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All Journal SEGMEN Jurnal Manajemen dan Bisnis Among Makarti KEUNIS Jurnal Akuntansi dan Pajak Jurnal Ilmiah Ekonomi Islam EBSJ JIAFE (Jurnal Ilmiah Akuntansi Fakultas Ekonomi) ISOQUANT : Jurnal Ekonomi, Manajemen dan Akuntansi Jemasi Jurnal Ekonomi Manajemen dan Akuntansi Jurnal Ilmu Manajemen dan Akuntansi Terapan Jurnal Ilmiah Edunomika (JIE) Budimas : Jurnal Pengabdian Masyarakat International Journal of Seocology Jurnal Peduli Masyarakat Jurnal Ekonomi, Manajemen, dan Akuntansi Universitas Ngudi Waluyo JOURNAL OF BUSINESS AND ECONOMICS RESEARCH (JBE) Ascarya: Journal of Islamic Science, Culture and Social Studies International Journal of Economy, Education and Entrepreneurship (IJE3) Indonesian Journal of Engagement, Community Services, Empowerment and Development (IJECSED) Berdikari : Jurnal Ekonomi dan Statistik Indonesia Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) ADPEBI International Journal of Business and Social Science Jurnal Pengabdian Masyarakat Akademisi Jurnal Pengabdian Mitra Masyarakat (JPMM) National Conference on Applied Business, Education & Technology (NCABET) Journal of Economics and Public Health E-Prosiding Seminar Nasional Manajemen dan Akuntansi STIE Semarang (SENMAS) Prosiding Seminar Nasional Unimus IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita JUKEMAS : Jurnal Pengabdian Kepada Masyarakat Jurnal Manajemen dan Inovasi Kewirausahaan
Ristianawati, Yuyun
STIE Totalwin Semarang
Religion Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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LITERASI KEUANGAN, PERSEPSI RISIKO, DAN TEKNOLOGI KEUANGAN DALAM KEPUTUSAN INVESTASI GENERASI Z (Studi Kasus Pada Mahasiswa di Kabupaten Jepara) Eka Yulia Prameski, Daffina; Ristianawati, Yuyun
JURNAL ILMIAH EDUNOMIKA Vol. 9 No. 2 (2025): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v9i2.17233

Abstract

Penelitian ini bertujuan untuk mengeksplorasi pengaruh literasi keuangan, persepsi risiko, dan teknologi finansial terhadap keputusan investasi di kalangan Generasi Z. Populasi yang diteliti adalah Generasi Z di Kabupaten Jepara, dengan jumlah 187.954 orang. Sampel diambil dengan menggunakan purposive sampling, dengan kriteria responden berusia 17-28 tahun, berstatus mahasiswa aktif, memahami konsep dasar investasi, dan menggunakan teknologi finansial. Berdasarkan pendekatan Slovin, diperoleh 100 responden. Analisis data dilakukan dengan regresi linier berganda. Hasil penelitian menunjukkan bahwa literasi keuangan memiliki pengaruh negatif dan tidak signifikan terhadap keputusan investasi. Sebaliknya, persepsi risiko dan teknologi keuangan terbukti berpengaruh positif dan signifikan terhadap keputusan investasi di kalangan Generasi Z di Kabupaten Jepara. Temuan ini menyoroti pentingnya faktor psikologis dan teknologi dalam mendorong partisipasi investasi generasi muda.
CUSTOMER EXPERIENCE MELALUI STRATEGI OMNICHANNEL: STUDI PADA INDUSTRI RITEL DI SEMARANG Hadi, Arman; Ristianawati, Yuyun; Rosyada Fitriati, Ika
JURNAL ILMIAH EDUNOMIKA Vol. 9 No. 2 (2025): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v9i2.17234

