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All Journal JURNAL BISNIS STRATEGI Jurnal Studi Manajemen Organisasi Diponegoro Journal of Management Jurnal Keuangan dan Perbankan Gadjah Mada International Journal of Business Jurnal Manajemen Teori dan Terapan Syntax Literate: Jurnal Ilmiah Indonesia Jurnal Organisasi Dan Manajemen JOURNAL OF APPLIED ACCOUNTING AND TAXATION SEIKO : Journal of Management & Business Kumawula: Jurnal Pengabdian Kepada Masyarakat International Journal of Economics Development Research (IJEDR) Jurnal Pasar Modal dan Bisnis Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences AL-ARBAH: Journal of Islamic Finance and Banking JURNAL ILMIAH GLOBAL EDUCATION Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) e-Jurnal Apresiasi Ekonomi Research Horizon IIJSE Economic and Business Horizon BISNIS : Jurnal Bisnis dan Manajemen Islam
Irene Rini Demi Pangestuti
Department Of Management Faculty Of Economics And Business Universitas Diponegoro Jl. Prof. Soedarto SH, Semarang, 50275
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Social Sciences Other

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Optimizing Financial Inclusion through Mobile Banking and Digital Wallet during COVID-19 Pandemic Makusara, Kumaralalita; Widiastuti, Cahyaning Ajeng; Pangestuti, Irene Rini Demi; Mawardi, Wisnu
Economic and Business Horizon Vol. 4 No. 2 (2025): May
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/ebh.4.2.2025.686

Abstract

The COVID-19 pandemic has greatly affected multiple sectors in Indonesia, particularly the financial sector. Amidst economic uncertainty, financial inclusion is crucial to support economic recovery and community welfare. Mobile banking and digital wallets have emerged as effective solutions in improving financial inclusion, facilitating wider access to financial services for people, especially in remote areas. This research uses the journal review method, by analyzing various research sources related to the role of mobile banking and digital wallets in improving financial inclusion in Indonesia during the pandemic. The findings show that digital financial technology has accelerated the process of financial inclusion, with positive impacts on economic sustainability. By enabling easier and safer access to finance, mobile banking and digital wallets support the achievement of sustainability goals through reducing social and economic inequality. This research contributes to a better understanding of the potential of digital technology in supporting sustainable financial inclusion, and its implications for public policy in Indonesia.
Measuring Fintech and Digital Banking Scalability to Enhance Financial Inclusion in Indonesia Pradhipta, Rama Dwika; Wafdayanti, Haasya; Mawardi, Wisnu; Pangestuti, Irene Rini Demi
Economic and Business Horizon Vol. 4 No. 3 (2025): September
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/ebh.4.3.2025.688

Abstract

This study explores the scalability of fintech and digital banking in Indonesia as a catalyst for financial inclusion, the context centers on Indonesia’s unique challenges, including its archipelagic geography, fragmented regulatory frameworks, and a significant unbanked population (26% of adults), which hinder traditional financial services. The role of this study is to provide evidence-based insights for policymakers, financial institutions, and fintech developers to optimize scalable solutions. By conducting a systematic literature review of peer-reviewed articles, industry reports, and case studies (2015–2025), this research identifies critical drivers and barriers to scalability. Thematic analysis and comparative frameworks were employed to evaluate Indonesia’s progress against global benchmarks. Results reveal that technological infrastructure, regulatory adaptability, and strategic partnerships are pivotal to scalability. However, challenges persist, including low digital literacy and regulatory fragmentation. Data also highlight successful models, such as mobile banking platforms leveraging agent networks to reach remote areas. The article discusses these findings through the lens of collaborative governance, emphasizing the need for multi-stakeholder cooperation. Case studies of Indonesia’s leading fintech firms illustrate how localized innovations such as microloan algorithms and offline transaction modes address inclusion barriers. Key findings suggest that scalable fintech and digital banking can significantly enhance financial inclusion if supported by inclusive policies, infrastructure investment, and public private partnerships. Recommendations include harmonizing regulations, expanding digital education, and incentivizing tech innovation for rural markets. This study contributes actionable strategies to align Indonesia’s digital finance growth with sustainable development goal.
The Role of Financial Technology (FinTech) in Enhancing MSMEs’ Access to Finance: A Study from the Perspective of Financial Management Safitri, Maria; Muharam, Harjum; Pangestuti, Irene Rini Demi
Jurnal Ilmiah Global Education Vol. 6 No. 3 (2025): JURNAL ILMIAH GLOBAL EDUCATION
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/jige.v6i3.4069

