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All Journal Jurnal Ekonomika JAKU (Jurnal Akuntansi & Keuangan Unja) (e-journal) AJIE (Asian Journal of Innovation and Entrepreneurship) Jurnal Mirai Management Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Jurnal EMT KITA Distribusi Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) JURNAL EKSBIS Abdimasku : Jurnal Pengabdian Masyarakat Bisnis Net : Jurnal Ekonomi dan Bisnis Berdikari : Jurnal Ekonomi dan Statistik Indonesia JURNAL ILMIAH GLOBAL EDUCATION Bima Journal : Business, Management and Accounting Journal COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat Dinamika Innovative: Journal Of Social Science Research Indo-Fintech Intellectuals: Journal of Economics and Business Journal of Administration Studies Jurnal Ekonomi dan Bisnis Nak-Kanak: Journal of Child Research Edusight Jurnal Pengabdian Masyarakat (EduJPM) Journal of Governance and Public Affairs International Journal Of Pedagogical Novelty (IJOPNOV)
Safitri, Maria
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Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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Peran PT BPRS Artha Mas Abadi Melalui Edukasi untuk Mendukung Peningkatan Literasi dan Inklusi Keuangan Syariah di Kabupaten Pati Fadhli, Muhammad Ataka; Oktoriza, Linda Ayu; Yovita, Lenni; Safitri, Maria
COMSERVA : Jurnal Penelitian dan Pengabdian Masyarakat Vol. 4 No. 12 (2025): COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/comserva.v4i12.3110

Abstract

Literasi keuangan Syariah di Indonesia masih kurang, khususnya di daerah pedesaan seperti Kabupaten Pati, di mana kesalahpahaman tentang perbankan Syariah dan ketergantungan pada rentenir masih tinggi. Program edukasi PT BPRS Artha Mas Abadi dirancang untuk mengatasi masalah ini. Menilai efektivitas program edukasi akad Syariah PT BPRS Artha Mas Abadi dalam peningkatan literasi serta inklusi keuangan di Pati, serta mengidentifikasi tantangan dan dampak jangka panjang. Pendekatan kualitatif deskriptif dengan wawancara mendalam pada pemangku direktur bank, masyarakat serta analisis data sekunder (laporan program, literatur). Analisis data mengacu pada model tematik. Program meningkatkan pemahaman masyarakat tentang akad Syariah (e.g., murabahah, musyarakah), kepercayaan pada produk keuangan Syariah, dan mengurangi ketergantungan pada rentenir. Tantangan meliputi akses ATM terbatas dan resistensi dari kelompok tertentu. Studi menekankan pentingnya edukasi berkelanjutan, inovasi digital (e.g., fintech), dan dukungan kebijakan untuk memperluas inklusi keuangan. Temuan dapat menjadi acuan untuk program serupa di daerah tertinggal.
Angkut.in : The Future of Trucking by Digital Product Design Journey: english Suryawijaya, Tito; Safitri, Maria
Asian Journal of Innovation and Entrepreneurship Volume 08, Issue 01, January 2024
Publisher : UII

