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Oktavia, Vicky
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Peningkatan Kompetensi Guru melalui Program Widikuat dengan Metode Participatory Action Research (PAR) Oktavia, Vicky; Safitri, Maria; Samasta, Almira Santi
Jurnal Pengabdian Masyarakat dan aplikasi Teknologi Vol. 05 No. 01: March 2026 (In Progress)
Publisher : Institut Teknologi Adhi Tama Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31284/j.adipati.2026.v5i1.8362

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan kompetensi guru melalui program pelatihan WIDIKUAT (Kewirausahaan, Digitalisasi, Pengelolaan Keuangan, dan Pemberdayaan Wanita) dengan menggunakan metode Participatory Action Research (PAR). Program ini dirancang untuk mengintegrasikan empat dimensi keterampilan penting guru, yaitu kemampuan berwirausaha, literasi digital, manajemen keuangan, serta kesetaraan dan pemberdayaan perempuan di lingkungan sekolah. Kegiatan dilaksanakan di Yayasan Insan Teladan Mranggen dengan melibatkan 15 orang guru dari berbagai jenjang pendidikan. Pelaksanaan kegiatan mengacu pada tahapan PAR yang meliputi planning, action, observation, dan reflection, dengan model pelatihan kolaboratif berbasis partisipasi aktif peserta. Hasil kegiatan menunjukkan peningkatan signifikan dalam empat aspek kompetensi utama, yaitu peningkatan kemampuan digital (41,9%), kewirausahaan (44,8%), pengelolaan keuangan (41,0%), dan pemberdayaan wanita (40,6%). Program WIDIKUAT terbukti mampu menumbuhkan semangat inovasi, kemandirian, dan kolaborasi antarguru dalam mengimplementasikan pembelajaran kontekstual berbasis teknologi dan ekonomi kreatifKata kunci: pelatihan, guru, kewirausahaan, digitalisasi, pengelolaan keuangan, pemberdayaan wanita, PAR
Dynamic Hedge Mapping IHSG: Bukti Rolling regression 60-Hari pada Bitcoin, Emas, Obligasi, dan USD Halim, Jeffry; Oktavia, Vicky; Prayitno, Agus; Chasanah, Amalia Nur
Jurnal Ilmiah Global Education Vol. 7 No. 1 (2026): JURNAL ILMIAH GLOBAL EDUCATION
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/jige.v7i1.4877

Abstract

This study examines whether four alternative assets Bitcoin, gold, government bonds, and the United States dollar provide protection against declines in the Indonesia Stock Exchange Composite Index (IHSG). The objective is to determine which assets act as hedges for returns and which serve as volatility safe havens during turbulent market conditions. Using daily log returns from February 2022 to April 2025, the study applies simple linear return regressions, volatility regressions constructed from 10-day rolling standard deviations, and 60-day rolling return regressions to capture time-varying relationships. The results show that the US dollar consistently exhibits a negative and statistically significant relationship with IHSG returns, indicating a reliable hedging function. In contrast, government bonds, gold, and Bitcoin display positive return betas, implying pro-cyclical behavior rather than defensive characteristics. In volatility analysis, the US dollar and government bonds record the smallest sensitivity to index volatility, while Bitcoin and gold amplify market risk. Time-varying (rolling) estimates reinforce these patterns: the dollar’s defensive role persists across normal and crisis episodes, whereas the other assets rarely show sustained negative betas. In conclusion, for the observed period and market context, the United States dollar is the most effective hedge against IHSG declines; government bonds contribute to volatility stabilization; gold offers limited diversification benefits; and Bitcoin does not function as a dependable defensive asset in the Indonesian equity market.
Pengaruh Kualitas Produk, Persepsi Harga dan Word of Mouth Terhadap Keputusan Pembelian Pertamax di Kabupaten Pati Fannalif, Sega; Oktavia, Vicky; Purusa, Nanda; Perdana, Tito
Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Vol. 6 No. 1 (2026): Maret: Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan (JIMEK)
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jimek.v6i1.9408

