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Indriasari, Ika
Fakultas Ekonomi Dan Bisnis, Universitas PGRI Semarang, Jawa Tengah
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Perilaku Keuangan Memediasi Hubungan Hedonisme, Perencanaan Keuangan dan Stres Keuangan Terhadap Pengelolaan Keuangan Pribadi Rezky Rahmawati; Sumastuti, Efriyani; Indriasari, Ika
Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan Vol. 6 No. 1 (2026): Februari : Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurimbik.v6i1.1525

Abstract

Personal financial problems are not only experienced by low-income individuals but also by salaried employees. This phenomenon also occurs among employees of PT Eclat Textile International, where some still struggle to manage their finances effectively. This study aims to analyze the influence of hedonism, financial planning, and financial stress on personal financial management, with financial behavior as a mediating variable. The research approach used quantitative methods through a survey of non-labor employees. Data were collected using a structured questionnaire and analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS). The results show that financial planning has a positive effect on financial behavior and personal financial management, while hedonism and financial stress tend to have a negative impact. Financial behavior has been shown to play a significant role as a mediator, strengthening the positive influence of financial planning and minimizing the negative impacts of hedonism and financial stress on personal financial management. These findings emphasize the importance of developing healthy financial behavior through education and habituation, so that employees can achieve long-term financial stability.
Pengaruh Literasi Keuangan, Inklusi Keuangan, dan Pembayaran Digital terhadap Kinerja UMKM : Studi Kasus UMKM Kuliner di Kecamatan Boja Rika Kusuma Wardani; Indriasari, Ika; Nastiti , Prianka Ratri
Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan Vol. 6 No. 1 (2026): Februari : Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurimbik.v6i1.1528

Abstract

This study aims to examine the effect of financial literacy, financial inclusion, and digital payment on the performance of culinary MSMEs in Boja District. The research employed a quantitative method with a purposive sampling technique, involving 100 culinary MSME owners. Data were collected using questionnaires with a Likert scale and analyzed through multiple linear regression using SPSS version 25. The results indicate that financial literacy has a positive and significant effect on MSME performance, financial inclusion has a positive but insignificant effect, while digital payment has a positive and significant effect on MSME performance. Simultaneously, the three variables significantly influence MSME performance. This research is expected to serve as an input for MSME actors and related stakeholders to enhance performance through strengthening financial literacy, expanding access to financial inclusion, and optimizing the use of digital payments.
Pengaruh Disiplin Kerja, Kompetensi Dan Kepemimpinan Terhadap Kinerja Pegawai Bpkpad Kabupaten Demak Vindy Febi Kinara; Ika Indriasari; Rita Meiriyanti
Journal of Management and Social Sciences Vol. 2 No. 1 (2023): Februari : Journal of Management and Social Sciences
Publisher : Sekolah Tinggi Ilmu Administrasi Yappi Makassar Jl. Sumba no 46, Kota Makassar, Sulawesi Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jimas.v2i1.212

Abstract

Penelitian ini bertujuan untuk menguji secara empiris pengaruh disiplin kerja, kompetensi dan kepemimpinan terhadap kinerja pegawai BPKPAD Kabupaten Demak. Populasi penelitian ini adalah seluruh Pegawai BPKPAD Kabupaten Demak. Sampel yang digunakan dalam penelitian ini adalah 85 orang responden. Di dalam penelitian ini menggunakan teknik total sampling, yaitu teknik seluruh jumlah populasi dijadikan sampel. Kemudian metode pengumpulan data melalui kuosioner dan analisa data menggunakan SPSS 21 yang meliputi uji validitas, reliabilitas, uji asumsi klasik, analisis regresi berganda, pengujian hipotesis menggunakan uji t dan uji R2. Hasil penelitian ini menunjukkan bahwa seluruh variabel bebas, yaitu disiplin kerja, kompetensi dan kepemimpinan berpengaruh positif dan signifikan terhadap kinerja pegawai (Y) secara parsial maupun stimultan (bersama-sama). Berdasarkan nilai koefisien determinasi sebesar 0,794 atau 79,4%. Yang artinya bahwa keberadaan variable independent (kepemimpinan, disiplin kerja dan kompetensi) kepada kinerja pegawai mumpunyai pengaruh sebesar 79,4% sedangkan sisanya yaitu 20,6% dipengaruhi oleh variable lain yang tidak digunakan peneliti di dalam penelitian ini.
SUKUK SEBAGAI ALTERNATIF INSTRUMEN INVESTASI DAN PENDANAAN Indriasari, Ika
BISNIS Vol 2, No 1 (2014): Bisnis: Jurnal Bisnis dan Manajemen Islam
Publisher : Universitas Islam Negeri Sunan Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v2i1.5250

