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All Journal Jurnal Ekonomi dan Kewirausahaan Eksplorasi PROCEEDING INTERNASIONAL SEMINAR Adi Widya : Jurnal Pengabdian Masyarakat Jurnal Global Citizen : Jurnal Ilmiah Kajian Pendidikan Kewarganegaraan Jurnal Ilmiah Edunomika (JIE) Jurnal Altifani Penelitian dan Pengabdian kepada Masyarakat Abdimas Awang Long: Jurnal Pengabdian dan Pemberdayaan Masyarakat Research Fair Unisri Journal of Management and Digital Business JURNAL AKUNTANSI DAN BISNIS Jurnal Manajemen, Akuntansi, Ekonomi Indonesian Journal of Multidisciplinary on Social and Technology Jurnal Riset Manajemen Lokawati: Jurnal Penelitian Manajemen dan Inovasi Riset JAT (Journal of Accounting and Tax) Jurnal Ilmiah Ekonomi dan Manajemen JEBD Neraca Manajemen, Akuntansi, dan Ekonomi Jurnal Ilmiah Manajemen Ekonomi Dan Akuntansi (JIMEA) Jurnal Intelek Dan Cendikiawan Nusantara JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Jurnal Pajak dan Analisis Ekonomi Syariah PENG: Jurnal Ekonomi dan Manajemen Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) Ekopedia: Jurnal Ilmiah Ekonomi
Dorothea Ririn Indriastuti
Fakultas Ekonomi Dan Bisnis Univeristas Slamet Riyadi
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Nursing Public Health Social Sciences Other

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Pengaruh Literasi Keuangan, Sikap Keuangan dan Kepribadian terhadap Perilaku Pengelolaan Keuangan pada Pelaku UMKM Kuliner di Shelter Manahan Surakarta Putri Angelina Silitonga; Dorothea Ririn Indriastuti
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 3 No. 1 (2026): Januari
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v3i1.2168

Abstract

This study aims to analyze the significant influence of financial literacy, financial attitudes, and personality on financial management behavior in Culinary MSME actors at Shelter Manahan Surakarta. The type of data used in this study is quantitative data in the form of answers from respondents that are changed on the Likert scale. The data source used in this study is primary data. The data collection technique in this study was obtained through the distribution of questionnaires to the entire population of 135 respondents, using a saturated sample technique. The data analysis techniques used in this study are descriptive analysis, research instrument test, classical assumption test, t test, F test, and determination coefficient test (????2). The results of the study based on validity and reliability tests showed that all statements regarding financial literacy, financial attitudes and personality were declared valid because of the p-value of 0.05 and reliable because of the Chronbach's alpha > value of 0.60. The results of the classical assumption test showed that all variables passed the tests of multicollinearity, heterokedasticity, autocorrelation, and normal distribution. The results of multiple linear regression analysis obtained the equation Y = 5.748 + 0.207 + 0.252 - 0.024 + e. The results of the t-test (partial) proved that financial literacy and financial attitudes had a significant effect on financial management behavior, while personality had a insignificant effect on financial management behavior. The F test (model accuracy) test showed that the regression model used in this study was appropriate. The test results ????1????2????3????2 showed that the contribution of the influence of independent variables on dependents was 18.5% and the remaining 81.5% was influenced by other model variables.
PENGARUH GOOD CORPORATE GOVERNANCE TERHADAP KINERJA KEUANGAN PERUSAHAAN PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2021–2024 Ana Lathifah; Dorothea Ririn Indriastuti
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 4 No. 4 (2026): April
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v4i4.9359

