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All Journal Jurnal Ekonomi dan Pendidikan Jurnal Ekonomi Jurnal Ilmiah Econosains Jurnal Pendidikan Ekonomi & Bisnis JURNAL DINAMIKA MANAJEMEN DAN BISNIS Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal ASET (Akuntansi Riset) Journal of Economic, Bussines and Accounting (COSTING) Performance Indonesian Collaboration Journal of Community Services (ICJCS) Jurnal Pengabdian Masyarakat Bestari (JPMB) Journal of Social And Economics Research Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen Research Trend in Technology and Management Jurnal Riset Manajemen dan Ekonomi Jurnal Bisnis, Manajemen, dan Keuangan Cendikia: Jurnal Pendidikan dan Pengajaran Pusat Publikasi Ilmu Manajemen Cendikia Pendidikan Cidea Journal PENG: Jurnal Ekonomi dan Manajemen International Journal of Economics and Management Sciences journal of social and economic research Green Economics: International Journal of Islamic and Economic Education
Umi Widyastuti
Universitas Negeri Jakarta
Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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PENINGKATAN LITERASI KEUANGAN DAN PEMASARAN DIGITAL BAGI UMKM DI JAKARTA TIMUR Umi Widyastuti; Osly Usman; Terrylina A. Monoarfa; Shandy Aditya; Diena Noviarini; Meta Bara Berutu
Indonesian Collaboration Journal of Community Services Vol. 2 No. 4 (2022): Indonesian Collaboration Journal of Community Services
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/icjcs.v2i4.88

Abstract

MSMEs are one of the pillars that support the national economy, therefore the government pays great attention to the sustainability of MSMEs. MSME actors in the East Jakarta Sub-Department of MSMEs, Cooperatives and Trade are facing problems regarding the limitations of financial literacy and digital marketing in managing their businesses. One way that can be done to support the success of MSMEs is to provide training on financial records with SIAPIK which is based on a single record. In addition, they were also given directions on digital marketing in an effort to increase sales turnover for MSMEs in the region
RANCANG BANGUN PLATFORM DIGITAL BERBASIS WEBSITE SEBAGAI MEDIA PROMOSI PENYELENGGARAAN WIRAUSAHA Osly Usman; Umi Widyastuti; Terrylina Arvinta Monoarfa; Shandy Aditya; Diena Novirini; Meta Bara Berutu
Indonesian Collaboration Journal of Community Services Vol. 2 No. 4 (2022): Indonesian Collaboration Journal of Community Services
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/icjcs.v2i4.91

Abstract

In today's technical advancements, the internet has become more widespread and is in demand by the general public; in this fast-paced period, it is necessary to always follow those wants, despite this separated area. Today, you may use internet media to promote a variety of products, services, and information. Using the internet to obtain information is very simple and convenient anywhere there is a network. A website-based platform for the smoothness and progress of MSMEs in Cisaat village is provided by UNJ Digital Business Students in response to the inspiration of several MSMEs from Cisaat village, Serang, Banten, who are eager to learn and improve the capability of business actors in the area. They also provide wider information related to e-commerce for activities. SMEs (MSMEs). There is a communication platform on the bumdescisaat.com website that aims to arrange a forum for business actors so that they may share experiences and buy and sell things on the same website. As a result, a website was created that could serve as a digital platform for meeting the needs of conducting business. This website's goal is to provide a forum for local businesspeople in Cisaat Serang, Banten, who desire to engage in entrepreneurial endeavors. This website's goal is to serve as a forum and market place for conversations between businesspeople or between businesspeople and consumers. This website is anticipated to serve as a marketing tool for entrepreneurs looking to conduct business on a quick and convenient digital platform
Determinant of Financial Management Behavior and Impact on Financial Satisfaction in Generation Z Nurul Azizeh; Umi Widyastuti; Muhammad Yusuf
JURNAL DINAMIKA MANAJEMEN DAN BISNIS Vol 5 No 2 (2022): Jurnal Dinamika Manajemen dan Bisnis
Publisher : LPPM Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/JDMB.05.2.4

