Iva Khoiril Mala

@feb.um.ac.id

Management
Universitas Negeri Malang



              

https://researchid.co/ivamala18
2

Scopus Publications

231

Scholar Citations

7

Scholar h-index

7

Scholar i10-index

Scopus Publications

  • The impact of financial literacy, financial technology, and financial inclusion on SME business performance in Malang Raya, Indonesia
    Erna Retno Rahadjeng, Heri Pratikto, Imam Mukhlis, Nurika Restuningdiah, and Iva Khoiril Mala
    Conscientia Beam
    The purpose of this study is to determine the relationship between financial literacy, financial technology, and financial inclusion and the business performance of SMEs in Malang Raya, Indonesia. Looking at various cases related to financial progress, all of which are turning to technology to ensure time efficiency, there is a need for further development related to research on financial technology, and financial inclusion for SMEs' business performance in Malang Raya. The analysis in this study used bibliometrics and PLS. Bibliometrics is used to find relationships that will later become new things. Before the bibliometric analysis, this research looked for references to research through Publish or Perish, so more than 200 reputable journals based on electronics were found in accordance with this study. Furthermore, filters related to the scope are more specifically related to financial technology and the inclusion of SMEs' performance. So fintech is being discovered as a novelty between financial literacy and financial inclusion. The second analysis examines the influence of financial literacy, financial technology, and, financial inclusion on the business performance of SMEs. The results of this study using PLS show that financial literacy has a positive and significant effect on the business performance of SMEs. Financial technology does not affect SMEs' business performance, and lastly, financial inclusion has a positive and significant effect on SMEs' business performance. The limitation of this study is related to the object of research that still focuses on Malang Raya.

  • THE RISE STRATEGY MARKETING MSMES: TRANSFORMATION DIGITAL SEABANK AS BRANCHLESS BANKING IN INDONESIA
    Iva Khoiril Mala, Heri Pratikto, Madziatul Churiyah, Agung Winarno, Sudarmiatin, Budi Eko Soetjipto, and Adelia Rahma
    Conselho Nacional de Pesquisa e Pos-Graduacao em Direito - CONPEDI
    Purpose: The aim of this study is to examine Digital technology can be used to streamline business transactions, saving money and time. For example, if a company has branches in several cities, it is no longer a problem to transfer any transaction fields.   Theoretical framework:  There are challenges for MSMEs players who need to go digital, so they need to make adjustments to these problems.  This obstacle forces MSMEs actors to change their business model to a fully digital form.   Methodology: The research is the bibliometric. Data collection technique is to combine various research sources related to branchless banking as MSME empowerment and then narrow it down to find innovation. The subject of this research is MSMEs in Indonesia that use Seabank as a promotion method and transaction system. The analysis technique used is Vosviewer.   Findings: The results of this study are that Sea Bank is a banking service that prioritizes customer experience and business value to create a sales value chain to create connections between business models that will continue to grow. Then as a branchless banking-based digital bank. Sea Bank is a financial services company focused on customer experience and enterprise value to transform value chains and create links across business development models.   Research, Practical & Social implications: The is Bank Digital, Sea Bank is service banking Which prioritize experience customer And mark from business, so that can become chain mark For intertwine linkages between model business Which will Keep going develop. Then, as Bank Digital, Sea Bank is service finance Which focus on experience customer And mark company For transformed become value chains And create connection between model business Which develop.   Originality/value: The Value there are many studies that discuss digital transformation but we believe that the value of this research lies in the novelty of the awareness of MSMEs actors to increase its promotion by using the Brachless Banking Digital Bank, so that this topic can make it interesting.

RECENT SCHOLAR PUBLICATIONS

  • KEPEMIMPINAN WIRAUSAHA DAN PEMASARAN DIGITAL DALAM EKONOMI PASCA-MODERN: DEKONSTRUKSI FAKTOR-FAKTOR KEBERHASILAN
    C Anam, IK Mala, MS Ariefin
    BBM (Buletin Bisnis & Manajemen) 11 (1), 59-71 2025

  • STUDI KELAYAKAN UNTUK MENGEMBANGKAN SASARAN TERPADU DI SELURUH DEPARTEMEN
    BK Nafi'ah, IK Mala
    Multilingual: Journal of Universal Studies 5 (1), 129-144 2025

  • EVALUASI KELAYAKAN BISNIS PEMBIAYAAN SYARIAH DALAM MENINGKATKAN POTENSI EKONOMI DESA MELALUI BUMDES DI DESA SALAMWATES
    NK Husna, IK Mala, H Anam
    Multilingual: Journal of Universal Studies 5 (1), 91-102 2025

  • STUDI KELAYAKAN PENGEMBANGAN USAHA SHINSEKAI JAPANESE
    DR Ningrum, IK Mala
    Multilingual: Journal of Universal Studies 5 (1), 114-128 2025

  • ANALISA URGENSI DIGITALISASI DAN LAPORAN KEUANGAN BAGI UMKM
    A Maharani, IK Mala
    Multilingual: Journal of Universal Studies 5 (1), 145-157 2025

