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All Journal Indonesian Journal of Business and Entrepreneurship (IJBE) IJBE (Integrated Journal of Business and Economics) Abdimasku : Jurnal Pengabdian Masyarakat Community Development Journal: 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 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 Public Health Social Sciences Other

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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.
Minat Investasi Sebagai Pemediasi dalam Pengetahuan Investasi dan Perilaku Keuangan Terhadap Keputusan Investasi Mahasiswa Semarang Kusuma Wardhani, Arrum Gusti; Widiastuti, C. Tri; Meiriyanti, Rita
Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan Vol. 5 No. 3 (2025): Oktober: Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurimbik.v5i3.1338

Abstract

This study aims to determine the effect of investment knowledge and financial behavior on investment decisions with investment interest as a moderating variable for students in Semarang City. This type of research uses quantitative research with a population of students in Semarang City. This study uses a purposive sampling technique with special criteria, because the number of students is unknown, the sample is determined by multiplying a minimum sample of 10 by the number of indicators 14 and 140 respondents are obtained. Measurements using a linkert scale which is then processed on SmartPLS 3.0 using the SEM-PLS method. The results show that investment knowledge has a significant positive effect and financial behavior does not have a significant effect on investment decisions. And investment interest as a moderating variable strengthens the influence of investment knowledge and financial behavior on investment decisions.
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 : 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.
SWOT Analysis of Batik Semarangan Competitiveness in The Disruption Era Widiastuti, C. Tri; Santoso, Aprih
Indonesian Journal of Business and Entrepreneurship Vol. 8 No. 3 (2022): IJBE, Vol. 8 No. 3, September 2022
Publisher : School of Business, IPB University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/ijbe.8.3.430

Abstract

The unique feature of batik semarangan lies in the concept of colour according to the characteristic of Semarang. This study aims to analyze the strengths, weaknesses, opportunities, and threats of the batik semarangan competitiveness in the era of disruption. A research method is a qualitative approach using primary data, namely data obtained directly from the object under study through procedures and data collection techniques in the form of observation and structured interviews. The data analysis technique used is SWOT analysis (strengths, Weaknesses, Opportunities, and Threats). The validity test of the data includes the credibility test (internal validity) and the triangulation of sources. The results showed that (1) the strengths are the quality of batik, a very strategic location and support from the government to improve its business, and good relations with suppliers; (2) the weaknesses are the production process with simple technology, the lack of marketing for batik products, as well as elderly human resources with common knowledge; (3) the opportunity is that marketing is still extensive and can be done online; (4) the threat is the lack of regeneration of batik craftsmen, batik printing at lower prices. Business actors should increase their skills and creativity, improve product quality, and develop online marketing to increase competitiveness. This study also revealed several managerial implications, which are 1) policymakers must be present and participate in decision making, 2) ease of access to information, promotion and collaboration with batik business actors in big cities, 3) training and assistance to increase innovation and creativity, and 4) encouraging improved branding of batik semarangan. Keywords: disruption era, batik semarangan, competitiveness, SWOT
Pengaruh Non Performing Loan dan Loan to Deposit Ratio Terhadap Kinerja Keuangan dengan Net Interest Margin Sebagai Variabel Intervening: Studi pada Bank BUMN yang Terdaftar di IDX Nofiyati, Rizqi Amaliya; Widiastuti, C. Tri; Meiriyanti, Rita
Jurnal Riset Rumpun Ilmu Ekonomi Vol. 4 No. 2 (2025): Oktober: Jurnal Riset Rumpun Ilmu Ekonomi
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurrie.v4i2.6232

Abstract

This study aims to analyze the effect of Non-Performing Loans (NPLs) and the Loan-to-Deposit Ratio (LDR) on bank financial performance, as measured by Return on Assets (ROA), with Net Interest Margin (NIM) as an intervening variable in banking companies listed on the Indonesia Stock Exchange during the 2021-2023 period. The research method used is quantitative research with a causal-comparative approach. The data used in this study is secondary data sourced from the financial reports of banking companies accessible through the official IDX website. The population in this study is banking sector companies listed on the Indonesia Stock Exchange, with a sample of 35 companies selected using a purposive sampling method based on certain criteria. The independent variables in this study are Non-Performing Loans (X1) and Loan to Deposit Ratio (X2), while the dependent variable is Return on Assets (Y) and the intervening variable is Net Interest Margin (Z). Data analysis techniques in this study use panel data regression, classical assumption tests, t-tests, coefficients of determination, and Sobel tests. The results of this study indicate that NPL has no effect on NIM, while LDR has an effect on NIM, NPL has an effect on ROA, LDR has no effect on ROA, NIM has an effect on ROA, NIM does not mediate the relationship between NPL and ROA, and NIM mediates the relationship between LDR and ROA.
Pemberdayaan Masyarakat Melalui Literasi Keuangan dan Pembukuan Bank Sampah Digital: Pengabdian Widiastuti, C. Tri; Efriyani Sumastuti; Ika Indriasari; Antono Herry Purnomo Adhi; David Firna Setiawan; Rizqi Dian Saputra; Eva Yuliana Putri; Nafis Suroyya
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 2 (2025): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 2 (October 202
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i2.3042

