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Puji Handayati

Universitas Negeri Malang

Author-ID : 2413466

Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Dentistry Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Mechanical Engineering Medicine & Pharmacology Neuroscience Nursing Physics Public Health Social Sciences Transportation Other

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Mapping Accounting Literacy And Financial Literacy In Business Education: A Bibliometric Analysis Yusuf, Yusuf; Andrianto, Ahmad; Handayati, Puji; Restuningdiah, Nurika
Journal of Applied Business, Taxation and Economics Research Vol. 5 No. 1 (2025): October 2025
Publisher : PT. EQUATOR SINAR AKADEMIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54408/jabter.v5i1.460

The research discusses the mapping of accounting literacy and financial literacy in business education which is increasingly important for students now. The purpose of this study is to determine the most popular research topics to be researched over the past ten years with bibliometric analysis. This research filters articles from the Scopus database from 2015 to 2025 using VOSviewer analysis software. A total of 1654 articles were accessed through various filtering processes. This study distributes the results based on the year of publication and the most researched articles. The findings explain that financial literacy is a topic of discussion that is often used by researchers. While the integration of accounting literacy and digital literacy in business education is still a little research. The implications of this research encourage the education curriculum to improve accounting literacy and digital literacy skills in order to adapt to technological developments.

Measuring The Contribution Of Financial Literacy In Building The Competitive Advantage Of MSMEs In Indonesia : Systematic Literature Review (SLR) Amelia Sugangga; Puji Handayati; Arief Noviarakhman Zagladi
Brilliant International Journal Of Management And Tourism Vol. 3 No. 3 (2023): Brilliant International Journal Of Management And Tourism
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/bijmt.v3i3.2225

A country's economic growth cannot be separated from the role of Micro, Small and Medium Enterprises (MSMEs) as the backbone of a strong economy. MSMEs experience various problems, including limited access to resources, inadequate infrastructure, and the inability to compete on a larger scale. These factors become obstacles for MSMEs to optimize their potential and compete in an increasingly complex market . It is important for MSME players to improve their product advantages or marketing strategies, because MSMEs are one of the important business sectors in Indonesia. There are not many studies that systematically measure the contribution of financial literacy in building the competitive advantage of MSMEs, especially in the Indonesian context. This research tries to open a new space by using the Systematic Literature Review (SLR) method to detail the understanding of the concept of financial literacy and its implications for the competitive advantage of MSMEs in Indonesia. The importance of this research lies in the urgency to provide a more comprehensive view of how financial literacy can make a concrete contribution in establishing and maintaining the competitive advantage of MSMEs. Results of this research state that Financial literacy has a significant role in helping MSMEs face financial challenges and compete in a dynamic market. It is hoped that the results of this research can provide practical and policy implications for stakeholders, government and business people in increasing the financial literacy of MSMEs, so as to create an environment that supports the growth and competitiveness of MSMEs in Indonesia.

Self-Efficacy In Entrepreneurship As A Mediator Between Industrial Work Practice And Entrepreneurship Education Haqi, Syafrozi; Puji Handayati; Agus Hermawan
International Journal of Business and Quality Research Vol. 3 No. 04 (2025): October - December, International Journal of Business and Quality Research (IJ
Publisher : Citakonsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijbqr.v3i04.2419

This research holds high urgency given the high rate of educated unemployment in Indonesia, particularly among Vocational High School (SMK) graduates. The study's core focus is analyzing the crucial role of vocational education in creating graduates who are not only job-ready but also capable of entrepreneurship. Using a quantitative, cross-sectional design on 12th-grade Marketing students at State Vocational High Schools in Mojokerto Regency, the study specifically aims to test the influence of Industrial Work Practice (Prakerin) and Entrepreneurship Education on Entrepreneurial Motivation, with Self-Efficacy as a mediating variable. Data analysis will be conducted using Partial Least Square-Structural Equation Modeling (PLS-SEM). While the final results are not yet available, the research is expected to reveal that Self-Efficacy acts as a significant mediator. This implies that the Prakerin experience and entrepreneurship coursework must first successfully foster students' self-confidence before their entrepreneurial motivation can be adequately boosted. Based on this framework, the key recommendations are to optimize the quality and duration of Prakerin and to reform Entrepreneurship Education methods to focus more on developing Self-Efficacy through intensive business simulations and real-world projects. Ultimately, these findings are expected to provide vital insights into how industrial experience and formal education can be better aligned to effectively encourage entrepreneurial aspirations among SMK graduates

