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All Journal Cakrawala Pendidikan Jurnal Pendidikan Ekonomi Undiksha Jurnal Manajemen Bisnis Jurnal Inspirasi Pendidikan EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Akuntansi dan Pajak Scholaria: Jurnal Pendidikan dan Kebudayaan Jurnal Administrasi Publik : Public Administration Journal JURNAL EKONOMI PENDIDIKAN DAN KEWIRAUSAHAAN Jurnal Kewirausahaan dan Bisnis VOX EDUKASI: Jurnal Ilmiah Ilmu Pendidikan Jurnal Samudra Ekonomi dan Bisnis Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen) Jurnal Teknodik Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences JOURNAL OF ECONOMICS EDUCATION AND ENTREPRENEURSHIP Jurnal Kependidikan: Jurnal Hasil Penelitian dan Kajian Kepustakaan di Bidang Pendidikan, Pengajaran dan Pembelajaran Journal of Educational Sciences Magistrorum et Scholarium: Jurnal Pengabdian Masyarakat Jurnal Tatsqif Kelola: Jurnal Manajemen Pendidikan Dinamika Pendidikan
Destri Sambara Sitorus
Universitas Kristen Satya Wacana
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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Perang Dagang Amerika Serikat dan Tiongkok: Bagaimana Dampaknya Bagi Perekonomian Indonesia Tahun 2017 - 2020? Sitorus, Destri Sambara
Jurnal Pendidikan Ekonomi Undiksha Vol. 13 No. 1 (2021)
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/jjpe.v13i1.34192

Abstract

The trade war that began with the foreign policy of the President of the United States, Donald Trump, who imposed tariffs on goods from China, triggered China to retaliate against this policy with various other forms of protection. This has an impact on global economic growth, especially for countries that have a lot of cooperation with the two countries, including Indonesia. As for countries like Indonesia, which depend a lot on economic cooperation with the two countries, especially in the export and import sectors, it is certainly affected by their economic growth. This research is a descriptive qualitative study that aims to explain how the impact of the trade war between the United States and China on the Indonesian economy in 2017 - 2020 using foreign policy theory and the concept of protectionism. The results of the study show that the trade war between the United States and China has had a significant impact on the Indonesian economy, especially in the export sector and stock investment.
Bridging the Gender Gap in P2P Lending: How Financial and Digital Literacy with Entrepreneurial Orientation Drive MSME Success Mahastanti, Linda Ariany; Rita, Maria Rio; Sitorus, Destri Sambara
Jurnal Manajemen Bisnis Vol. 16 No. 2: September 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/mb.v16i2.26210

Abstract

Research Aims: This study investigates the impact of peer-to-peer (P2P) lending on the financial performance of micro, small, and medium enterprises (MSMEs) in Central Java, Indonesia, with a focus on gender-based sub-samples. While previous research has recognized P2P lending as an alternative financing source, this study uniquely explores the antecedent roles of financial literacy, digital literacy, and entrepreneurial orientation, and their consequences for financial performance.Design/Methodology/Approach: The research was conducted in Semarang Regency, Salatiga Municipality, and Surakarta Municipality, regions characterized by strong access to P2P platforms. Using purposive sampling, data was collected from 333 MSME respondents with prior P2P lending experience. Partial Least Squares Structural Equation Modeling (PLS-SEM) with moderation and a mediation analysis was employed to examine the relationships.Research Findings: The findings revealed that financial literacy and entrepreneurial orientation significantly influence P2P lending usage, whereas digital literacy does not. Gender does not generally moderate the relationships; however, a sub-sample analysis revealed that financial literacy plays a stronger role for women than men in accessing P2P lending. This indicates that female entrepreneurs rely more heavily on financial knowledge when making borrowing decisions. Overall, P2P lending use positively contributes to MSME performance.Theoretical Contributions/Originality: This study extends the Resource-Based View (RBV) Theory, conceptualizing financial and digital literacy as intellectual resources and entrepreneurial orientation as a strategic resource that enhances performance.Practitioner/Policy Implications: Policymakers must enhance MSME capabilities through financial literacy, entrepreneurial orientation, and digital literacy, in ensuring informed decisions, sustainable growth, innovation, adaptability, and stronger economic resilience.Research Limitations/Implications: A limitation included the lack of influence of digital literacy, suggesting that future research should incorporate the government’s role in addressing data security issues.
The Influence Of Financial Ratios On Banking Stock Prices: Economic Growth As An Intervening Factor (2019-2023) Agus Triwantoro; Bambang Ismanto; Destri Sambara Sitorus
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 3 (2025): Juli
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v13i3.8022

Abstract

This study aims to examine the effect of financial ratios CR, DER, and NPM on the stock price of banking companies through economic growth as an intervening variable. The method used is quantitative with fixed effect panel data regression analysis to investigate the factors that influence banking stock prices. The sample is limited to state-owned banks that consistently present quarterly financial reports from 2019 to 2023. The results showed that DER and NPM have an effect on economic growth. Meanwhile, CR has no effect on economic growth. NPM ratio and economic growth affect the share price of state-owned banks. However, CR and DER have no effect on the share price of state-owned banks. NPM affects stock prices through the intervening variable of economic growth. Meanwhile, CR and DER have no effect on stock prices through the intervening variable of economic growth.
Digital Personnel Systems: Navigating 21st Century Office Management Learning in Vocational Schools Tri Nugroho Budi Santoso; Lelahester Rina; Destri Sambara Sitorus
Dinamika Pendidikan Vol. 20 No. 2 (2025)
Publisher : Economics Education Department Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/dp.v20i2.32410

