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All Journal International Journal of Evaluation and Research in Education (IJERE) Jurnal Pendidikan Humaniora Ekuitas: Jurnal Pendidikan Ekonomi Ekonomikawan : Jurnal Ilmu Ekonomi dan Studi Pembangunan JAM : Jurnal Aplikasi Manajemen Proceeding SENDI_U Jurnal Pendidikan Ekonomi Jurnal Ekonomi dan Studi Pembangunan (Journal of Economics and Development Studies) UNEJ e-Proceeding Jurnal Pendidikan: Teori, Penelitian, dan Pengembangan Jurnal Ilmiah Pendidikan Pancasila dan Kewarganegaraan Jurnal Pendidikan Ekonomi Al Ishlah Jurnal Pendidikan Jurnal Pendidikan Ekonomi & Bisnis Jurnal Ilmiah Universitas Batanghari Jambi JURNAL MANAJEMEN CARADDE: Jurnal Pengabdian Kepada Masyarakat Jambura Economic Education Journal Perspektif Pendidikan dan Keguruan Jurnal Eduscience (JES) Jurnal Karinov EDUTEC : Journal of Education And Technology Amnesty: Jurnal Riset Perpajakan Jurnal Manajemen Pendidikan dan Ilmu Sosial (JMPIS) Agrimansion: Agribusiness Management & Extension International Journal of Economy, Education and Entrepreneurship (IJE3) Journal of Interdisciplinary Socio-Economic and Community Study Journal of Applied Business, Taxation and Economics Reseach International Journal of Humanities Education and Social Sciences TRANSAKSI Journal of Educational Analytics Literacy : International Scientific Journals of Social, Education, Humanities Transformasi: Journal of Economics and Business Management Journal Research of Social Science, Economics, and Management Jurnal Ekonomi, Bisnis dan Pendidikan (JEBP) International Journal of Education, Language, Literature, Arts, Culture, and Social Humanities Ekuitas Jurnal Pnedidikan Ekonomi Economic Development Analysis Journal International Journal of Economics, Business and Innovation Research Dinamika Pendidikan Balance: Jurnal Ekonomi Jurnal Ekonomi dan Studi Pembangunan (JESP)
Sugeng Hadi Utomo
Universitas Negeri Malang
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Analisis suku bunga, jangka waktu kredit, dan kemudahan kredit terhadap keputusan kredit UMKM Kota Malang Detria Fauziyah Pramesti; Sugeng Hadi Utomo
Jurnal Ekonomi, Bisnis dan Pendidikan (JEBP) Vol. 2 No. 5 (2022)
Publisher : Universitas Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17977/um066v2i52022p578-589

Abstract

Abstract The government positioned micro, small, and medium enterprises (MSMEs) as one of the objectives of the National Economic Recovery program through MSME loans. MSME credit distribution in Malang City has increased by up to 5.64% until the end of February 2021, significantly impacting the regional and national economy. Therefore, to encourage banking lending, there must be a synergy between financial institutions and Malang City's MSMEs. This study analyzed the effect of interest rates, credit terms, and ease of credit for credit collection decisions by MSME entrepreneurs in Malang. The population of this study was MSME entrepreneurs in Malang City who had taken credit with 100 respondents. This study uses multiple linear regression analysis as a data analysis technique. It was found that individuals had a significant positive effect between the variable rate of interest rates and ease of credit on the MSME loan decision. At the same time, the credit term has no significant effect on MSME entrepreneurs’ decision to take credit. The results of the interest rate variable test, credit term, and ease of credit simultaneously significantly influence MSME credit collection decisions in Malang. Abstrak Pemerintah menjadikan Usaha Mikro, Kecil dan Menengah (UMKM) sebagai salah satu tujuan program pemulihan ekonomi nasional melalui penyaluran kredit UMKM. Penyaluran kredit UMKM di Kota Malang mengalami kenaikan tren hingga 5,64% sampai akhir februari 2021, yang berdampak cukup besar terhadap perekonomian daerah dan nasional. Oleh sebab itu guna mendorong penyaluran kredit perbankan ini tentu harus ada sinergi baik dari lembaga keuangan dan UMKM Kota Malang. Tujuan dari penelitian ini adalah untuk menganalisis pengaruh tingkat suku bunga, jangka waktu kredit, dan kemudahan kredit terhadap keputusan pengambilan kredit oleh pengusaha UMKM di Kota Malang. Populasi penelitian ini adalah wirausaha UMKM di Kota Malang yang telah mengambil kredit dengan jumlah responden sebanyak 100 orang. Penelitian ini menggunakan analisis regresi linier berganda sebagai teknik analisis data. Didapatkan hasil bahwa secara individu terdapat pengaruh positif signifikan antara variabel tingkat suku bunga dan kemudahan kredit terhadap keputusan pengambilan kredit UMKM. Sedangkan jangka waktu kredit tidak berpengaruh signifikan terhadap keputusan mengambil kredit. Hasil pengujian variabel suku bunga, jangka waktu kredit, dan kemudahan kredit secara simultan berpengaruh signifikan terhadap keputusan pengambilan kredit UMKM di Kota Malang.
Pengembangan Pembelajaran Ekonomi Berbasis Nilai Pancasila dan Nilai Budaya Lokal Polamolo, Cristian; Wahjoedi, Wahjoedi; Soetjipto, Budi Eko; Utomo, Sugeng Hadi
Jurnal Ilmiah Pendidikan Pancasila dan Kewarganegaraan Vol 8, No 2 (2023): Juli 2023
Publisher : Universitas Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17977/um019v8i2p179-190

