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All Journal SEGMEN Jurnal Manajemen dan Bisnis Value Added: Majalah Ekonomi & Bisnis Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal Jurnal Dinamika Sosial Budaya EBSJ Martabe : Jurnal Pengabdian Kepada Masyarakat Almana : Jurnal Manajemen dan Bisnis Jurnal Manajemen dan Bisnis Jayakarta Abdimasku : Jurnal Pengabdian Masyarakat Jurnal Ekonomi, Manajemen, dan Akuntansi Universitas Ngudi Waluyo Community Development Journal: Jurnal Pengabdian Masyarakat Mattawang: Jurnal Pengabdian Masyarakat Quantitative Economics and Management Studies Ekobis: Jurnal Ilmu Manajemen dan Akuntansi Entrepreneur : Jurnal Bisnis Manajemen dan Kewirausahaan Bima Journal : Business, Management and Accounting Journal Transekonomika : Akuntansi, Bisnis dan Keuangan Jurnal Pengabdian Masyarakat : Pemberdayaan, Inovasi dan Perubahan Bussman Journal : Indonesian Journal of Business and Management Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan JAMBURA: JURNAL ILMIAH MANAJEMEN DAN BISNIS Balance : Jurnal Akuntansi dan Manajemen Journal of Finance and Business Digital (JFBD) Jurnal Ilmiah Fokus Ekonomi, Manajemen, Bisnis & Akuntansi (EMBA) Safari : Jurnal Pengabdian Masyarakat Indonesia Jurnal Manajemen dan Bisnis Journal of Management and Social Sciences Journal of Student Research Jurnal Riptek Jurnal Manajemen dan Ekonomi Kreatif Jurnal Riset Rumpun Ilmu Ekonomi (JURRIE) Jurnal Riset Manajemen Jurnal Riset Manajemen dan Ekonomi JPNM : Jurnal Pustaka Nusantara Multidisiplin Jurnal IlmiahManajemen, Bisnis dan Ekonomi Kreatif Maeswara: Jurnal Riset Ilmu Manajemen dan Kewirausahaan Lokawati: Jurnal Penelitian Manajemen dan Inovasi Riset Jurnal Manuhara: Pusat Penelitian Ilmu Manajemen Dan Bisnis Riset Ilmu Manajemen Bisnis dan Akuntansi Indonesian Journal of Innovation Multidisipliner Research Jurnal Pengabdian Tri Bhakti Journal of Information Systems Management and Digital Business Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Journal of Management and Innovation Entrepreneurship (JMIE) Ebisnis Manajemen Equivalent : Journal of Economic, Accounting and Management Jurnal Ilmiah Manajemen dan Akuntansi KIC Jurnal Manajemen Bisnis Digital Terkini Value Management Research Jurnal JUEMA Jurnal Simki Economic
Rita Meiriyanti
Universitas PGRI Semarang
Religion 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 Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Transportation Other

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The Influence of Financial Literacy and Interest Rate Perception on Paylater Usage Decisions for Business Capital with Risk Perception as a Moderating Variable (Study on MSMEs in Genuk District, Semarang) Awalia Ririn Maulidina; Noni Setyorini; Rita Meiriyanti
Equivalent : Journal of Economic, Accounting and Management Vol. 4 No. 1 (2026): Equivalent : Journal of Economic, Accounting and Management
Publisher : CV. Doki Course and Training