Abstract

Kegiatan PkM dilaksanakan di Kelurahan Mlatiharjo Semarang Kecamatan Semarang Timur, dimana masyarakat setempat masih memiliki keterbatasan pengetahuan dalam pengelolaan keuangan sampah. Tujuannya untuk memberikan edukasi literasi keuangan, pembukuan dengan menggunakan Ms. Excel. Kegiatan diikuti 25 peserta dan dilakukan dalam lima tahap: 1) tahap sosialisasi dilakukan untuk mensosialisasikan program, 2) tahap edukasi, pelatihan dan pendampingan untuk memberikan pengetahuan keuangan secara teori dan praktek, 3) tahap IPTEK yaitu menerapkan teknologi dalam melakukan kegiatan pembukuan, 4) tahap evaluasi dilakukan dengan pretest dan posttest, 5) tahap keberlanjutan. Hasil kegiatan menunjukkan adanya peningkatan pengetahuan tentang pengelolaan keuangan dan mampu mengoperasikan Ms Excel. Hal ini ditunjukkan pada hasil evalusai pretest dan posttes dimana 18 peserta (72%) menunjukkan peningkatan skor, sedangkan 7 peserta (28%) berada pada kondisi tetap, dan tidak ada peserta yang mengalami penurunan. Peserta juga diberikan pendampingan untuk memberikan solusi masalah yang timbul setelah pelatihan.
Effects of Financial Literacy, Risk Tolerance, and Herding on Gen Z IPO Decisions Moderated by Prospectus Information Sukmawati, Ayu; Prabowo, Heri; Widiastuti, C. Tri
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.4390

Abstract

This study aims to analyze the influence of financial literacy, risk tolerance, and herding behavior on the investment decisions of Generation Z in IPO stocks, with prospectus information serving as a moderating variable. The research adopts a quantitative approach involving 180 Gen Z investors in Semarang City who purchased IPO stocks during the period of 2023 to 2025. Data were collected through a structured questionnaire and analyzed using SmartPLS version 4 to assess both the measurement model and the structural model. The findings reveal that financial literacy and herding behavior do not exhibit a significant direct effect on investment decisions. In contrast, risk tolerance shows a positive and significant influence, indicating that individuals with a higher ability to accept risk tend to make more decisive investment choices in IPO stocks. Furthermore, prospectus information does not moderate the relationship between financial literacy or risk tolerance and investment decisions, suggesting that the availability of information does not necessarily enhance the impact of these variables. Interestingly, prospectus information is found to strengthen the influence of herding behavior on investment decisions. This indicates that when investors are exposed to clear, detailed, and credible information, their tendency to follow the actions of the majority becomes more pronounced. Overall, the study highlights that psychological aspects, particularly risk tolerance play a crucial role in shaping Gen Z’s investment behavior, while informational factors may interact differently depending on the nature of the investor's behavioral tendencies.
Pengaruh Workload dan Work Environment terhadap Kinerja Karyawan dengan Stres kerja Sebagai Variabel Intervening Yusnita, Tania Aulia; Sumastuti, Efriyani; Widiastuti, C. Tri
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.4397

