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All Journal Indonesian Journal of Business and Entrepreneurship (IJBE) Jurnal Manajemen Magister Darmajaya Jurnal Manajemen dan Kewirausahaan (JMDK) IJEBD (International Journal Of Entrepreneurship And Business Development) TIJAB (The International Journal of Applied Business) Abdimas Umtas : Jurnal Pengabdian kepada Masyarakat MABIS: Manajemen dan Bisnis Value: Jurnal Manajemen dan Akuntansi International Journal of Economics, Business and Accounting Research (IJEBAR) Journal of Enterprise and Development (JED) Ilomata International Journal of Tax and Accounting Dinasti International Journal of Digital Business Management Journal of Management - Small and Medium Enterprises (SME's) Journal of Education and Teaching Learning International Journal of Business, Economics, and Social Development Indonesian Journal of Business Analytics (IJBA) Jurnal Publika Pengabdian Masyarakat Jurnal Inspirasi Binsis dan Manajemen Journal Research of Social Science, Economics, and Management Majapahit Journal of Islamic Finance dan Management Pena Nursing Majapahit Journal of Islamic Finance dan Management Danadyaksa: Post Modern Economy Journal Asian Journal of Management, Entrepreneurship and Social Science Jurnal Pintar Pengabdian dan Pemberdayaan Masyarakat
Mardiyani
Univeristas Swadaya Gunung Jati
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Nursing Social Sciences Other

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Personal Financial Management in the Digital Age: The Role of Financial Planning and E-Wallets Selfiya; Mardiyani
International Journal of Business, Economics, and Social Development Vol. 7 No. 3 (2026): International Journal of Business, Economics, and Social Development (IJBESD)
Publisher : Rescollacom (Research Collaborations Community)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijbesd.v7i3.1209

Abstract

This study examines the impact of financial planning and e-wallet usage on personal financial management, with lifestyle serving as a mediating variable. The research was conducted using a quantitative approach among 150 active e-wallet users in Cirebon, selected through purposive sampling, and the data were collected via questionnaires and analyzed using the SEM-PLS method. The study's results indicate that financial planning and the use of e-wallets have a positive, significant effect on personal financial management. Lifestyle has a significant effect on personal financial management but does not mediate the relationship between financial planning or e-wallet usage and personal financial management. These results indicate that personal financial management is more directly shaped by financial planning, while lifestyle changes resulting from e-wallet usage have not contributed to improving financial management quality. Therefore, the study highlights the importance of increasing awareness of sound financial planning and the responsible use of e-wallets, particularly among young people, to prevent excessive consumerist behavior that may negatively affect personal financial management.
Exploring Financial and Digital Literacy: How Technology Adoption Attitude Drives Mobile Service Innovation in Cirebon MSMEs Mardiyani Mardiyani; Siska Ernawati Fatimah; Acep Komara
Indonesian Journal of Business and Entrepreneurship Vol. 12 No. 2 (2026): IJBE, Vol. 12 No. 2, May 2026
Publisher : School of Business, IPB University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/ijbe.12.2.413

Abstract

Background: Financial and digital literacy are key factors in technology adoption among MSMEs. However, most studies still focus on usage intentions or frequency rather than innovative behavior. It is also important to study MSMEs in Cirebon because of their limited digital infrastructure, varying financial capabilities, and the prevalence of small-scale businesses, all of which influence technology adoption behavior.Objective: To analyze the influence of digital and financial literacy on mobile service innovation, with the mediating of technology attitudes adoption, among MSMEs in Cirebon.Design/Methodology/Approach: Data were collected via a questionnaire administered to 200 SMEs in the culinary, fashion, service, and handicraft sectors using purposive sampling, with the criteria being MSMEs that use digital technologies such as digital marketing, financial transactions, and  customer service. Data analysis was conducted using SEM with SmartPLS 4.0.Findings/Results: Digital and financial literacy significantly influence mobile service utilization through the mediation of technology attitudes adoption. The strongest influence is demonstrated by digital literacy on technology attitudes adoption, highlighting the importance of MSMEs’ ability to use digital technology.Conclusion: There is a need for integrated digital and financial literacy training programs that strengthen technology attitudes adoption. Mobile service providers also need to pay attention to ease of use and education to encourage positive user attitudes.Originality/Value (Current State): This study reveals the mechanisms by which digital literacy and financial literacy shape the use of mobile services through technology attitudes adoption among digitally active SMEs in developing regions, an area previously studied primarily in terms of the intention to use technology. Keywords:  digital literacy, financial literacy, technology attitude adoption, mobile service innovation, msmes, omnichannel adoption
An Examination The Factors Of Share Investment Decisions : The Mediating Role Of Behavioral Finance Cirebon Society Alya Nurlaella Sugianto; Mardiyani Mardiyani
International Journal of Business, Economics, and Social Development Vol. 6 No. 1 (2025): International Journal of Business, Economics, and Social Development (IJBESD)
Publisher : Rescollacom (Research Collaborations Community)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijbesd.v6i1.878

