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All Journal IJHCM (International Journal of Human Capital Management) Journal of Business and Behavioural Entrepreneurship Journal of Institution And Sharia Finance Santri: Journal of Pesantren and Fiqh Sosial Jurnal Manajemen Perbankan Keuangan Nitro
Maricar, Rezvanny
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Mobile Money Adoption, Financial Inclusion, and Hedonism in SMEs Maricar, Rezvanny; Paerah, Ambo; Hastuti, Puji
Journal of Business and Behavioural Entrepreneurship Vol. 8 No. 2 (2024): Journal of Business and Behavioural Entrepreneurship
Publisher : Fakultas Ekonomi, Universitas Negeri Jakarta, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/JOBBE.008.2.07

Abstract

This study investigates the role of hedonism as a mediating variable in the relationship between mobile money adoption and financial inclusion among small and medium-sized enterprises (SMEs). The research explores how intrinsic satisfaction derived from using mobile money influences its adoption and impacts financial inclusion, providing a novel perspective on the psychological drivers of financial technology uptake. Utilizing a quantitative approach, data were collected from SMEs via standardized questionnaires, with relationships analyzed through regression and mediation techniques. The findings demonstrate that mobile money adoption significantly enhances financial inclusion, while hedonism partially mediates this relationship. Emotional satisfaction is shown to amplify the impact of mobile money adoption, underscoring the importance of user experience alongside functionality in driving technology adoption. The study concludes that incorporating hedonistic aspects into mobile money platforms can increase adoption rates and enhance the financial inclusion of SMEs. The results provide actionable insights for policymakers and service providers, highlighting the importance of user-centered design and tailored support. Future research should explore additional mediating factors and broader sample populations to further validate and expand on these findings.
Pesantren-Based Entrepreneurial Ecosystem: Contribution of Baitul Maal Wat Tamwil Mahmudah, Sofiyyah; Fajri AF, Muh Shadiqul; Maricar, Rezvanny
Santri: Journal of Pesantren and Fiqh Sosial Vol 6 No 1 (2025): June 2025
Publisher : The Institute of Research and Service Community IPMAFA Pati

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/santri.v6i1.1691

Abstract

This study aims to examine the role of Baitul Maal wat Tamwil (BMT) Al-Arsyadi in promoting the development of entrepreneurship within the Al-Arsyadi Pesantren environment in Samboja, East Kalimantan. The study employed a descriptive qualitative approach, utilizing data collection techniques that included in-depth interviews, participatory observation, and documentation studies. The study’s results identified three main contributions of BMT in supporting the Pesantren entrepreneurship ecosystem. First, as a provider of business capital, BMT offers access to Sharia financing that supports the sustainable development of pesantren business units. Second, as an integrated financial manager, BMT builds a transparent and accountable financial management system for pesantren. Third, BMT serves as a center for training santri (student) in entrepreneurship, offering practical and applicable Islamic value-based training programs. These findings indicate that BMT is not only a financial institution but also an agent of community-based Pesantren economic transformation. This study recommends strengthening the institutional capacity of BMT, integrating entrepreneurship curriculum into pesantren education, and replicating the model to other pesantren. This study contributes to broadening the understanding of community-based Islamic economics and the role of local institutions in building the economic independence of the community.
Impact of Accounts Receivable Write-Off Policy on Stock Fluctuations of State-Owned Bank Companies Rahmawati; Hishaly GH, Nur; Damirah, Damirah; Wahyuni Nur, Sri; Maricar, Rezvanny; Arismunandar, Andi Patotori
Journal of Institution and Sharia Finance Vol. 8 No. 1 (2025): JUNI
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v8i1.6982

Abstract

This study aims to examine the impact of the announcement of debt write-off policy on the abnormal returns of state-owned banking stocks. A quantitative method with an event study approach is employed to analyze market reactions to the announcement. The research sample consists of four state-owned banks listed on the Indonesia Stock Exchange, with stock price data collected from December 29, 2023, to November 19, 2024. The findings indicate a negative impact of the debt write-off policy announcement on the cumulative average abnormal return (CAAR), suggesting that investors perceive the policy as unfavorable. This reaction is associated with potential moral hazard in its implementation. The study underscores the importance of transparency and government assurances regarding financial performance in the context of such policies. It also recommends that financial practitioners consider the implications of policy announcements on stock market reactions. This research contributes to the understanding of market efficiency theory in responding to new information and provides insights for policymakers and investors. Future studies are encouraged to explore long-term impacts and incorporate qualitative approaches or additional variables, such as global economic events, to offer a more comprehensive analysis.
The Game-Changing Effect of Mobile Money on Shaping Financial Knowledge And Financial Skills Alatas, Rahman; Valentino, Valentino; Elliyana, Ela; Maricar, Rezvanny
IJHCM (International Journal of Human Capital Management) Vol. 7 No. 2 (2023): International Journal of Human Capital Management
Publisher : Program Studi S3 Ilmu Manajemen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/IJHCM.07.02.6