Abstract

The purpose of this study is to determine the factors that influence the behavior of financial management. This study was conducted in the Jakarta area with a sample of Generation Z with age range between 17-27 years as many of 325 respondents. Sampling technique using convenience sampling, while research analysis technique with SEM (Structural Equation Model) using AMOS software. The results showed that financial knowledge has a significant influence on financial attitude, financial attitude significantly has an influence on financial management behavior, financial attitude has no influence on financial satisfaction, financial knowledge significantly has an influence on financial management behavior, financial knowledge has no influence on financial satisfaction, and financial management behavior significantly has an influence on financial satisfaction.
PELATIHAN MENELUSURI SUMBER REFERENSI DAN MENGGUNAKAN APLIKASI REFERENCE MANAGER UNTUK MENINGKATKAN KESIAPAN PENULISAN TUGAS AKHIR MAHASISWA Terrylina Arvinta Monoarfa; Osly Usman; Umi Widyastuti; Shandy Aditya; Diena Noviarini; Meta Bara Berutu
Indonesian Collaboration Journal of Community Services Vol. 3 No. 2 (2023): Indonesian Collaboration Journal of Community Services
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/icjcs.v3i2.113

Abstract

Research activities are generally carried out by students as part of the completion of the final project (thesis) which is one of the graduation requirements for obtaining a bachelor's degree. There are several reference sources that can be used as references in conducting research, including textbooks, previous research journal articles, data and information published by official institutions, as well as results of observations or preliminary research. With a complete reference source, it is expected that students can easily conduct research and write their final project. This community service activity seeks to provide training and practical instructions in accessing national and international journal articles, as well as the process of writing final assignments and publishing scientific articles. This community service activity aims to accelerate students' ability to complete their final project, as an implementation of a cooperation agreement that has been agreed upon by the Faculty of Economics, Jakarta State University with several universities in Indonesia. The time for implementing this community service activity is October 15th  2022. The training was be carried out via media zoom, bearing in mind that currently, Indonesia is still in a pandemic period so there are limitations to conducting face-to-face learning. For this reason, various tips will be explained through this training on how to access various research reference sources that can be carried out by optimizing the use of digital applications. It is hoped that through this training, FE UNJ can actively collaborate with other tertiary institutions in Indonesia in improving capabilities and accelerating the completion of student final assignments in Indonesia
Factors Affecting The Intention to Invest in Cripto Assets Among Indonesian Youth Vera Intanie Dewi; Aldrin Herwany; Maria Widyarini; Umi Widyastuti
Jurnal ASET (Akuntansi Riset) Vol 15, No 1 (2023): JURNAL ASET (AKUNTANSI RISET) JANUARI-JUNI 2023
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/jaset.v15i1.56897

Abstract

Main Purpose - This study aims to determine the role of financial risk tolerance in mediating the impact of digital financial literacy, investment experience, and e-payment behavior on intention to invest. Method - This research is a type of explanatory research with a survey method and as many as 215 respondents filled out a questionnaire with valid answers which were then used for analysis. Hypothesis testing uses a structural equation model (SEM) and is processed using Smart PLS-SEM.Main Findings - This research proves that there is a positive and significant role of financial risk tolerance in mediating the impact of digital financial literacy, investment experience, and e-payment behavior on intention to invest. In addition, this study shows that most members of the younger generation have a level of risk tolerance or risk profile that falls into the moderate category or loss-adverse category in the aspects of risk speculation, investment risk, and financial risk evaluation. Theory and Practical Implications - This study provides policy directions for related parties to increase digital finance adoption and financial literacy in the context of financial inclusion. This research reinforces that digital financial literacy is important, especially in terms of digital financial knowledge for young people. Novelty - This study uses the risk tolerance profile variable as a variable that mediates the relationship between digital financial literacy and investment intentions using consumer behavior theory.
Pengaruh Kontrol Diri, Sosialisasi Orang Tua, dan Literasi Keuangan terhadap Perilaku Menabung Siswa SMK Gabriella Indah Brigitta; Umi Widyastuti; Muhammad Fawaiq
Jurnal Bisnis, Manajemen, dan Keuangan Vol 3 No 2 (2022): Jurnal Bisnis, Manajemen, dan Keuangan
Publisher : Fakultas Ekonomi Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/jbmk.0302.18