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh workload dan work environment terhadap kinerja karyawan dengan stres kerja sebagai variabel intervening pada Bank BRI Kantor Cabang Semarang Pattimura. Latar belakang penelitian ini didasarkan pada adanya penurunan kinerja karyawan selama tiga tahun terakhir, yang tercermin dari meningkatnya jumlah karyawan dengan predikat kinerja “cukup” serta menurunnya kategori “baik” dan “sangat baik”. Kondisi tersebut mengindikasikan adanya permasalahan internal organisasi yang perlu dikaji secara empiris. Penelitian ini menggunakan pendekatan kuantitatif dengan populasi sebanyak 102 karyawan, di mana seluruh populasi dijadikan sampel melalui teknik saturated sampling. Pengumpulan data dilakukan menggunakan kuesioner dengan skala Likert, sedangkan analisis data dilakukan dengan metode Partial Least Square (PLS) menggunakan perangkat lunak SmartPLS versi 3.0. Hasil penelitian menunjukkan bahwa workload berpengaruh positif dan signifikan terhadap kinerja karyawan, sedangkan work environment tidak berpengaruh signifikan terhadap kinerja karyawan. Selain itu, stres kerja terbukti berpengaruh positif dan signifikan terhadap kinerja karyawan serta mampu memediasi hubungan antara workload dan work environment terhadap kinerja karyawan. Temuan ini mengindikasikan bahwa beban kerja yang dikelola secara tepat dapat meningkatkan produktivitas karyawan, sementara lingkungan kerja tidak secara langsung menentukan peningkatan kinerja. Stres kerja berperan sebagai mekanisme psikologis penting yang menjembatani pengaruh beban kerja dan lingkungan kerja terhadap hasil kerja karyawan. Oleh karena itu, pengelolaan stres kerja yang efektif menjadi strategi krusial bagi organisasi dalam meningkatkan kinerja karyawan secara berkelanjutan.
PENGARUH FINANCIAL TECHNOLOGY DAN INKLUSI KEUANGAN TERHADAP KINERJA KEUANGAN YANG DIMEDIASI OLEH LITERASI KEUANGAN PADA USAHA MIKRO KECIL MENENGAH (UMKM) DI KOTA SEMARANG Aisya, Rezky; Meiriyanti, Rita; Widiastuti, C. Tri
Jurnal Manajemen dan Profesional Vol. 6 No. 3 (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.v6i3.2650

Abstract

This study aims to explore the connection between financial literacy, financial inclusion, and financial technology and financial performance. It also looks at whether financial literacy mediates the link between financial technology, financial inclusion, and financial performance, as well as if financial literacy impacts financial technology and financial inclusion. The research population consists of MSMEs in Semarang City, and 95 MSMEs in the Food and Beverage (FnB) sector in West Semarang were selected as a sample because of the researcher's proximity. A quantitative descriptive research approach was used in this investigation. The findings demonstrate that financial technology and financial inclusion have a major and positive influence on the financial performance of MSMEs in Semarang City. However, financial literacy is not much impacted by financial technology or financial inclusion. Instead, financial literacy impacts financial performance, and financial technology and financial inclusion have a positive and significant impact on financial performance through financial literacy.
Pengaruh Kualitas Produk, Harga, dan Strategi Pemasaran Terhadap Daya Beli Masyarakat dengan Kepuasan Konsumen sebagai Variabel Intervening Priscaya, Ulita; Widiastuti, C. Tri; Dharmaputra, M. Fadjar
Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan Vol. 6 No. 1 (2026): Februari : Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurimbik.v6i1.1506

Abstract

This study aims to analyze the influence of product quality, price, and marketing strategy on consumer purchasing power with customer satisfaction as a mediating variable. The research was conducted on customers of Bike A Holic Semarang using a quantitative approach. Data collection was carried out through the distribution of questionnaires to 228 respondents using purposive sampling. Data were analyzed using statistical software and the Structural Equation Modeling (SEM) method with a Partial Least Square (PLS) approach. The results indicate that product quality, price, and marketing strategy have a positive effect on customer satisfaction. Furthermore, customer satisfaction significantly influences consumer purchasing power. However, not all variables directly impact purchasing power; some influence it only through customer satisfaction as a mediating variable. These findings highlight the importance of enhancing customer satisfaction to optimize consumer purchasing power.
Co-Authors Aisya, Rezky Ambarwati, Putri Antono Herry Purnomo Adhi Aprih Santoso Aprilia, Mila Bunyamin Bunyamin Chikam, David Badi’ul Darmaputra, Mochamad Fadjar David Firna Setiawan Dharmaputra, M. Fadjar Dwi Widjanarko Efriyani Sumastuti Emaya Kurniawati, Emaya Eva Yuliana Putri Gusmao, Cristino Heri Prabowo Heri Yudiono Hidayat, Hanif Indriasari, Ika Ira Setiawati, Ira Irham, Deris Islah, Zainul Khusaeni, Khusaeni Kusuma Wardhani, Arrum Gusti Meiriyanti, Rita Musyono, Ari Dwi Nur Indriawan Nafis Suroyya Nofiyati, Rizqi Amaliya 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 Yanto, Muhammad Arrry Yusnita, Tania Aulia