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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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PENGARUH EFIKASI DIRI DAN KEBIASAAN BELAJAR TERHADAP PROKRASTINASI AKADEMIK PADA SISWA SMK NEGERI 31 JAKARTA Fitria Nur Aini; Marsofiyati Marsofiyati; Umi Widyastuti
Sindoro: Cendikia Pendidikan Vol. 12 No. 11 (2025): Sindoro Cendikia Pendidikan
Publisher : Cahaya Ilmu Bangsa Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.9644/sindoro.v12i11.11202

Abstract

Fitria Nur Aini, 1709620090, Pengaruh Efikasi Diri dan Kebiasaan Belajar terdap Prokrastinasi Akademik pada Siswa SMK Negeri 31 Jakarta, Jakarta; Fakultas Ekonomi dan Bisnis, Universitas Negeri Jakarta, 2025. Tujuan penelitian ini adalah untuk menguji pengaruh antara efikasi diri, kebiasaan belajar, dan prokrastinasi belajar pada siswa. Waktu penelitian dilaksanakan pada bulan Juli sampai bulan November 2023 di SMK Negeri 31 Jakarta. Metode penelitian yang digunakan dalam penelitian ini adalah pendekatan kuantitatif dan melakukan analisis data dengan menggunakan metode statis dan pemodelan sistematik. Populasi penelitian ini adalah seluruh siswa kelas XI semua jurusan di SMK Negeri 31 Jakarta. Jumlah sampel 200 dari populasi sebanyak 218. Analisis yang digunakan untuk mengolah data menggunakan angket atau kuesioner. Teknik pengambilan sampel menggunakan Probability Sampling, dengan teknik Proportionate Stratified Random Sampling. Dengan hasil hipotesis, H1 terdapat pengaruh signifikan efikasi diri terhadap kebiasaan belajar diterima H2 terdapat pengaruh signifikan kebiasaan belajar terhadap prokrastinasi akademik diterima H3 terdapat pengaruh signifikan efikasi diri terhadap prokrastinasi akademik diterima. Untuk peneliti selanjutnya, gunakan lah metode, instrumen, indikator yang berbeda supaya dapat menentukan perbandingan dalam penelitian. Fitria Nur Aini, 1709620090, The Influence of Self-Efficacy and Study Habits on Academic Procrastination in Students of State Vocational School 31 Jakarta, Jakarta; Faculty of Economics and Business, Jakarta State University, 2025. The purpose of this research is to examine the influence of self-efficacy, study habits, and learning procrastination in students. The research was carried out from July to November 2023 at SMK Negeri 31 Jakarta. The research method used in this research is a quantitative approach and carries out data analysis using static methods and systematic modeling. The population of this study were all class XI students in all majors at SMK Negeri 31 Jakarta. The number of samples is 200 from a population of 218. The analysis used to process the data uses questionnaires. The sampling technique uses Probability Sampling, with the Proportionate Stratified Random Sampling technique. With the hypothesis results, H1 there is a significant influence of self-efficacy on accepted study habits. H2 there is a significant influence of accepted study habits on academic procrastination. H3 there is a significant influence of self-efficacy on accepted academic procrastination. For future researchers, use different methods, instruments, indicators so that they can determine comparisons in research.
Pengaruh E-Service Quality dan Perceived Value Terhadap Customer Satisfaction Pengguna Aplikasi Flip : (Studi pada Mahasiswa Aktif S-1 dan D-4 Fakultas Ekonomi dan Bisnis Universitas Negeri Jakarta) Amelia Salsa Sabila; Eka Faradila Yasmin; Salma Rahmadani; Saski Aulia; Umi Widyastuti; Destria Kurnianti
CiDEA Journal Vol. 3 No. 2 (2024): CiDEA Journal
Publisher : Universitas 17 Agustus 1945 Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/cideajournal.v3i2.2300

Abstract

This research aims to analyze the effect of E-Service Quality and Perceived Value on Customer Satisfaction in using the Flip application. This study uses quantitative methods by collecting data through a Likert scale questionnaires distributed to active S-1 and D-4 students of the Faculty of Economics and Business State University of Jakarta who are Flip application users. The sampling method applied is purposive sampling, with a final sample of 86 respondents. The data collected was then analyzed using multiple linear regression with the help of SPSS software. The results showed that the two independent variables, namely E-Service Quality and Perceived Value, had a significant positive effect on Customer Satisfaction, both partially and simultaneously. E-Service Quality has a more dominant influence than Perceived Value with a regression coefficient of 0,379. This finding indicates that efficient, reliable, and high-value digital services contribute significantly to increasing Flip user satisfaction.
Kepuasan Keuangan pada Generasi Sandwich dan Implikasinya terhadap Perilaku Mengelola Keuangan Nurul Khasanah; Umi Widyastuti; Muhammad Fawaiq
Jurnal Bisnis, Manajemen, dan Keuangan Vol. 4 No. 1 (2023): Jurnal Bisnis, Manajemen, dan Keuangan
Publisher : Fakultas Ekonomi dan Bisnis Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/jbmk.0401.19

