Abstract:This study examines the implementation of the Quick Response Code Indonesian Standard (QRIS) among Micro, Small, and Medium Enterprises (MSMEs) and analyzes the effect of ease of use on transaction efficiency. This research…
rch employs a quantitative explanatory approach based on a field study conducted in Teluk Ambon District. Data were collected through structured questionnaires distributed to MSME actors who have implemented QRIS as a digital payment system. A total of 30 MSMEs were selected using purposive sampling based on predefined criteria. The collected data were analyzed using validity and reliability tests, descriptive statistics, simple linear regression analysis, t-test, and coefficient of determination (R²). The results show that ease of use has a positive and significant effect on transaction efficiency, with a significance value of 0.033, which is lower than the 0.05 significance level. The coefficient of determination (R²) value of 0.153 indicates that ease of use explains 15.3% of transaction efficiency, while the remaining 84.7% is influenced by other factors not examined in this study. These findings support the Technology Acceptance Model (TAM) proposed by Davis and confirm that QRIS contributes to improving transaction efficiency among MSMEs. This study provides theoretical contributions to digital payment adoption literature and practical implications for policymakers, financial institutions, and MSME actors.
Abstract:This study aims to analyze the role of perceived usefulness (PU) and perceived ease of use (PEOU) in mediating the relationship between financial behavioral biases—namely financial literacy (FL), overconfidence (OC), and…
nd risk tolerance (RT)—and Bitcoin investment decisions among Generation Z in Indonesia, using the Tokocrypto and Indodax platforms. Employing a quantitative approach with a survey of 360 active Generation Z investors, data were analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS). The findings indicate that financial literacy, risk tolerance, PU, and PEOU have a direct positive and significant effect on Bitcoin investment decisions. Overconfidence, however, showed no significant direct effect. Furthermore, PU and PEOU partially mediated the relationships between financial literacy and investment decisions, as well as between risk tolerance and investment decisions. Notably, PEOU emerged as the strongest mediating pathway, particularly for risk tolerance. Conversely, neither PU nor PEOU mediated the relationship between overconfidence and investment decisions. This research contributes theoretically by integrating Behavioral Finance theory with the Technology Acceptance Model (TAM) in the context of high-risk digital assets. Practically, it offers insights for platform developers to enhance user experience and design targeted financial education, and for regulators to formulate behaviorally-informed investor protection policies.
Abstract:This study analyzes the use of the BTN Properti for Developer application in the Home Ownership Credit (KPR) application process at Bank BTN Manado Branch using the Technology Acceptance Model (TAM) and User Experience (UX)…
UX) approaches. The study used a descriptive qualitative method through in-depth interviews with four developer users of the application. Data analysis was conducted using the Miles and Huberman model which includes data reduction, data presentation, and conclusion drawing. The results show that the BTN Properti for Developer application is generally well received by developers because it is considered easy to use, has a clear application flow, and is able to improve the efficiency of time, costs, and energy through a digital process. However, several obstacles were still found, such as limited document upload size, navigation that is not fully intuitive, and delays in status updates outside of operating hours. Support from BTN was considered quite responsive through training and direct communication, although improvements in the communication features in the application are needed. Based on the TAM analysis, application acceptance is influenced by perceptions of usefulness and ease of use, while from a UX perspective the application shows good usability and usefulness quality, but still requires development in the aspects of interactivity and accessibility. This study concludes that the BTN Properti for Developer application plays an important role in supporting the digital transformation of mortgage applications, with a note that continuous development is needed to optimize services and be user-oriented.
Abstract:This article examines political practices concerning gender issues in Indonesia by highlighting the roles of maternalism (ibuisme) and the hijab as symbolic political instruments. Maternalism positions women within the social…
ocial construction of nurturing “mothers of the nation,” while the hijab functions as a symbol of religiosity and cultural identity used to strengthen electoral legitimacy. Although these symbols may provide women with access and acceptance in political spaces, they often limit the meaning of women’s participation by emphasizing symbolic representation rather than substantive capability and political ideas. This analysis employs a qualitative approach based on a literature review of academic studies on political representation, identity politics, patriarchy, and citizenship. The findings indicate that maternalism and the hijab reflect the persistent dominance of patriarchal culture in Indonesian politics, resulting in gender-biased forms of female citizenship. Therefore, critical awareness and deeper reflection are needed to ensure that women’s representation in politics does not remain merely symbolic but instead fosters substantive participation for a more inclusive democracy.
Abstract:This study aims to analyze the factors influencing the attitudes and decisions of lower-class communities in adopting Islamic bank mobile banking services, with a specific focus on the BSI Mobile application. The research…
h applies the Technology Acceptance Model (TAM) developed by Davis (1989), emphasizing two key constructs—perceived ease of use and perceived usefulness—as determinants of users’ attitudes and decisions. The study employs a quantitative approach using a survey method involving 100 lower-class customers of Bank Syariah Indonesia (BSI) Sibuhuan. Data were analyzed using Structural Equation Modeling (SEM) with the Partial Least Squares (PLS) technique through SmartPLS 4.0 software. The results indicate that perceived usefulness significantly affects both attitude and decision to use, while perceived ease of use influences attitude indirectly. The R² value for attitude (0.743) and decision (0.654) shows that the model has strong explanatory power. These findings reveal that lower-income customers are more motivated by perceived benefits, such as convenience, time efficiency, and transaction security, rather than interface simplicity. From a practical perspective, the study suggests that Islamic banks should strengthen digital literacy, user assistance, and customer trust to enhance mobile banking adoption among lower-class communities.