Abstract

The design of economic learning based on pancasila values and local cultural values to improve students’ knowledge, attitudes and economic behavior is the objective in this study. This type of research uses design-based research (DBR), through cooperative learning with the type of student teams achievement division (STAD). The collection of research data was carried out by essay tests, questionnaires and interviews with high school students as respondents. Feasibility testing of product design is validated by experts from State University of Malang, Indonesia including: learning design experts, economic materials, local culture and practitioners. Based on the analysis of factual models, it was found that current economic learning practices have not improved students’ knowledge, attitudes and behavior. The results of validation and testing of learning design prototypes are declared very useful and feasible to be implemented in economic learning in high schools. The results of the study show that economic learning design based on Pancasila values and local cultural values can improve knowledge, attitudes and economic behavior based on the nation’s ideology. This study can contribute to educational institutions in developing economic learning programs based on the nation’s ideology.
Analysis of System Performance and Public Transportation Services of Trans Metro Dewata Bali Bus Rapid Transit (BRT) on Public Interest in Bali Province Prihatini, Hikmah Tri; Mukhlis, Imam; Utomo, Sugeng Hadi Utomo
Journal of Applied Business, Taxation and Economics Research Vol. 4 No. 1 (2024): October 2024
Publisher : PT. EQUATOR SINAR AKADEMIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54408/jabter.v4i1.324

Abstract

This study analyzes the influence of various factors (safety, security, comfort, affordability, equality, and order) on interest in using the Trans Metro Dewata Bali Bus Rapid Transit as a mode of public transportation in Bali. This research uses quantitative descriptive method with primary and secondary data collection and questionnaire distribution. Determination of the sample using the slovin formula with simple random sampling technique distributed to the Balinese people with a total of 100 samples. Testing the feasibility of the research instrument using the validity test calculated in the SPSS program. The results showed that the variables together had a significant influence on interest in using the system, with an R Square value of 0.368, indicating that 36.8% of the variance in interest could be explained by these factors. However, 63.2% of the variance is influenced by other variables not included in this study
The Influence of Green Intellectual Capital on Sustainable SMEs Styaningrum, Farida; Wahjoedi, Wahjoedi; Utomo, Sugeng Hadi; Mukhlis, Imam; Sulistyowati, Nur Wahyuning; Fuat’dah, Devit Anisatul; Nugrahaningtyas, Andien; Qofifah, Salmaa Nur
Jurnal Pendidikan Ekonomi Dan Bisnis (JPEB) Vol. 11 No. 02 (2023): Jurnal Pendidikan Ekonomi & Bisnis (DOAJ & SINTA 2 Indexed)
Publisher : Faculty of Economics, Universitas Negeri Indonesia,Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/JPEB.011.2.3

Abstract

Environmental degradation is a global issue that invites attention from various groups, including small and medium enterprises (SMEs). To preserve the environment and build a sustainable business, it is necessary to optimize environmentally friendly resources. Green intellectual capital, which includes green human capital, green structural capital, and green relational capital, can be practiced by SMEs in maintaining sustainable business. The research aims to empirically prove the influence of green intellectual capital on sustainable SMEs. The research adopted a quantitative method with a self-administered survey. The research sample consisted of 157 respondents who were SMEs in Madiun of Indonesia. Furthermore, the data were analyzed using Smart-PLS 3.0 to prove the hypothesis. The results show that green human capital and green relational capital do not have a significant influence on sustainable SMEs. Meanwhile, green structural capital has a significant influence on sustainable SMEs. This implies that SMEs must pay attention to the internal organizational management system in practicing environmentally businesses.
The Influence of Entrepreneurship Education and Business Mentoring on the Success of People-Centric Economic MSMEs in Nganjuk Regency Pamungkas, Farel Ilham; Utomo, Sugeng Hadi; Rahmawati, Farida; Sumanto, Agus
EDUTEC : Journal of Education And Technology Vol 8 No 3 (2025): March 2025
Publisher : STAI Miftahul Ula Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29062/edu.v8i3.1128