Abstract

This study aims to analyze the effect of self-control, parental socialization, and financial literacy through financial attitudes on the saving behavior of SMK students. This study uses a quantitative approach with data collection methods in the form of a survey method conducted through the distribution of questionnaires. The sampling technique used was convenience sampling. This study used a sample of 263 respondents consisting of vocational students in Jabodetabek. The data analysis techniques used in this study were validity tests, reliability tests, model feasibility tests, and hypothesis testing using SPSS software version 25 and AMOS version 23. The results of hypothesis testing in this study showed that self-control, parental socialization, financial literacy, and financial attitudes have a positive and significant effect on saving behavior in vocational students. Financial attitudes can partially mediate the relationship between financial literacy and saving behavior. The results of this study can contribute to schools and parents in directing or instilling students in saving behaviour that is useful for the future of students and supports the Indonesian economy. Penelitian ini bertujuan untuk menganalisis pengaruh kontrol diri, sosialisasi orang tua, dan literasi keuangan melalui sikap keuangan terhadap perilaku menabung siswa SMK. Penelitian ini menggunakan pendekatan kuantitatif dengan metode pengumpulan data berupa metode survei yang dilakukan melalui penyebaran kuesioner. Teknik pengambilan sampel menggunakan convenience sampling. Penelitian ini menggunakan sampel sebanyak 263 responden yang terdiri dari siswa SMK di Jabodetabek. Teknik analisis data yang digunakan dalam penelitian ini berupa uji validitas, uji reliabilitas, uji kelayakan model dan uji hipotesis dengan menggunakan software SPSS versi 25 dan AMOS versi 23. Hasil pengujian hipotesis pada penelitian ini menunjukkan bahwa kontrol diri, sosialisasi orang tua, literasi keuangan, dan sikap keuangan berpengaruh positif dan signifikan terhadap perilaku menabung pada siswa SMK. Sikap keuangan bisa menjadi mediasi parsial hubungan literasi keuangan terhadap perilaku menabung. Hasil penelitian ini dapat memberikan kontribusi bagi pihak sekolah dan orang tua dalam mengarahkan ataupun menanamkan siswanya untuk melakukan perilaku menabung yang berguna bagi masa depan siswa dan mendukung perekonomian Indonesia.
Analisis Faktor-faktor yang Mempengaruhi Niat Investasi Agen Reksa Dana Online pada Investor Potensial Pandu Irawan Abdullah; Umi Widyastuti; Muhammad Fawaiq
Jurnal Bisnis, Manajemen, dan Keuangan Vol 3 No 3 (2022): Jurnal Bisnis, Manajemen, dan Keuangan
Publisher : Fakultas Ekonomi Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/jbmk.0303.06

Abstract

Penelitian ini bertujuan untuk mengidentifikasi faktor-faktor yang mempengaruhi niat investasi investor potensial untuk berinvestasi melalui agen reksa dana online. Variabel yang diukur adalah niat investasi, pengetahuan investasi, risiko yang dirasakan, dan kontrol perilaku yang dirasakan. Metode penelitian ini adalah penelitian kuantitatif dengan populasi masyarakat Indonesia dan teknik sampel menggunakan non-probability sampling dengan teknik pengambilan purposive sampling. Kriteria sampel adalah investor potensial yang belum berinvestasi di agen reksa dana online dan memiliki gelar D3. Penelitian dilakukan dengan menyebarkan kuesioner secara daring dengan sampel 161 responden. Teknik analisis data menggunakan software Smart PLS dan pengujian dalam penelitian ini meliputi uji validitas, uji reliabilitas, uji hipotesis, dan uji model. Hasil penelitian ini membuktikan bahwa pengetahuan investasi dan kontrol perilaku yang dirasakan memiliki pengaruh yang signifikan terhadap niat investasi. Sedangkan risiko yang dirasakan tidak berpengaruh secara signifikan terhadap niat investasi. Serta adanya pengaruh yang signifikan antara pengetahuan investasi dan kontrol perilaku yang dirasakan.
Pengaruh Literasi Keuangan, Norma Subjektif, Dan Sikap Terhadap Niat Menabung Mahasiswa Pendidikan Di Jabodetabek Pangestika Chandra Dewi; Umi Widyastuti; Muhammad Yusuf
Jurnal Bisnis, Manajemen, dan Keuangan Vol 3 No 3 (2022): Jurnal Bisnis, Manajemen, dan Keuangan
Publisher : Fakultas Ekonomi Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/jbmk.0303.07

