Abstract:This study aims to determine the extent to which financial literacy affects the financial management behavior of MSME actors in DKI Jakarta, by considering the role of attitudes towards financial risk and the use of financial…
ncial technology as mediating variables. The background of this study comes from the fact that there are still many MSME players who are not able to manage their finances optimally, even though access to information and digital financial services is quite widespread. Using a quantitative approach, data were collected from 156 individual business owners and analyzed through the Partial Least Squares Structural Equation Modeling (PLS-SEM) method. The results showed that financial literacy did not have a significant direct effect on financial management behavior. However, financial literacy has a positive and significant effect on financial risk attitudes and financial technology. These two variables directly influence financial management behavior, and act as mediators in the relationship between financial literacy and financial management behavior. These findings emphasize the importance of a financial literacy approach that not only focuses on increasing knowledge, but also includes the formation of rational risk attitudes and the practical use of financial technology. This kind of literacy strategy is considered more relevant and effective in improving the financial management of MSME actors, especially in the current digital era.
Abstract:The objective of this research was to prove whether using Choral Reading strategy can improve reading comprehension of the eight grade students of SMP Negeri 13 Palu. This research limited the use of Choral Reading strategy…
egy in improving students' reading comprehension, which focuses on literal meaning and descriptive text. This research used quasi-experimental research design involving an experimental class and a control class. The sample of this research were students of VII B as the experimental class, which consisted of 31 students, and the students of VIII A as the control class, which consisted of 31 students. The data was collected through pre-test and post-test. The results confirmed that the mean score of the experimental class had increased from 44.87 to 73.83. On the other hand, in the control class, it has increased from 48.29 to 62.64. The results of the test were analyzed statistically by applying 0.05 level of significance. The researcher found that the value of the t-count was higher than the t-table (4.59 > 1.67). In other words, the implementation of choral reading strategy can develop students' reading comprehension of the eighth-grade students of SMP Negeri 13 Palu. This strategy has a significant impact on the English learning process, especially helping students in reading comprehension to find information about the text and understand the entire meaning of the text, so that students can practice choral reading as their independent reading comprehension strategy in the future
Abstract:The purpose of this article is to find out the Analysis of Strategic Communication Discourse for the Eradication of the Free Papua Organization (OPM) by TNI-POLRI Officials in Online Media News Framing. The theory used is…
s Social Construction with a constructivist approach. Descriptive qualitative research method with analytical analysis referring to online media news texts. The research results show that strategic communication, TNI-POLRI received support from the Chairman of the MPR to carry out operations to eradicate OPM. Murder data in ( CNN Indonesia : 27: 12: 2023) states that the National Police recorded a total of 199 KKB attacks and 146 victims during 2023, while Jonh Roy Purba in detiknews (28/12/ 2022) stated that the Papua Regional Police recorded 90 cases of group crimes Armed criminals (KKB) will be handled throughout 2022. According to Johnson and Scholes (2005), strategy determines the direction and scope of an organization in the long term, and they say that it should determine how resources should be used and configured to meet market and stakeholder needs. Michael Porter, emphasizes the need for strategy to define and communicate an organization's unique position, and says that it must determine the organizational resources, skills, and competencies must be combined to create competitive advantage. Recommendations, further research Security Communication Discourse Analysis of the attitudes of Human Rights Organizations in Indonesia on OPM issues.
Abstract:This study explores the integration of Artificial Intelligence (AI) in the development of the heritage tourism destination Taman Sari Yogyakarta. As a cultural site with rich historical and architectural values, Taman Sari…
ri has great potential to become a leading historical tourism destination through the application of modern digital technologies. This research is highly relevant in the context of the Society 5.0 era, where digital transformation and multi-stakeholder collaboration through the pentahelix model (government, academia, business sector, community, and media) are key approaches in sustainable tourism governance. The objectives of this research are: (1) to identify the potential of AI application in enhancing the attractiveness of Taman Sari as a heritage tourism site, (2) to analyze the role of local communities in the digital transformation of the destination, and (3) to formulate a structured collaborative strategy for the development of AI based heritage destinations. The research employs a qualitative method using data collection techniques including observation, in-depth interviews, and documentation. Informants included representatives from government, local communities, academia, tourism businesses, and tourists. Thematic analysis was used to interpret the data and identify patterns and meanings related to stakeholder participation and partnership.
The findings indicate that AI can serve as a tool for cultural preservation and enhancement of tourist experiences, through features such as historical chatbots and augmented reality. However, challenges remain, including limited infrastructure, low digital literacy among local communities, and weak inter-stakeholder collaboration. The study also finds that local communities have the potential to act as agents of digital literacy if actively involved in training programs and AI-based tourism management.
The research concludes that developing heritage tourism destinations like Taman Sari requires strong synergy among stakeholders through the formation of inclusive digital collaboration forums. AI technology can be a valuable medium for cultural preservation when implemented in a contextual, participatory, and sustainable manner.
Abstract:This study aims to determine the influence of the Prasiaga Scout extracurricular program on the character education of children aged 4–6 years. The research employs a descriptive quantitative approach. Data were collected…
ted through observation, interviews, and questionnaires distributed to teachers and parents. The research sample consisted of 30 children who actively participated in Prasiaga Scout activities. The data analysis results indicate that children involved in the Prasiaga Scout program demonstrated positive character development. The character values observed include tolerance, responsibility, independence, discipline, cooperation, and patriotism. Therefore, the Prasiaga Scout program can be considered a relevant strategy to strengthen character education in early childhood education settings.
