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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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The effect of digital literacy, e-commerce business trend, mobile payment, income expectations on intention in digital-based entrepreneurship Mohamad Bastomi; Junaidi; Agus Hermawan; Puji Handayati
International Journal of Applied Finance and Business Studies Vol. 11 No. 3 (2023): December: Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v11i3.196

This study aims to analyze the effect of digital literacy, e-commerce business trends, mobile payments, and income expectations on intention in digital-based entrepreneurship. The population used in this study were students of the Faculty of Economics and Business, Islamic University of Malang. There were 190 respondents in this study. Data were collected through an online survey of respondents who have an intention in digital entrepreneurship. Partial Least Square (PLS) analysis method was used to test the relationship between independent variables and dependent variables. The results showed that digital literacy and income expectation have a significant positive influence on intention in digital-based entrepreneurship. In contrast, there is no significant effect of e-commerce business trend and mobile payment on entrepreneurial intention. The findings indicate the need to improve digital literacy and understanding of income expectations as an effort to encourage entrepreneurial intention, while strategies related to e- commerce and mobile payment need to be further evaluated. This research provides important insights for stakeholders in understanding the factors that influence intention in digital-based entrepreneurship. The practical implication of this study is the need to improve digital literacy and provide a better understanding of the income potential in entrepreneurship to encourage the creation of new digital-based entrepreneurs.

Quick Response Code Indonesia Standard in increasing the effectiveness of collecting Zakat, Infaq and Shadaqah Funds Afifudin Afifudin; Sulton Sholehuddin; Agus Hermawan; Puji Handayati
International Journal of Applied Finance and Business Studies Vol. 11 No. 3 (2023): December: Applied Finance and Business Studies
Publisher : Trigin Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/ijafibs.v11i3.200

This research aims to explain how effective the quick response code Indonesia standard (QRIS) is in the growth of increasing the collection of zakat, infaq and shadaqah funds in Baznas Kaya Malang. To answer the question above, the research design used is descriptive qualitative research involving three groups of informants (administrators, managers and muzakki or the public). Based on the results of the study, it shows that the level of effectiveness of collecting ZIS funds through digital QRIS is generally not effective. This is evidenced by the level of effectiveness in 2020 and in 2021 the level of effectiveness reached 24%, thus getting the predicate not yet effective. This shows that the implementation of digital QRIS in Baznas Malang City cannot be said to be effective in its collection due to the lack of understanding and trust of muzakki in digital QRIS.

Perilaku Konsumen Muslim di Lombok Berdasarkan Religiusitas dan Gaya Hidup Umu Rosyidah; Puji Handayati
Ekuitas: Jurnal Pendidikan Ekonomi Vol. 10 No. 1 (2022)
Publisher : Fakultas Ekonomi Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ekuitas.v10i1.42783

This paper is the result of research that aims to identify and analyze whether religiosity and lifestyle partially or simultaneously contribute to the influence of Muslim consumer attitudes in Lombok. The research results were processed by SPSS 20.0 testing. and the results both partially and simultaneously affect the behavior of Muslim consumers. And of the two variables, the more significant contribution to Muslim consumer behavior is the religiosity factor. It was found that at the level of religiosity most of the respondents stated their agreement on the elements that make up the dimensions of aqidah, shari'ah, religious knowledge, appreciation, and practice dimensions. This means that the consumer's decision to buy a product is in accordance with the content of their faith. Religious activities do not only occur when a person carries out rituals, but also when carrying out other activities such as buying and selling methods, consuming etc. For lifestyle variables, 78% of respondents reported their agreement on the main factors that make lifestyles, namely demographic factors such as education, age and total income that affect a person's lifestyle. Meanwhile, on psychographic factors, 91% of respondents agreed that psychographic factors such as interests, interests, hobbies and opinions affect a person's lifestyle. In this study, the determining variables in consumption activities are the consumption foundation and the consumption principle.

Determining Online Business Readiness Among Vocational School Students Throughout Banyuwangi Lailatul Rohmah; Puji Handayati; Ludi Wishnu Wardana
Journal of Educational Analytics Vol. 2 No. 4 (2023): November 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/jeda.v2i4.6933

In the digitalized Society 5.0 era, online businesses, particularly in Indonesia, have flourished with rapid technological changes. This research investigates the impact of entrepreneurship education and digital marketing literacy on the entrepreneurial attitudes of Vocational High School students in Banyuwangi, Indonesia, utilizing the Theory of Planned Behavior. Implications include significant contributions to SMK entrepreneurship education curriculum development and insights into factors influencing students' readiness for online businesses. Anticipated outcomes involve SMK students evolving into successful online entrepreneurs, contributing to local economic development. This quantitative study used Structural Equation Modeling based on Partial Least Square variance, employing Smart PLS 3.3 for analysis. Effective entrepreneurship education enhances preparedness and contributes to a robust entrepreneurial attitude. In summary, digital marketing literacy and entrepreneurship education complement each other, with students' attitudes linking the quality of both to their readiness for online businesses.

