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All Journal Dinamika Akuntansi Keuangan dan Perbankan Jurnal Bisnis dan Ekonomi Pedagogi: Jurnal Ilmu Pendidikan Proceeding Fakultas Ekonomi Kompak : Jurnal Ilmiah Komputerisasi Akuntansi Optimum : Jurnal Ekonomi dan Pembangunan Media Ekonomi dan Manajemen Students´ Journal of Economic and Management Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan Proceeding SENDI_U JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) PROCEEDINGS J-MAS (Jurnal Manajemen dan Sains) SEIKO : Journal of Management & Business Jesya (Jurnal Ekonomi dan Ekonomi Syariah) YUME : Journal of Management Jurnal GeoEkonomi International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Ekonomi Manajemen Sistem Informasi Performance : Jurnal Bisnis dan Akuntansi Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Tunas Journal of Management - Small and Medium Enterprises (SME's) PROFICIO: Jurnal Pengabdian Masyarakat Telaah Bisnis Jurnal Ekonomika Dan Bisnis SENTRI: Jurnal Riset Ilmiah Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Bisnis dan Kewirausahaan El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Untag Business and Accounting Review Jurnal Ekonomi dan Pembangunan Indonesia
Sri Nawatmi
Universitas Stikubank
Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Analisis Penyerapan Anggaran Operasional dan Pemeliharaan Kantor di Pengadilan Negeri Semarang Kelas IA Khusus Salma Febriana Danuputri; Sri Nawatmi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 9 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i9.4214

Abstract

This research aims to analyze the excess realization of operational and office maintenance at the Special Class IA Semarang District Court, with a focus on the causal factors, and how to overcome budget excesses. The research method used is descriptive qualitative with empirical studies at the Special Class IA Semarang District Court. The data collected was RKA-KL (Work Plan and Budget) and LRA (Budget Realization Report) then conducted in-depth interviews after which analysis was carried out to draw conclusions. The results of the research show that several factors that cause excess operational and office maintenance budgets are unrealistic or non-comprehensive budget planning, changes in economic conditions, inefficiencies in project or operational management, lack of control and supervision of expenditure and non-compliance in the implementation of budget policies or lack of coordination. . How to overcome operational budget excesses at the Special Class IA Semarang District Court by strengthening the budget planning process, implementing a strict budget monitoring and control system and increasing the capacity and competence of human resources involved in budget management.
SOSIALISASI PENGELOLAAN USAHA MIKRO BAGI JAMAAH PENGAJIAN WANITA AS SOLIHAT MASJID AL MUTTAQIN BENDUNGAN SEMARANG Ali Maskur; Sri Nawatmi; Agus Budi Santosa; Endang Tjahjaningsih; Suhana
Jurnal Pengabdian Masyarakat FKIP UTP Vol 7 No 2 (2026): PROFICIO : Jurnal Abdimas FKIP UTP
Publisher : PROFICIO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36728/.v7i2.6700

Abstract

Tujuan pengabdian ini supaya Jamaah Pengajian Wanita As Solihat di Masjid Al Muttaqin di Kelurahan Bendungan, Kecamatan Gadjahmungkur Kota Semarang memahami pengelolaan usaha mikro. Metode pengabdian dilakukan dengan ceramah langsung dihadapan ibu-ibu jamaah. Konsep tentang rejeki berkah dan bekerja adalah ibadah ditekankan untuk memberikan dasar semangat untuk maju. Selain itu, pengabdian ini juga memberikan materi tentang berbagai alternatif usaha mikro yang bisa dipilih, bagaimana memasarkan produk tersebut serta bagaimana mengelola keuangan sedcara sederhana. Dengan pengabdian ini, ke depan para jamaah ibu-ibu memiliki pijakan yang lebih kuat tentang konsep rejeki berkah dan bekerja adalah ibadah. Disamping itu, harapannya pengelolaan usaha mikro bisa lebih baik. Dengan demikian, usaha mikro bisa berjalan lebih baik dan menghasilkan keuntungan yang berkah bagi diri sendiri, keluarga dan jamaah.
Analisis Pagu Minus Belanja Pegawai Pada Pengadilan Negeri Semarang Kelas IA Khusus Alfillinda Sekar Pratiwi; Sri Nawatmi
Jurnal Ekonomi Manajemen Sistem Informasi Vol. 5 No. 5 (2024): Jurnal Ekonomi Manajemen Sistem Informasi (Mei - Juni 2024)
Publisher : Dinasti Review

