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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 Faktor Internal dan Eksternal Terhadap Harga Saham Subsektor Semen Yuniar, Ayu Rizky; Kusuma, Pradana Jati; Safitri, Maria; Zakaria, Fakhmi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 4 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i4.11611

Abstract

This study examines the determinants of share prices of companies in the cement sub-sector on the Indonesia Stock Exchange (IDX), focusing on internal and external factors during the period 2020–2024. The internal factors analysed include the Debt to Equity Ratio (DER), Current Ratio (CR), and company age (AGE), while external factors include interest rates and Gross Domestic Product (GDP). The research method used is a quantitative approach based on secondary data sourced from the IDX, companies' annual financial reports, and statistical data released by the Central Statistics Agency (BPS). The research sample includes six cement sub-sector companies determined through purposive sampling, resulting in 120 quarterly panel data observations. The assessment was conducted using panel data regression with a Fixed Effect Model (FEM) selected from the Chow test and Hausman test, supported by classical assumption testing and hypothesis testing. The results of the study reveal that all independent variables simultaneously have a significant effect on stock prices. Individually, CR has a positive and significant effect, while AGE has a negative and significant effect on stock prices. Meanwhile, DER and interest rates produce an insignificant negative relationship, and GDP has a positive but insignificant effect. This study reveals that the movement of cement sub-sector stock prices can be explained by the interaction of internal and external factors, with liquidity and company age as the main determinants in conditions of overcapacity and macroeconomic uncertainty.
Co-Authors Adiba, Sarah Adibaturrohmah, Adibaturrohmah Agus Prayitno Agustin, Alief 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 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 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 Ulsatunnisa, Ulsatunnisa Usman Usman Wibowo, Mochammad Eric Suryakencana Widodo, Dheevanadea Arnetta Wira Eka SuryaWijaya, Tito yitda, gartika Yovita, Lenni Yuniar, Ayu Rizky Zakaria, Fakhmi