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All Journal Dinamika Pendidikan Journal of Economic Education Jurnal Akuntansi IKRA-ITH EKONOMIKA EconBank : Journal Economics and Banking Soedirman Economics Education Journal Jurnal Ekonomi Dan Bisnis Edukasi IPS J-ESA (Jurnal Ekonomi Syariah) Jurnal Pendidikan Administrasi Perkantoran (JPAP) Journal of Economic Education Jurnal Publikasi Ekonomi dan Akuntansi
Anggraeni, Oki
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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Financial and Digital Literacy: Their Impact on Interest Use of QRIS and Entrepreneurial Behavior anggraeni, oki; Puspasari, Elsa; Ilma, Ajeng Faizah Nijma; Fatimah, Siti
EconBank: Journal of Economics and Banking Vol 7 No 1 (2025): Econbank
Publisher : Sekolah Tinggi Ilmu Ekonomi Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/econbank.v7i1.497

Abstract

The Quick Response Code Indonesia Standard QRIS service has supported payments from bank and non-bank providers used in the community. This payment system through QRIS can not only be done in malls or large shopping centers but can also be used in stalls, tourist attractions, even traditional markets or traditional markets if they already use the QRIS logo. Pasar Manis Purwokerto was the location of the study with 49 respondents. The analysis technique used was multiple linear regression analysis. The results of the study showed that financial literacy, digital literacy and the use of the QRIS application had a positive and significant influence on entrepreneurial behavior. Digital literacy is the most dominant variable in influencing entrepreneurial behavior in the Pasar Manis Purwokerto.
PERAN GALERI UKM BANYUMAS RAYA DALAM MEMPERLUAS JARINGAN PEMASARAN BAGI UMKM LOKAL Putri, Dea Mutiara; Syifa, Nandita Mar’atus; Rahajuni, Dijan; Anggraeni, Oki
Jurnal Akuntansi Vol. 13 No. 1 (2025): JURNAL AKUNTANSI VOL. 13 NO. 1 JUNI 2025
Publisher : Program Studi Akuntansi Fakultas Ekonomi Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/ja.v13i1.4512

Abstract

Tujuan penelitian ini untuk mengetahui bagaimana Peran Galeri UKM Banyumas Raya dalam Memperluas Jaringan Pemasaran bagi UMKM Lokal. Jenis penelitian ini menggunakan metode deskriptif dengan analisis kualitatif berdasarkan fakta lapangan. Sumber data berasal dari data primer dan sekunder dengan informan pengelola galeri UKM Banyumas Raya. Berdasarkan hasil penelitian, menunjukkan bahwa galeri ukm banyumas raya mempunyai peran dalam memperluas jaringan pemasaran bagi umkm lokal dengan melakukan promosi dan pemasaran online diantaranya menggunakan Instagram, Tiktok, Facebook, Website dan E-Commerce, sedangkan pemasaran offline dengan mengikuti acara pameran, acara yang diselerenggarakan oleh pemerintah daerah Banyumas ataupun dinas terkait, seperti Bank Indonesia, Kementerian Perdagangan, dan Koperasi. Selain itu, bekerjasama dengan hotel dan rumah makan untuk mendisplay produk UMKM di loby hotel atau rumah makan tersebut. Sehingga terdapat peningkatan penjualan dan memperluas jaringan pemasaran. Tantangan yang dihadapi oleh Galeri UKM Banyumas diantaranya kualitas sumber daya manusia, pemanfaatan sosial media, dan kebijakan efisiensi anggaran.
Achievement Results Are Seen From Discipline, Environment and Learning Strategy Anggraeni, Oki; Puspasari , Elsa; Triyono, Bambang; Noviyah, Khikayatun
Journal of Economic Education Vol. 13 No. 2 (2024): December 2024
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jeec.v13i2.28419