Abstract

ABSTRACT Financial satisfaction is determined by circumstances and understanding of personal financial needs. This research analysis is needed to investigate the determinants of financial satisfaction in the sandwich generation and their implications for financial management behavior. This research is quantitative and causal. Data collection was carried out through a research survey conducted in Greater Jakarta using an online questionnaire which was distributed via social media and involved one hundred and twenty five generations of sandwiches. The research findings show that financial literacy has a positive and significant effect on financial management behavior and financial satisfaction. The hypothesis is rejected where financial attitudes do not affect financial management behavior and financial satisfaction. Financial management behavior has a positive and significant effect on financial satisfaction in the sandwich generation. Keyword: financial management behavior, financial satisfaction, sandwich generation ABSTRAK Kepuasan keuangan ditentukan oleh keadaan dan pemahaman akan kebutuhan finansial pribadinya. Maka, analisis penelitian ini diperlukan untuk menyelidiki faktor-faktor penentu kepuasan keuangan pada generasi sandwich dan implikasinya terhadap perilaku mengelola keuangan. Penelitian ini bersifat kuantitatif dan kausal. Pengumpulan data dilakukan melalui survei penelitian yang dilakukan di Jabodetabek dengan menggunakan kuesioner online yang disebarkan melalui media sosial dan melibatkan seratus dua puluh lima generasi sandwich. Temuan penelitian menunjukkan bahwa literasi keuangan berpengaruh positif dan signifikan terhadap perilaku pengelolaan keuangan dan kepuasan keuangan. Hipotesis ditolak dimana sikap keuangan tidak mempengaruhi perilaku mengelola keuangan dan kepuasan keuangan. Perilaku mengelola keuangan berpengaruh positif dan signifikan terhadap kepuasan keuangan pada generasi sandwich. Kata kunci: perilaku mengelola keuangan, kepuasan keuangan, generasi sandwich
The Effect of Macroeconomic Variables and International Stock Indices on Sharia Market Index in Indonesia and Malaysia Agustiani, Mita; Umi Widyastuti; I Gusti Ketut Agung
Green Economics: International Journal of Islamic and Economic Education Vol. 2 No. 3 (2025): Green Economics: International Journal of Islamic and Economic Education
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70062/greeneconomics.v2i3.298

Abstract

The objective of this study is to examine whether the macroeconomic variables Exchange Rate, Money Supply (M2), and the international stock indices Dow Jones Islamic Market (DJIM) and Dow Jones Industrial Average (DJIA) have an influence on the movement of Sharia stocks in Indonesia and Malaysia (Jakarta Islamic Index and FTSE Bursa Malaysia Hijrah Shariah Index). The analytical method used in this research is multiple regression analysis. The data utilized are monthly data spanning the period from January 2015 to December 2024. The results of the study indicate that the Jakarta Islamic Index (JII) is significantly influenced by the Exchange Rate and the Dow Jones Industrial Average (DJIA). Specifically, both the Exchange Rate and DJIA show effects that are consistent with the hypothesis expectations. The Exchange Rate has a negative and significant effect on the Jakarta Islamic Index (JII), while the DJIA has a positive and significant effect. Meanwhile, the Money Supply (M2) and the Dow Jones Islamic Market (DJIM) are not found to have a significant effect on the Jakarta Islamic Index (JII). The FTSE Bursa Malaysia Hijrah Shariah Index (FHSI), on the other hand, is significantly influenced by the Dow Jones Islamic Market (DJIM). Specifically, DJIM has a positive and significant effect on FHSI. Conversely, the Exchange Rate, Money Supply (M2), and Dow Jones Industrial Average (DJIA) are not found to have a significant effect on the FTSE Bursa Malaysia Hijrah Shariah Index (FHSI).
Pengaruh Financial Attitude dan Financial Risk Tolerance Terhadap Investment Intention: Peran Financial Literacy Sebagai Mediasi Aqila Putri Rahmanita; Umi Widyastuti; Rizka Zakiah
PENG: Jurnal Ekonomi dan Manajemen Vol. 3 No. 1 (2026): Januari: Inprogress
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/tw8x9z56

