Article Per Year (5 Year)
p-Index From 2021 - 2026
10.366
P-Index
This Author published in this journals
All Journal MIX : Jurnal Ilmiah Manajemen SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Referensi : Jurnal Ilmu Manajemen dan Akuntansi Develop Jurnal Tabarru': Islamic Banking and Finance Jurnal Intake : Jurnal Penelitian Ilmu Teknik dan Terapan Jurnal Mantik JURNAL PENELITIAN EKONOMI DAN AKUNTANSI (JPENSI) Jurnal Ilmiah Edunomika (JIE) Creative Research Management Journal Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Darma Agung International Journal Of Science, Technology & Management (IJSTM) ARSY : Jurnal Aplikasi Riset kepada Masyarakat EkoBis: Jurnal Ekonomi & Bisnis Jurnal Pengabdian Masyarakat Indonesia Bharanomics Jurnal Abdimas Indonesia : Jurnal Abdimas Indonesia Journal of Community Practice and Social Welfare (JaCiPS) Jurnal Ekonomi Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) AKM: Aksi Kepada Masyarakat Batara Wisnu : Indonesian Journal of Community Services Formosa Journal of Multidisciplinary Research (FJMR) Media Bina Ilmiah Indonesian Journal of Management Science Indonesia Accounting Research Journal Journal of Economic Education and Entrepreneurship Studies Community Service Journal Of Economic Education Nomico Dharma: Jurnal Pengabdian Masyarakat Jurnal Ekonomi, Manajemen, Akuntansi Atestasi : Jurnal Ilmiah Akuntansi Journal of Empowerment Indonesia Nomico Journal of Economic Education and Entrepreneurship Studies Jurnal Ekonomi, Bisnis, Manajemen dan Akuntansi (JEBIMAN)
Juliani Pudjowati
Fakultas Ekonomi Dan Bisnis, Universitas Bhayangkara Surabaya
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mechanical Engineering Medicine & Pharmacology Nursing Public Health Social Sciences Transportation Other

Published : 73 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 73 Documents
Search

 4   5   6   7   8 
THE INFLUENCE OF INCOME AND INTEREST ON KPR DECISIONS WITH FINANCIAL LITERACY AS A MODERATING VARIABLE Nuraini, Nuraini; Pudjowati, Juliani; Purnamasari, Eva; Wulandari, Endang; Sasono, Heri
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.v8i1.11493

Abstract

Abstract Housing is a primary need that every individual dreams of having. Individuals who cannot afford to buy a house in cash choose the mortgage route so they can occupy it and ultimately own it when the installments are finished. There are a number of factors that can influence consumers to decide on a mortgage, including individual income and home mortgage interest rates. Therefore, this research aims to analyze the influence of the Income and Interest Rate variables on the KPR Decision variable. Different from previous studies, this research adds the Financial Literacy variable which researchers believe can strengthen the influence of the Income and Interest Rate variables on the KPR Decision variable. This research is quantitative research with an explantory approach that develops research (Sukmawati, 2020). The data used in this research is primary data distributed to 250 BSI bank customers who have been offered KPR throughout Indonesia. The research results show that the Income and Interest Rate variables have a positive relationship and have a significant influence on KPR decisions. Apart from that, the Financial Literacy variable can moderate the influence of the Income and Interest Rate variables on the KPR Decision variable. Keywords: Income, Interest, Financial Literacy, KPR Decision
The Effect Of Work Motivation, Competence And Compensation On Employee Spirit And Performance At Regional Office II Of The National Civil Service Agency In Surabaya Pudjowati, Juliani; Susi Tri Wahyuni; Endang Siswati; Mochammad Balafif; Winarno
International Journal of Science, Technology & Management Vol. 3 No. 3 (2022): May 2022
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v3i3.499

