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All Journal Sosio Dialektika SOLUSI Jurnal Akuntansi Dan Bisnis Indonesia (JABISI) Jurnal Riptek
C Tri Widiastuti
Universitas Semarang
Humanities Economics, Econometrics & Finance Environmental Science Social Sciences Transportation Other

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STRATEGI PENINGKATAN SUMBER DAYA MANUSIA KREATIF DAN INOVATIF PADA UKM BATIK SEMARANGAN (Studi Di Kampung Batik Semarang) C Tri Widiastuti; Rahmatya Widyaswati; Rita Meiriyanti
Jurnal Riptek Vol 13, No 2 (2019)
Publisher : Badan Perencanaan Pembangunan Daerah Kota Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (244.697 KB) | DOI: 10.35475/riptek.v13i2.52

Abstract

Indonesia has changed the era of the industrial revolution 4.0, a revolution marked by a technological revolution that brought many changes and risks, one of which involved purchases. In this era, human resources are the key to the success of a business, therefore a strategy is needed to improve the quality of human resources. This research will analyze the human resources in Semarang batik village. The purpose of the analysis of strategies to improve human resources into superior human resources, competence and adequate quality. This study used descriptive qualitative method. Research site in Semarang Batik Village. Research informants about batik businesses, employees and policy makers in the Rejomulyo sub-district of Semarang. The method of data collection is done by using interview techniques on informants, literature studies and observations. Data analysis techniques with reduction, data presentation and drawing conclusions Test the validity of the data using source triangulation. The results of the analysis of this study revealed that research on batik requires several strategies to improve the quality of human resources, these strategies provide motivation, increase competencies, certification of skills, best practices and exhibitions. 
DETERMINANTS OF FINANCIAL MANAGEMENT BEHAVIOR OF SEMARANG CITY SMEs C Tri Widiastuti; Nuria Universari; Irene Nathalia Setiawan
Jurnal Akuntansi Dan Bisnis Indonesia (JABISI) Vol 4 No 1 (2023): Jurnal Akuntansi Dan Bisnis Indonesia (JABISI)
Publisher : Program Studi Akuntansi Institut Bisnis dan Informatika (IBI) Kosgoro 1957

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55122/jabisi.v4i1.704

Abstract

Financial management behavior is one of the important things in the domain of financial science. Great financial management behavior can help SMEs’ stakeholders to be responsible for the financial management of money and assets in ways that are seen as productive. Financial literacy, financial attitudes, and intentions as intervening variables are factors that can influence SMEs’ financial management behavior. The purpose of this research is to determine the effect of financial literacy, financial attitudes, and intentions as intervening variables on SMEs’ financial management behavior. The method applied in this research is quantitative with a questionnaire used as a medium for data collection. A proportionate stratified random sampling technique with Proportionate Stratified Random Sampling was used as the sampling strategy in this study. Primary data were analyzed using the Statistical Package for Social Science (SPSS) technique with multiple regression analysis methods and the Sobel test. The results show that in Model I there is a positive and significant effect between financial literacy and financial attitudes toward behavioral intentions. On the other hand, there is a positive and significant effect between financial literacy, financial attitudes, and intention on financial management behavior. Intentions can convey the impact of financial literacy and financial attitudes toward financial management behavior.
PENGARUH LITERASI KEUANGAN DAN INOVASI DIGITAL TERHADAP KINERJA UMKM C Tri Widiastuti; Nuria - Universari; Kurniawat - Emaya
SOSIO DIALEKTIKA Vol. 9 No. 1 (2024)
Publisher : LP2M