Abstract

Competency in Office Management and Business Services at Vocational Schools (SMK) in Indonesia faces the challenge of preparing skilled human resources for the digital age. Currently, learning remains suboptimal due to limited technological facilities and a curriculum that is not fully aligned with industry needs. Consequently, relevant digital learning media are required to improve students' competencies in line with 21st-century demands, integrating technology, automation, and connectivity. This research aimed to develop and test the feasibility of the Digital Human Resources System (SIKEDIG) as a learning tool for the Office Management and Business Services specialization.  The study employed a Research and Development (R&D) approach using the ADDIE model. Feasibility testing involved six experts and practitioners and used a 5-point Likert scale. The results indicated that SIKEDIG was rated as "Highly Feasible" by language experts (mean score 4.5) and practitioners (mean score 4.5), while information systems experts rated it as "Feasible" (mean score 4.2). Based on evaluation and feedback, SIKEDIG was enhanced with new dashboard features, including attendance and employee recruitment trends. In conclusion, this research successfully developed and validated SIKEDIG as a feasible digital learning tool for vocational office administration programs.
Analisis Strategi Bisnis pada Pabrik Tahu Mbah Djoyo Rostiana Rostiana; Sadjiarto Sadjiarto; Destri Sambara Sitorus
Jurnal Kewirausahaan dan Bisnis Vol 29, No 2 (2024): December
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/jkb.v26i2.52833

Abstract

Economic growth in the current era of globalization can be seen with the development of the business world in various fields. One of the efforts to support economic growth is by developing the Micro, Small and Medium Enterprises (MSME) sector. The role of MSMEs in Indonesia is very important, namely for the distribution of the population's economy and supporting the country's economic development. This study aims to determine the business strategy used by Mbah Djoyo Tofu Factory SMEs in developing their business. The business strategy includes production strategy and marketing strategy. The research approach used is a qualitative approach using descriptive analysis. The results of this study found that the business strategies carried out by Mbah Djoyo's Tofu Factory SMEs in developing their business included production and marketing strategies. The production strategy contributes well to the development of Mbah Djoyo's tofu factory SMEs as evidenced from the production stages, namely by selecting quality raw materials, using adequate production equipment to help the production process run effectively, minimizing production costs by using diesel engines and carrying out quality and supervision in the production process. production. However, there are still obstacles in the production strategy, namely limitations in obtaining husk fuel. While the marketing strategy of this business sells its products using a personal selling strategy and a humanistic approach. This is an obstacle in promoting its products because it is still carried out in a limited manner by relying on personal selling techniques and relationships with the community so that the marketing carried out is less effective.Keywords: business strategy, marketing, production, MSME
The Effect of Educational Infrastructure, Family Support, and Learning Environment on Motivation and Learning Independence of SMA Negeri 1 Okbibab Students Timotius T. M. Nalsa; Destri Sambara Sitorus; Bambang Ismanto
Journal of Educational Sciences Vol. 10 No. 7 (2026): Journal of Educational Sciences
Publisher : FKIP - Universitas Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31258/jes.10.7.p.1012-1026

Abstract

This study aims to analyze the direct and indirect effects of educational infrastructure, family support, and the learning environment on the learning motivation and learning independence of students at SMA Negeri 1 Okbibab. Driven by the low levels of student independence in remote areas, this quantitative study surveyed 105 students selected via proportional stratified random sampling. Data gathered through structured questionnaires were evaluated using path analysis. The structural model analysis revealed an exceptionally high variance explanation, with an adjusted R-squared  value of 0.996 for learning independence. Statistical results confirmed that the learning environment (β = 0.455) and learning motivation (β = 0.964) have dominant positive effects on learning independence. Conversely, educational infrastructure showed unique negative path coefficients on both motivation (β = -0.343) and learning independence (β = -0.569). This statistical anomaly indicates that underutilized or severely limited physical facilities in 3T frontier areas can induce learning frustration, meaning that internal drives and immediate support systems like family carry far more weight in forming student autonomy. In conclusion, enhancing education in remote regions requires balancing external structural investments with targeted internal psychological strategies to cultivate sustainable student motivation and independent learning initiatives.
Co-Authors Agus Triwantoro Agustin, Devi Amiruddin Amiruddin ANANDA SETIAWAN Arief Sadjiarto Bambang Ismanto Dwi Iga Luhsasi Dwi Ratnasari Faresta , Rangga Alif Feny Retno Kusumaningrum Fera Kristina Holpi Fikria Nanda Indah Lely Cristanti Ismail Ismail Kristiani Kristiani Lelahester Rina Linda Ariany Mahastanti Maria Rio Rita Mustofa, Achmad Okto Dwi Widyanto Roliana Manurung Rostiana Rostiana Sadjiarto Sadjiarto Siswandari Siswandari Timotius T. M. Nalsa Tri Nugroho Budi Santoso Tri Wida Yanti Tri Widiarto Yuliyanti Palulun