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All Journal Jurnal Ilmiah Telaah Manajemen Jurnal Mahasiswa Pasca Sarjana Students´ Journal of Accounting and Banking Proceeding SENDI_U Aptisi Transactions on Management Magisma: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Sistem Informasi, Manajemen, dan Akuntansi (SIMAK) JABI (Jurnal Akuntansi Berkelanjutan Indonesia) EconBank : Journal Economics and Banking Jurnal MENTARI: Manajemen, Pendidikan dan Teknologi Informasi Blockchain Frontier Technology (BFRONT)
Widhy Setyowati
Universitas STIKUBANK Semarang
Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Library & Information Science Mathematics Social Sciences Other

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Strategi Pendidikan Dasar untuk Menghadapi Tantangan Era Kurikulum Digital dengan Studi Empiris setyowati, Widhy; Jason Moscato; Chioke Embre
Jurnal MENTARI: Manajemen, Pendidikan dan Teknologi Informasi Vol 2 No 1 (2023): September
Publisher : Pandawan Sejahtera Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33050/mentari.v2i1.379

Abstract

Perkembangan teknologi informasi dan komunikasi telah membawa perubahan paradigma dalam dunia pendidikan. Era kurikulum digital menuntut adanya adaptasi dan strategi yang tepat dalam menyikapi tantangan baru dalam proses pembelajaran di tingkat pendidikan dasar. Penelitian ini bertujuan untuk menganalisis dan mengidentifikasi strategi pendidikan dasar yang efektif dalam menghadapi perubahan kurikulum digital, dengan menggunakan pendekatan studi empiris. Penelitian ini mengadopsi metode kualitatif dengan pendekatan studi empiris. Data dikumpulkan melalui observasi kelas, wawancara dengan guru dan siswa, serta studi dokumentasi terkait implementasi kurikulum digital di sekolah-sekolah dasar. Partisipan penelitian terdiri dari guru-guru dan siswa-siswa dari beberapa sekolah dasar yang telah mengimplementasikan kurikulum digital dalam proses pembelajaran.Penelitian ini memberikan kontribusi penting dalam merumuskan strategi pendidikan dasar yang efektif untuk menghadapi tantangan era kurikulum digital. Hasil temuan ini diharapkan dapat menjadi referensi bagi pihak-pihak terkait dalam memperbaiki sistem pendidikan dasar dan menyongsong masa depan pendidikan yang lebih inovatif dan adaptif dengan perkembangan teknologi
The Implementation of Blockchain Technology in the Education Sector Nur Wahid, Wahyu; setyowati, Widhy; Wahyu Sejati
Blockchain Frontier Technology Vol. 3 No. 2 (2024): Blockchain Frontier Technology
Publisher : IAIC Bangun Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34306/bfront.v3i2.447

Abstract

The development of technology, especially with the introduction of 5G cellular networks, has had a significant impact on ubiquitous computing. In this context, blockchain technology plays a crucial role by providing security assurance to operating systems through distributed ledgers. This research explores the applications of blockchain in education, focusing on solving issues in the teaching learning process, protecting intellectual property rights, certifying course credits, issuing digital certificates, and sharing resources. The research employs data collection methods, and the analysis of blockchain’s advantages and features, as well as its current applications, reveals its benefits in the field of education. The results and discussions reflect the challenges and potential of implementing blockchain technology, emphasizing the need for careful consideration regarding data security. The conclusion states that blockchain can be successfully applied in education, provided it is understood and implemented with precision. This significantly contributes to meeting the needs and demands of contemporary education.
Pengaruh Organizational Justice Terhadap Employee Innovative Work Behavior Dengan Knowledge Sharing Sebagai Mediasi (Studi Kasus BPJS Ketenagakerjaan Kantor Cabang Pasuruan) Priyanto, Teguh; Setyowati, Widhy; Sutanto, Himawan Arif
Magisma: Jurnal Ilmiah Ekonomi dan Bisnis Vol 12 No 2 (2024): MAGISMA:Jurnal Ilmiah Ekonomi dan Bisnis
Publisher : Magister Manajemen STIE Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/magisma.v12i2.412