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh mekanisme Good Corporate Governance (GCG) terhadap kinerja keuangan perbankan yang terdaftar di Bursa Efek Indonesia (BEI) tahun 2021–2024. Mekanisme GCG diproksikan melalui ukuran dewan komisaris, frekuensi rapat dewan komisaris, dan proporsi dewan komisaris independen, sedangkan kinerja keuangan diukur menggunakan Growth Return on Assets (Growth ROA). Menggunakan pendekatan kuantitatif dengan metode purposive sampling, diperoleh sampel sebanyak 44 perusahaan perbankan (114 observasi setelah eliminasi outlier). Teknik analisis yang digunakan adalah regresi linear berganda. Temuan penelitian menunjukkan bahwa ukuran dewan komisaris berpengaruh positif signifikan terhadap kinerja keuangan. Sebaliknya, frekuensi rapat dewan komisaris tidak memiliki pengaruh signifikan. Adapun proporsi dewan komisaris independen ditemukan berpengaruh negatif signifikan terhadap Growth ROA. Hasil ini mengindikasikan bahwa efektivitas tata kelola pada sektor perbankan pasca-pandemi lebih ditentukan oleh kapasitas struktural dewan dibandingkan intensitas aktivitas administratif.
Branding and Social Media Marketing to Increase Sales of Banana Chips Products through the use of Whatsapp Business and TikTok Rina Susanti; Dorothea Ririn Indriastuti
Abdimas Awang Long Vol. 9 No. 2 (2026): Juni, Abdimas Awang Long
Publisher : Sekolah Tinggi Ilmu Hukum Awang Long

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56301/awal.v9i2.2108

Abstract

Bu Umi’s banana chips MSME, located in Pedan Sub-district, Klaten Regency, produces a range of real food-based snacks, including banana chips, breadfruit chips, peyek, and rambak. However, the enterprise continues to face major constraints in marketing, brand identity, and the utilisation of digital technology, which has contributed to relatively stagnant sales performance. This community engagement programme aimed to strengthen product branding and enhance digital marketing capabilities through WhatsApp Business and TikTok. The programme employed a participatory approach involving discussion, training, and direct mentoring with the MSME owner. Key activities included the development of a logo and mascot, packaging refinement, the establishment of WhatsApp Business and TikTok accounts, and the preparation of promotional content. The results indicate that the partner was able to operate WhatsApp Business effectively for customer communication, product catalogue management, and pre-order-based transactions. The partner was also able to utilise TikTok as a promotional platform, leading to increased product visibility. Overall, the programme produced tangible outputs in the form of an online marketing module and strengthened digital marketing competencies, thereby supporting broader market reach and the potential for increased sales.
PENGARUH GAYA HIDUP, PERSEPSI RISIKO DAN INCOME TERHADAP MINAT PENGGUNAAN FINTECH (PAYLATER) PADA MAHASISWA FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS SLAMET RIYADI Puji Amimah; Dorothea Ririn Indriastuti
Jurnal Akuntansi dan Bisnis Vol. 6 No. 1 (2026): Mei 2026 : Jurnal Akuntansi Dan Bisnis(AKUNTANSI)
Publisher : LPPM PoliteknikPratamaKendal- Universitas Sains Dan Teknologi Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/jiab.v6i1.1729

Abstract

This study uses a quantitative method which aims to determine the effect of lifestyle, risk perception and income on interest in using paylater. The population used in this study were students of the Faculty of Economics and Business, Slamet Riyadi University, with 96 students as respondents. The sampling technique used probability sampling with stratified random sampling method. The data collection technique used a questionnaire and data processing and hypothesis testing using SPSS 27. The classic assumption test used is multicollinearity test, autocorrelation test, heteroscedasticity test and normality test. The data analysis technique uses multiple linear regression tests, t tests, F tests and R2 tests. The validity test results show that all statement items for lifestyle, risk perception, income and interest in use are valid because the p value <0.05 and reliable because Cronbach alpha> 0.60. The result classical assumption test all variables have passed the multicollinearity test, autocorrelation test, heteroscedasticity test and normality test. The results of multiple linear regression analysis obtained the equation Y = -3.809 + 0.506 X1 + 0.190 X2 + 0.322 X3 + e. The t test results show that lifestyle (X1), risk perception (X2), income (X3) has a significant effect on interest in using paylater. The F test obtained a calculated F value of 129.370 significance of 0.000 <0.05, which means that the regression mode used in this study is correct. The R2 test results show that the contribution of the influence of the independent variables to the dependent variable is 80.2%, the remaining 19.8% is influenced by other factors outside the variables such as financial literacy, perceived benefits and others.
Survival Strategy under Pressure: Expenses Retrenchment, Assets Retrenchment and Free Assets on Financial Turnaround of Negative Equity Companies on the IDX (2022-2024) Ida Ayu Fatmayuni; Sri Dwi Ari Ambarwati; Dorothea Ririn Indriastuti; Aditya Wardana
JURNAL ILMIAH EDUNOMIKA Vol. 10 No. 2 (2026): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v10i2.19490

