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Juliani Pudjowati
Fakultas Ekonomi Dan Bisnis, Universitas Bhayangkara Surabaya
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering 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

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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
Pengembangan Produk UMKM Minuman Tradisional Sinom “Pawon Dias” di Desa Tempel Kecamatan Krian Sidoarjo Pudjowati, Juliani; Wahyuni, Susi Tri; Setyarti, Eryana
Journal of Empowerment Indonesia Vol. 1 No. 1: Juni 2025
Publisher : PT. Sativa Publishing Group

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

Abstract

Minuman tradisional Sinom Pawon Dias merupakan produk berbasis rempah-rempah yang memiliki potensi besar untuk dikembangkan sebagai minuman kesehatan alami. Pengabdian ini bertujuan untuk menganalisis proses produksi dan strategi pemasaran yang diterapkan dalam pengembangan produk Sinom Pawon Dias. Metode pelaksanaan yang digunakan adalah pendekatan studi kasus pada UMKM produsen Sinom Pawon Dias. Data dikumpulkan melalui observasi langsung, wawancara mendalam, dan analisis dokumen terkait. Hasil menunjukkan bahwa proses produksi Sinom Pawon Dias masih mempertahankan metode tradisional dengan seleksi bahan baku berkualitas, proses perebusan yang tepat, serta pengemasan yang higienis untuk menjaga kualitas dan daya tahan produk. Strategi pemasaran yang digunakan meliputi pemasaran digital melalui media sosial, partisipasi dalam pameran produk lokal, serta kerjasama dengan reseller. Kendala utama yang dihadapi meliputi keterbatasan dalam distribusi dan persaingan pasar dengan produk serupa.
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 Endang Siswati Endang Siswati Endang Wulandari Enjelita Putri Pratiwi 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 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 Mohammad Balafif Muhammad Fahrul Sandy Muhammad Yusuf Muhammad Yusuf Murfani Umar Djalo Musriha Musriha Musriha, Musriha 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 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 Sasono, Heri Sayyid, Mokhtar Setyarti, Eryana Sheylla Akseleria Wijaya Siswati, Endang Siti Nafiah Siti Nurul Asyiyah Siti Rosyafah Siti Rosyafah 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 Wulandari, Endang Yustika Pretty Andaresta