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All Journal Indonesian Journal of Business and Entrepreneurship (IJBE) IJBE (Integrated Journal of Business and Economics) Abdimasku : Jurnal Pengabdian Masyarakat Jurnal Ilmu Manajemen Retail Universitas Muhammadiyah Sukabumi (JIMAT UMMI) Jurnal Manajemen dan Profesional Bussman Journal : Indonesian Journal of Business and Management Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan JAMBURA: JURNAL ILMIAH MANAJEMEN DAN BISNIS Balance : Jurnal Akuntansi dan Manajemen Economic Reviews Journal Journal of Artificial Intelligence and Digital Business Jurnal Riset Rumpun Ilmu Ekonomi (JURRIE) Jurnal IlmiahManajemen, Bisnis dan Ekonomi Kreatif Jurnal Pengabdian Tri Bhakti Jurnal Pengabdian Masyarakat dan Riset Pendidikan Moneta : Journal of Economics and Finance
Widiastuti, C. Tri
Unknown Affiliation
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Peningkatan Produktifitas UKM Brambang Goreng Berkah Arsetyaji melalui Penerapan Mesin Pengiris Bawang Yudiono, Heri; Sudiyono, Sudiyono; Musyono, Ari Dwi Nur Indriawan; Widiastuti, C. Tri; Widodo, Alvero Pratama; Nugroho, Ardiles; Islah, Zainul
ABDIMASKU : JURNAL PENGABDIAN MASYARAKAT Vol 7, No 2 (2024): MEI 2024
Publisher : LPPM UNIVERSITAS DIAN NUSWANTORO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62411/ja.v7i2.2224

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan membantu menyelesaikan permasalahan produktifitas yang muncul dari mitra usaha UKM Brambang Goreng Berkah Arsetyaji di Kelurahan Mlatiharjo Semarang. Mitra usaha yang akan menjadi sasaran kegiatan pengabdian ini adalah mitra usaha kecil yang memproduksi olahan makanan bawang merah goreng. Mitra usaha mempunyai permasalahan proses produksi yaitu pemotongan/pengirisan bawang merah yang membutuhkan waktu lama dan ukuran ketebalan yang tidak seragam. Luaran yang akan dicapai dalam kegiatan ini adalah menerapkan alat teknologi tepat guna mesin pengiris bawang merah yang lebih efisien dengan konsumsi daya yang sesuai dengan pasokan listrik rumah tangga 200 Watt, sehingga nantinya hasil proses produksi meningkat baik dari segi kualitas maupun kuantitas produk olahan. Hasil kegiatan diharapkan mitra usaha mampu meningkatkan kuantitas maupun kualitas dari produk hasil olahan bawang merah goreng. Dengan meningkatnya kuantitas maupun kualitas produk dari usaha kecil tersebut, secara tidak langsung mampu meningkatkan produksi sekaligus meningkakan pendapatan dan kesejahteraan bagi mitra usaha bawang merah goreng.
Determinan Pembelian Impulsif Di Ane Thrift Store Semarang Widiastuti, C. Tri; Aprilia, Mila
Jurnal Ilmiah Manajemen Bisnis dan Ekonomi Kreatif Vol. 4 No. 1 (2025): Jurnal Ilmiah Manajemen, Bisnis dan Ekonomi Kreatif
Publisher : Fakultas Ekonomi dan Bisnis Universitas PGRI Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26877/jibeka.v4i1.1298

