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Author

W. Mawardi

2 papers indexed here

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Review Open access Aug 2026

Entrepreneurial and Firm Determinants of SME Growth through Behavior Based Financial Technology Innovation

This paper empirically explores the relationship between the characteristics of the business and the characteristics of the entrepreneur and the growth of the business in Small and Medium Enterprises (SMEs), with behavior-based financial technology innovation as the mediator. The theories of financial technology, the R...

E. Tarigan, Harjum Muharam, W. Mawardi · 1 citation
Open access Sep 2026

The Effect of Operational Efficiency and Capital Adequacy on Profitability and Credit Risk: Indonesian Evidence

Banking stability depends on banks’ ability to maintain operational efficiency and adequate capital while managing the trade-off between profitability and credit risk. This study aims to examine the impact of operational efficiency, measured by the Operating Expenses to Operating Income ratio (BOPO), and capital adequa...

Riefky Bagus Destianto, Rangga Jati Kusuma, W. Mawardi · 0 citations

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