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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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Digital Teaching Innovation: Pendampingan Pemanfaatan Artificial Intelligence Untuk Pengembangan Pembelajaran Interaktif Bagi Mahasiswa Calon Guru Aji Kresno Murti; Cindyana Gunawan; Rully Arifiansyah; Fera Nelfianti; Fismayatni Cholifah; Umi Widyastuti; Rizaldi Rizaldi
IKRA-ITH ABDIMAS Vol. 10 No. 2 (2026): IKRAITH-ABDIMAS Vol 10 No 2 Juli 2026
Publisher : Universitas Persada Indonesia YAI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37817/ikra-ithabdimas.v10i2.6877

Abstract

Perkembangan Artificial Intelligence (AI) menghadirkan peluang sekaligus tantangan bagi duniapendidikan, khususnya dalam menyiapkan calon guru yang mampu memanfaatkan teknologi secarakritis, etis, dan pedagogis. Kegiatan pengabdian kepada masyarakat ini bertujuan meningkatkanpengetahuan, literasi, dan keterampilan mahasiswa calon guru dalam menggunakan AI untukmengembangkan pembelajaran interaktif. Kegiatan dilaksanakan pada 22 Juni 2026 di AuditoriumAl-Jazari, Aras 3, Perpustakaan Tunku Tun Aminah, Universiti Tun Hussein Onn Malaysia, denganmelibatkan delapan mahasiswa Jurusan Bahasa Inggris, Johor Business School. Metode pelaksanaanmenggunakan pendekatan partisipatif dan berbasis praktik melalui penyampaian materi, diskusikasus, demonstrasi, pengembangan presentasi, serta pemberian umpan balik akademik danpedagogis. Materi kegiatan mencakup penggunaan AI secara beretika, pencegahan plagiarisme,penguatan kemampuan berpikir tingkat tinggi, strategi guru masa depan, dan penyusunan aturanpenggunaan AI di kelas. Hasil kegiatan menunjukkan bahwa peserta mampu membedakanpenggunaan AI yang diperbolehkan, memerlukan deklarasi, dan tidak diperbolehkan. Peserta jugamampu mengembangkan aktivitas pembelajaran yang mempertahankan proses bertanya,memahami, menganalisis, mencipta, dan menilai. Kegiatan ini menegaskan bahwa AI perludiposisikan sebagai alat bantu pembelajaran, bukan pengganti kompetensi akademik dan pedagogisguru
PENGUATAN ENTREPRENEURIAL MINDSET BAGI FUTURE EDUCATORS STRATEGI BERBASIS COMMUNITY EMPOWERMENT DI ERA SOCIETY 5.0 Hasanah, Hani; Windy Feriyawati; Yeye Suhaety; Usep Suhud; Umi Widyastuti; Mohd Yussni Hashim; Teuku Fajar Shadiq
Jurnal Industri Kreatif dan Kewirausahaan Vol 9 No 1 (2026): Jurnal Industri Kreatif dan Kewirausahaan JUNE 2026
Publisher : Universitas Sahid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36441/kewirausahaan.v9i1.3705

Abstract

Perkembangan era Society 5.0 menuntut calon guru memiliki kompetensi pedagogik yang didukung oleh entrepreneurial mindset dan kemampuan community empowerment agar mampu menjadi pendidik yang inovatif dan adaptif. Kegiatan Pengabdian kepada Masyarakat (PKM) ini bertujuan meningkatkan pemahaman mahasiswa keguruan mengenai entrepreneurial mindset sebagai strategi mempersiapkan future educators di era Society 5.0. Kegiatan dilaksanakan di Johor Business School, Universiti Tun Hussein Onn Malaysia (UTHM) dengan melibatkan delapan mahasiswa keguruan. Metode yang digunakan berupa pendekatan partisipatif melalui pre-test, penyampaian materi, demonstrasi, praktik, pendampingan, workshop perancangan program community empowerment, presentasi hasil, dan post-test. Hasil kegiatan menunjukkan peningkatan rata-rata nilai peserta dari 61,5 menjadi 87,3, atau meningkat sebesar 25,8 poin. Selain itu, peserta mampu mengidentifikasi peluang inovasi pendidikan, mengintegrasikan entrepreneurial mindset dalam pembelajaran, serta menyusun rancangan program community empowerment. Kegiatan ini efektif meningkatkan pengetahuan, keterampilan, dan kesiapan mahasiswa keguruan sebagai future educators yang mampu berkontribusi terhadap pemberdayaan masyarakat.
Analisis Pengaruh Kepemimpinan Digital, Budaya Digital, Teknologi Digital Terhadap Kinerja Organisasi dengan Literasi Digital sebagai Pemoderasi di Jabodetabek Nurshinta Nurshinta; Osly Usman; Umi Widyastuti
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 4: Mei 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i4.8441