Pelatihan Pemahaman Digital Marketing dan Peningkatan Kualitas Desain dalam Meningkatkan Nilai Jual pada UMKM Desa Tambakasri Izzalqurny, Tomy Rizky; Handayati, Puji; Ferdiansyah, Rifaldy Adinandra
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 4 No. 4 (2023): Jurnal Pengabdian kepada Masyarakat Nusantara (JPkMN)
Publisher : Lembaga Dongan Dosen

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

Artikel ini membahas upaya pengembangan ekonomi dan peningkatan kualitas hidup masyarakat di Desa Tambakasri, Kecamatan Tajinan, Kabupaten Malang, Jawa Timur. Desa ini memiliki luas wilayah 216 hektar dengan sumber daya alam yang melimpah di sektor pertanian, peternakan, dan lahan. Pertanian, terutama tanaman pangan seperti padi, tebu, dan palawija, menjadi tulang punggung ekonomi desa. Namun, tantangan globalisasi dan perkembangan ekonomi yang pesat mendorong perlunya inovasi. Usaha Mikro, Kecil, dan Menengah (UMKM) di Desa Tambakasri memiliki peran penting dalam pengembangan ekonomi lokal. Mereka menciptakan lapangan pekerjaan dan berkontribusi pada pertumbuhan ekonomi berkelanjutan. Dalam era digital, digital marketing dan desain grafis menjadi kunci dalam mempromosikan produk UMKM. Social media dan content marketing digunakan sebagai alat penting dalam digital marketing, dengan Canva sebagai alat desain grafis yang berguna. Kegiatan pengabdian meliputi observasi awal, penyuluhan, pendampingan, dan evaluasi. Observasi membantu tim pengabdian memahami situasi dan kebutuhan di Desa Tambakasri. Penyuluhan dan pendampingan melibatkan pelatihan penggunaan Canva dan media sosial untuk digital marketing. Evaluasi dilakukan untuk mengukur dampak program pelatihan. Hasil program pengabdian ini menunjukkan peningkatkan kemampuan UMKM dalam digital marketing dan desain produk, dengan dampak positif pada perkembangan ekonomi desa. Hal ini penting dalam membantu UMKM bersaing dalam era digital.

Accounting from Chinese Entrepreneur Perspectives Windasari, Ihsanul; Handayati, Puji; Wardoyo, Cipto
International Journal of Applied Business and International Management Vol 5, No 3 (2020): December 2020
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijabim.v5i3.983

This research aims to describe the meaning of accounting on Chinese businessperson perspective. It was conducted at Chinese beekeeping in Malang Regency. Observations, interviews, and documentations were used as data collection technique on this study. This study is qualitative research with phenomenology approach focusing on thought, individual and society as the object of analysis. It was interesting to determine how Chinese entrepreneurs perceive accounting since many entrepreneurs believe Chinese entrepreneurs can be relied on. This study contended that Chinese entrepreneurs see accounting as (1) information; (2) calculation (decision based); and (3) accountability.

How Digital Marketing Research Trends Over Time: A Bibliometric Analysis on Scopus Database Muttaqien, Zaenul; Hermawan, Agus; Handayati, Puji
Formosa Journal of Science and Technology Vol. 3 No. 4 (2024): April 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjst.v3i4.9171

The digital era has revolutionized marketing practices, particularly through social media and mobile platforms, profoundly impacting consumer behavior and business strategies. Extensive research underscores the pivotal role of digital marketing in fostering customer relationships and driving business growth. Based on the gathered metadata, bibliometric analysis evaluates the effectiveness of scientific publications. This study investigates the following topics: (1) the total number of articles published by year; (2) the journal in which the author published the article; (3) the affiliation of the researcher who published the article; (4) the nation in which the researcher published the article; and (5) the researcher's field of study. Data in the form of scientific publications written in the English language were gathered between 2003 and 2024 from the Scopus database using the keyword "digital marketing." Vosviewer is used to visualize the publication development mapping image, and tables and graphs make up the presentation.The digital era has revolutionized marketing practices, particularly through social media and mobile platforms, profoundly impacting consumer behavior and business strategies. Extensive research underscores the pivotal role of digital marketing in fostering customer relationships and driving business growth. Based on the gathered metadata, bibliometric analysis evaluates the effectiveness of scientific publications. This study investigates the following topics: (1) the total number of articles published by year; (2) the journal in which the author published the article; (3) the affiliation of the researcher who published the article; (4) the nation in which the researcher published the article; and (5) the researcher's field of study. Data in the form of scientific publications written in the English language were gathered between 2003 and 2024 from the Scopus database using the keyword "digital marketing." Vosviewer is used to visualize the publication development mapping image, and tables and graphs make up the presentation.