Abstract

Abstract The goal of this study was to look into the impact of price decreases, bonus packages, and retail displays on impulse buying. The independent factors in this study are price reduction (X1), bonus packages (X2), and in-store displays (X3), whereas the dependent variable is impulse purchase decisions (Y). The study's population included all clients who shopped at Ane Thrift Store Semarang. The study's sample size was 100 respondents, determined by purposive sampling. The research strategy was quantitative, with data collected via questionnaires. The data was analyzed using multiple regression analysis. According to the findings of this study, price reduction has a favorable and significant impact on impulse purchases. Bonus packages have a meaningful but not statistically significant impact on impulse purchases. Store displays have a beneficial and positive influence on impulse purchases. This study's findings can help create marketing and consumer behavior theories about the role of price decreases, incentive packages, and in-store displays. It is envisaged that business actors could identify the best strategy for increasing impulse purchases. Abstrak Tujuan dari penelitian ini adalah untuk menyelidiki dampak potongan harga, paket bonus, dan pajangan toko terhadap pembelian impulsif. Variabel independen dalam penelitian ini adalah potongan harga (X1), bonus kemasan (X2), dan pajangan toko (X3), dan variabel dependen adalah keputusan pembelian impulsif (Y). Populasi penelitian ini terdiri dari semua pelanggan yang berbelanja di Ane Thrift Store Semarang. Ukuran sampel penelitian adalah 100 responden, dan purposive sampling digunakan untuk menentukan jumlah responden. Pendekatan penelitian dengan metode kuantitatif, dengan data yang dikumpulkan melalui kuesioner. Analisis regresi berganda digunakan sebagai metode analisis. Menurut temuan penelitian ini, potongan harga memiliki efek yang meyakinkan terhadap keputusan pembelian impulsif. Paket bonus mempunyai dampak nyata tetapi tidak signifikan secara statistik pada keputusan pembelian impulsif. Pajangan toko memiliki dampak yang bagus dan positif terhadap keputusan pembelian impulsif. Implikasi penelitian yakni mengembangkan teori pemasaran dan perilaku konsumen yang terkait dengan peran diskon harga, paket bonus, dan tampilan di dalam toko. Digharapkan pelaku usaha mampu menentukan strategi yang tepat untuk meningkatkan pembelian impulsive.
PKM Usaha Kecil Bandeng Presto di Kelurahan Mlatibaru Kecamatan Semarang Timur Kota Semarang Widyaswati, Rahmatya; Widiastuti, C. Tri; Meiriyanti, Rita
Jurnal Pengabdian Tri Bhakti Vol 2 No 2 (2020): Jurnal Pengabdian Tri Bhakti
Publisher : Lembaga Pengabdian kepada Masyarakat Universitas Langlangbuana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36555/tribhakti.v2i2.1520

Abstract

The focus of the implementation of this PKM is the development of small-scale presto milkfish businesses in Mlatibaru Village, East Semarang District, Semarang City so that it can grow with improvements in business management. In accordance with the problems faced, the solution given to partners is to improve business management including: 1. Production aspects, 2. financial aspects, 3. Marketing aspects. The solution given is the use of tools with larger capacities, from a financial point of view, the application of simple bookkeeping using the Microsoft Excel application, and from a marketing aspect, the use of online media and attractive packaging. The method in this PKM activity consists of training activities and workshops. The training activities carried out include 1) basic accounting and bookkeeping training 2) bookkeeping training with the Microsoft Excel application 3) Online marketing training. The main activities of this community service include basic financial training and excel bookkeeping, online marketing, product packaging, web creation, addition of appropriate technology to support the production process. MSME players get new insights, know and are motivated to run a business through simple bookkeeping and recording with excel. Business actors also understand that online marketing is currently very important in product marketing, so they inevitably have to keep up with the times if they want their business to grow.
PENGARUH BEBAN KERJA, LINGKUNGAN KERJA, DAN KONTROL DIRI TERHADAP PERILAKU CYBERLOAFING DIMEDIASI STRES KERJA (STUDI KASUS PADA DINAS KOPERASI UKM JATENG) Irham, Deris; Darmaputra, Mochamad Fadjar; Widiastuti, C. Tri
JAMBURA: Jurnal Ilmiah Manajemen dan Bisnis Vol 8, No 1 (2025): JIMB - VOLUME 8 NOMOR 1 MEI 2025
Publisher : Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37479/jimb.v8i1.32032

