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All Journal Fokus Ekonomi Jurnal Kewirausahaan, Akuntansi, dan Manajemen TRI BISNIS Journal of Islamic enterpreneurship and Management
Mardika, Dhoni Rizky Widya
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Economics, Econometrics & Finance

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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.
Co-Authors Amalia, Farah Listiani, Nur Muhammad Tahwin