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All Journal SEGMEN Jurnal Manajemen dan Bisnis Among Makarti KEUNIS Jurnal Akuntansi dan Pajak Jurnal Ilmiah Ekonomi Islam EBSJ JIAFE (Jurnal Ilmiah Akuntansi Fakultas Ekonomi) ISOQUANT : Jurnal Ekonomi, Manajemen dan Akuntansi Jemasi Jurnal Ekonomi Manajemen dan Akuntansi Jurnal Ilmu Manajemen dan Akuntansi Terapan Jurnal Ilmiah Edunomika (JIE) Budimas : Jurnal Pengabdian Masyarakat International Journal of Seocology Jurnal Peduli Masyarakat Jurnal Ekonomi, Manajemen, dan Akuntansi Universitas Ngudi Waluyo JOURNAL OF BUSINESS AND ECONOMICS RESEARCH (JBE) Ascarya: Journal of Islamic Science, Culture and Social Studies International Journal of Economy, Education and Entrepreneurship (IJE3) Indonesian Journal of Engagement, Community Services, Empowerment and Development (IJECSED) Berdikari : Jurnal Ekonomi dan Statistik Indonesia Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) ADPEBI International Journal of Business and Social Science Jurnal Pengabdian Masyarakat Akademisi Jurnal Pengabdian Mitra Masyarakat (JPMM) National Conference on Applied Business, Education & Technology (NCABET) Journal of Economics and Public Health E-Prosiding Seminar Nasional Manajemen dan Akuntansi STIE Semarang (SENMAS) Prosiding Seminar Nasional Unimus IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita JUKEMAS : Jurnal Pengabdian Kepada Masyarakat Jurnal Manajemen dan Inovasi Kewirausahaan
Ristianawati, Yuyun
STIE Totalwin Semarang
Religion Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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Journal : KEUNIS

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Islamic Financial Inclusion Determines Strategic Agility Diversification Investment to Improve the Financial Performance of BMT in Central Java Hartono, Setyo Budi; Ristianawati, Yuyun
KEUNIS Vol. 14 No. 1 (2026): JANUARY 2026
Publisher : Finance and Banking Program, Accounting Department, Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32497/keunis.v14i1.6639

Abstract

In Indonesia, the efforts of BMT to improve its financial performance are hindered by Islamic Financial Inclusion (IFI), whose main provision—namely collateral—can prevent customers from applying for financing. Therefore, managers must adopt a novel non-financial approach, namely Strategic Agility Diversification Investment (SADI), which is developed through measurements of investment alignment, risk innovation, and data growth using the Markowitz theory and physical aptitude. This study tests the SADI indicators on 116 BMT managers in Central Java using AMOs 20.0. The results reveal that the variables of IFI—i.e., FI challenges, benefits, and realization—influence how SADI improves BMT’s financial performance. Furthermore, the direct effect of IFI on BMT’s financial performance is also tested, and the result shows a negative relationship. Thus, it can be concluded that the intervention of SADI in non-financial aspects is highly decisive in achieving IFI for BMT’s financial performance enhancement.
Co-Authors Adhitya Yoga Prasetya Adi Santoso Arianto, Rama Dwi Astohar Astohar Azis Nur Rosyid Bayu Kurniawan Dessy Noor Farida Dewi Oktafiani Dewi Oktafiani Dhian Andana Rini Minar Savitri DHIAN ANDANARINI MINAR SAVITRI Dhian Andarani Minar Savitri Diovany Tirtana Eka Yulia Prameski, Daffina Fania Mutiara Savitri Fanji Farman Hadi, Arman Hapsari, Pascalista Dwi Hartono, Setyo Budi Hasan Abdul Rozak Irawan Yuswono Jumadi, Muhamad Kiswoyo Kiswoyo Kiswoyo Kue, Apolonia Noor Salim Noor Salim Nugroho, Prihasantyo Siswo Nugroho, Prihasantyo Suryo Nusuki, Ina Paramastri, Tyasa Putri Praptitorini, Mirna Dyah Prasetyanto, Wahyu Eko Prihansantyo Siswo Nugroho Prihasantyo iswo Nugroho Putri Puspitasari Putri, Rizky Cahyani Ramadhanti, Fina Setya Ratna Puji Astuti, Ratna Puji Romadoni, Desi Ariyani Rosyada Fitriati, Ika Setyo Budi Hartono Sri Hartono, Sri Taswan, Taswan Turmudhi, Anis Wahab, W Widita, Mella