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Financial Decisions in Family Business: The Application of Financial Growth Cycle and The Theory of Planned Behavior Nurchayati, Nurchayati; Suprantiningrum, Rr.; , Muchayatin; Soegiastuti, Janti
Indonesian Journal of Business and Entrepreneurship Vol. 10 No. 1 (2024): IJBE, Vol. 10 No. 1, January 2024
Publisher : School of Business, IPB University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/ijbe.10.1.40

Abstract

Family businesses are influenced by economic and non-economic factors when it comes to making decisions, including financing decisions for business growth. In particular, individual financial attitudes could greatly affect financial behavior in family firms. This study explored the relationship between access to information, external sources, family norms, and experience in influencing financing decisions for family business growth. The study collected data through questionnaires from 153 managers/owners in micro, small, and medium enterprises in Semarang. It used a quantitative method with regression analysis techniques with the Structural Equation Modeling (SEM) using AMOS software. The study found that information access (S.E.=0.078; p-value=0.001), external sources (S.E.= 0.055; p-value=0.000), family norms (S.E.= 0.069; p-value=0.000) had significant effects on experience. Moreover, financing decisions were influenced by family norms (S.E.= 0.072; p-value=0.000), and experience (S.E.= 0.089; p-value=0.001). The results also show that experience could mediate the relationship between access to information and external sources with financing decisions. Based on these findings, family businesses need to consider these factors when making financing decisions to succeed carefully. This study provides important insights for family businesses looking to make informed and effective decisions regarding financing their growth. Keywords: financing decisions, family business, financial growth cycle, theory of planned behavior
Upaya Pemanfaatan Limbah Jamu Untuk Meningkatkan Pendapatan Rumah Tangga di Kelurahan Wonolopo Kecamatan Mijen Kota Semarang Haryanti, Caecilia Sri; Soegiastuti, Janti; Nugroho, Aji; Faizah, Isti
SWARNA: Jurnal Pengabdian Kepada Masyarakat Vol. 3 No. 1 (2024): SWARNA: Jurnal Pengabdian Kepada Masyarakat, Januari 2024
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/swarna.v3i1.1130

Abstract

Masyarakat kelurahan Wonolopo, Kecamatan Mijen Kota Semarang rata rata penduduk memiliki lahan pekarangan yang masih cukup luas, serta di dukung mata pencaharian yang masyarakat di kelurahan Wonolopo yang beragam, Kelurahan Wonolopo Kecamatan Mijen Kota Semarang merupakan kategori desa wisata berkembang, untuk itu diperlukan lingkungan yang bersih dan penataan yang baik dari limbah, kotoran yang akan merusak pemandangan para wisatawan. Suasana pedesaan masih sangat di rasakan di sini. Kelurahan Wonolopo dipimpin oleh ibu Rina Sugiwurwani, disini banyak kampung tematik yang layak dikunjungi dan progres capaian kampung tematik ada 15. Peluang untuk pemanfaatan limbah jamu dapat direalisasikan dengan memberdayakan ibu rumah tangga yang tidak bekerja dan juga para karang taruna yang belum bekerja. Dengan demikian akan menjadi peluang penambahan pendapatan dan potensi pengembangan ekonomi di daerah tersebut. Proses pengolahan limbah tidak terbatas hanya pada limbah jamu saja, namun juga limbah rumah tangga yang selalu menjadi masalah bagi lingkungan, agar tidak merambah pada pencemaran, dengan berjalannya pengolahan limbah lingkungan akan bersih dan masyarakat akan memperoleh manfaat dengan penambahan pendapatan.
The Influence of Information Systems and Knowledge on the Implementation Effectiveness of Livin' by Mandiri Application Soegiastuti, Janti; Purnomo, Gunawan Setio
Untag Business and Accounting Review Vol 1, No 2: October 2022
Publisher : Faculty of Economics and Business UNTAG Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/ubar.v1i2.3326