Abstract

This study aims to examine how product quality, price perception, and word of mouth (WoM) communication influence Pertamax (RON 92) purchasing decisions at a Pertamina gas station in Pati Regency. The approach used is quantitative with data collection through a questionnaire involving 100 respondents. The sampling technique used is non-probability sampling with a purposive sampling method, where respondents are selected based on certain criteria relevant to the study. The collected data were then analyzed using SPSS 25 to test the relationship between variables. The results of the study indicate that product quality and price perception have a significant positive influence on Pertamax purchasing decisions by consumers. In addition, the Word of Mouth (WoM) communication factor is also proven to have a significant positive impact in encouraging purchasing decisions. These findings indicate that product quality, good price perception, and word of mouth recommendations are important factors in influencing consumers in choosing Pertamax at Pertamina gas stations.
Pengaruh Literasi Keuangan, Lifestyle Hedonis dan Sikap Keuangan Pribadi terhadap Perilaku Keuangan Mahasiswa pengguna Shopee Paylater Susanti, Sabrina; Oktoriza, Linda Ayu; Puspitasari, Diana; Oktavia, Vicky
Paradoks : Jurnal Ilmu Ekonomi Vol. 9 No. 1 (2026): November - Januari
Publisher : Fakultas Ekonomi, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/paradoks.v9i1.2217

Abstract

Teknologi digital yang terus berkembang telah mempengaruhi perilaku konsumsi masyarakat yang didukung dengan salah satu layanan yaitu Shopee Paylater yang memudahkan pengguna dalam bertransaksi. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, lifestyle hedonis, dan sikap keuangan pribadi terhadap perilaku keuangan mahasiswa pengguna Shopee Paylater di Fakultas Ekonomi dan Bisnis Universitas Dian Nuswantoro Semarang. Penelitian ini menggunakan pendekatan kuantitatif dengan data primer yang diperoleh melalui kuesioner sebanyak 190 responden menggunakan teknik pusposive sampling. Analisis data dilakukan dengan metode Partial Least Square-Structural Equation Modeling (PLS-SEM) menggunakan software SmartPLS versi 4. Hasil menunjukan bahwa literasi keuangan dan sikap keuangan pribadi berpengaruh positif dan signifikan terhadap perilaku keuangan mahasiswa pengguna Shopee Paylater. Lifestyle hedonis berpengaruh negatif dan signifikan terhadap perilaku keuangan mahasiswa pengguna Shopee Paylater. Hasil penelitian ini menegaskan relevansi Theory of Planned Behavior (TPB) pentingnya faktor kognitif dan psikologis dalam pengambilan keputusan finansial yang dipengaruhi oleh sikap dan pemahaman individu terhadap keuangan, serta dorongan gaya hidup hedonis. Temuan ini juga dapat menjadi rujukan bagi perguruan tinggi dan penyedia layanan Paylater dalam meningkatkan edukasi keuangan agar mahasiswa lebih bijak dalam pengambilan keputusan keuangan.
Pengejawantahan Daur Ulang Limbah Jelantah: Lokakarya Berbasis Model ADDIE Melalui Reka Cipta Lilin Aqualume Sebagai Upaya Pemberdayaan Kelompok PKK di Desa Sriwulan, Kabupaten Kendal Charalli, Setyawati; Nasikha, Aulia; Wibowo, Mochammad Eric Suryakencana; Oktavia, Vicky; Cahya, Handy Nur
Sasambo: Jurnal Abdimas (Journal of Community Service) Vol. 8 No. 1 (2026): Februari
Publisher : Lembaga Penelitian dan Pemberdayaan Masyarakat (LITPAM)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/rvwwvz61