Abstract

Saving is often done by someone to prepare funds or money needs in the future according to the wishes, hopes and needs of the person. This study aims to examine the effect of financial literacy, subjective norms, and attitudes on the saving intention of education students in Jabodetabek. This research uses quantitative research. The number of samples used in this study were 209 respondents, and the sampling was done through an online questionnaire, namely Google Form. Data were processed using SPSS and Amos, SPSS for explanatory factor analysis and AMOS for confirmatory factor analysis. Financial literacy does not affect students' intention to save, the test results show that the model used for this study is rejected. Financial literacy does not affect the attitude to save, the test results show that the model used for this study is rejected. Subjective norms affect the attitude to save, the test results show that the model used for this study is accepted. Subjective norms do not affect students' intention to save, the test results show that the model used for this study is rejected. Attitudes to save affect the intention to save students, the test results show that the model used for this study is accepted.. Keyword: Financial Literacy, Subjective Norms, Attitudes To Save, Intention To Save, Education Students in Jabodetabek. Menabung seringkali dilakukan seseorang untuk mempersiapkan dana atau uang kebutuhan di waktu yang akan datang sesuai keinginan, harapan dan kebutuhan orang tersebut. Penelitian ini bertujuan untuk menguji pengaruh literasi keuangan, norma subjektif, dan sikap terhadap niat menabung mahasiswa pendidikan di Jabodetabek. Penelitian ini menggunakan jenis penelitian kuantitatif. Jumlah sampel yang digunakan dalam penelitian ini sebanyak 209 responden, dan pengambilan sampel dilakukan melalui kuesioner online yaitu Google Form. Data diolah menggunakan SPSS dan Amos, SPSS untuk explanatory factor analysis dan AMOS untuk comfirmatory factor analysis. Literasi keuangan tidak mempengaruhi niat untuk menabung mahasiswa, hasil pengujian menunjukkan bahwa model yang digunakan untuk penelitian ini ditolak. Literasi keuangan tidak mempengaruhi sikap untuk menabung, hasil pengujian menunjukkan bahwa model yang digunakan untuk penelitian ini ditolak. Norma subjektif mempengaruhi sikap untuk menabung, hasil pengujian menunjukkan bahwa model yang digunakan untuk penelitian ini diterima. Norma subjektif tidak mempengaruhi niat untuk menabung mahasiswa, hasil pengujian menunjukkan bahwa model yang digunakan untuk penelitian ini ditolak. Sikap untuk menabung mempengaruhi niat untuk menabung mahasiswa, hasil pengujian menunjukkan bahwa model yang digunakan untuk penelitian ini diterima. Kata kunci: Literasi Keuangan, Norma Subjektif, Sikap Untuk Menabung, Niat Untuk Menabung, Mahasiswa Pendidikan di Jabodetabek.
Training and Tutorial on the Use of Buku Kas Application for Business Financial Management Titis Fatarina Mahfirah; Umi Widyastuti; Dewi Agustin Pratama Sari; Siti Nurjanah; I Ketut R. Sudiarditha; Rini Nurmala Sari; Haneul
Jurnal Pengabdian Masyarakat Bestari 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/jpmb.v2i9.5513

