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All Journal JIA (Jurnal Ilmiah Akuntansi) JASF (Journal of Accounting and Strategic Finance) Jurnal Pengabdian Bisnis dan Akuntansi Soedirman Business, Accounting and Management Journal FORUM EKONOMI: Jurnal Ekonomi, Manajemen dan Akuntansi
Purwaningtyas, Putri
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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Determinants of Macroeconomic Variables and HDI on Indonesia's GDP Using the ARDL Method Wine, Wine; Rahajuni, Dijan; Sambodo, Herman; Purwaningtyas, Putri
FORUM EKONOMI: Jurnal Ekonomi, Manajemen dan Akuntansi Vol. 27 No. 3 (2025): Juli
Publisher : FEB Universitas Mulawarman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/jfor.v27i1/3538

Abstract

The successful performance of economic development is calculated by constant price economic growth or real Gross Domestic Product (GDP). Indonesia's GDP value from 1990-2021 tends to increase, but its growth fluctuates. This study aims to analyze the effect of macroeconomic variables including household consumption, foreign investment, domestic investment, economic openness and the Human Development Index (HDI) on Indonesia's GDP in the short and long term 1990-2021. The analysis technique uses Autoregressive Distributed Lag (ARDL). Analysis through the EViews application results: 1). In the short term, the consumption variable has a positive impact on Indonesia's GDP. Foreign investment, on the other hand, has a negative impact. Domestic investment shows a significant positive effect, while economic openness has a significant negative effect on GDP. Additionally, the Human Development Index (HDI) variable demonstrates a significant negative impact on Indonesia's GDP in the short term.; 2). Looking at the long term, only the HDI variable exhibits a significant positive effect on Indonesia's GDP. The implications of increasing GDP and economic growth, leading to higher consumption in society in the short term, necessitate the implementation of policies aimed at improving the wage system and social security. Moreover, attracting foreign investment becomes crucial in sectors where the government and domestic investors cannot operate effectively. For domestic investment, it is essential to deregulate investment arrangements and encourage more proactive investment services to support increased productivity and meet domestic needs. Economic openness can be achieved by boosting exports of finished goods rather than raw materials. Simultaneously, efforts to improve the Human Development Index (HDI) must be evenly distributed both in the short and long term
DAMPAK PELATIHAN DIGITAL MARKETING TERHADAP PENJUALAN USAHA MIKRO, KECIL, DAN MENENGAH (UMKM) DI BANYUMAS Rafinda, Ascaryan; Suroso, Agus; Purwaningtyas, Putri
Jurnal Pengabdian Bisnis dan Akuntansi Vol 2 No 2 (2023): Jurnal Pengabdian Bisnis dan Akuntansi Soedirman
Publisher : Jurusan Akuntansi Fakultas Ekonomi dan Bisnis Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/1.jpba.2023.2.2.11215

Abstract

Digital marketing berperan penting dalam bisnis saat ini. Masyarakat saat ini hamper seluruhnya memiliki akses internet dan ponsel untuk kesehariannya. Marketing yang awalnya berdasarkan posisi dan tempat, saat ini sudah bergeser ke platform digital. Pengabdian yang dilakukan yaitu dengan memberikan pelatihan kepada pemilik UMKM di Kab Banyumas. Total 120 peserta bergabung untuk mengikuti pelatihan yang dilakukan sesuai sektor UMKM nya. UMKM yang berfokus pada ritel mendapatkan pelatihan digital marketing untuk ritel, berbeda dengan UMKM yang berfokus pada makanan dan perikanan. Pelatihan dilakukan selama 2 bulan pada ketiga kelompok tersebut dengan ekspertise yang berbeda. Setiap peserta diberikan kuesioner pre-test dan post-test untuk memahami dampak dari pelatihan yang dilakukan. Hasil dari pelatihan dapat dilihat dengan meningkatnya penjualan yang terjadi pada bisnis UMKM Ritel dan Makanan. Namun tidak terdapat peningkatan besar pada UMKM Perikanan.
The Role of Overconfidence on Online Overdebt Behavior Rafinda, Ascaryan; Purwaningtyas, Putri; Wijaya, Juli Riyanto Tri; Aljafa, Hasan; Barika, Christian Rotimi; Hartikasari, Annisa Ilma
JASF: Journal of Accounting and Strategic Finance Vol. 8 No. 2 (2025): JASF (Journal of Accounting and Strategic Finance) - December 2025
Publisher : Accounting Department, Faculty of Economics and Business, Universitas Pembangunan Nasional Veteran Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33005/jasf.v8i2.519