Abstract

Penelitian ini dimaksudkan untuk meneliti Beban Kerja, Lingkungan Kerja dan Kontrol Diri Terhadap Perilaku Cyberloafing dengan Stres Kerja Sebagai Variabel Mediasi. Populasi yang digunakan dalam penelitian ini adalah pegawai Dinas Koperasi Ukm Jawa Tengah. Sampel yang digunakan dalam penelitian ini sebanyak 129 responden. Adapun teknik analisis data menggunakan metode analisis persamaan Structural Equation Modeling (SEM) dengan memanfaatkan software SmartPLS versi 3.2.9. Hasil menyatakan bahwa variabel beban kerja memiliki pengaruh terhadap stres kerja dengan nilai P value 0,000, lingkungan kerja berpengaruh terhadap stres kerja dengan nilai P value 0,000, serta kontrol diri tidak berpengaruh terhadap stres kerja karena memiliki nilai P value 0,639, dan stres kerja berpengaruh terhadap cyberloafing dengan nilai P value 0,000. Kemudian untuk hipotesis pengaruh beban kerja dimediasi stres kerja terhadap cyberloafing dinyatakan tidak diterima dengan nilai P value 0,183, pengaruh lingkungan kerja dimediasi stres kerja terhadap cyberloafing dinyatakan di terima dengan nilai P value 0,000, serta hipotesis pengaruh kontrol diri dimediasi stres kerja terhadap cyberloafing di nyatakan terima dengan nilai 0,000.
Financial Literacy, Usage of Pay-Later Services, and Impulse Buying: The Mediating Role of Shopping Habits Widiastuti, C. Tri; Sumastuti, Efriyani
Indonesian Journal of Business and Entrepreneurship Vol. 11 No. 2 (2025): IJBE, Vol. 11 No. 2, May 2025
Publisher : School of Business, IPB University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/ijbe.11.2.479

Abstract

Background: SPayLater, a Shopee digital payment feature, enables users to buy now and pay later, shaping Generation Z’s shopping habits and contributing to impulsive buying tendencies. Financial literacy plays a crucial role in managing personal finances and avoiding unplanned purchases.Purpose: This study examines the effect of financial literacy and SPayLater usage on impulse buying, with shopping habits serving as a mediating variable among Generation Z consumers in Semarang.Design/methodology/approach: The current study used a quantitative approach, with 100 respondents from Generation Z in Semarang. The survey was conducted using probability sampling with the purposive sampling technique, and the number of respondents was determined using the Cochran formula. Data was collected and analyzed using Smart PLS 3.0.Findings/Results: The results show that financial literacy, SPayLater usage, and shopping habits significantly influence impulse buying. Furthermore, shopping habits mediate the relationships between both financial literacy and SPayLater usage with impulsive buying behavior.Conclusion: Improving financial literacy among Generation Z in Semarang is essential to better regulate shopping habits and reduce impulse buying. Awareness of the risks associated with digital payment tools supports wiser financial decisions.Originality/value: This research emphasizes the mediating role of shopping habits in the relationship between financial literacy and impulse buying, offering new insights into consumer behavior in the context of digital credit services. Keywords: financial literacy, Generation Z, impulse buying, shopping habits, usage of pay-later services
TRUST SEBAGAI INTERVENING: MENELUSURI FAKTOR KEPUTUSAN PENGGUNAAN BRIMO MOBILE BANKING Wibowo, Fajar Pramudya; Setiawati, Ira; Widiastuti, C. Tri
Jurnal Manajemen dan Profesional Vol. 6 No. 1 (2025): Jurnal JPro
Publisher : Program Studi Manajemen Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32815/jpro.v6i1.2414

