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All Journal Jurnal Promosi Pendidikan Ekonomi Pro Bisnis Economic and Education Journal (Ecoducation) Economic and Education Journal (Ecoducation) Jejak digital: Jurnal Ilmiah Multidisiplin Indonesia Berdampak: Jurnal Pengabdian Kepada Masyarakat
Fidyah Jayatri
STKIP PGRI Lumajang
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Social Sciences Other

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STRATEGI KOPERASI SYARIAH SIDOGIRI CABANG PEMBANTU YOSOWILANGUN DALAM MEMBERDAYAKAN MASYARAKAT EKONOMI LEMAH DI DESA YOSOWILANGUN LOR KECAMATAN YOSOWILANGUN KABUPATEN LUMAJANG Fidyah Jayatri; Dwi Yanuarindah Putri
Economics and Education Journal (Ecoducation) Vol 2 No 1 (2020): ECODUCATION (Economic & Education Journal)
Publisher : Program Studi Pendidikan Ekonomi, IKIP Budi Utomo Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33503/ecoducation.v2i1.737

Abstract

Koperasi syariah merupakan koperasi yang dikelola menggunakan prinsip-prinip syariah. Temuan observasi penelitian koperasi syariah Sidogiri Capem Yosowilangun mengutamakan kenyamanan berinteraksi dengan anggota terutama dalam kegiatan pembiayaan yang mengalami kesulitan. Bentuk pengembangan usaha anggota, Koperasi Sidogir Capem Yosowilangun menggunakan sistembagi hasil yang sesuai dengan ajaran syariat Islam serta tidak menggunakan imbalan bunga seperti bank atau koperasi konvensional pada umumnya. Jenis penelitian ini merupakan penelitian kualitatif dengan pendekatan fenomenologi. Informan penelitian ini yaitu pengelola koperasi sidogiri dan masyarakat Desa Yosowilangun Lor Kecamatan Yosowilangun Kabupaten Lumajang yang menjadi anggota koperasi. Pengumpulan data menggunakan teknik observasi, wawancara mendalam, dan dokumentasi. Teknis analisis data yang di gunakan yaitu dengan reduksi data, display data, verifikasi data penelitian. Keabsahan data menggunakan kredibility, transfersibility, dependibility, dan konfirmability. Hasil penelitian menunjukkan bahwa (1) Pemahaman masyarakat terhadap koperasi syariah sudah baik dimana masyarakat mampu menjelaskan bahwa bentuk pengelolaan koperasi syariah dan (2) strategi koperasi syariah dalam memberdayakan masyarakat ekonomi lemah ditunjukkan dengan melakukan upaya jemput bola terhadap anggota/nasabah yang perekonomiannya lemah untuk berbisnis atau berwirausaha. Saran (1) Bagi Prodi Pendidikan Ekonomi STKIP PGRI Lumajang diharapkan mampu memberikan referensi yang berkaitan dengan strategi koperasi syariah dalam memberdayakan masyarakat ekonomi lemah. (2) Bagi pengelola koperasi dihararapkan dapat meningkatkan pelayanan kepada masyarakat sehingga kedepan mampu memperkenalkan ekonomi syariah kepada masyarakatt lebih luas. Terakhir (3) Bagi anggota koperasi diharapkan mampu memilih produk koperasi sesuai kebutuhannya dalam upaya meningkatkan perekonomian mereka yang diharapkan dapat ikut andil dalam mengangkat dan memperkenalkan ekonomi syariah kepada masyarakat lebih luas.
STRATEGI KOPERASI SYARIAH SIDOGIRI CABANG PEMBANTU YOSOWILANGUN DALAM MEMBERDAYAKAN MASYARAKAT EKONOMI LEMAH DI DESA YOSOWILANGUN LOR KECAMATAN YOSOWILANGUN KABUPATEN LUMAJANG Fidyah Jayatri; Dwi Yanuarindah Putri
Economic and Education Journal (Ecoducation) Vol 2 No 1 (2020): Economic and Education Journal (Ecoducation)
Publisher : Program Studi Pendidikan Ekonomi, Universitas Insan Budi Utomo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33503/ecoducation.v2i1.737

