Article Per Year (5 Year)
p-Index From 2021 - 2026
7.504
P-Index
This Author published in this journals
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

Published : 61 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 61 Documents
Search

 3   4   5   6   7 
Analisis Pengaruh Ease of Use dan Perceived Security terhadap User Satisfaction melalui User Trust pada Aplikasi Mobile Banking BCA Hanif Naufal Rafii; Umi Widyastuti; Terrylina Arvinta Monoarfa
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: 10.62710/49gpjd52

Abstract

This study aims to explain the influence of ease of use and perceived security on user satisfaction, with user trust as a mediating variable, in the use of the BCA Mobile banking application. The research employed a quantitative approach using an associative method. Data were collected through questionnaires distributed to respondents who are active users of BCA Mobile and reside in the Jakarta area. The sampling technique used was non-probability sampling with a purposive sampling approach. A total of 112 respondents were analyzed. Data processing was conducted using SmartPLS version 4.0. The analytical techniques included outer model testing, inner model testing, path analysis, t-test, and mediation analysis using the bootstrapping method. The results of the study indicate that: (1) Ease of Use has a positive and significant effect on User Trust; (2) Perceived Security has a positive and significant effect on User Trust; (3) Ease of Use has a positive and significant effect on User Satisfaction; (4) Perceived Security has a positive and significant effect on User Satisfaction; and (5) User Trust has a positive and significant effect on User Satisfaction.
Faktor-Faktor yang Memengaruhi Continuance Intention Melalui E-Satisfaction Sebagai Variabel Intervening pada Aplikasi Tanda Tangan Digital (Studi Kasus PrivyID) Nurul Faizah; 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: 10.62710/210aw634

Abstract

This study aims to evaluate the effect of perceived ease of use, perceived value, and perceived security on continuance intention in the use of the PrivyID digital signature application, with e-satisfaction as an intervening variable. This study is motivated by the increasing adoption of digital signature technology in Indonesia, particularly PrivyID, which still faces challenges related to sustained usage. The research uses a quantitative approach with a survey method involving 125 PrivyID users. Data analysis was performed using SmartPLS 4 through the Structural Equation Modeling (SEM) approach based on Partial Least Square (PLS). The results show that the three independent variables (perceived ease of use, perceived value, and perceived security) significantly affect e-satisfaction, which then mediates their effect on continuance intention. These findings emphasize that the level of user electronic satisfaction is a key factor in promoting the continued use of digital signature applications. This research contributes theoretically to the development of user behavior models in the context of financial technology, as well as providing practical implications for service providers like PrivyID to enhance user loyalty through optimizing user experience and service security.  
Analisis Kausalitas Intention to Use Seabank: Perceived Usefulness, Perceived Risk, dan Trust Aldrian; Umi Widyastuti; Terrylina Arvinta Monoarfa
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/d1gx9c80

Abstract

This study aims to provide an explanation of the influence of perceived usefulness, perceived risk, and trust on intention to use the Seabank digital banking application, with trust serving as a mediating variable. The research adopts an associative method with a quantitative approach. Data were collected through the distribution of questionnaires to individuals residing in the Greater Jakarta area (Jabodetabek), aged 17 and above, who are interested in using the Seabank application. The sampling technique used is Non-Probability Sampling with a Purposive Sampling approach. A total of 110 respondents were analyzed. Data processing was conducted using SmartPLS version 4.1.0.9. The analytical techniques employed include outer model testing, inner model testing, path analysis, t-tests, and mediation analysis using the bootstrapping method. The results of the study indicate that: (1) Perceived Usefulness has a significant positive direct effect on Intention to Use; (2) Perceived Risk has a significant negative direct effect on Intention to Use; (3) Trust has a significant positive direct effect on Intention to Use; (4) Perceived Usefulness has a significant positive direct effect on Trust; (5) Perceived Risk has a significant negative direct effect on Trust; (6) There is a significant indirect positive effect of Perceived Usefulness on Intention to Use through Trust; and (7) There is a significant indirect negative effect of Perceived Risk on Intention to Use through Trust
Pengaruh Financial Literacy dan Hedonic Shopping Motivation Terhadap Impulsive Buying Melalui Spending Self Control Sebagai Mediasi pada Pengguna Shopee Paylater Syifa Andarliana Putri; Umi Widyastuti; Terrylina Arvinta Monoarfa
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: 10.62710/6gye4d36

Abstract

This study aims to analyze the effect of financial literacy and hedonic shopping motivation on impulsive buying through spending self-control as a mediator among Shopee Paylater users in DKI Jakarta. Financial literacy and hedonic shopping motivation in this study are also examined for their influence on impulsive consumption behavior that can affect purchasing decisions in e-commerce applications. This research uses a descriptive quantitative method with a survey approach via Google Form for respondent data collection. The data analysis technique used is Structural Equation Modeling (SEM) based on PLS-SEM. The results of this study reveal that financial literacy has a positive effect on spending self-control, which in turn reduces impulsive buying behavior. Additionally, hedonic shopping motivation is found to significantly influence the increase in impulsive buying, although spending self-control acts as a mediator that strengthens this impact.
PENGARUH DUKUNGAN SOSIAL DAN MOTIVASI BELAJAR TERHADAP HASIL BELAJAR KEUANGAN KELAS 11 SMKN 18 JAKARTA Rachdanti, Zanisca Shalma; Dedi Purwana; Umi Widyastuti
Cendikia: Jurnal Pendidikan dan Pengajaran Vol. 1 No. 5 (2023): Cendikia: Jurnal Pendidikan dan Pengajaran
Publisher : Cendikia: Jurnal Pendidikan dan Pengajaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.572349/cendikia.v1i5.645