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61994/equivalent.v4i1.1416

Abstract

The growth of digital financing services such as Paylater in Indonesia has increased rapidly, but its utilization as a source of business capital by MSMEs actors is still relatively low. This phenomenon is evident from the low understanding of MSMEs actors regarding Paylater mechanisms, high concerns about financial risks, and negative perceptions related to interest rates and service fees. This study aims to analyze the influence of financial literacy and interest rate perception on Paylater usage decisions as business capital, as well as to examine the moderating role of risk perception on MSMEs in Genuk District, Semarang. The research method uses a quantitative approach with probability sampling technique and simple random sampling of 98 MSME respondents. Data analysis was conducted using PLS-SEM. The results show that financial literacy has a positive and significant effect on Paylater usage decisions, while interest rate perception has a negative but not significant effect. Furthermore, risk perception is proven to moderate the influence of financial literacy on Paylater usage decisions positively and significantly, indicating that MSMEs actors with high literacy and good risk awareness are more selective in utilizing Paylater services. Risk perception also moderates the influence of interest rate perception on Paylater usage decisions positively and significantly, so that MSMEs actors' sensitivity to borrowing costs increases when risk is considered. The research model has an R-square value of 0.954, indicating very good predictive capability. These findings emphasize the importance of improving financial literacy and risk education to encourage wiser financial decisions in the use of Paylater services for MSMEs.
DINAMIKA PERILAKU MENABUNG MAHASISWA: MOTIF MENABUNG, DAN KESADARAN KEUANGAN DENGAN KONTROL DIRI SEBAGAI VARIABEL INTERVENING Rika Yulianti; Efriyani Sumastuti; Rita Meiriyanti
Value Added : Majalah Ekonomi dan Bisnis Vol 20, No 2 (2024): Value Added : Majalah Ekonomi dan Bisnis
Publisher : Universitas Muhammadiyah Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26714/vameb.v20i2.14705

Abstract

Tujuan studi ini untuk menentukan korelasi antara perilaku menabung, kesadaran keuangan, kontrol diri, dan motif menabung. Dan mengetahui kontrol diri sebagai mediasi antara motif menabung dan kesadaran keuangan atas perilaku menabung. Populasi dalam studi adalah mahasiswa S1 Manajemen Universitas PGRI Semarang angkatan 2021–2022. Dalam studi ini menerapkan metode kuantitatif. Metode pengambilan sampel sederhana dimanfaatkan pada studi ini untuk menentukan jumlah sampel yang berjumlah 251 responden. Sampel diperoleh dengan mengisi kuesioner melalui google form, diolah serta dianalisis dengan program SPSS. Penelitian ini menganalisis data dengan analisis regresi ganda, dan hipotesis diuji dengan analisis regresi variable intervening. Hasil menujukkan bahwa motif menabung, kesadaran keuangan, dan kontrol diri meningkatkan akan perilaku menabung, serta kontrol diri dapat menjadi variabel intervening antara motif menabung serta kesadaran keuangan dengan perilaku menabung oleh Mahasiswa Program Studi  Manajemen Universitas PGRI Semarang angkatan 2021-2022.
Analisis Minat Penggunaan Transportasi Online Maxim pada Mahasiswa Fakultas Ekonomi dan Bisnis Universitas PGRI Semarang Dina Afrilya; Efriyani Sumastuti; Rita Meiriyanti
Jurnal Simki Economic Vol 7 No 1 (2024): Volume 7 Nomor 1 Tahun 2024
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jse.v7i1.580

Abstract

This research aims to test hypotheses and explain phenomena in the form of relationships between variables, namely brand image, price, word of mouth, brand trust, and service quality on interest in using Maxim online transportation among students at the Faculty of Economics and Business, PGRI University Semarang. This research uses a quantitative approach method. The data analysis technique used in this research is multiple linear regression with testing using SPSS. The test results show that brand image and price have no influence on interest in using Maxim online transportation. Word of mouth, brand trust, and service quality have a significant positive influence. Brand image, price, word of mouth, brand trust, and service quality simultaneously influence positively and significantly. The importance of managing and improving a number of aspects in creating a positive and enjoyable image for users. The positive influence of this combination of variables can indicate the existence of a mutually reinforcing interaction or relationship between the variables.
Pengaruh Disiplin Kerja, Kompetensi Dan Kepemimpinan Terhadap Kinerja Pegawai Bpkpad Kabupaten Demak Vindy Febi Kinara; Ika Indriasari; Rita Meiriyanti
Journal of Management and Social Sciences Vol. 2 No. 1 (2023): Februari : Journal of Management and Social Sciences
Publisher : Sekolah Tinggi Ilmu Administrasi Yappi Makassar Jl. Sumba no 46, Kota Makassar, Sulawesi Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jimas.v2i1.212

