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All Journal Jurnal Sains Ekonomi dan Perbankan Syariah KEUNIS JURNAL ILMIAH AKUNTANSI UNIVERSITAS PAMULANG Ilomata International Journal of Tax and Accounting Jurnal Bingkai Ekonomi (JBE) Jurnal Bisnis Mahasiswa Jurnal Hilirisasi Technology kepada Masyarakat (SITECHMAS) BanKu: Jurnal Perbankan dan Keuangan JIBEMA: Jurnal Ilmu Bisnis, Ekonomi, Manajemen, dan Akuntansi
jati handayani, jati
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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ANALISIS PENGARUH KUALITAS PELAYANAN, KUALITAS PRODUK, KEPERCAYAAN, DAN NILAI NASABAH TERHADAP CUSTOMER RETENTION DENGAN KEPUASAN NASABAH SEBAGAI VARIABEL INTERVENING PADA PT BANK BRISYARIAH KANTOR CABANG PEMBANTU UNGARAN Fatmawati, Ratih; handayani, jati
Jurnal Sains Ekonomi dan Perbankan Syariah Vol 5, No 1 (2015): Juli 2015
Publisher : Jurnal Sains Ekonomi dan Perbankan Syariah

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

Abstract

AbstractThe research’s aim to analyze the influence significant variable of service quality, service product, trust, and customer value toward customer retention with customer satisfaction as intervening in the PT Bank BRISharia Ungaran Branch Office.The population in this research were all of saving customers in the PT Bank BRISharia Ungaran Branch Office. The sampling technique were used judgmental sampling method. The samples in this research were 145 saving customers PT Bank BRISharia Ungaran Branch Office. Model of analysis in this research using Structural Equation Model (SEM). While the analysis techniques in this study using t test with computer program AMOS 22.0.The result in this research showed that service quality influences positive and significant toward customer satisfaction, product quality influences positive and significant toward customer satisfaction, trust influences positive and significant toward customer satisfaction, customer value influences negative and not significant  toward customer satisfaction, and customer satisfaction influences positive and significant toward customer retention.Keywords:Service Quality, Product Quality, Trust, Customer Value, Customer Satisfaction, and Customer Retention.
PENERAPAN TEKNOLOGI JURNALISME DIGITAL DAN PROMOSI DESA WISATA BRANJANG KEC. UNGARAN BARAT, KAB SEMARANG Nikmatuniayah, Nikmatuniayah; Marliyati, Marliyati; Handayani, Jati; Anugrahwati, Lilis Mardiana
Jurnal Hilirisasi Technology kepada Masyarakat (SITECHMAS) Vol. 5 No. 1 (2024): Vol. 5 No. 1 April 2024
Publisher : Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32497/sitechmas.v5i1.5149

Abstract

Konsep pariwisata berkelanjutan mulai banyak digunakan guna mendukung perkembangan perekonomian di daerah yang memiliki potensi wisata, salah satunya dengan cara menawarkan pemandangan yang indah ,yang kelak mendatangkan manfaat ekonomi bagi warga desa Branjang Kec Ungaran Barat Kab Semarang. Desa Branjang berada diperbatasan Ungaran dan Kendal, memiliki banyak potensi wisata alam, seperti curuk, tebing, sawah, dan edukasi gula aren. Permasalahan yang ditemukan adalah adanya potensi wisata yang belum dikembangkan dengan maksimal. Keterbatasan modal, belum dikembangkan sebagai lokasi wisata yang marketable. Keterbatasan pengetahuan pemuda pemudi Desa Branjang dalam mengeksploitasi dan promosi Desa Wisata Branjang Kec Ungaran Barat, Kab Semarang. Metode pelaksanaan pengabdian masyarakat adalah: persiapan pengenalan program, pelaksanaa pelatihan, dan evaluasi. Berikutnya pelatihan teknik edit video treaser bagi pemula, pelatihan jurnalistik digital   bagi pemuda pemudi   untuk pembuatan konten video promosi sederhana dengan menggunakan gadget. Beserta praktek dan pendampingan   upload video promosi desa wisata    via youtube dan sosial media. Hasil kegiatan menunjukkan, bahwa :     Pemuda pemudi desa   mampu membuat dan mengedit video promosi desa wisata.  Pemuda pemudi   mampu menguasai jurnalistik digital   untuk pembuatan konten video promosi desa wisata. Desa Wisata Desa Branjang Kec Ungaran Barat, Kab Semarang menjadi  dikenal masyarakat luas dan dikunjungi secara luas. Pemasukan nilai ekonomi semakin meningkat dan meningkatkan pendapatan desa.
Literasi Keuangan Digital Dan Kapabilitas Dalam Pengambilan Keputusan Keuangan Mahasiswa Kota Semarang Kusuma, Septian Yudha; Widyarti, Maria Theresia Heni; Rokhimah, Zulaika Putri; Hartono, Hartono; Handayani, Jati
Jurnal Bingkai Ekonomi (JBE) Vol 9 No 1 (2024): Januari 2024: Jurnal Bingkai Ekonomi (JBE) Januari 2024
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LPPM) - Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jbe.v9i1.328

