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THE INFLUENCE OF DIGITAL LITERACY AND FINANCIAL SELF EFFICACY ON RISKY CREDIT BEHAVIOR IN USING SHOPEE PAY LATER Yahya, Muhammad Rizky; Liestyowati, Liestyowati; Majid, Jamaluddin; Nurchayati, Nurchayati; Mulastih, Listiana Sri
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 1 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i1.11125

Abstract

Abstract Digital Literacy is an important instrument to strengthen customer strength to avoid risky credit behavior. Apart from Digital Literacy, Financial Self Efficacy is also an important instrument to avoid this. Therefore, this research aims to analyze the influence of digital literacy and financial self-efficacy on risky credit behavior. This research is quantitative research with an explantory approach, namely research that uses previous research as a stepping stone for finding new findings. The data used in this research uses primary data collected using the 1-5 questionnaire method which contains agree, strongly agree, disagree and strongly disagree. The data used was analyzed via PLS 3.0. The research results show that the Digital Literacy and Financial Self Efficacy variables each have a positive relationship and a significant influence on Risky Credit Behavior. As Digital Literacy improves and Confidence in managing finances increases, it will further strengthen the potential of employees to avoid Risky Credit Behavior.. Keywords : Digital Literacy, Financial Self Eficacy, Risky Credit Behavior
THE INFLUENCE OF COMPANY DEBT AND PROFITABILITY ON COMPANY VALUE WITH PRODUCT QUALITIY AS A MODERATING VARIABLE Wijayanti, Indah Oktari; Mulatsih, Listiana Sri; Judijanto, Loso; Nurchayati, Nurchayati; Yahya, Yahya
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 1 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i1.11215

Abstract

Abstract Good company values are the aspiration of a company to have a good image and be able to help the country, employees and local residents. Because the company values are good, everyone will experience prosperity. There are a number of factors that can influence a company, including a measurable debt policy and adequate profits so that they can help the company in difficulties and fund the company's large projects. Therefore, this research aims to analyze the influence of Company Debt and Profitability on Company Value. Different from previous studies, this research adds the Product Quality variable as a moderating variable. This research is a quantitative research with an explantory approach. The data used in this research is secondary data which was distributed through a questionnaire method to the Head of Finance and Employees in the Kuangan field at PT. Sawit Lestari Group Benkgukulu, Pt. Sumber Andalas Kencana, PT. Sawit Sumbermas, and PT. Astra Agra Palm Oil which is spread throughout Indonesia. The data used was analyzed with Smart PLS 3.0. The results show that the Corporate Debt and Profitability variables have a positive relationship and have a significant influence on the Company Value variable because each variable has a t-table value below the significance level of 0.05. Apart from that, the Product Quality variable can significantly moderate the influence of the Corporate Debt and Profitability variables on Company Value. Keywords : Company Debt, Profitability, Product Qualitiy, Company Value
STRATEGI PENGEMBANGAN FINTECH DI INDONESIA DENGAN PENDEKATAN BUSINESS MODEL CANVAS Anita, Siska Yuli; Burhanuddin, Burhanuddin; Litamahuputty, Jacomina Vonny; Sipakoly, Selly; Nurchayati, Nurchayati
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 2 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i2.13136

Abstract

Abstrak Pengembangan fintech di Indonesia dan business model canvas menjadi subjek utama dalam penelitian ini. Pendekatan penelitian ini mengumpulkan data melalui studi literatur, yang melibatkan pembacaan literatur dari berbagai sumber termasuk buku, jurnal, dan laporan dengan menggunakan pendekatan kualitatif dan deduktif. Temuan penelitian ini menunjukkan fintech di Indonesia sudah berkembang sangat pesat dan telah merambah ke berbagai sektor, mulai dari pembayaran, peminjaman, perencanaan keuangan, pembiayaan hingga investasi. Hal ini dapat memberikan kemudahan kepada masyarakat dalam memenuhi segala kebutuhannya terutama dalam hal finansial. Selain itu, penerapan business model canvas sangat efektif dalam membantu perusahaan dalam menggambarkan dan memvisualisasikan model bisnis yang diinginkan agar dapat memudahkan dalam melakukan pelayanan kepada masyarakat serta dapat memaksimalkan pendapatan dan keuntungan jangka panjang. Kata Kunci: Strategi Pengembangan, Financial Technology (Fintech), Business Model Canvas
INOVASI UBI UNGU MENJADI DONUT SEBAGAI KREATIVITAS PRODUK LOKAL DI KELURAHAN MANGUNSARI, KECAMATAN GUNUNGPATI, KOTA SEMARANG Nurchayati, Nurchayati; Muchayatin, Muchayatin; Parju, Parju; Suyati, Sri; Setyobudi, Setyobudi; Sulistyani, Sulistyani; Aminah, Siti; Riyanto, Joko; Musprihadi, Ribut
MAJU : Indonesian Journal of Community Empowerment Vol. 2 No. 6 (2025): MAJU : Indonesian Journal of Community Empowerment, November 2025
Publisher : Lembaga Pendidikan dan Penelitian Manggala Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62335/maju.v2i6.1899

