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All Journal Madani Syari'ah: Jurnal Pemikiran Perbankan Syariah. Journal of Strategic Marketing and Innovation
Afidah Nur Aslamah
Universitas Negeri Jakarta
Economics, Econometrics & Finance

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The Effect of Financial Literacy and Investment Behavior on Financial Inclusion through Financial Behavior as a Mediating Variable in the Sandwich Generation Dea Permatasari; Afidah Nur Aslamah; Osly Usman; Ryna Parlyna
Journal of Strategic Marketing and Innovation Vol. 1 No. 1 (2025): Journal of Strategic Marketing and Innovation
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JOSMI.01.1.11

Abstract

This study looks at how investment behavior and financial literacy affect financial inclusion within Indonesia's sandwich generation. A structural equation model with SmartPLS was used to examine the quantitative data acquired from 105 respondents via online purposive sampling. The results demonstrate that financial conduct has considerable financial behavior that is significantly impacted by financial inclusion and financial knowledge. However, financial literacy has no direct bearing on financial inclusion or investment behavior, and financial conduct is not significantly influenced by investment activity.
The Impact of NFC and QRIS Utilization in Livin’ by Mandiri on Smart Mobility Experience among Public Transportation Users in DKI Jakarta Nazwa Eka Putri; Afidah Nur Aslamah; Osly Usman; Ryna Parlyna
Journal of Strategic Marketing and Innovation Vol. 1 No. 1 (2025): Journal of Strategic Marketing and Innovation
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JOSMI.01.1.12

Abstract

This study examines the influence of digital payment utilization, namely Near Field Communication (NFC) and Quick Response Code Indonesian Standard (QRIS), on smart mobility experience with mobility efficiency as a mediating variable. The research employs a quantitative explanatory design using a conceptual modeling approach to analyze causal relationships among variables. Primary data were collected through an online questionnaire distributed to 105 public transportation users in DKI Jakarta who actively use the Livin’ by Mandiri application for transportation-related transactions. Data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM), covering measurement model evaluation and structural model testing. The results show that NFC utilization has a positive and significant effect on mobility efficiency, while QRIS utilization demonstrates a relatively weaker direct effect. Mobility efficiency significantly enhances smart mobility experience and partially mediates the relationship between digital payment utilization and smart mobility experience. The study concludes that efficiency-oriented digital payment usage contributes to improving urban mobility experience. These findings highlight the importance of optimizing digital payment systems to support smart mobility initiatives in metropolitan transportation environments.
Strategi Triple Helix dalam Inovasi Ekosistem Sertifikasi Halal UMKM di Kota Tangerang Hilman Hilman; Afidah Nur Aslamah
Madani Syari'ah: Jurnal Pemikiran Perbankan Syariah Vol. 9 No. 1 (2026): Madani Syari'ah: Jurnal Pemikiran Perbankan Syari'ah
Publisher : Institut Binamadani Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51476/madanisyariah.v9i1.941

Abstract

Penelitian ini menganalisis dampak sertifikasi halal terhadap kinerja dan keberlanjutan Usaha Mikro, Kecil, dan Menengah (UMKM) di Kota Tangerang dengan menitikberatkan pada kolaborasi Triple Helix antara pemerintah, akademisi, dan pelaku usaha. Metode penelitian menggunakan pendekatan kualitatif melalui wawancara mendalam dengan pelaku UMKM serta pihak Dinas Perindustrian, Perdagangan, Koperasi, Usaha Kecil dan Menengah Kota Tangerang. Hasil penelitian menunjukkan bahwa sertifikasi halal tidak hanya meningkatkan kepercayaan konsumen dan pertumbuhan penjualan, tetapi juga mendorong penciptaan lapangan kerja baru serta penerapan praktik usaha berkelanjutan. Pemerintah berperan dalam memfasilitasi proses sertifikasi melalui biaya sertifikasi, pembinaan atau pendampingan, dan kerja sama dengan BPJPH serta LPPOM MUI Banten. Namun, penelitian ini juga menemukan hambatan berupa keterbatasan kuota, rendahnya literasi halal, serta kerumitan administrasi. Melalui kerangka Triple Helix, kolaborasi antar pemangku kepentingan terbukti relevan dalam membangun ekosistem halal yang inklusif, inovatif, dan berkelanjutan, selaras dengan tujuan SDG 8 (Pekerjaan Layak dan Pertumbuhan Ekonomi) serta SDG 12 (Konsumsi dan Produksi yang Bertanggung Jawab). Penelitian ini menekankan pentingnya sinergi berkelanjutan agar sertifikasi halal dapat memberikan kontribusi optimal terhadap pembangunan ekonomi lokal yang berkelanjutan.
Co-Authors Alimah Alda Fuadiyah Andi Muh Fachry Azzahrani Hafshah Valiandri Caecilia Sheryl Kusuma Dea Permatasari Hilman Hilman Juan Wody Romansa Julianda Jahid Muttaqin Nanda Melandri Nazwa Eka Putri Nazwa Jelita Soleha Osly Usman Raniyah Kamilah Romanus Mando Fransius Silaen Ryna Parlyna