Garuda - Garba Rujukan Digital

PENGARUH ORIENTASI PASAR DAN HUMAN CAPITAL TERHADAP KINERJA UMKM DENGAN INOVASI PRODUK SEBAGAI VARIABEL MEDIASI (Studi Pada Pelaku UMKM Kerajinan di Kabupaten Purworejo) Dwi Eri Yuni Hastuti; Esti Margiyanti Utami; Agus Saur Utomo
Volatilitas Jurnal Manajemen dan Bisnis Vol. 7 No. 3 (2025): VOLATILITAS - Jurnal Manajemen dan Bisnis
Publisher : Program Studi Manajemen, Fakultas Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37729/volatilitas.v7i3.6465

Sumber daya manusia berperan aktif terhadap jalannya suatu organisasi dan proses pengambilan keputusan. Organisasi dapat dikatakan berhasil ketika kinerja dalam organisasi efektif dan efisien dalam menjalankan aktivitasnya. Kinerja suatu organisasi tergantung pada kompetensi sumber daya manusia di dalamnya, baik secara individu maupun secara tim. Faktor -faktor yang mempengaruhi kinerja UMKM terdiri dari orientasi pasar, human capital, dan inovasi produk. Penelitian ini bertujuan untuk menguji pengaruh orientasi pasar, human capital, dan inovasi produk terhadap kinerja UMKM, orientasi pasar dan human capital terhadap inovasi produk, dan peran mediasi inovasi produk pada pengaruh orientasi pasar dan human capital terhadap kinerja UMKM.Populasi penelitian ini adalah pelaku UMKM kerajinan di Kabupaten Purworejo sebanyak 469 UMKM. Pengambilan sampel menggunakan metode proportionate stratified random sampling yaitu teknik yang digunakan untuk menentukan jumlah sampel, bila populasi mempunyai anggota/unsur yang tidak homogen dan berstrata secara proporsional dengan menggunakan sampel sebanyak 125 pelaku usaha. Teknik pengumpulan data menggunakan kuesioner dengan skala likert. Instrumen pengumpulan data menggunakan kuesioner yang telah diuji validitas dan reliabilitasnya dengan alat bantu Smart PLS 3.0 windows.Berdasarkan hasil penelitian menunjukkan bahwa orientasi pasar, human capital, dan inovasi produk berpengaruh positif dan signifikan terhadap kinerja UMKM, orientasi pasar dan human capital berpengaruh positif dan signifikan terhadap inovasi produk, dan inovasi produk memediasi pengaruh orientasi pasar dan human capital terhadap kinerja UMKM.

Pelatihan Literasi Keuangan Digital pada Generasi Z di Prix Municipality School Thailand Intan Puspitasari; Endah Pri Ariningsih; Esti Margiyanti Utami; Ridwan Baraba; Saputra, Murry Harmawan; Budiyanto
Jurnal Pengabdian Masyarakat Manage Vol. 6 No. 2 (2025): Agustus
Publisher : Universitas Muhammadiyah Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32528/manage.v6i2.3133

Generasi Z sebagai generasi yang sensitive terhadap teknologi digital dan memiliki kemampuan dan keterampilan dalam mengakses teknologi akan lebih familiar terhadap aktifitas-aktifitas yang ada di marketplace. Mereka cendrung juga melakukan over spending atau berbelanja secara berlebihan dengan adanya pay day loan atau pembayaran secara cicilan pada aplikasi digital financial. Oleh karena itu, tujuan pengabdian masyarakat ini adalah untuk memberikan pemahaman tentang pengelolaan keuangan (literasi keuangan) kepada generasi Z, agar dapat menggunakan digital financial yang ada secara bijaksana. Pengabdian Masyarakat internasional ini dilakukan pada Generasi Z di Prix Municipality School Thailand. Metode yang digunakan adalah dengan metode ceramah dan pelatihan melalui beberapa tahap pelaksanaan, yaitu pendahuluan, persiapan, pelaksanaan kegiatan dan pelaporan. Adapun hasil yang diperoleh adalah memberikan pelatihan pada Generasi Z, yaitu siswa sekolah menengah atas di Prix Municipality School di Thailand sebanya 30 siswa. Pelatihan Literasi keuangan Digital pada genearsi Z sangat bermanfaat bagi siswa-siswa Prix Municipality School, karena Sebagian besar siswa-siswa tidak familiar dengan financial technologi. Adapun literasi keuangan yang perlu diterapkan pada generasi Z antra lain pengetahuan, sikap dan perilaku. Dengan Tingkat literasi yang baik, akan meningkatkan kesadaran dalam memanfaatkan produk-produk keuangan yang baik pula. Perilaku yang dilakukan generasi Z untuk memahami literasi keuangan meliputi adalah bagaimana melakukan penganggaran, perencanaan, dan pengelolaan keuangan.