Abstract

This community service program aims to empower the people of Mangunsari Village, Gunungpati District, Semarang City through purple sweet potato-based donut innovation. The main problem is the low added value of purple sweet potatoes, which are only sold raw, and limited knowledge of processed product diversification. The implementation method included training in donut making, packaging, branding, and marketing management for 25 participants. Results showed a significant increase in participant knowledge from 38% to 87%, with 92% of participants able to produce high-quality donuts. The optimal formulation using a 37.5% substitution of purple sweet potato puree resulted in an organoleptic acceptance level of 84-88%. Value-added analysis showed a 1,025% increase in economic value with a profit margin of 260%. The "Sate Donat Mini 17" business group was formed, with 48% of participants actively producing, generating additional income of IDR 1.8-3.5 million per month. The program has had a positive impact on community economic empowerment and increasing the added value of local commodities. Keywords: Community Empowerment, Purple Sweet Potato, Product Innovation, Added Value, Entrepreneurship
Future-mindedness pada gelandangan dan pengemis yang menjalani rehabilitasi Nurchayati, Nurchayati; Rizqiyah, Aulia Rachmah
Mediapsi Vol 9 No 1 (2023): Juni
Publisher : Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.mps.2023.009.01.846

Abstract

Homelessness and beggary are social problems, particularly for urban community. The Indonesian government has long used rehab centers to train vagrants and beggars to be fully functioning members of society. Future-mindedness is one of the life-attitudes that the homeless and beggars are to learn to adopt. Using the case study approach, this qualitative psychological research explores future-mindedness among vagrants and beggars undergoing rehab programs. Data were collected through semi-structured interviews with four participants and two of their significant others. The thematic analysis conducted on the interview data produced three key findings: a) the circumstances that had helped bring about beggary and vagrancy; b) the ways the beggars and vagrants learned to plan their lives; and c) the factors that enabled them to think about the future. This study concludes that employment, place of residence, and family life formed the center of these people’s future plans. Rehab programs—if they are to succeed—must take into account both the personal context and the social environment in which beggars and vagrants have lived their lives and are learning to re-think their futures.
PEMBERDAYAAN JAMU TRADISIONAL OMAH AMPIRAN WONOLOPO MELALUI PENGEMBANGAN PRODUK, BRANDING, DAN PEMASARAN DIGITAL Nurchayati, Nurchayati; Imam Gozali; Sukardi, Sukardi; Suparmi, Suparmi; Lisa Erfi Yunita
J-ABDI: Jurnal Pengabdian kepada Masyarakat Vol. 5 No. 7 (2025): Desember 2025
Publisher : Bajang Institute