Abstract

This study aims to examine and analyze the effect of Work Motivation, Competence, and Compensation on Spirit of Work and Employee Performance, as well as the influence of Spirit of Work on Employee Performance at Regional Office II of the National Civil Service Agency in Surabaya. The samples in this study were taken as many as 85 samples, namely 85 employees at Regional Office II of the National Civil Service Agency in Surabaya. Data analysis techniques using path analysis with SPSS software version 22. The conclusions obtained from this study are: (1) Work Motivation has a significant effect on Spirit of Work; (2) Competence has a significant effect on Spirit of Work; (3) Compensation has a significant effect on Spirit of Work; (4) Work Motivation has not significant effect on Employee Performance; (5) Competence has a significant effect on employee performance; (6) Compensation has not significant effect on employee performance; and (7) Work Spirit has a significant effect on Employee Performance at Regional Office II of the National Civil Service Agency in Surabaya.
The role of commitment as a moderator of the influence of financial literacy on the sustainability of MSME Businesses in the Kenjeran Area of Surabaya Juliani Pudjowati; Susi Tri Wahyuni; Eryana Setyarti
Indonesia Accounting Research Journal Vol. 12 No. 4 (2025): June: Auditing, Finance, Accounting, Management
Publisher : Institute of Accounting Research and Novation (IARN)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/iacrj.v12i4.455

Abstract

The purpose of this study is (1) To examine the influence of financial literacy on the sustainability of MSME businesses. (2) To analyze the role of commitment as a moderator of the relationship between financial literacy and the sustainability of MSME businesses. The research method used is quantitative descriptive research. The population in this study were all MSME actors in the Kenjeran area of ​​Surabaya, totaling 219 people. While the research sample used the Slovin formula with a standard error of 5% of 141 respondents. The data analysis technique used in this study was path analysis using the SPSS program. The results of this study indicate that there is a significant direct influence between financial literacy and the sustainability of MSME businesses in the Kenjeran area, Surabaya, and that the commitment of business actors plays a role in strengthening (moderating) the relationship.
Analysis of Job Insecurity and Minimum Wage on Labor Productivity in the Formal Sector Pudjowati, Juliani; Wahyuni, Susi Tri
Nomico Vol. 3 No. 2 (2026): Nomico-March
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/6fwxsj44

Abstract

Labor productivity is a key determinant of economic competitiveness and sustainable growth, yet Indonesia continues to face structural challenges in its formal labor market. Minimum wage policy is frequently used to improve worker welfare, but its impact on productivity remains debated, particularly in relation to job insecurity. This study aims to analyze the effects of minimum wage and job insecurity on labor productivity in Indonesia’s formal sector. Using a quantitative explanatory design, the research combines secondary provincial data on minimum wages and productivity indicators with primary survey data measuring perceived job insecurity among formal sector workers. Multiple linear regression analysis, including an interaction term, is employed to examine direct and moderating effects. The findings indicate that minimum wage has a positive and significant effect on labor productivity, while job insecurity negatively affects productivity. Moreover, job insecurity weakens the positive relationship between minimum wage and productivity. The study concludes that minimum wage can either promote or constrain productivity depending on employment stability and enforcement conditions. Effective wage policy must therefore be accompanied by strengthened job security and institutional support to ensure sustainable productivity growth
The Influence of Consumer Reviews on Social Media on Purchase Intentions for Household Products (A Digital Marketing Approach) in Pasar Turi Baru Surabaya Eryana Setyarti; Juliani Pudjowati; Nurul Iman
Journal of Economic Education and Entrepreneurship Studies Vol. 6 No. 2 (2025)
Publisher : Department of Economics Education, Faculty of Economics, Universitas Negeri Makassar

