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All Journal Jurnal Kedokteran Brawijaya Media Penelitian dan Pengembangan Kesehatan Jurnal Keuangan dan Perbankan Jurnal Pemberdayaan Masyarakat Madani (JPMM) Journal of Business and Behavioural Entrepreneurship Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah AL-TANZIM : JURNAL MANAJEMEN PENDIDIKAN ISLAM Performance Sarwahita : Jurnal Pengabdian Kepada Masyarakat Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah International Journal of Business, Law, and Education International Journal of Engagement and Empowerment (IJE2) International Journal of Education, Social Studies, And Management (IJESSM) Indonesian Collaboration Journal of Community Services (ICJCS) NUSRA: Jurnal Penelitian dan Ilmu Pendidikan International Journal of Multidisciplinary Research and Literature (IJOMRAL) International Journal of Social Science, Education, Communication and Economics Rahmatan Lil’alamin Journal of Community Services (RLA) Jurnal Penelitian Ilmu Pendidikan Indonesia Innovative: Journal Of Social Science Research Indonesian Journal of Advanced Research (IJAR) Jurnal Bisnis, Manajemen, dan Keuangan Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Cendikia: Jurnal Pendidikan dan Pengajaran International Journal of Applied Research and Sustainable Sciences (IJARSS) Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi Jurnal Ekonomi, Manajemen, Akuntansi Ulil Albab
Umi Widyastuti
Balai Besar Litbang Vektor dan Reservoir Penyakit Jl. Hasanudin No. 123 PO BOX 200, Salatiga, Indonesia
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PELATIHAN BUSINESS MODEL CANVAS SEBAGAI UPAYA MENINGKATKAN INTENSI BERWIRAUSAHA PADA SANTRI AL ASHRIYYAH NURUL IMAN ISLAMIC BOARDING SCHOOL, PARUNG, BOGOR Widyastuti, Umi; Suhud, Usep; Susita, Dewi; Parimita, Widya; Cedaryana, Cedaryana; Hamidah, Hamidah; Sariwulan, Tuty; Wastuti, Wahyu; Dewi, Monica; Waheeda, Umi
Indonesian Collaboration Journal of Community Services (ICJCS) Vol. 5 No. 3 (2025): Indonesian Collaboration Journal of Community Services
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/icjcs.v5i3.220

Abstract

This community service program aims to foster entrepreneurial intention among students of Al Ashriyyah Nurul Iman Islamic Boarding School in Waru Jaya Village, Parung, Bogor, through intensive training on the use of Business Model Canvas (BMC). Despite the increasing number of entrepreneurs in Indonesia, the country’s entrepreneurship ratio remains relatively low compared to neighboring Southeast Asian countries. This gap is evident within pesantren communities, which possess considerable economic potential but face challenges such as limited understanding of business planning tools, insufficient business management skills, and ineffective dissemination methods. The program addressed these challenges through a structured series of activities, including conceptual training, interactive workshops, mentoring by business practitioners, and dissemination of digital learning materials. The results demonstrated a significant increase in participants’ understanding and ability to apply the nine components of the BMC in real-world business contexts. Post-training assessments showed improved entrepreneurial confidence and intention among students. The initiative also encouraged collaborative action within the pesantren, including the formation of student entrepreneur groups and plans for sustainable business incubation. Overall, this program contributes to the development of a community-based entrepreneurial ecosystem and aligns with Sustainable Development Goals (SDGs), particularly in promoting quality education and reducing poverty through entrepreneurship education.
Determinan Digital Financial Inclusion pada Pengguna Digital Payment di Jabodetabek Pertiwi, Caroline; Widyastuti, Umi; Iranto, Dicky
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 1 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i1.21917

Abstract

Penelitian ini bertujuan untuk mengetahui faktor-faktor yang dapat memengaruhi inklusi keuangan digital dengan menggunakan metode kuantitatif. Responden dalam penelitian ini sebanyak 158 dengan kriteria pengguna digital payment yang tersebar di Jabodetabek. Penelitian ini menemukan bahwa pengetahuan keuangan, sikap keuangan, dan perilaku keuangan dapat berpengaruh positif signifikan terhadap inklusi keuangan digital. Selain itu, ditemukan juga hasil bahwa perilaku keuangan mampu memediasi pengaruh pengetahuan keuangan terhadap inklusi keuangan digital.
Analisis Penggunaan Digital Payment: Modifikasi Teori Technology Acceptance Model Indriyani, Reni; Widyastuti, Umi; Yusuf, Muhammad
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 3 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i3.22988