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

Abstract

Traditional jamu (herbal medicine) represents an invaluable part of Indonesian cultural heritage, yet it faces declining interest due to limited product innovation, weak branding, and minimal digital marketing adoption. This community service program aims to empower 25 traditional jamu entrepreneurs in Omah Ampiran Tourism Village, Wonolopo, Semarang City, through integrated product development, branding, and digital marketing. Using Participatory Action Research (PAR) over 24 weeks, the program completed its preparation phase (weeks 1-4) involving stakeholder engagement and need assessment. Baseline findings revealed that 84% have limited variants, 0% have registered trademarks, and 60% lack social media presence, with an average monthly revenue of IDR 2,450,000. The program includes three training clusters and intensive mentoring (weeks 5-20). Target outcomes: 80% developing three new variants, 90% establishing brand identity, 100% utilizing social media, and 70% registering on marketplaces. A sustainable community with peer-to-peer mentoring will ensure continuity, contributing to cultural heritage preservation and women's economic empowerment.
Alat Pembelah Bambu untuk Meningkatkan Produksi Tusuk Sate di Kelompok Sepakat Bersama, Bengkaung, Batulayar, Lombok Barat Nurchayati, Nurchayati; Yesung Allo Padang; Hendry Sakke Tira; Nurpatria, Nurpatria; Suteja, Suteja
JURNAL KARYA PENGABDIAN Vol. 7 No. 2 (2025): Oktober, Jurnal Karya Pengabdian
Publisher : Jurusan Teknik Mesin FT Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jkp.v7i2.201

Abstract

Semenjak awal tahun 2022 tepatnya pada bulan Maret, pemerintah Republik Indonesia mulai melonggarkan aturan Covid-19. Dampak positif dari hal tersebut adalah kondisi wisata di Lombok mulai menggeliat lagi. Banyak wisatawan yang mulai berkunjung ke wilayah lombok, NTB. Sehingga perekonomian juga berangsur-angsur membaik. Seiring dengan bangkitnya sektor pariwisata ini, usaha kuliner juga mulai tumbuh lagi. Beberapa kuliner yang terkenal di Lombok adalah Sate Rembiga, sate pusut, sate ikan tanjung dan sate bulayak. Untuk membuat berbagai macam jenis sate ini tentunya sangat membutuhkan tusuk sate. Dusun Seraya desa Bengkaung kecamatan Batu Layar Lombok Barat merupakan salah satu daerah penghasil tusuk sate. Produksi tusuk sate di daerah ini masih dikerjakan dengan alat tradisional. Universitas Mataram sebagai salah satu perguruan tinggi negeri di kota Mataram yang memiliki sumber daya tenaga ahli dan gudangnya ilmuwan sudah seharusnya menunjukkan peran dan partisipasinya untuk peduli terhadap usaha kecil yang ada disekitar kampus. Jarak kelompok usaha tusuk sate ini tidak terlalu jauh dari Universitas Mataram, sekitar 10 km. Berdasarkan permasalahan tersebut maka diperlukan untuk memberikan penyuluhan dan pengenalan alat bantu agar produksi tusuk sate yang dihasilkan menjadi meningkat. Alat yang diaplikasikan ini adalah alat pembelah bambu, yang mampu meningkatkan produksi tusuk sate. Sebelumnya pekerja dalam membelah satu potong bambu, membutuhkan beberapa kali proses pembelahan. Setelah menggunakan alat pembelah bambu ini dapat dikerjakan lebih cepat. Satu kali proses pembelahan sepotong bambu menggunakan alat pembelah bambu ini menghasilkan 10 bilah bambu, yang artinya jauh lebih banyak dibandingkan dengan yang dilakukan selama ini oleh pekerja. Hasil Evaluasi pada saat penyuluhan dapat dikatakan berhasil dengan terlihat semangatnya peserta penyuluhan dalam mempraktekkan penggunaan alat ini. Kata kunci: pembelah bambu, tusuk sate
Democratic Leadership Style and Constructive Feedback as Drivers of Generation Z Students' Academic Achievement Monica Indi Gunawan Setia; Emiliana Sri Pudjiati; Nurchayati Nurchayati; Sukardi Sukardi
International Journal of Economics and Management Research Vol. 5 No. 1 (2026): April: International Journal of Economics and Management Research
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v5i1.819