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jemsi.v5i5.2249

Abstract

Penelitian ini bertujuan untuk menganalisis secara menyeluruh fenomena pagu minus belanja pegawai pada Pengadilan Negeri Semarang Kelas IA Khusus, dengan fokus pada faktor penyebab, cara mengatasi, dan dampak, karena pengelolaan belanja pegawai menjadi komponen penting dalam menjaga keseimbangan keuangan Pengadilan Negeri Semarang Kelas IA Khusus. Metode riset yang dipakai ialah deskriptif kualitatif dengan studi empiris pada Pengadilan Negeri Semarang Kelas IA Khusus. Data dihimpun lewat interview mendalam dengan bagian perencanaan dan keuangan, analisis dokumen RKA-KL (Rencana Kerja dan Anggaran) dan LRA (Laporan Realisasi Anggaran). Hasil penelitian menunjukkan beberapa faktor yang menyebabkan pagu minus belanja pegawai meliputi mutasi pegawai dan hakim, kenaikan pangkat dan kenaikan gaji berkala, jumlah pegawai dan hakim menikah meningkat, jumlah anggota keluarga pegawai dan hakim meningkat. Cara mengatasi pagu minus belanja pegawai dengan permohonan Revisi Daftar Isi Pelaksanaan Anggaran (DIPA). Pagu minus belanja pegawai tidak memberikan dampak, namun dapat mengakibatkan nilai Indikator Kinerja Pelaksanaan Anggaran (IKPA) menurun. 
Revolutionizing Digital Banking: Bridging Generational Gaps to Deliver Exceptional Customer Loyalty Ignatius Hari Santoso; Maryono Maryono; Ali Maskur; Sri Nawatmi; Mulyo Budi Setiawan
Telaah Bisnis Vol. 26 No. 2 (2025): December 2025
Publisher : Sekolah Tinggi Ilmu Manajemen YKPN Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35917/tb.v26i2.628

Abstract

This study investigate how omnichannel integration quality comprised of channel consistency, channel transparency and channel connectivity shape the online customer experience and its subsequent influence the willingness to stay in digital banking. Drawing upon the Stimulus – Organism – Response framework, the research also examined whether the generational cohorts moderate these relationship. A quantitative method with purposive sampling is employed, involving 90 valid response from Indonesian digital banking users, belonging to Generation Y and Z. Structural equation modelling using Smart PLS is applied to assess. The findings reveal that channel connectivity does not exert a meaningful effect. Furthermore, online customer experience strongly predicts the customers’ willingness to stay. These result suggest that consistency and transparency remain critical lever for optimizing digital experiences, while connectivity has become baseline expectation rather than a differentiating factor. This research extends the online customer experience and omnichannel literature by highlighting generational convergence in digital expectation. Practically it advises banks to prioritize the seamless, transparent and consistent service delivery to strengthen customer retention.
ABS ANALISIS NILAI TUKAR RUPIAH DAN INFLASI TERHADAP RETURN SAHAM INDUSTRI PERBANKAN Agus Budi Santosa; Sri Nawatmi
PERFORMANCE: Jurnal Bisnis & Akuntansi Vol 14 No 2: Performance: Jurnal Bisnis & Akuntansi
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Wiraraja Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24929/feb.v14i2.3570

Abstract

The role of the banking industry is an important sector in driving economic growth. Tight competition in the banking industry requires bank management to improve its performance. Financial reports are a means for investors to find out financial condition and make investment decisions. Investors monitor the performance of banking companies in terms of profit objectives from stock returns. This research will analyze the influence of external factors through the Rupiah exchange rate and inflation variables on stock prices. The tool of analysis in uses multiple linear regression to determine the influence between the independent variable and the dependent variable. The research data uses data for the 2018 - 2020 period. Finding on the research results, it is concluded that inflation has no effect on stock returns, while exchange rate has a negative effect to stock prices.
Job Hopping Karyawan Generasi Z Di Kota Semarang: Pengaruh Work Life Balance, Job Satisfaction, Dan Perceived Organizational Support Anitaningsih, Rahayu; Nawatmi, Sri
Jurnal GeoEkonomi Vol. 17 No. 2 (2026): [in-press]
Publisher : Program Studi Manajemen Fakultas Ekonomi dan Bisnis Universitas Balikpapan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36277/geoekonomi.v17i2.760