Abstract

This study aims to analyze the effect of organizational justice on employee innovative work behavior with knowledge sharing as mediation. The population in this study were employees of BPJS Ketenagakerjaan Pasuruan Branch Office as many as 75 employees. The sampling technique used in this study is saturated sampling or census. Data analysis was performed with SEM-PLS. The results showed that organizational justice and knowledge sharing had a positive and significant effect on employee innovative work behavior of BPJS Employment Branch Office Pasuruan employees. Organizational justice has a positive and significant effect on knowledge sharing. Knowledge sharing mediates the relationship between organizational justice and employee innovative work behavior
The Influence of Financial Literacy and Risk Preferences on Cryptocurrency Investment Choices Megha Upreti; Stephanie; setyowati, Widhy
Blockchain Frontier Technology Vol. 4 No. 1 (2024): Blockchain Frontier Technology
Publisher : IAIC Bangun Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34306/bfront.v4i1.584

Abstract

This study aims to describe the overview of financial literacy, risk preferences, and investment decisions, as well as to analyze the influence of financial literacy and risk preferences on cryptocurrency investment decisions among millennials in Tangerang City. The research sample consisted of 95 respondents, selected using purposive sampling technique. Data was collected through a questionnaire with a Likert scale format. The collected data was then analyzed using Partial Least Square (PLS). The results indicate that financial literacy and risk preferences among cryptocurrency investors in Tangerang City are at a very high level. The high financial literacy and risk preferences positively contribute to cryptocurrency investment decisions. Hypothesis testing shows that both financial literacy and risk preferences have a positive and significant impact on cryptocurrency investment decisions. This study has implications for efforts to improve the rationality of cryptocurrency investment decisions to avoid undesirable losses, such as selecting cryptocurrencies with less volatile price fluctuations or diversifying portfolios by combining cryptocurrencies with conventional assets like stocks, bonds, or mutual funds.
The Influence of Mobile Banking Innovation and Fee-Based Income on the Value of Banking Firms Setiyono, Taufiq Andre; Setyowati, Widhy; Nurjanah, Wahdinii Widi
SIMAK Vol 22 No 02 (2024): Jurnal Sistem Informasi, Manajemen, dan Akuntansi (SIMAK)
Publisher : Faculty of Economics dan Business, Atma Jaya Makassar University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35129/simak.v22i02.558

Abstract

In today's world, banks are all about making life easier for their customers through technology. But shifting from traditional systems to these modern, innovative solutions isn't always a walk in the park. For banks to thrive in this competitive environment, they need to dive into digital transformation, like developing mobile banking apps and boosting fee-based income. This study looks at how these mobile banking innovations and fee-based income affect the value of banking firms on the Indonesia Stock Exchange (IDX) between 2021 and 2023. With 57 banks on the IDX as our study group, we used purposive sampling to pick our samples and multiple linear regression analysis with SPSS as our tool. The results show that mobile banking doesn't significantly impact the value of banking firms, but fee-based income does have a positive impact.
Literasi Keuangan Memoderasi Pengaruh Overconfidence dan Risk Aversion Terhadap Keputusan Investasi Emas Setyowati, Widhy; Setiyono, Taufiq Andre
JABI (Jurnal Akuntansi Berkelanjutan Indonesia) Vol. 8 No. 2 (2025): JABI (JURNAL AKUNTANSI BERKELANJUTAN INDONESIA)
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/JABI.v8i2.y2025.p195-208

Abstract

Gold is one of the precious metals highly sought after by investors. Its price tends to increase and is highly liquid. Investing in gold carries lower risks compared to investing in other types of assets. This research aims to prove the influence of overconfidence and risk aversion on gold investment decisions with financial literacy moderation. The object if this research was female employees in the formal sector in Semarang City. The sample was taken using accidental sampling technique with a total sample of 100. This research is used Smarts analysis technique. The research results provide that overconfidence has a significant positive effect on gold investment decisions, as well as risk avoidance has a significant positive effect on investment decisions. However, the test results prove that financial literacy doesn't moderate the influence of risk aversion on investment decisions or the influence of excessive confidence on investment decisions.
Menavigasi Risiko Pembelian Online: Persepsi Konsumen Dalam Lanskap E-Commerce Oktaga, Andreas Tigor; Setyowati, Widhy
Magisma: Jurnal Ilmiah Ekonomi dan Bisnis Vol 12 No 1 (2024): MAGISMA:Jurnal Ilmiah Ekonomi dan Bisnis
Publisher : Magister Manajemen STIE Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/magisma.v12i1.369

