Claim Missing Document
Check
Articles

PENGARUH LITERASI KEUANGAN, LOCUS OF CONTROL DAN GAYA HIDUP PADA SAVING BEHAVIOR CASHLESS SOCIETY Widia, Syam; Witiastuti, Rini Setyo; Ardiansari, Anindya; Ridloah, Siti; Prihandono, Dorojatun
Media Riset Bisnis & Manajemen Vol. 23 No. 2 (2023): Sptember
Publisher : Universitas Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/v23i2.20199

Abstract

Penelitian ini bertujuan untuk menguji peranan literasi keuangan, locus of control dan gaya hidup pada perilaku menabung kaum milenial dan generasi Z. Data penelitian ini adalah data primer, dimana pengambilan data menggunakan kuesioner ditujukan kepada kaum milenial dan generasi Z di Kota Semarang. Analisis data menggunakan SEM PLS. Hasil penelitian menunjukkan bahwa literasi keuangan tidak berpengaruh pada kebiasaan menabung generasi cashless di Kota Semarang. Namun, Locus of control dan gaya hidup berpengaruh signifikan terhadap kebiasaan menabung cashless society di Kota Semarang. Berdasarkan hasil nilai R square menunjukkan pengaruh dari variabel literasi keuangan (X1), locus of control (X2) dan gaya hidup (X3)) terhadap saving behavior (Y) adalah sebesar 33,9%.
Partnership Synergy for Improving Farmers' Economy in Sepakung Village, Semarang Regency Widia, Syam; Witiastuti, Rini Setyo; Abiprayu, Kris Brantas; Wicaksari, Erisa Aprilia; Mudrikah, Saringatun
Jurnal Pengabdian Masyarakat Vol. 6 No. 1 (2025): Jurnal Pengabdian Masyarakat
Publisher : Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32815/jpm.v6i1.2371

Abstract

Purpose: The main purpose of this service activity is to provide training on the development of business partnership networks that can open up more potential market opportunities, as well as have a positive impact on increasing the income of guava farmers in Sepakung Village. With the formation of a good partnership, it is hoped that a faster and more targeted business scheme can be built and be able to offer more competitive prices in the market. Method: The service methods carried out are: Needs Assessment, Development, Cooperation Exploration, Monitoring, and Evaluation. Practical Application: The results of the community service program show a positive impact on increasing the understanding of guava farmers regarding the development of partnership networks and marketing strategies. This increase in understanding can be seen from the results of the pre-test and post-test which showed a significant increase in various indicators. This shows that the training provided has successfully equipped farmers with practical skills that can be directly applied to expand market access, establish wider partnerships, and maximize profits from crops. Conclusion: Based on the results of community service activities in Sepakung Village, Semarang Regency, this program has succeeded in improving the understanding and skills of guava farmers in the development of partnership networks and marketing strategies. Pre-test and post-test data showed a significant increase, especially in the use of social media for promotion. The understanding of marketing strategies and market analysis has also improved.
Pendampingan pemasaran digital melalui penggunaan digitalisasi koperasi bagi pemilik UMKM di Desa Kalisidi Prihandono, Dorojatun; Airyq, Irnin Miladdyan; Wijaya, Angga Pandu; Witiastuti, Rini Setyo; Kamilia, Nurul
SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Vol 9, No 4 (2025): Juli
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jpmb.v9i4.32471

Abstract

Abstrak Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan kapasitas pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) di Desa Kalisidi dalam bidang pemasaran digital sebagai bagian dari upaya mendukung pencapaian Sustainable Development Goals (SDGs) di tingkat desa. Masalah utama yang dihadapi UMKM setempat adalah keterbatasan dalam mengakses teknologi digital, rendahnya literasi digital, serta kurangnya pemahaman mengenai strategi pemasaran modern. Kegiatan pengabdian dilakukan dengan bentuk pemaparan materi dan group coaching yang melibatkan 44 pelaku UMKM, dengan fokus pada teknik branding, pemanfaatan media sosial, serta penggunaan aplikasi koperasi digital sebagai platform promosi bersama. Hasil kegiatan menunjukkan bahwa peserta mengalami peningkatan pemahaman dan keterampilan dalam mengembangkan strategi pemasaran digital serta mampu menggunakan aplikasi koperasi digital secara mandiri. Kegiatan ini juga menekankan pentingnya aspek peningkatan literasi digital dan penguatan infrastruktur desa untuk meningkatkan keberlanjutan UMKM melalui pemasaran digital. Pengabdian ini menekankan pentingnya sinergi serta kolaborasi antar pelaku UMKM dan mitra eksternal untuk mewujudkan ekosistem ekonomi desa yang inklusif dan berkelanjutan. Kata kunci: UMKM; pemasaran digital; koperasi digital; SDGs Desa. Abstract This community engagement initiative aims to build the digital marketing capacity of Micro, Small, and Medium Enterprises (MSMEs) in Kalisidi Village as part of broader efforts to advance the Sustainable Development Goals (SDGs) at the village level. Local MSMEs face key challenges, including limited access to digital technologies, low digital literacy, and a lack of familiarity with contemporary marketing strategies. The program was delivered through a combination of instructional sessions and group coaching involving 44 MSME participants, with a focus on branding, effective use of social media, and the adoption of a digital cooperative platform for collective promotion. The results show that participants improved their understanding and skills in digital marketing and demonstrated the ability to use the digital cooperative application independently. The program also emphasizes the importance of enhancing digital literacy and strengthening rural infrastructure to support the long-term sustainability of MSMEs through digital channels. Furthermore, it highlights the critical role of collaboration between MSMEs and external partners in fostering an inclusive and resilient local economic ecosystem. Keywords: MSMEs; digital marketing; digital cooperatives; rural SDGs.
Non-Linear Effects of Political Connections on Corporate Investment and the Moderating Role of Cash Holdings in Indonesian SOEs Wicaksari, Erisa Aprilia; Rini Setyo Witiastuti; Kris Brantas Abiprayu; Nabila Rifa Hanifah
Management Analysis Journal Vol. 13 No. 2 (2024): Management Analysis Journal
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/maj.v13i2.31681