Abstract

MSMEs' crucial role in Indonesia's economy is garnering more attention. However, the rising number of MSMEs without a corresponding improvement in human resource quality poses concerns. The lack of financial literacy hampers their growth. To foster business development, MSMEs require coaching and training in financial management. A joint effort between the Faculty of Economics at Universitas Negeri Jakarta and Cibitung Tengah Village in Bogor resulted in a financial management training and an accounting application tutorial for MSMEs. The program encompassed preparation, implementation, evaluation, reporting, and publication. Following the training, MSME owners in Cibitung Tengah understood the significance of financial management and learned to utilize accounting applications for streamlined financial recording.
Analysis of Gen Z's Green Investment Intention: The Application of Theory of Planned Behavior Vidia Ratu Balqis Malzara; Umi Widyastuti; Agung Dharmawan Buchdadi
JURNAL DINAMIKA MANAJEMEN DAN BISNIS Vol 6 No 2 (2023): Jurnal Dinamika Manajemen dan Bisnis
Publisher : LPPM Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/JDMB.06.2.5

Abstract

Green investment intentions have emerged in response to the challenges of climate change and the urgent need to adopt sustainable economic practices. The purpose of this study was to determine the factors that influence green investment intentions in Generation Z in Jakarta, with an age range between 17-26 years. This study used a purposive sampling technique with survey data collection methods. Data was collected using Google Forms with a total of 384 respondents. Data were analyzed using Structural Equation Model (SEM) through AMOS 24.0 software. The results showed that attitudes toward green investment had a significant effect on green investment intentions and perceived behavioral control had a significant effect on green investment intentions. In contrast, subjective norms had no significant effect on green investment intentions.
Co-Authors - Maisaroh ACHMAD FAUZI Agung Dharmawan Buchdadi Agus Wibowo Agustiani, Mita Ahmad Fauzi Alda Aurelia Artagita Aldrian Aldrin Herwany Amelia Salsa Sabila Angella Priyatna Annisa Nurur Rahman Aqila Putri Rahmanita Argy Wahyu Prabowo Ati Sumiyati Atika Siti Hajar Avivi Hilwana. A Bunga Cinta Widya By Luthfi Hamdi Caroline Pertiwi Corry Yohana Darma Rika Swaramarinda Destria Kurnianti Dewi Agustin Pratama Sari Dicky Iranto Dicky Iranto Diena Noviarini Diena Noviarini Diena Novirini Dwita Darmawati Eka Faradila Yasmin Erika Takidah Ferdian Hadika Prastya Fitria Nur Aini Gabriella Indah Brigitta Gantrivita Nur Ramida Gatot Nazir Ahmad Gemah Putri Djaelani Haneul Hanif Naufal Rafii I Gusti Ketut Agung I Ketut R. Sudiarditha Inayah, Niswah Jihan Salsabila Khairunnisa M. Edo Suryawan Siregar Marsofiyati Marsofiyati Meta Bara Berutu Meta Bara Berutu Monica Nining Lestari Muhammad Fawaiq Muhammad Fawaiq Muhammad Onto Kusumo Muhammad Rahmansyah MUHAMMAD YUSUF Muhammad Yusuf Nabila Ramadhanti Nabila Resia Isnaini Niswah Maghfira Nurhayati Indiyastuti Nurul Azizeh Nurul Faizah Nurul Khasanah Osly Usman Pandu Irawan Abdullah Pangestika Chandra Dewi Petrolis Nusa Perdana, Petrolis Nusa Purwana E.S., Dedi Putri Aldya Rosada Rachdanti, Zanisca Shalma Rini Nurmala Sari Salma Rahmadani Sarwin Sarwin Saski Aulia Scorita, Kurnia Budhy Shandy Aditya Shandy Aditya Siti Helmyati Siti Nurjanah SRI LESTARI Sri Zulaihati Susanti, Santi Syifa Andarliana Putri Terrylina A. Monoarfa Terrylina Arvinta Monoarfa Terrylina Arvinta Monoarfa Titis Fatarina Mahfirah Usep Suhud Usman Mustofa Vera Intanie Dewi Vidia Ratu Balqis Malzara Widya Parimita, Widya Zakiah, Rizka Zidane Ramadhan