Abstract

The expansion of financial technology (FinTech) has changed the way that MSMEs, and the potential entrepreneurs behind them, can access capital, especially in emerging markets, where traditional financial services availability is constrained. Notwithstanding the growing accessibility of digital financial services, a large number of MSMEs still struggle to engage with these technologies; their barriers including low levels of financial literacy, poor digital preparation, and internal decision-making obstacles. This study tries to explore the effects of FinTech adoption on MSMEs access to finance, with focus on the mediating effect of financial literacy and the moderating role of financial behavior and trust. A quantitative causal-explanatory research design was employed using primary data that were gathered using structured questionnaires from Indonesian MSME owners transacting in FinTech platforms. The relationships between the main constructs were investigated through Structural Equation Modeling (SEM). The findings indicate that financial literacy and internal financial management fully mediate the effect of FinTech on financing outcomes, and digital trust and risk perception moderate the relationship. The results provided are consistent with the utilization of the COR Theory in understanding digital financial behavior among MSMEs reiterating that technology itself is not enough if cognitive and behavioral resources are not enabled. This study provides practical implications for policymakers and FinTech developers who seek to shape inclusive financial systems and also demonstrates the need to incorporate financial education in digital innovations' strategy to build greater economic resiliency of MSMEs
The Influence of ESG Disclosures on Company Value In 5 ASEAN Countries Muninggar, Aliya Inggita Prameswari; Pangestuti, Irene Rini Demi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 1 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i1.4580

Abstract

This research explores the impact of environmental, social, and governance (ESG) performance on company value in Indonesia, Malaysia, Thailand, Singapore, and the Philippines. The population of this research is manufacturing companies listed on the Stock Exchange and adopting the ESG system from 2018 to 2022. Purposive sampling was used to filter companies that meet the criteria of 65 companies. The findings of this research show that the overall ESG performance of manufacturing companies has a significant positive influence on company value in these five countries. Environmental performance and corporate governance do not affect company value. Meanwhile, social performance influences company value. In addition, environmental performance, social performance, and corporate governance together with control variables also influence firm value positively.
PENYUSUNAN MASTERPLAN DESA WISATA SEBAGAI UPAYA PENINGKATAN DAYA SAING EKONOMI DI DESA GEMPOLAN KABUPATEN KARANGANYAR, PROVINSI JAWA TENGAH Kurniawati, Wakhidah; Susanti, Retno; Mussadun, Mussadun; Pangestuti, Irene Rini Demi; Ardian, Rico
Kumawula: Jurnal Pengabdian Kepada Masyarakat Vol 8, No 3 (2025): Kumawula: Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Padjadjaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24198/kumawula.v8i3.59048