Abstract

This study investigates the complex relationship between political connections and corporate investment, focusing on state-owned enterprises (SOEs) in Indonesia during the period 2018–2021. Drawing on agency theory and political economy frameworks, the research proposes a non-linear (inverted U-shaped) effect of political ties on firm-level investment decisions. Furthermore, the study examines the moderating role of cash holdings, positing that financial slack amplifies both the benefits and drawbacks of political affiliations. Using panel regression models with fixed effects, the analysis reveals a significant inverted U-shaped relationship between political connection intensity and investment levels, confirming the hypothesized non-linearity. Additionally, interaction terms show that cash holdings strengthen this non-linear pattern: firms with higher cash reserves are more sensitive to both the enabling and distortionary effects of political connections. These findings are robust to alternative specifications and contribute to the understanding of political capital’s nuanced role in corporate finance, especially within hybrid political-economic systems like Indonesia’s. The results suggest that while political connections may serve as strategic assets under certain conditions, they can also generate inefficiencies when unchecked.
Analisis Monday Effect dan Rogalski Effect di Bursa Efek Jakarta Cahyaningdyah, Dwi; Witiastuti, Rini Setyo
JDM (Jurnal Dinamika Manajemen) Vol 1, No 2 (2010): September 2010
Publisher : Department of Management, Faculty of Economics and Business, Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jdm.v1i2.2471

Abstract

Penelitian ini bertujuan untuk menguji pengaruh hari perdagangan di Bursa Efek Indonesia dengan menggunakan 70 saham yang aktif di perdagangkan selama periode penelitian 2004-2006. Teknik sampling menggunakan purposive sampling dengan kriteria sampel adalah saham-saham yang aktif diperdagangkan selama periode penelitian. Pengujian hipotesis menggunakan regresi dengan variable dummy. Hasil penelitian mengindikasikan bahwa ada pengaruh hari perdagangan terhadap return saham di Bursa Efek Indonesia. Return tertinggi terjadi pada hari Jumat dan return terendah pada hari Senin. Dengan hasil tersebut, dapat dikatakan penelitian ini berhasil mengidentifikasi adanya Monday effect dan weekend effect. Pengujian Rogalski effect menunjukkan bahwa Rogalski effect terjadi pada bulan April. The paper investigates the day of the week effect in Indonesia Stock Exchange by using 70 active stocks during the period of 2004-2006. Sampling technique uses purposive sampling and the criteria of the sample is stocks which are trading actively during the period of study. Regression with dummy variables are use to test the hypothesis.  The findings indicate that there is a day of the week effect in Indonesia  Stock exchange, the highest returns are observed on Friday and the lowest returns are observed on Monday. It can be said that this study can identify Monday effect and weekend effect in Jakarta Stock Exchange. The Investigation about Rogalski effect  in JSX find that Rogalski effect presents in April.  Monday’s return being positive in April and remain negative in the other months, so Monday effect disappeared in April.
Analisis Kinerja Portofolio: Pengujian Single Index Model dan Naive Diversification Setyo Witiastuti, Rini
JDM (Jurnal Dinamika Manajemen) Vol 3, No 2 (2012): September 2012
Publisher : Department of Management, Faculty of Economics and Business, Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jdm.v3i2.2440

