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Sponsored Artificial Intelligence: A Modern Approach, Global Edition Artificial Intelligence: A Modern Approach, Global Edition

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Johny Budiman

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2 papers indexed here

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Open access Aug 2026

The Influence of Financial Literacy and Financial Anxiety on Access to Islamic Financing, Mediated by Risk Attitude

Access to Islamic financing remains a challenge for Sharia financial institutions, even as the industry and Sharia banks continue to grow. Although the majority of the Indonesian population is Muslim, this does not mean that everyone uses Sharia banks. Factors such as financial literacy, financial anxiety, and risk att...

Dewi Khornida Marheni, Nurlaila, Johny Budiman · 0 citations
Open access Aug 2026

The Influence of FinTech Continuance Intention, Financial Access, Financial Literacy, and Innovation on Microenterprise Sustainability

Microenterprises play a vital role in economic development in Indonesia, especially in creating jobs and supporting the local economy. The majority of microenterprises, especially in the food sector, still suffer from financial literacy, limited access to finance and financial technology (FinTech), and low innovation l...

Johny Budiman, L. Liana, Hesniati Hesniati · 0 citations

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