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All Journal Jurnal Dinamika Ekonomi dan Bisnis Jurnal Inovasi Bisnis (Inovbiz) Jurnal Inovasi Hasil Pengabdian Masyarakat (JIPEMAS) Al-Kharaj: Journal of Islamic Economic and Business Management Studies and Entrepreneurship Journal (MSEJ) Golden Ratio of Finance Management
Anna Widiastuti
Universitas Islam Nahdlatul Ulama Jepara
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Other

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PENINGKATAN KINERJA USAHA MELALUI PENGUATAN PEMBELAJARAN KEWIRAUSAHAN DAN PERILAKU PROAKTIF KEUANGAN PELAKU USAHA MONEL Anna Widiastuti; Sulis Tari; Sania Septi F
Jurnal Dinamika Ekonomi & Bisnis Vol 18, No 2 (2021)
Publisher : Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jdeb.v18i2.2404

Abstract

AbstractThis study aims to determine the effect of entrepreneurial learning, which is seen from the individual learning approach and collective learning and financial proactive behavior on business performance. Research respondents are monel handicraft business actors in Jepara district, Central Java. By using multiple regression analysis, it is found that individual learning has a significant effect on proactive financial behavior, while collective learning has no significant effect on financial proactive behavior. And, financial proactive behavior also has a significant influence on the realization of business financial performance
Peningkatan Daya Saing UKM Rotan Indah Jepara Menuju Pasar Sasaran Ekspor A Khoirul Anam; Miftah Arifin; Anna Widiastuti; Zainul Arifin
Jurnal Inovasi Hasil Pengabdian Masyarakat (JIPEMAS) Vol 3, No 1 (2020): Jurnal Inovasi Hasil Pengabdian Masyarakat (JIPEMAS)
Publisher : University of Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (357.181 KB) | DOI: 10.33474/jipemas.v3i1.4777

Abstract

Rattan craft is one of the regional superior products in Jepara. Because the products have high quality, they are able to compete in the international market. However, the presence of rattan handicrafts also experienced ups and downs, both at local, national and international trade. Therefore, it is necessary to increase the competitiveness of rattan craftsmen through a mentoring program from the service program at SME of Rotan Indah Jepara. The strategic value of the assisted partner is increasing competitiveness towards the export market through approaches to the application of appropriate science and technology, enhancing the quality and quantity of production, and strengthening institutional capacity. The achievement of the target shows the accuracy of the assistance method used. Several programs have been carried out, including strengthening production equipment and implementing appropriate technology, strengthening product capacity and quality, strengthening marketing capacity, and strengthening corporate governance, compiling accounting systems and computerized financial reporting. The results of this program show that all the targets can be realized. The impact and benefits of this service program are social changes, effectiveness and increased productivity, in the form of increased sales turnover, changes in better work patterns, increased production capacity due to changes in work patterns, systems and technology used. Another added value is shown to be significant savings from good management patterns and more efficient production processes.
Analisis Kinerja Keuangan dengan Literasi Keuangan Syariah Sebagai Variabel Intervening Nurul Astutik; Anna Widiastuti
Inovbiz: Jurnal Inovasi Bisnis Vol 8, No 1 (2020)
Publisher : Politeknik Negeri Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (389.148 KB) | DOI: 10.35314/inovbiz.v8i1.1297

Abstract

Micro, Small and Medium Enterprises (MSMEs) have an important role for a country's economic development in addition to being able to absorb labor as well as its contribution to Gross Domestic Product (GDP), where MSMEs are the largest informal sector driver in Indonesia. One of the concerns of many countries is from the financial literacy that is owned, but for this research the sharia financial literacy dimension is used. This study aims to analyze the financial performance of ikat weaving in Troso Jepara through determinants namely  hopelessness, religiosity and financial satisfaction with intervening Islamic financial literacy. Primary data were obtained from the results of questionnaire responses submitted to 88 respondents and analyzed with SPSS. Determination of the number of samples using the Slovin formula with the Incindental Sampling technique. The results of the study found that hopelessness did not affect islamic financial literacy, while religiosity influenced islamic financial literacy at MSMEs, while financial performance was only financial satisfaction variables that had an influence on performance improvement at MSME Weaving Ikats in Jepara Regency
Social Media Influencers, Social Environment, Lifestyle, and Financial Management of Generation Z Laila Dina Nofiana; Anna Widiastuti
Golden Ratio of Finance Management Vol. 6 No. 2 (2026): April - September
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grfm.v6i2.2136