Abstract

This study aims to analyze the effects of expense retrenchment, asset retrenchment, and free assets on the probability of financial turnaround in companies with negative equity listed on the Indonesia Stock Exchange (IDX) during the period 2022–2024. The research begins by identifying firms with negative equity, followed by classifying those experiencing financial distress using the Altman Z-Score model. The sample comprises 46 companies selected through purposive sampling, based on the criterion of having published at least one annual report within the study period. Panel logistic regression is employed in this model using STATA software. The findings demonstrate that free assets have a statistically significant and positive influence on the likelihood of a financial turnaround. This suggests that firms with a higher proportion of unencumbered or readily available assets are better positioned to respond flexibly and swiftly to financial distress without resorting to cost-cutting or asset liquidation. Conversely, expense and asset retrenchment strategies do not show a significant impact, indicating that such measures alone may be insufficient to drive recovery in the absence of adequate financial buffers. This study is limited to financial variables and does not incorporate qualitative factors such as CEO characteristics. Future research is encouraged to include non-financial dimensions to enrich the understanding of effective turnaround strategies in distressed firms.
Pengaruh Literasi Digital, Penerapan Financial Technology Dan Inklusi Keuangan Terhadap Kinerja UMKM Kuliner Di Kecamatan Pracimantoro, Kabupaten Wonogiri Dorothea Ririn Indriastuti; Danendra Yuda Pangestu
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 3 No. 01 (2026): Februari - Maret 2026
Publisher : PT. Intelek Cendikiawan Nusantara

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

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi digital, penerapan financial technology (fintech), dan inklusi keuangan terhadap kinerja Usaha Mikro, Kecil, dan Menengah (UMKM) kuliner di Kecamatan Pracimantoro, Kabupaten Wonogiri. Metode penelitian yang digunakan adalah kuantitatif dengan teknik analisis regresi linier berganda. Sampel penelitian berjumlah 83 responden pelaku UMKM kuliner. Teknik analisis data menggunakan regresi linear berganda dengan bantuan perangkat lunak SPSS. Variabel dalam penelitian ini mencakup literasi digital (X1), penerapan fintech (X2), dan inklusi keuangan (X3) sebagai variabel bebas, serta kinerja UMKM sebagai variabel terikat (Y). Hasil penelitian menunjukkan bahwa literasi digital, penerapan fintech, dan inklusi keuangan berpengaruh signifikan terhadap kinerja UMKM. Nilai koefisien determinasi (Adjusted R²) sebesar 0,704 yang berarti bahwa 70,4% variasi kinerja UMKM dapat dijelaskan oleh literasi digital, penerapan fintech, dan inklusi keuangan, sedangkan sisanya 29,6% dijelaskan oleh faktor lain di luar penelitian ini. Implikasi penelitian ini menunjukkan pentingnya peningkatan literasi digital, pemanfaatan fintech, serta perluasan akses inklusi keuangan untuk mendukung kinerja dan keberlanjutan UMKM kuliner di Kecamatan Pracimantoro. Temuan ini menegaskan pentingnya dukungan teknologi dan permodalan dalam mendorong keberlanjutan dan daya saing UMKM.
Analisis Peran Literasi Keuangan, Perilaku Keuangan Serta Financial Technology Dalam Meningkatkan Kinerja Keuangan UMKM (Survei pada Pedagang Pasar Jungke Karanganyar) Mawarni Butar Butar; Dorothea Ririn Indriastuti
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 3 (2026): Januari - Maret
Publisher : CV. ITTC INDONESIA

