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All Journal Media Ekonomi dan Manajemen EKONOMIS : Journal of Economics and Business Jurnal Riset Entrepreneurship Madaniya ADPEBI International Journal of Business and Social Science
Eristy Minda Utami
Universitas Widyatama
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences

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PENINGKATAN INTENSI LOYALITAS WISATAWAN MELALUI PENGALAMAN BERWISATA CILETUH-PALABUHANRATU UNESCO GLOBAL GEOPARK Riski Taufik Hidayah; Eristy Minda Utami
Jurnal Riset Entrepreneurship Vol 6 No 1 (2023): (Edisi Pebruari) Volume 6, Nomor 1, Tahun 2023
Publisher : Universitas Muhammadiyah Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30587/jre.v6i1.5076

Abstract

Ciletuh-Palabuhanratu UNESCO Global Geopark (CPUGGp) has become the pride of the people of West Java because of its natural wealth, biological wealth, and community-cultivated wealth that creates tourism experience that never found in other touristarea. However, the level of tourist visits has continued to decreasesince the establishment of UNESCO Global Geopeark Ciletuh-Palabuhanratu status has been held on 17 April 2018. This situation deserves attention considering that the presence of Geopark should be able to improve the economy of people who live in the tourist area. The purpose of this research isto ascertain how the tourism experience can affect the loyalty intention of CPUGGP. The implication of this research is expected to be a reference for the Geopark Ciletuh management in order to develop Geopark as a tourist area that can provide economic benefits for the local community. The research method used is verification with tourists visiting CPUGGp in 2020 as research population. This study used Spearman rank correlation, coefficient of determination, and t-test with a significance level of 5% in conducting data analysis. This study found that there is an influence of tourism experience on loyalty intention of 75,2%
Edukasi Financial Technology Bagi Kader PKK Kampung Panyandaan, Desa Jambudipa, Kecamatan Cisarua, Kabupaten Bandung Barat Farida Nursjanti; Eristy Minda Utami; Siti Komariah; Gusni Gusni; Lia Amaliawiati; Reva Yuliani; Wahyu Panji Nugrahani
Madaniya Vol. 4 No. 2 (2023)
Publisher : Pusat Studi Bahasa dan Publikasi Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53696/27214834.460

Abstract

Pandemi COVID-19 semakin mempercepat transisi ke layanan keuangan digital dan memperkuat kebutuhan untuk transaksi digital tanpa kontak dan tanpa uang tunai. Layanan keuangan digital dan financial technology telah memungkinkan transaksi digital pada masa pandemi, serta pembayaran dan transfer yang lebih cepat dan lebih aman. Namun demikian sebagian masyarakat Indonesia belum memiliki rekening bank sehingga tidak dapat menggunakan layanan bank. Masyarakat yang tinggal di pedesaan dinilai belum dapat memanfaatkan financial technology dengan optimal dan relatif kurang memiliki akses memadai ke layanan keuangan. Penggunaan pinjaman online di Indonesia, sebagai salah satu penggunaan financial technology, didominasi oleh pengguna pinjol perempuan. Mayoritas pengguna pinjaman online, khususnya perempuan, belum memahami besarnya resiko pinjaman online yang tidak memiliki izin. Oleh karena itu kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan pemahaman para kader PKK mengenai financial technology dan meningkatkan pemahaman peserta mengenai daftar pinjaman online yang legal serta resiko yang diakibatkan pinjaman online yang ilegal. Adapun mitra dari kegiatan kepada masyarakat ini adalah kader PKK di Kampung Panyandaan Desa Jambudipa Kecamatan Cisarua Kabupaten Bandung Barat. Teknik pengumpulan datanya dilakukan dengan observasi, wawancara, dan dokumentasi. Dari kegiatan ini diharapkan dapat meningkatkan pemahaman kader PKK mengenai finansial teknologi, khususnya mengenai pinjaman online. Dengan peningkatan pemahaman yang telah diperoleh diharapkan para kader PKK dapat turut menyebarluaskan kepada masyarakat sekitar sehingga mereka dapat lebih memahami dan lebih berhati-hati terhadap pinjaman online ilegal.
Volatility Composite Index and Exchange Rates in Indonesia: EGARCH/TARCH Model for VAR Estimation Lia Amaliawiati; Gusni Gusni; Eristy Minda Utami; Farida Nursjanti; Siti Komariah
Ekonomis: Journal of Economics and Business Vol 7, No 2 (2023): September
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v7i2.1348