Abstract

Di era transformasi digital, kemampuan organisasi untuk beradaptasi terhadap perubahan teknologi dan budaya digital menjadi kunci utama dalam mempertahankan daya saing dan meningkatkan kinerja. Penelitian ini mengkaji pengaruh digital leadership, digital culture, dan digital technology terhadap organizational performance, serta peran digital literacy sebagai variabel moderasi. Hasil data dari 275 responden yang dikumpulkan melalui purposive sampling dan dianalisis menggunakan Smart PLS, hasil menunjukkan bahwa digital leadership, digital culture, dan digital technology berpengaruh positif signifikan terhadap organizational performance. Digital literacy memperkuat pengaruh digital leadership, namun tidak signifikan pada digital culture. Sebaliknya, moderasi digital literacy pada digital technology menunjukkan hasil negatif signifikan. Temuan ini menegaskan pentingnya strategi digital terpadu dalam meningkatkan kinerja organisasi.
Determinants of Profitability in State-Owned and Privately-Owned Banks in Indonesia: The Role of Credit Risk, Liquidity Risk, Operational Efficiency, and Green Banking Euro Ellytra; Umi Widyastuti; Gatot Nazir Ahmad
Enrichment: Journal of Multidisciplinary Research and Development Vol. 4 No. 4 (2026): Enrichment: Journal of Multidisciplinary Research and Development
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/enrichment.v4i4.734

Abstract

This research examines the effects of credit risk, liquidity risk, operational efficiency, and green banking on the profitability of state-owned (Badan Usaha Milik Negara or BUMN) and privately owned national (Badan Usaha Milik Swasta or BUMS) commercial banks listed on the Indonesia Stock Exchange during the 2020–2024 period. Credit risk is measured using the Non-Performing Loan (NPL) ratio, liquidity risk is measured using the Loan-to-Deposit Ratio (LDR), operational efficiency is measured using the Operating Expenses to Operating Income (BOPO) ratio, and green banking is measured based on the level of sustainable banking implementation, while profitability is proxied by the Net Interest Margin (NIM). This quantitative descriptive-verificative study uses secondary data obtained from annual reports and audited financial statements. The sample consists of 14 banks selected through purposive sampling during the 2020–2024 period, resulting in 70 panel observations analyzed using panel data regression with EViews 9. The Random Effects Model (REM) was selected as the most appropriate model based on the Chow, Hausman, and Lagrange Multiplier tests and fulfilled the requirements of classical assumption testing. The results show that NPL has a negative and significant effect on NIM, whereas LDR has a positive and significant effect. Conversely, BOPO and green banking have no significant effect on NIM. Simultaneously, the four independent variables do not have a significant effect on profitability, with an Adjusted R² value of only 6.84 percent. State-owned banks also outperformed privately owned banks across all six indicators examined. These findings indicate that effective credit risk and liquidity management remain key determinants of banking profitability, while the benefits of green banking are more likely to emerge over the long term. The findings provide valuable insights for bank management, regulators, and future researchers.
Anteseden Keputusan Penggunaan Bank Digital pada Generasi Z di Jabodetabek Muhamad Ilham; Umi Widyastuti; Diena Noviarini
Jejak digital: Jurnal Ilmiah Multidisiplin Vol. 2 No. 2 (2026): MARET 2026
Publisher : INDO PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/3pcfpq25