Abstract

An examination of job mobility among Generation Z employees is oriented toward the influence of work–life equilibrium,occupational contentment, and perceived organizational backing. A quantitative framework was implemented through a survey design, utilizing a questionnaire administered to a sample of 100 Generation Z workers, from which 6 samples were excluded due to extreme outliers, yielding a final analyzed dataset of 94 valid respondents. Hypothesis verification was conducted using multiple linear regression analysis supported by SPSS 23. The findings reveal that work–life equilibrium and perceived organizational backing exert a positive effect on job mobility, whereas occupational contentment demonstrates no significant impact. This circumstance suggests that the inclination to pursue alternative employment intensifies when individuals attain balance between professional andpersonal domains and experience organizational support. Conversely, job satisfaction does not contribute to mobility decisions. In light of these outcomes, organizations are encouraged to enhance strategies related to work–life management and institutional support to mitigate turnover among Generation Z employees.
Determinants of Regional Economics Growth Sri Nawatmi; Agung Nusantara; Agus Budi Santosa
Media Ekonomi dan Manajemen Vol 35, No 1 (2020): Competitive Challenges Facing Indonesia in the Global Economy
Publisher : Fakultas Ekonomika dan Bisnis UNTAG Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (245.807 KB) | DOI: 10.24856/mem.v35i1.1208

Abstract

This study aims to determine what factors influence regional economic growth. The analysis technique used is to combine time series data and cross-section (pooling data). Time-series data from 2015 - 2017 and cross section data consisting of 34 provinces in Indonesia. The results of the model test using the redundant fixed effect test and random effect-Hausman test show that the best model is the fixed effect model (FEM). Regression results show that only the HDI (Human Development Index) variable is not significant, the other variables (fiscal decentralization, capital, and labor) have a significant positive effect on regional economic growth.
Data Driven Perspective on Stock Price - Macroeconomic Variables: Indonesia Economy 2016-2020 Agung Nusantara; Sri Nawatmi; Agus Budi Santosa
Media Ekonomi dan Manajemen Vol 37, No 2 (2022): July 2022
Publisher : Fakultas Ekonomika dan Bisnis UNTAG Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24856/mem.v37i2.2818

Abstract

AbstractThe use of a theory-driven perspective is very common, especially in economics research, and even becomes an inevitable approach. Problems arise when data, as a form of reality, does not synergize with theory. The resulting conclusion is very likely to be different from the theoretical statement. One method that refers to data-driven is the Vector Auto-Regressive (VAR) model, which puts all the variables involved in a position as endogenous variables. This study seeks to identify a statistically more accurate relationship in the relationship between variables, stock prices, consumer price index, Jakarta Inter-Bank Over rate, exchange rate, and Net Balance Trade. Observations were made from January 2016 to December 2020. This study found evidence that there is a recursive relationship between stock price variables and macroeconomic variables. The VAR model identifies the Net Balance Trade variable as an endogenous variable in 3 types of sectoral stocks and only manufacturing sector stocks that resemble it. These results have two theoretical consequences: first, setting stock prices without differentiating sectors carries the risk of generalization errors. Second, setting stock prices as the endogenous variable means assuming that the market is perfect, and efficient and market participants have rational behavior.
Pengaruh Korupsi Terhadap Pertumbuhan Ekonomi Studi Empiris Negara-Negara Asia Pasifik Sri Nawatmi
Media Ekonomi dan Manajemen Vol 31, No 1 (2016): Peran Personal dan Lingkungan Dalam Pencapaian Tujuan Organisasi
Publisher : Fakultas Ekonomika dan Bisnis UNTAG Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (249.14 KB) | DOI: 10.24856/mem.v31i1.281