Abstract

This study aimed to analyze the effect of information systems and user knowledge on the implementation effectiveness of Livin’ by Mandiri application. The research population is Bank Mandiri KCP Semarang MT Haryono customers who have used Livin’ by Mandiri as many as 466,856 customers. The number of samples used was 100 people who were taken using simple random sampling. The data collected were analyzed using multiple linear regression. The results showed that the information system and knowledge had a positive and significant effect on the implementation effectiveness of Livin’s by Mandiri application. The results of the study concluded that customer knowledge about the application system has a more dominant influence on the implementation effectiveness compared to knowledge. According to this result, service providers of Livin by Mandiri should update their information systems, provide good complaint services, and educate consumers through social media channels.
Gamifikasi “Marine Protector” sebagai Media Edukasi Sampah Plastik untuk Pemberdayaan Masyarakat Pesisir Tambak Lorok Janti Soegiastuti; Nurhayati, Ema; Maliki Aji Prakoso
Jurnal Suara Pengabdian 45 Vol. 4 No. 4 (2025): Desember: Jurnal Suara Pengabdian 45
Publisher : LPPM Universitas 17 Agustus 1945 Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/mjg73306

Abstract

Program pengabdian masyarakat ini bertujuan untuk memberdayakan masyarakat pesisir Kampung Tambak Lorok, Semarang, dalam pengendalian sampah plastik melalui inovasi teknologi berbasis gim edukasi digital bernama 'Marine Protector'. Permasalahan sampah plastik di kawasan pesisir telah menimbulkan dampak ekologis dan sosial ekonomi yang signifikan. Melalui pendekatan gamifikasi, kegiatan ini mengintegrasikan edukasi lingkungan, hukum, dan ekonomi sirkular ke dalam media pembelajaran yang menarik dan interaktif. Kegiatan dilaksanakan melalui tahap sosialisasi, pelatihan, pendampingan, serta evaluasi. Hasil kegiatan menunjukkan peningkatan kesadaran masyarakat terhadap pentingnya pengelolaan sampah plastik, keterlibatan aktif ibu-ibu PKK RW 14 Tambak Lorok, serta munculnya praktik pengurangan plastik sekali pakai di rumah tangga. Luaran kegiatan meliputi aplikasi gim edukasi, modul pelatihan, video dokumentasi, dan poster edukatif. Inovasi ini terbukti efektif sebagai sarana pemberdayaan masyarakat dan memiliki potensi replikasi untuk wilayah pesisir lainnya di Indonesia.
Peran Tenaga Ahli Keuangan dalam Penguatan Studi Kelayakan Pendirian Rumah Sakit Umum Daerah di Kabupaten Semarang melalui Analisis Kelayakan Finansial Suroto; Emiliana Sri Pujiarti; Agung Wibowo; Caecilia Sri Haryanti; Janti Soegiastuti; Andalan Tri Ratnawati
Perigel: Jurnal Penyuluhan Masyarakat Indonesia Vol. 5 No. 2 (2026): Juni: Jurnal Penyuluhan Masyarakat Indonesia
Publisher : Universitas 17 Agustus 1945 Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/perigel.v5i2.3725

Abstract

A feasibility study is a critical stage in the planning of hospital establishment to ensure investment viability, particularly from a financial perspective. This community service program aims to provide reinforcement in the preparation of a feasibility study for the establishment of a Regional Public Hospital (RSUD) in Barukan Village, Tengaran District, Semarang Regency, through financial feasibility analysis conducted by financial experts. The implementation method was carried out through partner needs identification, delivery of financial analysis materials, interactive discussions, and assistance in developing financial models encompassing cash flow projections, discounted payback period (DPP), net present value (NPV), internal rate of return (IRR), and sensitivity analysis, all of which yielded feasible and acceptable results. The outcomes of the activity demonstrated an improvement in partners' understanding of financial feasibility analysis as well as their ability to interpret investment assessment criteria. In addition, the activity yielded an early-stage draft encompassing the financial feasibility aspects, which is intended to guide stakeholders in making informed decisions related to the founding of the Semarang Regency Regional Public Hospital. This activity contributes to strengthening the planning of healthcare facility investment in an effective and sustainable manner.
IMPLEMENTASI PROGRAM BANK SAMPAH DAN PENGELOLAAN LINGKUNGAN BERKELANJUTAN DI KELURAHAN SUKOREJO, KECAMATAN GUNUNGPATI KOTA SEMARANG Suroto Suroto; Agung Wibowo; Caecilia Sri Haryanti; Janti Soegiastuti; Andalan Tri Ratnawati
MAJU : Indonesian Journal of Community Empowerment Vol. 3 No. 1 (2026): MAJU : Indonesian Journal of Community Empowerment, January 2026
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/maju.v3i1.1963