Abstract

Penelitian ini bertujuan untuk mengetahui apakah terdapat pengaruh antara variabel perceived ease of use, variabel perceived of risk, dan trust sebagai variabel mediasi terhadap digital payment usage khususnya aplikasi QRIS pada pelaku UMKM yang berlokasi di wilayah Jabodetabek dengan menggunakan modifikasi teori Technology Acceptance Model (TAM). Penelitian dilakukan dengan menggunakan metode penelitian kuantitatif dengan sumber data primer melalui penyebaran kuesioner yang dilakukan secara daring menggunakan Google Form. Sampel penelitian dipilih dengan menggunakan teknik convenience sampling. Kriteria sampel penelitian adalah UMKM yang menjadi merchant QRIS dan menggunakan QRIS sebagai alat pembayaran serta berlokasi di Jabodetabek. Jumlah sampel penelitian yang dikumpulkan sebanyak 224 sampel. Penelitian dilakukan dengan mengolah data menggunakan software SPSS 25 dan AMOS 26 dengan menggunakan model penelitian SEM-AMOS. Hasil penelitian menunjukkan terdapat tiga hipotesis yang diterima antara lain perceived ease of use berpengaruh positif terhadap trust, trust berpengaruh positif terhadap digital payment usage, dan perceived ease of use berpengaruh positif terhadap digital payment usage serta dua hipotesis yang ditolak yaitu, perceived of risk tidak berpengaruh terhadap trust dan perceived of risk tidak berpengaruh terhadap digital payment usage.
Pengaruh Literasi Keuangan dan Toleransi Risiko terhadap Niat Investasi pada Aplikasi Reksa Dana Ramadhani, Rania Aulia; Widyastuti, Umi; Mahfirah, Titis Fatarina
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 3 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i3.23315

Abstract

Penelitian ini bertujuan untuk menguji pengaruh variabel literasi keuangan dan variabel toleransi risiko terhadap variabel niat investasi dengan metode kuantitatif. Sampel dalam penelitian ini adalah berjumlah 128 orang dengan kriteria dalam usia produktif, berdomisili di Jabodetabek, memiliki penghasilan. Metode analisis data Partial Least Square - Structural Equation Model (PLS-SEM) menggunakan aplikasi Smart PLS versi 3.2.9. Hasil penelitian menunjukkan bahwa literasi keuangan berpengaruh positif signifikan terhadap niat investasi, toleransi risiko berpengaruh positif signifikan terhadap niat investasi, literasi keuangan berpengaruh positif signifikan terhadap toleransi risiko dan toleransi risiko memediasi pengaruh tidak langsung antara literasi keuangan terhadap niat investasi.
THE INFLUENCE OF MASTERING SOFT SKILL AND DIGITAL LITERACY ON THE WORK READINESS OF CLASS XII STUDENTS AT SMKN 30 JAKARTA Bilqiis, Allysya Lailla; Febriantina, Susan; Widyastuti, Umi
Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Vol. 2 No. 8 (2024): Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi
Publisher : Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research aims to determine and analyse the influence of mastery of soft skill and digital literacy on the work readiness of class XII students at SMKN 30 Jakarta. This type of research uses quantitative descriptive research. The population chosen by the researchers wa 173 class XII students majoring in culinary, hospitality and fashion design, class of 2023. Furthermore, the sample used was 119 students, where in determining this sample using the slovin formula with the purposive sampling method. The data in this study were analysed using multiple linear regression analysis and processed using the IBM SPSS Statistics 25 application. The result of this study used the t or partial test, soft skills have a significant influence on work readiness with a significant value of 4,259 > 1,980 and digital literacy has an influence which is significant for work readiness, the significant for work readiness, the significant value is 4,259 7,855 > 1,980 for class XII students at SMKN 30 Jakarta
PENGARUH ATTITUDE TOWARDS DONATION DAN PERCEIVED BEHAVIORAL CONTROL TERHADAP INTENTION TO DONATE MELALUI DESIRE TO DONATE PADA GENERASI MILENIAL DI JABODETABEK Zita, Alysa Aghna; Widyastuti, Umi; Krissanya, Nofriska
Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Vol. 2 No. 10 (2024): Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi
Publisher : Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.572349/neraca.v2i10.2538

