiani, Nur Mely Fitryani Muhammad Tahwin Triyono, Bambang Zulfadya Nur Rohmah