Abstract

Penelitian ini bertujuan untuk menguji secara empiris pengaruh disiplin kerja, kompetensi dan kepemimpinan terhadap kinerja pegawai BPKPAD Kabupaten Demak. Populasi penelitian ini adalah seluruh Pegawai BPKPAD Kabupaten Demak. Sampel yang digunakan dalam penelitian ini adalah 85 orang responden. Di dalam penelitian ini menggunakan teknik total sampling, yaitu teknik seluruh jumlah populasi dijadikan sampel. Kemudian metode pengumpulan data melalui kuosioner dan analisa data menggunakan SPSS 21 yang meliputi uji validitas, reliabilitas, uji asumsi klasik, analisis regresi berganda, pengujian hipotesis menggunakan uji t dan uji R2. Hasil penelitian ini menunjukkan bahwa seluruh variabel bebas, yaitu disiplin kerja, kompetensi dan kepemimpinan berpengaruh positif dan signifikan terhadap kinerja pegawai (Y) secara parsial maupun stimultan (bersama-sama). Berdasarkan nilai koefisien determinasi sebesar 0,794 atau 79,4%. Yang artinya bahwa keberadaan variable independent (kepemimpinan, disiplin kerja dan kompetensi) kepada kinerja pegawai mumpunyai pengaruh sebesar 79,4% sedangkan sisanya yaitu 20,6% dipengaruhi oleh variable lain yang tidak digunakan peneliti di dalam penelitian ini.
Co-Authors Aisyatul, Umi Amanda, Maerena Anak Agung Gede Sugianthara Anggi Mirdiyantika Anistia Dewi Muflikhah Anjani, Herlina Dian Aprilia, Nia Ardi Kurniawan Arriana, Primarinha Aulia Nurul Izza Awalia Ririn Maulidina Bawazir, Muhammad Najib Bayu Kurniawan BAYU KURNIAWAN C Tri Widiastuti C. Tri Widiastuti Chadiyan Faturachman Chadyan Fathurachman Dhea Rizky Amelia Dhea Rizky Amelia Diana Puspitasari Dina Afrilya Dini Fahriati Dwi Cahyaningtias Efriyani Sumastuti Elfa Shita Hardini Ervina , hawik Fadhioma Ammarendra Fairuz Tito Milzam Farah Chalida Hanoum Fatria Adianto Fithri Widyannita Yarisma Fitriana, Lisa Hartoto, Witjaksono Eko Heri Prabowo Hesty Utami P, Ratih Ika Menarianti, Ika Indriasari, Ika Ira Setiawati Ira Setiawati Ira Setiawati, Ira ISTIKHOMAH Lailatul Dewi, Lina Sofi Lailatul Maesyaroh Ledy Nevira Anggraini Lestari, Putri Indah Lilik Ariyanto Mahendra, Novian Wahyu Muhammad Sani Arsyadi Muhammad Stalastul Mustofa Mukharomah Mukharomah Mutrofin Rohmaniah N. Nurjanah Nadia Apriliana Nissa, Ivana Khairun Nuriyadi, Anggia Nurul Fauziyah Oktaviani, Regina Pratiwi, Ameliya Dian Prianka Ratri Nastiti Prianka Ratri Nastiti, Prianka Ratri Putri Angelina Qristin violinda Ramadhani, Pramila Gita Ratih Hesty Utami Ratih Hesty Utami P Ratih Hesty Utami Puspitasari Rika Yulianti Rinawati, Tri Rizka Ardila Angger Wijayanti Rizky Agung Nugroho Rizqiandini, Anisa Rosalinda Septi Yunita Rr Hawik Ervina Rr Hawik Ervina Indiworo Sekar Intan Guphita Setyorini, Noni Shofif Sobaruddin Akbar Sijabat, Rauly Sinta Wulandari Siti Wahyuningsih Suciana, Sinta Supandi SUTRISNO Sutrisno Sutrisno Sutrisno, Sutrisno Syamsul Yahya Tri Bayu Atmaja Tri Rinawati Valadeva Izzulhaq Vindy Febi Kinara Vita Adi Meli Yana Widiastuti, C. Tri Widyaswati, Rahmatya Wijaya, Rafly Witjaksono Eko Hartoto Yoga Indra Khatama Yogiana, Friska Yuliana Nuraini Zhanda Dinda Sarrani Zhanda Dinda Sarrani