Abstract

Purpose: The study aimed to examine the relationship between overconfidence bias and online overdebt behavior across four countries: Indonesia, Hungary, Poland, and Romania. Method: A total of 900 participants were surveyed, with 210–230 participants from each country, ensuring a diverse and heterogeneous sample in terms of age, gender, education level, and income. Data is processed using AMOS 24 software. Findings: The results from the SEM analysis supported all four hypotheses. Overconfidence bias is positively associated with online overdebt behavior, financial literacy moderates the relationship between overconfidence bias and online overdebt behavior, the ease of access to credit via online platforms amplifies the effect of overconfidence on online overdebt behavior, and overconfidence bias is associated with an underestimation of future financial risk in online borrowing. Implications: The significant role of digital credit access suggests that regulators must implement stricter controls on the 'ease-of-borrowing' features in fintech apps to prevent structural factors from amplifying cognitive biases in risky financial decision-making. Novelty/Value: The study’s novelty lies in its cross-continental analysis—spanning Indonesia, Hungary, Poland, and Romania—providing a rare look at relationships online debt behavior. Recent studies have shown that overconfidence can influence consumer decisions in debt markets, such as credit card usage and loans, potentially leading to dangerous overleveraging behaviors. The gap research is the limited study examining the specific mechanisms through which overconfidence influences online overdebt behavior.
HARMONISASI NILAI AMANAH DAN NGAJENI DALAM PELAYANAN KONSUMEN PADA UMKM DI JAWA TENGAH: Harmonizing the Values of Amanah (Trustworthiness) and Ngajeni (Respect) in Customer Service for MSMEs in Central Java Purwaningtyas, Putri
Business, Accounting and Management Journal Vol. 3 No. 01 (2025): Business, Accounting and Management Journal
Publisher : tesco publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study investigates the socio-religious dimensions of contemporary business practices by analyzing the harmonization of Amanah (the Islamic principle of integrity and trust) and Ngajeni (the Javanese cultural ethics of mutual respect) within the Micro, Small, and Medium Enterprises (MSMEs) sector in Central Java, Indonesia. The primary objective is to identify how the integration of these two values influences interaction patterns between entrepreneurs and consumers in cultivating sustainable customer loyalty. Employing a qualitative descriptive method with a transcendental phenomenological approach, data were gathered through in-depth interviews with 17 MSME owners across various sub-cultural regions in Central Java, complemented by direct field observations. The findings reveal that Amanah serves as a fundamental moral anchor that ensures transactional honesty, informational transparency, and promised product quality. Concurrently, the ethics of Ngajeni function as a communicative instrument that prioritizes humanism, humility, and social etiquette (unggah-ungguh). The synergy between these values culminates in a "Theo-Cultural" service model, where consumer loyalty is constructed not merely through functional-material satisfaction, but through profound emotional and spiritual bonds. The results underscore that the resilience and sustainability of MSMEs in Central Java are significantly dependent on the entrepreneurs' ability to contextualize religious teachings within the framework of local wisdom. Theoretically, this research contributes to value-based marketing literature by emphasizing the critical role of cultural capital and religiosity as unique competitive advantages in the Indonesian market landscape. 
A Mitigating Over-Indebtedness in Woman-Led MSMEs: A Behavioral Perspective on Financial Literacy and Self-Framing Control under Financial Stress Putri Purwaningtyas; Bambang Agus Pramuka; Intan Shaferi; Wiwiek Rabiatul Adawiyah; Dian Purnomo Jati
Jurnal Ilmiah Akuntansi Vol 10 No 2 (2025)
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/jia.v10i2.111662

Abstract

This research investigates the financial literacy and self-framing control of over-indebtedness in women-led Micro, Small, and Medium Enterprises (MSMEs). Addressing a gap where these behavioral bias remain under-explored in over-indebtedness in the context woman MSMEs. This article identifying factors that influence debt cycles in woman-led MSME, which are uniquely characterized by a dual-motive conflict between the drive for business expansion and the immediate needs of household survival. Employing a mixed-methods approach, the study analyzed a quantitative dataset of 280 women entrepreneurs in Banyumas Regency, Indonesia using SEM-PLS, complemented by qualitative insights from Focus Group Discussions and in-depth interviews. The results confirm that Financial Literacy and Self-Framing Control have a significant negative relationship with over-indebtedness. Interestingly, the moderation hypotheses were rejected. Financial stress did not significantly weaken the financial literacy or self-framing control. This suggests that women entrepreneurs exhibit functional resilience, in which their decision-making capabilities have habituated to stressful environments and remain stable under such conditions. The study challenges the ego-depletion hypothesis, suggesting that rationality and self-control are limited and decline under pressure. The findings provide a practical framework for MSME resilience by evaluating the need for behavior-oriented financial coaching that prioritizes the physical separation of business and domestic funds through communal support systems. Additionally, the study addresses the regulatory gap in multiple borrowing, proposing that policy interventions must prioritize integrated credit monitoring across all financial institutions.
Co-Authors Agus Suroso Aljafa, Hasan Ascaryan Rafinda Bambang Agus Pramuka Barika, Christian Rotimi Dian Purnomo Jati DIJAN RAHAJUNI, DIJAN Hartikasari, Annisa Ilma Intan Shaferi Juli Riyanto Tri Wijaya Sambodo, Herman Wine, Wine Wiwiek Rabiatul Adawiyah