Abstract

The rapid advancement of digital technology has transformed the retail industry, prompting businesses to adopt omnichannel strategies that integrate various sales channels to provide seamless and consistent shopping experiences. However, the extent to which these strategies enhance customer experience and foster customer loyalty remains a critical issue. This study aims to analyze the impact of omnichannel strategies on customer experience and their subsequent effect on customer loyalty in the retail industry of Semarang. A quantitative approach was employed, utilizing survey data from 250 respondents who had shopped at omnichannel retail stores. The data were analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS) to examine relationships between variables. The findings reveal that omnichannel strategies significantly enhance customer experience, particularly through channel integration, service consistency, and ease of access to information (β = 0.65; p < 0.01). However, these strategies do not directly impact customer loyalty (β = 0.12; p > 0.05); instead, customer experience acts as a mediating factor (indirect effect = 0.47; p < 0.01). The study's limitations include its focus on a single city, limiting generalizability to broader markets. Additionally, external factors such as pricing competition and cultural shopping preferences were not extensively examined. The findings suggest that merely implementing omnichannel strategies is insufficient to cultivate customer loyalty. Retailers must optimize personalized services and enhance the overall shopping experience to retain customers effectively. Future research should explore the role of big data and AI-driven personalization in strengthening omnichannel customer engagement across diverse retail landscapes.
Edukasi dan Inspirasi: Pentingnya Melanjutkan Kuliah untuk Mewujudkan Generasi Emas Ristianawati, Yuyun; Taswan, Taswan; Rozak, Hasan Abdul; Rosyid, Azis Nur; Nugroho, Prihasantyo Suryo
Jurnal Peduli Masyarakat Vol 7 No 4 (2025): Jurnal Peduli Masyarakat: Juli 2025
Publisher : Global Health Science Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37287/jpm.v7i4.7094

Abstract

Pendidikaan merupakan fondasi utama dalam menciptakan sumber daya manusia unggul menuju Indonesia emas 2045. Namun di desa Kecapi, Jepara, masih ditemukan tantangan dalam melanjutkan pendidikan ke jenjang yang lebih tinggi, terutama terkait keterbatasan biaya, waktu dan motivasi. Kegiatan pengabdian ini bertujuan memberikan edukasi dan inspirasi kepada Masyarakat mengenai pentingnya kuliah untuk generasi muda. Metode pelaksanaan berupa ceramah, diskusi interaktif, dan studi kasus yang dilakukan di aula rumah petinggi desa Kecapi. Hasil kegiatan menunjukkan bahwa 95.5% peserta terdiri dari petinggi Desa dan perangkat Desa yang ada di Kecamatan Tahunan dari respon yang disampaikan memahami materi yang diberikan dan menunjukkan antusiasme tinggi. Edukasi yang diberikan berhasil meningkatkan kesadaran pentingnya Pendidikan tinggi sebagai modal utama dalam meningkatkan kualitas hidup dan daya saing global.
The Effect of Human Resource Competencies, Accounting Information Systems, Internal Control Systems, Characteristics of SMEs on the Quality of Financial Reports Nugroho, Prihasantyo Siswo; Ristianawati, Yuyun; Astuti, Ratna Puji
Journal of Economics and Public Health Vol 4 No 2 (2025): Journal of Economics and Public Health: June 2025
Publisher : Global Health Science Group

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37287/jeph.v4i2.7109

Abstract

The purpose of this study was to determine the effect of human resource competencies , accounting information systems, internal control systems, and MSME characteristics on the quality of financial statements . The data in this study were collected by conducting a questionnaire survey on 100 MSME players in Pekalongan Regency) to analyze the role of human resource competency variables, accounting information systems , internal control systems , and MSME characteristics in improving the quality of financial reports . The data collection technique used a simple random sampling technique with the Slovin formula to obtain a sample of 100 MSME actors . The results of this study provides evidence that human resource competencies and accounting information systems have an influence on the quality of financial statements . Meanwhile , the internal control system and the characteristics of MSMEs have no influence on the quality of financial statements . So the influential variables in this study are human resource competencies and accounting information systems.
Mendorong Motivasi Belajar: Studi tentang Faktor-faktor yang Mempengaruhi Keputusan Pegawai untuk Melanjutkan Studi S2 di Kab Jepara Taswan; Ristianawati, Yuyun; Rosyid, Azis Nur
JUKEMAS : Jurnal Pengabdian Kepada Masyarakat Vol. 2 No. 3 (2025): JUKEMAS: Jurnal Pengabdian Kepada Masyarakat, September 2025
Publisher : Lumbung Pare Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60126/jukemas.v2i3.1200

