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All Journal INFOKAM Fokus Ekonomi Jurnal STIE Semarang (Edisi Elektronik) International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Educatio FKIP UNMA Studi Kasus Inovasi Ekonomi Enrichment : Journal of Management MALA'BI JME Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Scientia JURNAL CAPITAL : Kebijakan Ekonomi, Manajemen dan Akuntansi Journal of Community Service and Engagement Jurnal Abdimas Ekonomi dan Bisnis MOVE: Journal of Community Service and Engagement Journal of Social Work and Empowerment E-Prosiding Seminar Nasional Manajemen dan Akuntansi STIE Semarang (SENMAS) Jurnal Pengabdian Masyarakat dan Riset Pendidikan Economic Education Analysis Journal International Journal of Business and Quality Research International Journal of Economics, Business and Innovation Research Asian Journal of Management, Entrepreneurship and Social Science Inovasi Sosial: Jurnal Pengabdian Masyarakat EduImpact: Jurnal Pengabdian dan Inovasi Masyarakat
Fidyah Yuli Ernawati, Fidyah Yuli
Sekolah Tinggi Ilmu Ekonomi Semarang
Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Mathematics Public Health Social Sciences Other

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ANALYSIS OF THE INFLUENCE OF LOCATION, INTEREST RATE, SERVICE, AND PROMOTION ON CUSTOMER DECISIONS IN LOAN MAKING (Studies at PT. BPR BKK Tegal City) Fidyah Yuli Ernawati; Arini Novandalina; Rokhmad Budiyono; Herwinda Nur Indah Sari
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 6, No 4 (2022): IJEBAR, Vol. 6 Issue 4, December 2022
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v6i4.6676

Abstract

Banks are intermediary institutions that collect funds and distribute them in the form of placements in earning assets. One of the productive assets that contributes the most to bank income is credit. Based on its use, credit is divided into three, namely: working capital credit, investment credit, and consumption credit. Working capital credit is a loan that is given to finance the working capital of a business. The purpose of this study was to determine the effect of location, interest rates, services, and promotions on credit decisions at PT. BPR BKK Tegal City. The population in this study were all credit customers of PT. BPR BKK Tegal City in August 2021 as many as 1087 customers. So that the obtained sample amounted to 100 respondents. The variable in this study is the independent variable (X) consisting of location, interest rates, services, promotions, and the dependent variable (Y) is credit decision making. Data collection method is done by distributing questionnaires. The method of analysis is the Classical Assumption Test, Multiple Linear Regression Test, and Hypothesis Testing. From the results of the study showed that the location variable did not have a significant effect on credit decision making with a significant value of 0.852 > 0.05. The interest rate has a significant influence on credit decision making with a significant value of 0.010 < 0.05. Service does not have a significant influence on credit decision making with a significant value of 0.225 > 0.05. Promotion does not have a significant effect on credit decision making with a significant value of 0.180 > 0.05. So that the statistical calculation shows that partially the interest rate variable has a significant influence on credit making decisions. Meanwhile, location, service and promotion do not have a significant influence on credit decision making. Location has no influence on credit decisions, a strategic, safe and comfortable location is something that must be considered. Interest rates have an influence on credit decision making, by providing the right interest rate it is expected to increase customer interest in taking credit. The service has no influence on credit decisions, friendly, courteous and satisfying service can make customers feel at home and want to return to doing transactions at the bank. Promotion has no influence on credit decision making. This is expected to contribute more to the increase in the number of credit customers at PT. BPR BKK Tegal City.
The Effect of Work Performance and Employee Loyalty on Promotion at the Nuances of Independent Women's Cooperative in Semarang Fidyah Yuli Ernawati; Heni Subekti
Asian Journal of Management, Entrepreneurship and Social Science Vol. 4 No. 02 (2024): May, Asian Journal of Management Entrepreneurship and Social Science ( AJMESC
Publisher : Cita Konsultindo Research Center