Abstract

This study aims to analyze the effect of financial literacy, financial technology, on stock investment decisions in the millennial generation in Cirebon Regency, with financial behavior as a mediating variable. This research uses a quantitative approach with a causal associative method. The research sample of 150 respondents was taken using purposive sampling technique. The data analysis technique uses statistical methods with Partial Least Squares-Structural Equation Modeling (PLS-SEM) with the Smart-PLS 4 application. The results showed that financial literacy has no direct effect on stock investment decisions. Meanwhile, financial technology has a significant influence on investment decisions, due to easy access and innovative features that facilitate decision making. Financial literacy and financial technology also have a significant effect on financial behavior, where individuals with good financial understanding are better able to manage finances efficiently. Financial behavior is proven to be able to mediate the effect of financial literacy and financial technology on stock investment decisions. The conclusion of this study emphasizes the importance of improving financial literacy and utilizing financial technology to support healthy financial behavior, so that millennials can make smarter investment decisions. The results show that the ease of access offered by financial technology, along with healthy financial behavior, are key factors that encourage millennials to invest in the stock market. Therefore, efforts are needed to improve financial literacy, develop innovations in financial technology, and encourage the formation of good financial habits to increase the participation of millennials in the capital market.
Green Investment, Green Innovation, and Firm Value: Moderating Role of Profitability Syifa Auliana Wulandari; Mardiyani Mardiyani
Value : Jurnal Manajemen dan Akuntansi Vol. 21 No. 2 (2026): Mei - Agustus 2026
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32534/jv.v21i2.8565

Abstract

Firm value is an indicator of a company's performance. Sustainability issues and environmental demands pose challenges for companies, therefore, strategies are needed that can strengthen the company’s competitiveness and increas the firm value in the long term. This study aims to analyze the role of profitability as a moderating variable in the relationship between green investment, green innovation, and firm value. The methode used in this research is a quantitative approach. The sampling technique was carried out using purposive sampling, resulting in 15 companies as the research sample. Data analysis was performed using Moderated Regression Analysis (MRA) in STATA version 17. The results of the study based on the Random Effect Model show that green investment has a negative effect on firm value, that green innovation has no effect on firm value, and that profitability does not moderate the relationship between green innovation and firm value. However, green investment moderated by profitability has a significant positive effect on firm value. Green activities will run more optimally if supported by optimal financial performance. Allocating resources effectively to support green initiatives can enhance a company's reputation, increase investor interest, and create sustainable value.
Asset growth, operational efficiency, and firm value : The mediating role of profitability in Indonesian banking Samrotus Sa’adah Putri Auliatul Jannah; Mardiyani Mardiyani; Agustina Agustina
Journal of Management Small and Medium Enterprises (SMEs) Vol 19 No 2 (2026): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v19i2.27747

Abstract

This study examines the influence of asset growth and operational efficiency on firm value, with profitability serving as a mediating variable among banking firms listed on the Indonesia Stock Exchange during the 2022–2024 period. In an increasingly competitive banking environment, improving financial performance has become essential for enhancing firm value and maintaining investor confidence. Employing a quantitative research design, the study utilized secondary data obtained from annual financial reports of 23 banking companies selected through purposive sampling, resulting in 69 firm-year observations. Data were analyzed using path analysis with LISREL to examine both direct and indirect relationships among the variables. The findings reveal that asset growth positively influences profitability, indicating that the effective expansion of corporate assets contributes to improved financial performance. Operational efficiency was also found to significantly affect both profitability and firm value, highlighting the importance of efficient resource management in generating sustainable corporate outcomes. Furthermore, profitability exerts a positive influence on firm value and successfully mediates the relationships between asset growth and firm value, as well as between operational efficiency and firm value. These results underscore the critical role of profitability as a strategic mechanism through which growth and operational efficiency translate into enhanced firm value. The study contributes to the literature on corporate finance and banking performance by providing empirical evidence on the interconnected roles of growth, efficiency, and profitability in creating shareholder value within emerging financial markets. Keywords: Asset Growth; Operational Efficiency; Firm Value
Determinants of Generation Z Saving Behavior: The Mediating Role of Self-Control Anggi Anggraeni; Mardiyani Mardiyani
Jurnal Manajemen dan Kewirausahaan Vol. 14 No. 1 (2026): June (2026)
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jmdk.v14i1.17132