Abstract

Penelitian ini bertujuan untuk mendapatkan data empiris dan fakta yang tepat serta dapat dipercaya tentang “Pengaruh Attitude & Perceived Behavioral Control terhadap Intention to Donate melalui Desire to Donate pada Generasi Milennial di Jabodetabek”. Penelitian telah dilakukan oleh peneliti terhadap 165 responden yang berdomisili di Jabodetabek pada generasi milenial (berusia 28 - 43 tahun), memiliki penghasilan, dan mengetahui platform crowdfunding online. Penelitian ini menggunakan model Structural Equation Modeling Partial Least Squares (SEM-PLS) yang didukung oleh software SmartPLS 3.0 untuk mengolah data penelitian. Setelah melalui tahapan analisis dan berbagai uji untuk mengevaluasi pengaruh antara konstruk dalam model dan menguji hipotesis terkait
Millennial’s Investment and Debt Behavior Hartina, Evita; Widyastuti, Umi; Nazir Ahmad, Gatot
International Journal of Social Science, Education, Communication and Economics Vol. 3 No. 2 (2024): June
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sj.v3i2.324

Abstract

This study examines the varying influences that Indonesian Millennial Generations bring to the relationship between behavior and views toward finance and their intentions for investments and debts. Financial literacy, risk perception, materialism, emotion, and religiosity are all influencing factors. 200 people participated in a quantitative method survey used in the methodology study. Using Smart-PLS version 4, SEM analysis is used to test the hypothesis. The findings of the study indicate that there is a significant relationship between financial literacy and both investment and debt intention. In addition, materialism has an impact on investment intention, while religiosity has an impact on debt investment. Aside from that, there is no influence from Religion, Emotion, or Risk Perception on Investment Intention; however, Materialism, Emotion, and Risk Perception do influence Debt Intention.
Impact of Good Corporate Governance on Financial Performance of State-Owned Businesses with Risk Management as A Moderating Variable Erliani, Eni; Widyastuti, Umi; Ulupui, IGKA
International Journal of Social Science, Education, Communication and Economics Vol. 3 No. 3 (2024): August
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sj.v3i3.350

Abstract

The objective of this study is to ascertain the impact of the six elements of good corporate governance on the financial performance of state-owned enterprises (SOEs), with risk management acting as a moderating variable. This study employs annual reports on state-owned enterprises (SOEs) listed in Appendix II of the Minister of State-Owned Enterprises Regulation Number PER/MBU/03/2021. The sampling technique employed was purposive sampling, with a research sample comprising 57 SOEs selected from all SOEs for the 2018-2022 period. The data were analyzed using panel data regression analysis with the STATA 17. The results indicated that the Shareholder Aspect had a positive and significant effect on the financial performance of SOEs. In contrast, the aspects of Commitment to Sustainable GCG Implementation, Board of Commissioners, Board of Directors, Disclosure and Transparency of Information, and other factors had no significant effect on the financial performance of SOEs. The findings indicate that risk management exerts a positive and significant influence on the relationship between the Board of Directors aspect and the financial performance of SOEs. Conversely, risk management exerts a negative and insignificant influence on the relationship between the Commitment to Sustainable GCG Implementation aspect, the Board of Commissioners, disclosure and transparency of information, and other factors and the financial performance of SOEs.
Optimasi Tingkat Kepuasan Mahasiswa Universitas Budi Luhur Melalui Pendekatan Analisis Faktor Hendrawan, Koen; Widyastuti, Umi; Sariwulan, Tuti; Yohana, Corry
NUSRA : Jurnal Penelitian dan Ilmu Pendidikan Vol. 5 No. 1 (2024): NUSRA: Jurnal Penelitian dan Ilmu Pendidikan, Februari 2024
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/nusra.v5i1.1982

Abstract

This research aim to evaluate of student satisfaction at Budi Luhur University. This approach involves identifying the factors that determine satisfaction and determining the factors that are most dominant in the quality of UBL Teaching and Learning, as well as looking for indicators that make up these dominant factors. Data for this research was obtained through distributing questionnaires to students from 4 faculties, with a total sample of 302 students. Data analysis was carried out using two main methods, namely Descriptive Analysis and Factor Analysis. The purpose of Descriptive Analysis is to provide a general description of the factors that influence student satisfaction with Budi Luhur University student learning activities. Meanwhile, Factor Analysis is used to identify the main factors that student satisfaction. The research results show that overall, students have a sufficient level of satisfaction with teaching and learning activities at Budi Luhur University. The most dominant factor in determining student satisfaction is tangible. Therefore, increasing student satisfaction can be increased by increasing other factors which level of mastery is still low. The implications of these findings can be used as a basis for developing strategies and improving student teaching and learning activities, to improve the student experience at Budi Luhur University.
Adaptasi MSLQ untuk Kesuksesan Mahasiswa: Eksplorasi Faktor Motivasi Belajar di Fakultas Ekonomi dan Bisnis Universitas Budi Luhur Kuncoro, Aris Wahyu; Widyastuti, Umi; Sariwulan, Tuty; Yohana, Corry
NUSRA : Jurnal Penelitian dan Ilmu Pendidikan Vol. 5 No. 1 (2024): NUSRA: Jurnal Penelitian dan Ilmu Pendidikan, Februari 2024
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/nusra.v5i1.1983