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

Abstract

The rapid advancement of digital technologies has transformed consumer behavior, particularly in how purchase decisions are influenced by social media interactions. This study investigates the effect of consumer reviews on social media platforms on the purchase intentions of household products, with a focus on vendors and consumers at Pasar Turi Baru in Surabaya, Indonesia. Employing a quantitative research design, data were collected from 50 respondents through a structured questionnaire distributed on-site. The study utilized a simple linear regression analysis to examine the relationship between social media reviews and consumer purchase intentions. The results indicate that consumer reviews have a statistically significant positive effect on purchase intentions. Visual content, trustworthiness of the source, and user-generated authenticity emerged as key drivers influencing consumer confidence. The coefficient of determination (R²) reached 0.527, meaning that 52.7% of the variation in purchase intention can be explained by exposure to consumer reviews. Findings also highlight that visual testimonials and narrative experiences shared on platforms like Instagram and TikTok are particularly persuasive. This research offers practical implications for traditional vendors transitioning to digital marketing. It emphasizes the importance of leveraging user reviews, creating trustworthy content, and engaging with consumers online to enhance their purchasing motivation. The novelty of the study lies in its context: a traditional wholesale market integrating modern digital strategies, offering insights rarely explored in previous literature.
Study on the Impact of Agroforestry Intercropping Activities on Increasing Farmers' Income through the Social Forestry Program Eryana Setyarti; Juliani Pudjowati; Elly Yuniar Nitawati
Journal of Economic Education and Entrepreneurship Studies Vol. 6 No. 2 (2025)
Publisher : Department of Economics Education, Faculty of Economics, Universitas Negeri Makassar

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

Abstract

Research in the KPH Malang reforestation park contract area aims to determine the level of dependence of farmers on forest resources and the role of Perum Perhutani in increasing farmers' income with the Agroforestry Tumpangsari system forestry program. This research requires empirical data that explains the effect of implementing intensification on productivity, income levels and efficiency of farmers participating in social forestry programs. The research results show that the influencing variables are capital, production results, and the number of program participants. Apart from that, there is a difference between the income of program participant farmers and non-program participant farmers. The government's efforts to conserve forests and carry out reforestation can be carried out well with cooperation between Perhutani and program participant farmers.
STUDI LITERATUR ANALISIS DALAM INVESTASI SAHAM DI INDONESIA Elly Yuniar Nitawati; Juliani Pudjowati; Nurul Iman
JEBIMAN : Jurnal Ekonomi, Bisnis, Managemen dan Akuntansi Vol. 3 No. 4 (2025): JULI
Publisher : CV. ADIBA AISHA AMIRA

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

Abstract

Investment is a strategy carried out by individuals and companies as a means of developing funds, including through capital market investment in stock trading. Stocks are a form of activity carried out by purchasing at a low price, then the stock owner determines the right time to sell at a high price, so that the capital owner will get a profit in a relatively short or fast time. Investment in stocks is very promising with large profits, but also has very high risks. Stock market investors must understand the strength of stock prices and be able to predict stock developments effectively to generate profits. Therefore, investors need to conduct proper analysis to optimise investment returns. This study aims to analyse the performance of stock investment strategies in the Indonesian capital market. The results indicate that stock investment strategies based on fundamental and technical analysis can enhance investment returns and reduce risks.
Sustainable Economy and Green Growth: Strategies for Promoting Environmentally Friendly Economic Development Pudjowati, Juliani; Sesario, Revi; Muthmainnah, Riyadatul
Nomico Vol. 3 No. 3 (2026): Nomico - April
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/62nnq181

Abstract

Sustainable economy and green growth have become essential approaches to addressing the global challenge of balancing economic development with environmental sustainability and social welfare. This study aims to analyze how green growth strategies contribute to sustainable economic development through the integration of environmental, economic, and social dimensions. A qualitative research design with a descriptive-exploratory approach was employed. Data were collected through in-depth interviews, document analysis, and focus group discussions involving policymakers, experts, and stakeholders. The data were analyzed using thematic and content analysis to identify key patterns and relationships among variables. The results indicate that renewable energy development, green innovation, policy instruments, institutional governance, and sustainable natural resource management significantly contribute to environmentally friendly economic growth. These factors support the decoupling of economic growth from environmental degradation while promoting efficiency and long-term stability. The findings also highlight the importance of inclusive policies, such as green job creation and social protection, in ensuring equitable benefits of green growth. In conclusion, green growth is a comprehensive strategy that enables sustainable economic development by aligning economic progress with environmental protection and social inclusion. Effective implementation requires integrated policies, strong institutions, and continuous innovation.
Pemberdayaan Masyarakat Desa Sawotratap melalui Pengolahan Sampah Plastik menjadi Ecobrick Juliani Pudjowati; Susi Tri Wahyuni; Herma Setiasih; Wawan Purwanto
Jurnal Abdimas Indonesia Vol. 5 No. 4 (2025)
Publisher : Perkumpulan Dosen Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34697/jai.v5i4.2764