Abstract

form of used cooking oil that threatens the village's tourism image. Although the PKK Group handles used cooking oil waste at the household level daily, as frontline actors they lack the skills to transform it into valuable products. This activity aims to empower the PKK Group through increased knowledge about the impacts of used cooking oil, circular economy, and appropriate technology; enhance the technical skills of all participants (13 people) in producing Aqualume candles through hands-on practical learning; process 350ml of used cooking oil waste into 7 units of aesthetically quality eco-friendly souvenir products as creative enterprises supporting the tourism village; and implement the ADDIE model to ensure program effectiveness and sustainability. The implementation method uses ADDIE (Analysis, Design, Development, Implementation, Evaluation), which includes needs mapping, appropriate technology design, and practical workshops. Evaluation was conducted using pre-test and post-test to measure cognitive understanding and observation of product outcomes. The activity results showed a significant increase in participants' average scores from 40.00 to 100.00 with an N-Gain of 1.00 (high category). All 13 participants mastered the techniques of used cooking oil purification and aesthetic Aqualume candle formulation. This activity demonstrates that the ADDIE model effectively transfers appropriate technology, enhances community learning agility in adopting circular economy innovations, and produces distinctive eco-friendly souveniraq for the tourism village.
Pengejawantahan Daur Ulang Limbah Jelantah: Lokakarya Berbasis Model ADDIE Melalui Reka Cipta Lilin Aqualume Sebagai Upaya Pemberdayaan Kelompok PKK di Desa Sriwulan, Kabupaten Kendal Nasikha, Aulia; Wibowo, Mochammad Eric Suryakencana; Oktavia, Vicky; Cahya, Handy Nur; Charalli, Setyawati
Sasambo: Jurnal Abdimas (Journal of Community Service) Vol. 8 No. 1 (2026): Februari
Publisher : Lembaga Penelitian dan Pemberdayaan Masyarakat (LITPAM)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/rvwwvz61

Abstract

Desa Sriwulan sebagai jalur utama wisata Kali Kesek menghadapi persoalan limbah rumah tangga berupa minyak jelantah yang berpotensi merusak lingkungan dan citra desa wisata. Kelompok PKK sebagai garda terdepan pengelolaan limbah rumah tangga belum memiliki keterampilan mengolah jelantah menjadi produk bernilai ekonomi. Program ini bertujuan memberdayakan PKK melalui peningkatan pengetahuan tentang dampak jelantah, konsep ekonomi sirkular, dan teknologi tepat guna, serta meningkatkan keterampilan teknis peserta dalam pembuatan lilin Aqualume berbasis praktik langsung. Sebanyak 13 peserta dilatih mengolah 350 ml jelantah menjadi tujuh unit suvenir ramah lingkungan bernilai estetis sebagai produk kreatif pendukung desa wisata. Metode menggunakan model ADDIE (Analysis, Design, Development, Implementation, Evaluation) melalui pemetaan kebutuhan, perancangan teknologi, dan lokakarya praktik. Evaluasi dilakukan dengan pre-test dan post-test serta observasi kualitas produk. Hasil menunjukkan peningkatan skor rata-rata dari 40,00 menjadi 100,00 dengan N-Gain 1,00 (kategori tinggi). Seluruh peserta menguasai teknik penjernihan dan formulasi produk, menunjukkan model ADDIE efektif untuk transfer teknologi dan penguatan inovasi ekonomi sirkular masyarakat. Realization of Waste Cooking Oil Recycling: ADDIE Model-Based Workshop Through Aqualume Candle Innovation as an Effort to Empower Women's Cooperative Groups in Sriwulan Village, Kendal Regency Sriwulan Village, the main access route to Kali Kesek tourism, faces household waste management challenges, particularly used cooking oil that threatens environmental quality and the village’s tourism image. The PKK women’s group, as the frontline household waste managers, still lacks the skills to convert used oil into value-added products. This program aims to empower the PKK group by increasing knowledge of used oil impacts, circular economy principles, and appropriate technology, while improving participants’ technical skills through hands-on training in producing Aqualume candles. A total of 13 participants were trained to process 350 ml of used cooking oil into seven aesthetically valuable, eco-friendly souvenir products to support creative tourism-based enterprises. The program applied the ADDIE model (Analysis, Design, Development, Implementation, Evaluation), including needs assessment, technology design, and practical workshops. Evaluation used pre-test and post-test instruments and product observation. Results showed a significant improvement in average scores from 40.00 to 100.00, with an N-Gain of 1.00 (high category). All participants mastered oil purification and candle formulation, confirming ADDIE’s effectiveness for community technology transfer and circular economy innovation.
Determinasi Perilaku Keuangan Mahasiswa Universitas Dian Nuswantoro Wulandari, Lailla Ayu; Oktavia, Vicky
Jurnal Economic Resource Vol. 9 No. 1 (2026): October - March
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v9i1.2313