Abstract

Koperasi syariah merupakan koperasi yang dikelola menggunakan prinsip-prinip syariah. Temuan observasi penelitian koperasi syariah Sidogiri Capem Yosowilangun mengutamakan kenyamanan berinteraksi dengan anggota terutama dalam kegiatan pembiayaan yang mengalami kesulitan. Bentuk pengembangan usaha anggota, Koperasi Sidogir Capem Yosowilangun menggunakan sistembagi hasil yang sesuai dengan ajaran syariat Islam serta tidak menggunakan imbalan bunga seperti bank atau koperasi konvensional pada umumnya. Jenis penelitian ini merupakan penelitian kualitatif dengan pendekatan fenomenologi. Informan penelitian ini yaitu pengelola koperasi sidogiri dan masyarakat Desa Yosowilangun Lor Kecamatan Yosowilangun Kabupaten Lumajang yang menjadi anggota koperasi. Pengumpulan data menggunakan teknik observasi, wawancara mendalam, dan dokumentasi. Teknis analisis data yang di gunakan yaitu dengan reduksi data, display data, verifikasi data penelitian. Keabsahan data menggunakan kredibility, transfersibility, dependibility, dan konfirmability. Hasil penelitian menunjukkan bahwa (1) Pemahaman masyarakat terhadap koperasi syariah sudah baik dimana masyarakat mampu menjelaskan bahwa bentuk pengelolaan koperasi syariah dan (2) strategi koperasi syariah dalam memberdayakan masyarakat ekonomi lemah ditunjukkan dengan melakukan upaya jemput bola terhadap anggota/nasabah yang perekonomiannya lemah untuk berbisnis atau berwirausaha. Saran (1) Bagi Prodi Pendidikan Ekonomi STKIP PGRI Lumajang diharapkan mampu memberikan referensi yang berkaitan dengan strategi koperasi syariah dalam memberdayakan masyarakat ekonomi lemah. (2) Bagi pengelola koperasi dihararapkan dapat meningkatkan pelayanan kepada masyarakat sehingga kedepan mampu memperkenalkan ekonomi syariah kepada masyarakatt lebih luas. Terakhir (3) Bagi anggota koperasi diharapkan mampu memilih produk koperasi sesuai kebutuhannya dalam upaya meningkatkan perekonomian mereka yang diharapkan dapat ikut andil dalam mengangkat dan memperkenalkan ekonomi syariah kepada masyarakat lebih luas.
Pemberdayaan Masyarakat Melalui Pelatihan Digital Marketing Sebagai Upaya Mendukung Potensi UMKM Desa Bedayu, Kecamatan Senduro, Kabupaten Lumajang Fidyah Jayatri; Dwi Yanuarindah Putri; Fahmi Abdul Halim; Roni Wiranata; Siti Aisyah
Indonesia Berdampak: Jurnal Pengabdian kepada Masyarakat Vol. 1 No. 2 (2025): JULI-DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/7p0qa975

Abstract

Observational findings indicate that most tourism MSMEs in Bedayu Village, Senduro, are not yet skilled in optimal digital marketing. Lack of knowledge about content creation, business account management, and online marketing strategies means that the vast promotional opportunities through the digital world are not fully utilized. Therefore, special mentoring is needed that focuses on mastering digital skills, such as simple website creation, social media optimization, and data-driven online marketing strategies through a community service program (PKM) in collaboration with KKN students in Bedayu Village. The purpose of this program is to increase competitiveness, expand the reach of regional tourism promotions, and improve the welfare of the Bedayu Village community. The use of digital technology is also in line with the direction of creative economic development and sustainable tourism, which emphasizes innovation, independence, and community empowerment based on the potential of Bedayu Village MSMEs.
PENGARUH PENGUASAAN LITERASI DIGITAL SERTA MATA KULIAH KEWIRAUSAHAAN TERHADAP MINAT BERWIRAUSAHA MAHASISWA STKIP PGRI LUMAJANG Dwi Yanuarindah Putri; Fidyah Jayatri
Promosi: Jurnal Program Studi Pendidikan Ekonomi Vol 9 No 2 (2021): PROMOSI
Publisher : UNIVERSITAS MUHAMMADIYAH METRO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/pro.v9i2.4507