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/ajie.vol8.iss1.art5

Abstract

Jepara Regency in Central Java, Indonesia, is renowned as the "World Carving Center" due to its flourishing furniture carving industry. Despite successfully exporting carvings globally, the distribution process encounters challenges with conventional methods, primarily due to a limited truck fleet exacerbated by the post-pandemic situation. This study aims to scrutinize the effectiveness of "Angkut.in" as an innovative solution for overcoming hurdles in heavy goods distribution, particularly furniture. Utilizing Design Thinking, the research incorporates an analysis of the application of the Technology Acceptance Model (TAM) and digital marketing strategies within the "Angkut.in" application design. Employing a Supply Chain Management (SCM) approach, the research assesses the application's impact on local innovation growth, operational efficiency, and the competitiveness of the furniture industry. Market analysis indicates a focus on the online furniture entrepreneur segment. The marketing strategy involves real-time tracking services, live price checking, and user-friendly application interfaces. The business model adopts a Business-to-Business (B2B) approach, emphasizing transportation services for large goods businesses. The business identity design encompasses color selection, typography, and graphic elements that mirror the innovative and reliable nature of goods delivery services. Risk analysis covers technological factors, market competition, loss of goods, data security, capital limitations, regulatory changes, market acceptance, and force majeure. Angkut.In is categorized as a low-risk business according to the risk analysis matrix. The prototype validation by UKM Partners yielded a score of 8.5 out of 10, indicating maturity and compliance with most evaluation criteria. The provided fix notes will guide further development steps before the official launch.
Pengaruh Perceived Quality, Customer Experience dan Customer Satisfaction Terhadap Loyalitas Pelanggan This Is April di Semarang puspita, Vinata dyan; amron, amron; safitri, maria; fatmawati, elia resha
Jurnal Mirai Management Vol 10, No 1 (2025)
Publisher : STIE AMKOP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/mirai.v10i1.8745

Abstract

Industri fesyen Indonesia berkembang seiring perubahan perilaku konsumen yang semakin progresif. Minat yang meningkat membuka peluang bisnis, namun juga memperkuat persaingan. Maka, perlu dilakukan strategi agar loyalitas pelanggan tetap tinggi. Riset ini bertujuan guna menganalisis dampak Perceived Quality, Customer Experience serta Customer Satisfaction pada Loyalitas Pelanggan This Is April di Semarang. Penelitian ini menggunakan pendekatan kuantitatif, serta teknik purposive sampling untuk mengumpulkan data dari kuesioner dengan jumlah sampel 101 responden, yakni pelanggan This Is April Semarang. Analisis data menggunakan aplikasi IBM SPSS Statistics 26 melalui metode analisis regresi linear berganda. Hasil riset mengungkapkan yakni Perceived Quality serta Customer Experience berpengaruh pada Loyalitas Pelanggan This Is April, sedangkan Customer Satisfaction tidak berpengaruh pada Loyalitas Pelanggan This Is April. Temuan ini menunjukkan pentingnya Perceived Quality dan Customer Experience dalam membangun loyalitas, sementara Customer Satisfaction bukan menjadi penentu utama. Kata Kunci: Perceived Quality, Customer Experience, Customer Satisfaction, Loyalitas Pelanggan
Analisis Kinerja Portofolio Optimal Pada Saham Perusahaan Transportasi dan Logistik Dengan Metode Sharpe, Treynor, dan Jensen Periode 2020-2024 Amalia, Rifdah; Safitri, Maria; Prawitasari, Dian; Kusuma, Pradana Jati
Bisnis-Net Vol 8, No 2: DESEMBER 2025
Publisher : Universitas Dharmawangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46576/bn.v8i2.6572

Abstract

This study aims to identify the optimal portfolio performance of transportation and logistics company stocks for the period 2020-2024. The single index model is used in the formation of optimal portfolios and stock portfolio performance assessment using the Sharpe, Treynor, and Jensen methods. This research is descriptive research with a quantitative approach. Types and sources of data come from secondary data. The data in this study were analyzed with Microsoft Excel 2021. The purposive sampling technique was used in sampling in this study. Based on the formation of an optimal portfolio using a single index model, 12 stocks were selected as part of the optimal portfolio from a total of 17 sample stocks studied, namely  SMDR, SAPX, TMAS, HELI, LRNA, JAYA, TNCA, TRUK, SAFE, ASSA, AKSI, and  WEHA.  The analysis results show that the best performance measurement is the Treynor Index which has the highest value of other calculations with a total value of 4,296.
Perceptions of Financial Risk and Investment Preferences among First Time Crypto Investors Safitri, Maria
Jurnal Ilmiah Global Education Vol. 6 No. 4 (2025): JURNAL ILMIAH GLOBAL EDUCATION
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/jige.v6i4.5016

