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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 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 Journal of Economics and Social Sciences 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
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

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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 | DOI: 10.64118/jei.v1i1.63

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.
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 Influence of Electoral Oversight Management Factors on Public Perception through Public Trust in the 2024 Simultaneous Elections in Ngawi Regency Anita Setia Mega Putri; Muslichah Erma Widiana; Nurul Qomari; Juliani Pudjowati
Journal of Economics and Social Sciences (JESS) Vol. 5 No. 1 (2026)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.1370

Abstract

Electoral oversight plays a crucial role in safeguarding electoral integrity and strengthening democratic legitimacy, particularly in emerging democracies where public trust in electoral institutions remains a central challenge. This study aims to examine how electoral oversight management influences public perception through the mediating role of public trust in the 2024 Simultaneous Elections in Ngawi Regency, Indonesia. Employing a quantitative explanatory research design, the study analyzed the effects of four dimensions of electoral oversight management—planning, organizing, implementation, and evaluation—on public trust and public perception. Data were collected from 400 registered voters selected through proportional stratified random sampling and analyzed using Structural Equation Modeling with Partial Least Squares (SEM-PLS). The findings reveal that electoral oversight organizing has a direct and significant effect on public perception, while planning, implementation, and evaluation do not exert significant direct effects. However, organizing, implementation, and evaluation significantly influence public trust, whereas planning does not. Public trust is found to have a positive and significant effect on public perception and serves as a mediating variable in the relationships between organizing, implementation, and evaluation of oversight and public perception. Conversely, public trust does not mediate the relationship between oversight planning and public perception. These results indicate that public perception of electoral oversight is shaped primarily by oversight practices that are visible, organized, accountable, and directly experienced by the public, with public trust functioning as the key mechanism linking oversight performance to societal evaluations. The study contributes to the literature on electoral governance by highlighting the strategic role of public trust in translating managerial performance into positive public perception at the local level.
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 Setyarti, Eryana; Pudjowati, Juliani; Iman, Nurul
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 Setyarti, Eryana; Pudjowati, Juliani; Nitawati, Elly Yuniar
Journal of Economic Education and Entrepreneurship Studies Vol. 6 No. 2 (2025)
Publisher : Department of Economics Education, Faculty of Economics, Universitas Negeri Makassar

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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.
Co-Authors Abdu Fattah Abdul Fattah Abdul Fattah Achmad Syamsudin Ade Puspitasari Aini, Miftakhul Nurul Ali Ikhwan Alvianto, Dony Ammar Wicaksono Anggun Kumala Syafitri Anita Setia Mega Putri 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 Siswati Endang Wulandari Enjelita Putri Pratiwi 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 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 Muslichah Erma Widiana 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 Nurul Iman, Nurul Nurul Qomari 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 WINARNO Wulandari, Endang Yustika Pretty Andaresta