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All Journal Jurnal Ekonomi dan Pendidikan Jurnal Pendidikan Akuntansi Indonesia Journal of Education and Learning (EduLearn) Ekonomikawan : Jurnal Ilmu Ekonomi dan Studi Pembangunan Harmoni Sosial: Jurnal Pendidikan IPS Empowerment Jurnal Pengabdian Masyarakat AbdiMas ISOQUANT : Jurnal Ekonomi, Manajemen dan Akuntansi JTP - Jurnal Teknologi Pendidikan EDUKATIF : JURNAL ILMU PENDIDIKAN Jurnal Ilmiah Ekonomi Global Masa Kini Jurnal Pendidikan dan Kewirausahaan Jurnal Abdi Masyarakat Indonesia Jurnal Ilmiah Manajemen dan Bisnis (JIMBI) Sinergi International Journal of Management and Business JIEP: Jurnal Ilmu Ekonomi dan Pembangunan Jurnal Pendidikan dan Sosial Humaniora Heritage: Journal of Social Studies
Nenden Susilowati
Fakultas Ekonomi Universitas Negeri Yogyakarta
Humanities Economics, Econometrics & Finance Education Engineering Environmental Science Library & Information Science Mathematics Public Health Social Sciences Other

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Tantangan Implementasi Asesmen Kompetensi Minimum (AKM) di Sekolah Dasar Riani, Lilia Pasca; Susilowati, Nenden
EDUKATIF : JURNAL ILMU PENDIDIKAN Vol 7, No 1 (2025): February
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/edukatif.v7i1.7963

Abstract

Penelitian ini bertujuan untuk mengidentifikasi tantangan yang dihadapi dalam pelaksanaan Asesmen Kompetensi Minimum (AKM) di Sekolah Dasar (SD) di Indonesia. Metode yang digunakan adalah studi literatur yang mengkaji berbagai sumber terkait AKM, termasuk artikel, laporan, dan kebijakan pendidikan. Hasil penelitian menunjukkan bahwa kesiapan guru yang rendah, infrastruktur pendidikan yang tidak memadai, dan kurangnya pemahaman siswa serta orang tua tentang AKM merupakan tantangan utama. Selain itu, integrasi hasil AKM dalam kebijakan pendidikan masih belum optimal. Oleh karena itu, diperlukan upaya kolaboratif antara pemerintah, sekolah, guru, dan orang tua untuk mengatasi tantangan ini dan memastikan pelaksanaan AKM yang efektif. Dengan memperbaiki kesiapan guru, meningkatkan infrastruktur, dan memperkuat komunikasi dengan orang tua, diharapkan AKM dapat berfungsi sebagai alat yang efektif dalam meningkatkan kualitas pendidikan di Indonesia
Pengaruh Diskon Dan Fitur Cashback Pada E-Wallet Terhadap Minat Transaksi Non-Tunai Mahasiswa: The Effect Of Discounts And Cashback Features On E-Wallets On Students' Interest In Non-Cash Transactions Susilowati, Nenden; Hetika Precillia Anggraeni; Aisa Bela Khurota Ayun; Indah Puji Astuti; Elve Dhesta Arfindha
Jurnal Pendidikan Akuntansi Indonesia Vol. 23 No. 2 (2025): Jurnal Pendidikan Akuntansi Indonesia
Publisher : Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/jpai.v23i2.89844

Abstract

Penelitian ini memiliki tujuan untuk mengkaji pengaruh diskon dan fitur cashback pada e-wallet terhadap minat mahasiswa S1 Pendidikan Ekonomi Fakultas Ekonomi dan Bisnis Universitas Negeri Yogyakarta dalam melakukan transaksi non-tunai. Latar belakang penelitian didasarkan pada semakin meningkatnya penggunaan e-wallet di kalangan mahasiswa seiring perkembangan teknologi digital dan strategi promosi yang semakin gencar dilakukan untuk mendorong transaksi non-tunai. Penelitian ini menerapkan pendekatan kuantitatif dengan metode korelasional. Sampel penelitian ini ditentukan dengan teknik purposive sampling yang melibatkan 115 mahasiswa sebagai responden. Instrumen pengumpulan data berupa kuesioner dengan skala likert, yang telah diuji terlebih dahulu untuk memastikan validitas serta reliabilitasnya. Hasil penelitian mengindikasikan bahwa secara simultan diskon dan cashback memberikan pengaruh positif serta signifikan terhadap minat mahasiswa dalam menggunakan transaksi non-tunai. Temuan ini memperkuat bahwa strategi promosi berbasis harga masih relevan sebagai upaya pemasaran digital yang efektif. Rekomendasi ditujukan bagi penyedia layanan e-wallet untuk terus memaksimalkan strategi promosi yang selaras dengan preferensi generasi muda, khususnya mahasiswa, melalui penyediaan diskon yang menarik serta cashback yang transparan, fleksibel, dan mudah diakses.
Pengaruh Kepuasan Pengguna, Kualitas Platform E-Learning, dan Ketersediaan Sumber Daya terhadap Prestasi Belajar Mata Pelajaran Ekonomi SMA Negeri 1 Karanganom Nindita Fadhila; Nenden Susilowati
Khatulistiwa: Jurnal Pendidikan dan Sosial Humaniora Vol. 5 No. 3 (2025): September : Khatulistiwa: Jurnal Pendidikan dan Sosial Humaniora
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/khatulistiwa.v5i3.6810