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Abstract

Human resource management is currently the most important factor and asset of a company. This study aims to determine the Effect of Work Performance and Employee Loyalty on Promotion at the Nuansa Mandiri Women's Cooperative in Semarang. The independent variable is Job Performance (X1), Employee Loyalty (X2), and the dependent variable is Promotion (Y). The population of this study was all employees of the Nuansa Mandiri Women's Cooperative in Semarang amounting to 302 people and for the sample using the Simple random sampling technique it was known to be 75 people. Data collection techniques are quantitative methods using questionnaires. For instrument testing using Validity test, Reliability test, and classical Assumption test. For data analysis techniques using multiple linear regression analysis methods with t test, Model Feasibility test and Coefficient of Determination (R2). The results of the study using multiple linear regression showed the regression equation as follows: Y = 7.040 + 0.342X1 + 0.323X2. From the t test, it is known that for the Job Performance variable (X 1) a calculated t value of 2.833 is obtained with a significance level of 0.000, because t count 2.833 > t table 1.665; significance is less than 0.05 (0.006<0.05), then the Job Performance variable has a positive and significant effect on promotion, the variable Employee Loyalty (X2) obtained a calculated t value of 2.979 with a significance level of 0.000, because t count 2.979> t table 1.665; significance is less than 0.05 (0.004<0.05), then the variable Employee Loyalty has a positive and significant effect on promotion. The main advice for company leaders is expected to pay attention to the work performance of employees, in this case company leaders must encourage employees in carrying out work willing to do overtime hours if there is work that has not been fully completed.
Sosialisasi Gerakan Menabung dan Investasi Di Pasar Modal Hendrayanti, Silvia; Ernawati, Fidyah Yuli
Jurnal Abdimas Ekonomi dan Bisnis Vol. 4 No. 1 (2024): Jurnal Abdimas Ekonomi Bisnis
Publisher : LPPM Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/abdiekbis.v4i1.3304

Abstract

Saving is a wise and strategic step that reflects a person's commitment to financial prosperity and security in the future. In the midst of the dynamics of modern life, saving is not just a habit, but a smart decision that will have a long-term positive impact. Let's explore why saving is so important in laying the foundation for a more stable future. The location of service is at the Semarang College of Economics. The aim of this activity is to provide students with an understanding of the importance of saving, explain the basic concepts and benefits of investing in the capital market and provide practical information about how to start investing in the capital market. The method applied in this activity is to present the material and then make a presentation to the training participants. The service team designs material that can be understood by students. The material is presented clearly and responsively to ensure good understanding. Participants are given the opportunity to discuss and ask questions about the topic of saving and investing in the capital market, thereby ensuring that the information provided can really be applied in everyday life. The service team provides supporting materials in the form of brochures, booklets or small books which can be used as references for participants after the activity ends. The output resulted in an increase in understanding from 11% to 99%. Participants' ability to empower themselves and manage financial literacy optimally is increasing with the knowledge provided in socialization activities.
PENEKANAN DIMENSI ORIENTASI PASAR PADA KINERJA PEMASARAN Ade, Sinar Hubtriyan; NURHIDAYAH, EVINTA AMALIA; Ernawati, Fidyah Yuli; Linanjung, Yolanda Ardestya
JURNAL STIE SEMARANG Vol 16 No 3 (2024): Jurnal STIE SEmarang
Publisher : Sekolah Tinggi Ilmu Ekonomi Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33747/stiesmg.v16i3.749

Abstract

Abstract. The research problems behind this research is the case of the decrease in income of outlet rent and store Semarang, beside that there is also gap of research about influence from market orientation to marketing performance. So this study aims to analyze the influence of customer orientation, competitor orientation and cross-functional coordination of marketing performance. The population in this research is all owner of rent and store outlet of Semarang, with sample number 100 respondents, taken based on purposive sampling method. Analyzer used is multiple linear regression. The results of this study proves empirically that customer orientation, competitor orientation and cross-functional coordination have positive and significant impact on marketing performance.
Pelatihan Penggunaan QRIS dan Pencatatan Keuangan Digital bagi Pelaku UMKM Pasca Pandemi di Desa Boja: Pengabdian Rokhmad Budiyono; Fidyah Yuli Ernawati
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 3 No. 4 (2025): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 3 Nomor 4 (April 2025
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v3i4.1114