Abstract

The aim of this research is to determine the influence of learning discipline, learning environment and student learning strategies on learning achievement. This research uses quantitative methods with an associative approach. The results of the research conducted show that the learning discipline variable has a negative effect on learning achievement, with significant values as follows: 0.001 < 0.05. Furthermore, based on research conducted, it is stated that the learning environment does not have a positive effect on student learning achievement with a significant value of 0.337 > 0.05. And the learning strategy variables that have been tested show that the results have a positive effect on learning achievement, with significant values as follows: 0.04 < 0.05. From the tests carried out, 30% stated that in this research, if learning achievement was not influenced by learning discipline, learning environment and learning strategies, the results would be poor.
The Role of Baturraden Lokawisata Destination in Increasing Income and SocioEconomic Welfare of the Baturraden Community Savirra, Dicoprilla Mutiara; Fakhira, Aqila Ananta; Rahayu, Dijan; Anggraeni, Oki
Edukasi IPS Vol. 9 No. 1 (2025): EDUKASI IPS
Publisher : Program Studi Pendidikan IPS Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/EIPS.009.1.04

Abstract

This study aims to determine the effect of Baturraden Lokawisata on increasing income and socio-economic welfare for the surrounding community. Using a qualitative approach. The results showed that Baturraden Lokawisata became the main source of income for the local community. The income earned is used to fulfill daily needs, finance children's education, and other household needs. In addition to the economic impact, there is also a harmonious social relationship between locawisata managers. However, some respondents complained about the decline in income and hoped for innovation from tourism managers. Baturraden Tourism is proven to make a real contribution to the economic and social welfare of the community, but still requires development so that the benefits are more optimal.
Peran Mahasiswa Universitas Jenderal Soedirman terhadap Pemberdayaan Ekonomi Masyarakat Adhika Ayu Junantiar; Novita, Elly; Anggraeni, Oki; Rahajuni, Dijan
Edukasi IPS Vol. 9 No. 1 (2025): EDUKASI IPS
Publisher : Program Studi Pendidikan IPS Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/EIPS.009.1.06

Abstract

This study aims to analyze the role of students of Universitas Jenderal Soedirman in community economic empowerment through their support for the growth of Micro, Small, and Medium Enterprises (MSMEs) in the Grendeng area, North Purwokerto. The Grendeng area was selected due to its relatively high concentration of MSMEs and its geographical proximity to the Unsoed campus. This research employed a qualitative method through observation and in-depth interviews with MSME actors and students involved in related activities. The results indicate that the presence and activities of students in the area contribute to increased demand for MSME products, act as collaborative partners, and serve as promotional agents for MSME actors in sectors such as food businesses, photocopy services, boarding houses, and laundry services. These findings emphasize that students’ contributions can serve as a strategic and sustainable local economic force.
Peran Pemerintah Desa Dalam Upaya Penanggulangan Pengganguran DI Desa Pliken, Kecamatan Kembaran, Kabupaten Banyumas Sari, Indrianti Dwi Erlita; Agnestika, Indy; Anggraeni, Oki; Rahajuni, Dijan
Edukasi IPS Vol. 9 No. 1 (2025): EDUKASI IPS
Publisher : Program Studi Pendidikan IPS Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/EIPS.009.1.05

Abstract

This study examines efforts to address unemployment in Pliken Village, Kembaran District, Banyumas Regency. Unemployment is one of the social problems that has broad impacts on community life, both economically and psychologically. This research employed a descriptive qualitative approach, conducted through in-depth interviews with the Village Head and the Head of the Service Section as the main informants. The results show that the village government has implemented various community empowerment programs, including skills training, the establishment of MSME associations, the organization of joint markets, and collaboration with regional government agencies. These programs are considered effective in creating new job opportunities, increasing community income, and significantly reducing the unemployment rate. The main obstacles faced are limited budget allocations and the prioritization of poverty alleviation programs for the elderly. Therefore, a strategic approach to sustainable village economic development is required, based on local potential and the strengthening of institutions such as Village-Owned Enterprises (BUMDes) and village cooperatives. The findings emphasize the importance of the active role of the village government in building an independent and adaptive economic ecosystem as a long-term solution to unemployment problems.
Analisis Literasi Keuangan dan Hambatan Adopsi Digitalisasi pada UMKM Sektor Kuliner : Studi Kasus Warung Makan Selera Asal Saputri, Ayu Mulya; Maharani, Edwi Fanesia; Rahajuni, Dijan; Anggraeni, Oki
Jurnal Publikasi Ekonomi dan Akuntansi Vol. 6 No. 3 (2026): September : Jurnal Publikasi Ekonomi dan Akuntansi
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/jupea.v6i3.7134