Abstract

Generation Z faces increasing challenges in developing consistent savings habits, particularly due to limited income and a tendency toward consumer behavior in a digital environment. This study aims to examine the influence of financial literacy and financial attitudes on savings behavior, with self-control as a mediating variable, among Generation Z in Cirebon. A quantitative approach with a causal-associative design was used, and data were collected from 150 respondents through purposive sampling. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that financial literacy and financial attitudes have a positive and significant influence on self-control and savings behavior. Furthermore, self-control significantly influences savings behavior and mediates the relationships between financial literacy and financial attitudes, and between financial literacy and savings behavior. These findings suggest that financial knowledge and positive attitudes alone are insufficient to encourage savings behavior without the ability to regulate spending impulses. This study provides important insights into the behavioral factors underlying financial decision-making among Generation Z. Strengthening self-control can enhance the effectiveness of financial literacy and attitudes in shaping consistent savings behavior. These findings offer practical relevance for financial education programs, policymakers, and financial service providers in designing strategies that not only increase financial knowledge but also support behavioral control in managing personal finances.
Working Capital Management Impacts on Consumer Cyclical Retail Firm’s Financial Performance Nindya Kartika Triwardhanie; Siti Mariah Virdausy; Mardiyani Mardiyani; Maiyaliza Maiyaliza
Journal Research of Social Science, Economics, and Management Vol. 5 No. 7 (2026): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v5i7.1351

Abstract

As the world has faced many economic crises and periods of instability, an appropriate strategy is needed to maintain sustainability and enhance the resilience of firms. The purpose of this study is to determine the impact of working capital management on the financial performance of consumer cyclical retail firms listed on the Indonesia Stock Exchange during the 2021–2024 period, with firm size as a moderating variable. As a quantitative study with a causal-associative approach, this research employed the Moderated Regression Analysis model using panel data. The samples used in this study were derived from secondary data through purposive sampling, resulting in 52 data observations. The results show that WCM practices, as measured by CCC, have a significant negative influence on ROA. In addition, WCM policies measured by WCIP have a significant positive influence on ROA, while WCFP has a significant negative influence on ROA. This study also found that firm size has a significant moderating effect on both the CCC–ROA relationship and the WCFP–ROA relationship. Thus, this study recommends the optimalization of WCM practices in day-to-day operations by improving the efficiency of its components. It is also recommended to adopt a conservative investment policy approach to ensure operational stability. On the other hand, large firms are advised to adopt an aggressive financing policy, while small firms should adopt a conservative approach to maximize profitability.
Return on Assets as A Mediator: The Effect of Current Rasio and Debt to Equity Ratio on Firm Value Shidiq Baddruzzaman; Mardiyani; Benny Dhevyanto
Indonesian Journal of Business Analytics Vol. 6 No. 3 (2026): June 2026
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijba.v6i3.16495

Abstract

Escalating rivalry within the corporate landscape compels enterprises, particularly those in the technological sphere, to perpetually refine and safeguard their organizational worth. Within the Indonesian context, the tech industry serves as a pivotal pillar for bolstering national economic progress and fast-tracking digital transformation. Nevertheless, despite its critical contributions, this sector has witnessed a persistent downturn in equity performance throughout the preceding three-year period. This inquiry investigates how the Current Ratio (CR) and Debt to Equity Ratio (DER) impact corporate value, utilizing Return on Assets (ROA) as an intervening factor. Employing a quantitative framework with a causal-associative blueprint, the study analyzed data via path analysis using LISREL version 10.20 to assess both proximate and distal variable correlations. The population encompasses technology-based entities listed on the Bursa Efek Indonesia from 2022 to 2024. Through purposive sampling, 25 organizations were identified, yielding 75 distinct observations. Empirical evidence indicates that CR exerts no substantial influence on either ROA or market valuation. Conversely, while DER significantly affects ROA, it lacks a direct statistical link to firm value. Findings highlight that ROA markedly determines firm value and functions as an effective bridge between DER and corporate worth, though it fails to facilitate the impact of CR. Consequently, tech-driven businesses should emphasize optimizing asset productivity and profitability—specifically by leveraging intangible resources—to bolster their market standing and secure investor trust.
The Impact of Perceived Ease of Use and Financial Self-Efficacy on Financial Loyalty: The Mediating Role of Trust Niken Amelia; Mardiyani
Indonesian Journal of Business Analytics Vol. 6 No. 3 (2026): June 2026
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijba.v6i3.16531

