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All Journal Jurnal Ilmiah Ekonomi Islam Jurnal Tabarru': Islamic Banking and Finance JESI (Jurnal Ekonomi Syariah Indonesia) Indonesian Journal of Business Intelligence (IJUBI) Aghniya: Jurnal Ekonomi Islam JCOMENT (Journal of Community Empowerment) Nusantara Islamic Economic Journal Jurnal Keuangan dan Akuntansi Terapan (KUAT) Margin : Jurnal Bisnis Islam dan Perbankan Syariah Journal of Economics and Social Sciences Bangun Desa : Jurnal Pengabdian Masyarakat
Ragil Satria Wicaksana
Universitas Alma Ata
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Immunology & microbiology Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Nursing Public Health Social Sciences Other

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Financial Well-Being Stratification among Urban Households: A Multinomial Logit Analysis of Digital Payments, Saving Behavior, and Credit Access Dhidhin Noer Ady Rahmanto; Ragil Satria Wicaksana; Ratih Purbowisanti
Journal of Economics and Social Sciences (JESS) Vol. 5 No. 1 (2026): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.1323

Abstract

Rising global economic uncertainty in the aftermath of the COVID-19 pandemic has underscored the importance of household financial well-being (FWB) as a key pillar of economic resilience, particularly in urban settings. This study analyzes how digital payment adoption, saving behavior, and access to credit contribute to the stratification of FWB among urban households in Indonesia. The analysis uses microdata from the 2017 Survey on Financial Inclusion and Access (SOFIA), focusing on a sub-sample of 2,368 urban households aged 19–40 years across four provinces. FWB is constructed as an ordered categorical variable with four levels Low, Medium, High, and Very High based on multiple indicators of financial capability and access. A multinomial logit model is employed, with results interpreted using Average Marginal Effects (AMEs). The findings indicate that regular saving behavior and access to formal credit are the most consistent determinants of upward mobility across FWB categories. Regular saving significantly reduces the likelihood of being in the Low and Medium FWB categories and substantially increases the probability of attaining High FWB. Access to credit strongly increases the likelihood of reaching the Very High FWB category. The results suggest that financial inclusion in urban contexts should be understood as a combination of disciplined financial behavior and deeper engagement with formal financial services
PENGEMBANGAN APLIKASI ADIBA MSME SEBAGAI PENGHUBUNG LEMBAGA KEUANGAN SYARIAH DENGAN USAHA MIKRO KECIL MENENGAH Dhina Puspasari Wijaya; Dadang Heksaputra; Ragil Satria Wicaksana; Deden Hardan Gautama
Indonesian Journal of Business Intelligence (IJUBI) Vol 2 No 2 (2019): Indonesian Journal of Business Intelligence (IJUBI)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21927/ijubi.v2i2.1122

Abstract

Islamic banking is one of the icons or representations of Islamic Financial Institutions in Indonesia. Problems around Islamic finance are still a hot topic of discussion. Public participation in the use of financial services is an essential issue on the policy agenda of some developing countries that have underdeveloped banking and commercial systems and often only want to serve high-income customers or large companies, because uneven distribution of financial services will hamper the growth and development of a number of small businesses and poor families. Head of the Sharia Banking Department Ahmad Soekro Tratmono explained that the empirical evidence of the stigma was manifested by the fixed position of the market share of Islamic banking in Indonesia, which from 1992 until now did not exceed the 5 percent limit. Efforts to increase market share in Islamic financial institutions by using information technology. ADIBA MSME is a technology application that aims to map the distribution of the closest LKS institutions that can be accessed by Micro, Small, and Medium Enterprises (MSMEs) entrepreneurs. The existence of ADIBA MSME is expected to be a surefire solution in creating connectivity (Link and Match) between business actors and LKS so that the mobilization of LKS funds becomes more productive, effective, and efficient. With the use of ADIBA MSME technology, it can become an accelerator of regional economic growth through the utilization of Islamic financial literacy so that the use of ADIBA MSME can increase the market share of Islamic financial institutions.
PENGGUNAAN DAN NIAT PERILAKU MENGGUNAKAN SISTEM INFORMASI DESA DI ANTARA PEMERINTAH KALURAHAN MURTIGADING DENGAN PENDEKATAN MODEL UTAUT-2 Dadang Heksaputra; Ragil Satria Wicaksana; Dhina Puspasari Wijaya; Vega Lavenia; Akbar Nur Rizqi
Indonesian Journal of Business Intelligence (IJUBI) Vol 7 No 2 (2024): Indonesian Journal of Business Intelligence (IJUBI)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21927/ijubi.v7i2.4817