Abstract

Sukuk is a form of Islamic investment instrument that is developing in Indonesia and various countries in the world. The superiority of Sukuk as a form of relatively safe investment makes sukuk accepted as an investment tool as well as funding for countries with a majority of Muslim and non-Muslim populations. The Indonesian government began to establish rules regarding sukuk since 2008 and continues to develop and innovate in sukuk transactions. Greetings and interest in investing in Indonesian sukuk are very good, both in the domestic and global markets. This can be seen from the oversubscription that occurs in Indonesian sukuk. Great interest in sukuk, especially in Indonesia shows that sukuk can provide good alternatives for investors and the country for funding needs in Indonesia's development.
GADAI SYARIAH DI INDONESIA Indriasari, Ika
BISNIS Vol 2, No 2 (2014): Bisnis: Jurnal Bisnis dan Manajemen Islam
Publisher : Universitas Islam Negeri Sunan Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v2i2.5267

Abstract

Salah satu lembaga keuangan yang telah dirasakan manfaatnya oleh masyarakat selama ini untuk kebutuhan dana yang mendesak adalah pegadaian. Pada beberapa kota besar, pegadaian ini juga menjadi lembaga keuangan yang cukup populer, khususnya menjelang moment-moment khusus seperti hari raya atau saat tahun ajaran baru berlangsung. Dapat dikatakan bahwa masyarakat lebih mudah dengan adanya lembaga keuangan yang dapat mencairkan dana kebutuhan mereka dengan waktu yang relatif sangat cepat, dengan jaminan berupa barangbarang berharga yang dimilikinya. Praktik Rahn merupakan alternatif bagi masyarakat yang memerlukan dana tambahan yang bersifat mendadak yang memenuhi syariat Islam. Sebagian besar masyarakat yang memilih gadai syariah adalah masyarakat yang memang memahami bahwa riba atau bunga dilarang dalam Islam, sehingga pegadaian syariah adalah solusi yang tepat bagi pemenuhan kekurangan dana, pemenuhan kebutuhan yang mendadak maupun alternatif pembiayaan, khususnya untuk investasi emas
PENGARUH LITERASI KEUANGAN, PENDAPATAN, MODAL MINIMAL, DAN PENGETAHUAN INVESTASI TERHADAP KEPUTUSAN INVESTASI KARYAWAN: (Studi Kasus pada Karyawan di Kantor Perpajakan) Ameliya Dian Pratiwi; Ika Indriasari; Rita Meiriyanti
TRANSEKONOMIKA: AKUNTANSI, BISNIS DAN KEUANGAN Vol. 3 No. 5 (2023): September 2023
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/transekonomika.v3i5.525

Abstract

The importance of understanding financial and investment aspects for employees, especially in the tax sector, is highlighted in the context of making smart financial decisions. In this context, financial literacy, income, minimum capital, and investment knowledge are crucial factors that may influence employees' investment decisions. This study aims to test and analyze the effect of financial literacy, income, minimal capital, and investment knowledge of employee investment decisions. The sample in this study was 99 sumatran taxation employees who were calculated using the slovin formula. In this study used the quantitative method with sampling technique in this study using a Probability Sampling with a Simple Random Sampling approach. This study uses multiple linear regression analysis and classic assumption tests. The results of this study show that there is no influence between the financial literacy variable on employee investment decisions, the income variable has a positive and significant influence on employee investment decisions, there is no influence between the minimum capital variable on employee investment decisions, and investment knowledge which has a positive and significant influence. significant impact on employee investment decisions.
Pengaruh Pengetahuan Kewirausahaan, Motivasi Berwirausaha, Ekspektasi Pendapatan, dan Peran Media Sosial Terhadap Minat Berwirausaha Siti Fatimah Nurul’aini; Ika Indriasari; Ratih Hesty Utami Puspitasari
Journal of Islamic Entrepreneurship and Business Research Vol. 1 No. 2 (2024)
Publisher : Yayasan Al Ma'arif Dawuhan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66955/jiebr.v1i2.39