Abstract

This research aims to analyze further the impact of digital financial literacy on financial decision-making and financial capability on financial decision-making, as well as analyse the mediating role of financial capability in the influence of digital financial literacy on financial decision-making. The sample obtained in this research was 251 respondents using simple random and snowball sampling techniques. The research results show that digital financial literacy has a significant positive effect on financial capabilities and financial capability. At the same time, financial capability is also proven to have a significant positive effect on financial decision-making. Finally, testing the mediating role of financial capability on the relationship between digital financial literacy and financial decision-making also proved to have a significant effect.
ANALYSIS OF THE IMPLEMENTATION OF MICRO, SMALL, AND MEDIUM ENTITY FINANCIAL ACCOUNTING STANDARDS AND ITS IMPACTS ON THE FINANCIAL REPORT QUALITY OF SMALL AND MEDIUM-SIZED ENTERPRISES Nikmatuniayah, Nikmatuniayah; Marliyati, Marliyati; Handayani, Jati; Anugrahwati, Lilis Mardiana
KEUNIS Vol. 11 No. 2 (2023): JULY 2023
Publisher : Finance and Banking Program, Accounting Department, Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32497/keunis.v11i2.4504

Abstract

This study aims to identify the perception of entrepreneurs regarding the Importance of bookkeeping and financial report related to Amountount of credit received by MSMEs, as well as the prospects for implementing the Financial Standards for Micro, Small, and Medium Entities (SAK EMKM), and their impacts on the quality of MSMEs financial reporting. This study used primary data collection by using questionnaires. Questionnaires were distributed using the purposive sample method, with MSMEs spread across the Banyumanik and Tembalang sub-districts as samples. Were 40 questionnaires sent directly to the selected MSMEs as Amountount of evidence adequacy? An in-depth review was conducted on the MSMEs chosen to complete the data and discussion. The provisions of MSMEs are business actors who have been running for more than two years and have applied for bank credit financing. Respondent data can be processed in 32 respondents. The analytical technique used is the Hypothesis Testing Model by Rizki (2012). The analysis technique used is multiple regression analysis. The hypothesis test results showed that nine hypotheses were accepted, and five were rejected. It was found that educational background contradicted the Importance of bookkeeping and recording SAK EMKM financial statements.
PENGARUH DAYA TARIK PROMOSI, KEMUDAHAN PENGGUNAAN, DAN KEAMANAN TERHADAP MINAT PENGGUNAAN E-MONEY PADA MAHASISWA POLITEKNIK NEGERI SEMARANG Putri, Cynthia Syerin Perdana; Handayani, Jati; Agustinus, Tribekti Maryanto
KEUNIS Vol. 9 No. 2 (2021): JULI 2021
Publisher : Finance and Banking Program, Accounting Department, Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (2189.397 KB) | DOI: 10.32497/keunis.v9i2.2856

Abstract

The purpose of this study is to analyze the effect of promotional attractiveness, user-friendliness, and security on the interest in using e-money either simultaneously or partially in Semarang State Polytechnic students. The population of this study were all Semarang State Polytechnic students. The sample selection method used convenience sampling with 100 respondents in this study. The data were analyzed using multiple linear regression with the help of SPSS 25. The results of this study indicate that simultaneously or partially promotional attractiveness, ease of use, and security have a significant effect on interest in using electronic money among Semarang State Polytechnic students. It shows that promotions are carried out to attract students, ease of use and security attract users to switch to e-money especially in the digital era
Model Sifat Kepribadian Memoderasi Hubungan Stres Kerja dan Perilaku Disfungsional Audit Nikmatuniayah, Nikmatuniayah; Marliyati, Marliyati; Handayani, Jati; Mardiana, Lilis
Jurnal Ilmiah Akuntansi Universitas Pamulang Vol. 12 No. 1 (2024): Jurnal Ilmiah Akuntansi Universitas Pamulang
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/jiaup.v12i1.35814