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

Abstract

This study explores the contribution of financial literacy, financial behavior, and financial technology to the financial performance of MSMEs among traders at Jungke Market, Karanganyar. Using a quantitative methodology, data were collected through questionnaires from 90 respondents selected using proportional cluster random sampling. Through multiple linear regression analysis, it was found that all three independent variables have significance values below 0.05, indicating a positive and significant effect on financial performance partially (t-test). The coefficient of determination (R²) of 52.3% shows that these variables are able to explain the variation in financial performance, while the remaining percentage is influenced by external factors. This study concludes that strengthening financial literacy, financial behavior, and financial technology is a key factor in improving the financial performance of business actors.
INVESTMENT GALLERY ROLE IN MODERATING FINTECH, FINANCIAL LITERACY, AND RISK TOLERANCE ON STOCK INVESTMENT DECISIONS Rina Susanti; Dorothea Ririn Indriastuti
JAT : Journal Of Accounting and Tax Vol. 5 No. 2 (2026): Special Issue
Publisher : Universitas Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36563/y364q990

Abstract

Stock investment has become increasingly popular among university students. This trend is driven by the role of the Indonesia Stock Exchange (IDX) in providing education and Investment Gallery facilities across various universities. These galleries serve as practical hubs for students to gain hands-on knowledge, enabling them to understand the mechanisms of the stock market and the practicalities of investing. This development is particularly relevant given the rapid advancement of technology and the ease of access to online trading platforms. Students who are well-educated both in theory and practice are expected to become the stock investors of the future. This is crucial for increasing the number of retail investors in Indonesia, which remains significantly lower in percentage compared to more developed nations. Consequently, this study aims to determine whether financial technology, financial literacy, and risk tolerance significantly influence investment decisions. Furthermore, it examines whether Investment Gallery educational facilities act as a moderator that strengthens or weakens the impact of financial technology, financial literacy, and risk tolerance on investment decisions.
Pengaruh Tingkat Suku Bunga, Inflasi dan Harga Emas Dunia terhadap Indeks Harga Saham Gabungan (Studi pada Bursa Efek Indonesia Periode 2020-2025) Arnetta Floren Monica; Dorothea Ririn Indriastuti
Indonesian Journal of Multidisciplinary on Social and Technology Vol. 4 No. 3 (2026): Juli - Oktober
Publisher : PT Ilmu Data Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/ijmst.v4i3.13462

Abstract

Analisis dilakukan guna mengkaji pengaruh tingkat suku bunga, inflasi dan harga emas dunia terhadap indeks harga saham gabungan pada bursa efek Indonesia selama periode 2020-2025. Data kuantitatif penelitian ini didapat dari Bank Indonesia (BI), Bursa Efek Indonesia dan web lainnya. Riset ini menggunakan data sekunder sebagai sumber data. Total sampel yang didapat dalam riset ini sebanyak 72 sampel. Teknik pengolahan data yang diterapkan menggunakan analisis regresi linear berganda, uji t, uji F dan uji koefisien determinasi. Temuan uji t mengindikasikan bahwa tingkat suku bunga tidak memiliki pengaruh signifikan terhadap indeks harga saham gabungan karena memiliki kadar signifikansi 0,120 > 0,05, inflasi tidak memiliki pengaruh signifikan terhadap indeks harga saham gabungan sebab terdapat kadar signifikansi 0,604 > 0,05 dan harga emas dunia memiliki pengaruh signifikan terhadap indeks harga saham gabungan sebab mempunyai nilai signifikansi 0,008 < 0,05. Hasil uji F memperlihatkan kadar signifikansi sebesar 0,025 < 0,05 hal ini mengindikasikan bahwa secara simultan variabel bebas yakni tingkat suku bunga, inflasi dan harga emas dunia mempunyai pengaruh signifikan terhadap variabel terikat yaitu indeks harga saham gabungan. Nilai koefisien determinasi sebesar 9,1% menunjukkan bahwa tingkat suku bunga, inflasi dan harga emas dunia secara simultan mampu menerangkan perubahan pada indeks harga saham gabungan senilai 9,1%. Sementara itu, sebesar 90,9% lainnya dipicu oleh aspek lain di luar variabel yang dianalisis lewat penelitian ini.
Pengaruh Financial Literacy, Digital Payment Dan Financial Inclusion Terhadap Kinerja Keuangan pada UMKM Kuliner Pasar Sore Di Jalan Bhali Klaten Rifqi Bernessa Putri; Dorothea Ririn Indriastuti
PENG: Jurnal Ekonomi dan Manajemen Vol. 2 No. 4 (2025): Oktober-Desember, Integrating Environmental Economics and Business Innovation f
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/bjnzc814