  • DAYA TAWAR KONSUMEN YANG MENINGKAT: TANTANGAN BARU BAGI PRODUSEN
    IK Mala, H Anam
    Multilingual: Journal of Universal Studies 5 (1), 103-113 2025

  • ANALISIS STADI KELAYAKAN BISNIS PADA USAHA MIKRO KECIL DAN MENENGAH (UMKM) BOLU KEMBOJO DITINJAU DARI ASPEK PEMASARAN DAN MANAJEMEN
    AA Nafisah, IK Mala, H Anam
    Multilingual: Journal of Universal Studies 5 (1), 175-185 2025

  • STRATEGI BISNIS PETERNAKAN SUSU SAPI PERAH DI DAERAH KABUPATEN BOYOLALI I DENGAN MENGGUNAKAN PARADIGMA ANALISIS SWOT
    CW Hidayah, IK Mala
    Jurnal Kajian Ilmiah Multidisipliner 8 (12) 2024

  • SUMBER MBAH UMPER: PENGEMBANGAN EKONOMI KREATIF DI KAWASAN WISATA PEMANCINGAN
    RI Nada, IK Mala
    Jurnal Kajian Ilmiah Multidisipliner 8 (12) 2024

  • The Effect of Product Diversity on Repurchase Intention with Brand Equity as a Mediating Variable at At-Tazkiyah Store Lirboyo
    CR Umah, IR Aysa, IK Mala
    Proceeding ICAMEKA: International Conference Accounting, Management 2024

  • Analysis of the Implications of Withdrawing Muhammadiyah Funds on the Decline of BSI Shares: A Literature Review
    Q Badriyah, IK Mala
    Proceeding ICAMEKA: International Conference Accounting, Management 2024

  • ANALISIS LINGKUNGAN INTERNAL DAN EKSTERNAL Studi Kasus: PT. Intan Periwara
    A Maharani, IK Mala
    Dinamika: Jurnal Manajemen Sosial Ekonomi 4 (2), 145-149 2024

  • E-Commerce-Based Creative Economy Development of BT Batik Trusmi Cirebon in Islamic Perspective
    DAI Lestari, IK Mala, FN Masithoh
    Proceeding ICAMEKA: International Conference Accounting, Management 2024

  • Analisis Kinerja Keuangan PT TELKOM Indonesia (PERSERO) TBK Melalui Analisis Rasio Keuangan Tahun 2020-2022
    AN Rizal, IK Mala
    Jurnal Kajian Ilmiah Multidisipliner 8 (10) 2024

  • ANALISIS STRATEGI PEMASARAN PEMPEK DALAM DIGITAL MARKETING
    DH Zakiyah, IK Mala
    Jurnal Kajian Ilmiah Multidisipliner 8 (7) 2024

  • PERAN PENTING PONDOK PESANTREN DALAM MENINGKATKAN KUALITAS UMKM
    M Irnasari, IK Mala
    Jurnal Kajian Ilmiah Multidisipliner 8 (7) 2024

  • KONSEP DASAR EKONOMI MAKRO ISLAM
    H Mukaromah, IK Mala
    Jurnal Kajian Ilmiah Multidisipliner 8 (7) 2024

  • FAKTOR YANG MEMPENGARUHI TINGKAT KEPUASAN UMKM SANTRI DARUSSALAM PUTRI 2 TERHADAP MENU MAKANAN DAN PELAYANAN WARUNG MAKAN KEMBAR AYU
    A Dwijayanti, IK Mala
    Jurnal Kajian Ilmiah Multidisipliner 8 (7) 2024

  • PENGARUH BRAND IMAGE DAN GAYA HIDUP TERHADAP KEPUTUSAN PEMBELIAN PADA KOPI JANJI JIWA DI DEPOK TOWN SQUARE
    VAP Sari, IK Mala
    Jurnal Kajian Ilmiah Multidisipliner 8 (7) 2024

  • PENGARUH KONSISTENSI IMPLEMENTASI STRATEGI FUNGSIONAL TERHADAP KINERJA ORGANISASI
    SA Bayan, IK Mala
    Jurnal Kajian Ilmiah Multidisipliner 8 (7) 2024

MOST CITED SCHOLAR PUBLICATIONS

  • Sokhifatussaniyah, & Sutantri.(2022). PENINGKATAN KESEJAHTERAAN MASYARAKAT TANI MELALUI PELATIHAN DAN PENDAMPINGAN ABON CABAI DI DUSUN TANGGUNG MULYO KEDIRI. BHAKTI: JURNAL
    SN Ma’rifah, I MALA
    Citations: 36

  • Grisvia Agustin.(2022). Santripreneurship: How Does the Digital Era of Independence Value during the Covid-19 Pandemic at Pondok Islamic Boarding School
    IK Mala, S Sutantri, N Purba Andy Wijaya
    International Journal of Innovative Science and Research Technology 7 (12
    Citations: 35

  • Meningkatkan kualitas SDM untuk mencapai keunggulan kompetitif perusahaan di era digital: Tren, inovasi, dan tantangan
    GS Aji, IK Mala
    Jurnal Manajemen Dan Ekonomi Kreatif 2 (3), 01-17 2024
    Citations: 19