Abstract

Composite index and exchange rate are important indicators that represent a country's economic performance, where there is a relationship between the two. In this study, the ideal model to capture the volatility of the composite index and exchange rate will be determined. to investigate the dynamic dependency relationship between the composite index and the exchange rate, first use a Vector Autoregressive (VAR) model. The best model in describing the volatility of the composite index is the EGARCH model while the exchange rate is using the TARCH model. According to research, there is an asymmetry relationship between the volatility of stock returns and the exchange rate, which means that the market will react to bad news more quickly than good news. According to the VAR model, the present volatility is influenced by the volatility of the prior period and there is a one-way causal relationship between the composite index and the exchange rate.
Family Financial Education and Fintech as Determinants of Financial Behavior: The Mediating Role of Financial Literacy Eristy Minda Utami; Gita Genia Fatihat; John Henry Wijaya
ADPEBI International Journal of Business and Social Science Vol. 6 No. 1 (2026)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia (Adpebi)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/aijbs.v6i1.1785

Abstract

Purpose – This study aims to examine family financial education and Financial Technology (Fintech) as determinants of financial behavior, with financial literacy serving as a mediating variable among university students at Universitas Widyatama. Methodology/approach – This study adopted a data-driven methodology, employing a structured survey administered to students who interact with Fintech platforms and receive financial guidance from their families. The gathered data were examined through Partial Least Squares Structural Equation Modeling (PLS-SEM) to evaluate the measurement framework and explore structural associations, including mediation roles. Findings – The results indicate that both family financial education and Fintech significantly enhance financial literacy. Financial literacy significantly predicts financial behavior. Family financial education exerts both direct and indirect effects on financial behavior, demonstrating partial mediation. In contrast, Fintech does not directly predict financial behavior but operates entirely through financial literacy, indicating full mediation. These findings suggest structurally distinct pathways through which social and technological factors shape financial behavior. Novelty/value – This study integrates financial socialization and digital financialization perspectives within a single framework, demonstrating that financial literacy is the key mechanism that transforms both early socialization and digital exposure into responsible financial behavior. The findings show that access to digital financial services alone does not ensure financial capability.
Financial Knowledge and Social Influence on Generation Z Intention to Invest: The Mediating Role of Financial Attitude and Literacy Eristy Minda Utami; Gusni Gusni; Reva Yuliani; Gordana Pesakovic
Media Ekonomi dan Manajemen Vol 40, No 1 (2025): January 2025
Publisher : Fakultas Ekonomika dan Bisnis UNTAG Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/mem.v40i1.5378

Abstract

The growing impact of technology has attracted a greater number of people, especially Generation Z, to financial markets. Enhancing financial literacy and attitudes is essential for promoting informed investing choices. This research analyzes the impact of financial knowledge and social influence on Generation Z's investment aspirations, while accounting for the mediating functions of financial literacy and attitude. This research seeks to elucidate the mediating role of financial literacy and attitude in the interaction among financial knowledge, social influence, and investment intentions. A survey methodology was used with a sample size of 200 students enrolled in capital market courses at Widyatama University. The results demonstrate that financial knowledge and attitudes substantially affect investing intentions among Generation Z. Furthermore, financial acumen and social influence indirectly impact investing intentions via these mediating variables. These findings emphasize the need of thorough financial education to develop superior investing strategies among young individuals. Theoretical implications indicate that augmenting financial awareness and attitudes may significantly enhance investment decision-making among Generation Z.
Co-Authors Farida Nursjanti Gita Genia Fatihat Gordana Pesakovic Gusni . John Henry Wijaya Lia Amaliawiati Riski Taufik Hidayah Siti Komariah Wahyu Panji Nugrahani Yuliani, Reva