Factor Influence User’s Intention to Continue Use of Mobile Payment in Indonesia: Fintech Perspective Abdullah Syakur Novianto; Ratna Tri Hardaningtyas; Puji Handayati; Agus Hermawan
International Journal of Economics, Business and Innovation Research Vol. 2 No. 06 (2023): November, International Journal of Economics, Business and Innovation Research
Publisher : Cita konsultindo

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

This research aims to examine the influence of perceived usefulness and perceived ease of use on consumer attitude and the influence of consumer attitude on continuance intention among mobile payment users in Indonesia. Primary data was obtained by distributing online questionnaires to mobile payment users. Partial least squares–structural equation modelling (PLS-SEM) is used to test the influence of perceived usefulness and perceived ease of use on consumer attitude as well as the influence of consumer attitude on continuance intention of mobile payment. The results of this research are that perceived usefulness was found to have no effect on consumer attitude and continuance intention of mobile payment. Perceived ease of use was found to have a significant positive effect on consumer attitude. Likewise, consumer attitude was found to have a significant positive effect on the continuance intention of mobile payment.

Challenges of Adopting Blockchain Technology in Improving SME Performance Nur Diana; Maslichah Maslichah; Dewi Diah F; Agus Hermawan; Pujihandayati Pujihandayati
Asian Journal of Management, Entrepreneurship and Social Science Vol. 4 No. 01 (2024): Pebruary, Asian Journal of Management Entrepreneurship and Social Science ( AJ
Publisher : Cita Konsultindo Research Center

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The rise of technological innovation in the era of the Industrial Revolution 4.0 has caused a breakthrough in various lines of life, including the economy. One of the technological innovations is the blockchain that can also be exploited by SMEs. This study is a literature review study that aims to provide an overview of the benefits of blockchain adoption on SMEs, the factors driving its use, and the challenges of blockchain. The use of blockchain in SMEs can facilitate in terms of more transparent, effective, efficient supply chain management. Easier in terms of delivering goods more on time so that it can ultimately deliver customer satisfaction and make a competitive advantage. The use of blockchain can also make SMEs more internationalized by collaborating with foreign e-commerce. Factors that can drive SMEs to adopt the blockchain are perceived ease of use, perceved of usefullness, performance expectancy, effort expectance, social influence, facilitating condition, trust, and relative advantage. But the obstacles to adoption are risk perceptions, security perception, low awareness, and minimal digital infrastructure. This paper is expected to give SMEs an insight into the importance of blockchain adoption to increase their performance.

Merevolusi Batik: Bagaimana Fintech Memberdayakan UMKM Malang untuk Pertumbuhan Ekonomi nandiroh, Umi; Irma Hidayati; Puji Handayati; Agus Hermawan
International Journal Of Humanities Education and Social Sciences (IJHESS) Vol 3 No 4 (2024): IJHESS FEBRUARY 2024
Publisher : CV. AFDIFAL MAJU BERKAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55227/ijhess.v3i4.776

The study looks at how MSME's traditional business practices are being revolutionized by fintech, digital financial services, especially given Indonesia's burgeoning digital economy. The difficulty of MSMEs in obtaining Standard Financial Services is a major issue in this study, which has historically hindered their ability to grow and run more efficiently. Fintech solutions are becoming an important tool for small businesses because of their accessibility, cost efficiency, and simple procedures. Batik Malang MSMEs can break through financial barriers, gain access to new markets, and become more competitive by implementing fintech. Using in-depth interview techniques with owner Samtana Indonesia, one of Malang Batik entrepreneurs. The research explores a range of fintech services, including online lending platforms, digital payments, and e-commerce integration, showing how these services can promote a wider range of consumers, better financial management, and higher sales. Fintech integration improves the overall performance and sustainability of these MSMEs by enabling them to interact with the digital economy, which is not limited to a single country. The results of this case study also address the broader impact of fintech adoption on the Indonesian economy. It highlights how fintech is helping to advance financial inclusion, especially for small and medium-sized businesses, which is critical to Indonesia's economic expansion. In conclusion, the results of this study offer a thorough insight into how fintech adoption is transforming Batik Malang MSMEs, emphasizing the role of fintech adoption in increasing business productivity, expanding financial accessibility, and advancing Indonesia's overall economic growth.