Abstract

The academic achievement of Generation Z students faces new challenges as higher education dynamics are increasingly shaped by instructional interaction styles and feedback quality. Theoretically, this study is grounded in democratic leadership theory (Avolio et al., 1999) and effective feedback theory (Kluger & DeNisi, 1996; Wisniewski et al., 2020). Research gap shows inconsistent findings regarding the simultaneous relationship of democratic leadership style and constructive feedback with academic achievement among Gen Z students in Indonesian higher education. Therefore, this study aims to analyze the relationship between democratic leadership style (X1) and constructive feedback (X2) on the academic achievement (Y) of Gen Z students at Universitas 17 Agustus 1945 Semarang. The study employs a quantitative correlational approach using Pearson Product Moment on 100 students selected through stratified proportional sampling. The results of the correlation test show that democratic leadership style has a positive and significant correlation with academic achievement (r = 0.699; sig. = 0.000), constructive feedback has a positive and significant correlation with academic achievement (r = 0.813; sig. = 0.000), and constructive feedback demonstrates a stronger correlation than democratic leadership style. These findings indicate that feedback quality is the dominant factor in promoting student academic achievement. The research recommends prioritizing faculty competency development in effective feedback delivery as the primary strategy for improving student academic achievement in higher education institutions.
Pengaruh Pengalaman Pelanggan dan Personalisasi terhadap Keputusan Pembelian Konsumen Tembakau (Studi Pada Nusantara SR Tobacco di Semarang) Widyastuti, Retno; Sugiyarti, Gita; Nurchayati, Nurchayati; Sulistiyani, Sulistiyani
Serat Acitya Vol. 15 No. 1 (2026): April Jurnal Ilmiah Serat Acitya
Publisher : Universitas 17 Agustus 1945

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/7e34qb71

Abstract

Abstraksi Penelitian ini dilaksanakan dengan tujuan untuk menganalisis pengaruh yang dihasilkan oleh pengalaman pelanggan dan personalisasi terhadap keputusan pembelian produk tembakau di wilayah kota Semarang. Populasi penelitian mencakup seluruh konsumen yang melakukan transaksi pembelian produk tembakau di Toko Tembakau Nusantara SR Tobacco yang berlokasi di Semarang. Jumlah sampel yang di tetapkan dalam penelitian ini adalah 128 responden, dengan teknik purposive sampling diterapkan sebagai metode dalam proses pengambilan sampel. Sumber data yang digunakan dalam penelitian ini berasal dari data primer, di mana kuesioner menjadi instrumen utama dalam pengumpulan data. Analisis data dilakukan dengan mengimplementasikan teknik analisis regerensi linier berganda. Berdasarkan hasil pengujian hipotesis yang diperoleh, ditemukan bahwa pengalaman pelanggan memberikan pengaruh yang positif dan signifikan terhadap keputus pembelian, demikian pula dengan personalisasi yang juga menunjukan pengaruh positif dan signifikan terhadap keputusan pembelian. nilai koefisien determinasi yang dihasilkan sebesar 0,546, yang mengindikasi bahwa variabel pengalaman pelanggan dan personalisasi secara bersama sama mampu menjelaskan variasi yang terjadi pada variabel keputusan pembelian sebesar 54,6%. Dengan demikian terdapat ruang terbuka bagi pelaksanaan penelitian selanjutnya untuk mengeksplorasi aspek-aspek lain yang perpotensi mempengaruhi keputusan pembelian
Application of Squishy Intervention With Combination Active ROM To Increase Muscle Strength Hands On Stroke Patient Irgi Biantara; Arif Wahyu Setyo Budi; Nurchayati Nurchayati; Puspitowarno Puspitowarno; Fitnaningsih Endang Cahyawati
Jurnal Ilmiah Kedokteran dan Kesehatan Vol. 2 No. 2 (2023): Mei : Jurnal Ilmiah Kedokteran dan Kesehatan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/klinik.v2i2.1322