Abstract

: Penelitian ini bertujuan untuk menganalisis pengaruh persepsi manfaat dan persepsi kemudahan penggunaan terhadap keputusan penggunaan aplikasi mobile banking BRImo, dengan kepercayaan (trust) sebagai variabel intervening. Metode penelitian yang digunakan adalah kuantitatif dengan pendekatan kausalitas. Data diperoleh melalui kuesioner yang disebarkan secara daring kepada 170 responden nasabah Bank Rakyat Indonesia di Kabupaten Brebes. Analisis data dilakukan menggunakan SEM-PLS dengan bantuan perangkat lunak SmartPLS. Hasil penelitian menunjukkan bahwa persepsi manfaat dan kemudahan penggunaan berpengaruh positif signifikan terhadap kepercayaan. Selain itu, persepsi manfaat dan kepercayaan juga berpengaruh langsung terhadap keputusan penggunaan, sementara persepsi kemudahan pengguna tidak berpengaruh langsung terhadap keputusan tersebut. Temuan ini juga membuktikan bahwa trust memediasi hubungan antara persepsi manfaat dan kemudahan terhadap keputusan penggunaan BRImo.
Beyond the Click: A Deep Dive into Factors Influencing Digital Paylater Kurniawati, Emaya; Suratman, Suratman; Widiastuti, C. Tri; Gusmao, Cristino
Integrated Journal of Business and Economics (IJBE) Vol 9, No 2 (2025): Integrated Journal of Business and Economics
Publisher : Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/ijbe.v9i2.1079

Abstract

This study explores key factors influencing Generation Z's intention to use digital pay-later services, focusing on perceived risk, ease of use, and financial technology (fintech) literacy. Specifically, it examines how perceptions of risk and ease of use affect usage intentions through the mediating role of fintech literacy. A quantitative research design and partial least squares (PLS) analysis were used to analyze survey data collected from Generation Z university students. The findings indicate that perceived ease of use significantly enhances intention to adopt digital pay-later services, whereas perceived risk demonstrates a more complex, indirect effect moderated by fintech literacy. Fintech literacy partially mediates the impact of both perceived risk and ease of use, highlighting the critical role of financial knowledge in fostering responsible digital pay-later adoption. These insights suggest that providers of digital pay-later services should focus on educational initiatives and design user-friendly products to meet the financial literacy needs of Generation Z consumers.  
Transparansi dan Akuntabilitas terhadap Pengelolaan Alokasi Dana Desa dengan Good Governance sebagai Variabel Intervening Suciana, Sinta; Widiastuti, C. Tri; Meiriyanti, Rita
Balance : Jurnal Akuntansi dan Manajemen Vol. 4 No. 2 (2025): Agustus 2025
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jam.v4i2.943

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh transparansi dan akuntabilitas terhadap pengelolaan alokasi dana desa dengan good governance sebagai variabel intervening. Penelitian dilakukan di Desa Dombo, Kecamatan Sayung, Kabupaten Demak. Metode yang digunakan adalah kuantitatif dengan pendekatan deskriptif asosiatif. Sampel sebanyak 98 responden ditentukan melalui teknik purposive sampling. Data dikumpulkan menggunakan kuesioner dan dianalisis dengan alat bantu SmartPLS versi 3.0. Hasil penelitian menunjukkan bahwa transparansi dan akuntabilitas berpengaruh positif dan signifikan terhadap pengelolaan alokasi dana desa. Selain itu, good governance terbukti secara signifikan memediasi pengaruh transparansi dan akuntabilitas terhadap pengelolaan dana desa. Temuan ini memperkuat pentingnya penerapan prinsip-prinsip good governance dalam meningkatkan efektivitas dan efisiensi pengelolaan keuangan desa. Penelitian ini memberikan kontribusi teoritis terhadap tata kelola keuangan desa dan dapat menjadi rujukan bagi pemerintah desa dalam mewujudkan tata kelola yang transparan, akuntabel, dan partisipatif.
PENGARUH KUALITAS PRODUK DAN SOCIAL MEDIA MARKETING TERHADAP KEPUTUSAN PEMBELIAN DENGAN MINAT BELI SEBAGAI VARIABEL INTERVENING: STUDI PADA PENGGUNA PRODUK SKINCARE MS GLOW DI KABUPATEN PATI Ambarwati, Putri; Prabowo, Heri; Widiastuti, C. Tri
Bussman Journal : Indonesian Journal of Business and Management Vol. 5 No. 2 (2025): Bussman Journal | Mei - Agustus 2025
Publisher : Gapenas Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53363/buss.v5i2.447