Abstract

This study aims to analyze the influence of Financial Literacy, Friend Influence, Perceived Ease of Use, and Perceived Enjoyment on the Decision to Use digital banking among Generation Z in Greater Jakarta. The research employs a quantitative method using a survey technique through an online questionnaire. The sample consists of 144 respondents aged 13–28 years who reside in Greater Jakarta and have digital bank accounts. Data analysis was conducted using the Partial Least Squares Structural Equation Modeling (PLS-SEM) technique through SmartPLS 4 software. The results show that Financial Literacy has a significant positive effect on the Decision to Use. Friend Influence is also proven to have a significant positive effect on the Decision to Use. Furthermore, Perceived Ease of Use has a significant positive effect on Perceived Enjoyment, and Perceived Enjoyment has a significant positive effect on the Decision to Use. The findings are expected to provide theoretical contributions to the development of technology adoption models as well as practical contributions to the banking industry in formulating appropriate marketing strategies to increase digital bank usage among young generations. The implications of this study indicate that digital banking service providers need to develop strategies that focus not only on application usability but also on improving digital financial literacy, creating enjoyable user experiences, and leveraging social influence to encourage digital bank usage decisions among Generation Z.
Improving User Engagement of the Livin Mandiri Application: An Analysis of the Role of Gamification and User Experience with User Satisfaction as a Mediator Maulana Rifky Yudhira; Umi Widyastuti; Meta Bara Berutu
Escalate : Economics and Business Journal Vol. 2 No. 03: Creative Resilience and Market Innovation: Strategies for Sustainable Business Growth
Publisher : Takaza Innovatix Labs Ltd.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61536/escalate.v2i03.343

Abstract

The rapid advancement of digital banking services has led financial institutions to strengthen user interaction through user experience and gamification strategies. This study aims to analyze the effect of user experience and gamification on user engagement in the Livin by Mandiri application, with user satisfaction as a mediating variable. This quantitative study used primary data collected through online questionnaires distributed to 234 users in the Jakarta area. Data were analyzed using the Partial Least Squares-Structural Equation Modeling (PLS-SEM) method with SmartPLS 4 software. The results show that both user experience and gamification significantly influence user satisfaction, while user satisfaction positively affects user engagement. However, user experience and gamification do not directly influence engagement. The study concludes that user satisfaction serves as a crucial mediating factor linking system design and motivational features to sustainable engagement in digital banking services.
Rancang Bangun Aplikasi Laporan Keuangan Yayasan NHR Berdasarkan SAK EP dan ISAK 335 Mustofa Haqmaliah; Hera Khairunnisa; Umi Widyastuti
Jurnal Akuntansi, Perpajakan dan Auditing Vol. 7 No. 2 (2026): Jurnal Akuntansi, Perpajakan dan Auditing
Publisher : LPPM Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/japa.0702.10

Abstract

This study aims to design and build a local web-based application that prepares the financial statements of Nur Hidayah Rusmaniah Foundation, an Islamic education foundation managing three units whose finances were previously recorded manually without a standardized accounting cycle. The application applies SAK EP for recognition and measurement and ISAK 335 for the presentation of five financial statement components. Development followed the Modified Waterfall with Prototyping method, combined with the ADDIE model to produce a guidance module for a treasurer without an accounting background. Data were collected through in-depth interviews, document analysis, and literature study. Testing consisted of batch-based dummy testing with historical transactions, Black Box Testing, and a user understanding test. The application generated all five statements required by ISAK 335 with results identical to manual reconstruction, passed every functional scenario, and the revised module enabled the treasurer to begin operating the system independently.
Determinan Keputusan Investasi; Studi pada Generasi Sandwich Muchammad Ichsan Kamil; Gatot Nazir Ahmad; Umi Widyastuti
Journal of Business Application Vol. 3 No. 1 (2024): Journal of Business Application
Publisher : Univiversitas Dr. Djar Wattiheluw

