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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) JRMSI - Jurnal Riset Manajemen Sains Indonesia Pendas : Jurnah Ilmiah Pendidikan Dasar IKRA-ITH ABDIMAS Performance Jurnal Industri Kreatif dan Kewirausahaan Indonesian Collaboration Journal of Community Services (ICJCS) Jurnal Pengabdian Masyarakat Bestari (JPMB) Journal of Social And Economics Research Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen Jurnal Riset Manajemen dan Ekonomi Enrichment: Journal of Multidisciplinary Research and Development Jurnal Bisnis, Manajemen, dan Keuangan Cendikia: Jurnal Pendidikan dan Pengajaran Pusat Publikasi Ilmu Manajemen Cendikia Pendidikan Cidea Journal Jurnal Akuntansi, Perpajakan dan Auditing PENG: Jurnal Ekonomi dan Manajemen Escalate : Economics and Business Journal International Journal of Economics and Management Sciences Jurnal Ekonomi, Manajemen, Akuntansi Jejak digital: Jurnal Ilmiah Multidisiplin Indonesia Economic Journal Journal of Digital Business and Global Economy IJEMA Journal of Business Application
Umi Widyastuti
Universitas Negeri Jakarta
Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media 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
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-maret, Ekonomi Digital dan Transformasi Bisnis
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-maret, Ekonomi Digital dan Transformasi Bisnis
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-maret, Ekonomi Digital dan Transformasi Bisnis
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.
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-maret, Ekonomi Digital dan Transformasi Bisnis
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
Pengaruh Literasi Keuangan dan Gaya Hidup terhadap Perilaku Konsumtif Pengguna Shopee Pay Later: Peran Moderasi Kontrol Diri pada Generasi Z Avivi Hilwana. A; Umi Widyastuti; Diena Noviarini
PENG: Jurnal Ekonomi dan Manajemen Vol. 3 No. 1 (2026): Januari-maret, Ekonomi Digital dan Transformasi Bisnis
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/k5em1b31

Abstract

The advancement of technology-based financial services has significantly shaped consumer behavior, particularly among Generation Z. One such innovation gaining widespread use is the PayLater feature, which allows users to make purchases and defer payments to a later time. This study investigates the influence of financial literacy and lifestyle on the consumptive behavior of Shopee PayLater users, while also examining the moderating role of self-control. A quantitative research approach was employed by distributing online questionnaires to Generation Z individuals living in the Greater Jakarta area (Jabodetabek), targeting a sample size of 224 respondents. The data were analyzed using Structural Equation Modeling with a Partial Least Squares (SEM-PLS) approach. The results revealed that lifestyle has a positive and significant impact on consumptive behavior (t = 3.768; p = 0.000). Conversely, both financial literacy and self-control were found to have a negative and significant effect on consumptive behavior (t = 3.383 and 3.746; p = 0.001 and 0.000). Furthermore, self-control was shown to moderate the relationship by weakening the influence of both financial literacy and lifestyle on consumptive tendencies (t = 2.602 and 2.447; p = 0.009 and 0.014). All proposed hypotheses were supported by the findings, highlighting the critical role of enhancing financial literacy and strengthening self-control as key strategies to curb excessive spending behaviors among Generation Z. These insights are expected to serve as valuable input for PayLater service providers in developing more responsible and educational features tailored to the behavioral patterns of younger consumers.
Model Kausalitas Intention to Continue Using E-Wallet Dana: Perceived Ease of Use, Perceived Security, dan User Satisfaction Argy Wahyu Prabowo; Umi Widyastuti; Diena Noviarini
PENG: Jurnal Ekonomi dan Manajemen Vol. 3 No. 1 (2026): Januari-maret, Ekonomi Digital dan Transformasi Bisnis
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/yac4dw27