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh antara dukungan sosial dan motivasi belajar terhadap hasil belajar siswa kelas XI SMKN 18 Jakarta. Metode yang digunakan yakni menggunakan metode survei dengan pendekatan kuantitatif melalui analisis statistic pada regresi linier berganda dengan bantuan alat yakni program IBM SPSS versi 24.0. Teknik pengambilan sampel dalam penelitian ini menggunakan Accidental Sampling. Accidental Sampling adalah teknik penentuan sampel berdasarkan kebetulan. Populasi yang 258 soswa dengan jumlah sampel sebanyak 74 siswa. Pengumpulan data menggunakan hasil survey melalui pengisian kuisioner dan menggunakan skala likert. Selanjutnya Teknik analisis data dalam penelitian ini terdiri dari uji instrument (validitas dan reabilitas); uji persyaratan analisis (uji normalitas dan uji linearitas); uji asumsi klasik (uji multikolinearitas dan uji heterokedastisitas); dan uji hipotesis (Uji F, Uji T, dan uji koefisien determinasi). Berdasarkan hasil penelitian ini menunjukkan bahwa dukungan sosial dan motivasi belajar berpengaruh terhadap hasil belajar siswa.
Kualitas Sistem dan Kualitas Informasi dalam Meningkatkan Kepuasan Pengguna melalui Variabel Kepercayaan: Studi pada Aplikasi Coretax Nadiyah Hibrizi; Umi Widyastuti; Diena Noviarini
Indonesian Journal of Economics Management and Accounting Vol. 2 No. 7 (2025): IJEMA - Juli 2025
Publisher : PT. INOVASI TEKNOLOGI KOMPUTER

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Transformasi digital dalam sistem administrasi perpajakan menghadirkan tantangan baru terhadap kualitas sistem dan kualitas informasi yang berdampak pada kepercayaan dan kepuasan pengguna. Penelitian ini bertujuan untuk menganalisis pengaruh Kualitas Sistem dan Kualitas Informasi terhadap Kepuasan Pengguna melalui Kepercayaan, dengan studi kasus pada aplikasi Coretax yang dikembangkan oleh Direktorat Jenderal Pajak. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei daring dan teknik analisis Structural Equation Modeling Partial Least Square (SEM-PLS) yang melibatkan 170 responden. Hasil penelitian menunjukkan bahwa Kualitas Sistem berpengaruh signifikan terhadap Kepercayaan dengan koefisien sebesar 0,630, nilai t sebesar 2,728, dan nilai p sebesar 0,006. Kualitas Informasi juga memiliki pengaruh signifikan terhadap Kepercayaan, dengan koefisien 0,487, nilai t sebesar 2,335, dan nilai p sebesar 0,020. Selanjutnya, Kepercayaan terbukti berpengaruh signifikan terhadap Kepuasan Pengguna dengan koefisien sebesar 0,690, nilai t sebesar 4,051, dan nilai p sebesar 0,000. Temuan ini menunjukkan bahwa kualitas sistem, kualitas informasi, dan kepercayaan memainkan peran penting dalam meningkatkan kepuasan pengguna terhadap sistem perpajakan digital. Penelitian ini memberikan kontribusi teoritis terhadap pengembangan model evaluasi sistem informasi serta rekomendasi praktis bagi pengembangan sistem Coretax agar lebih responsif, andal, dan berorientasi pada pengguna.
Pengaruh Perceived Security, Perceived Ease Of Use, Dan Perceived Usefulness Terhadap Consumer Trust Dan Adopsi Teknologi Pada Layanan Mobile Banking Berbasis AI Nasywa Fatihah Adam Harahap; Umi Widyastuti; Meta Bara Berutu
Indonesian Journal of Economics Management and Accounting Vol. 2 No. 7 (2025): IJEMA - Juli 2025
Publisher : PT. INOVASI TEKNOLOGI KOMPUTER