Abstract

Penelitian ini bertujuan untuk menganalisis sebuah model berprientasi mengontrol. Studi ini bertujuan untuk menguji perbedaan antara return dan risiko portofolio model indeks tunggal dengan metode naïve diversification dalam sampel kecil. Sebanyak 42 emiten yang tercatat di Bursa Efek Indonesia diambil sebagai sampel berdasarkan metode purposive sampling. Metode statistik yang dipakai adalah paired sample t-test. Kesimpulan model indeks tunggal dengan strategi I, II, III, V, and VI, menunjukkan tidak ada perbedaan yang signifikan antara return portofolio model indeks tunggal dengan return portofolio metode naïve diversification. Tetapi, untuk model indeks tunggal menggunakan strategi IV, return portofolio model indeks tunggal berbeda secara signifikan dengan return portofolio metode naïve diversification. Risiko portofolio model indeks tunggal berbeda secara signifikan dengan risiko portofolio metode naïve diversification, dalam sample kecil, kinerja portofolio baik model indeks tunggal maupun metode naïve diversification sama-sama inferior. This study evaluated the difference between portfolio’s return and portfolio’s risk of single index model and naïve diversification method, applying in small sample settings. As much as 42 firms listed in the Indonesia Stock Exchange were taken as sample using purposive sampling method. The statistical method uses in this study is paired sample t-test. The result of this study shows that  for single index model using strategy I, II, III, V, and VI , there is no difference significantly between the portfolio’s return of single index model toward portfolio’s return of naïve diversification method. But, for single index model using strategy IV, the portfolio’s return of single index model is different significantly toward portfolio’s return of naïve diversification method The portfolio’s risk between single index model toward portfolio’s risk of naïve diversification method is different significantly, In small sample settings, both of portfolio’s performance of single index model and portfolio’s performance of naïve diversification method is inferior.
Optimasi diversifikasi olahan pangan dalam manajemen industri di desa Branjang kabupaten Semarang Yulianto, Arief; Witiastuti, Rini Setyo; Putri, Vini Wiratno; Wicaksari, Erisa Aprilia
SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Vol 8, No 3 (2024): September
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jpmb.v8i3.25445

Abstract

AbstrakPengabdian kepada masyarakat ini bertujuan untuk meningkatkan daya saing industri bagi UMKM di Desa Branjang, Kabupaten Semarang di tengah persaingan Industri yang sangat ketat dan perubahan lingkungan yang pesat. Kegiatan ini diinisiasi dengan adanya permasalahan berkaitan dengan keterampilan yang masih terbatas yang disebabkan oleh kurangnya pengetahuan dan pelatihan sehingga kualitas produk olahan pisang yang dihasilkan masih belum memenuhi standar. Metode yang digunakan dalam pengabdian masyarakat ini adalah dengan memberikan pelatihan kepada masyarakat dengan beberapa tahapan yaitu tahapan koordinasi pelaksanaan kegiatan dengan mitra, tahapan penyusunan rencana kerja, tahapan sosialisasi dan pelatihan, tahapan pendampingan dan tahapan monitoring dan evaluasi. Kegiatan ini diselenggarakan secara offline di Balai Desa Branjang, Kabupaten Semarang. Hasil dari kegiatan pengabdian ini adalah peserta dapat menghasilkan inovasi baru dari bahan baku pisang dan diharapkan dapat meningkatkan kemampuan mitra dalam mengolah pisang sehingga produk yang dipasarkan dapat diterima dengan baik oleh konsumen. Kata kunci: daya saing industri; rencana kerja; kualitas produk. Abstract This community service aims to enhance the industrial competitiveness of MSMEs in Branjang Village, Semarang Regency, amidst very tight industrial competition and rapid environmental changes. This activity was initiated due to problems related to limited skills caused by a lack of knowledge and training, resulting in the quality of banana processed products that do not yet meet standards. The method used in this community service involves providing training to the community through several stages: coordination of activity implementation with partners, preparation of work plans, socialization and training, mentoring, and monitoring and evaluation stages. This activity is conducted offline at the Branjang Village Hall, Semarang Regency. The result of this community service is that participants can produce new innovations from banana raw materials and are expected to improve the partners' ability to process bananas so that the marketed products can be well received by consumers. Keywords: industrial competitiveness; work plan; product quality.
Enhancing Local Economic Growth through Digital Cooperative-Based MSME Development in Support of the Village SDGs Program Prihandono, Dorojatun; Airyq, Irnin Miladdyan; Wijaya , Angga Pandu; Witiastuti, Rini Setyo; Putri, Vini Wiratno
Indonesian Journal of Devotion and Empowerment Vol. 1 No. 1 (2025): Special Issue
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/ijde.v1i1.33180

Abstract

MSMEs are an integral part of advancing the rural economy and realizing the SDGs at the grassroots/village level. Many rural MSMEs often seem not to feel the full impact of this potential, as they are hindered by a lack of digital literacy, limited application of marketing strategies, and only weak ties to the economy. The primary objective of this program is to enhance the economic potential of MSMEs in Kalisidi Village, West Ungaran District, Semarang Regency, by utilizing an online cooperative application. A total of 30 MSMEs in Kalisidi Village participated in a community service program that included explanations and group coaching. Some of these activities included community training, presentations, and simulated use of a digital platform for a cooperative. The findings indicated that the trainees developed a deeper understanding of digital marketing and had high confidence in leveraging technology to conduct business. The digital platform also established an integrated business environment for MSMEs, facilitating collaboration in branding, shared resource deployment, and new market entry. This initiative demonstrates that implementing a digital cooperative model can effectively catalyze inclusive and sustainable economic development in rural areas. Furthermore, it contributes to the achievement of several SDG targets, particularly SDG 8 (decent work and economic growth) and SDG 811 (sustainable cities and communities). Digital integration rooted in local potential is key to building a resilient and independent village economy.