Abstract

This study aims to determine the effect of product quality, social media marketing on decisions with purchase intention as an intervening variable in users of MS Glow skincare products in Pati Regency. The population used is all users of MS Glow skincare products in Pati Regency. This study uses non-probability sampling techniques, namely purposive sampling where the sample is taken based on certain criteria that must be met and the sample used is 97 respondents. This study uses the Partial Least Square-Structural Equation Modeling (PLS-SEM) method, which is run with the help of SmartPLS version 3.0 software. to analyze the data. Based on the results of the study, it shows that the variables of product quality and social media marketing have no significant effect on purchasing decisions. Product quality and social media marketing variables have a positive and significant effect on purchase intention. The purchase interest variable has a positive and significant effect on purchasing decisions. Purchasing interest variables can mediate the effect of product quality on purchasing decisions. The purchase interest variable cannot mediate the effect of social media marketing on purchasing decisions
Systemic Barriers and Opportunities in Financial Inclusion: Lessons from Developing Regions Widiastuti, C. Tri
Moneta : Journal of Economics and Finance Vol. 3 No. 2 (2025): April 2025
Publisher : Indonesian Scientific Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61978/moneta.v3i2.917

Abstract

Financial inclusion has gained global recognition as a cornerstone of sustainable economic development, particularly in developing economies where large segments of the population remain excluded from formal financial systems. This narrative review aims to synthesize evidence on the roles of microfinance, mobile banking, and policy approaches in advancing financial inclusion. A systematic search of academic databases, including Scopus, Google Scholar, and Web of Science, was conducted using targeted keywords to identify relevant studies published between 2010 and 2025. Inclusion criteria emphasized peer-reviewed works addressing financial access in developing countries, while methodological diversity encompassed quantitative, qualitative, and mixed-methods studies. Findings indicate that microfinance significantly supports poverty alleviation and women’s empowerment, though results vary across contexts and sometimes lead to over-indebtedness. Mobile banking demonstrates strong potential to expand financial access by lowering transaction costs and overcoming geographic barriers, with notable successes in India, Bangladesh, and Kenya. National policy frameworks create enabling environments that integrate financial innovations into broader economic strategies, yet challenges remain in ensuring active usage and consumer protection. Systemic barriers, including weak infrastructure, inconsistent regulation, and low digital literacy, persist as major obstacles. The discussion highlights the need for gender-sensitive policies, expanded literacy initiatives, and investments in infrastructure. Future research should examine long-term outcomes of inclusion strategies and the potential of emerging technologies such as blockchain. Overall, the review concludes that sustainable and inclusive financial systems require coordinated interventions that align access, capacity, and governance to achieve transformative impact.
Co-Authors Aisya, Rezky Ambarwati, Putri Anggreni, Febriya Sista Antono Herry Purnomo Adhi Aprih Santoso Aprilia, Mila Ari Dwi Nur Indriawan Musyono Darmaputra, Mochamad Fadjar David Firna Setiawan Dharmaputra, M. Fadjar Efriyani Sumastuti Emaya Kurniawati, Emaya Eva Yuliana Putri Gusmao, Cristino Heri Prabowo Heri Yudiono Indriasari, Ika Ira Setiawati, Ira Irham, Deris Islah, Zainul Kusuma Wardhani, Arrum Gusti Meiriyanti, Rita Nafis Suroyya Nofiyati, Rizqi Amaliya Nugroho, Aditiya Pratama Nugroho, Ardiles Priscaya, Ulita Qristin violinda Rita Meiriyanti Rizqi Dian Saputra Suciana, Sinta Sudiyono Sudiyono Sukmawati, Ayu Suratman Suratman Tyastuti, Ervinda Silvi Wibowo, Fajar Pramudya Widodo, Alvero Pratama Widyaswati, Rahmatya Yusnita, Tania Aulia