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All Journal Cakrawala Pendidikan Trikonomika: Jurnal Ekonomi Journal of Economics, Business, & Accountancy Ventura Jurnal Ekonomi dan Studi Pembangunan (Journal of Economics and Development Studies) Al Ishlah Jurnal Pendidikan Jurnal Pendidikan Ekonomi & Bisnis Jurnal Pengabdian Pada Masyarakat Jurnal Pendidikan Edutama Ekspose: Jurnal Penelitian Hukum dan Pendidikan Jurnal Kependidikan: Jurnal Hasil Penelitian dan Kajian Kepustakaan di Bidang Pendidikan, Pengajaran dan Pembelajaran Dharmas Education Journal (DE_Journal) COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat East Asian Journal of Multidisciplinary Research (EAJMR) Journal of Language, Literature, and Arts (JoLLA) Asian Journal of Management Analytics International Journal of Economics and Management Research Journal Research of Social Science, Economics, and Management Jurnal Ekonomi, Bisnis dan Pendidikan (JEBP) Indonesian Economic Review Economic Development Analysis Journal
Dwi Wulandari
Universitas Negeri Malang
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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Empirical Analysis of the Impact of Smart Economy Through Entrepreneurial Credit Program ( KURNIA ) on Empowering SMEs in Kediri City Muhammad M. Haki Al-Arif; Dwi Wulandari; Inayati Dwi Putri
East Asian Journal of Multidisciplinary Research Vol. 2 No. 9 (2023): September 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/eajmr.v2i9.6075

Abstract

In today's globalized world, Information Technology (IT) is advancing rapidly, with a strong public interest in information systems. Information Technology (IT) helps governments and organizations process data effectively. The goal of the Smart Economy is to create an ecosystem supporting local economies and adapting to disruptions. To achieve this, financial literacy programs are essential, focusing on three elements: ecosystem, community welfare improvement, and financial transactions. The strategy emphasizes a creative and cooperative industrial environment, benefiting all parties, which ultimately enhances people's well-being. The "KURNIA" initiative offers low-interest business capital loans, benefiting micro-businesses and cooperatives, especially during the COVID-19 pandemic. This quantitative study explores the causal relationship between the KURNIA program and the empowerment of MSMEs in Kediri City, confirming a significant positive impact.
Nexus Between Monetary Instruments and Bank Credit Distribution: Evidence from ASEAN Countries Rani Septiani; Dwi Wulandari; Bagus Shandy Narmaditya; Putra Hilmi Prayitno
Indonesian Economic Review Vol. 2 No. 1 (2022): Februari
Publisher : Cahaya Abadi Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53787/iconev.v2i1.1

Abstract

The aim of this study was to examine the relationship between monetary indicators and bank credit distribution, including inflation, interest rate, and exchange rate in seven ASEAN countries namely Brunei, Indonesia, Philippine, Malaysia, Singapore, Thailand, and Vietnam. This study applied a quantitative approach by engaging multiple regression analysis with panel data using cross-section data from 2012 to 2018. The data in this research was secondary data which gathered from the World Bank website. The findings of this study showed that inflation and interest rate had a negative influence on bank credit distribution, while the exchange rate had a positive effect on bank credit distribution. The study’s result also showed that variable inflation, interest rate, and the exchange rate had a simultaneous effect on bank credit distribution in seven ASEAN countries. These results suggest that for the policy makers in each ASEAN country should be able to consider a lending regulation.
The Development of Creative Economy : Case Study of Jodipan Colorful Village In Malang Maesa Rani; Dwi Wulandari
Economics Development Analysis Journal Vol 7 No 3 (2018): Economics Development Analysis Journal
Publisher : Economics Development Department, Universitas Negeri Semarang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/edaj.v7i3.22541

Abstract

The purpose of this study aim at understanding the development of creative economy in order to increase economic welfare of local community. The establishment of Jodipan Colorful Village which based on creative economy is a way to control the amount of slum area and was able to increase the economic welfare of society as expected. The qualitative descriptive approach aimed at get deep pictures about the researched situation and progress. Based on the results, we can conclude the creative economy development in a form of tourism village has been improving the economic welfare of local community in Jodipan Colorful Village. The economic welfare improvement is shown by the increase of job opportunities after Jodipan Colorful Village is established as tourism village in Malang, Indonesia. Another impact of established Jodipan Colorful Village enables the local citizens become more productive, have their own income, and the environment is well maintained.
Family Financial Socialization and Social Media: Their Impact on Educational Investment Decision Among Worker Students, Mediated by Financial Literacy and Internal Locus of Control Kustitik Kustitik; Heri Pratikto; Hari Wahyono; Dwi Wulandari
AL-ISHLAH: Jurnal Pendidikan Vol 17, No 1 (2025): MARCH 2025
Publisher : STAI Hubbulwathan Duri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35445/alishlah.v17i1.6482