The Intention to Use Mobile Payment during the Covid-19 Pandemic: The Mediating Role of Attitude Handayati, Puji; Trisnawati, Novi
Jurnal Pendidikan Ekonomi Dan Bisnis (JPEB) Vol. 11 No. 01 (2023): Jurnal Pendidikan Ekonomi & Bisnis (DOAJ & SINTA 2 Indexed)
Publisher : Faculty of Economics, Universitas Negeri Indonesia,Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/JPEB.011.1.4

The Covid-19 pandemic requires individuals to maintain physical distance and this has affected buying and selling transactions where previously the majority used the cash payment system to switch to digital payments or mobile payments to maintain distance and reduce physical contact. This study aims to examine the effect of perceived usefulness and perceived ease of use on the intention to use mobile payment in Malang of Indonesia. This study also investigates the mediating role of attitude in explaining this relationship. The population in this study are individuals who adopted mobile payment services in Malang of East Java in Indonesia. The analytical tool used is Structural Equation Modeling (SEM). The findings of this research showed that perceived usefulness and perceived ease of use had a direct effect on attitudes, perceived usefulness, while perceived ease of use and attitudes also had a direct effect on the intention to use mobile payment. In addition, attitudes can mediate perceived usefulness and perceived ease of use on the intention of using mobile payments during the Covid-19 pandemic.

Financial Behavior Dynamics of MSME Actors: A Contemporary Islamic Financial Management Study on Literacy, Attitude, Intention, Personality, and Legal Aspects Muhammad Sulhan; Heri Pratikto; Imam Mukhlis; Puji Handayati; Muhammad Irfanul Hakim Zain
MILRev: Metro Islamic Law Review Vol. 4 No. 1 (2025): MILRev: Metro Islamic Law Review
Publisher : Faculty of Sharia, IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/milrev.v4i1.10075

This study explores the dynamics of financial behaviour among Micro, Small, and Medium Enterprises (MSMEs) within the framework of contemporary Islamic financial management. It focuses on analyzing the relationship between financial literacy, attitudes toward Islamic finance, intention to manage finances in line with Sharia principles, and the influence of personality traits on financial decision-making. Using a quantitative survey involving MSME actors from various industry sectors, the research finds that while overall financial literacy remains relatively low, most respondents possess a basic understanding of Islamic financial principles. Higher levels of financial literacy—especially in areas like cash flow and investment—are positively linked to effective financial management. A positive attitude toward Islamic finance also enhances MSME actors' intention to apply Sharia-compliant practices in their business operations. Those who value Islamic financial principles tend to manage debt more responsibly and avoid non-compliant financial behaviour. The study further shows that intention plays a central role in shaping Sharia-aligned financial practices. MSME actors with strong Sharia-based financial intentions are more open to using Islamic financial instruments and participating in related educational programs. Personality traits, particularly openness and conscientiousness, are found to significantly influence the likelihood of adopting Islamic financial practices, whereas closed or less detail-oriented individuals face greater challenges. This research contributes to the broader literature on Islamic financial management by offering insights into the behavioural factors influencing MSME financial practices and providing practical implications for strengthening Islamic financial literacy and implementation in the MSME sector.

THE EFFECT OF SERVICE QUALITY ON INDIHOME CUSTOMER SATISFACTION AT PT. TELKOM AKSES MALANG Setiawan, Bagus; Adelia Rahma; Ery Tri Djatmika Rudijanto Wahju Wardhana; Puji Handayati; Mohammad Rofiudin; Achmad Barizi
International Journal of Economics and Management Research Vol. 1 No. 3 (2022): December: International Journal of Economics and Management Research
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v1i3.43