Abstract

 This study aims to identify personality models that moderate the relationship between work stress and audit dysfunctional behaviour, in an effort to improve audit quality. Specifically, this study aims to investigate the effects of stress and audit dysfunctional behavior, focusing on the role of personality traits namely the big five personality and locus of control. The population of this research is all auditors who work at the Public Accounting Firm in the City of Semarang. The sampling technique uses purposive sampling, namely the sampling technique uses certain criteria. The criteria for the study sample were junior and senior auditor staff who had worked in KAP for at least 1 year, and 57 respondents were obtained. The analysis technique used is moderated regression analysis. Based on the results of data processing it was found that: There was no influence of work stress on dysfunctional behavior; There is no influence of personality traits on the relationship of work stress and audit dysfunctional behaviour. The personality trait in question includes five factors: openness to experience, conscientiousness, extraversion, agreeableness, and neuroticism. The findings also showed that there was no effect of locus of control on the relationship between work stress and audit dysfunctional behaviour. Locus of control is seen from external and internal aspects.
Pengaruh Analisis Kepuasan, Kemudahan, dan Kepercayaan Terhadap Minat Menggunakan Aplikasi Flip.id by Shifa Lailia Atunnisa, Shifa Lailia Luluk; Handayani, Jati; Santosa, Teguh Budi
BanKu: Jurnal Perbankan dan Keuangan Vol 4, No 2 (2023): Volume 4, Nomor 2, Agustus 2023
Publisher : Program Studi Perbankan dan Keuangan Fakultas Ekonomi Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/banku.v4i2.8345

Abstract

This study aims to analyse and obtain empirical evidence regarding the effect of satisfaction, convenience, and trust on interest in using the Flip.id application (study on Flip.id user Commercial Bank customers) both simultaneously and partially. The population in this study were all customers at Flip.id user Commercial Banks. The sampling technique used purposive sampling technique, as many as 100 respondents. The data used in this study are primary data obtained through distributing questionnaires. The data analysis model uses the Multiple Linear Regression Analysis Model. While the data analysis technique uses the F Statistical Test, the Coefficient of Determination (R2), and the t Statistical Test. The results of the analysis and discussion show that the variables of satisfaction, convenience, and trust simultaneously have a significant effect on interest in using the Flip.id application (Study on Commercial Bank customers who use Flip.id). Partially, the variables of satisfaction and trust each have a significant effect on the interest in using the Flip.id application (Study on Commercial Bank customers who use Flip.id) whereas, the convenience variable partially does not have a significant effect on the interest in using the Flip.id application (Study on Commercial Bank customers who use Flip.id).
STRATEGI PENGEMBANGAN USAHA INDUSTRI MIKRO PENGOLAHAN BANDENG PRESTO 27 SEMARANG Arbainah, Siti; Handayani, Jati; Nikmatuniayah, Nikmatuniayah; Rois, Muhammad; Korawijayanti, Lardin
Jurnal Hilirisasi Technology kepada Masyarakat (SITECHMAS) Vol. 2 No. 1 (2021): Vol. 2 No. 1 April 2021
Publisher : Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (199.86 KB) | DOI: 10.32497/sitechmas.v2i1.2610

Abstract

Pemberdayaan UMKM saat i ni mendapat perhatian khusus oleh pemerintah, termasuk pemeritah Kota Semarang. Peni ngkatan i ndustri mikro ditempuh dengan peni ngkatan progam pemberdayaan ekonomi keluarga melalui peni ngkatan industri rumah tangga dari kelurahan. Di Kampung Dempel Kelurahan Mukti harjo Kidul Kecamatan Pedurungan terdapat industri rumah tangga yang memproduksi dan memasarkan bandeng presto, dengan merk dagang Bandeng Presto 27 Semarang. Usaha ini masih tergolong baru karena mulai beroperasi pada tanggal 23 Nopember 2018 yang dirintis ibu Budi Handayani (bu Yani) bersama suami. Usaha ini berpotensi untuk dikembangkan. Di samping produknya merupakan salah satu produk unggulan di kota Semarang, j uga karena penjualannya semaki n meni ngkat. Penjualan yang semula hanya dititipkan di warung sekitar saat ini sering menerima pesanan memenuhi kebutuhan orang yang punya hajatan. Jumlah produksi semula hanya 15 kg per mi nggu saat i ni rata-rata menjadi 25 kg per mi nggu. Dari kondisi ini pemilik usaha berencana akan meningkatkan usahanya dengan menambah peralatan produksi, punya stok bahan mentah yang siap diolah setiap saat, memperluas pemasaran melalui onli ne dan lain-lain. Berkenaan dengan rencana pengembangan tersebut maka sangat perlu disusun strategi pengembangan usaha bandeng presto 27 Semarang yang di dasari pemetaan factor kekuatan dan kelemahan yang dimiliki serta faktor apa yang menjadi peluang dan ancaman dalam menjalankan bisnis tersebut. Ruang lingkup pemetaan mencakup empat aspek manajemen usaha yaitu produksi/operasional, pemasaran, keuangan dan SDM. Pengumpulan data melalui wawancara mendalam kepada pemilik/pelaku usaha dengan bantuan kuesioner. Data yang terkumpul dianalisis secara kualitatif dan selajutnya didiskripsikan dengan mengacu pada item analisis SWOT guna menentukan peta kekuatan, kelemahan, peluang dan ancaman. Hasil pemetaan ini selanj utnya menjadi dasar perumusan strategi pengembangan usaha pada industri mi kro pengolahan Bandeng Presto 27 Semarang. Hasil penelitian memberikan empat alternative strategi yang dapat digunakan yaitu SO-ST-WO-WT.
The Influence of Gotong Royong Culture on the Use of Accounting Information Systems Mediated by Perception of Usefulness and Perception of Ease of Use Nikmatuniayah; Marliyati; Handayani, Jati; Anugrahwati, Lilis Mardiana; Titanya, Dara Avril
Ilomata International Journal of Tax and Accounting Vol. 6 No. 3 (2025): July 2025
Publisher : Yayasan Ilomata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijtc.v6i3.1479

