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All Journal Potensio Jurnal Mirai Management Jurnal Inovasi Hasil Pengabdian Masyarakat (JIPEMAS) Indonesian Journal of Community Services Revitalisasi : Jurnal Ilmu Manajemen Management Studies and Entrepreneurship Journal (MSEJ) EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Journal of Management - Small and Medium Enterprises (SME's) Studi Ilmu Manajemen dan Organisasi Bima Journal : Business, Management and Accounting Journal Golden Ratio of Finance Management INTERNATIONAL JOURNAL OF ECONOMICS AND MANAGEMENT REVIEW IIJSE SASI International Journal of Economics, Business and Innovation Research Journal of Social Science and Education Research Journal of Advanced Studies in Management
Anna Widiastuti
STIENU JEPARA
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Pengaruh Inklusi Keuangan, Literasi Keuangan, Modal Usaha Dan Pemanfaatan Media Sosial Terhadap Keberlanjutan UMKM Di Jepara Chudlori, Arif Rahman; Widiastuti, Anna
REVITALISASI : Jurnal Ilmu Manajemen Vol 14 No 2 (2025): REVITALISASI : Jurnal Ilmu Manajemen
Publisher : Universitas Islam Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32503/revitalisasi.v14i2.7887

Abstract

This study aims to analyze the influence of financial inclusion, financial literacy, venture capital, and social media utilization on the sustainability of Micro, Small, and Medium Enterprises (MSMEs) in Jepara Regency. The approach used in this study is quantitative with a survey method, where data is collected through distributing questionnaires to MSME actors. The population in this study is all MSME actors in Jepara Regency, totaling 81,909 business units. The sampling technique used random sampling, and the number of samples is determined using the Slovin formula with a 10% error rate, resulting in 100 respondents. Data analysis was carried out using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method. The results show that all independent variables, namely financial inclusion, financial literacy, venture capital, and social media utilization, have a positive and significant effect on the sustainability of MSMEs. This finding supports the Resource-Based View (RBV) theory, which states that optimal management of internal resources can increase competitiveness and business continuity. This research offers practical implications for MSMEs and local governments to strengthen access to financial services, improve financial literacy capacity, and utilize digital technology to support business sustainability. This study has limitations in coverage and sample size, so it is recommended that future research expand the population and consider a mixed-method approach to obtain more comprehensive results.
Bridging External Store Stimuli And Internal Psychological Drives To Increase Impulse Buying In Modern Stores Kumala Dwi, Shinta; ali; Widiastuti, Anna
International Journal of Economics, Business and Innovation Research Vol. 5 No. 01 (2026): December - January, International Journal of Economics, Business and Innovatio
Publisher : Cita konsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijebir.v5i01.2802

Abstract

This research aims to analyze the influence of product diversity on impulse buying behavior, with hedonic shopping motivation acting as a mediating variable within a modern retail environment. Amidst a significant shift in consumer behavior toward seeking experience and pleasure , this study addresses a research gap in the Southeast Asian market by examining how an extensive assortment of brands, sizes, and product qualities often exceeding 18,000 items captures consumer attention and triggers unplanned purchases. The methodology involves an empirical analysis of consumer responses to external store stimuli and internal psychological drives. Findings reveal that product diversity has a positive and significant effect on both impulse buying and hedonic shopping motivation. Furthermore, hedonic shopping motivation serves as a vital mediator, as the results indicate that a broad product range is most effective in driving impulse purchases when it successfully generates a pleasant emotional drive in the consumer. These results offer practical implications for retail managers, suggesting that to stabilize fluctuating transaction data and counter decreasing impulse buying frequency, they must focus on creating an emotionally stimulating shopping experience that enhances sensory satisfaction.
Dampak Literasi Keuangan, Preferensi Risiko dan Pendapatan Terhadap Keputusan Investasi Generasi Milenial Amelia, Shafira; Widiastuti, Anna
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 7 No 3 (2026): February 2026
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v7i3.9138