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh perceived security, perceived ease of use, dan perceived usefulness terhadap consumer trust dan adopsi teknologi pada layanan mobile banking berbasis kecerdasan buatan (AI). Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei. Responden yang dilibatkan merupakan pengguna aktif mobile banking berbasis AI di wilayah Jabodetabek yang berusia antara 25 hingga 44 tahun. Jumlah sampel yang dianalisis sebanyak 210 responden, ditentukan menggunakan teknik purposive sampling. Pengujian data dilakukan dengan menggunakan Partial Least Square - Structural Equation Modeling (PLS-SEM) melalui software SmartPLS 4. Hasil penelitian menunjukkan bahwa perceived security, perceived ease of use, dan perceived usefulness berpengaruh positif terhadap consumer trust dan adopsi teknologi. Selain itu, consumer trust terbukti memediasi hubungan antara ketiga variabel independen tersebut terhadap adopsi teknologi AI. Temuan ini diharapkan dapat menjadi referensi bagi pengembang layanan mobile banking dalam meningkatkan kepercayaan dan adopsi pengguna terhadap teknologi AI yang digunakan
Pengaruh Financial Literacy, Financial Attitude dan Locus Of Control Terhadap Financial Management Behaviour ASN Sektor Pertanian di Kab. Simalungun Provinsi Sumatera Utara Pandu Agung Prayogi; Umi Widyastuti; Titis Fatarina Mahfirah
Indonesian Journal of Economics Management and Accounting Vol. 3 No. 1 (2026): IJEMA - Januari 2026
Publisher : PT. INOVASI TEKNOLOGI KOMPUTER

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan “menganalisis pengaruh financial literacy dan financial attitude terhadap financial management behaviour dengan locus of control sebagai variabel mediasi pada Aparatur Sipil Negara (ASN) sektor pertanian di Kabupaten Simalungun. Penelitian menggunakan pendekatan kuantitatif melalui metode survei. Unit analisis adalah ASN yang bekerja di sektor pertanian, dengan jumlah sampel 217 responden yang dipilih menggunakan teknik purposive sampling. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan Structural Equation Modeling (SEM) berbasis Partial Least Squares (PLS). Hasil penelitian menunjukkan bahwa financial literacy dan financial attitude berpengaruh positif dan signifikan terhadap financial management behaviour. Kedua variabel tersebut juga terbukti berpengaruh positif dan signifikan terhadap locus of control. Selanjutnya, locus of control berpengaruh positif dan signifikan terhadap perilaku pengelolaan keuangan. Pengujian mediasi menunjukkan bahwa locus of control mampu memediasi pengaruh financial literacy dan financial attitude terhadap financial management behaviour. Temuan ini menegaskan pentingnya peningkatan literasi keuangan, sikap keuangan yang bertanggung jawab, serta pengendalian diri dalam mendukung perilaku pengelolaan keuangan ASN yang lebih baik
Financial Literacy, Financial Risk Tolerance, and Investment Among Postgraduate Students: The Mediating Role of Financial Self-Efficacy Bella Anggraeni Saputri; Umi Widyastuti; Suparno
Journal of Digital Business and Global Economy Vol. 2 No. 3 (2026): Journal of Digital Business and Global Economy
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JODIGBI.02.3.11

Abstract

This research was conducted to determine whether financial literacy and risk tolerance influence postgraduate students' investment decisions and to evaluate whether financial self- efficacy can be a bridge between these relationships. The study used a quantitative approach, involving 253 postgraduate students at Jakarta State University who had previously invested or were interested in investing. Information was gathered through surveys and checked with the SEM-PLS method. The results showed how students with better financial understanding tended to be more confident in handling their finances and made better investment decisions. Financial self-efficacy was also shown to play a role in driving investment decisions and acting as a bridge for financial literacy and investment decisions. Meanwhile, risk acceptance didn't give a big impact upon either financial self-eficacy nor investment decisions. In conclusion, the results of this research show that when making investment decisions, financial understanding and trust in their own skills are more influential than mere readiness to face risks. This study indicates that people who are confident in managing their finances are more likely to apply what they know about finance when making investment decisions.
Penyusunan Prosedur Operasional Standar (Pos) Penerimaan Dan Pengeluaran Pada Taman Kanak-Kanak Curug Indah Jakarta Timur Andi Iskandar Dinata; Hera Khairunnisa; Umi Widyastuti
Indonesia Economic Journal Vol. 2 No. 1 (2026): JANUARI-JUNI
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/57zych75

Abstract

Penelitian ini bertujuan untuk menyusun Prosedur Operasional Standar (POS) penerimaan dan pengeluaran kas pada Taman Kanak-Kanak Curug Indah Jakarta Timur serta merancang sistem pencatatan yang sesuai dengan kondisi dan kebutuhan TK Curug Indah. Penelitian ini menjadikan TK Curug Indah sebagai objek penelitian. Penelitian ini menggunakan metode deskriptif dengan pendekatan kualitatif serta model pengembangan ADDIE yang dibatasi pada tahap analisis, desain, dan pengembangan. Pengumpulan data dilakukan melalui observasi, wawancara, serta dokumentasi. Analisis data dilakukan melalui tahapan reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa proses penerimaan dan pengeluaran kas di TK Curug Indah belum memiliki alur kerja dan pembagian tugas yang tertulis serta belum menggunakan sistem pembukuan yang terstruktur. Berdasarkan temuan tersebut penelitian ini menghasilkan rancangan POS penerimaan dan pengeluaran kas yang dilengkapi dengan flowchart proses serta usulan sistem pencatatan single entry. Penyusunan POS ini diharapkan dapat menjadi pedoman kerja bagi TK Curug Indah dalam melaksanakan pengelolaan kas secara lebih tertib, konsisten, dan terarah.
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