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Effect of Transaction Security, Reputation, Legality and Ease of Use of Digital Payments Meilysianawati, Vaya; 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.v18i2.9613

Abstract

In essence, digital payments or electronic payments are payments made electronically, in electronic payment systems for money storage, money processing is received in the form of digital information and the transfer method is initialized through digital payment instruments. This digital payment is a server-based or chip-based payment. This digital payment has been increasingly used since 2020 until now due to the Covid-19 virus. This study aims to determine the impact of transaction security, reputation, legality and ease of use on digital payments (electronic payments). The research method used is quantitative with multiple linear regression model data analysis methods with SPSS 25 data processing application processing. The data used in this study is primary data from questionnaire collection with a Likert calculation scale with a total of 67 respondents. The results of this study indicate that the transaction security variable and the convenience variable have a positive and significant effect, while the reputation and legality variables have no insignificant but positive effect. Taken together, ease of transaction, reputation, legality and convenience have a positive and significant impact on the use of digital payments (electronic payments).
Digitalization of Coconut Sugar MSME as an Effort to Local Economic Development Khuzaimah, Rizka Binti; Utomo, Sugeng Hadi
Jurnal Ekonomi Balance Vol. 19 No. 1 (2023): June 2023
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v19i1.11121

Abstract

The rapid development of technology requires business actors to adapt quickly to survive, including MSME actors. Through a descriptive qualitative approach, the research aims to explain, present, and analyze the role of digitalization in coconut sugar MSME to develop the local economy. This type of research data is in the form of primary data obtained from observation, interviews, and documentation, as well as secondary data obtained from previous literature on related topics. Sampling using purposive sampling, with informants of coconut sugar MSME owners, local communities, and local governments. The results of this study found that the strategy in the use of technology and the use of government empowerment programs have a significant influence on the development of MSME in coconut sugar in Dayu Village, especially in terms of digitalization strategies. However, the reality is that in the field, only one coconut sugar MSME in Dayu Village has digitalized technology, so the role of the government in empowerment still needs to be improved.Adha, L. A. (2020). Digitalisasi Industri Dan Pengaruhnya Terhadap Ketenagakerjaan Dan Hubungan Kerja Di Indonesia. Jurnal Kompilasi Hukum, 5(2), 267-298. Badan Pusat Statistik. (2020). Indikator Kinerja. Diakses pada 16 Desember 2021 melalui https://data.blitarkab.go.id/indikator_kinerja.  Badan Pusat Statistik. (2020). Laju Pertumbuhan PDRB Kabupaten Blitar. Diakses pada 17 November 2021 melalui https://blitarkab.bps.go.id/indicator/52/40/1/-seri-2010-laju-pertumbuhan-pdrb-kabupaten-blitar-atas-dasar-harga-konstan-2010-menurut-pengeluaran-.html.  Baderi, Firdaus. (2020). Sektor UMKM, Penopang Perekonomian Pasca Covid -19. Diakses pada 21 September 2021 melalui https://www.neraca.co.id/article/134525/sektor-umkm-penopang-perekonomian-pasca-covid-19.  Cahyani, F. G., & Sitohang, S. (2016). Pengaruh kualitas produk, kualitas pelayanan dan harga terhadap kepuasan konsumen. Jurnal Ilmu dan Riset Manajemen (JIRM), 5(3). Deloitte. (2015). UKM Pemicu Kemajuan Indonesia: Instrument Pertumbuhan Nusantara. Deloitte Access Economics : Australia.  Feriyanto, N. (2018). Determinants of Unemployment in Regency/City in Special Province Yogyakarta. European Research Studies Journal, XXI(3), 367–380. https://doi.org/10.35808/ersj/1388  Feriyanto, N. (2019). The Effect of The Quality of Human Development Factors on The Rate of Economic Growth In Yogyakarta Special Province. International Journal for Quality Research, 13(1), 157-176. Ghobakhloo, M., Sabouri, M.S., Hong, T.S., Zulkifli, N. (2011). Information Technology Adoption in Small and Medium-sized Enterprises; An appraisal of two literature. Interdisciplinary Journal of Research in Business, 1 (7), pp. 53-80 Hamid, E. S., & Susilo, Y. (2011). 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Diakses pada 22 Desember 2021 melalui https://swa.co.id/swa/csr-corner/yuswohady-ukm-harus-manfaatkan-perkembangan-digital.  Nasution, E. Y., & Indria, T. (2021). Digitalisasi Umkm Di Masa Pandemi. In Prosiding Seminar Nasional Kewirausahaan (Vol. 2, No. 1). Pinem, D., Pusporini, P., & Masnuna, M. (2022). Digitalisasi Manajemen Pada Usaha Kecil Dan Menengah (UMKM) Di Depok Jawa Barat. IKRA-ITH ABDIMAS, 5(1), 172-183. Polnaya, G. A., & Darwanto, D. (2015). Pengembangan ekonomi lokal untuk meningkatkan daya saing pada ukm ekonomi kreatif batik bakaran di pati, jawa tengah. Jurnal Bisnis dan Ekonomi, 22(1). Purwana, D., Rahmi, & Aditya, S. (2017). Pemanfaatan Digital Marketing Bagi Usaha Mikro, Kecil, dan Menengah (UMKM) Di Kelurahan Malaka Sari, Duren Sawit. Jurnal Pemberdayaan Masyarakat Madani (JPPM) 1(1): 1 – 17 Sinaga, A. A. P. (2017). Faktor-faktor yang Mempengaruhi Pengembangan Ekonomi Lokal (Pel) di Kota Medan (Studi Kasus USAha Kecil dan Menengah sebagai Sektor Basis). 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The Influence of Entrepreneurship Education and Business Mentoring on the Success of People-Centric Economic MSMEs in Nganjuk Regency Farel Ilham Pamungkas; Sugeng Hadi Utomo; Farida Rahmawati; Agus Sumanto
EDUTEC : Journal of Education And Technology Vol. 8 No. 2 (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 (?=0.338) and business mentoring (?=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.
Pengaruh Literasi Keuangan, Literasi Ekonomi, dan Financial Self-Efficacy terhadap Keputusan Investasi Digital melalui Perilaku Keuangan sebagai Variabel Intervening (Studi pada Pekerja Freelance Generasi Z di Jawa Timur) Metha Eldiana; Ery Tri Djatmika; Sugeng Hadi Utomo
Jurnal Manajemen Pendidikan dan Ilmu Sosial Vol. 7 No. 1 (2025): Jurnal Manajemen Pendidikan dan Ilmu Sosial (Desember 2025 - Januari 2026)
Publisher : Dinasti Review