  • E-Government: Efektivitas Pelayanan Aplikasi Pegadaian Digital Service Syariah Di Pegadaian Cabang Malang
    IK Mala
    Jurnal At-Tamwil: Kajian Ekonomi Syariah 3 (2), 154-166 2021
    Citations: 16

  • Pengembangan Model Bisnis Inklusif Berbasis Digital Untuk Pemberdayaan Ekonomi Masyarakat Melalui Baitul Maal Wal Tamwil (BMT)
    H Cahyono, S Sutantri, IK Mala
    Innovative: Journal of Social Science Research 4 (1), 1326-1341 2024
    Citations: 11

  • The impact of financial literacy, financial technology, and financial inclusion on SME business performance in Malang Raya, Indonesia
    ER Rahadjeng, H Pratikto, I Mukhlis, N Restuningdiah, IK Mala
    Journal of Social Economics Research 10 (4), 146-160 2023
    Citations: 11

  • The effect of family environment, entrepreneurship education and self-efficacy on entrepreneurial intention in Pondok Pesantren at throughout Malang, Indonesia
    IK Mala, H Pratikto, A Winarno
    International Journal of Business, Economics and Law 20 (5), 112-119 2019
    Citations: 10

  • Santripreneurship: Internalizing the values of independence in the digital era (case of Pondok Pesantren in Malang Raya)
    IK Mala, H Pratikto, A Winarno
    Indonesian Journal of Business and Entrepreneurship (IJBE) 6 (3), 282-282 2020
    Citations: 7

  • Strategi pemasaran konten dalam meningkatkan interaksi konsumen di media sosial
    NK Husna, IK Mala
    Ekonomika 12 (2), 21-31 2024
    Citations: 6

  • Digital Disruption: Exploring the Dynamics of Marketing in the Digital Age
    IKM Adi Masliardi, Marwan Effendi, Prissiani Andi Ningrum, Hasnidar Hasnidar
    S E I K O : Journal of Management & Business (SEJaman) 6 (2), 421-430 2023
    Citations: 6

  • MSME Strategy the Impact of Financial Literacy, Self-Efficacy, and Financial Attitudes in improving MSME Business Performance in Indonesia
    ER Rahadjeng, I Mukhlis, D Murwani, IK Mala
    Journal of Finance and Business Digital (JFBD) 2 (1), 65-80 2023
    Citations: 6

  • Manajemen Resiko Pengiriman Barang Online Menggunakan Sistem Pembayaran Cash on Delivery (COD)
    M Oktarina, IK Mala
    Digital Bisnis: Jurnal Publikasi Ilmu Manajemen dan E-Commerce 3 (2), 209-221 2024
    Citations: 5

  • Sudarmiatin, & Wardana, LW (2023). The Effect of Social Media Marketing, E-WoM on Purchase Intention Mediated by Brand Image and Brand Trust: Halal Product FnB MSMEs in Malang City
    IK Mala
    Indonesian Journal of Business Analytics 3 (5), 1939-1956
    Citations: 5

  • Peran ekonomi digital terhadap kinerja pasar modern di Indonesia
    DI Riyana, IK Mala, S Sutantri
    E-Bisnis: Jurnal Ilmiah Ekonomi Dan Bisnis 17 (1), 23-31 2024
    Citations: 4

  • Pengaruh Perencanaan Strategi dan Inovasi terhadap Kinerja pada Rumah Makan Pondok Indah
    AA Nafisah, IK Mala
    Jurnal Pendidikan Sejarah dan Riset Sosial Humaniora 4 (2), 243-252 2024
    Citations: 4

  • PENGARUH DIGITAL MARKETING TERHADAP PERILAKU KONSUMEN DI INDONESIA
    QE Hartati, IK Mala
    Jurnal Pendidikan Sejarah Dan Riset Sosial Humaniora 4 (2), 233-242 2024
    Citations: 4

  • Pengaruh Inovasi Produk Terhadap Keberhasilan Usaha Kecil Dan Menengah (UKM) Kuliner Di Kota Tangerang Selatan
    MR Armanda, IK Mala
    Jurnal Riset dan Inovasi Manajemen 2 (2), 122-136 2024
    Citations: 3

  • Pengaruh kualitas pelayanan dan produk terhadap kepuasan pelanggan dimediasi kebijakan harga di Koperasi Al Misky Pondok Pesantren Al Mahrusiyah Ngampel
    SR Maulidiya, IK Mala, S Sutantri
    Innovative: Journal Of Social Science Research 4 (2), 602-614 2024
    Citations: 3

  • Kontribusi Jconnect Sipandai dalam Meningkatkan Kualitas Pelayanan Nasabah (Studi Pada Bank Jatim Syariah Kota Kediri)
    PDE Muliyani, S Sutantri, IK Mala
    Jurnal Minfo Polgan 12 (2), 2597-2603 2023
    Citations: 3

  • Pengaruh Kualitas Pelayanan Terhadap Consumer Satisfaction Dimediasi Minat Pembelian
    M Husna, IK Mala, S Sutantri
    Dalwa Islamic Economic Studies: Jurnal Ekonomi Syariah 2 (2), 98-107 2023
    Citations: 3