Abstract:The purpose of this study is to ascertain how well SMP Kota Cirebon's speaking abilities may be enhanced by the ARKA approach. Quantitative research using a survey design is the methodology employed. Surveys and closed tests…
ests measuring the six aspects of speaking ability—pronunciation, grammar, vocabulary, fluency, understanding, and tasks—were used to gather data. SPSS version 25 was used for data analysis. The findings show that SMP Kota Cirebon's speaking ability had been significantly affected by the ARKA approach. This is demonstrated by the coefficient of determination (R Square) value of 0.636, which indicates that the ARKA approach accounts for 63.6% of the diversity in students' speaking ability. In addition, the multiple linear regression model is statistically significant (Sig. = 0.000 < 0.05), according to the ANOVA test findings. According to the study's findings, junior high school students' speaking abilities can be enhanced by the ARKA technique, which is also a creative and relaxing alternative teaching strategy.
Abstract:This study aims to analyze the empowerment strategy applied by Anggrek 6 Joint Business Group (KUBE) in improving community welfare in Siantan Hulu Village, North Pontianak District. Using a descriptive qualitative approach,…
ach, data was obtained through observation, in-depth interviews, and documentation of KUBE members, facilitators, and Social Service representatives. The results showed that effective empowerment strategies include participatory group formation, adaptive ongoing assistance, and activity planning based on local needs and potential. Drivers of success include support from community leaders and member motivation, while barriers include low education and geographical constraints. This study emphasizes the importance of a group-based empowerment approach in supporting the improvement of the socioeconomic welfare of poor urban communities.
Abstract:Shopee, as one of the e-commerce establishments established in 2015 and part of the Sea Group in Southeast Asia, has succeeded in creating a safe, user-friendly and fast online shopping platform. With strong operations in…
n seven markets in Southeast Asia, Shopee not only provides a platform for buyers to find products, but also provides training and support to their sellers. The rapid growth of e-commerce in Indonesia is also influenced by factors such as the increase in population, increasing smartphone and internet users, and the development of financial technology companies. The convenience of online shopping encourages consumers to buy various desired products so that they are encouraged to behave consumptively. This then stimulates the phenomenon of impulse buying in consumers. Currently, economic activities are dominated by Generation Z's behavior to carry out activities such as scrolling, online shopping, and making transactions. Some marketplaces have not paid attention to the positive emotions of consumers with the Generation Z group in the target market, hedonic shopping motivation, fear of missing out, and shopping lifestyle that can trigger impulsive purchases which are part of the consideration of the preparation and strategy of innovative marketing targets according to the needs of market psychology. This study aims to find out how much respondents assess hedonic shopping motivation, fear of missing out, and shopping lifestyle, find out the influence of hedonic shopping motivation, fear of missing out, and shopping lifestyle on impulse buying generation Z, find out the influence of positive emotions on impulse buying generation Z, to know the influence of hedonic shopping motivation, fear of missing out and shopping lifestyle on impulse buying through positive emotions. This study uses a quantitative method. The sampling technique uses purposive sampling. The data obtained was 385 respondents by distributing questionnaires online. The respondents in this study are Generation Z Shopee users in Indonesia. Data analysis was conducted using Structural Equation Modeling-Partial Least Squares (SEM-PLS) which was then processed with SMARTPLS. The results of this study are hedonic shopping motivation, fear of missing out, shopping lifestyle, positive emotion have a significant positive effect on impulse buying.
Abstract:This study examines the relationship between the concept of Maqashid Al-Quran and the optimization of budget management in the context of Islamic economics. Using the systematic literature review method, this article collects…
lects and analyzes publications from Scopus indexed journals in the last 10 years to identify conceptual frameworks and indicators of budget efficiency that can be synergized with the principles of Maqashid Al-Quran. The findings of the study show that the implementation of maqashid values—such as the protection of soul, religion, intellect, descent, and property—can be the basis for formulating budgeting policies that are not only efficient but also socially just. In addition, this article develops an innovative analysis model, integrates budget efficiency indicators with the maqashid principle, and offers practical implementation recommendations for researchers and policymakers. The implications of this research are expected to help in the formulation of more holistic and progressive Islamic economic policies. This research has shown that the integration of the principles of Maqashid Al-Quran into budget management has the potential to improve fiscal policy by strengthening aspects of justice, transparency, and efficiency. Using the systematic literature review method, this article not only identifies gaps in the conventional literature, but also offers an innovative framework that can be used as a reference for researchers and practitioners in the development of Islamic economics. The implementation of this framework requires a joint commitment between stakeholders to reform fiscal governance and integrate ethical values at every policy stage. It is hoped that the results of this research will provide inspiration for the development of a long-term strategy that is progressive, based on maqashid in budget management, and will be an important contribution in realizing public governance that is fair, efficient, and oriented towards community welfare.
Abstract:This study examines how online media frames student demonstrations and how student voices are disarticulated in the news, especially in relation to the state's legitimacy strategy. The study period covers 2022 to 2024, when…
hen the intensity of the student movement increased in response to various public policy issues. The main purpose of this research is to uncover the practice of digital mainstream media representation of student actions and dissect the ideological power relations between state actors and civil society groups in the realm of media discourse. The approach used is Norman Fairclough's three-dimensional model of Critical Discourse Analysis (AWK), which includes analysis at three levels: textual structure (lexical and syntactic), discourse practice (the process of production and consumption of texts), and social practice (ideological and institutional context). Five news articles from Kompas.com were analyzed in depth as the main sample. The results of the study show that online media tends to frame student actions through dictionaries that reduce the meaning of their struggle, such as "chaos," "secured," and "not conducive," while prioritizing quotes from state officials or security forces. This disarticulation plays a role in strengthening the state's authority in shaping public opinion and shows the tendency of the media as a hegemonic agent. These findings emphasize the urgency of ideological awareness-based media literacy so that people are able to criticize and not passively accept media discourse.