Digital Transformation of Financial Literacy and Inclusion as a Support for Convenience for MSMEs Restu Millaningtyas; Moh. Amin; Agus Hermawan; Puji Handayati
International Journal Of Humanities Education and Social Sciences (IJHESS) Vol 3 No 5 (2024): IJHESS APRIL 2024
Publisher : CV. AFDIFAL MAJU BERKAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55227/ijhess.v3i5.824

Financial digital transformation provides easy access to financing in terms of financial literacy and inclusion. Digital financial literacy and inclusion is a means of education and ease of life and the future for both personal and business needs that are financially effective and efficient in various aspects including a wider range of transactions, easy to use, time-saving, affordable costs, easy-to-understand tools and maintained security. The purpose of this article is to explain the digital transformation of financial literacy and inclusion, explain the contribution of digital financial literacy to the convenience of MSMEs, explain the contribution of digital inclusion to MSMEs and discuss the advantages, disadvantages and solutions of digitalization of financial literacy and inclusion in its implementation. The method used in the study is RISMA 2020 (Preferred Reporting Items for Systematic review and Meta-Analyses) aimed at increasing the transparency and completeness of reporting systematic review results making it easier for readers to assess the trustworthiness and applicability of review findings. The result of digital transformation is financial access and financial literacy providing convenience through an easy-to-use and secure financial service platform for both the general public and business owners in conducting transactions, financing and investment. Digitalization of financial literacy will facilitate financial access, get financial education, and facilitate transactions, but in some countries financial inclusion does not have a significant effect on alleviating MSMEs, if these countries provide policies to financial institutions to increase lending with easy collateral it will enable the success of MSMEs.

Effect of Financial Literacy on the Financial Behavior of the Millennial Generation about the Dangers of Fraudulent Investment and Flexing Affiliations Indratirta, Nadia Prima; Handayati, Puji; Juliardi, Dodik
Journal of Business Management and Economic Development Том 1 № 02 (2023): May 2023
Publisher : PT. Riset Press International

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59653/jbmed.v1i02.154

This research presents insights into the impact of fraudulent investments spread by irresponsible influencers and affiliates on the millennial generation in Malang City. In addition, this study aims to determine the effect of financial literacy on the financial behavior of millennials in the city. This study uses a quantitative approach with descriptive analysis to explain the relationship between financial literacy variables and financial behavior. The main data was collected through an online survey with questionnaires distributed through social media platforms as well as through in-depth interviews with respondents who had been victims of fraudulent investments. The results showed that financial literacy has a significant effect on the financial behavior of the millennial generation in Malang City. Millennials with a high level of financial literacy tend to show better financial behavior, including in money management, investment, and debt management. It is hoped that the results of this study can raise awareness about the importance of financial literacy and help millennials make wise financial decisions

Pengaruh Stres Kerja, Lingkungan Kerja Dan Beban Kerja Terhadap Kinerja Pegawai Eko Juni Wahyudi; Puji Handayati; Arief Noviarakhman Zagladi
JOURNAL KOPERASI DAN MANAJEMEN Vol 4 No 02 (2023): JOURNAL KOPERASI DAN MANAJEMEN
Publisher : STIEKOP MALANG PRESS

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Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh stres kerja, lingkungan kerja dan beban kerja terhadap kinerja pegawai SMP Negeri 1 Tumpang Kabupaten Malang. Metode yang digunakan adalah explanatory research dengan sampel sebanyak 56 responden. Teknik analisis menggunakan analisis statistik dengan pengujian regresi, determinasi dan uji hipotesis. Hasil penelitian ini dapat diketahui bahwa (1) Variabel stres kerja secara parsial berpengaruh signifikan terhadap kinerja pegawai sebesar 33,3%, (2) Variabel lingkungan kerja secara parsial berpengaruh signifikan terhadap kinerja pegawai sebesar 46,0%, (3) Variabel beban kerja secara parsial berpengaruh signifikan terhadap kinerja pegawai sebesar 66,6%, (4) Variabel stres kerja, lingkungan kerja dan beban kerja secara simultan berpengaruh signifikan terhadap kinerja pegawai sebesar 73,9%, (5) Variabel beban kerja adalah variabel yang paling dominan berpengaruh terhadap kinerja pegawai dengan koefisien regresi sebesar 0,878.

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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