Abstract

Desa Sawotratap merupakan wilayah strategis yang berkembang sebagai kawasan permukiman padat akibat tingginya mobilitas penduduk dan keterbatasan luas wilayah. Kondisi ini berdampak pada peningkatan volume sampah rumah tangga, khususnya sampah anorganik, yang belum diimbangi dengan pengelolaan yang memadai. Kegiatan pengabdian ini bertujuan untuk meningkatkan kesadaran dan keterlibatan masyarakat dalam pengolahan sampah anorganik melalui pemanfaatan limbah plastik menjadi produk bernilai guna. Metode pelaksanaan kegiatan dilakukan melalui sosialisasi lingkungan, pemberian edukasi pengelolaan sampah, pelatihan pembuatan ecobrick, serta pendampingan praktik langsung kepada masyarakat. Hasil kegiatan menunjukkan bahwa masyarakat mampu memahami konsep pengolahan sampah plastik dan mempraktikkan pembuatan ecobrick secara mandiri, dengan hasil produk yang dapat dimanfaatkan sebagai media edukasi dan bahan alternatif kerajinan sederhana. Manfaat yang diperoleh meliputi peningkatan pengetahuan lingkungan, perubahan sikap terhadap sampah anorganik, serta tumbuhnya kesadaran kolektif Masyarakat ntuk mengelola sampah secara mandiri. Kegiatan ini menegaskan bahwa keterlibatan aktif masyarakat dalam pengolahan sampah berbasis ecobrick mampu menjadi pendekatan baru yang sederhana namun berdampak dalam upaya menjaga lingkungan permukiman padat secara berkelanjutan.
Pengaruh Modal Kerja, Biaya Operasional, dan Pendidikan Para Nelayan terhadap Pendapatan Kelompok Usaha Bersama Nelayan di Desa Kenjeran Surabaya, Kec. Kenjeran, Surabaya Sania Yuni Prameswari; Juliani Pudjowati; Susi Tri Wahyuni
Bharanomics Vol. 6 No. 2: April 2026
Publisher : Universitas Bhayangkara Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46821/bharanomics.v6i2.827