Abstract

The Effect Of User Satisfaction, E-Learning Platform Quality, And Resource Availability On Learning Achievement Of Economics Subjects At State High School 1 Karanganom. This study aims to determine the effects of user satisfaction, e-learning platform quality, and resource availability on student achievement in Economics at SMA Negeri 1 Karanganom. The research used a quantitative approach with a survey method and purposive sampling technique. Data were collected through questionnaires and achievement tests, validated by Economics Education lecturers and high school teachers. Multiple regression analysis was employed. The results indicate that both user satisfaction and e-learning platform quality have a significant effect on student achievement. Meanwhile, resource availability does not show a positive influence, but it still has a significant effect on learning outcomes. These findings highlight the importance of enhancing user experience and digital platform quality to support effective learning strategies.
EFEKTIVITAS PRAKTIK KEPENDIDIKAN UNTUK MENINGKATKAN EFISIENSI DIRI MENGAJAR PADA MAHASISWA FAKULTAS EKONOMI DAN BISNIS Susilowati, Nenden
Jurnal Ekonomi dan Pendidikan Vol. 20 No. 2 (2023)
Publisher : Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/jep.v20i2.75731

Abstract

Economics subjects are still considered difficult by most, and this is a challenge for teachers to be able to teach economics well. Therefore, prospective teachers need to have self-efficacy in their ability to teach economics material. This study aims to determine the effectiveness of educational practices to improve teaching self-efficacy in 21 students majoring in Education in the VII Semester of the Faculty of Economics. This study uses an experimental method with a one-group pretest-posttest design. The teaching self-efficacy variable was measured using the Teaching Self-Efficacy Scale, which was tested on 115 students in the seventh semester of the Faculty of Economics, with the result of Cronbach's alpha reliability coefficient of 0.86. The results of this study indicate a significant increase in the average teaching self-efficacy score of 14.45%, with a significance value of 0.003 (p < 0.05). Follow-up analysis of aspects of teaching self-efficacy showed that the magnitude score increased by 21.73% (sig=0.003; p¡0.005), and generality increased by 22.37% (sig=0.002; p¡0.005), and strength increased by 25.58. % (sig=0.003; p¡0.005). Thus, it can be concluded that educational Practice can significantly improve teaching self-efficacy for students majoring in Education at the Faculty of Economics and Business.
Revolutionizing Learning in the 21st Century: Development of Video Microlearning Anchored in TPACK Fidhyallah, Nadya Fadillah; Aladawiya, Rabia; Zakiah, Rizka; Faslah, Roni; Sulistyowati, Raya; Susilowati, Nenden; Armayanti, Nelly
JTP - Jurnal Teknologi Pendidikan Vol. 26 No. 3 (2024): Jurnal Teknologi Pendidikan
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat, Universitas Negeri Jakarta

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

Abstract

It is important to foster 21st-century skills in the context of modern education. However, integrating these skills into the curriculum remains challenging. This study addresses the gap by developing TPACK-based (Technological Pedagogical Content Knowledge) video microlearning towards relevant curriculum in Indonesia. The objective of this research is to create effective video microlearning content that aligns with the TPACK framework. Utilizing Thiagarajan's 4D model—define, design, develop, and disseminate—the study employed a research and development approach. Data were gathered through expert evaluations of media and content, and feedback from teachers and students. The sample included 10th-grade Marketing students at SMKN 12 Jakarta. The findings demonstrated a 95% feasibility rate for the media and a 92% success rate for the content, indicating high effectiveness and suitability for instructional purposes. Further testing with teachers and students yielded positive responses of 94% and 95%, respectively. These results highlight the significance of TPACK-based video microlearning as a valuable instructional tool, capable of enhancing 21st-century skills in students. The novelty of this research lies in its application of the TPACK framework to video microlearning, addressing the urgent need for innovative educational strategies.
Digital Wallets and Student Finances: Analyzing Behavioral Shifts in the Era of Cashless Payments Ahmad Hafidh Saiful Fikri, Aula; Sholeh, Maimun; Susilowati, Nenden; Roestam Afandi, Muhammad; Febrianto, Indra
Sinergi International Journal of Management and Business Vol. 3 No. 4 (2025): November 2025
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijmb.v3i4.898