Work training and work discipline on employee productivity Andini Damayanti; Esti Margiyanti Utami; Fitri Rahmawati
IECON: International Economics and Business Conference Vol. 3 No. 1 (2025): International Conference on Economics and Business (IECON-3)
Publisher : www.amertainstitute.com

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65246/cx5qjb57

A good company or agency will manage human resources well. The company places human resources as the company's main asset and is very dependent on the human resources it has. It can be viewed from From an organizational standpoint, productivity represents a distinct concept that goes beyond mere attempts to improve the efficiency and outcomes both in quality and quantity of a series of activities. Rather, it should be understood within a broader economic context involving systemic processes and strategic goals. This study was conducted to examine the influence of job training on employee productivity and to evaluate the role of work discipline in enhancing productivity outcomes. The research population included all staff members of Perumda Air Minum Tirta Bumi Sentosa, located in Kebumen Regency. A census sampling technique (saturated sampling) was utilized, resulting in 102 valid respondents. Data were gathered through a structured questionnaire featuring Likert-scale items, all of which had undergone validity and reliability testing. To analyze the data, multiple linear regression analysis was applied as the core statistical method. The findings indicated that job training contributes positively to enhancing employee productivity, while work discipline.

Determining Factors for Work Readiness of Students in The Management Program at Muhammadiyah University of Purworejo Qonitatun Mardliyah; Esti Margiyanti Utami; Dedi Runanto
IECON: International Economics and Business Conference Vol. 3 No. 1 (2025): International Conference on Economics and Business (IECON-3)
Publisher : www.amertainstitute.com

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65246/9082p476

The study explores the impact of soft skills, hard skills, and internship experience on the employability of Management students at Muhammadiyah University of Purworejo's Faculty of Economics. The background of this research is the high unemployment rate among university graduates in Indonesia, indicating a gap in graduates’ readiness to enter the workforce. In the current era of globalization and digital transformation, students are required to demonstrate not only academic excellence but also essential non-academic skills like communication, leadership, and problem-solving, as well as gain hands-on experience through internships. This quantitative research adopts a survey approach, with a purposive sample of 100 students. Data were collected using questionnaires and analyzed using SPSS with multiple linear regression. The analysis confirms that work readiness is positively and significantly shaped by students’ soft skills, hard skills, and internship involvement.Soft skills exert the strongest effect (52.8%), followed by hard skills (27.9%) and internship experience (24.4%), all with a significance level of < 0.001. The R-Square value of 0.919 indicates that these three variables collectively explain 91.9% of the variation in work readiness. These results highlight the crucial role of integrating both academic and practical skill development to enhance graduate employability.

The Role of Investment Risk Perception in Improving the Relationship of Gen Z Financial Literacy to Investment Decisions Intan Puspitasari; Endah Pri Ariningsih; Esti Margiyanti Utami; Ishak
IECON: International Economics and Business Conference Vol. 3 No. 2 (2025): International Conference on Economics and Business (IECON-3)
Publisher : www.amertainstitute.com

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65246/j1qne952

This study examines the role of investment risk perception in mediating the relationship between financial literacy and investment decisions among Generation Z in Indonesia. Financial literacy, encompassing financial knowledge, financial attitudes, and financial behavior, is widely recognized as a critical determinant of financial decision-making. However, previous research has produced inconsistent results, necessitating the inclusion of investment risk perception as a mediating variable. A quantitative research design was employed using survey data from 100 respondents selected through probability sampling. Path analysis with SPSS was applied to test the direct, indirect, and total effects between variables. The results reveal that financial attitude has a significant direct effect on investment decisions, while financial knowledge and financial behavior show no direct influence. Conversely, financial behavior significantly affects investment risk perception, which in turn positively influences investment decisions. Moreover, risk perception mediates the relationships between financial attitudes and behavior with investment decisions, but not financial knowledge. These findings highlight that Generation Z’s investment decisions are strongly shaped by attitudes and behaviors when accompanied by an adequate understanding of investment risk. The study contributes to behavioral finance by demonstrating the importance of risk perception as a bridge between financial literacy and rational investment choices, offering insights for educators, policymakers, and financial institutions in fostering better investment practices among young investors.

Determining Factors for Work Readiness of Students in The Management Program at Muhammadiyah University of Purworejo Qonitatun Mardliyah; Esti Margiyanti Utami; Dedi Runanto
IECON: International Economics and Business Conference Vol. 3 No. 2 (2025): International Conference on Economics and Business (IECON-3)
Publisher : www.amertainstitute.com

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65246/fx1t9d37

The study explores the impact of soft skills, hard skills, and internship experience on the employability of Management students at Muhammadiyah University of Purworejo's Faculty of Economics. The background of this research is the high unemployment rate among university graduates in Indonesia, indicating a gap in graduates’ readiness to enter the workforce. In the current era of globalization and digital transformation, students are required to demonstrate not only academic excellence but also essential non-academic skills like communication, leadership, and problem-solving, as well as gain hands-on experience through internships. This quantitative research adopts a survey approach, with a purposive sample of 100 students. Data were collected using questionnaires and analyzed using SPSS with multiple linear regression. The analysis confirms that work readiness is positively and significantly shaped by students’ soft skills, hard skills, and internship involvement.Soft skills exert the strongest effect (52.8%), followed by hard skills (27.9%) and internship experience (24.4%), all with a significance level of < 0.001. The R-Square value of 0.919 indicates that these three variables collectively explain 91.9% of the variation in work readiness. These results highlight the crucial role of integrating both academic and practical skill development to enhance graduate employability.

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