Abstract

This study aims to analyze the influence of perceived ease of use, Perceived Security, and User Satisfaction on the Intention to Continue Using the DANA e-wallet. The research is motivated by the growing use of e-wallets in Indonesia, particularly DANA, which calls for a deeper understanding of the factors influencing user loyalty and continued usage. This study employs a quantitative approach using a survey method and an instrument in the form of a questionnaire distributed online to active DANA users in the DKI Jakarta area. The data were analyzed using Structural Equation Modeling (SEM) with the help of SmartPLS software. The results show that Perceived Ease of Use and Perceived Security have a positive and significant effect on user satisfaction. Furthermore, User Satisfaction is proven to have a positive and significant effect on the Intention to Continue Using the DANA e-wallet. These findings highlight the importance of ease of use and a sense of security in enhancing User Satisfaction and encouraging continued use of e-wallet services.
Co-Authors - Maisaroh Agung Dharmawan Buchdadi Agus Wibowo Ahmad Fauzi Aji Kresno Murti Alda Aurelia Artagita Aldrian Aldrin Herwany Amelia Salsa Sabila Andi Iskandar Dinata Angella Priyatna Annisa Nurur Rahman Aqila Putri Rahmanita Argy Wahyu Prabowo Ati Sumiyati Atika Siti Hajar Avivi Hilwana. A Bella Anggraeni Saputri Bunga Cinta Widya By Luthfi Hamdi Caroline Pertiwi Cindyana Gunawan Corry Yohana Darma Rika Swaramarinda Destria Kurnianti Dewi Agustin Pratama Sari Dhea Frisca Diah Safitri, Niken Dicky Iranto Dicky Iranto Diena Noviarini Diena Noviarini Diena Novirini Dwi Kismayanti Respati Dwita Darmawati Eka Faradila Yasmin Erika Takidah Euro Ellytra Fera Nelfianti Ferdian Hadika Prastya Fismayatni Cholifah Fitria Nur Aini Gabriella Indah Brigitta Gantrivita Nur Ramida Gatot Nazir Ahmad Gemah Putri Djaelani Haneul Hanif Naufal Rafii Hasanah, Hani Hera Khairunnisa I Ketut R. Sudiarditha Jihan Salsabila Khairunnisa M. Edo Suryawan Siregar Marsofiyati Marsofiyati Maulana Rifky Yudhira Meta Bara Berutu Meta Bara Berutu Mohd Yussni Hashim Monica Nining Lestari Muchammad Ichsan Kamil Muhamad Ilham Muhammad Fawaiq Muhammad Fawaiq Muhammad Onto Kusumo Muhammad Rahmansyah MUHAMMAD YUSUF Muhammad Yusuf Mustofa Haqmaliah Nabila Ramadhanti Nabila Resia Isnaini Nadiyah Hibrizi Nasywa Fatihah Adam Harahap Niswah Maghfira Nurhayati Indiyastuti Nurshinta Nurshinta Nurul Azizeh Nurul Faizah Nurul Khasanah Osly Usman Pandu Agung Prayogi Pandu Irawan Abdullah Pangestika Chandra Dewi Petrolis Nusa Perdana, Petrolis Nusa Purwana E.S., Dedi Putri Aldya Rosada Rachdanti, Zanisca Shalma Rini Nurmala Sari Rizaldi Rizaldi Rully Arifiansyah Salma Rahmadani Sarwin Sarwin Saski Aulia Scorita, Kurnia Budhy Shandy Aditya Shandy Aditya Siti Helmyati Siti Nurjanah SRI LESTARI Sri Zulaihati Suparno Suparno Susanti, Santi Syifa Andarliana Putri Terrylina A. Monoarfa Terrylina Arvinta Monoarfa Terrylina Arvinta Monoarfa Teuku Fajar Shadiq Titis Fatarina Mahfirah Usep Suhud Usman Mustofa Vera Intanie Dewi Vidia Ratu Balqis Malzara Vira Deyana Cindy Widya Parimita, Widya Windy Feriyawati Yeye Suhaety Zakiah, Rizka Zidane Ramadhan