Abstract

Unemployment remains a persistent challenge for many developing countries, including Indonesia, and addressing it requires innovative approaches. One potential solution is fostering entrepreneurship, which can enhance creativity and provide individuals with opportunities to develop and implement their ideas. Entrepreneurship not only supports personal economic independence but also contributes to broader economic growth. This study focuses on analyzing the factors that influence entrepreneurial interest among university students, particularly at Universitas PGRI Semarang. Specifically, it examines the impact of entrepreneurial knowledge, entrepreneurial motivation, income expectations, and the role of social media on students' entrepreneurial interest. The research employs a quantitative approach using multiple linear regression analysis and involves a sample of 100 respondents. Data were collected through structured questionnaires and analyzed using SPSS 25 for hypothesis testing. The results reveal that entrepreneurial knowledge (X1) and entrepreneurial motivation (X2) do not significantly influence students’ entrepreneurial interest (Y). However, income expectations (X3) and the role of social media demonstrate a significant positive effect on entrepreneurial interest. These findings highlight the importance of external factors, such as financial incentives and technological tools, in shaping students’ inclination toward entrepreneurship. Social media, in particular, plays a crucial role as a platform for marketing, networking, and idea generation, emphasizing its relevance in contemporary entrepreneurial ecosystems. This study underscores the need for educational institutions to integrate practical entrepreneurial strategies and digital literacy into their curricula to better prepare students for entrepreneurial ventures.
Pengaruh Persepsi Harga, Promosi, Kualitas Produk, Gaya Hidup, dan Citra Merek terhadap Pembelian Motor Vespa Matic LX di Kota Tegal Rizqi Roman Azmi; Rauly Sijabat; Ika Indriasari
Jurnal Manajemen Kewirausahaan dan Teknologi Vol. 2 No. 4 (2025): Desember: Jurnal Manajemen Kewirausahaan dan Teknologi
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jumaket.v2i4.1083

Abstract

The development of the automotive industry, especially automatic motorcycles in Indonesia, is increasingly rapid and triggers fierce competition between manufacturers, including Piaggio with the Vespa Matic LX product which has a unique design, elegant image, and different characteristics from other automatic motorcycles. This study aims to analyze the influence of price perception, promotion, product quality, lifestyle, and brand image on the interest in buying Vespa Matic LX in people in Tegal City. The research approach uses quantitative methods with survey techniques. The study population is the people of Tegal City who use or own a Vespa Matic LX, and because the population is unknown, the sample determination uses the Lemeshow formula so that 100 respondents were obtained. Data analysis included instrument tests, classical assumption tests, and multiple linear regressions with the help of IBM SPSS Statistics 22. The results showed that all variables—price perception, promotion, product quality, lifestyle, and brand image—had a positive and significant effect on purchase interest. These findings confirm that the management of the right marketing strategy in terms of price, promotion, quality, lifestyle, and brand image can increase consumer interest in the Vespa Matic LX. This research provides important implications for companies in formulating marketing strategies that are more effective and oriented to consumer needs.
The Influence of Work-life Balance and Workload on Employee Performance through Physical Well-being Ely Aeni Dieka Prahesti; Rr. Hawik Ervina Indiworo; Ika Indriasari
Jurnal Manajemen dan Profesional Vol. 7 No. 1 (2026): Jurnal JPRO
Publisher : Program Studi Manajemen Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32815/jpro.v7i1.2955