Abstract

This study aims to examine the effects of perceived ease of use and financial self-efficacy on financial loyalty, with trust as a mediating variable, among Generation Z digital bank customers in Cirebon. A quantitative approach was employed using an online survey with 150 respondents selected through purposive sampling. Data were analyzed using Structural Equation Modelling–Partial Least Squares (SEM-PLS) with SmartPLS 4. The results show that perceived ease of use and financial self-efficacy positively influence trust and financial loyalty. Trust is also found to mediate these relationships. These findings imply that improving system usability and financial capability can strengthen customer trust and enhance loyalty in digital banking.
Intermediation Efficiency and Bank Profitability: Evidence from Foreign Exchange Private Banks Aulia Mawarni; Mardiyani
Ilomata International Journal of Tax and Accounting Vol. 7 No. 2 (2026): April 2026
Publisher : Yayasan Ilomata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijtc.v7i2.2134

Abstract

The Banking sector holds a crucial role in safeguarding financial system stability while fostering economic growth through its intermediation function. However, banking profitability in Indonesia has fluctuated due to intense competition for funds, slower credit expansion, and rising operational cost pressures. This study analyzes the effects of Third Party Funds (TPF) and asset growth on bank profitability, proxied by ROA, and examines whether NIM mediates these relationships in private foreign exchange commercial banks. This study contributes by focusing on IDX-listed private foreign exchange banks during 2022-2024 and testing NIM as a mediatior between TPF, Asset Growth, and ROA using a unified path model.  Empirical evidence focusing on this bank segment and recent observation period remains limited in the Indonesian banking profitability literature. This research adopts a quantitative approach, using secondary financial statement data for the 2022-2024 period, and selects samples purposively from 17 banks. Data were analyzed using path analysis with LISREL 8.8. The findings indicate that TPF and asset growth significantly affect ROA. TPF also significantly influences NIM, while asset growth does not. Moreover, NIM significantly affects ROA but fails to mediate the effects of TPF and asset growth on profitability. These results imply that profitability improvement is driven mainly through direct fund utilization and productive asset expansion rather than interest margin mechanisms.
Co-Authors Acep Komara Acep Komara Ade Nurohmah Adella, Resso Panji Agi Syarif Hidayat Agustina Agustina Agustina Albiansyah Margana Putra Aliyah Fadhilah Alya Nurlaella Sugianto Aminah, Mina Siti Anggi Anggraeni Apriliyana, Lisa Audah, Taufan Aulia Mawarni Benny Dhevyanto Budhiarto, Ahmad Rizal Cicilia Ester Novita Herawati Bunga Egi Arvian Firmansyah Erpina, Evi Erwin Budianto Friska Dwi Gita Imelda Farel Ida Setya Wahyu Atmaja Ikka Nabila Ismu Lisara Kartono Kartono Lilis Setiawati Luky Afriliyana Lyla Petra Salsabila Maiyaliza Maiyaliza Maiyaliza Maiyaliza Maiyaliza, Maiyaliza Mohammad Dheo Alfhito Niken Amelia Nindya Kartika Triwardhanie Nurhana Dhea Pramudya, Muhammad Dwika Putri, Uus Meilia Ratu Berlianni Fachira K Rian Febriansyah Riri Alifah Fakriah Rismaya, Rismaya RR. Ella Evrita Hestiandari Samrotus Sa’adah Putri Auliatul Jannah Selfiya Shidiq Baddruzzaman Shindi Hapsari Sinta Lestari Siska Ernawati Fatimah Siti Mariah Virdausy Sopiani, Lia Sugianto, Alya Nurlaella Suryani, Devi Syifa Auliana Wulandari Ullum, Miftahul Wicaksono, Fajrin Witri Hastuti