Abstract

Village tourism is a growing phenomenon worldwide, including in Indonesia. Gempolan Village has great potential to be developed as a tourist village with various attractions such as the selfie bridge, observation tower, Gondang Reservoir, and durian products. However, the lack of connectivity between these attractions hinders the optimization of this potential. The preparation of a master plan with the concept of integrated rural tourism is a solution to increase the attractiveness and sustainability of tourism in Gempolan Village. The method used in the preparation of this master plan includes three main stages: (1) socialization to identify the village’s potentials and problems, (2) guidance and practice through Focus Group Discussions (FGD) to refine the design concept, and (3) finalization of the master plan design. The result of this service activity is not only a master plan document, but also an increase in the community’s capacity to understand and independently manage the tourism potential of their village. By actively involving the community in every stage of the activity, this community service initiative succeeded in increasing the community’s awareness and participation in the development of a sustainable tourism ecosystem. This master plan is expected to become a strategic guideline for Gempolan Village in developing a tourism sector based on local potential in a sustainable manner, as well as promoting the economic growth of the village community. Desa wisata merupakan fenomena global yang terus berkembang, termasuk di Indonesia. Desa Gempolan memiliki potensi besar untuk dikembangkan sebagai desa wisata dengan berbagai atraksi, seperti Jembatan Selfie, Menara Pandang, Waduk Gondang, serta komoditas durian. Namun, kurangnya konektivitas antar objek wisata menghambat optimalisasi potensi tersebut. Penyusunan masterplan dengan konsep Integrated Rural Tourism menjadi solusi untuk meningkatkan daya tarik dan keberlanjutan pariwisata di Desa Gempolan. Metode yang digunakan dalam penyusunan masterplan ini meliputi tiga tahap utama: (1) Sosialisasi untuk mengidentifikasi potensi dan permasalahan desa, (2) Bimbingan dan praktik melalui Focus Group Discussion (FGD) untuk menyempurnakan konsep desain, serta (3) Finalisasi desain masterplan. Hasil dari kegiatan pengabdian ini tidak hanya berupa dokumen masterplan, tetapi juga peningkatan kapasitas masyarakat dalam memahami dan mengelola potensi wisata desanya secara mandiri. Melalui pelibatan aktif masyarakat dalam setiap tahap kegiatan, kegiatan pengabdian kepada masyarakat ini berhasil meningkatkan kesadaran dan partisipasi komunitas dalam mengembangkan ekosistem wisata yang berkelanjutan. Masterplan ini diharapkan menjadi pedoman strategis bagi Desa Gempolan dalam mengembangkan sektor pariwisata berbasis potensi lokal secara berkelanjutan, serta mendorong pertumbuhan ekonomi masyarakat desa.
THE EFFECT OF CORE CAPITAL, QUALITY OF GOVERNANCE IMPLEMENTATION ON THE PROFITABILITY OF RURAL BANKS IN KALIMANTAN WITH CREDIT RISK AS A MEDIATION VARIABLE Budi Rahman; Irene Rini Demi Pangestuti
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 4 No. 4 (2024): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v4i4.2399

Abstract

Rural banks (BPR) have an important role in supporting financial inclusion, especially in remote areas. This study examines the effect of core capital and governance quality on profitability with credit risk as a mediating variable at BPRs in Kalimantan during the period 2016–2023. Using quantitative methods with secondary data, the research sample consisted of 51 BPRs with 326 observations after outlier adjustment. The analysis was conducted with SPSS 26.0 using path analysis two-fold regression. The results of the study show that the first regression shows that core capital has a significant negative effect on credit risk (sig. 0.002; coefficient -0.172), the quality of governance implementation as measured by the decrease in the value of the governance composite has a significant positive effect on increasing credit risk (sig. 0.086; coefficient 0.094). The second regression shows that core capital has a significant positive effect on profitability (ROA) (sig. 0.023; coefficient 0.112), while the quality of governance implementation as indicated by the decrease in the value of the governance composite is not significant (sig. 0.338; coefficient 0.115). Credit risk was found to have a significant negative effect on profitability (sig. 0.000; coefficient -0.368). The Sobel test shows that credit risk is able to mediate the relationship between core capital and profitability (sig. 0.00380 < 0.10; Coef 0.063), and credit risk can also mediate the relationship between the quality of governance implementation and profitability (sig. 0.0933 < 0.10; Coef -0.034).
THE EFFECT OF INCOME DIVERSIFICATION STRATEGY ON CREDIT RISK AND MARKET RISK IN COMMERCIAL BANKS IN INDONESIA DURING THE COVID-19 PANDEMIC Otto Fitriandy; Irene Rini Demi Pangestuti
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 3 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i3.3021