Abstract

Financiall literacy and digital transformation have emerged as two critical pillars in driving the growth and sustainability of Micro, Small, and Medium Enterprises (MSMEs), especially within the culinary sector. The rapid expansion of digital technology presents substantial opportunities for business owners to broaden their market rearch, streamline operational processes, and facilitate more accessible transactions. Nevertheless, the rate of digital adoption among MSMEs continues to lag behind expectations. This study seeks to examine the extent to which financial literacy influences the barriers encountered by MSMEs in adopting digital technology, drawing on case study of Warung Makan Selera Asal in Purwokerto. A descriptive qualitative approach was employed, with data gathered through in-depth interviews, direct field observation, and documentation, further indicate that while the business owner demonstrates a foundational understanding of financial management, the practical application of this knowledge remains constrained, as evidenced by reliance on manual bookkeeping and the absence of a clear boundary between personal and business finances. Furthermore, digital adoption has yet to reach an optimal level, hindered by factors including insufficient human resource capacity, skepticim toward the reability of digital systems, and the perceived burden of costs assosiated with digital platforms. These findings suggest that financial literacy contributes to shaping MSMEs’ readiness for digital adoption, yet does not function as the sole determinant. According, a well-rounded strategy encompassing capacity building initiatives and sustained external support is essential to accelerate digital adoption and strengthen overall MSMEs performance.
Analisis Dampak Ekonomi Tren Thrifting terhadap Perekonomian Industri Fashion Lokal di Indonesia Laksana, Adita Cita; Oktavika, Faneyza Salsa; Rahajuni , Dijan; Anggraeni, Oki
Jurnal Publikasi Ekonomi dan Akuntansi Vol. 6 No. 3 (2026): September : Jurnal Publikasi Ekonomi dan Akuntansi
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/jupea.v6i3.7265

Abstract

The growing popularity of the thrifting trend in Indonesia reflects a shift in consumer behavior within the fashion industry, particularly among the younger generation, or Gen Z. Thrifting is viewed as a more affordable and sustainable alternative to conventional fashion consumption, as it offers branded products at low prices along with unique and diverse styles. In addition to being influenced by economic factors, the rising trend of thrifting is also driven by the development of social media, which accelerates the spread of fashion trends and changes in people’s lifestyles. The increase in used clothing imports has economic implications for the local fashion and textile industries in Indonesia. This study aims to analyze the economic impact of the thrifting trend on the local fashion industry and the national economy in Indonesia, as well as to examine government policies regarding the ban on used clothing imports. This study employs a qualitative method using a literature review approach, analyzing scientific articles, government reports, policy documents, and various relevant secondary data on thrifting, the textile industry, and consumer behavior. The results indicate that thrifting has positive impacts, including the creation of business opportunities, alternative income sources for the community, and the growth of sustainable consumption. However, the rise in imported thrifted goods also raises concerns regarding the weakening competitiveness of the local fashion industry, a decline in demand for domestic products, a decrease in textile production, and its impact on the textile industry’s labor sector. In response, the Indonesian government has implemented several policies banning the import of used clothing to protect the domestic industry. However, these policies must be balanced with efforts to strengthen innovation, product quality, and the competitiveness of the local fashion industry to ensure the sustainability of the domestic industry amid the growing trend of thrifting
Co-Authors Adhika Ayu Junantiar Agnestika, Indy Ajeng Faizah Nijma Ilma, Ajeng Faizah Nijma Astarani Aslindar, Dwi Choirunisa, Nabila DIJAN RAHAJUNI, DIJAN Elsa Puspasari, Elsa Fakhira, Aqila Ananta Fatimah, Siti Hatta, Aurelia Mutia Laksana, Adita Cita Maharani, Edwi Fanesia Mardotillah, Puja Nasori, Ahmad Novita, Elly Noviyah, Khikayatun Oktavika, Faneyza Salsa P. Eko Prasetyo Partono Thomas Puspasari , Elsa Puspita, Dhisa Wanda Putri, Dea Mutiara Rahajuni , Dijan Rahayu, Dijan Rizani, Asri Saputri, Ayu Mulya Sari, Indrianti Dwi Erlita Savirra, Dicoprilla Mutiara Syifa, Nandita Mar’atus Triyono, Bambang Widyastuti, Della