Abstract

This study aims to assess the extent to which financial literacy, risk preference, and income level influence investment decisions among millennials in Jepara Regency. The growing interest in investment among millennials has not been fully supported by adequate financial literacy and sustainable risk management capabilities. This study employs a quantitative approach with an associative design to examine the relationships among variables. The sample was determined using a purposive sampling technique, involving 150 respondents categorized as millennials who already have investment experience. Data were collected through a structured questionnaire and analyzed using the Partial Least Squares (PLS) method with SmartPLS software. The findings reveal that financial literacy and income have a positive and significant effect on investment decisions, while risk preference does not show a significant effect. The R-square value of 0.588 indicates that the three independent variables collectively explain 58.8% of the variance in investment decisions. These results support the Theory of Reasoned Action (TRA), which posits that behavior is shaped by intention influenced by attitude and subjective norms. In this context, financial literacy reflects the attitude toward investment behavior, whereas income represents the subjective norm associated with economic capacity. Practically, the findings underscore the importance of improving financial literacy and maintaining income stability to promote rational and sustainable investment behavior among millennials.
The Role Of Social Media Marketing And Performance Expectancy On Enrollment Decision At MAN 1 Jepara: Social Media Interaction And Enrollment Intention As Mediating Variables Setyani, Lusi; Ali, Ali; Widiastuti, Anna
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 7 No. 4 (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.v7i4.10484

Abstract

Social Media Marketing is currently one of the most important marketing strategies for both profit and non-profit businesses, including educational institutions or schools. This study aims to analyze the role of social media marketing and performance expectancy on enrollment decisions at MAN 1 Jepara, with social media interaction and enrollment intention as mediating variables, while the analytical tool used was Partial Least Squares Structural Equation Modeling (PLS-SEM). The results of the study indicate that the analysis of the direct influence of social media marketing and performance expectancy on enrollment decisions is proven to be acceptable. Likewise, the indirect influence of the variables of social media interaction and enrollment intention is proven to be acceptable. These findings confirm that madrasah marketing strategies need to emphasize not only the intensity of digital promotions, but also improving the quality of interactions and managing educational performance expectations to encourage prospective students' enrollment decisions. This research provides theoretical implications for the development of educational marketing studies and practical implications for madrasa administrators in designing more effective digital-based student admission strategies
THE INFLUENCE OF SOCIAL, LIFESTYLE, DIGITAL FINANCIAL LITERACY, AND EASE OF USE ON DIGITAL PAYMENT USE AMONG GEN Z Adawiyah, Irabi’ah Al; Widiastuti, Anna
Journal of Management Small and Medium Enterprises (SMEs) Vol 19 No 1 (2026): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v19i1.27400

Abstract

This study investigates the effects of social influence, lifestyle, digital financial literacy, and perceived ease of use on the adoption of digital payment methods among Generation Z in Jepara Regency. As a cohort widely recognized for its technological proficiency, Generation Z represents the primary user base of digital financial services. Employing a quantitative research design, data were collected through questionnaires distributed to 128 income-earning Gen Z respondents. The data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS 4 software. The results indicate that lifestyle and perceived ease of use have a positive and significant effect on digital payment adoption. Conversely, social influence and digital financial literacy do not show a significant impact. These findings suggest that Generation Z’s adoption of digital payment systems is driven mainly by practical considerations and digitally oriented lifestyles rather than social pressure or financial knowledge. This study contributes to the understanding of young generations’ financial behavior in the digital era and offers insights for the development of more user-oriented digital financial services, as well as directions for future research. Keywords: Digital payment; Generation Z; Lifestyle; Digital financial literacy; Ease of Use
Peningkatan Kinerja Keuangan UMKM: Peran Literasi Keuangan, Inklusi Keuangan, Teknologi Keuangan Di Era Digital Nilamsari, Meysa Ayu; Widiastuti, Anna
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 7 No 3 (2026): February 2026
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v7i3.9139