Abstract

The swift integration of cryptocurrencies into mainstream financial systems has attracted a growing number of new investors to conventional markets. This segment entering digital asset environments for the initial time is distinctly exposed to inherent dangers like unpredictable price fluctuations, uncertainty in regulations, security threats and limited protections for members. This investigation aims to study how perceptions of monetary peril influence the investment choices of these fledgling contributors. By utilizing a quantitative, cross-sectional, correlational design, the research gathered primary data from 300 initial cryptocurrency buyers through an online structured questionnaire. The data was analyzed using descriptive statistics, factor analysis, correlation, multiple direct regression and moderation analysis. Key results indicate that heightened perceptions of fiscal risk—particularly regarding capital depletion and unstable markets—are significantly associated with cautious investment behaviors for example preferring long-term possession of assets and avoiding leverage. Additionally, the work found demographic variables such as age and income moderate the strength of these links. Grounded in the Conservation of Resources theory, the analysis offers a psychological explanation for the resource-preserving strategies embraced by new crypto investors. By focusing on an understudied population within the behavioral finance domain, this examination contributes to theoretical understanding of financial decision-making under ambiguity and furnishes practical insights for fintech platforms, investor education programs and regulatory frameworks aimed at enhancing the security and inclusiveness of digital monetary markets.
OPTIMALISASI TEH BUNGA ROSELA BERBASIS WOMAN-BASED ENTREPRENEURSHIP SEBAGAI SUMBER PENDAPATAN BERKELANJUTAN BAGI MASYARAKAT DESA LEREP Oktavia, Vicky; Safitri, Maria
Edusight Jurnal Pengabdian Masyarakat Vol. 3 No. 1 (2026): Edusight Jurnal Pengabdian Masyarakat
Publisher : Yayasan Meira Visi Persada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69726/edujpm.v3i1.253

Abstract

Desa Lerep, sebagai kawasan agrowisata, memiliki potensi besar dalam pengembangan komoditas bunga rosela (Hibiscus sabdariffa). Namun, pemanfaatannya selama ini masih terbatas secara ekonomi dan kurang melibatkan peran strategis perempuan. Penelitian ini bertujuan untuk mengoptimalisasi produksi dan pemasaran teh bunga rosela melalui pendekatan woman-based entrepreneurship sebagai upaya pemberdayaan ekonomi lokal. Metode yang digunakan adalah pendekatan kualitatif deskriptif dengan teknik pengumpulan data melalui wawancara mendalam, observasi partisipatif, studi dokumen, dan diskusi kelompok terfokus (FGD) di Desa Lerep, Kabupaten Semarang. Analisis data dilakukan secara tematik menggunakan model Miles & Huberman. Hasil menunjukkan bahwa perempuan memiliki peran sentral dalam proses hulu-hilir pengolahan rosela, namun menghadapi kendala akses modal, teknologi pengemasan, dan pemasaran digital. Penerapan model kewirausahaan berbasis perempuan terbukti meningkatkan kemandirian ekonomi, partisipasi sosial, serta kolaborasi antarlembaga. Keterlibatan perguruan tinggi sebagai pendamping teknis dan penguatan branding melalui desa wisata menjadi faktor kunci keberhasilan. Berdasarkan temuan, disarankan untuk memperluas akses pembiayaan mikro bagi kelompok perempuan, mengintegrasikan sistem pemasaran digital secara berkelanjutan, dan menjadikan model ini sebagai rujukan kebijakan pemberdayaan perempuan di tingkat kabupaten. Inisiatif ini tidak hanya meningkatkan nilai tambah produk lokal, tetapi juga memperkuat struktur ekonomi desa yang inklusif dan berkelanjutan.
EKPLORASI CONTINUANCE INTENTION PADA EXPECTATION CONFIRMATION MODEL BERKELANJUTAN PENGGUNA BUY-NOW-PAY-LATER DI KOTA SEMARANG Ningrum, Shintia Nabila; Kusuma, Pradana Jati; Safitri, Maria; Prawitasari, Dian
Distribusi - Journal of Management and Business Vol. 14 No. 1 (2026): Distribusi, March 2026
Publisher : Fakultas Ekonomi dan Bisnis Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/distribusi.v14i1.693