Abstract

Penelitian ini membahas mengenai niat investasi dengan tujuan memberikan ilmu dan wawasan baru mengenai niat investasi saham yang dipengaruhi oleh sikap keuangan dan toleransi risiko keuangan dengan peran literasi keuangan sebagai variabel mediasi dengan fokus studi pada kalangan Gen Z di wilayah Jabodetabek. Penelitian ini menggunakan pendekatan kuantitatif dengan desain penelitian yakni deskriptif kausalitas dan menggunakan data primer yang diperoleh melalui survei berbasis kuesioner secara online dengan googleform, responden merupakan subjek penelitian yang diambil sampel dengan metode purposive sampling berjumlah 240 orang. Model penelitian yang digunakan adalah SEM-PLS sehingga analisis data dilakukan dengan SmartPLS 4.0. Hasil penelitian yang diperoleh adalah (1) sikap keuangan berpengaruh secara langsung terhadap niat investasi; (2) toleransi risiko keuangan berpengaruh secara langsung terhadap niat investasi; (3) literasi keuangan berpengaruh secara langsung terhadap niat invetasi; (4) sikap keuangan berpengaruh secara langsung terhadap literasi keuangan; (5)  toleransi risiko keuangan berpengaruh secara langsung terhadap literasi keuangan; (6) sikap keuangan berpengaruh secara tidak langsung terhadap niat investasi melalui literasi keuangan; (7) toleransi risiko keuangan berpengaruh secara tidak langsung terhadap niat investasi melalui literasi keuangan.  
Financial Literacy dan Usage of E-Payment: Peran Spending Behavior Terhadap Financial Well-Being pada Young Adults Jihan Salsabila Khairunnisa; Umi Widyastuti; Diena Noviarini
PENG: Jurnal Ekonomi dan Manajemen Vol. 3 No. 1 (2026): Januari: Inprogress
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/701xet88

Abstract

Penelitian ini bertujuan untuk mengkaji pengaruh financial literacy dan usage of e-payment terhadap financial well-being, dengan spending behavior sebagai variabel mediasi pada kelompok young adults di wilayah Jabodetabek. Financial literacy dalam studi ini mencakup aspek pengetahuan, sikap, dan perilaku finansial, sementara usage of e-payment dianalisis dari frekuensi, jenis transaksi, kemudahan, dan manfaat yang dirasakan. Spending behavior dibedakan menjadi perilaku pengeluaran yang bertanggung jawab dan tidak bertanggung jawab, yang berperan dalam menjembatani hubungan antara literasi keuangan dan kesejahteraan finansial. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei melalui kuesioner online, dan dianalisis menggunakan teknik Structural Equation Modeling (SEM). Hasil penelitian menunjukkan bahwa financial literacy dan usage of e-payment berpengaruh positif dan signifikan terhadap financial well-being, baik secara langsung maupun melalui spending behavior sebagai mediator.
Pengaruh Gaya Hidup, Sikap Keuangan, dan Literasi Keuangan Terhadap Kepuasan Keuangan Generasi Z di Jabodetabek Alda Aurelia Artagita; Umi Widyastuti; Meta Bara Berutu
PENG: Jurnal Ekonomi dan Manajemen Vol. 3 No. 1 (2026): Januari: Inprogress
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/xhvjqt05

Abstract

This study aims to analyze the influence of lifestyle, financial attitude, and financial literacy on financial satisfaction among Generation Z in Jabodetabek. Generation Z, as digital natives, is highly exposed to financial technology and consumer trends that can affect their financial well-being. This research adopts a quantitative descriptive approach using a survey method and Google Form questionnaire to collect data from 170 respondents. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 4.0. The findings reveal that lifestyle, financial attitude, and financial literacy have a positive and significant influence on financial satisfaction. The results suggest that a balanced lifestyle, a positive attitude toward finance, and adequate financial literacy contribute to a higher level of financial satisfaction among Generation Z in urban areas.
ESG and Financial Distress in Indonesian Non-Financial Firms: The Moderating Role of Cost of Debt Muhammad Onto Kusumo; Gatot Nazir Ahmad; Umi Widyastuti
International Journal of Economics and Management Sciences Vol. 2 No. 3 (2025): Agustus : International Journal of Economics and Management Sciences
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/ijems.v2i3.907

