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All Journal Jurnal Ekonomi & Studi Pembangunan Jurnal Manajemen Bisnis dan Organisasi Journal of Advances in Accounting, Economics, and Management Journal of Management and Innovation Entrepreneurship (JMIE) Optimum: Jurnal Ekonomi dan Pembangunan
Latifah Dian Iriani, Latifah Dian
Department of Economics, Universitas Muhammadiyah Yogyakarta
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences Other

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PENGARUH LITERASI KEUANGAN TERHADAP PENGELOLAAN KEUANGAN PADA PELAKU USAHA MIKRO, KECIL DAN MENENGAH DI KOTA SORONG Lestari, Bekti Wiji; Bintari, Wisang Candra; Iriani, Latifah Dian; Sugianto, Sintiya
Jurnal Manajemen Bisnis Dan Organisasi Vol 2 No 1 (2023): Jurnal Manajemen Bisnis Dan Organisasi (JMBO)
Publisher : Yayasan Pendidikan Cahaya Budaya Indonesia

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan terhadap pengelolaan keuangan untuk mengetahui pengaruh literasi keuangan tentang pengetahuan keuangan dasar, simpanan dan kredit, investasi dan asuransi terhadap pengelolaan keuangan pada umkm di Kota Sorong. Metode jenis penelitian ini adalah kuantitatif dengan menggunakan pendekatan Asosiatif. Sedangkan teknik pengambilan sampel denggan menggunakan teknik purposive sampling dengan menggunakan kuesioner. Teknik analisis data yang digunakan penelitian ini adalah statistic deskriptif dan menggunakan metode analisis regresi berganda. Hasil penelitian ini menunjukan bahwa literasi keuangan signifikan terhadap pengelolaan keuangan UMKM di Kota Sorong. Tingkat literasi keuangan pelaku umkm tergolong sangat baik sehingga mempengaruhi pengelolan keuangan umkm di Kota Sorong juga meningkat.
FAKTOR-FAKTOR YANG MEMPENGARUHI KONSUMEN MUSLIM TERHADAP KEPUTUSAN PEMBELIAN Syah, Muhammad Fikrian; Wijiastuti, Retno Dewi; Iriani, Latifah Dian; Waly, Nur Aeni
Journal of Management and Innovation Entrepreneurship (JMIE) Vol. 1 No. 2 (2024): Januari
Publisher : Yayasan Nuraini Ibrahim Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59407/jmie.v1i2.469

Abstract

Penelitian ini bertujuan mengetahui apakah faktor – faktor berpengaruh terhadap keputusan pembelian produk halal pada konsmuem muslim yang membeli produk J.CO Ramayana Mall di Kota Sorong. Variabel independen pada penelitian ini adalah prdouk (X1), Harga (X2), Lokasi (X3), Promosi (X4), dan Religiusitas (X5) dan variabel dependen pada penelitian ini adalah Keputusan Pembelian (Y). penelitian ini menggunakan pendekatan kuantitatif dengan metode deskriptif. Teknik pengambilan sampel yang digunakan dalam penelitian ini adalah Non-probability dengan teknik Purposive Sampling. Responden dalam penelitian ini merupakan konsumen muslim sebanyak 110 orang yang dipilih dengan menggunakan Teknik Purposive sampling. Hasil analisis yang dilakukan menunjukan bahwa variabel produk, harga, lokasi, promosi, dan religiustas positif dan signifikan terhadap variabel dependen keputusan pembelian produk halal.
Understanding Payment Switching Behavior to QRIS in Southwest Papua: A Push-Pull-Mooring Study Hidayah, Nurul; Iriani, Latifah Dian
Jurnal Ekonomi & Studi Pembangunan Vol. 26 No. 1: April 2025
Publisher : Universitas Muhammadiyah Yogyakarta