Abstract

This study examines the effects of financial literacy, perceived usefulness, and perceived risk on continuance intention in the use of PayLater services by considering satisfaction as a mediating variable and confirmation as a moderating variable among PayLater users in Semarang City, within the framework of the Expectation Confirmation Theory (ECT) and Technology Acceptance Model (TAM). This research adopts a quantitative approach with an explanatory research design. Data were collected through an online questionnaire from 156 active Buy Now Pay Later (BNPL) users in Semarang City using purposive sampling and were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) with SmartPLS 4. The results indicate that financial literacy has a significant effect on continuance intention, while perceived usefulness positively affects continuance intention through satisfaction. User satisfaction emerges as the strongest determinant influencing continuance intention, suggesting that actual usage experience plays a more critical role than initial perceptions. In contrast, perceived risk does not have a significant direct effect on continuance intention. These findings imply that user experience and satisfaction are more influential in sustaining BNPL usage than initial cognitive factors. This study provides practical implications for BNPL service providers to prioritize service quality and system usability. Therefore, providers are encouraged to enhance financial literacy education while strengthening service benefits and quality to improve user satisfaction and promote continued usage, particularly among PayLater users in Semarang City.
PANGERAN DIPONEGORO: The Effectiveness Of Achieving 100% UHC In The City Of Semarang Through Public Service Innovation Eka Suryawijaya, Tito Wira; Trenandi, Tendi; Jatmiko, Andreas; Safitri, Maria
Journal of Governance and Public Affairs Vol. 1 No. 1 (2024): April 2024, Journal of Governance and Public Affairs
Publisher : LPPM Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/j7tebs25

Abstract

Health services play an important role in people's lives and are the basic right of every individual. Equal and quality access to health services is crucial for people's welfare. This study aims to analyze the effectiveness of public service innovation in achieving 100% UHC in Semarang City, with a focus on PANGERAN DIPONEGORO’s inspirational contribution, in order to provide insight regarding the implementation of the health insurance program and its impact on UHC. The method used in this research is qualitative using the Double Diamond approach with primary data collection through documentation and innovation supporting literature studies and secondary data collection through literature studies and Focus Group Discussions. The results of the study show that the "PANGERAN DIPONEGORO" innovation succeeded in having a significant positive impact in achieving Universal Health Coverage (UHC) in Semarang City. There has been an increase in community participation, accessibility and quality of health services, as well as a competitive advantage that is rarely possessed by other agencies. There have been many studies using public service objects. However, little has been discussed about the contribution and innovation of public services, especially those that focus on the health sector
Keputusan Pembelian melalui E-Service Quality dan Pemasaran Media Sosial: Peran Mediasi Brand Image pada Zara di Kota Semarang Eldina, Sheila; Damar, Haunan; Safitri, Maria; Fatmawati, Elia Resha
Jurnal EMT KITA Vol 10 No 4 (2026): OCTOBER 2026
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v10i4.6780

