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All Journal Journal of Economic and Management (JECMA) JAMU : Jurnal Abdi Masyarakat UMUS Indonesian Journal of Innovation Science and Knowledge
Wihasto, Hanan
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Analisis Pembiayaan Macet Pada Pembiayaan Tanpa Agunan (PTA) dengan Crediet Card (Studi Kasus Di Bank Syariah Indonesia Di Yogyakarta) Wihasto, Hanan
Indonesian Journal of Innovation Science and Knowledge Vol. 1 No. 3 (2024): IJISK 2024
Publisher : Fakultas Pendidikan Ilmu Keguruan, Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/ijisk.v1i3.134

Abstract

Realisasi kartu kredit Non Performing Loan (NPL) pada periode tahun 2020 hingga tahun 2023 mengalami tren yang meningkat. Peningkatan NPL disebabkan oleh Pembiayaan Tanpa Agunan / Penggunaan Kartu Kredit dan Pembelian Berulang. Tujuan penelitian ini adalah untuk mengetahui pengaruh Debitur PTA dan pembelian berulang terhadap risiko kredit macet. Variabel terdiri atas: Debitur PTA (Variabel Independen), Pembelian Berulang (Variabel Independen), dan Pembiayaan Macet (Variabel Dependen). Dengan menggunakan metode purposive sampling, responden penelitian ini adalah pengguna kartu kredit Bank Syariah Indonesia di Yogyakarta, dan jumlah sampelnya adalah 100 responden. Metode analisis yang digunakan adalah analisis deskriptif dan pendekatan statistik inferensial dengan menggunakan Pendekatan SEM. Kesimpulan penelitian adalah: Penggunaan Kartu Kredit berpengaruh signifikan Terhadap Pembelian Berulang, Penggunaan Kartu Kredit tidak berpengaruh Signifikan terhadap Risiko Gagal Bayar dan Pembelian Berulang berpengaruh signifikan terhadap Risiko Gagal Bayar.
Analisis Kebiasaan Aktivitas Belanja dan Keterlibatan Dalam Fashion terhadap Perilaku Pembelian Spontan di Yogyakarta Wihasto, Hanan
Journal of Economic and Management (JECMA) Vol. 8 No. 1 (2026): Februari
Publisher : Program Studi Manajemen Universitas Muhadi Setiabudi

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Abstract

The dynamics of the retail business economy in Indonesia show significant growth, which in turn has triggered the development of consumer lifestyles and shopping patterns characterized by increasingly high expectations—demanding more, expecting better quality, and seeking consistency. The problem encountered is that high-income consumers tend to exhibit fluctuating spending patterns, often exceeding the financial plans they have previously established. This study aims to examine the influence of Shopping Activity Habits and Fashion Involvement on Impulse Buying Behavior among consumers in Yogyakarta. The sample of this study consists of individuals residing in Yogyakarta who have their own income, monthly expenditures of at least IDR 3,000,000, and who have previously shopped at Ambarrukmo Mall, Pakuwon Mall, and Jogja City Mall. The analytical technique employed is multiple linear regression, which facilitates the examination of the role of Shopping Activity Habits and Fashion Involvement in influencing Impulse Buying Behavior. The results indicate that Hedonic Shopping Value and Fashion Involvement have a significant effect on impulse buying behavior among consumers in Yogyakarta.
Edukasi & Sosialisasi : Pemberdayaan Masyarakat Melalui Pembentukan Koperasi Yang Profesional Di Desa Senden, Kabupaten Boyolali, Propinsi Jawa Tengah Wihasto, Hanan
JAMU : Jurnal Abdi Masyarakat UMUS Vol. 6 No. 02 (2026): Februari
Publisher : LPPM Universitas Muhadi Setiabudi

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Abstract

This community service activity was carried out in Senden Village, Selo District, Boyolali Regency, which boasts local economic potential based on agriculture and household businesses, but is not yet supported by adequate cooperative institutions. Problems faced by the community include a low understanding of the benefits of cooperatives, limited knowledge of cooperative establishment procedures, and minimal community participation in cooperative membership. The objective of this activity was to increase community cooperative literacy and encourage the formation and management of village cooperatives in a professional and sustainable manner. The method used was a descriptive qualitative approach through observation, outreach, discussion, and field practice, including comparative studies with existing cooperatives. The activity involved village community members, PKK members, and Karang Taruna (Youth Organization) as agents of the local economy. The results of the activity showed an increased community understanding of the principles, benefits, and governance of cooperatives, as well as increased awareness and interest in participating in the formation of Village Unit Cooperatives. This activity is expected to serve as a foundation for strengthening village economic institutions to improve community welfare in an inclusive and sustainable manner.
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