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/sd.v9i1.10395

Abstract

Pelaku UMKM tidak dapat dipisahkan dari isu perkembangan ekonomi digital yang berperan penting dalam menentukan tingkat keberhasilan UMKM. Target riset ini untuk menganalisis bagaimana literasi keuangan dan inovasi digital mempengaruhi kinerja keuangan UMKM. Riset ini mengaplikasikan teknik kuantitatif untuk menilai variabel bebas literasi keuangan (X1) dan inovasi digital (X2) atas variabel terikat kinerja UMKM (Y). Populasi UMKM Kuliner di Kecamatan Semarang Barat. Pengambilan sampel dilakukan secara purposive sampling. Pendekatan penghimpunan data dengan kuesioner diukur menggunakan skala likert. Metode penelaah menggunakan Partial Least Squares (PLS) melalui aplikasi SmartPLS 3.0. Literasi keuangan dan inovasi digital, menurut temuan penelitian, memberikan dampak positif dan signifikan terhadap kinerja UMKM. R square variabel kinerja UMKM sebanyak 0,606. Artinya variabel laten literasi keuangan dan inovasi digital dapat menjelaskan 60,6% variasi kinerja UMKM. Dan selebihnya 39,4% diterangkan oleh komponen yang tidak dikaji dalam riset ini. Implikasinya, pelaku UMKM mampu memperluas akses, meningkatkan pemodalan dan kinerja UMKM sehingga usahanya terus tumbuh dan berkelanjutan.MSME players cannot be isolated from the issue of digital economic development, which is critical in defining MSMEs' level of success. Investigating the effects of digital innovation and financial literacy on MSMEs' financial performance is the goal of this study. The independent variables financial literacy (X1) and digital innovation (X2) on the dependent variable MSME performance (Y) are assessed using quantitative methodologies in this study. Culinary MSMEs populate the West Semarang District. Purposive sampling was used to collect data. A Likert scale was used to assess the data-gathering strategy with a questionnaire. The review approach employs the SmartPLS 3.0 program and Partial Least Squares (PLS). Financial literacy and digital innovation, according to research findings, have a favorable and significant impact on MSME success. The R-square value for the MSME performance variable is 0.606. That is, 60.6% of the variance in MSME performance can be explained by the latent variables of financial literacy and digital innovation. The remaining 39.4% is explained by variables not examined in this study. The implication is that MSME players can broaden access, raise finance, and improve MSME performance, allowing their firms to develop and be sustainable. 
ANALISIS GAYA HIDUP SEBAGAI VARIABEL MEDIASI PADA PERILAKU KONSUMTIF BELANJA ONLINE C Tri Widiastuti; Nuria Universari; Irene Nathalia Setiawan
Solusi Vol. 21 No. 4 (2023): October
Publisher : Fakultas Ekonomi, Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/slsi.v21i4.7497

Abstract

Kemajuan teknologi informasi telah mempengaruhi perubahan kebiasaan belanja masyarakat, beralih dari belanja tradisional ke online. Pergeseran perilaku belanja berdampak pada semua generasi, termasuk Generasi Z dan akan menjadi konsumen terbesar dalam waktu dekat. Generasi Z berperilaku berbeda dibandingkan generasi sebelumnya, Generasi Z gemar melakukan belanja online. Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan terhadap perilaku konsumtif belanja online yang dimediasi gaya hidup. Populasi penelitian generasi Z di kota Semarang. Sampel penelitian Generasi Z pada rentang usia 18-24 tahun atau generasi yang berada pada tingkat perguruan tinggi dengan status mahasiswa, menggunakan Instagram sebanyak 102 responden.  Data dikumpulkan melalui kuesioner dan dianalisis menggunakan skala likert. Analisis data menggunakan Partial Least Squares (PLS) dengan aplikasi SmartPLS 3.0. Hasil penelitian menunjukkan bahwa 1) literasi keuangan berpengaruh positif terhadap perilaku belanja online. Literasi keuangan memiliki dampak besar pada kebiasaan pembelian online, memahami literasi keuangan dapat membantu generasi Z menghindari pengeluaran berlebihan.  2) gaya hidup berpengaruh positif terhadap perilaku belanja online konsumtif. Gaya hidup hedonis sebagai sarana untuk memuaskan keinginan dan keinginannya secara instan, generasi ini tergoda melakukan pembelian impulsif karena strategi pemasaran yang menawarkan pengalaman baru 3) literasi keuangan berpengaruh positif terhadap gaya hidup hedonis. Dengan literasi keuangan yang baik dapat membantu generasi ini untuk tidak terpengaruh belanja barang yang tidak dibutuhkan, dan 4) gaya hidup hedonis dapat memediasi literasi keuangan pada perilaku belanja online yang konsumtif. Sangat penting bagi Generasi Z memiliki financial literacy agar dapat mengetahui dampak dari gaya hidup dan perilaku konsumtif Generasi Z terhadap keuangan pribadi
Co-Authors Irene Nathalia Setiawan Kurniawat - Emaya Nuria Universari Rita Meiriyanti Widyaswati, Rahmatya