Abstract

The challenges of waste management in urban areas continue to evolve in line with increasing population and economic activities of residents. The Sukorejo Sub-district area in Gunungpati District, Semarang City, experiences similar problems with continuously increasing waste quantities. This community service program aims to implement a waste bank system as an alternative for sustainable environmental management. The implementation involves socialization activities, waste separation training, establishment of waste bank management groups, and operational assistance (Suwerda, 2019). The outcomes demonstrate the formation of one waste bank unit with 45 active customers, an increase in residents' awareness regarding waste separation from 35% to 78%, and a reduction in the quantity of waste disposed to the landfill by 2.3 tons per month. This program generates positive impacts including improved area cleanliness, additional income for residents, and contributions to the circular economy (Purba et al., 2019). Recommendations are provided to develop similar programs in other sub-districts and to enhance collaboration with the private sector for program sustainability.
Pengaruh Financial Knowledge dan Financial Technology Terhadap Perilaku Keuangan (Studi Pada Siswa-Siswi SMA N 1 Gringsing Kabupaten Batang) Dyah Ayu Wulandari; Siti Aminah; Hikmah Hikmah; Janti Soegiastuti
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 12 No. 4 (2026): Agustus 2026
Publisher : Lembaga Komunitas Informasi Teknologi Aceh (KITA), Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v12i4.6699

Abstract

This study aims to examine and analyze the influence of financial knowledge and financial technology on the financial behavior of students at SMA N 1 Gringsing, Batang Regency. The background of this research is based on the increasing use of digital financial services among adolescents, which has not been fully accompanied by responsible and proper financial management behavior. In addition, there is still a gap between the level of financial literacy and the level of financial inclusion among young people, which potentially affects the quality of their financial management. This research employed a quantitative approach using a survey method by distributing questionnaires to 88 respondents. The sampling technique used was proportionate stratified random sampling. The collected data were then analyzed using multiple linear regression analysis. The results indicate that financial knowledge has a positive and significant effect on financial behavior. Furthermore, financial technology also has a positive and significant effect on financial behavior. These findings suggest that the higher the level of financial understanding and the more optimal the utilization of financial technology, the better the students’ financial behavior will be. This study implies that enhancing financial literacy education and promoting the wise use of digital technology should be implemented within the school environment.
The Impact of Accounting Information Systems, Internal Controls, and Digital Transformation on Financial Performance in Semarang's Furniture Industries Dian Tantri Arifia; RR. Supratiningrum; Janti Soegiastuti; Parju Parju
International Journal of Economics and Management Research Vol. 5 No. 2 (2026): August : International Journal of Economics and Management Research
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v5i2.791