Abstract

Perkembangan teknologi digital telah mendorong pertumbuhan pesat dalam pembayaran tanpa tunai di Indonesia. Kemudahan penggunaan pembayaran fintech memberikan efisiensi transaksi, namun juga berpotensi mempengaruhi perilaku pengelolaan keuangan jika tidak diimbangi dengan keterampilan yang memadai dan pengendalian diri. Tujuan penelitian ini adalah menganalisis bagaimana perilaku keuangan mahasiswa Universitas Dian Nuswantoro dipengaruhi oleh pembayaran fintech, kepercayaan keuangan, dan literasi keuangan. Penelitian ini menggunakan pendekatan kuantitatif dengan metode asosiatif. Data dikumpulkan melalui kuesioner skala Likert dari 116 mahasiswa Fakultas Ekonomi dan Bisnis yang telah menempuh mata kuliah manajemen keuangan. Analisis data dilakukan dengan metode PLS-SEM menggunakan SmartPLS. Hasil penelitian menunjukkan bahwa literasi keuangan, efikasi diri finansial, dan penggunaan pembayaran fintech berpengaruh positif dan signifikan terhadap pengelolaan keuangan mahasiswa. Dari ketiga variabel tersebut, efikasi diri finansial memberikan kontribusi paling signifikan. Temuan ini menegaskan bahwa kemampuan psikologis, literasi keuangan, dan keterampilan dalam menggunakan teknologi pembayaran digital secara sederhana memiliki peran penting dalam meningkatkan literasi keuangan mahasiswa di era digital. Penelitian ini diharapkan mampu memberikan kontribusi teoritis dan praktis yang berarti bagi pengembangan literasi dan pengelolaan keuangan mahasiswa
Faktor-Faktor Penentu Minat Generasi Z dalam Penggunaan Buy Now Paylater pada Mahasiswa Universitas Dian Nuswantoro Semarang Alvita Cahyarani, Tharisya; Oktavia, Vicky; Anomsari, Ariati; Santi Samasta, Almira
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i3.11115

Abstract

This study aims to identify the factors influencing the interest of Universitas Dian Nuswantoro students in using Buy Now Pay Later (Paylater) services. The research focuses on three aspects: Perceived Ease of Use, Functional Financial Needs, and Hedonistic Lifestyle. The method employed is descriptive quantitative research with a survey approach. The study involved 160 students who had previously used Paylater services. The collected data were analyzed using SmartPLS 4 software, examining validity, reliability, and structural model tests. The results indicate that Hedonistic Lifestyle positively and significantly affects the intention to use Paylater, followed by Functional Financial Needs, which also have a significant influence. Meanwhile, Perceived Ease of Use does not have a significant effect, as young people, particularly Generation Z, are already very familiar with various digital applications, making operational ease not a primary factor. The study concludes that students’ interest in using Paylater is more influenced by their consumption patterns and financial needs rather than the technical aspects of the system. Based on these findings, several recommendations are offered: to enhance education on the responsible use of Paylater services and to provide clear information about the services so that users can manage their expenses more effectively.
Dampak PP 55 Tahun 2022 terhadap Penerimaan Pajak UMKM di KPP Pratama Semarang Barat Pramesti, Yessy Levina; Oktavia, Vicky; Oktariza, Linda Ayu; Puspitasari, Diana
Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (Jasmien) Vol. 5 No. 09 (2026): Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (Jasmien)
Publisher : Cattleya Darmaya Fortuna

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54209/jasmien.v5i09.2089

Abstract

This study analyzes the impact of Government Regulation No. 55 of 2022 on MSME tax revenue at KPP Pratama Semarang Barat. The background of the study is the significant contribution of MSMEs to the national economy, which is not yet matched by optimal tax compliance. The regulation aims to simplify tax rates, expand exemption facilities, and improve administrative effectiveness. The study employs a descriptive quantitative method using secondary data on Final Income Tax (PPh Final) for MSMEs from 2021–2024, supported by a paired sample t-test. The results show a significant difference with a p-value of 0.022 < 0.05. Average monthly revenue increased from IDR 1.087 billion to IDR 1.196 billion after the policy was implemented, despite a decline in the number of paying taxpayers. This indicates the policy’s effectiveness in boosting tax revenue while reinforcing the fairness principle based on the ability to pay.
OPTIMALISASI TEH BUNGA ROSELA BERBASIS WOMAN-BASED ENTREPRENEURSHIP SEBAGAI SUMBER PENDAPATAN BERKELANJUTAN BAGI MASYARAKAT DESA LEREP Oktavia, Vicky; Safitri, Maria
Edusight Jurnal Pengabdian Masyarakat Vol. 3 No. 1 (2026): Edusight Jurnal Pengabdian Masyarakat
Publisher : Yayasan Meira Visi Persada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69726/edujpm.v3i1.253