Abstract

The development of financial technology (fintech) has brought significant changes to people's transaction patterns, particularly among university students, with the increasing use of digital wallets. This phenomenon is influenced by various factors, including digital literacy, financial attitude, herd behavior, and these factors impact on financial well-being. Therefore, this study aims to construct a structural model of digital wallet usage and how it impacts the financial well-being of students. This research uses a quantitative approach with the Structural Equation Modeling-Partial Least Squares (SEM-PLS) method to examine the relationships between variables. Data was collected through the distribution of questionnaires to students who actively use digital wallets. The results show that digital literacy has the largest total effect on financial well-being through two pathways: a direct influence and an indirect influence through the use of digital wallets. The total effect of digital literacy is high, making it the dominant predictor in the model. The research results show an R² value for the digital wallet usage variable of 0.508, which falls into the moderate category, while for the financial well-being variable it is 0.723, which falls into the high category. Digital literacy (LD) has established itself as the most fundamental determinant in the digital financial ecosystem. It serves not only as the primary driver of digital wallet (PDD) adoption by enhancing perceived usefulness and ease of use, consistent with the extended technology acceptance model, but also contributes directly and significantly to improving financial well-being (FWB) by facilitating access to financial information and products, aligning with the digital divide theory.
PENGARUH FINANCIAL TECHNOLOGY (FINTECH) PAYMENT DAN LITERASI KEUANGAN TERHADAP PERILAKU KONSUMTIF MAHASISWA Susilowati, Nenden; Alnadhifah, Vedhita; Fitriana, Shafa; Mahardika, Paula Winda; Saputra, Bachtiar Bayu
Jurnal Ekonomi dan Pendidikan Vol. 22 No. 2 (2025)
Publisher : Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/jep.v22i2.89987

Abstract

Penelitian ini bertujuan menganalisis pengaruh Financial Technology (Fintech) payment dan literasi keuangan terhadap perilaku konsumtif mahasiswa. Penelitian dilaksanakan menggunakan pendekatan kuantitatif dengan metode korelasional untuk mengetahui hubungan variabel secara parsial maupun simultan. Sampel dipilih secara purposive sampling dengan responden sebanyak 114 mahasiswa. Instrumen pengumpulan data berupa kuesioner.  Hasil penelitian menunjukkan bahwa baik fintech payment maupun literasi keuangan memiliki pengaruh terhadap perilaku konsumtif mahasiswa.  Kepraktisan penggunaan fintech dalam transaksi pembayaran memengaruhi perilaku konsumsi mahasiswa. Sementara itu, literasi keuangan memengaruhi perilaku konsumtif dengan membentuk kecenderungan mahasiswa dalam mengatur pola konsumsi. Implikasi  penelitian ini menunjukkan bahwa penguatan literasi keuangan dan pemahaman penggunaan fintech diperlukan supaya perilaku konsumtif mahasiswa dapat terkendali. Temuan ini juga dapat menjadi acuan bagi perguruan tinggi, penyedia fintech dan pemangku kebijakan dalam merancang program yang relevan.
Pengaruh Literasi Keuangan Digital dan Gaya Hidup terhadap Keputusan dalam Menggunakan Paylater pada Mahasiswa Nenden Susilowati; Jovinka Nadya Epriella; Imam Rudi Mustofa; Rina Safitri; Yeremia Tobias Hutabarat
JIEP: Jurnal Ilmu Ekonomi dan Pembangunan Vol. 8 No. 2 (2025)
Publisher : PPJP ULM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20527/jiep.v8i2.2863

Abstract

The continuous progress in digital technology has brought about various modern financial services, one of which is paylater, a platform increasingly favored by university students. However, its utilization is largely influenced by students’ level of digital financial literacy and lifestyle preferences. This research seeks to examine the combined effect of digital financial literacy and lifestyle on students’ decisions to utilize paylater services within the Faculty of Economics and Business at Yogyakarta State University. The study adopted a quantitative method by administering online questionnaires to 72 active paylater users who were chosen using purposive sampling techniques. The gathered data were processed through multiple linear regression analysis. The results reveal that digital financial literacy (β = 0.350; p < 0.05) and lifestyle (β = 0.544; p < 0.05) significantly affect students’ decisions to use paylater. Jointly, these variables explain 67.4% of the variance in paylater usage decisions (R² = 0.674). The findings imply that students with higher digital financial literacy tend to make more rational and responsible financial choices, whereas those with a more consumptive lifestyle are more likely to use paylater services. Hence, enhancing digital financial literacy among students is essential to foster wiser and more sustainable financial behavior in the digital era.
Pengaruh Digital Banking, Literasi Keuangan, dan Promosi E-Commerce terhadap Perubahan Pola Menabung Mahasiswa Susilowati, Nenden; Rafi, Muhammad; Fitrianingrum, Dewi; Nabila, Novi Rahma; Febriansyah, Rizaldi
Jurnal Ilmiah Manajemen dan Bisnis (JIMBI) Vol 6, No 2 (2025): Jurnal Ilmiah Manajemen dan Bisnis (JIMBI) - Desember
Publisher : Universitas Medan Area