Abstract

Introduction– Stroke is a non-communicable disease that has an impact on the loss of motor skills in the extremities. One intervention that can overcome this problem is the application of squishy with a combination of active ROM. Purpose– The purpose of this case study was to conduct nursing care on the application of squishy intervention to increase hand muscle strength in stroke patients. Methodology/Approach – The method used in writing is a case report which was carried out for 6 days with Active ROM combination squishy intervention. Findings– The results of this scientific work show that with the active ROM combination squishy intervention for 6 days, there is a significant increase in muscle strength in the right upper extremity before the intervention is worth 2 and after the intervention is worth 4. Conclusion– The effectiveness of the application of nursing care standards in increasing muscle strength given to patients shows a change in muscle strength on the third day to the fifth day with a muscle strength value of 3 and the sixth day with a muscle strength value of 4.
Co-Authors , Muchayatin Achmad Zainuri Adia Syifa Isnani Adissa Indriana Putri Agung Wibowo Agung Wibowo Agus Widodo Alifiya Ufaida Amanda, Nadia Desya Amelia, Ayu Andalan Tri Ratnawati Andre Dwy Prayoga Andreas Saputro Aqila Carinda Naura Arif Mulyanto Arif Mulyanto, Arif Arif Wahyu Setyo Budi Aris Mardiyono Ariyanti, Rini Attin Munadhiroh Burhanuddin Burhanuddin Cahyani, Fitnaningsih Endang Cahyono Cahyono CH Astra Nugraha Dayanti, Agustina Diah Dwi Rahmawati Emiliana Sri Pudjiati Endang Swastuti Fachrama Fachrama Frans Sudirjo Gita Sugiyarti Hafidah, Nur Hafidz Hamidah Yusuf, Abdul Hartono, Rudi Hasyim Hasyim Hendry Sakke Tira, Hendry Sakke Herlina Herlina Hermawan, Andreas Dani Tjoa Heru Eko Prasetyo Hikmah Hikmah I Wayan Joniarta I.B. Alit, I.B. Ida Bagus Gde Gianyar, Ida Bagus Ikut, Camilus Isidorus Imam Gozali IRA DARMAWANTI Irgi Biantara Irine Putri Nalaria Isnaini Putri Arifin Jacomina Vonny Litamahuputty Jamaluddin Majid Janti Soegiastuti Jaro'ah, Siti Joko Riyanto Judijanto, Loso Jumrotun, Jumrotun Juniarto, Galuh Kristanto, Ardhy Kristianingsih, Eni KURNIATAMA, SONYADI KUSUMA WARDANI Laurina, Nia Alna Liestyowati Liestyowati Lina Listyawati Lisa Erfi Yunita LISTIANA SRI MULATSIH M Syahrul Made Wijana, Made Marianingsih, Ita Monica Indi Gunawan Setia Muchayatin Muchayatin Muchayatin, Muchayatin Muhammad Yusron Maulana El-Yunusi Mulastih, Listiana Sri Musprihadi, Ribut Nugraha, Asta Nur Widawati, Desi Nurajizah Nurajizah Nurpatria Nurpatria, Nurpatria Oxzy Yoga Pratama Pandri Pandiatmi Paramarta, M.Magistra Apta Parju Parju Parju Parju Parju, Parju Pradanawan Febiansyah Nugraha Prasetyo, Heru Eko Pratiwi, Silvi Priyombodo, Bony Purnawarman Purnawarman, Purnawarman Puspitowarno Puspitowarno Rahman, Fitri Aulia Ratna Diyah Ayu Permatasari Ratnawati Dwi Putranti Honorata Retno Widyastuti, Retno Rizkina Intan Pandini Rizqiyah, Aulia Rachmah RR. Ella Evrita Hestiandari Rr. Suprantiningrum Rudy Sutanto S.H. Pamuji, S.H. Sadam Husaini SAYIDATIN NASAROH Setyabudi, Setyabudi Setyawati, Selvia Lilis Setyobudi Setyobudi Setyobudi Setyobudi Sinarep Sinarep Sipakoly, Selly Siska Yuli Anita Siti Aminah Siti Ulfiyani, Siti Slamet Riyadi Sonia, Eva Sri Puji Lestari Sri Suprapti Sri Suprapti Sukardi Sukardi Sukardi Sukardi Sukirman Sukirman SULISTIYANI SULISTIYANI Sulistyani Sulistyani Suparjo Suparmi Suparmi Suparmi Suparmi Supriyatno, Mega Suroto Suroto Suroto suroto Suteja Suteja, Suteja Suyati - Tariza Aprilia Devianti Tety Aprilla Rismawani Tiara Putri Innayah Tri Widayati Vania Ardelia Widi - Hariyanti Widi Kurniawan Wijayanti, Indah Oktari Wulan Sari, Nova Lailan Wuryantoro, Javier Atallariz Yahya, Muhammad Rizky Yasmien, Nurria Yesung Allo Padang Yesung Allo Padang, Yesung Allo Yolandha Raharjo Yunita, Lisa Erfi Zulkarnain, Andre