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan literasi digital pelaku UMKM dalam penggunaan QR Code Indonesian Standard (QRIS) sebagai metode pembayaran nontunai serta dalam pencatatan keuangan digital berbasis aplikasi. Kegiatan ini dilaksanakan di Desa Boja dan diikuti oleh 35 pelaku UMKM dari sektor kuliner dan fesyen. Metode pelatihan meliputi alih pengetahuan, diskusi interaktif, dan studi kasus untuk memaksimalkan pemahaman peserta. Hasil kegiatan menunjukkan bahwa 90% peserta menunjukkan antusiasme tinggi dan mampu memahami serta mempraktikkan penggunaan QRIS dan aplikasi pencatatan keuangan dengan baik. Pelatihan ini memberikan dampak positif berupa peningkatan efisiensi transaksi, transparansi keuangan, dan kesiapan UMKM menghadapi era digital pascapandemi. Diperlukan pendampingan lanjutan untuk memperkuat keterampilan digital yang telah diperoleh.
Environmental, Social, and Governance (ESG) Disclosure Application to Company Profitability and Value Ernawati, Fidyah Yuli; Andini, Rita; Subekti, Heni
Economic Education Analysis Journal Vol. 14 No. 2 (2025): Economic Education Analysis Journal
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/eeaj.v14i2.28769

Abstract

This study examined the impact of ESG disclosure implementation on manufacturing companies and their profitability, with capital structure as a mediating variable. This gap in research is due to several inconsistent findings with previous studies on the relationship between ESG disclosure and company performance, particularly in emerging markets like Indonesia. This study used quantitative analysis and PLS-SEM to examine 42 companies listed on the Indonesia Stock Exchange from 2018 to 2024. The results indicate that environmental, social, and governance disclosures positively affect company profitability, mediating the relationship between capital structure and ESG disclosure. These findings will contribute to understanding how ESG implementation affects company performance in emerging markets and provide practical insights for companies implementing ESG practices. These findings contribute to understanding the dynamics of ESG implementation in emerging markets, highlighting the influence of each ESG component on company performance. This study also emphasizes the importance of strategic alignment between sustainability initiatives and corporate financial management to optimize performance in the face of the ever-changing business landscape in Indonesia.
The Influence of Brand Image, Price Perception, and Electronic Word of Mouth on Purchase Interest on the Tokopedia E-Commerce Site (Study on Students in the City Of Semarang) Fidyah Yuli Ernawati; Silvia Hendrayanti; Wachidah Fauziyanti
Jurnal Scientia Vol. 13 No. 02 (2024): Education and Sosial science, March - May 2024
Publisher : Sean Institute

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Abstract

The purpose of this study is to ascertain and evaluate the impact that pricing perception, electronic word-of-mouth, and brand image have on the inclination to buy on the Tokopedia e-commerce platform (study of students in Semarang City). Students in Semarang were the population under study in this study. Students from different Semarang-based institutions and universities make up this demographic. Since the dependent variable in this study is purchasing interest, the population that will be examined in this research consists of Semarang students who have made purchases online from August to September of 2023 using the e-commerce platform Tokopedia. Anyone who occurs to use the Tokopedia application for transactions involving purchases and sales is included in the sample from this population. The findings of this study indicate that interest in making purchases on the Tokopedia e-commerce platform is significantly, favorably, and strongly influenced by the brand image variable (X1). The brand image that was acquired from Tokopedia is fairly positive, but there are a few indicators that should be taken into account. These include the benefits (benefits) associated with the usefulness of the product and the brand attitude (brand attitude), which is the consumer's attitude regarding their overall assessment of the brand. When taken as a whole, brand image can persuade customers—in this example, Semarang City students—to make purchases. The findings of the research indicate that purchasing choice variables are significantly, strongly, and favorably influenced by the electronic word-of-mouth variable (X2). Electronic word-of-mouth about interest in purchases is fairly strong; nevertheless, there are a few areas that need to be addressed going forward, including the frequency of both positive and negative evaluations, as well as the accuracy and completeness of the information. In general, electronic word of mouth can stimulate buyers—in this example, Semarang City students—to make purchases. The same is true of how people perceive prices.
PENGARUH FASILITAS, KEPUASAN DAN KEPERCAYAAN TERHADAP LOYALITAS NASABAH MOBILE BANKING BANK JATENG CABANG UTAMA SEMARANG Nurhidayah, Evinta Amalia; Ernawati, Fidyah Yuli; Irmawati, Monica
JURNAL CAPITAL : Kebijakan Ekonomi, Manajemen dan Akuntansi Vol 7 No 1 (2025): jurnal capital
Publisher : Sekolah Tinggi Ilmu Ekonomi Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33747/capital.v7i1.288