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play an important role in supporting Indonesia’s economic growth. However, many MSME actors still face challenges in financial management, particularly in terms of financial literacy, financial inclusion, and the utilization of financial technology. This study aims to analyze the effects of financial literacy, financial inclusion, and financial technology on the financial performance of wood carving MSMEs in Jepara Regency. The method used is a quantitative approach with a survey conducted on 200 respondents selected using accidental sampling from a population of 5,327 business units. Data were collected through questionnaires and analyzed using SmartPLS 4. The results show that financial literacy has a positive and significant effect on financial performance, with a coefficient value of 0.298 and a significance level of 0.000. Financial inclusion also has a positive and significant effect, with a coefficient value of 0.170 and a significance level of 0.014. Financial technology has a positive and significant effect, with a coefficient value of 0.230 and a significance level of 0.000. An R-square value of 0.255 indicates that these three variables can explain 25.5% of the variation in MSMEs’ financial performance. These results emphasize the importance of improving financial literacy, expanding access to formal financial services, and utilizing digital technology to support the sustainability and competitiveness of MSMEs.
Customary Law as a Pathway to Social Justice: A Comparative Analysis of Corporate Social Responsibility and Performance Requirements in Indonesian and Vietnamese Foreign Investment Frameworks Arifin, Miftah; Arifin, Zainal; Widiastuti, Anna; Ismanto, Hadi; Giang, Vu Le
SASI Volume 32 Issue 1, March 2026
Publisher : Faculty of Law, Universitas Pattimura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47268/sasi.v32i1.3425

Abstract

Introduction: Economic globalization has strengthened foreign investment flows in developing countries such as Indonesia and Vietnam. However, investment policy orientations that overemphasize economic efficiency often ignore social justice for local communities. This inequality raises the need to revisit the legal framework that governs the relationship between foreign investors and the recipient community. Customary law is seen as a source of values and moral principles that can strengthen social legitimacy in the practice of foreign direct investment (FDI).Purposes of the Research:  This study aims to analyze how customary law can play a role in restoring social justice through the implementation of corporate social responsibility (CSR) and performance requirements in foreign investment, by comparing the legal frameworks of Indonesia and Vietnam, this study seeks to find a model of customary law integration that is able to balance economic interests with the social and cultural values of local communities.Methods of the Research: This study uses a normative-comparative legal approach by analyzing laws and regulations, policy documents, and CSR implementation practices in Indonesia and Vietnam. Data was collected through literature studies and content analysis of various primary and secondary legal sources. A comparative approach is used to identify similarities and differences in the application of customary law as the basis for foreign investment policies in both countries.Results of the Research: The results of the study show that Indonesia has adopted customary law principles, such as mutual cooperation and social justice, within the legal framework of CSR and investment performance requirements. In contrast, Vietnam still emphasizes socialist state policies without explicit recognition of local customary law values. The integration of customary law has been proven to strengthen the social legitimacy and sustainability of investments, as it fosters corporate social responsibility that is in line with community values and promotes more equitable and inclusive development.
Millennials' Investment Interest in Quick Response Code Indonesian Standard Khoiriyah, Ulla Ulfatin; Widiastuti, Anna
Studi Ilmu Manajemen dan Organisasi Vol 7 No 1 (2026): April
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/simo.v7i1.6194

Abstract

Purpose: This study aims to examine the influence of financial literacy, trust level, and service quality on millennials’ investment interest in the QRIS platform in Jepara Regency, Indonesia. Methodology/approach: This research employs a quantitative approach using survey data collected from 160 millennial respondents selected through random sampling method. Data were obtained using Likert-scale questionnaires that met the validity and reliability criteria. The collected data were analyzed using multiple linear regression with SmartPLS software to evaluate the relationships between variables. Results/findings: The findings indicate that financial literacy and trust have a positive and significant effect on millennials’ investment interest in the QRIS platform. Financial literacy emerged as the most dominant factor influencing investment interest, followed by trust level. In contrast, service quality has a positive but insignificant effect. These results suggest that cognitive understanding of financial management and confidence in platform security play a more critical role than technical service attributes in shaping digital investment behaviors. Conclusions: Millennials’ investment interest in the QRIS platform is primarily driven by financial literacy and trust rather than service quality. This confirms that psychological and cognitive factors are the central determinants of digital investment behavior among millennials. Limitations: This study is limited to millennial respondents in Jepara Regency and focuses only on three independent variables, which may restrict the generalizability of the findings to other regions. Contributions: This study provides empirical evidence of investment behavior within the QRIS platform, highlighting its unique role beyond digital payments. The findings offer practical insights for policymakers and financial service providers to enhance millennials’ investment participation through improved financial literacy and trust-building.
The Contribution of Financial Literacy, Lifestyle, and Fintech to Generation Z Financial Management in Jepara Sekarsari, Aulya Pratiwi; Widiastuti, Anna
Studi Ilmu Manajemen dan Organisasi Vol 7 No 1 (2026): April
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/simo.v7i1.6200