Abstract

This study aims to analyze the influence of financial literacy, digital payment and financial inclusion on financial performance in culinary UMKM Pasar sore on Jalan Bhali Klaten. Data collection in this study used questionnaires distributed to respondents. The sample in this study amounted to 85 traders at the Bhali Klaten afternoon market, with the type of sampling, namely saturated sampling. The analysis methods used in this study are descriptive analysis, multiple linear regression analysis, t-test, F-test (model accuracy test) and determination coefficient test (R2). The results of the t-test of the study showed that financial literacy had a significant effect on financial performance in culinary UMKM Pasar sore on Jalan Bhali Klaten with a p-value = 0.006 <0.05, digital payment had a significant effect on financial performance in culinary UMKM Pasar sore on Jalan Bhali Klaten with a p-value = 0.000 <0.05, and financial inclusion had a significant effect on financial performance in culinary UMKM Pasar sore on Jalan Bhali Klaten with a p-value = 0.018 <0.05
Co-Authors Abet Setyoko Adelia Nur Aszari Adhita Dian Pratiwi Aditya Wardana Ambarwati, Sri Dwi Ari Ana Lathifah Arnetta Floren Monica Aszari, Adelia Nur Azizah, Hanun Majid Bayu Aji Pangestu Bela Tri Widhiastuti Charlie Kuncara Jati Chintia Ayu Permatasari Danendra Yuda Pangestu Della Putri Ambarwati Dewi Ayu Puspitasari Dwi Mustika Putri Dyah Novita Sari Edi Wibowo Edi Wibowo . Eni Nurwati Eno Arbiansyah Erna Murtiningsih Fakih Yudhistira Herma Nur Widiastuti Ida Ayu Fatmayuni Ida Indriyani Masruroh Indriyana, Iin Intan, Juliana Iryanti, Rizki Novita Kharis Triyono Khoirunnisa Barorotul Ummah Laurentia Natalia Fortuna Lina Suherlianawati Marjam Desma Rahadhini Mawarni Butar Butar Mega Aprillia Sari Mutya Paramita Pratita Natalia Dwi Anastaysia Natalia Shinta Puspitasari Noreen Rajendra Hariyadi Novi Dayuwati Novita Mutiyara Sani Puji Amimah Putri Angelina Silitonga Retno Susanti Rifqi Bernessa Putri Rina Susanti Rina Susanti Rina Susanti Rina Wulandari Riska Fii Ahsani Rizki Novita Iryanti Sari, Dyah Novita Sari, Mega Aprillia Sekar Mayang Sari Setyaningsih Sri Utami Setyasih Harini Sriwidodo, Untung Sunarso Sunarso Sunarso Sunarso Suprihatimi SW Suprihatmi, Suprihatmi Sutarno Sutarno Untung Sriwidodo Untung Sriwidodo Untung Sriwidodo