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jmpis.v7i1.6917

Abstract

Penelitian ini menganalisis pengaruh literasi keuangan, literasi ekonomi, dan financial self-efficacy terhadap keputusan investasi digital dengan perilaku keuangan sebagai variabel mediasi pada pekerja freelance Generasi Z di Jawa Timur. Pendekatan penelitian yang digunakan adalah kuantitatif dengan metode explanatory research. Analisis data dilakukan menggunakan teknik Partial Least Squares–Structural Equation Modeling (PLS-SEM). Sampel penelitian berjumlah 385 responden yang merupakan pekerja lepas berusia 20–28 tahun, dipilih menggunakan teknik purposive sampling. Hasil analisis menunjukkan bahwa perilaku keuangan berpengaruh positif dan signifikan terhadap keputusan investasi digital. Selain itu, financial self-efficacy dan literasi ekonomi juga memberikan pengaruh positif dan signifikan terhadap keputusan investasi digital. Sementara itu, literasi keuangan tidak berpengaruh langsung, tetapi memberikan pengaruh tidak langsung melalui perilaku keuangan. Temuan ini mengindikasikan bahwa literasi keuangan membentuk perilaku keuangan yang lebih baik, sehingga meningkatkan kemampuan individu dalam mengambil keputusan investasi digital. Implikasi hasil penelitian ini menegaskan perlunya peningkatan pendidikan keuangan serta keterampilan pengelolaan keuangan digital untuk mendorong perilaku investasi.
MODEL RANTAI PASOK DAN RANTAI NILAI JAMBU KRISTAL PT KREASI TANI BUMIAJI KOTA BATU Adinda, Itroh; Soesilowati, Etty; Utomo, Sugeng Hadi
JURNAL AGRIMANSION Vol 26 No 3 (2025): Jurnal Agrimansion Desember 2025
Publisher : Jurusan Sosial Ekonomi Pertanian Fakultas Pertanian Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/agrimansion.v26i3.1993

