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All Journal Efisiensi : Kajian Ilmu Administrasi 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 Jurnal Manajemen Bisnis dan Keuangan 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 Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Innovative: Journal Of Social Science Research Indo-Fintech Intellectuals: Journal of Economics and Business Jurnal Pengabdian Masyarakat dan aplikasi Teknologi 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 Engineering 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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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.
Financial Literacy, Financial Behavior (FoMO), and Influencers Determinants of Investment Decision Members of the Investment Gallery Forum of the Capital Market Study Group in Semarang City Budiyanti, Erfina Vesnia; Prayitno, Agus; Puspitasari, Diana; Safitri, Maria
Jurnal Ekonomi dan Bisnis Vol. 5 No. 1 (2026): Maret 2026
Publisher : Faculty of Economics and Business Universitas Dian Nuswantoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33633/jekobs.v5i1.15491

Abstract

This study aims to analyze the influence of financial literacy, financial behavior (Fear of Missing Out/FoMO), and influencers on investment decision-making among members of the Investment Gallery – Capital Market Study Group in Semarang City. The research employed a quantitative approach using purposive sampling, involving 155 respondents consisting of members, administrators, and interns of investment galleries who already possess a Single Investor Identification (SID). Data were collected through questionnaires and analyzed using multiple linear regression with the help of SPSS 25. The results reveal that all three independent variables—financial literacy, financial behavior (FoMO), and social media influencers—have a positive and significant effect on investment decisions. Among these variables, financial literacy has the most dominant influence with a coefficient value of 0.706, followed by financial behavior (FoMO) with 0.194, and influencers with 0.134. Collectively, these variables explain 48.1% of the variation in investment decision-making. The findings indicate that a strong understanding of financial concepts, psychological motivation to avoid missing out, and digital social influence from credible influencers are key factors shaping rational investment decisions among young investors.
ESG ADMINISTRATION AND GOVERNANCE IN INDONESIAN ENERGY FIRMS: EVIDENCE OF SUSTAINABLE PERFORMANCE Safitri, Maria; Minguez-Vera, Antonio
Efisiensi : Kajian Ilmu Administrasi Efisiensi Vol. 23 No. 1 Februari 2026
Publisher : Departemen Pendidikan Administrasi FEB Universitas Negeri Yogyakarta & ASPAPI PUSAT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/efisiensi.v23i1.93880

Abstract

Penelitian ini bertujuan untuk menganalisis bagaimana perusahaan energi berskala menengah dan besar di Indonesia mengimplementasikan dan mengadministrasikan prinsip Environmental, Social, and Governance (ESG) pada tingkat mikro-organisasi. Penelitian menggunakan metode studi kasus kualitatif interpretatif melalui wawancara semi-terstruktur dengan praktisi keberlanjutan dan analisis laporan serta dokumen kebijakan ESG. Hasil penelitian menunjukkan bahwa administrasi dan tata kelola ESG didorong oleh pengelolaan reputasi, kepatuhan regulatif, keterlibatan pemangku kepentingan, serta tingkat internalisasi dimensi lingkungan, sosial, dan tata kelola yang berbeda-beda. Novelty penelitian ini terletak pada penggunaan COR Theory untuk menantang pandangan normatif tentang ESG. Penelitian menyimpulkan bahwa ESG merupakan praktik organisasi yang dikonstruksi secara sosial dan bergantung pada sumber daya. Disarankan penguatan tata kelola keberlanjutan dan peningkatan kapasitas internal perusahaan. Implikasi penelitian memberikan masukan bagi pembuat kebijakan, regulator, dan pemangku kepentingan dalam merancang tata kelola dan regulasi yang lebih efektif pada industri berintensitas dampak tinggi.
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.
Pengaruh Volume, Volatilitas, dan Market Cap terhadap Return Bitcoin, Ethereum, BNB 2022-2024 Albana, Muhammad Faraz Alan; Safitri, Maria; Waluyo, Dwi Eko; Chasanah, Amalia Nur
Jurnal Manajemen Bisnis dan Keuangan Vol 7 No 1 (2026): April 2026
Publisher : https://jurnal.binamandiri.ac.id/

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51805/jmbk.v7i1.500

Abstract

Perkembangan mata uang kripto sebagai instrumen investasi digital telah mengalami pertumbuhan pesat dalam beberapa tahun terakhir. Namun, pasar mata uang kripto juga sering mengalami fenomena crypto winter, yaitu periode penurunan harga aset kripto yang signifikan yang menyebabkan volatilitas tinggi dan meningkatnya ketidakpastian pasar. Mengingat keadaan ini, sangat krusial guna memeriksa volume perdagangan, volatilitas harga, serta kapitalisasi pasar, di antara variabel-variabel lain, yang bisa memengaruhi keuntungan mata uang kripto. Maksud dari studi ini ialah guna mengkaji bagaimana volatilitas, volume perdagangan, dan kapitalisasi pasar memengaruhi imbal hasil Bitcoin, Ethereum, dan BNB selama periode 2022–2024. Riset ini menerapkan teknik kuantitatif dengan menggunakan data sekunder dari Binance Coin (BNB), Bitcoin, dan Ethereum setiap hari dari tahun 2022 hingga 2024. Regresi data panel, dibantu oleh EViews 13, dipergunakan untuk menganalisa data. Temuan mengindikasikan bahwasanya pengembalian bitcoin dipengaruhi secara positif serta signifikan oleh volatilitas harga, tetapi tidak terpengaruh oleh volume perdagangan dan kapitalisasi pasar. Berlandaskan hasil ini, volatilitas harga, bukan variabel seperti volume perdagangan atau kapitalisasi pasar, ialah penentu utama perubahan return bitcoin.
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 Albana, Muhammad Faraz Alan Alesi, Nipinoya Amalia, Rifdah Amron Amron, Amron Ariati Anomsari Ashari, Ayu Budiyanti, Erfina Vesnia Cahyani, Novita Chasanah, Amalia Nur Claudia riska, Riska claudia Dahlia Luftiani Damar, Haunan Diana Aqmala Diana Puspitasari Dias Putri Yuniar Dwi Eko Waluyo 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 Handhany, Melsanda Farelya Harjum Muharam Hartanti, Anita Herry Subagyo Ida Farida Imam Nuryanto Irene Rini Demi Pangestuti Istiqomah, Luthfiyyah Jaka Prasetya Jatmiko, Andreas Jonathan, Fandy Juli Ratnawati Kamiliya, Chantika Zulfa Karimah, Nabilatul Karis Widyatmoko Kusuma, Pradana Jati Made Gede Wirakusuma Mahmud Mahmud Marsela, Neni Minguez-Vera, Antonio 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 Ulsatunnisa, Ulsatunnisa Usman Usman Wibowo, Mochammad Eric Suryakencana Widodo, Dheevanadea Arnetta Wira Eka SuryaWijaya, Tito yitda, gartika Yovita, Lenni