Abstract

Abstract. Mobile banking (m-banking) has a big role in increasing customer loyalty. Easy access via smartphone devices, m-banking allows users to manage their finances without having to visit the bank physically. With this convenience, it builds a positive experience, which ultimately increases customer loyalty to the banking services provided. To find out whether the variables of facilities, satisfaction, and trust affect the loyalty of Bank Jateng Semarang Main Branch mobile banking customers. The population in this study is Bank Jateng Semarang City customers and the sample used in this study is 72 customers. The sampling technique in this study uses non-probability sampling with accidental sampling technique.The analytical tools in this study include instrument tests (validity test, reliability test), classical assumption test (normality test, multicollinearity test, heteroscedasticity test), multiple linear regression, hypothesis test through t-test, F test, and determination coefficient test. The results of this study prove that the facility variable (X1) on customer loyalty has a t-value of 2.522 > t table 1.994 and a significance value of 0.014 < 0.05. The variable of satisfaction (X2) for customer loyalty has a t-value of 5.095 > t table 1.994 and a significance value of 0.000 < 0.05. The trust variable (X3) for customer loyalty has a t-value of 2.617 > t table 1.994 and a significance value of 0.011 < 0.05. Based on the results of the f test (model feasibility), the F value was calculated as 83.788 > F table (3.13) with a significant level of 0.000 < 0.05, which shows that the variables of facilities, satisfaction, and trust are variables that are worthy of being used as a research model. The value of the determination coefficient (Adjusted R Square) was obtained at 0.778 which means that 77.8% of customer loyalty can be explained by the variables of facilities, satisfaction and trust. While the rest is influenced by several other factors that are not available in this study. The conclusion of this study is that facilities have a positive and significant effect on customer loyalty in mobile banking Bank Jateng Semarang Main Branch. Satisfaction has a positive and significant effect on customer loyalty at Bank Jateng Mobile Banking Semarang Main Branch. Trust has a positive and significant effect on customer loyalty in mobile banking Bank Jateng Semarang Main Branch. Suggestions from the results obtained by Bank Jateng researchers suggest improving the quality of mobile banking services through innovative, safe, easy-touse features, customer support services, digital education and loyalty programs to increase customer trust and satisfaction.
The Effect of Employee Well-Being Programs on Employee Retention in the Flexible Work Era : A systematic review using bibliometric methods fidyah yuli ernawati; Silvia Hendrayanti; Marsha Ayunita Irawati
International Journal of Business and Quality Research Vol. 3 No. 02 (2025): April - June, International Journal of Business and Quality Research (IJBQR)
Publisher : Citakonsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijbqr.v3i02.1771