Abstract

This research is motivated by the fluctuating financial performance in the furniture industry in Semarang City, amidst the pressures of digitalization and strengthening internal governance. Based on the Technology Acceptance Model (TAM), which posits that technology acceptance through perceptions of usefulness and ease of use can influence organizational performance, this study aims to examine the impact of Accounting Information Systems (AIS), Internal Control Systems (ICS), and Digital Transformation on financial performance in the furniture industry. Using a quantitative approach with multiple linear regression, the study sampled all 61 furniture companies in Semarang City. The results from the partial test (t-test) reveal that AIS has a positive but insignificant effect on financial performance (t=0.485; sig=0.629), ICS has a positive but insignificant effect (t=1.827; sig=0.073), while Digital Transformation has a positive and significant effect (t=4.516; sig=0.000). These findings suggest that digital transformation is the dominant factor in improving financial performance, while AIS and ICS have not yet had a significant impact. The study recommends improving digital literacy, strengthening AIS implementation, and integrating ICS for more sustainable financial performance.
Pengaruh Kualitas Sumber Daya Manusia, Sistem Pengendalian Internal Pemerintah dan Pemanfaatan Teknologi Informasi terhadap Penyerapan Anggaran di Kecamatan Gayamsari Kota Semarang Annisa Rizky Amalia; Rr. Suprantiningrum; C Sri Haryanti; Janti Soegiastuti
PENG: Jurnal Ekonomi dan Manajemen Vol. 3 No. 3 (2026): Juli-September, Ekonomi Digital dan Strategi Manajemen Modern
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/dj055b81

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kualitas sumber daya manusia, sistem pengendalian internal pemerintah, dan pemanfaatan teknologi informasi terhadap penyerapan anggaran di Kecamatan Gayamsari Kota Semarang. Penyerapan anggaran merupakan indikator penting keberhasilan program pemerintah daerah, namun rendahnya penyerapan masih menjadi persoalan yang terus terjadi di berbagai pemerintah daerah. Populasi penelitian ini terdiri atas seluruh 48 pengelola keuangan di Kecamatan Gayamsari beserta tujuh kelurahan di bawah wilayah administrasinya. Teknik pengambilan sampel menggunakan sampel jenuh (sensus), sehingga seluruh populasi dijadikan responden penelitian. Data primer dikumpulkan melalui kuesioner skala Likert, sedangkan data sekunder diperoleh dari studi kepustakaan dan laporan resmi terkait. Analisis data menggunakan regresi linier berganda dengan bantuan perangkat lunak SPSS versi 21. Sebelum pengujian hipotesis, dilakukan uji asumsi klasik yang meliputi uji normalitas, uji multikolinearitas, dan uji heteroskedastisitas. Hasil penelitian menunjukkan bahwa secara parsial kualitas sumber daya manusia, sistem pengendalian internal pemerintah, dan pemanfaatan teknologi informasi masing-masing berpengaruh positif dan signifikan terhadap penyerapan anggaran di Kecamatan Gayamsari Kota Semarang. Temuan ini mengindikasikan bahwa penguatan kompetensi aparatur pengelola keuangan, peningkatan mekanisme pengendalian internal, serta optimalisasi pemanfaatan teknologi informasi merupakan strategi penting dalam meningkatkan penyerapan anggaran di tingkat kecamatan.
Pengaruh Literasi Keuangan, Inklusi Keuangan Dan Efikasi Diri Keuangan Terhadap Perilaku Pengelolaan Keuangan Pada Working Mom Di Kecamatan Ungaran Timur Kabupaten Semarang Winda Widyastuti; Agung Wibowo; Andalan Tri Ratnawati; Janti Soegiastuti
PENG: Jurnal Ekonomi dan Manajemen Vol. 3 No. 3 (2026): Juli-September, Ekonomi Digital dan Strategi Manajemen Modern
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/c8k84051

Abstract

This study aims to analyze the effect of financial literacy, financial inclusion, and financial self-efficacy on the financial management behavior of working mothers (working moms) in Ungaran Timur Sub-district, Semarang Regency. The population comprised all women identified as working moms in the sub-district, whose exact number is unknown; a sample of 80 respondents was determined using the Roscoe formula and selected through accidental sampling. Data were analyzed using multiple linear regression with the aid of SPSS. The results show that financial literacy (β = 0.362; sig = 0.005), financial inclusion (β = 0.322; sig = 0.022), and financial self-efficacy (β = 0.725; sig = 0.000) each have a positive and significant partial effect on financial management behavior, with the three variables jointly explaining 55.7 percent of its variance (Adjusted R Square). Financial self-efficacy was found to be the most dominant factor. These findings underline the importance of strengthening financial confidence, expanding access to formal financial services, and improving financial knowledge to support healthier financial management behavior among working mothers.