Abstract

This research was conducted to examine the effect of work-life balance, workload, and physical well-being on employee performance at PT Widodo Karya Sejahtera, with physical well-being acting as an intervening variable. The study employed a quantitative research design using a survey method by distributing questionnaires to production employees. The collected data were analyzed using the Structural Equation Modeling–Partial Least Squares (SEM-PLS) technique with the assistance of SmartPLS software. The findings indicate that work-life balance and physical well-being have a positive and significant influence on employee performance. Meanwhile, workload does not show a significant effect on employee performance. Furthermore, the results also demonstrate that physical well-being significantly mediates the relationship between work-life balance and workload with employee performance.
Co-Authors AB Prabowo Adhi, Antono Herry Purnomo Aditya Yusuf Afrida Salfadani Ainun Nafisah, Ainun Amelia, Dhea Rizky Ameliya Dian Pratiwi Anggi Mirdiyantika Antono Herry Purnomo Adhi Arsika Ndriana, Rescy Ary Susatyo Nugroho Aryan Eka Prastya Nugraha, Aryan Eka Prastya BAYU KURNIAWAN Bayu Kurniawan Brilianda, Zenita Cahya Faridatul Umami Dara Aprillia, Mandariska Darmaputra, M Fadjar Darmaputra, Mochamad Fadjar David Firna Setiawan Dhea Rizky Amelia Dian Apradika Kusumawati Dwi Fitriyanto Dwi Nur Aini Efriyani Sumastuti Eko Sumartono, Eko Elfiyana Dianti Ely Aeni Dieka Prahesti Endah Rita Sulistya Dewi Eriza Nariyanti Ervina I, Rr Hawik Ervina I, Rr. Hawik Eva Yuliana Putri Febriliantino, Edofahnni Ferina Agustini Ferina Kusuma Fika Ahmad Gultom, Henry Casandra Hariyani, Johana Rizki Heri Prabowo Hesty Utami, Ratih hikmawati, nurul Hutami, Dhevi Salsabila Meidiana Indah Rahmawati Ira Setiawati Ira Setiawati Ira Setiawati, Ira Ismi Khoiriyah Jesika Erliana Kharis Triyogi Khoiroh, Laili Muthiatul Khoirunnisa, Rahmanita Khoirurrofik, Fathur Lailatul Maesyaroh Laily, Zulfa Latifah , Mia Latifatun Nafiah Launada Hasnadia Salsabila Givari Lilik Ariyanto Maharani, Esa Zulfamaylia Maysah, Ummi Meiriyanti, Rita MIFTAKHUL JANNAH Mira Dwi Utami Mudzanatun Mudzanatun Muh. Saifuddin Muhamad Abidin Nadia Apriliana Nastiti , Prianka Ratri Nafis Suroyya Novita Sari nurlaela, lina Nurul Fauziyah Oktaviani, Regina Pandega Ricky Andika Pramesti, Diva Edningtyas Gita Pratiwi, Ameliya Dian Pratiwi, Mita Anggi Prianka Ratri Nastiti Prianka Ratri Nastiti, Prianka Ratri Prima Daniyati Kusuma Purnamasari, Hilda Putri Rahma Dhani Qristin violinda Radika Hera Ramadani Rahmayani, Putri Ranti Suryani Ratih Hesty Ratih Hesty Utami P Ratih Hesty Utami Puspitasari Rezky Rahmawati Rika Kusuma Wardani Rionia Budiati Laksono Rita Meiriyanti Rizqi Dian Saputra Rizqi Roman Azmi Rr Hawik Ervina I Rr Hawik Ervina Indiworo Rr. Hawik Ervina I Safitri, Anik Dian Santoso, Ahmad Rofiq Saputri, Alfina Yulia Saraswati, Novi Senowarsito, Senowarsito Septi Wulan Sari Setiawan, David Firna Setiawati , Ira Setyorini, Noni Sifana Nahdalia Siti Fatimah Nurul’aini Siti Helmyati Siti Khoiriyah Sobaruddin A, Shofif Solekah Sakirin, Najikatus Sugiarto Sugiarto Supandi SUTRISNO Sutrisno Sutrisno Utami, Ratih Hesty Vindy Febi Kinara Widiastuti, C. Tri Wulansari, Septi Yuliana Nuraini Yunita Ayu Maulidiyah