Abstract

This study investigates the impact of family financial education and social media on educational investment decisions, with financial literacy and internal locus of control as mediators. The research follows an explanatory design using a survey method. The population consists of 15,530 individuals enrolled in Pamulang University's employee class program. A sample of 375 respondents was selected through proportionate random sampling. Data was collected via an online survey using Google Forms. Partial least squares structural equation modeling (PLS-SEM), analyzed with SmartPLS version 3.0, was employed to estimate the data. The results indicate that social media and family financial socialization both directly and indirectly influence educational investment decisions. However, family financial socialization did not significantly affect financial literacy, and thus could not mediate educational investment decisions. Internal locus of control emerged as the most significant predictor and mediator, suggesting that psychological factors have a stronger influence than financial knowledge. Furthermore, social media was found to play a key role in enhancing students' financial literacy and internal locus of control. Based on these findings, it is recommended that universities implement financial literacy programs for parents to support family financial education, as well as leverage social media to enhance students' locus of control and financial literacy.
THE SYNERGY OF FISCAL AND MONETARY POLICY FOR REAL SECTOR Ika Permatasari; Hendry Cahyono; Dwi Wulandari; Hadi Sumarsono
Journal of Economics, Business, and Accountancy Ventura Vol. 16 No. 3 (2013): December 2013
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v16i3.218

Abstract

One of the causes of low growth and the real sector's contribution is economic policy, both fiscal and monetary that is lesssupportive of the economic actors in the real sector. From the fiscal side, the budget magnitudescan be seen to the realsector (e.g. Agriculture) that is less than 5 percent. The funds are still skimpy that assessed itis difficult todevelop the agricultural sector. From the monetary side, the interest rate is judged still too high and cause economic actors in the real sector is quite difficult to get capital access. This study aims to find synergies between fiscal and monetary policy to support the real sector. This research was using Analytical Hierarchy Process (AHP) through the distribution ofquestionnaires to respondents of SME in Surabaya. The results showedthat interest rate and capital accessto financial institutions are factors considered by SME in obtaining credit (monetary policy). On the other hand, raw materials subsidies and fuel are also a major concern for them to increase production output (fiscal policy).
DEVELOPMENT OF ECONOMICS LEARNING THROUGH THE ANALYST CURRICULUM DATABASE IN ADVANCED ECONOMICS EDUCATION Dwi Wulandari; Putra Hilmi Prayitno; Andi Basuki; Abdul Rahman Prasetyo; Ari Gunawan; Afis Baghiz Syafruddin
Dharmas Education Journal (DE_Journal) Vol 4 No 3 (2024): DE_Journal
Publisher : Fakultas Keguruan dan Ilmu Pendidikan Univesitas Dharmas Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56667/dejournal.v4i3.967

Abstract

Indonesia's significant economic development in recent decades, driven by various sectors, including information and communication technology, emphasizes the importance of broader economic education for students. However, a knowledge gap exists on how data-driven methodologies can be effectively applied in advanced economics curricula. This study uses a Research and Development (R&D)-based development methodology to design, develop, and evaluate a data analysis-based learning platform. The results show that this platform successfully meets very high validity criteria, with an average validation score of 86.67%, indicating the suitability of the material to learning objectives, data accuracy, and relevance to advanced economic concepts. In addition, the ease of navigation, the availability of technical support, and the quality of security and privacy are also rated excellent, reaching a score of 100%. These results confirm that the developed platform is academically relevant and capable of providing an interactive and safe learning experience for users. The implications of this study show that integrating data-based technology in economic learning can improve teaching effectiveness and student's understanding of complex economic concepts
EMPOWERMENT OF FARMER GROUPS THROUGH AGRICULTURAL FINANCIAL MANAGEMENT TRAINING: OPTIMIZING FARMER EXPENDITURES AND INCOME IN THE AMONG TANI FARMER GROUP Subagyo Subagyo; Dwi Wulandari; Afwan Hariri Agus Prohimi; Buyung Adi Dharma; Ari Gunawan; Afis Baghiz Syafruddin
Dharmas Education Journal (DE_Journal) Vol 4 No 3 (2024): DE_Journal
Publisher : Fakultas Keguruan dan Ilmu Pendidikan Univesitas Dharmas Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56667/dejournal.v4i3.1082

Abstract

Effective financial management is essential to the sustainability of farming businesses, especially amid economic changes and challenges faced by farmer groups such as Among Tani in Bumiaji, Batu City. Despite the growing awareness of the importance of financial management, many farmers still have difficulty applying the correct financial principles, especially in separating personal finance and farming. This creates a significant knowledge gap in applying practical and efficient financial management among farmers. Financial management training is carried out using a practical approach to answer this need, where the material is delivered through a combination of theory and practical sessions directly in the field. The main results of this training show that there is an increase in farmers' knowledge and skills in recording financial transactions, budgeting, and financial risk management. The participant's response was also very positive, with high enthusiasm for applying the techniques learned, and planned to form a small group focusing on joint financial management. Some participants even expressed their intention to immediately implement more transparent and efficient recording techniques in their farming businesses. The implications of this activity show that this kind of training is not only able to improve the technical skills of farmers but also change their mindset about the importance of sustainable financial management, which is ultimately expected to strengthen the financial independence of the farmer group as a whole.
COMMERCIALIZATION OF MSME DIGITALIZATION INCUBATION WITH BUSINESS DEVELOPMENT OF PROFIT SHARING AND EQUITY FUNDING MODELS Dwi Wulandari; Putra Hilmi Prayitno; Andi Basuki; Abdul Rahman Prasetyo; Fikri Aulia; Ari Gunawan; Afis Baghiz Syafruddin
Dharmas Education Journal (DE_Journal) Vol 4 No 3 (2024): DE_Journal
Publisher : Fakultas Keguruan dan Ilmu Pendidikan Univesitas Dharmas Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56667/dejournal.v4i3.1512