Abstract

The purpose of this study was to determine the effect of mobile money on financial knowledge and financial skills.The approach used in this research is a quantitative approach. The method used is a survey by distributing questionnaires to 100 respondents who are active mobile money users in Indonesia. The research instrument used was a questionnaire using a five-level Likert scale. In this study, researchers took a random sampling technique, namely random sampling so that it was not limited but could represent the entire population, workers, housewives active students. Data analysis and hypothesis testing were carried out using multiple linear regression analysis techniques, partial tests and simultaneous tests using the SEM PLS 4 application. The results showed that mobile money has an effect on financial knowledge and financial skills in active smarthpone users who are used for money transfer transactions, purchases in e-commerce, bill payments. The convenience of mobile money services, such as quick and easy transactions and bill payments.
The Influence of Brand Halal Awareness and The Halal Logo On Online Food Purchasing Decisions Maricar, Rezvanny; Mallu, Angga Prayudha Ashari H; Akbar
IJHCM (International Journal of Human Capital Management) Vol. 8 No. 1 (2024): International Journal of Human Capital Management
Publisher : Program Studi S3 Ilmu Manajemen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/IJHCM.08.01.5

Abstract

The purpose of this study is to explore the effects between halal brand awarness and halal logo on online purchasing decisions. Cross-sectional data samples were collected through surveys from consumers living in Indonesia, and this study adopted path analysis to test the hypothesised relationships between halal brand awareness, towards purchase decisions and halal logo towards purchase decisions. This study suggests that food businesses should brand-build and promote their brand awareness of the halal logo through sales promotion, advertising, and other marketing activities. When brand halal awareness on halal food is high, purchasing decisions through the halal logo and religious beliefs will also increase. Consumers will evaluate the quality of a product from the halal food purchase experience.
Driving Customer Loyalty in Digital Banking: The Strategic Role of Digital Marketing, Service Quality, and Customer Experience Ega Susanto, Setya; Maricar, Rezvanny; Baharuddin, Ceskakusumadewi; Panus, Panus; Sasmita, Halida
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 2 No. 1 (2026): Special Volume for International Collaboration ASEAN Countries
Publisher : LP2M IBK Nitro

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The rapid development of digital technology has significantly transformed the banking industry, compelling banks to adopt integrated digital marketing strategies to remain competitive and enhance customer relationships. This study aims to examine the influence of digital marketing strategy on customer loyalty in the banking industry by incorporating digital service quality, customer experience, and customer satisfaction into a comprehensive structural model. A quantitative research design was employed using a cross-sectional survey of 250 digital banking users who had actively utilized mobile or internet banking services for at least six months. Data were collected through a structured questionnaire using a five-point Likert scale and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The results indicate that digital marketing strategy has a significant positive effect on digital service quality and customer experience. Digital service quality significantly influences customer satisfaction and customer loyalty, while customer satisfaction and customer experience both positively affect customer loyalty. Furthermore, mediation analysis reveals that customer satisfaction partially mediates the relationship between digital service quality and customer loyalty, and customer experience partially mediates the relationship between digital marketing strategy and customer loyalty. The model demonstrates substantial explanatory power, with digital marketing-related constructs explaining a significant proportion of variance in customer loyalty. The findings suggest that digital marketing strategy functions not merely as a promotional tool but as an integrated system that enhances service performance, personalization, and customer engagement. By effectively managing digital touchpoints, CRM systems, and service quality dimensions, banks can strengthen customer satisfaction and foster long-term loyalty. This study contributes to the literature by extending traditional service quality and satisfaction–loyalty frameworks into the digital banking context and offers practical implications for banks seeking sustainable competitive advantage in the era of digital transformation.
Co-Authors Akbar Alatas, Rahman Angga Prayudha Ashari H Mallu Arismunandar, Andi Patotori Baharuddin, Megawaty Ceskakusumadewi DAMIRAH DAMIRAH, DAMIRAH Ega Susanto, Setya elliyana, ela Hishaly GH, Nur Mahmudah, Sofiyyah Muh Shadiqul Fajri AF Paerah, Ambo Panus, Panus Puji Hastuti Rahmawati Sasmita, Halida Valentino, Valentino Wahyuni Nur, Sri