Abstract

E-commerce has changed the way consumers shop with convenience and access to a wide range of products. Qualitative research was conducted to understand how consumers specifically navigate risk, build trust, and deal with post-purchase psychological impacts in the e-commerce landscape. The research revealed that consumers perceive e-commerce as providing convenience and benefits in shopping, including time flexibility and diverse product choices. However, consumers are also aware of risks, such as product, delivery, data security and financial risks. Consumers exercise judgment by relying on product reviews, review ratings, and sales numbers to reduce risk or take risks. They manage risk by choosing familiar brands or stores and take active steps to deal with risks that may arise. The findings from this research provide valuable insights for e-commerce businesses with the aim of improving online transaction practices, minimizing risk uncertainty, and ultimately creating a more positive shopping experience for consumers. By understanding how consumers respond to risk and build trust, e-commerce businesses can better direct their efforts in creating a safer, more convenient and satisfying shopping environment
The Influence of Mobile Banking Innovation and Fee-Based Income on the Value of Banking Firms Setiyono, Taufiq Andre; Setyowati, Widhy; Nurjanah, Wahdinii Widi
SIMAK Vol. 22 No. 02 (2024): Jurnal Sistem Informasi, Manajemen, dan Akuntansi (SIMAK)
Publisher : Faculty of Economics dan Business, Atma Jaya Makassar University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35129/simak.v22i02.558

Abstract

In today's world, banks are all about making life easier for their customers through technology. But shifting from traditional systems to these modern, innovative solutions isn't always a walk in the park. For banks to thrive in this competitive environment, they need to dive into digital transformation, like developing mobile banking apps and boosting fee-based income. This study looks at how these mobile banking innovations and fee-based income affect the value of banking firms on the Indonesia Stock Exchange (IDX) between 2021 and 2023. With 57 banks on the IDX as our study group, we used purposive sampling to pick our samples and multiple linear regression analysis with SPSS as our tool. The results show that mobile banking doesn't significantly impact the value of banking firms, but fee-based income does have a positive impact.
The Role of Duty Complexity as a Moderation of the Influence Auditor's Professional Knowledge and Ethics on Audit Quality Setyowati, Widhy; Kurniawan, Pratomo Cahyo; Mardiansyah, Aditya; Harahap, Eka Purnama; Lutfiani, Ninda
APTISI Transactions on Management (ATM) Vol 5 No 1 (2021): ATM (APTISI Transactions on Management: January)
Publisher : Pandawan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33050/atm.v5i1.1483

Abstract

This study aims to analyze the effect of professional knowledge and auditor ethics to audit quality with task complexity as moderating variable. which consists of 80 respondents, data collection methods using questionnaires, data analysis methods using multiple linear regression analysis and data processing using SPSS application. From the results of the partial test, professional knowledge variable gives positive and significant effect to the quality of audit quality, as well as the auditor ethics variable that gives positive and significant effect to audit quality . Task complexity can not moderate the effect of professional knowledge to audit quality but task complexity as moderate variable the effect of auditor ethics to audit quality. Those variables simultaneously have the positive and significant influence to the audit quality
Determinants of Employee Performance with Work Motivation as an Intervening Variable at the Semarang City Search and Rescue Office Setyowati, Widhy; Sofingi, Aris; Setyowati, Widhi
APTISI Transactions on Management (ATM) Vol 6 No 1 (2022): ATM (APTISI Transactions on Management: January)
Publisher : Pandawan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33050/atm.v6i1.1638