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Abstract

As the global economy changes, it's important to examine why people in Southwest Papua switch from cash to the Quick Response Code Indonesian Standard (QRIS) system. This region is notoriously behind in infrastructure and human development, so studying this area is crucial to expanding the national economy. This study investigates the variables that influence the switching behavior of users in Southwest Papua toward the Quick Response Code Indonesian Standard (QRIS) digital payment. The study investigates the impact of push factors (e.g., perceived trouble, perceived no record for transaction, and difficult to pay cash in large amounts), pull factors (e.g., perceived convenience, promotional benefits, and time saving), and mooring factors (e.g., habit and switching costs) on the transition from cash to digital payments, utilizing the Push-Pull-Mooring (PPM) framework and transaction cost theory. The research utilizes structural equation modeling to analyze QRIS user's patterns in three regions of Southwest Papua Province: Sorong City, Sorong Regency, and Raja Ampat, by using a stratified random sampling method. The results indicate that the adoption of QRIS is significantly influenced by both push and pull factors, with pull factors playing more prominent role. Switching behavior is also significantly influenced by habit while switching costs exhibit a negative influance but statistically insignificant effect. In an effort to expedite the adoption of digital payments in Southwest Papua, these insights provide policymakers and financial institutions with practical advice. They indicate that strategies that emphasize the convenience and advantages of QRIS over cash are more effective in increasing user adoption.
Finance literacy, digital literacy and Micro, Small, Medium Enterprise (MSME) performance Iriani, Latifah Dian; Hidayah, Nurul; Andjar, Febry Jein
Optimum: Jurnal Ekonomi dan Pembangunan Vol. 15 No. 1 (2025)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/optimum.v15i1.11962

Abstract

The low level of female participation in the labor market affects the income gap between men and women. However, the informal sector tends to be of interest to women, especially in the Micro, Small, and Medium Enterprises sector (MSMEs). MSMEs have a very vital role in Indonesia's economic growth. However, the development of MSMEs for women entrepreneurs has obstacles such as low access to business capital and marketing of MSME products. This is influenced by the low level of financial literacy and digital literacy for women in the MSME sector. This paper aims to ascertain the relationship among financial literacy and the performance of women MSMEs specifically with the variable of digital literacy as a moderator. This paper uses primary data through the distribution of questionnaires to women entrepreneurs (MSMEs) in Sorong Regency. The data analysis technique uses Structural Equation Model (SEM) and Partial Least Square (PLS). The results show that financial literacy has positive and significantly affect MSME performance. While, digital literacy has a positive effect on MSMEs performance. In addition, digital literacy has a positive effect in moderating the relationship between financial literacy and MSMEs performance for female entrepreneurs. However, financial literacy is not significantly effect on the performance of MSMEs for women.
Analysis of factors affecting poverty in the special region of yogyakarta Darsono, Susilo Nur Aji Cokro; Iriani, Latifah Dian; Putra, Dedek; Hajar, Ibnu
Journal of Advances in Accounting, Economics, and Management Vol. 1 No. 3 (2024): March
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/aaem.v1i3.193

Abstract

One of the provinces in Indonesia that has a fairly high poverty problem is Yogyakarta Special District Province. This is because the poverty rate of cities/districts in the Yogyakarta Special Dis-trict is higher than the provincial and national poverty rates. The study examines the influence of electricity consumption, investment, economic growth, and the District/City Minimum Wage on poverty levels in Yogyakarta Special District. The data used is panel data with cross-section data covering 5 districts/cities in Yogyakarta Province and data time series with the course of the year 2014 – 2020. The method of analysis used is a panel data regression, but the model used in this study is the Fixed Effect Model. The results show that the variables of electricity consumption and investment variables have no influence, while the economic growth variables and the minimum wage variable of the district/city have a negative and significant influence on the poverty level in the Yogyakarta Region.
Co-Authors Andjar, Febry Jein Bekti Wiji Lestari Darsono, Susilo Nur Aji Cokro Ibnu Hajar Nur Aeni Waly Nurul Hidayah Putra, Dedek Sugianto, Sintiya Syah, Muhammad Fikrian Wijiastuti, Retno Dewi Wisang Candra Bintari