Abstract

This study aims to analyze the structure and mechanism of the supply chain and value chain of the crystal guava commodity at PT Kreasi Tani Bumiaji in Kota Batu using a mixed-method approach. The study encompasses mapping the flows of products, information, and finance, as well as analyzing marketing margins and farmer’s share as indicators of efficiency and value distribution along the supply chain. The findings reveal that the supply chain operates in an organized and efficient manner with active involvement from partner farmers, PT Kreasi Tani BumiAji, modern retail, and cooperatives. Marketing margins and farmer’s share are influenced by the length of the distribution channels and the complexity of the marketing network. Product diversification strategies through processing into processed products effectively address the issue of excess supply and enhance added value. These findings underscore the importance of integrated supply chain and value chain management in supporting the competitiveness of horticultural products while improving the welfare of partner farmers.
FINANCIAL SOCIALIZATION AMONG GENERATION Z: HOW CHILDREN OF MILLENNIAL PARENTS INTERNALIZE MONEY VALUES Hidayat, Taufiq; Wahjoedi, Wahjoedi; Wahyono, Hari; Utomo, Sugeng Hadi
JURNAL EDUSCIENCE Vol 13, No 1 (2026): Jurnal Eduscience (JES), (Authors from Australia, Taiwan, and Indonesia)
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jes.v13i1.8403

Abstract

Purpose – This study aims to explore how Generation Z in East Java interprets and internalises financial values transmitted by millennial parents amid the dominance of digital technology and social media. Specifically, it examines how family financial teachings are renegotiated in the context of digital algorithms, peers, and contemporary consumer culture.Methodology – A qualitative phenomenological approach was employed to explore Gen Z's lived experiences of financial socialization. Data were gathered through semi-structured interviews with 25 Gen Z individuals and several millennial parents. Interpretative Phenomenological Analysis (IPA) was used to generate themes and interpret meaning-making processes across cases.Findings – Four primary themes were discerned: (1) parental modeling, wherein daily financial routines cultivated prudence and budgeting skills; (2) financial conversations, characterized by dialogic negotiation that promoted reasoning and deferred gratification; (3) digital finance negotiation, where participants integrated parental norms with fintech practices, resulting in hybrid financial values; and (4) identity and social comparison, illustrating the tensions between familial values and social media-induced lifestyle pressures.Contribution – Financial value internalization among Indonesian Gen Z is both intergenerational and sociotechnical. The findings point out the need for financial education that integrates digital literacy, awareness of algorithmic influence, and strategies to manage social comparison pressures.
Poverty and Food Security: a reality in ASEAN countries Imam Mukhlis; Ignatia Martha Hendrati; Özlem Sökmen Gürçam; Sugeng Hadi Utomo
Jurnal Ekonomi dan Studi Pembangunan Vol 13, No 1 (2021)
Publisher : Universitas Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17977/um002v13i12021p001

Abstract

This study aims to analyze the linkages of food security,food price index,economic growth,agriculture sector and population living below the poverty line in several ASEAN countries. ASEAN countries that became the objects of this study included Indonesia,Malaysia, Philippines, Thailand, Cambodia and Myanmar. The data used in the study were data from the period 2012-2017. These data included percentage of population living below the poverty line, food security index, food price index, contribution of agricultural sector to gross domestic product,economic growth rate and population. These data are available in the Asian Development Bank publication. Data analysis method used was panel data with least square method.  The results of this study concluded that food security rate, economic growth, and contribution of the agricultural sector to gross domestic product have a significant but negative impact on poverty rates. Meanwhile, the population had a positive and significant impact on poverty rates in various ASEAN countries.
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