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All Journal Jurnal Administrasi Bisnis Jurnal Ilmu Administrasi Bisnis Journal of Education and Learning (EduLearn) Jurnal Ilmu Komunikasi Jurnal Administrasi Bisnis (JABis) Paradigma: Jurnal Masalah Sosial, Politik, dan Kebijakan Journal of Enterprise and Development (JED) Tepis Wiring : Jurnal Pengabdian Masyarakat Dharma: Jurnal Pengabdian Masyarakat Jurnal Pengabdian Masyarakat Bangsa Jurnal AGRISEP: Kajian Masalah Sosial Ekonomi Pertanian dan Agribisnis
Nurul Retno Hapsari
Administrasi Bisnis, Univeritas Pembangunan Nasional Veteran Yogyakarta, Indonesia
Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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Financial Navigation: Building Generation Z Literacy through Learning Channels Mu’afi, Muhammad Irfan; Hapsari, Nurul Retno; Amalia, Tazkia; Jesie, Titan Aprista
Jurnal Ilmu Komunikasi Vol 23 No 1 (2025): April (2025)
Publisher : Univeritas Pembangunan Nasional "Veteran" Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31315/jik.v23i1.14790

Abstract

This research aims to explore the role of learning channels in enhancing financial literacy among Generation Z. Given the increasingly complex financial challenges in the digital era, financial literacy is becoming an essential skill to possess. This study employs a quantitative approach using questionnaires with active university students from the 2019-2022 cohorts aged 18-22 years as research subjects. The learning channels used as indicators in this study are: family / friends, social media, formal education, influencers, investment apps, and non-formal education. The data obtained were analyzed using Smart-PLS. The results of this study indicate that learning channels with the indicators of family, social media, formal education, and investment apps have a significant impact on financial literacy, whereas influencers and non-formal education do not significantly affect financial literacy. These findings suggest that financial literacy among Generation Z can be effectively improved through structured and relevant learning channels, particularly those integrated into daily life and formal education settings.
Navigating sustainable competitive advantage: social and technological challenges and open innovation in creative economy-based traditional markets Hapsari, Nurul Retno; Zaki, Ahmad; Soewardi, Tiara Juniar
Journal of Enterprise and Development (JED) Vol. 6 No. 1 (2024): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v6i1.8699

Abstract

Purpose — Innovation and technology introduce businesses to uncertain conditions, necessitating a focus on enhancing competitiveness. This research aims to investigate the impact of social and technological challenges, as well as open innovation, on the sustainable competitive advantage of a creative economy-based traditional market.Method — This study employs a quantitative approach by distributing questionnaires to 100 MSMEs in Yogyakarta traditional markets. The Partial Least Squares-Structural Equation Modeling (PLS-SEM) was utilized to analyze the effects.Result — The results indicate that social and technological challenges contribute to a sustainable competitive advantage. However, open innovation does not significantly influence the enhancement of a sustainable competitive advantage.Practical implications  — The study suggests that the government should support MSMEs in addressing technological disruption by offering digital training to expand their market reach.
INISIASI PENDAMPINGAN DAN IDENTIFIKASI PERMASALAHAN KELOMPOK USAHA TANI HUTAN PROHUTANI TAWANGMANGU KARANGANYAR Dewanti, Ida Susi; Tjahjanti, Rosalia Dwi Fadma; Wulandari, Asih Marini; Zaki, Ahmad; Hapsari, Nurul Retno
Dharma: Jurnal Pengabdian Masyarakat Vol. 5 No. 1 (2024): Mei
Publisher : Universitas Pembangunan Nasional "Veteran" Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31315/dlppm.v5i1.12372

Abstract

This community service was conducted by lecturers from the Business Administration Department, Universitas Pembangunan Nasional Veteran Yogyakarta, aimed at identifying and assisting the Forest Farming Business Group ProHutani in Tawangmangu, Karanganyar, Central Java. The team mapped out problems and analyzed the situation of the coffee farming business group, identifying issues such as capital, production capacity, business management, and product marketing. The activities were carried out in several stages, including lectures, discussions, and direct interviews with business actors. The identification results indicated the need for training in coffee cultivation, business management, licensing, and marketing. This community service successfully identified several solutions and follow-up steps for the further development of this business group. 
ANALISIS PERTUMBUHAN DIGITAL ENTREPRENEURSHIP STARTUP FINTECH PADA SEGMENTASI PRODUK STUDENT LOAN INDONESIA Zaki, Ahmad; Hapsari, Nurul Retno; Koraag, Satrio Tegar Gunung; Mu'afi, Muhammad Irfan; Rahmawati, Keny
Jurnal Paradigma Vol 27 No 1 (2023): January 2023
Publisher : Fakultas Ilmu Sosial dan Ilmu Politik UPN "Veteran" Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31315/paradigma.v27i1.8991

Abstract

AbstrakEra digital memungkinkan pertumbuhan digital entrepreneurship yang merambah segala bidang termasuk dalam bidang pendanaan peer to peer landing. Pertumbuhan ini bisa dilihat dari tumbuhnya startup financial technologi yang membuat segmentasi produk student loan di indonesia. Penelitian ini meneliti faktor-faktor yang membuat pertumbuhan fintech dengan segmentasi produk student loan tumbuh di Indonesia. Penelitian ini termasuk jenis penelitian studi literatur dengan mencari referensi teori yang relevan dengan kasus atau permasalahan yang ditemukan. Studi literatur adalah cara yang dipakai untuk menghimpun data atau sumber-sumber yang berhubungan dengan topik yang diangkat dalam suatu penelitian. Hasil penelitian menemukan bahwa faktor-faktor tersebut adalah peningkatan biaya pendidikan, perubahan model bisnis, faktor kebutuhan pengguna, dan faktor peluang usaha.  
Budaya Jawa dan Kewirausahaan Perempuan Hapsari, Nurul Retno; Mua'fi, Muhammad Irfan; Koorag, Satrio Tegar Gunung
Jurnal Paradigma Vol 27 No 2 (2023): July 2023
Publisher : Fakultas Ilmu Sosial dan Ilmu Politik UPN "Veteran" Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31315/paradigma.v27i2.10099