Abstract

This study explores the role of social media influencers, social environment, and lifestyle in shaping financial management behaviour among Generation Z. The rapid development of social media has increased young people's exposure to financial information, online consumption trends, and digital payment systems, which may influence how they manage their finances. This research employs a quantitative approach using a survey of 200 Generation Z respondents in Jepara Regency. Data were analysed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings indicate that social environment and lifestyle have a positive and significant influence on financial management behaviour, while social media influencers do not show a significant effect. These results suggest that interpersonal interactions and daily consumption patterns play a more important role in shaping financial behaviour than digital influencer exposure. The study provides practical implications for financial education programs by highlighting the importance of strengthening social support systems and promoting responsible lifestyle habits among young individuals.
The Role Of Perceived Trust In Mediating The Influence Of Fintech, Financial Influencers, And Investment Motivation On The Investment Decisions Of Ikatan Saham Pemula Members In Jepara Regency Muhammad Alfain Faza Zakiyya; Anna Widiastuti; Mohamad Rifqy Roosdhani
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 7 No. 5 (2026): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v7i5.11066

Abstract

This study aims to analyze the influence of FinTech, Financial Influencers, and investment motivation on investment decisions, positioning perceived trust as a mediating variable. The research focuses on members of the Beginner Stock Association (Ikatan Saham Pemula or ISP) in Jepara to understand the behavior of retail investors in a non-metropolitan area. This study employs a quantitative approach with an explanatory causal design. Data collection was conducted by distributing questionnaires to 100 respondents who are active members of ISP Jepara using a saturated sampling technique. The results indicate that FinTech, Financial Influencers, and investment motivation have a positive and significant direct effect on investment decisions. Furthermore, perceived trust has a positive and significant effect on investment decisions and was proven to significantly mediate the relationship between FinTech, Financial Influencers, and investment motivation with investment decisions. These findings indicate that trust is a crucial psychological mechanism that transforms technological convenience and social information into tangible investment actions for novice investors.
Strengthening Intention To Stay In Era Of Industry 4.0: Role Of Employee Skills And Mental Health In The Digital Work Wiwit Amalia; Ali; Anna Widiastuti
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.11117

Abstract

This study aims to analyze strategies for strengthening employee intention to stay in the Industry 4.0 era, focusing on the roles of employee skills and mental health, with digital transformation serving as a mediating variable at PT Safelock Medical. The methodology employs an explanatory quantitative design involving 125 employees with a minimum of one year of tenure who utilize the 'Akurat Online' system. Sampling was conducted using an incidental sampling technique, and data were analyzed using the SEM-PLS method via SmartPLS 4.0 software. The findings reveal that both employee skills and mental health have a positive and significant direct impact on the intention to stay. Furthermore, the study finds that mental health exerts a stronger influence on digital transformation compared to employee skills. However, hypothesis testing indicates that digital transformation does not significantly influence the intention to stay within this specific model. From a practical standpoint, PT Safelock Medical is advised to prioritize well-being programs to ensure the mental health resilience of employees in navigating the demands of a digital work environment. Keywords:Intention to Stay; Employee Skills; Mental Health; Digital Transformation
Co-Authors A Khoirul Anam Ali Laila Dina Nofiana Miftah Arifin Mohamad Rifqy Roosdhani Muhammad Alfain Faza Zakiyya Nurul Astutik Sania Septi F Sulis Tari Wiwit Amalia Zainul Arifin