Abstract

AbstakPenelitian ini bertujuan menganalisis hubungan korupsi dan pertumbuhan ekonomi. Untuk menganalisis digunakan data pooling. Jumlah  data cross-section adalah 14 negara di Asia Pasifik dan data time-series adalah sembilan tahun. Dari hasil uji redundant fixed effect test dan correlated random effects-Hausman test serta pertimbangan teknis didapatkan model terbaik adalah fixed effect model. Berdasar hasil regresi, korupsi memilki signifikansi yang positif terhadap pertumbuhan ekonomi 12 negara di Asia Pasifik. Artinya, korupsi (Corruption Perception Index/CPI) bukan menjadi grease of wheel atau pelicin roda perekonomian negara-negara tersebut. Sedangkan variabel lain yang positif signifikan terhadap pertumbuhan ekonomi adalah foreign direct investment dan pengeluaran pemerintah untuk kesehatan. Hasil analisis yang lebih mendalam menunjukkan bahwa dari 12 negara yang dijadikan obyek penelitian ternyata hanya lima negara yang korupsinya berpengaruh terhadap petumbuhan ekonomi yaitu dua negara positif signifikan (Jepang dan Korea Selatan) dan sisanya (Brunei Darusalam, Timor Leste dan Kamboja) negatif signifikan.Kata kunci: IPK, pertumbuhan ekonomi, data pooling, fixed effect model dan grease of wheel.AbstractThe research want to analysis about corruption and economic growth. The method of analysis use pooling data. Number of cross-section data  are14 countries and times-series data are nine years. The best model obtained from redundant fixed effect test,  correlated random effects-Hausman test and technical consideration. The model is fixed effect model.  Based on regression output, corruption havepositif significant to 12 Asia Pasific countries economic growth. So, corruption are not become a grease of wheel for that countries. If corruption (corruption perception index/CPI) increase, economic growth increase too. While, another variables like FDI, and government budget for healthy have positive significant to the economic growth. Actually, only five countries in which the CPI variable significantly to economic growth. Two countries have positif significant (Japan and Korea) and another have negatif significant (Brunei Darussalam,Timor Leste, and Kamboja).  Key words: CPI, economics growth, pooling data, none, fixed, and grease of wheel
Pengaruh Kualitas Pelayanan dan Brand Image terhadap Loyalitas Nasabah pada Bank BCA Indah Zefanya Aulia; Sri Nawatmi
Jurnal Ekonomi dan Pembangunan Indonesia Vol. 4 No. 3 (2026): Agustus: Jurnal Ekonomi dan Pembangunan Indonesia
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jepi.v4i3.2492

Abstract

Increasingly fierce competition in the banking industry is driving every bank to improve service quality and build a positive Brand Image in order to maintain customer loyalty. This study aims to analyze the influence of service quality and Brand Image on customer loyalty at Bank BCA. This study employs a quantitative approach using a survey method, in which questionnaires were distributed to 96 Bank BCA customers selected using purposive sampling. Data analysis was performed using multiple linear regression with SPSS, including validity tests, reliability tests, classical assumption tests, hypothesis testing, and the coefficient of determination. The results of the study indicate that service quality has a positive and significant effect on customer loyalty, with a significance value of 0.001 (<0.05). Brand Image also has a positive and significant effect on customer loyalty, with a significance value of 0.000 (<0.05). Simultaneously, service quality and Brand Image have a significant effect on customer loyalty, with an F-test significance value of 0.000 (<0.05). The adjusted R-squared value of 0.701 indicates that service quality and Brand Image account for 70.1% of the variation in customer loyalty, while the remaining 29.9% is influenced by other factors outside the research model. This study concludes that improving service quality and strengthening Brand Image are key factors in enhancing customer loyalty at Bank BCA.
Co-Authors 08.05.51.0127 Pandu Kurniawan Ade Intan Kurnia Adinda Putri Hermansya Afif Amrulloh Agung Nusantara Agung Nusantara Agung Nusantara Agung Nusantara Agung Nusantara Agus Budi Santosa Agus Budi Santosa Agus Budi Santosa Alfillinda Sekar Pratiwi Alfillinda Sekar Pratiwi Ali Maskur Angga Kifari Zakawali Anitaningsih, Rahayu Annastasia Anisah Yuanitasari Arindhita Rahmasari, Difa Askar Yunianto Ayuningtiyas, Surya Bambang Sudiyatno Bambang Sudiyatno Budi, Mulyo Choeroh, Nikmatul Desi Testiyanto Diah Puji Alfiah Dian Febriya Elfandari Endang Tjahjaningsih Fajar Rudiyanto Febri Sebastian Indah Zefanya Aulia Maryono Maryono Mohammad Fauzan Mulyo Budi Setiawan Mulyo Budi Setiawan Nurchayati Nurchayati Nusantara, Agung Purwatiningtyas, P Putri, Almira Amara Putri, Febri Anisa Hermita Reynaldi Arsyad Salma Febriana Danuputri Santoso, Ignatius Hari Sri Isnowati Suhana Yuanitasari, Annastasia Anisah