Abstract

The development of the modern world of work is characterized by the increasing adoption of flexible work patterns and greater attention to employee welfare. This study aims to analyze trends and research developments related to the influence of work flexibility and employee welfare programs on employee retention in the flexible work era through a bibliometric approach. By analysing 200 articles published in reputable international journals during the period 2019–2024, the study found that work flexibility—such as self-paced scheduling and an independent workplace—as well as comprehensive well-being programs consistently contribute positively to employee satisfaction, loyalty, and retention. These findings are increasingly relevant amid changing preferences of millennials and Gen Z who highly value work-life balance and work autonomy. The analysis also shows that the integration of flexible work policies and comprehensive welfare programs can reduce stress levels, increase motivation, and create a work environment that supports employees' emotional attachment to the organization. The practical implications of this study emphasize the importance of developing an adaptive and employee-based human resource policy so that organizations can retain the best talent amid the dynamics of changing work patterns. The study also identifies future research agendas to deepen understanding of the relationship between work flexibility, well-being, and employee retention in an ever-evolving work context.
DETERMINAN MINAT INVESTASI MAHASISWA DI PASAR MODAL Fauziyanti, Wachidah; Hendrayanti, Silvia; Ernawati, Fidyah Yuli
JURNAL STIE SEMARANG Vol 16 No 1 (2024): Jurnal STIE SEmarang
Publisher : Sekolah Tinggi Ilmu Ekonomi Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33747/stiesmg.v16i1.705

Abstract

Tujuan Penelitian untuk mengetahui pengaruh determinan terhadap minat investasi mahasiswa STIE Semarang Di Pasar Modal. Populasi dalam penelitian ini adalah mahasiswa aktif STIE Semarang angkatan 2020-2022 yaitu sebanyak 1632 orang mahasiswa. Jumlah sampel pada penelitian ini sebanyak 100 orang mahasiswa, yang diperoleh dengan teknik pengambilan sampel yaitu Simple Purposive Sampling. Pengumpulan data menggunakan kuesioner. Metode analisis data yang digunakan dalam penelitian ini yaitu metode kuantitatif dengan menggunakan uji asumsi klasik dan pengujian hipotesis menggunakan regresi linier berganda. Hasil analisis menunjukkan bahwa ada pengaruh modal minimal investasi, persepsi risiko, dan persepsi return terhadap minat investasi mahasiswa STIE Semarang di pasar modal dengan kadar determinasi sebesar 0,664 atau 66,4% minat berinvestasi mahasiswa dipengaruhi oleh modal minimal, persepsi risiko dan persepsi return, serta sisanya sebesar 33,6% dipengaruhi oleh variabel lain yang tidak diteliti.
Co-Authors Achmad Junaidi, Achmad Ade, Sinar Hubtriyan Adlan Susendra Adlan Susendra Agung Siswanto Agus Susanta Alwin Basri Alwin Basri Anasari, Yamti Andika Oktavianto Arini Novandalina Arini Novandalina Arini Novandalina Arini Novandalina Arini Novandalina Asyhari Asyhari Besar Kusnianto Cahyani Tunggal Sari Chiriyah, Siti Clara Fahindra s Delta Puput Pepbrilita Dewi Kholisatun Dwi Novaria Misidawati Dwi Tsaniyah Egiliana Atika Putri Eko Sasono Endahsari, Bella Evinta Amalia Nurhidayah Fauzijanti, Wachidah Fauziyanti, Wachidah Febra Hendra Wijaya Hawinda Dwi Pamungkas Heni Pujiastuti Heni Subekti Herwinda Nur Indah Sari Indradewa, Rhian Irmawati, Monica Istiana Pratama Ita Monica Jefri Heridiansyah Krisna Bayu Wicaksana Linanjung, Yolanda Ardestya Lisa Zahratul Adni Marnoto Marnoto Marsha Ayunita Irawati Marsha Ayunita Irawati Marsha Ayunita Irawati Melly Fitriana Muhammad Abdul Syukur Mukti Mukti NATOIL NATAOIL NATOIL RITA ANDINI Rokhmad Budiyono Rokhmad Budiyono Rokhmad Budiyono Rokhmad Budiyono, Rokhmad sarbullah sarbullah Sarbullah, Sarbullah Setiyowati Setiyowati Shofwani, Siti Aniqoh Silvia Hendrayanti Siti Khayatun Siti Rochmah Siti Rochmah SITI ROCHMAH Siti Rochmah Siti Rochmah Siti Rochmah Siti Rochmah siti Rokhmah Sopi Sopi Subekti, Heni Sundari, Pipit Tiara Nove Ria Usman Abdul Majid zulkifli zulkifli