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55098/jba.v3.i1.p19-31

Abstract

The number of the sandwich generation in Indonesia increased by 33.82% in 2021 compared to 2020. The latest figures also show the looming burden on Millennials to care for their parents. The sandwich generation continues to grow until financial responsibility is no longer limited to parents and biological children, but also to generations above and below who are still family. This is the background to this research which aims to analyze and determine the factors that influence investment decisions among the sandwich generation in Jakarta with an age range of 20 to 31 years. This research uses primary data and data collection methods using questionnaires distributed online. Questionnaire data was collected using Google Form by getting 200 respondents. Data analysis was carried out using the PLS Structural Equation Model (SEM). The findings of this research show that there is a positive and significant influence of financial literacy on investment decisions. Meanwhile, financial literacy on fear of missing out shows an negative affect and significant. Meanwhile, fear of missing out on investment decisions does not have a significant affect.
Determinan Perilaku Menabung Pada Siswa Sekolah Menengah Atas; Peran Literasi Keuangan Sebagai Variabel Intervening Dhea Frisca; Umi Widyastuti; Agung Dharmawan Buchdadi
Journal of Business Application Vol. 2 No. 1 (2023): Journal of Business Application
Publisher : Univiversitas Dr. Djar Wattiheluw

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55098/jba.v2.i1.p30-44

Abstract

The low saving rate of students aged 15-17 years is the reason for the purpose of this research, namely to analyze and find out about the influence of financial literacy, financial socialization, peer influence and self-control on saving behavior of high school students in DKI Jakarta and to analyze the influence between financial socialization on saving behavior through financial literacy of high school students in DKI Jakarta as an intervening variable. This research uses quantitative methods. The data collection technique in this study was distributing questionnaires consisting of several statements. The population in this study were high school students in DKI Jakarta with a sample of 287 students in DKI Jakarta who were taken by convenience sampling technique. The data analysis technique used is using several tests including validity tests, reliability tests, model feasibility tests and hypothesis testing through the SPSS 25 and AMOS 24 applications. The conclusion from the results of this study is that financial literacy, financial socialization, peer influence and self-control have an influence positive and significant impact on the saving behavior of high school students as well as financial literacy can be an intervening role that partially plays a role between financial socialization and saving behavior.
MENINGKATKAN KERJA SAMA SISWA PADA PEMBELAJARAN PRAKTIK AKUNTANSI DAGANG MELALUI TEAM BASED LEARNING KELAS XI AKUNTANSI SMK NEGERI 2 JAKARTA Diah Safitri, Niken; Dwi Kismayanti Respati; Umi Widyastuti
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 03 (2026): Volume 11 Nomer 03, September 2026 Publication
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i03.63469

Abstract

Student Collaboration is one of the essential 21stcentury skills included in the 4C competencies (Creativity, Critical Thinking, Communication, and Collaboration). This skill is important to be developed in the learning process because it can enhance students’ communication and collaboration abilities. However, preliminary observations indicated that students' collaboration was still not optimal, as shown by low participation in group discussions and limited communication among students. This study aimed to improve students' collaboration through the implementation of the Team-Based Learning (TBL) model. This study employed Classroom Action Research (CAR), which was conducted in two cycles using a descriptive qualitative approach. The research subjects consisted of 34 class XI Accounting students at SMK Negeri 2 Jakarta. The sampling technique used was non-probability sampling with purposive sampling based on predetermined criteria. The results showed that the implementation of Team-Based Learning was able to improve students' collaboration in each cycle. The average collaboration score increased from 75 in the pre-cycle to 84 in Cycle I and 93 in Cycle II. The improvement was indicated by increased students' active participation in group discussions, communication skills, individual responsibility in completing group tasks, and mutual respect among group members. Therefore, the Team-Based Learning model was proved effective in improving students' collaboration in Accounting Practice learning.
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