Abstract

Pengabdian masyarakat ini bertujuan untuk mengidentifikasi dan menganalisis faktor-faktor yang mendorong motivasi pegawai instansi pemerintah di Desa Jepara untuk melanjutkan studi ke jenjang S2. Latar belakang Pengabdian Masyarakat ini adalah pentingnya peningkatan kompetensi sumber daya manusia dalam menghadapi tuntutan pekerjaan dan perkembangan zaman. Metode yang digunakan adalah penyuluhan pemberian materi diskusi dan wawancara mendalam untuk mengumpulkan data dari pegawai. Hasil Pengabdian Masyarakat menunjukkan bahwa terdapat beberapa faktor internal, seperti keinginan untuk meningkatkan jenjang karier dan penguasaan ilmu, serta faktor eksternal seperti dukungan dari pimpinan dan ketersediaan beasiswa, yang signifikan dalam memengaruhi keputusan mereka. Kesimpulan dari studi ini adalah pentingnya sinergi antara kebijakan instansi dan kesadaran pribadi pegawai untuk mendorong budaya belajar berkelanjutan guna mendukung pembangunan daerah.
Keputusan Investasi: Literasi Keuangan, Perilaku, dengan Moderasi Persepsi Risiko Kue, Apolonia; Ristianawati, Yuyun
JMIK: Jurnal Manajemen dan Inovasi Kewirausahaan Vol. 1 No. 1 (2025): Jurnal Manajemen dan Inovasi Kewirausahaan (JMIK)
Publisher : PT. Syalma Global Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64532/tnykbw91

Abstract

Perkembangan ekonomi di era globalisasi harus dengan pengelolaan keuangan yang lebih hati-hati. Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan, dan perilaku keuangan terhadap keputusan investasi dengan persepsi resiko sebagai variabel moderating. Variabel independen yang digunakan adalah literasi keuangan dan perilaku keuangan. Variabel dependen yang di gunakan adalah keputusan investasi. Variabel moderating yang digunakan adalah persepsi resiko.Populasi dalam penelitian ini adalah pada mahasiswa kelompok studi pasar modal, Sekolah Tinggi Ilmu Ekonomi Totalwin Semarang pada tahun 2019-2022. Metode penentuan sampel yang digunakan adalah metode sensus dengan sampel sebanyak 103 responden. Metode analisis penelitian ini menggunakan regresi linear berganda dan analisis regresi moderating. Hasil penelitian ini menunjukan bahwa literasi keuangan berpengaruh negatif dan signifikan terhadap keputusan investasi, perilaku keuangan berpengaruh positif dan signifikan terhadap keputusan investasi, persepsi resiko tidak mampu memoderasi pengaruh antara literasi keuangan dan perilaku keuangan terhadap keputusan investasi. Penelitian mendatang dapat fokus pada literasi keuangan dan perilaku keuangan
Interest Saving In Islamic Banks: Profit Sharing, Religiosity, Product Diversity, And Moderation By Promotions Putri, Rizky Cahyani; Ristianawati, Yuyun
IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Vol 13 No 1 (2024): IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita - June
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/iqtishaduna.v13i1.1841

Abstract

This research aims to analyze the influence of profit sharing, religiosity, and product diversity on interest in saving at Islamic banks, with promotion as a moderating variable. The population of this research is students at private Universities in Central Java, with a total of 465,584 people, according to the latest source from Central Statistics Agency Central Java. The sampling technique used random sampling with a sample size of 100 people after being measured using the Slovin approach. The analysis technique for this research uses multiple linear regression and moderated regression analysis (MRA). The data is processed using IBM SPSS 25 software. This research shows that partially profit sharing, religiosity, product diversity, and promotion positively and significantly affect interest in saving at Islamic banks. Promotion can moderate the relationship between profit sharing and religiosity on interest in saving at Islamic banks. However, promotion cannot moderate the relationship between product diversity and interest in saving at Islamic banks. This research can complement existing theories and be a reference source for further research. It can also be a source of information for Islamic banking to increase customer interest in saving through profit sharing, religiosity, and diversity of products and promotions.
PERILAKU PENGELOLAAN KEUANGAN: PENDAPATAN, SIKAP KEUANGAN, LITERASI KEUANGAN, DAN LOCUS OF CONTROL SEBAGAI VARIABEL INTERVENING Romadoni, Desi Ariyani; Ristianawati, Yuyun
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 3 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i3.14045

