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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) JURNAL ECONOMINA Margin : Jurnal Bisnis Islam dan Perbankan Syariah Journal of Economics and Social Sciences Bangun Desa : Jurnal Pengabdian Masyarakat Jurnal At-Tamwil: Kajian Ekonomi Syariah
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.
The Effect of Product Quality and Service Quality on Member Satisfaction with the Company's Reputation As an Intervening Variable in Koptan BMT Barokah Rischa Nur Annisa; Ragil Satria Wicaksana; Dhidhin Noer Ady Rahmanto; Novi Febriyanti
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 8 No. 2 (2026): Jurnal At-Tamwil September 2026
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v8i2.9815

Abstract

Purpose – This study examines the effect of product quality and service quality on member satisfaction at Koptan BMT Barokah, with company reputation positioned as an intervening variable. The study addresses inconsistent findings on member satisfaction by examining the role of company reputation in the context of a farmer-based Islamic microfinance institution. Design/Methods/Approach – A quantitative correlational design was used. Data were collected through an offline questionnaire from 129 active members selected using purposive sampling and analyzed using path analysis with SPSS 22. Mediation effects were assessed using the Sobel test, preceded by validity, reliability, and classical assumption tests. Findings – Product quality had a significant positive effect on both company reputation and member satisfaction. Service quality had a significant positive effect on company reputation but no significant direct effect on member satisfaction. Company reputation had a significant positive effect on member satisfaction. The Sobel test indicated significant indirect effects of product quality and service quality on member satisfaction through company reputation, with indirect effects of 0.043 (p = 0.049) and 0.130 (p = 0.014), respectively, supporting both mediation hypotheses. Research Implications/Limitations – The findings suggest that Koptan BMT Barokah should prioritize product suitability and reliability while maintaining service quality to strengthen institutional reputation and member satisfaction. The study is limited to a single farmer-based BMT and uses path analysis within one institutional setting, which limits the generalizability of the findings. Originality/Value – This study contributes to the literature by examining company reputation as an intervening mechanism linking product quality and service quality with member satisfaction in a farmer-based Islamic microfinance institution. The study provides a contextual examination of how members' evaluations of product benefits and service experiences are reflected in their broader perceptions of institutional credibility and reputation, which subsequently contribute to satisfaction.
Faktor-Faktor yang Memengaruhi Keputusan Muzakki Membayar Zakat Secara Online Novi Febriyanti; Ragil Satria Wicaksana; Alia Jihan Sahira; Achmad Budi Susetyo; Rahmad Nursyahidin; Nuriya Luthfiana
JURNAL ECONOMINA Vol. 3 No. 4 (2024): JURNAL ECONOMINA, April 2024
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v3i4.1280

Abstract

Penelitian ini bertujuan untuk menguji pengaruh Literasi Zakat, Literasi Digital, Persepsi Manfaat, Persepsi Kenyamanan dan Pengaruh Komitmen Terhadap Keputusan Membayar Zakat Profesional Menggunakan Sistem Pembayaran Zakat Digital. Sampel penelitian ini terdiri dari 140 informan yang telah membayar zakat profesinya dengan menggunakan sistem pembayaran zakat digital. Belajar Metode ini menggunakan analisis kuantitatif PLS-SEM dengan bantuan alat analisis SmartPLS 3. Hasil survey menunjukkan bahwa Literasi Zakat, Literasi Digital, Perceived Convenience dan Commitment Effect mempunyai pengaruh positif mempunyai dampak signifikan terhadap keputusan membayar zakat profesi dengan menggunakan metode sistem pembayaran zakat digital. Sedangkan variabel Persepsi Manfaat tidak berpengaruh terhadap keputusan membayar zakat profesi menggunakan sistem pembayaran zakat digital.
Co-Authors Achmad Budi Susetyo Akbar Nur Rizqi Alia Jihan Sahira 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 Novi Febriyanti Nuriya Luthfiana Purbowisanti, Ratih Puspitasari Puspitasari Rahmad Nursyahidin Ratih Purbowisanti Rischa Nur Annisa Rizal Fauzi Sani, Ageng Asmara Siti Aisyah Sugiarti Sugiarti Syaiful Muhamad Irsyad Toufan Aldian Syah Vega Lavenia Wibowo, Febrian Wahyu