Abstract

The increasing use of digital platforms in shopping activities has encouraged companies to improve the quality of their e-services and social media marketing strategies to influence consumer purchasing decisions. This study aims to analyze the influence of e-service quality and social media marketing on purchasing decisions with brand image as a mediating variable for Zara products. This study uses a quantitative approach with a survey method. The research sample consisted of 190 respondents who were Zara consumers and were selected using a purposive sampling technique. Data collection was carried out through a questionnaire with a Likert scale, then analyzed using the Structural Equation Modeling (SEM) method. The results of the study indicate that e-service quality and social media marketing have a positive and significant effect on brand image. Brand image also has a positive and significant effect on purchasing decisions. In addition, the results of the mediation test prove that brand image plays a significant mediator in the relationship between e-service quality and social media marketing on purchasing decisions. These findings confirm that improving digital service quality and the effectiveness of social media marketing can strengthen brand image, which ultimately encourages increased consumer purchasing decisions for Zara products.
Pengaruh Influencer, Online Customer Review, dan Viral Marketing terhadap Keputusan Pembelian Produk Skincare Skintific di Kota Semarang Oktavina, Radifajna Annis; Amron, Amron; Safitri, Maria; Oktavia, Vicky
Jurnal EMT KITA Vol 10 No 4 (2026): OCTOBER 2026
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v10i4.6790

Abstract

This study aims to examine the influence of influencers, online customer reviews, and viral marketing on purchasing decisions for Skintific skincare products in Semarang. The approach used was quantitative with a survey method, where data was obtained by distributing questionnaires to respondents who had knowledge or experience with the product. Furthermore, the data was analyzed using Partial Least Squares (PLS) to identify the relationship and level of influence between the research variables. The results showed that all three variables had a positive and significant influence on purchasing decisions, with online customer reviews emerging as the strongest factor in driving consumer choice. This indicates that reviews shared by other users can increase trust, provide an overview of product quality, and help consumers reduce risk before making a purchase. Furthermore, the presence of influencers and the widespread dissemination of information through viral marketing also strengthened purchasing interest by providing greater exposure to the product. Overall, these findings emphasize the importance of utilizing an integrated digital marketing strategy oriented towards consumer information needs. By optimizing these three aspects, companies have the opportunity to increase purchasing tendencies, strengthen brand positioning, and face increasingly competitive market competition.
Co-Authors Adiba, Sarah Adibaturrohmah, Adibaturrohmah Agus Prayitno Agustin, Alief Alesi, Nipinoya Amalia Nur Chasanah Amalia, Rifdah Amron Amron, Amron Ariati Anomsari Ashari, Ayu Cahyani, Novita Claudia riska, Riska claudia Dahlia Luftiani Damar, Haunan Diana Aqmala Diana Puspitasari Dias Putri Yuniar Eka Suryawijaya, Tito Wira Eldina, Sheila Eric Suryakencana Wibowo, Mochammad Eugenianda, Alfarizqi Nur Fadhli, Muhammad Ataka Faricha, Dewi Farid, Mohamad Naufal Fatmawati, Elia Resha Gufron, Ahmad Syaiful Gutama, Zulfikar Harjum Muharam Hartanti, Anita Ida Farida Irene Rini Demi Pangestuti Istiqomah, Luthfiyyah Jaka Prasetya Jatmiko, Andreas Juli Ratnawati Karimah, Nabilatul Karis Widyatmoko Kusuma, Pradana Jati Made Gede Wirakusuma Mahmud Mahmud Marsela, Neni Neni Kurniawati Ningrum, Shintia Nabila Ningrum, Widya Setya Oktavia, Vicky Oktavina, Radifajna Annis Oktoriza, Linda Ayu Pamungkas, Angling Sadewo Aji Pamungkas, Natalinda Piji Pakarti Pramesti, Tia Prawitasari, Dian Prihandono, Adi Puji Purwatiningsih, Aris puspita, Vinata dyan Putri, Safa’a Amalia Riskiyah, Fadilatur Rizky, Ivan Prabaswara Rudi Kurniawan Samasta, Almira Santi Saputra, Mochamad Adi Setiawan, Aries Setyahuni, Suhita Suharnawi Suharnawi Suhita Whini Setyahuni SURYAWIJAYA, TITO Trenandi, Tendi Usman Usman Wibowo, Mochammad Eric Suryakencana Widodo, Dheevanadea Arnetta Wira Eka SuryaWijaya, Tito yitda, gartika Yovita, Lenni