Abstract

Purpose: This study aimed to analyze the role of financial literacy, lifestyle, and financial technology in shaping the financial management of Generation Z in Jepara Regency. Research Methodology: A quantitative survey was conducted with 180 Generation Z respondents selected through random sampling using a structured, online questionnaire. Data were analyzed using partial least squares-structural equation modeling with SmartPLS software. This method was chosen for its ability to test complex relationships, support predictive analysis, and provide practical model interpretations for policy and program development. Results: Financial literacy positively and significantly affects financial management behavior and is the strongest factor. Fintech usage also has a positive and significant effect, whereas lifestyle has no significant relationship with financial management. The model explains 37.1% of the variance in financial-management behavior. Conclusions: Financial literacy and effective use of digital financial services are key to improving financial management among Generation Z. Lifestyle alone does not explain financial management behavior without financial knowledge. Limitations: This study is limited by its cross-sectional design and focus on a single geographic area, which may limit the generalizability of the findings across different regions and periods. Contributions: This study emphasizes practical contributions by providing clear guidance for policymakers, educational institutions, and financial technology providers to design targeted financial literacy programs, integrate digital financial education into youth initiatives, and develop fintech services that promote responsible financial behavior among Generation Z, particularly in non-urban contexts.
The Effect of Influencer Marketing and Online Customer Reviews on Purchase Decisions of Local Running Shoes: The Mediating Role of Perceived Value and Perceived Trust Faishol, Rudy; Widiastuti, Anna; Roosdhani, Mohammad Rifqy
Jurnal Mirai Management Vol 11, No 1 (2026)
Publisher : STIE AMKOP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/mirai.v11i1.11702

Abstract

The rapid advancement of digital technology has fundamentally transformed the way consumers interact with markets and brands. This transformation indicates a significant shift in consumer consumption behavior toward digital environments, where purchase decisions are increasingly influenced by online information, user-generated reviews, and digital promotional content. This study aims to examine the effects of influencer marketing and online customer reviews on purchase decisions, with perceived value and perceived trust serving as mediating variables. The research employs an explanatory quantitative approach involving 190 respondents from the young adult demographic aged 20–40 years in Jepara Regency, who have purchased, used, and/or owned local running shoes. Respondents were selected using purposive sampling, and data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The results indicate that influencer marketing and online customer reviews do not have a significant direct influence on purchasing decisions. The influence of influencer marketing on purchasing decisions operates through the formation of perceived trust. Meanwhile, the influence of online customer reviews on purchasing decisions operates through the formation of perceived value and perceived trust. These findings strengthen consumer behavior theory and perceived value theory by positing perceived value and perceived trust as important mediating mechanisms that transform marketing stimuli into actual purchase decisions by local running shoe consumers.
Co-Authors Adawiyah, Irabi’ah Al Ali Ali Ali Amelia, Shafira Amrullah, M.Faris Anam, A Khoirul Azizah, Shintanur Chudlori, Arif Rahman Dewi Hastuti Faishol, Rudy Giang, Vu Le Hadi Ismanto Hanun, Rias Untian Khoiriyah, Ulla Ulfatin Kumala Dwi, Shinta Miftah Arifin Misbakhuddin, Agam Munna, Navis Nailil Nilamsari, Meysa Ayu Priscilla, Ananda Purnama Agustina, Intan Purnama Agustina Riyoko , Sisno Roosdhani, Mohammad Rifqy Sekarsari, Aulya Pratiwi Setyani, Lusi Sisno Riyoko Zainal Arifin Zainul Arifin