Abstract

This study aims to analyze the factors that influence Student Learning Motivation. Data collection using online forms with the Census method and the analysis method used is Exploratory Factor Analysis (EFA) with a Research Sample of 238 Students of the Faculty of Economics and Business Class of 2023. Based on the results of this study, 10 factors were obtained that influence student learning motivation, self-confidence factors, self-doubt factors, Intrinsic Motivation, Academic Motivation or Motivation to Learn, Emotions Related to Academic Achievement, Confidence in Academic Ability, Extrinsic and Intrinsic Motivation factors, Self-Confidence in Learning Ability, Knowledge Transfer Confidence. Confidence in Learning Ability. Based on the results of the analysis, it can be concluded that there are 10 factors out of 31 indicators that motivate student learning. Factors that influence students' learning motivation are self-confidence factors, self-doubt factors, Intrinsic Motivation, Academic Motivation or Motivation to Learn, Emotions Related to Academic Achievement, Confidence in Academic Ability factors, Extrinsic and Intrinsic Motivation factors, Self-Confidence in Learning Ability, Confidence Knowledge Transferability. Confidence in Learning Ability.
Co-Authors Abdul Mukti Soma Achmad Fauzi Adjie, Raditya Nuswantoro Agung Dharmawan Buchdadi Agus Wibowo Aris Wahyu Kuncoro Armeliza, Diah Asmaranti, Saskya Mely ATI SUMIATI, ATI Aulia, Aifa Lintang Bambang Heriyanto Bambang Heryanto Berutu, Meta Bara Bilqiis, Allysya Lailla Blondine Ch. P Cedaryana, Cedaryana Ch.P, Blondie Chandra, Sayyidatul Aisyah Abigail Alhabi Christian Wiradendi Wolor Corry Yohana Damar Tri Boewono Despinur Dara Destria Kurnianti Dewi Susita Dicky Iranto Dwita Darmawati Effendi, Mohammad Sofwan Erliani, Eni Ervina Maulida Etty Gurendrawati, Etty Ferrari Frisca, Dhea Gatot Nazir Ahmad Ghifari, Ezar Atira Anamta Hamidah . Hartina, Evita Hasan Boesri HENRY ERYANTO, HENRY Heryana, Toni Hidayat, Nurdin Ika Kartika Indiyastuti, Nurhayati Indra Pahala Indriyani, Reni Kamil, Muchammad Ichsan Kerans, Febrianus David Dagang Koen Hendrawan Krissanya, Nofriska Lajuni, Nelson Lenggogeni, Lenggogeni Lestari, Fitra Dila Lestari, Friska Aviyanti Lestari, Utami Puji Maemonah, Maemonah Mahfirah, Titis Fatarina Mardi Mardi Marwah, Siti Maylia Pramono Sari Mohidin, Rosle MONICA DEWI Muhammad Yusuf Mujiono Mujiono Muliasari, Indah Musyaffi, Ayatulloh Michael Nafiza Puspa Ayuningtyas Hapsari Nazir Ahmad, Gatot Nurshinta, Nurshinta Osly Usman Pertiwi, Caroline Purwana E.S., Dedi Rahmansyah, Moch. Fahrul Ramadhani, Rania Aulia Rd. Tuty Sariwulan Respati, Dwi Kismayanti Ristiyanto Ristiyanto Rosada, Maisya Sabrina Sabrina Safina, Putri Della Sarwin, Sarwin Setyo Ferry Wibowo Shandy Aditya, Shandy Sholahudin, Muhammad Sa’id Sibarani, Silvia Paula Artha Siti Maesaroh Suherman, Suherman Sunasa, Arman Aria Supargiyono Supargiyono Suparno Suparno SUSAN FEBRIANTINA, SUSAN Tri Baskoro T. Satoto Turrahmi, Kurnia Tuti Sariwulan, Tuti Ulupui, IGKA Usep Suhud Waheeda, Umi Wastuti, Wahyu Widiarti Widiarti Widya Parimita, Widya Yasmin, Eka Faradila Yuniarti, Puji Zahro, Khalisatuz Zita, Alysa Aghna