Abstract

Education today is not only about teaching and learning, the delivery of theories, and just questions and answers. From the elementary school level to college, educators and learners to students are expected to have an entrepreneurial character. This aims so that the mindset of students / students not only aspire to find jobs but are able to create their own jobs.  Likewise with the development of the era that requires educators and students to master digital technology. It is very left behind if learning activities only use board stationery and manual teaching books. Technology is growing rapidly every year. STKIP PGRI Lumajang is one of the higher education schools that implements entrepreneurship courses that have the goal that graduates can create jobs for themselves and others by utilizing digital technology. So this research aims to find out the level of mastery of digital literacy and the impact of attending entrepreneurship lectures on student entrepreneurship activities. The method in this study is quantitative research correlational approach. Data collection uses observations, questionnaires, and other supporting documents. The results showed that there is an influence between the mastery of digital literacy to the interests of entrepreneurship students, mk entrepreneurship obtained by students there is influence, and there is a simultaneous influence between the two variations on the interest variables of entrepreneurship students. This is because knowledge about the basis of entrepreneurship makes students more confident in starting a business and mastery of technology also makes it easier for students to market their business results.Keywords: Digital Literacy; Entrepreneurship Courses; Student Entrepreneurship Interests
Analisis Literasi dan Rasional Ekonomi Masyarakat Dalam Memanfaatkan Jasa Simpan Pinjam Lembaga Keuangan Informal Dwi Yanuarindah Putri; Fidyah Jayatri
Jejak digital: Jurnal Ilmiah Multidisiplin Vol. 2 No. 1 (2026): JANUARI
Publisher : INDO PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/z7w5zc79

Abstract

Economics is one of the challenges humans faces in everyday life, especially in meeting their needs. Humans must meet all their complex needs to survive. Economic behavior is a measure of societal behavior, especially family economics. To avoid economic problems within the family, people often choose to use credit services from loan shark. Due to various factors behind people's savings and loans, they agree to pay high interest rates as long as they can meet their needs. This study used a qualitative narrative approach. This study involved five informants, consisting of savings and loan service users and third parties. The research findings showed that the Kalidilem community borrowed money from loan shark without their partners' knowledge, and that the proceeds were mostly used for personal needs, not for starting businesses. The level of economic literacy and rationality of the Kalidilem community is relatively low because they still do not understand the concepts and indicators of economic literacy and rationality and are still unable to utilize legal financial services, which impacts the family economy.
Pengaruh Live Promote E-Commerce, Pemberian Diskon dan Implusive Buying Terhadap Pengelolaan Keuangan Mahasiswa Fidyah Jayatri; Dwi Yanuarindah Putri
Jejak digital: Jurnal Ilmiah Multidisiplin Vol. 2 No. 5 (2026): AGUSTUS-SEPTEMBER
Publisher : INDO PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/116kzp13

Abstract

E-commerce has transformed consumer purchasing behavior by providing convenient online shopping features, including live promote and discount offers that attract consumers, particularly university students. These features may encourage impulsive buying and affect students’ financial management despite their knowledge of financial principles. This study aims to examine the influence of live promote e-commerce, discount offerings, and impulsive buying on the financial management of students in the Economic Education Study Program at STKIP PGRI Lumajang. A quantitative approach was employed using multiple linear regression analysis. The population consisted of 519 students, with a sample of 130 respondents selected for the study. Data were collected through questionnaires and analyzed using classical assumption tests, multiple linear regression, the coefficient of determination, and hypothesis testing with SPSS version 22. The findings reveal that live promote e-commerce, discount offerings, and impulsive buying each have a positive and significant influence on students’ financial management. Furthermore, these three variables simultaneously have a positive and significant effect on financial management. The study concludes that e-commerce marketing features and consumer behavior are important factors associated with students’ financial management. Therefore, higher education institutions should strengthen financial literacy programs to encourage responsible financial decision-making and improve students’ financial management skills.
ANALISIS LITERASI DIGITAL DALAM MEMANFAATKAN DIGITAL PAYMENT PELAKU USAHA di DESA PENGGUNG KIDUL ROWOKANGKUNG LUMAJANG Diko Agustino; Fidyah Jayatri; Dwi Yanuarindah Putri
Probisnis Vol 19, No 2 (2026): Agustus 2026
Publisher : Universitas Amikom Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35671/probisnis.v19i2.3423