Abstract

Employees are the main key in increasing productivity and the success of agency activities. Employees have an important role in reducing or minimizing the impact of loss or damage caused by a disaster. This study aims to analyse and empirically test the influence of leadership on employee work motivation, organizational culture on employee work motivation, leadership on employee performance, organizational culture on employee performance, work motivation on employee performance, work motivation in mediating the influence of leadership on employees. performance, and work motivation in mediating the influence of organizational culture on employee performance. The method in this study using the sampling method, the population in this study is the SAR Department of Semarang City. The research sample was 125 samples. The results show that leadership has a positive effect on work motivation, organizational culture has a positive effect on work motivation, leadership has a positive effect on performance, organizational culture has a positive effect on performance, work motivation has a positive effect on performance, leadership has a positive effect on performance through work motivation, and culture organization has a positive effect on performance through work motivation. The conclusion from the results of this study is that the leadership that has been carried out has a positive impact on employees at the Semarang City Search and Rescue Service
Co-Authors 08.05.52.0049 Maya Yuliandari 08.05.52.0084 Ratna Sari Kosviyanti 08.05.52.0113 Ekhsan Anggriawan 09.05.52.0001 Adimas Kuswandoko 09.05.52.0043 Ayu Kusumastuti 09.05.52.0164 Candra Dian Etika 09.05.52.0186 Rasma Kiranasari 10.05.52.0124 Djuni Setiana 10.05.52.0191 Tikaninda Kumaladewi 11.05.52.0014 Septian Indra Cahyo, 11.05.52.0014 11.05.52.0024 Okky Oktaviani, 11.05.52.0024 12.05.52.0109 Mita Septi Anggraeni, 12.05.52.0109 12.05.52.0198 Nur Azizah, 12.05.52.0198 12.05.52.0209 Retno Widhiyaningrum, 12.05.52.0209 12.42.02.0050 Yusi Irasanti, 12.42.02.0050 12.4202.0050 Yusi Irasanti 12.52.02.0181 Dista Aditya Putra, 12.52.02.0181 12.5202.0210 Mohammad Sapta Heriyawan, 12.5202.0210 1242020051 Joko Suprayoga 1352020032 Bima Eka Sakti, 1352020032 1352020106 Christina Hendri Padmi Meilia, 1352020106 Ade Lina Rosita Putri, 13.05.51.0170 Ade Lina Rosita Putri, 13.05.51.0170 Andreas Tigor Oktaga, Andreas Anis Maghfiroh, 14.05.52.0157 Anis Maghfiroh, 14.05.52.0157 Chioke Embre Dani Eka Pratiwi, 13.05.52.0179 Dani Eka Pratiwi, 13.05.52.0179 Dayanty, Annisa Dea Bilgis Pangesti, 14.05.52.0189 Dea Bilgis Pangesti, 14.05.52.0189 Efayuani, 13.05.52.0100 Efayuani, 13.05.52.0100 Eko Satriyo, 12.05.52.0217 Eko Satriyo, 12.05.52.0217 Harahap, Eka Purnama Himawan Arif Sutanto Isna Abid Faiz, 12.05.52.0218 Isna Abid Faiz, 12.05.52.0218 Isrorina Isrorina Jason Moscato Jenar Zharif Trihono, 13.05.52.0143 Lidia Asnawanti, 13.05.52.0087 Lidia Asnawanti, 13.05.52.0087 Mardiansyah, Aditya Megha Upreti Ninda Lutfiani Nugroho, Frasca Ardy Nur Wahid, Wahyu Nurjanah, Wahdinii Widi Padmi Meilia, Christina Hendri Pangesti, Dea Bilgis Pangesti, Dea Bilgis Pratomo Cahyo Kurniawan Priyanto, Teguh Rika Ayu Permatasari, 13.05.52.0101 Rika Ayu Permatasari, 13.05.52.0101 Safuan, Moh Setiyono, Taufiq Andre Setyowati, Widhi Sofingi, Aris Sofuan, Moh Stephanie Sulistiyono, Darmo Vernanda Ika D, 12.05.52.0060 Vernanda Ika D, 12.05.52.0060 Villa Puspitasari Indah Pertiwi, 12.05.52.0024 Villa Puspitasari Indah Pertiwi, 12.05.52.0024 Wahyu Sejati