Abstract

The village information system has experienced significant growth, but research focusing on user adoption behavior in the Kalurahan Murtigading government area remains limited. Additionally, most studies use a single theoretical framework to explore this behavior. Addressing this gap, this study applies the UTAUT-2 framework to analyze the key factors influencing behavioral intention to use the village information system among the Kalurahan Murtigading government, with the addition of perceived security and epistemic value as other influencing factors. The study employs a survey approach with a cross-sectional design, and the proposed conceptual model was tested using partial least squares-structural equation modeling (PLS-SEM) analysis on 38 samples, with no issues of non-response bias (NRB) and common method bias (CMB). The results indicate that the UTAUT-2 constructs, along with the additional factors, significantly influence behavioral intention, with social influence, effort expectancy, and epistemic value being the top three factors affecting behavioral intention. These findings can also assist stakeholders in developing effective strategies to encourage more individuals, especially in the Kalurahan Murtigading government area, to adopt the village information system.
Penguatan Karakter Cinta Tanah Air Melalui Peringatan Hari Kemerdekaan pada Kalangan Anak-Anak Pekerja Migran Indonesia (PMI) di Serdang Malaysia Destriya Alfiara Nisa; Sugiarti Sugiarti; Hasna Widya Nastiti; Puspitasari Puspitasari; Rizal Fauzi; Febrian Wahyu Wibowo; Ragil Satria Wicaksana; Fatimatasari Fatimatasari
Bangun Desa: Jurnal Pengabdian Masyarakat Vol. 3 No. 2 (2024)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21927/jbd.2024.3(2).155-169

Abstract

Kegiatan peringatan hari kemerdekaan ini bertujuan untuk menguatkan karakter cinta tanah air pada anak-anak Pekerja Migran Indonesia (PMI) di Serdang, Malaysia, melalui peringatan Hari Kemerdekaan Indonesia. Mahasiswa KKN Tematik Internasional Universitas Alma Ata berperan aktif dalam menyelenggarakan berbagai kegiatan, seperti upacara bendera dan lomba-lomba kebangsaan, yang dirancang untuk menumbuhkan rasa patriotisme dan nasionalisme. Hasil kegiatan menunjukkan bahwa upaya ini berhasil meningkatkan rasa kebanggaan nasional di kalangan anak-anak PMI. Faktor pendukung utama keberhasilan adalah antusiasme anak-anak PMI dan dukungan komunitas Indonesia di Malaysia. Namun, hambatan seperti keterbatasan fasilitas pendidikan dan minimnya dukungan pemerintah setempat tetap menjadi tantangan yang harus diatasi. Secara keseluruhan, kegiatan ini memberikan kontribusi positif dalam penanaman nilai-nilai kebangsaan sekaligus mempererat solidaritas komunitas Indonesia di luar negeri.
Co-Authors Akbar Nur Rizqi Anisa Risqi Cahya Ningrum Annisa Rahmawati Putri Dadang Heksaputra Dadang Heksaputra Deden Hardan Gautama Destriya Alfiara Nisa Devi Pranatasari Dhidhin Noer Ady Rahmanto Dhina Puspasari Wijaya, Dhina Puspasari Dwi Purwati Farah Nur Syafi'ah Wijayanti Fatimatasari Fatimatasari Finka Febri Nur'aini Hasna Widya Nastiti Ilmiah, Dunyati Muhammad Joko Umbaran Haris Bahrudin Purbowisanti, Ratih Puspitasari Puspitasari Ratih Purbowisanti Rizal Fauzi Sani, Ageng Asmara Siti Aisyah Sugiarti Sugiarti Syaiful Muhamad Irsyad Toufan Aldian Syah Vega Lavenia Wibowo, Febrian Wahyu