This study aims to determine the effect of Service Quality on Indihome Customer Satisfaction at PT. Telkom Access Malang, and how much influence the Service has on Indihome Customer Satisfaction at PT. Telkom Access Malang. The factor tested in this study is service quality as an independent variable. While customer satisfaction as the dependent variable. The research method used in this research is a quantitative descriptive method. The population in this study are IndiHome Malang provider customers. The sampling technique used in this study was purposive sampling, where the sample was selected based on certain considerations with a sample size of 100 people. While the analytical method used in this study is linear and multiple regression analysis at a significance level of 5%. The program used in analyzing the data uses the Statistical Package for Social Sciences (SPSS) Ver. 18.00. The test results show that physical evidence, reliability, responsiveness, assurance and empathy partially and simultaneously have a significant effect on customer satisfaction of IndiHome Malang Providers. The results showed that service quality including physical evidence, reliability, responsiveness, assurance and empathy had an influence on customer loyalty, meaning that to maintain customer loyalty one must pay attention to the 5 service quality factors, one must determine the concept of good service, for example trying to meet needs and wants as well as provide convenience for consumers who enjoy the service. Customer satisfaction with services is the key to success, not only in the short term, but sustainable excellence

Incorporating the five pillars of pancasila for enhancing anti-fragility in sustainable umkm development Septi Fauji, Diah Ayu; Pratikto, Heri; Winarno, Agung; Handayati, Puji
JPPI (Jurnal Penelitian Pendidikan Indonesia) Vol. 10 No. 3 (2024): JPPI (Jurnal Penelitian Pendidikan Indonesia)
Publisher : Indonesian Institute for Counseling, Education and Theraphy (IICET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/020244570

Micro, Small, and Medium Enterprises (UMKM) play a vital role in the global economy, including in Indonesia, where their functions and definitions may vary across different countries. This research explores the integration of Pancasila values in fostering the sustainable development of UMKM in Indonesia, emphasizing ethical business practices and inclusivity. Conducted in East Java, the study involved 220 UMKM actors and focused on analyzing the influence of Pancasila-based performance factors on UMKM resilience. Using factor analysis, the study examines the effects of Pancasila values on UMKM resilience, demonstrating the high validity and reliability of the instruments used. The findings highlight that the adoption of Pancasila values significantly enhances the resilience of UMKM, particularly in terms of their ability to adapt and thrive in challenging conditions. The results also underscore the importance of integrating ethical, social, and cultural values into business practices to ensure long-term economic sustainability. These insights can inform practical strategies for managing UMKM and shaping policies that foster their growth and resilience.