Abstract

The phenomenon of economic instability due to the COVID-19 pandemic has encouraged banks to improve income diversification strategies in order to reduce risk exposure and maintain sustainable financial performance. This study aims to analyze the effect of income diversification on credit risk and market risk with the role of control variables Size, Tangible Asset, Return on Asset and Liquidity. The study was conducted at Conventional Commercial Banks in Indonesia during the period 2018-2023. This research method uses a quantitative approach with secondary data. The population in this study is all Conventional Commercial Banks in Indonesia as many as 105 banks, then the sample determination uses purposive sampling technique and produces 101 banks as samples. The observation period for six years produced a total of 606 observation data. The analysis tool uses SPSS 26.0 software through multiple regression tests. The first regression results show that income diversification has a significant negative effect on credit risk (sig. 0.000; t-stat -3.170). Meanwhile, the size control variable does not affect credit risk (sig. 0.353; t-stat 0.930), Tangible does not affect credit risk (sig. 0.261; t-stat -1.125). ROA has a positive effect on credit risk (sig. 0.000; t-stat 6.399). Liquidity has a positive effect on credit risk (sig. 0.000; t-stat 6.355). The R² value of 0.204 indicates that 20.4% of the variation in credit risk can be explained by income diversification, and the control variables Size, Tangible Asset, Return on Asset and Liquidity. In the second regression, income diversification has a significant negative effect on market risk (sig. 0.049; t-stat -1.972). Meanwhile, the control variable size has a positive effect on market risk (sig. 0.002; t-stat 3.049), Tangible has no effect on market risk (sig. 0.493; t-stat -0.686). ROA has a negative effect on market risk (sig. 0.002; t-stat 3.184). Liquidity has a positive effect on market risk (sig. 0.000; t-stat 21.080). The R² value of 0.583 indicates that 58.3% of the variation in market risk can be explained by income diversification, and the control variables Size, Tangible Asset, Return on Asset and Liquidity.
THE EFFECT OF FINANCIAL LEVERAGE ON FINANCIAL PROFITABILITY: A STUDY OF NON-FINANCIAL INSTITUTIONS LISTED ON THE INDONESIAN STOCK EXCHANGE Sirait, Eugenia Chacita; Pangestuti, Irene Rini Demi
Jurnal Apresiasi Ekonomi Vol 14, No 1 (2026)
Publisher : Institut Teknologi dan Ilmu Sosial Khatulistiwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31846/jae.v14i1.1046

Abstract

This study aims to reveal the effect of Financial Leverage on Financial Profitability in non-financial companies listed on the Indonesia Stock Exchange. The population of this study is non-financial companies listed on the Indonesia Stock Exchange that attach their financial reports publicly from 2018-2023. The data used in this study comes from Bloomberg data from the Faculty of Economics and Business, Diponegoro University, Semarang. The number of samples based on the purposive sampling method is 68 companies and with a sample of 408. The analysis in this study is multiple linear regression analysis using IBM SPSS 25. The findings in this study indicate that Equity Multiplier, Interest Coverage ratio, Degree of Financial Leverage, have no effect on ROA and ROE, Fixed Charge Coverage ratio and Capitalization Ratio have a positive effect on ROA and ROE, Debt to EBITDA has a negative effect on ROA and ROE. Keywords: Financial Leverage, Profitability, Indonesia Stock Exchange
ANALYSIS OF UNCERTAINTY DURING THE COVID-19 PANDEMIC ON NIM, ROA, NPL, AND BOPO AT RURAL BANKS Ida Bagus Putu Siwa Adnyana; Irene Rini Demi Pangestuti
Jurnal Apresiasi Ekonomi Vol 13, No 2 (2025)
Publisher : Institut Teknologi dan Ilmu Sosial Khatulistiwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31846/jae.v13i2.857

Abstract

This study analyzes the effect of uncertainty due to the Covid-19 pandemic on the financial performance of conventional BPRs in Bali during the period 2016-2023. This research is important because it can provide insight into how strong BPR banks are in facing the crisis. Analysis of NIM, ROA, NPL, and BOPO, can understand the bank's ability to maintain profitability and operational efficiency amid economic uncertainty. Uncertainty is measured through the standard deviation of assets, funding, and loan growth as independent variables, while financial performance is evaluated using the NIM, ROA, NPL, and BOPO ratios as dependent variables. The research method used is quantitative with multiple regression method, the research sample was 66 BPR in Bali and the data analysis technique used multiple regression with SPSS 27.00 software with four equations. The results of the study show that H1, H2, H3, H4, H10, and H11 do not meet the hypothesis, while H5, H6, H7, H8, H9, and H12 meet the hypothesis. In hypotheses H1, H2, H3 and H4, the independent variable, namely the standard deviation of assets, has a significant positive effect on the dependent variables NIM and ROA, and a negative effect on the dependent variables NPL and BOPO. Furthermore, in H10 and H11, the independent variable does not affect the dependent variable, which means that the standard deviation of loan growth does not affect ROA and NPL. In H5, H6, H7, H8, H9, and H12, the hypothesis shows that the standard deviation of funding has a significant negative effect on NIM and ROA, and a significant positive effect on NPL and BOPO. In addition, the standard deviation of loan growth has a significant negative effect on NIM and a significant positive effect on BOPO. Keywords: Uncertainty, Standard Deviation of Assets, Standard Deviation of Funding, Standard Deviation of Loan Growth, NIM, ROA, NPL, BOPO, BPR
Effect of the Covid-19 Pandemic on Stock Market Return With Macro Indicators as Control Variables in Indonesia and Malaysia Arminta, Ega; Pangestuti, Irene Rini Demi
BISNIS Vol 10, No 2 (2022): BISNIS: Jurnal Bisnis dan Manajemen Islam
Publisher : Universitas Islam Negeri Sunan Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v10i2.15402