Abstract

Desa Lerep, sebagai kawasan agrowisata, memiliki potensi besar dalam pengembangan komoditas bunga rosela (Hibiscus sabdariffa). Namun, pemanfaatannya selama ini masih terbatas secara ekonomi dan kurang melibatkan peran strategis perempuan. Penelitian ini bertujuan untuk mengoptimalisasi produksi dan pemasaran teh bunga rosela melalui pendekatan woman-based entrepreneurship sebagai upaya pemberdayaan ekonomi lokal. Metode yang digunakan adalah pendekatan kualitatif deskriptif dengan teknik pengumpulan data melalui wawancara mendalam, observasi partisipatif, studi dokumen, dan diskusi kelompok terfokus (FGD) di Desa Lerep, Kabupaten Semarang. Analisis data dilakukan secara tematik menggunakan model Miles & Huberman. Hasil menunjukkan bahwa perempuan memiliki peran sentral dalam proses hulu-hilir pengolahan rosela, namun menghadapi kendala akses modal, teknologi pengemasan, dan pemasaran digital. Penerapan model kewirausahaan berbasis perempuan terbukti meningkatkan kemandirian ekonomi, partisipasi sosial, serta kolaborasi antarlembaga. Keterlibatan perguruan tinggi sebagai pendamping teknis dan penguatan branding melalui desa wisata menjadi faktor kunci keberhasilan. Berdasarkan temuan, disarankan untuk memperluas akses pembiayaan mikro bagi kelompok perempuan, mengintegrasikan sistem pemasaran digital secara berkelanjutan, dan menjadikan model ini sebagai rujukan kebijakan pemberdayaan perempuan di tingkat kabupaten. Inisiatif ini tidak hanya meningkatkan nilai tambah produk lokal, tetapi juga memperkuat struktur ekonomi desa yang inklusif dan berkelanjutan.
Co-Authors Abdillah, Wimbo Adhan, Ahmad Agus Prayitno AGUSTINA, SINTA Akbar, Vigo Kurnia Ali, Amjad Allaitsi, Haula Alvita Cahyarani, Tharisya Amalia, Zulfa Khasna Aprilia, Miladi Ariati Anomsari Awanis Linati Haziroh Azizah, Fatkhiyatul Cahya, Handy Nur Charalli, Setyawati Chasanah, Amalia Nur Diana Puspitasari Evi Martaseli Fannalif, Sega Febriana, E Artha Fithri Karima, Naily Halim, Jeffry Hanifah, Ulfiyah Herry Subagyo Istiqomah, Luthfiyyah Jonathan, Fandy Kusuma, Pradana Jati Laksari, Dissa Almi Made Gede Wirakusuma Mayashanti, Helisa Angela Nabilla, Habibah Yuhrotun Nasikha, Aulia Ningsih, Heny Rahayu Nurhayati, Enok Oktariza, Linda Ayu Oktavia, Erni Oktoriza, Linda Ayu Pamungkas, Angling Sadewo Aji Perdana, Tito Piji Pakarti Pramesti, Tia Pramesti, Yessy Levina Prawitasari, Dian Purusa, Nanda Putri, Safa’a Amalia Rahmadani, Nabila Rudi Kurniawan Safitri, Maria Salsabila, Citra Yasmin Samasta, Almira Santi Santi Samasta, Almira Saputra, Ardhi Wahyu Sidabutar, Radot Sahat Pangihutan Siska Yuli Anita Sugeng Wahyudi, Sugeng Suhita Whini Setyahuni Suhita Whini Setyahuni, Linda Ayu Oktoriza, Suryakencana Wibowo, Mochammad Eric Susanti, Sabrina Usman Usman Whini Setyahuni, Suhita Wibowo, Mochammad Eric Suryakencana Widodo, Dheevanadea Arnetta Widyantoro, Azzainuri Wulandari, Lailla Ayu Yovita, Lenni Zakaria, Fakhmi