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh modal kerja, biaya operasional dan tingkat pendidikan nelayan terhadap pendapatan kelompok usaha bersama nelayan di Kelurahan Kenjeran, Kecamatan Kenjeran, Kota Surabaya. Penelitian ini menggunakan metode kuantitatif berupa survei kuesioner sebagai sumber data primer. Jumlah sampel penelitian ini sebanyak 227 nelayan. Teknik pengambilan sampel yang dipergunakan ialah Purposive Sampling melalui rumus Slovin, sehingga sampel dalam penelitian ini sebanyak 70 orang. Alat analisis yang digunakan meliputi uji validitas dan uji reliabilitas, uji regresi linear berganda, uji F, uji t, dan uji koefisien determinasi. Hasil analisis statistik menjelaskan bahwa: (1) Hasil uji t (parsial) penelitian diperoleh thitung 5,341 > t tabel 1,66827 maka H0 ditolak dan H1 diterima pada level of signifikan sebesar 0,000 < 0,05. Sehingga variabel Modal Kerja (X1) secara parsial berpengaruh signifikan terhadap Pendapatan pada Nelayan di Desa Kenjeran Surabaya (2) Hasil uji t (parsial) penelitian diperoleh thitung 2,900 > t tabel 1,66827 maka H0 ditolak dan H1 diterima pada level of signifikan sebesar 0,001 < 0,05. Sehingga variabel Biaya Operasional (X2) secara parsial berpengaruh signifikan terhadap Pendapatan pada Nelayan di Desa Kenjeran Surabaya. (3) Hasil uji t (parsial) penelitian diperoleh thitung 2,499 > t tabel 1,66827 maka H0 ditolak dan H1 diterima pada level of signifikan sebesar 0,009 < 0,05. Sehingga variabel Pendidikan (X3) secara parsial berpengaruh signifikan terhadap Pendapatan pada Nelayan di Desa Kenjeran Surabaya. (4) Berdasarkan hasil penelitian dapat diketahui variable yang berpengaruh paling dominan ialah variabel Modal Kerja dengan nilai standardized of coefficient (β) paling besar yaitu 0,579 atau 57,9%. Sehingga H0 ditolak dan H1 diterima, Modal Kerja merupakan variabel yang memberikan pengaruh paling dominan terhadap Pendapatan pada Nelayan di Desa Kenjeran Surabaya.
Co-Authors Abdu Fattah Abdul Fattah Abdul Fattah Achmad Syamsudin Ade Puspitasari Aini, Miftakhul Nurul Ali Ikhwan Alvianto, Dony Ammar Wicaksono Anggun Kumala Syafitri Ardhimas Zulkarnain Samsa Ardi Ardana Balafif, Mochamad Benny Saputra Brillian Ayu Cahyaning Safi'i Cakranegara, Pandu Adi Desy Delima Sah Dewianawati, Dwi Dony Alvianto Edo Julio Putra Elly Yuniar Nitawati Endang Siswati Endang Siswati Endang Siswati Endang Wulandari Enjelita Putri Pratiwi Eryana Setyarti Eryana Setyarti Eryana Setyarti Eva Purnamasari Fajar Yanuarko Fakhriza Fernanda Farida Yuni Rahmawati Fathur Putra Meinando Ferdinandus Sampe Firayani Fistianti, Isna Gedia Imanuelitha Gedia Imanuelitha HARYONO Haryono Haryono Hatimah, Hatimah Herma Setiasih I Ketut Suada Ida Bagus Gede Adyaguhyaka Ika Ayu Wildaningtias Ilham Putra Sahbana Ilhami, Ginaris Putri Isna Fistianti Kharisma Masithah Kabarudin L. Tri Lestari Mamak Balafif Mas'adah, Mas'adah Masadah Maulida Nur Fauza Mayke Puspita Anindi Mayke Puspita Anindika Mochammad Balafif Mohammad Balafif Muhammad Fahrul Sandy Muhammad Yusuf Muhammad Yusuf Murfani Umar Djalo Musriha Musriha Musriha, Musriha Muthmainnah, Riyadatul Nitawati, Elly Yuniar Nova Retnowati Nova Retnowati Novelita Nur Afifah Novi Darmayanti Nugraha, M. Brigas Ajie Nunuk Pudjiastuti Nunuk Pujiastuti Nunuk Pujiastuti Nur Indah Anjarwati Nur Lailiyatul Inayah Nuraini Nuraini Nuraini Nuraini Nurqori’ah, Qusnul Laili Nurul Iman Nurul Iman Pesik, Iren Meiske Pudjiastuti, Nunuk Pujiastuti, Nunuk Purnamasari, Eva Raharjo Eko Jarot Rahayu Lestari Rahmadhani Setyo Budiono Rahmasari, Anggraeni Rahmasari, Anggraeni Rahmayani, Putri Rendy Bima Samudra Resti Hardini Retno Ayu W. Rizal Wildan Putra Rizky Nugraha Baqi Rokhmad Fadhlul Wafi Rokhmad Fadhlul Wafi Rosa Khurrotin Rosalia, Olyvia Sandy, Muhammad Fahrul Sania Yuni Prameswari Sasono, Heri Sayyid, Mokhtar Sesario, Revi Setyarti, Eryana Sheylla Akseleria Wijaya Siswati, Endang Siti Nafiah Siti Nurul Asyiyah Siti Rosyafah, Siti Sri Wahyuni Rochmawati Sunaring Nizafatmala Firdhausa Susi Tri Wahyuni Susi Tri Wahyuni Sutaguna, I Nyoman Tri Thariq Abdurrahman Tri Lestari Veltinia Damayanti Wawan Purwanto WINARNO Wulandari, Endang Yustika Pretty Andaresta