Abstract

The digital technology development has transformed transaction systems, particularly in business activities that require digital literacy to make optimal use of digital payment applications. However, observations in Penggung Kidul Village reveal that many business owners still face several challenges, such as limited understanding of how to use the applications, changes to the application systems, and a lack of understanding regarding digital transaction security. This study aims to describe the level of digital literacy among business owners in utilizing digital payments and to explain how they apply these tools in their business activities in Penggung Kidul Village, Rowokangkung, Lumajang. This study employs a qualitative approach with a narrative methodology. The informants for this study include business owners, business customers, and the local hamlet head. Data collected by through observation, in-depth interviews, and documentation. Data analysis involved reduction, display, and verification. Data validity was assessed through tests of credibility, transferability, dependability, and confirmability. This research has showed first business owners have a fairly good level of digital literacy, as evidenced by their ability to access devices and networks, operate applications, understand transaction information, utilize digital communication media, and implement digital security measures. Second, the use of digital payments has facilitated transactions, expedited service delivery, and improved business efficiency, although it is still hampered by an unstable internet connection. This study recommends that STKIP PGRI Lumajang continue to improve the quality of its educational services by strengthening adaptive learning to mitigate digital financial risks. Other researchers hopefully expand upon this study by incorporating additional variables that can foster digital literacy among business owners, such as family environment, access to information technology, and educational attainment.
Gambaran Perputaran Modal Usaha Pada Industri Rumah Tangga Tahu Di Desa Kunir Ismawati Ismawati; Fidyah Jayatri; Gati Ayu Likasari
Probisnis Vol 19, No 2 (2026): Agustus 2026
Publisher : Universitas Amikom Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35671/probisnis.v19i2.3413

Abstract

The most of tofu home industry operators in Kunir Kidul find it difficult to distinguish between business capital and household consumption. The purpose of this study is to examine how tofu home industry owners manage their business finances including capital, profits, and personal expenses. The research method employed a qualitative approach using a narrative framework. Data were collected through in-depth interviews, observation, and documentation. The data were analyzed through the stages of data reduction, data presentation, and drawing conclusions. Data validity was tested for credibility, transferability, dependability, and confirmability. The results of the study indicate that, the businesses run by the owners have not yet implemented simple bookkeeping or recorded cash inflows and outflows in their current operations. Second, a key driver of tofu marketing in Kunir Kidul Village is its distribution outside the region, which broadens the reach of buyers familiar with Kunir tofu; furthermore, the revenue generated from Kunir tofu sales can provide a stable income for home-based businesses. The findings of this study are recommended to the Economics Education Study Program as an educational institution to foster a stronger entrepreneurial spirit among students, particularly regarding working capital management, production cost efficiency, and business development strategies, so that graduates are not only oriented toward becoming educators but are also capable of becoming entrepreneurs. For future researchers, it is recommended to expand upon these findings by linking them to broader variables, such as entrepreneurial knowledge, business development strategies, and household business productivity. Keywords: business capital turnover, home industries 
HUBUNGAN PENDIDIKAN EKONOMI DAN PENGELOLAAN UANG SAKU DENGAN PERILAKU KONSUMSI SISWA MTS WAHID HASYIM KUNIR Denis Wiranti; Fidyah Jayatri; Dwi Yanuarindah Putri
Probisnis Vol 19, No 2 (2026): Agustus 2026
Publisher : Universitas Amikom Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35671/probisnis.v19i2.3422

Abstract

Students’ consumption behavior isone of the key aspects that reflects their ability to meet their needs rationally. However, findings from field observations indicate that there are still students at MTS Wahid Hasyim Sukosari, Lumajang, who exhibit consumptive behavior, lack the ability to manage their allowance, and have not yet optimally applied the economic values they have learned from their families. This study aims to analyze the relationship between family financial education and the management of allowance as well as consumption patterns behavior of students at MTs Wahid Hasyim Sukosari Kunir. This study used a descriptive quantitative approach with correlational analysis. The research involved a population of 162 students, from which 115 respondents were selected through a random sampling technique. The data were obtained through observations, questionnaires, and documentation. The data analysis was conducted using multiple correlation analysis after fulfilling the requirements of normality and linearity tests. The results indicate that, first, family economic education has a weak relationship with students’ consumption behavior. Second, pocket money management has a moderate relationship with students’ consumption behavior. Third, family economic education and allowance management simultaneously have a moderate relationship with students’ consumption behavior. These findings suggest that family economic education and allowance management are associated with students’ consumption behavior, with allowance management showing a stronger association than family economic education. The recommendation for future research is that researchers analyze other factors related to consumption behavior, such as digital literacy, peer influence, and economic literacy.
Co-Authors Denis Wiranti Diko Agustino Dwi Yanuarindah Putri Gati Ayu Likasari Halim, Fahmi Abdul Ismawati Ismawati Siti Aisyah Wiranata, Roni