Abstract

This research aims to examine the positive COVID-19 variable, the COVID-19 death variable, the COVID-19 vaccination variable, and the currency exchange rate variable as a control variable for stock market returns in Indonesia and Malaysia. The population in the test is a combination of the main indexes of the Indonesian and Malaysian stock exchanges. Sample selection using a purposive sampling method. The analytical tool used in this study is multiple linear regression analysis with 104 observational data for the period 2021-2022. The test results show that the positive COVID-19 confirmation variable has no significant effect, the COVID-19 death confirmation variable has a significant positive effect, and the COVID-19 vaccination variable has no significant effect on stock market returns
Co-Authors Aditya Tri Hardiyawan, Aditya Tri Advento Johanes Pangomo Ajeng Nurmalasari Al Hazmi, Muhammad Zaky Afkar Amie Kusumawardhani, Amie Andri Ismatullah Gani Ardian, Rico Arfinda Piradipta Suharno, Arfinda Piradipta Ariyani, Hilma Faza Arminta, Ega Augusty Tae Ferdinand Basthiani, Ikrimah Anggita Budi Rahman Clara Dewi Novitasari, Clara Crissy Norris Sianturi, Crissy Norris Cynthia Rahma Fatiha, Cynthia Rahma Cyrena, Maudhita Desi Natalia Pardede, Desi Natalia Dinar Nur Septiyanto Ega Arminta Ega Arminta Fachry Abda El Rahman Fauziah Putri Gantika, Fauziah Febrina Wahyu Widiasari, Febrina Gloria Anindya Perwitaningtyas, Gloria Anindya Hariyanti, Nunik Harjum Muharam Harjum Muharram Heriyanni Mashithoh Hersugondo Hersugondo Ida Bagus Putu Siwa Adnyana Idris Idris Imam Indra Permana Indana, Dina Intan Puspitasari Intan Puspitasari Isdiputra, Feisal Johanis Darwin Borolla Kinasih, Raras Sekar Lhadualiese Sidauruk, Lhadualiese Luthfiati, Fitria Makusara, Kumaralalita Marpaung, Clier Romi Melati Lindasari, Melati Meryta Wityasari, Meryta Meygawan Nurseto Aji Michael Sandra Pramana, Michael Sandra Michael Sitorus, Michael Mochammad Chabachib Mudzakir, Fahmi Utomo Muhammad, Yusuf Muninggar, Aliya Inggita Prameswari Mussadun Mussadun, Mussadun Nashirah, Azizah Fatin Nida ‘Ul Chasanah, Fatihah Nugrahandini, Yuliastanti Nurul Hakim, Nurul Oktaviani oktaviani Otto Fitriandy Pradhipta, Rama Dwika Prianka Ratri Nastiti, Prianka Ratri Priono, Andri Puji Irawan, Puji Putra, Aditya Mahendra Putri, Aisya Sylvana Rahmadani, Salsabila Gading Ramadhan, Iqbal Ryan Retno Susanti Risky Diba Avrita, Risky Diba Robinson robinson Robiyanto Safitri, Maria Sarah Dewi Fathinna, Sarah Dewi Septi Rianasari, Septi Simanjuntak, Tagora Bangkit Pahala Sirait, Eugenia Chacita Soegiono Soegiono Sugeng Wahyudi, Sugeng Susilo Toto Raharjo Swaskarina, Neisya Hafizha Triana, Tika Tsabit, Ilhaam Anggra Za’im Wafdayanti, Haasya Wakhidah Kurniawati Widiastuti, Cahyaning Ajeng Wisesa, Baskara Bayu Wisnu Mawardi Yesica Yulian Adicondro, Yesica Yulian Yesy Hartina Alusia, Yesy Hartina Yudha, Aji Yudistira, Eka Maisa Yuwana Sari, Rida