Abstract

MSMEs in Indonesia play a vital role in the economy, contributing more than 60% to GDP and absorbing 97% of the workforce. Digitalization provides new opportunities for MSMEs to increase competitiveness and diversify income sources, but challenges remain, such as low digital literacy, access to technology, and lack of training. This study aims to develop and determine the effectiveness of MSME digitalization incubation that combines profit-sharing and equity funding business models. The research method used is the business model canvas method with a quantitative and qualitative approach. The study results show that digitalization incubation programs significantly positively impact the growth of MSMEs, with 45% of respondents stating that digitalization is essential in improving business performance. However, only 30% of MSMEs understand the concept of equity funding well, indicating the need to improve financial literacy. In addition, the study found that trust in the profit-sharing model was higher than equity funding, with 40% and 35%, respectively. The implication of this study is the need to increase MSMEs' understanding and accessibility to digitalization-based business models through more comprehensive incubation programs, as well as the development of policies that support the strengthening of financial literacy among MSME actor.
The Impact of Entrepreneurship Education and Entrepreneurial Mindset on Entrepreneurial Intention: The Mediation Role of Digital Literacy Dias Intan Sholatiah; Sudarmiatin Sudarmiatin; Dwi Wulandari
Asian Journal of Management Analytics Vol. 5 No. 1 (2026): January 2026
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ajma.v5i1.15700

Abstract

This study examines the impact of entrepreneurship education and entrepreneurial mindset on entrepreneurial intention through digital literacy among vocational high school (SMK) students in the Praya Tengah area, Central of Lombok. Using the theory of planned behavior as a theoretical basis, this quantitative study involved 199 students selected through proportional random sampling. Data were collected through questionnaires and analyzed using SEM-PLS 4.0. The results showed that entrepreneurship education and entrepreneurial mindset had a significant effect on entrepreneurial intention, with digital literacy as a mediating variable. These findings indicate that strengthening digital literacy can improve students’ entrepreneurial readiness, thus requiring entrepreneurship education programs that are integrated with digital competencies in vocational students.
Nexus Between Monetary Instruments and Bank Credit Distribution: Evidence from ASEAN Countries Rani Septiani; Dwi Wulandari; Bagus Shandy Narmaditya; Putra Hilmi Prayitno
Indonesian Economic Review Vol. 2 No. 1 (2022): February : Indonesian Economic Review
Publisher : Cahaya Abadi Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53787/iconev.v2i1.1

Abstract

The aim of this study was to examine the relationship between monetary indicators and bank credit distribution, including inflation, interest rate, and exchange rate in seven ASEAN countries namely Brunei, Indonesia, Philippine, Malaysia, Singapore, Thailand, and Vietnam. This study applied a quantitative approach by engaging multiple regression analysis with panel data using cross-section data from 2012 to 2018. The data in this research was secondary data which gathered from the World Bank website. The findings of this study showed that inflation and interest rate had a negative influence on bank credit distribution, while the exchange rate had a positive effect on bank credit distribution. The study’s result also showed that variable inflation, interest rate, and the exchange rate had a simultaneous effect on bank credit distribution in seven ASEAN countries. These results suggest that for the policy makers in each ASEAN country should be able to consider a lending regulation.
Co-Authors Abbas, Muhammad Hasyim Ibnu Afis Baghiz Syafruddin Afwan Hariri Agus Sumanto Andi Basuki Ari Gunawan Bagus Shandy Narmaditya Buyung Adi Dharma Dias Intan Sholatiah Eddy Sutadji Eirene Yonastasia Riyadi Feny Putri Emyliani Fikri Aulia Grisvia Agustin Hadi Sumarsono Hari Wahyono Hendry Cahyono Heri Pratikto Ika Permatasari ika wahyu widyawati Inayati Dwi Putri Inayati Nuraini Dwiputri Kevin Danurdoro Kustitik Kustitik Lutfi Asnan Maesa Rani Mahirah Kamaludin Masnurul Hidayat Muhammad M. Haki Al-Arif Nora Ria Retnasih Ovy Prasanto Pragita Aci Adistya Prasetyo, Abdul Rahman Puji Handayati Putra Hilmi Prayitno Rangga Adi Caksana Rani Septiani Remond Joey Paywala Reza Ahmad Aulia Rima Handayani Shadi Emad Areef Alhaleh Siti Maimunah Purnamasari Siti Rosnita Binti Sakarji Siti Rosnita Sakarji Subagyo Subagyo Sudarmiatin Sugeng Hadi Utomo Suryati Ishak Thomas Soseco Vidya Purnamasari Wida Rahayuningtyas Yuniar Adhinaya Yulianti