Abstract

The purpose of this research is to determine the influence of income, financial attitudes and financial literacy on financial management behavior through locus of control as an intervening variable in Semarang Regency MSMEs. The research method used is quantitative research. The sampling technique used was purposive sampling of 100 MSME respondents in the Semarang Regency area. The data used in this research is primary data by distributing questionnaires to MSMEs. The questionnaire consists of the respondent's identity as well as statements related to financial management behavior. Data were analyzed using SPSS version 25 software by testing validity, reliability, classical assumptions, multiple regression, coefficient of determination, and Sobel test. The results of this research show that income and financial literacy have a positive and significant effect on locus of control in MSMEs; financial attitude does not have a positive and significant effect on locus of control in MSMEs; there is a positive and significant influence between income, financial literacy, and locus of control on financial management behavior in MSMEs; and there is no positive and significant influence of financial attitudes on financial management behavior in MSMEs; income and financial attitudes mediated by locus of control have no effect on financial management behavior; Financial literacy mediated by locus of control influences financial management behavior.
PENGARUH PROFITABILITAS DAN LIKUIDITAS TERHADAP KEBIJAKAN DEVIDEN DENGAN UKURAN PERUSAHAAN SEBAGAI VARIABEL MODERATING Paramastri, Tyasa Putri; Ristianawati, Yuyun
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 3 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i3.14046

Abstract

The purpose of this study is to determine the effect of Profitability and Liquidity on Dividend Policy with Company Size as a moderating variable in Companies listed on the Indonesian Stock Exchange which are listed in LQ45 in 2018-2022. To test this, researchers used quantitative descriptive methods with secondary data collection techniques in the form of annual financial reports. The data analysis techniques used are multiple linear regression and moderated regression analysis. The results of this research show that Profitability has a significant positive effect on Dividend Policy, Liquidity has an insignificant negative effect on Dividend Policy, Company Size is able to moderate the influence of Profitability on Dividend Policy, Company Size is able to moderate the influence of Liquidity on Dividend Policy.
Islamic Financial Inclusion Determines Strategic Agility Diversification Investment to Improve the Financial Performance of BMT in Central Java Hartono, Setyo Budi; Ristianawati, Yuyun
KEUNIS Vol. 14 No. 1 (2026): JANUARY 2026
Publisher : Finance and Banking Program, Accounting Department, Politeknik Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32497/keunis.v14i1.6639

Abstract

In Indonesia, the efforts of BMT to improve its financial performance are hindered by Islamic Financial Inclusion (IFI), whose main provision—namely collateral—can prevent customers from applying for financing. Therefore, managers must adopt a novel non-financial approach, namely Strategic Agility Diversification Investment (SADI), which is developed through measurements of investment alignment, risk innovation, and data growth using the Markowitz theory and physical aptitude. This study tests the SADI indicators on 116 BMT managers in Central Java using AMOs 20.0. The results reveal that the variables of IFI—i.e., FI challenges, benefits, and realization—influence how SADI improves BMT’s financial performance. Furthermore, the direct effect of IFI on BMT’s financial performance is also tested, and the result shows a negative relationship. Thus, it can be concluded that the intervention of SADI in non-financial aspects is highly decisive in achieving IFI for BMT’s financial performance enhancement.
Co-Authors Adhitya Yoga Prasetya Adi Santoso Arianto, Rama Dwi Astohar Astohar Azis Nur Rosyid Bayu Kurniawan Dessy Noor Farida Dewi Oktafiani Dewi Oktafiani Dhian Andana Rini Minar Savitri DHIAN ANDANARINI MINAR SAVITRI Dhian Andarani Minar Savitri Diovany Tirtana Eka Yulia Prameski, Daffina Fania Mutiara Savitri Fanji Farman Hadi, Arman Hapsari, Pascalista Dwi Hartono, Setyo Budi Hasan Abdul Rozak Irawan Yuswono Jumadi, Muhamad Kiswoyo Kiswoyo Kiswoyo Kue, Apolonia Noor Salim Noor Salim Nugroho, Prihasantyo Siswo Nugroho, Prihasantyo Suryo Nusuki, Ina Paramastri, Tyasa Putri Praptitorini, Mirna Dyah Prasetyanto, Wahyu Eko Prihansantyo Siswo Nugroho Prihasantyo iswo Nugroho Putri Puspitasari Putri, Rizky Cahyani Ramadhanti, Fina Setya Ratna Puji Astuti, Ratna Puji Romadoni, Desi Ariyani Rosyada Fitriati, Ika Setyo Budi Hartono Sri Hartono, Sri Taswan, Taswan Turmudhi, Anis Wahab, W Widita, Mella