Abstract

This study examines how Environmental, Social, and Governance (ESG) performance influences financial distress, incorporating cost of debt as a moderating variable. Financial distress is proxied by the Interest Coverage Ratio (ICR), reflecting a firm’s capacity to satisfy interest payments. The empirical sample consists of 655 firm-year observations of non-financial companies listed on the Indonesia Stock Exchange from 2014 to 2023. Panel regression with fixed effects and heteroskedasticity-consistent estimation (Panel EGLS with cross-section weights) is employed to analyze the data. Results indicate that ESG performance exerts a positive and statistically significant effect on ICR (β = 0.1189; p < 0.01), implying that firms with robust ESG practices are better able to service their debt and thus face lower financial distress. Additionally, the interaction term between ESG and cost of debt yields a negative and significant coefficient (β = −0.9714; p < 0.05), suggesting that elevated financing costs attenuate the beneficial impact of ESG on financial resilience. These findings are consistent with stakeholder theory, which advocates that proactive engagement with stakeholders enhances corporate stability, and trade-off theory, which underscores the necessity of balancing debt advantages against financial risk. This research contributes to the literature by demonstrating the conditional effect of cost of debt on the ESG–financial distress nexus. From a managerial perspective, the study underscores the importance of integrating ESG initiatives with cost-efficient funding strategies to mitigate financial distress risk and foster sustainable, long-term value creation.
The Effect Of Good Corporate Governance, Profitability, and Company Size on Company Value : (Empirical Study on the Infrastructure Sector Listed on the Indonesia Stock Exchange from 2021 - 2023) Inayah, Niswah; Achmad Fauzi; Umi Widyastuti
Research Trend in Technology and Management Vol. 3 No. 3 (2025): Research Trend in Technology and Management (in progress)
Publisher : RTTM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/rttm.v3i3.98

Abstract

The capital market plays a strategic role in accommodating public investment needs through various financial instruments while providing access to funding for companies to foster economic growth. A decline in stock value, which negatively affects the Composite Stock Price Index (IHSG), highlights the importance of examining internal factors influencing firm value. One such factor is Good Corporate Governance (GCG), which promotes sound management and increases investor confidence. Additionally, a company’s profitability reflects managerial efficiency in utilizing resources and generating sustainable profits. Firm size also serves as a key aspect, indicating the scale of operations and market competitiveness, which may contribute to increasing firm value. This research examines companies in the infrastructure sector listed on the Indonesia Stock Exchange (IDX) over the 2021–2023 period, drawing on a purposively selected sample of 28 firms and a total of 84 observations. To evaluate the impact of internal determinants on firm value, multiple linear regression analysis using a Random Effect Model (REM) was conducted via Eviews 12. Good Corporate Governance (GCG) was operationalized by employing proxies such as the proportion of managerial shareholding, institutional ownership, and the presence of independent commissioners. Profitability was represented through Return on Assets (ROA), whereas firm size was expressed using the logarithmic scale of total assets. To measure the dependent variable, firm value, the Tobin’s Q metric was applied, enabling a data-driven exploration of these internal influences. Based on the analysis results, it was found that managerial ownership and institutional ownership exert a positive and significant influence on firm value. In contrast, the independent board of commissioners and firm size demonstrate a negative and significant effect. Meanwhile, the profitability variable does not show a significant relationship with firm value. These findings contribute to enriching the empirical literature on internal factors affecting firm value and offer practical implications for both management and investors in formulating strategic decisions, particularly within the infrastructure sector.
Determinant Intention to Adopt AI-Powered Robo Advisors Zidane Ramadhan; Umi Widyastuti; Meta Bara Berutu
PENG: Jurnal Ekonomi dan Manajemen Vol. 3 No. 1 (2026): Januari: Inprogress
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/vwdp4002

Abstract

Fintech in Indonesia are increasingly becoming popular, but penetration in the society is still minimal especially in investment context. This paper examines the possible drivers toward intention to adopt of AI-powered robo advisor through a modified VAM model with attitude toward using and age as moderating factors. Survey data were collected from Generation Z and millennial investors and analyzed using SEM-PLS. Our analysis shows that potential financial benefits gained from AI-powered robo advisors drives positive attitude and intention to adopt, while risk associated with AI-powered robo advisor demotivate users to adopt it. External social influences also positively impact the adoption process, demonstrating the importance of social validation in Indonesia's communal culture. Attitude toward using shows a significant performance in explaining intention to adopt AI-powered robo advisor. Moderation analysis shows that age strengthens the influence of perceived financial benefits on intention to adopt (stronger in millennials),and weakens the influence of social influence (stronger in Gen Z). These results provide theoretical and practical contributions in designing age-based marketing strategies and improving financial literacy. Future research is recommended to reach a wider demographic and conduct longitudinal studies as this technology develops
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