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in Indonesia's economy, but still face challenges in terms of human resource capacity and technology adoption. This research aims to analyze the influence of entrepreneurship education and business mentoring on the success of community-based micro, small, and medium enterprises (MSMEs) in Nganjuk Regency. Using a quantitative approach with the stratified random sampling technique, this research involves 196 MSMEs as respondents. Data were analyzed using multiple linear regression. The research results show that entrepreneurship education (β=0.338) and business mentoring (β=0.425) have a positive and significant impact on the success of MSMEs, both partially and simultaneously (R²=0.394). These findings imply the importance of integrating entrepreneurship education programs and business mentoring in efforts to develop community-based MSMEs.
Lifestyle Pathways: How Family, Peers, and Social Media Shape Adolescent Consumer Behavior Wulandari, Ela; Utomo, Sugeng Hadi; Rokhmani, Lisa
Dinamika Pendidikan Vol. 20 No. 1 (2025)
Publisher : Economics Education Department Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/dp.v20i1.24666

Abstract

This study investigates the predictive relationships between social and psychological factors, namely, family economic education, peer conformity, social media, and adolescent consumer behavior, with lifestyle as a mediating variable. Employing a quantitative research design, data were collected from 400 adolescents in Semarang City, Indonesia. The analysis was conducted using PLS-SEM, which is suitable for prediction-oriented models and mediation testing. The results indicate that social media exerts the most decisive influence on adolescents’ lifestyle, significantly affecting consumer behavior. Lifestyle was confirmed as a key mediator, transmitting the influence of all three predictors to actual consumption behavior. Family economic education emerged as the most influential factor in directly shaping rational and responsible consumption behavior, whereas social media was the dominant force in shaping lifestyle patterns. These findings highlight the dual role of socialization agents: media as a digital lifestyle influencer, and the family as a foundational source of economic values and decision-making skills. The study suggests that educational institutions, families, and communities should collaborate to promote financial literacy and responsible lifestyle choices through social media platforms. Moreover, integrating educational influencers should strategically guide youth toward sustainable and informed consumption behaviors.
Kebijakan Pemerintah Indonesia Bagi Stabilitas Perekonomian Pada Saat Covid-19 Na'ima, Akbarti; Imam Mukhlis; Sugeng Hadi Utomo
Transformasi: Journal of Economics and Business Management Vol. 1 No. 4 (2022): December: Journal of Economics and Business Management
Publisher : Universitas 17 Agustus 1945 Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/transformasi.v1i4.237

Abstract

At the end of 2019 towards the beginning of 2020, the world was shaken by a virus known as Coronavirus Disease (covid-19). The Covid-19 pandemic began in the city of Wuhan, Hubei Province, China and then spread to 200 countries, impacting various sectors of the global economy. Fighting this virus requires strategies and policies to regulate the economy. This article describes the Indonesian Government's Policy for Preeconomic Stability During Covid-19. The research method used is descriptive qualitative in the form of literature studies or what is known as review literature. The results of this study show that although various policies carried out by the Indonesian government are appropriate, in their implementation, further steps are still needed to maintain the stability of the Indonesian economy.
The Effect of the Gallery Walk Cooperative Learning Model on Learning Outcomes in Economics Lessons Nadiminsyah; Wahjoedi; Utomo, Sugeng Hadi
Journal of Educational Analytics Vol. 3 No. 1 (2024): February 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/jeda.v3i1.7489

Abstract

Cooperative learning is different from other learning. The difference can be seen from the learning process which emphasizes the process of cooperation in groups. The goal to be achieved is not only academic ability in terms of mastery of learning materials but also the element of cooperation to master the material. The existence of this cooperation is what characterizes Cooperative learning. This study aims to analyze student learning outcomes in economic subjects. The sample of this research is class X students of SMA Negeri 1 Madapangga. The instruments to be used in this research are tests, observation sheets, documentation, and questionnaires. Data analysis techniques used in this research are descriptive statistical analysis techniques and inferential statistical analysis techniques that aim to examine the research variables. The results concluded that the application of the gallery walk-type cooperative learning model to student learning outcomes in economic subjects had a significant and positive influence, with the contribution of variable x to variable y amounting to 61.2%.
Strategi Pengembangan UMKM di Masa Pemulihan Pasca Pandemi Covid-19 (Studi Kasus CV. Kreasi Pangan Kita) Pangestu, Fajar Puja; Utomo, Sugeng Hadi
Jurnal Ilmiah Universitas Batanghari Jambi Vol 24, No 1 (2024): Februari
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/jiubj.v24i1.4638