Co-Authors Aang Kunaifi Aang Kunaifi Abdullah Syakur Novianto Achmad Barizi Achmad Barizi Adam Gumilang Rahmawan Adelia Rahma Adelia Rahma Afifudin Afifudin Agung Purnawarman Agung Winarno Agus Hermawan Agus Hermawan Ahmad Wahyudin Ahmad Zaki Azzuhairi Aisyah Asri Nurrahma Akidah Fitrah Alvyola Permata Yussanto AMELIA SETYAWATI Amelia Sugangga Amin, Muh. Sirojuddin Andrianto, Ahmad Andy Chandra Pramana Anisa Tus Saidah Anita Handayani Anugrahani, Inanda Shinta Arief Noviarakhman Zagladi Arif Wicaksono Aris, Nyuherno Aulianda, Mega Azeeta Nur Partiwi Bagus Setiawan Bagus Setiawan Bagus Shandy Narmaditya Bahri, Mat Bahri, Matahari Adihapsari Saiful Bambang Sugeng Bambang Sugeng Bastomi, Mohamad Bellini Munezero Brilian Prastiti Andri Safitri Budi Eko Soetjipto Budi UTAMI Cholifah, Emilia Nur Chozin, Chozin Cipto Wardoyo Dewi Diah F Distiawati, Rania Putri Djoewita Djoewita Djoewita Djoewita, Djoewita Dodik Juliardi Dwi Wulandari Dyah Arini Rudiningtyas Dyah Setyawati Eddy Sutadji Ega Saiful Subhan Eka Ananta Sidharta Eko Juni Wahyudi Ely Siswanto Ery Tri Djatmika Rudijanto Wahju Wardhana Ery Tri Djatmika RWW Etty Soesilowati Faizin, Moh. Fauji, Diah Ayu Septi Fazlur Rahman Rahawarin Ferdiansyah, Rifaldy Adinandra Fitriyah Fitriyah Fulgentius Danardana Murwani Gita Yuniar Gunartin . Guntur Kusuma Wardana Hadi Ismanto Hanif Rani Iswari Haqi, Syafrozi Hari Wahyono Heri Pratikto Heri Purnomo Hernanik, Nova Dwi Ihsanul Windasari Ilham, Rachmad Imam Habibi Imam Mukhlis Indratirta, Nadia Prima Insani, Yogie Dana Iradah Rahman Irma Hidayati Ismanto, Hadi Ismanto Ismawati, Lilik Isnaini, Arif Ita Athia Ita Prihatining Wilujeng Iva Khoiril Mala Izzalqurny, Tomy Rizky Junaidi Khalikussabir, Khalikussabir Khusnia, Rif’atul Kukuh Budianto Kukuh Budianto KURNIAWAN, RIVALDO Kusuma, Shafarina Dewi Lailatul Rohmah Laksono, Andi Latif, Sahraman D. Hadji Ludi Wishnu Wardana Lukmanasari, Herla Luthfiya Fathi Pusposari M. Cholid Mawardi Mahmud Mahmud Makaryanawati Makayanawati Makayanawati ‏‏‎ Maretasari, Rina Masculine Muhammad Muqorobin Maslichah Maslichah Mega Aulianda Mifta Ria Oktaviana Mifta Ria Oktaviana Moch Mohtar Moch. Wahyu Widodo Moh Yasir Moh. Amin Mohammad Rofiudin Mohammad Rofiudin Muchamad Rizky Fauzi Muchamad Rizky Fauzi Mufid A Muhammad Bukhori Dalimunthe Muhammad Irfanul Hakim Zain Muhammad Irsan Y Hi Wahid Muhammad Sulhan Mustofiyah, Nuriyatul Muttaqien, Zaenul Nabila Aura Dewanti Nabila Aura Dewanti Nadliroh, Indah Datin Naswan Harsono Naswan Suharsono Novi Trisnawati Novi Trisnawati Novita Rifaul Kirom, Novita Rifaul Nur Diana Nur Diana Kholidah SM Nurika Restuningdiah Nurul Farida Nurus Shobah Nurus Shobah Pahrizal Pahrizal Prastiono, Suryo Purnawarman, Agung Purwadi, Muhammad Guntur Purwianti, Ari Putra Hilmi Prayitno Rachmawati, Dita Rahajeng Cahyaning Putri Cipto Raharimalala Narindraniaina Elisoa Rahayu RAHAYU Rahman, Fadali Rahman, Iradah Rahmi, Vembri Aulia Rania Putri Distiawati Ratna Dwi Nastiti Ratna Tri Hardaningtyas Ravinesh Rohit Prasad, Ravinesh Rohit Renny Dwijayanti Restu Millaningtyas Reyhan Mahardika Rieska Maharani Rini Astuti Rini Astuti Rizkita, Marsya Aulia Rizky Arief Shobirin Rizky Firmansyah RIZKY NURYANTI Rokhman, Afif Nur Rosmala Dewi Rosmiza Bidin RR. Ella Evrita Hestiandari Saiful Arif santoso, fuji Saptaria, Lina Saraswati, Thusy Tiara Satia Nur Maharani Septiawan, Bambang Shadi Emad Areef Alhaleh Shafarina Dewi Kusuma Sheila Febriani Putri Siti Salina Mustakim Slamet Fauzan Sonhaji Sri Umi Mintarti Sudarmiatin Sugangga, Rayyan Sukarsih Sukarsih, Sukarsih Sulis Rochayatun Sulton Sholehuddin Sumiati Sumiati Sunandes, Aris Sunariyadi, Sunariyadi Suparti Suparti Sutomo Sutomo Syafrozi Haqi Tasnim Nikmatullah Realita Tatas Ridho Nugroho Tatas Ridho Nugroho Tjatur, Christian Ulfi Andrian Sari Umi Nandiroh Umu Rosyidah Vega Wafaretta Vembri Aulia Rahmi Wahid, Muhammad Irsan Y Hi Wahju Wardhana Wahyu Dede Gustiawan Wahyu Mustika Rani Wakik Wardhana, Ery Tri Wibowo, Nyuherno Aris Widyaningrum, Santi Winda Ayu Anggraini Windasari, Ihsanul Yulani, Farah Siska Yuli Soesetio Yuniar, Gita Yusuf Yusuf

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