Abstract

Siskeudes, which is a village financial system implemented by the local government to record and report transactions for accountability of the use of village funds, is important for village officials to be accountable for its implementation. This system is expected to provide effective information to villagers. This study aims to test and analyze the influence of cooperation culture, perception of usefulness, and perception of ease of use on the use of Accounting Information Systems (AIS); as well as the indirect influence of cooperation culture on the use of AIS mediated by perception of usefulness and perception of ease of use. This study investigated 10 villages sampled from the Ungaran Timur District, Semarang Regency. Ungaran Timur District was selected because the characteristics of the village are still closely related to the culture of cooperation. The required data were collected by a survey using a questionnaire. The collected data were analyzed using the partial least squares (PLS) Smart 2.0 M3 analysis tool. The results of the study demonstrate that the culture of cooperation influences the perception of usefulness, ease of use, and the use of AIS. Likewise, the perception of the usefulness of AIS affects the use of AIS, except for the ease of use factor.
Readiness Model of Micro, Small, and Medium Enterprises in the Creative Industry to Adopt Information Technology Nikmatuniayah, Nikmatuniayah; Yudhaningsih, Resi; Handayani, Jati; Anugrahwati, Lilis Mardiana; Andrini, Nur Intan
Jurnal Bisnis Mahasiswa Vol 5 No 4 (2025): Jurnal Bisnis Mahasiswa
Publisher : PT Aksara Indo Rajawali

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60036/jbm.724

Abstract

The rapid development of IT in the era of Industry 4.0 has a significant impact on all digital transaction activities. The adoption of information technology (IT) can be studied from the perspective of user readiness. This study aims to examine the level of readiness of Micro, Small, and Medium Enterprises (MSMEs) in the creative industry in Semarang City in adopting IT. The research design and model were developed using the Technology Acceptance Model (TAM) and Technology Readiness Index (TRI). The population of the study was MSMEs in the creative industry in Semarang City, samples were taken using a non-probability procedure with a purposive sampling technique. The respondent data that could be processed amounted to 30 respondents. Data collection used a questionnaire survey method and was analyzed using the Partial Least Square (PLS) technique. The results showed that Optimism had a significant positive effect on Perceived Ease of Use and Perceived Usefulness. Innovativeness, Insecurity, and Discomfort had a positive but insignificant impact on Perceived Ease of Use and Perceived Usefulness. Perceived Ease of Use had an effect, and Perceived Usefulness did not affect Intention to Use IT.
Co-Authors Andrini, Nur Intan Anugrahwati, Lilis Mardiana Arbainah, Siti Atunnisa, Shifa Lailia Luluk Hanik, Siti Umi Hartono Hartono Korawijayanti, Lardin Mardiana A, Lilis MARDIANA, LILIS Marliyati Marliyati Marliyati, Marliyati Nikmatuniayah Nikmatuniayah Nikmatuniayah, Nikmatuniayah Putri, Cynthia Syerin Perdana Ratih Fatmawati, Ratih Rois, Muhammad Rokhimah, Zulaika Putri Salsabila, Khairunnisa Luthfi Nur Santosa, Teguh Budi Sari, Vania Cipta Septian Yudha Kusuma Titanya, Dara Avril Tribekti Maryanto Agustinus Widyarti, Maria Theresia Heni Yudhaningsih, Resi