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31289/jimbi.v6i2.6677

Abstract

This study aims to analyze the partial influence of digital banking, financial literacy, and e-commerce promotions on changes in the savings patterns of 2023 Management students at the Faculty of Economics and Business, Yogyakarta State University. The problem focuses on  digital banking usage, financial literacy levels, and the presence of e-commerce promotions as indicators of influence on changes in the savings patterns experienced by Management students. This study uses a quantitative approach through an associative method, with a sample of 185 respondents. The sampling method for this study uses non-probability sampling through purposive sampling techniques. Data were collected through questionnaires and analyzed using validity, reliability, classical assumptions, and partial tests. The results of the study show that X1 (digital banking) has a positive and significant effect on Y (saving patterns), X2 (financial literacy) has no significant effect on saving patterns (Y), and X3 (e-commerce promotions) has no significant effect on student saving patterns (Y). Concludes that student saving patterns are influenced by the use of digital banking, but e-commerce promotions and financial literacy levels do not have a significant effect on student saving patterns.
Pengaruh Kemudahan Pembayaran Digital Terhadap Perilaku Konsumtif Susilowati, Nenden; Surbakti, Zefania Pasti; Fitriyani, Nanda; Zakiya, Mimin; Ariyanto, Ardi
Ekonomikawan: Jurnal Ilmu Ekonomi dan Studi Pembangunan Vol 25, No 2 (2025)
Publisher : UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/ekonomikawan.v25i2.27463

Abstract

This study aims to analyze the effect of cashless lifestyle transformation and Shopeepay usage on the consumptive behavior of students. This study uses a quantitative approach with a population consisting of all members of UKMF INSPIRE FEB UNY with a sample of 47 students selected through purposive sampling. The collected data was then analyzed using multiple regression tests to measure the relationship between these variables. The results of the study show a significant positive impact of ShopeePay usage on student consumption behavior; the more often students use ShopeePay, the more likely they are to engage in consumptive behavior. Conversely, the transformation to a cashless lifestyle has a negative impact because there is a risk of uncontrolled consumption, especially among students who are prone to impulsive spending. Therefore, it is recommended that ShopeePay develop reminder features or spending limits to help students manage their finances more wisely and minimize impulsive consumption behavior.
Co-Authors Ahmad Chafid Alwi Ahmad Hafidh Saiful Fikri, Aula Aisa Bela Khurota Ayun Aladawiya, Rabia Ali Muhson Alnadhifah, Vedhita Ani Widayati Ardi Ariyanto Armayanti, Nelly Arum Darmawati Aula Ahmad Hafidh Saiful Fikri Ayu Okcta Nabila Berliani Monika Satu Eka Ary Wibawa Elve Dhesta Arfindha Endang Mulyani Febriansyah, Rizaldi Fidhyallah, Nadya Fadillah Fitriana, Shafa FITRIANINGRUM, DEWI Fitriyani, Nanda Hetika Precillia Anggraeni Imam Rudi Mustofa Indah Aulia Afriana Indah Puji Astuti Indra Febrianto Irma Senia Wafiroh Jovinka Nadya Epriella Kanya Kansa Celvita Lilia Pasca Riani M. Rafi Mahardika, Paula Winda Maimun Sholeh Mariska Febrianasari Mustofa Mustofa Mutya Anugerah Aswad Mwakapemba, James Leonard Nabila, Novi Rahma Nadila Mutiara Aisyah Nani Kuswoyo Naura Kholda Khoirunisa Ngadiyono Ngadiyono, Ngadiyono Niken Ayuningsih Nindita Fadhila Noviana Windiastuti Prilanita, Yeni Nur Puji Lestari Raya Sulistyowati Rina Safitri Roestam Afandi, Muhammad Roni Faslah S Siswanto Saputra, Bachtiar Bayu Sukidjo . Sulasmi Sulasmi Surbakti, Zefania Pasti Sutirman Sutirman Tejo Nurseto Titin Hera Widi Handayani Yasmin Diaz Kusumawardani Yeremia Tobias Hutabarat Yuliansah Yuliansah Zakiah, Rizka Zakiya, Mimin