Abstract

MSMEs have a very important role in the Indonesian economic system. The important role of MSMEs in the lives of Indonesian people includes reducing unemployment, stabilizing the economy of the entire region, and having an influence on the national foreign exchange market. Currently, the development of MSMEs in Indonesia continues to grow rapidly. However, in the midst of the development of MSMEs, Covid-19 emerged which hampered the development of all sectors, including MSMEs. In this regard, the aim of this research is to determine the effectiveness of MSME development strategies after the Covid-19 pandemic, where in this research samples were taken from CV. Our Food Creations. The research method used is qualitative type with descriptive analysis. The approach used is a case study approach. Then, data collection techniques for primary data are through observation, interviews and documentation carried out directly, while for secondary data through the MSME website. The data testing process uses the IFAS (Internal Factor Analysis Strategic) and EFAS (External Factor Analysis Strategic) analysis methods which are combined or matched with the creation of SWOT diagrams and tables. The results obtained are that there are 18 alternative growth-oriented development strategies, so that CV. Kreasi Pangan Kita has a good opportunity to develop its business after the Covid-19 pandemic.
The Effect Income, Labor, dan Information Technology On Income During The COVID-19 Pandemic (Study at Coffee Shop in Surakarta) Andisa, Wangi Rizky; Utomo, Sugeng Hadi
Jurnal Ekonomi Balance Vol. 18 No. 2 (2022): Desember 2022
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v18i2.9603

Abstract

The COVID-19 pandemic has caused significant changes to human life. Especially in communication between fellow humans who cannot meet face to face and there are many alternatives, especially in this digital era. The sector that is most affected is the creative economy sector in the food and beverages sector, in which there is a Coffee Shop. Coffee Shop can be said a new trend amoung young people and adults. Starting from as a gathering place, doing assigments, to meteengs, up to many who are interested in opening a Coffee Shop. Of course, what is interesting is the income obtained. So we want to know the factors that affect Income. The case study was conducted at a Coffee Shop in Surakarta with multiple linear regression analysis. The sample used is 34 samples with data collection technique is Simple Random Sampling. It was conclude that Labor and Information Technology had a significant effect on Income while Capital had no significant effect on Income.
Co-Authors Abbas, Muhammad Hasyim Ibnu Adinda, Itroh Agung Haryono Agung Nugroho Agus Hermawan Agus Saifuddin Agus Sumanto Agus Sumanto Agus Wibowo Aida Nurcholida Akbarti Na'ima Akhmad Syafi’i Andika Nikita Sari Andisa, Wangi Rizky Andri Eko Prabowo Anisa Retno Setyaningsih Arif Amrullah Arista Elok Dwi Rangga Ashif Chumaida Sari Ayu Kammawati Bagus Shandy Narmaditya Bambang Sugeng Budi Eko Soetjipto Cipto Wardoyo Cristian Polamolo Delta Ananda Arga Putra Detria Fauziyah Pramesti Dian Fatmala Diandra Locita Sari Djoko Dwi Kusumojanto Dwi Wulandari Dwi Wulandari Eka Ramadanti Elanna Heidi Christanti Emma Yunika Puspasari Eny Eko Sulistyowati Ermita Yusida Ery Tri Djatmika Etty Soesilowati Farel Ilham Pamungkas Farida Rahmawati Farida Rahmawati Farida Styaningrum Fera Wulandari Fuat’dah, Devit Anisatul Hadi Sumarsono Hari Wahyono Imam Mukhlis Kholidya Khulafaur Rosidah Khuzaimah, Rizka Binti Linda Seprillina Lisa Rokhmani Ludi Wishnu Wardana Lustina Fajar Prastiwi Lutfi Asnan Qodri Martha Hendrati, Ignatia Meilysianawati, Vaya Metha Eldiana Mit Witjaksono Mufinna Fauziyah Na'ima, Akbarti Nadiminsyah Nasikh Nasikh Nasikh Nisa Nuraini Surasa Nugrahaningtyas, Andien Nunuk Suryanti Nurhuda Nurhuda Oktavia Nardiani Özlem Sökmen Gürçam Pamungkas, Farel Ilham Pangestu, Fajar Puja Prihatini, Hikmah Tri Qofifah, Salmaa Nur Qurrata, Vika Annisa Rahma Sandhi Prahara Remond Joey Paywala Romadhini, Shofi Ana Santi Merlinda Sapir Sapir Sari, Ashif Chumaida Sari, Diandra Locita Sidi Muhammad Muadz dzin Asis Hawaya Sidi Muhammad Muadz-dzin Asis Hawaya Siti Muslihah Siti Suprihatin Sri Umi Mintarti Sulistyowati, Nur Wahyuning Sunaryanto Tamat Sarmidi Taufiq Hidayat Thomas Soseco Tri Mianto Dion Prasetiyo Tu Rifton Bagus Priyambada Vidya Purnamasari Wahjoedi Wahjoedi Wahjoedi Wahjoedi Wahyu Rizki Aris Suseno Winda Aprillia Wulandari, Ela Yuli Soesetyo, Yuli