Abstract

Tren kewirausahaan perempuan terus meningkat, terutama dalam sektor usaha mikro, kecil, dan menengah (UMKM). Namun, isu budaya dalam perspektif gender masih menjadi kendala bagi perempuan untuk mengelola bisnis di beberapa wilayah. Penelitian ini dilakukan untuk menguji pengaruh antara budaya jawa dan orientasi kewirausahaan perempuan. Berdasarkan data dari 100 pengusaha perempuan UMKM Kota Semarang yang dianalisis dengan menggunakan SPSS, hasil studi menunjukkan bahwa budaya jawa berpengaruh terhadap orientasi kewirausahaan perempuan. Perempuan jawa pada era modern mampu mengembangkan potensi diri di ruang publik. Partisipasi mereka didukung oleh keluarga untuk menggeluti dunia bisnis. 
When Social Responsibility Trascends Differences: Interactivity, Customer Co-Creation, and Perceived Value during a Boycott Hapsari, Nurul Retno; Sagita, Virginia Ayu; Abadi, Medi Trilaksono Dwi; Dewanti, Ida Susi; Wijayanti, Dewi Mukti
Jurnal Paradigma Vol 30 No 1 (2026): January 2026
Publisher : Fakultas Ilmu Sosial dan Ilmu Politik UPN "Veteran" Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31315/paradigma.v30i1.16457

Abstract

Interactivity in corporate social responsibility (CSR) is a significant catalyst for customer involvement, however, its role in sustaining brand value under socio-political pressure, such as boycott movements and across religious groups remains underexplored. This study examines the impact of perceived CSR interactivity on customer brand co-creation behavior (CBCB) and perceived value in the context of the Boycott, Divestment, and Sanctions (BDS) movement against Starbucks, while assessing potential differences between Muslim and Christian consumers. A quantitative approach was applied using PLS-SEM to test direct and indirect effects, alongside Multi-Group Analysis (MGA) to evaluate cross-religious responses. Data were collected from 110 Starbucks customers through online surveys using non-probability sampling. The result indicate that perceived CSR interactivity positively CBCB, which in turn enhances perceived value, confirming the mediating role of co-creation behavior. MGA reveals no significant differences between Muslim and Christian customers, suggesting that interactive CSR grounded in universal social values operates consistently across religious groups. Theoretically, this study extends Service-Dominant Logic by demonstrating that value co-creation through interactive CSR remains effective in crisis context characterized by boycott pressure. Businesses are therefore encouraged to design inclusive and interactive CSR initiatives to strengthen customer engagement and sustain brand value during reputational challenges.
Green Choices in E-Commerce: Understanding Consumer Willingness to Pay for Eco-Friendly Packaging Hapsari, Nurul Retno; Mu’afi, Muhammad Irfan; Nurchaya, Mukti Ahmad
Jurnal AGRISEP JURNAL AGRISEP VOL. 25 NO. 01 2026 (MARCH)
Publisher : Badan Penerbitan Fakultas Pertanian, Universitas Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31186/jagrisep.25.01.189-204

Abstract

This study examines consumer behavior toward adopting eco-friendly packaging in Indonesia’s e-commerce sector, contributing to the broader discourse on sustainable consumption in Indonesia. It analyzes the factors influencing consumers’ willingness to pay for eco-friendly packaging using the Sustainability Theory of Planned Behavior (STPB). The study is driven by growing environmental concerns associated with e-commerce packaging waste, particularly in emerging markets such as Indonesia, where sustainability practices are still developing. Data were collected from 236 active online shoppers through purposive sampling, and structural equation modelling (SEM) was employed to analyze the relationships among key variables. The results demonstrate the significant influence of environmental concerns on consumer attitudes and the crucial role of behavioral intention in predicting willingness to pay for eco-friendly packaging. The findings further indicate that moral and environmental values play a more prominent role than economic considerations in shaping consumer behavior. These insights underscore the importance of public awareness campaigns, improved accessibility to eco-friendly packaging, and supportive government policies. By integrating sustainability dimensions into consumer behavior models, this study advances the theoretical understanding of sustainable consumption in e-commerce and offers practical recommendations for promoting environmental responsibility in emerging markets.
Co-Authors Ahmad Zaki Akbar, Hikmatul Amalia, Tazkia Arif Hervianto Arika Bagus Perdana, Arika Bagus Asih Marini Wulandari Azizah, Nurul Dwi Abadi, Medi Trilaksono Eny Endah Pujiastuti Firdha Annisa Zulfa Hastho Joko Nur Utomo Hermawanto, Ariesani Ida Susi Dewanti Jesie, Titan Aprista Keny Rahmawati Koorag, Satrio Tegar Gunung Koraag, Satrio Tegar Gunung Kurniawati, Erna Mu'afi, Muhammad Irfan Mua'fi, Muhammad Irfan Muhammad Devris Alfian Mu’afi, Muhammad Irfan Nawazirul Lubis Nurchaya, Mukti Ahmad Ratnawati Ratnawati Rosalia Dwi Fadma Tjahjanti Sagita, Virginia Ayu Siti Ning Farida Tiara Anjelina Tiara Juniar Soewardi Widiartanto Widiartanto Wijayanti, Dewi Mukti