Abstract:Stunting is a condition of failure to thrive in children under 5 years of age due to chronic malnutrition, especially in the first 1.000 days of life (HPK), which is apparent after the child is years old, resulting in the…
e child being shorter than thein peers In Purbalingga Regency, the prevalence of stunting in toddlers is 26,8 %, wasting in toddlers is 6,5 %, and underweight in toddlers 16,1%. The prevalence of stunting in Purbalingga Regency remains relatively high, thus requiring affordable and safe local nutritional interventions to support the growth and development of children under five. One of the alternative approaches to address stunting is through the provision of moringa leaf pudding. This study aimed to determine the changes in body weight and height after the administration of moringa leaf pudding in a stunted toddler over a 14-day intervention. This qualitative case study was conducted on a two-year-old stunted toddler (An. M). The intervention consisted of providing 100 grams of moringa leaf pudding every two days (a total of seven servings) over 14 days. Anthropometric measurements were taken at baseline (before intervention), at the seventh meeting, and at the end of the intervention (fourteenth meeting). In addition, observation of pudding acceptance and a brief interview with the family regarding dietary habits were conducted. After receiving moringa leaf pudding every two days for 14 days, the toddler experienced a weight gain of 0.4 kg and an increase in height of 0.9 cm. Observations indicated that the child accepted the moringa leaf pudding well, although mild boredom occurred midway through the intervention. Interviews with the family revealed that the provision of moringa leaf pudding improved the toddler’s appetite, leading to measurable weight and height gains. The provision of moringa leaf pudding every two days for 14 days had a positive effect on increasing body weight and height in this case of a stunted toddler. Therefore, moringa leaf pudding may serve as an alternative nutritional support to improve the growth of stunted children, particularly in regions with a high prevalence of stunting.
Abstract:This study aims to analyze the implementation of the Hospital Management Information System (HMIS) and its impact on operational efficiency at XYZ Hospital in Pamekasan. In the digital era, hospitals are required to enhance…
nce service quality and operational efficiency through the utilization of information technology. HMIS is an innovation designed to integrate managerial and administrative processes within hospitals, including patient data recording, resource management, and other healthcare service procedures. This research adopts a descriptive qualitative approach with purposive sampling techniques, involving informants such as medical personnel, administrative staff, and hospital management who are directly involved in the use of HMIS.The results indicate that the implementation of HMIS has a positive impact on the hospital’s operational efficiency, including the acceleration of administrative processes, improved data accuracy, and easier coordination between work units. However, the implementation also faces several challenges, such as limited technological infrastructure, user resistance to change, and insufficient training for staff. These findings are supported by the HOT-Fit framework and Technology Acceptance Model (TAM), all of which emphasize the importance of technological readiness, human resource competence, and organizational commitment in ensuring the successful adoption of HMIS.
Abstract:This study highlights the urgent need to instill an understanding of religious moderation among church congregations in Indonesia’s pluralistic society, as a means to reduce religious tensions and extremism. Although the…
he Indonesian government has promoted the concept of religious moderation, its implementation within church communities remains underexplored. This research aims to identify effective strategies for fostering a moderate and inclusive understanding of religious moderation within Indonesian church congregations. A qualitative methodology was employed using a literature review approach based on relevant scholarly sources. Findings indicate that foundational strategies involve strengthening theological understanding of religious moderation from a Christian perspective, emphasizing core teachings such as love as the greatest commandment, Christian hospitality as practical application, and the theological principle of mutual acceptance (Romans 15:7). Furthermore, the study underscores the vital role of churches in this process through inclusive religious education, improved moderate religious literacy, responsible use of social media, engagement in interfaith dialogue, and systematic training programs. Cultivating a moderate and inclusive attitude requires nurturing humility, reinforcing national commitment in line with Pancasila, embracing diversity, rejecting extremism, and actualizing these values in daily life. To overcome challenges, the study recommends effective socialization, enhanced religious literacy, wise media engagement, collaboration with various stakeholders, exemplary leadership, and continuous program evaluation. The study concludes that religious moderation is an essential contribution of the church to national unity, conflict prevention, the upholding of national values, interfaith harmony, and the strengthening of national identity.
Abstract:This study aims to analyze the role of Personal Innovativeness in influencing the actual use of the MyTelkomsel application through an extended Technology Acceptance Model (TAM). In this model, Personal Innovativeness is…
positioned as a core construct that influences three key user perceptions: Perceived Ease of Use, Perceived Usefulness, and Perceived Enjoyment. A total of 355 respondents participated in the study, and the data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings reveal that seven out of eight hypothesized paths between constructs in the model demonstrate statistically significant effects. The only non-significant relationship is found between Perceived Ease of Use and Attitude Toward Use, suggesting that ease of use is no longer a major determinant of user attitudes toward digital applications, possibly because it is now perceived as a basic standard in technology usage. Conversely, Personal Innovativeness consistently exerts a significant influence on all three key perceptions, which in turn affect users’ attitudes, intentions, and actual behaviors. These results underscore the strategic role of innovative personal characteristics in driving adoption and active engagement with digital applications. The practical implications highlight the importance of user segmentation based on innovation levels, the development of enjoyable features, and the refinement of user experience to promote sustained engagement within digital ecosystems such as MyTelkomsel.
Abstract:Nori is a seaweed-based food that is favored by the Indonesian people, but its availability is still limited. Meanwhile, the abundant production of land kale (Ipomoea reptans) as a local vegetable has not been optimally…
utilized, resulting in low economic value and its potential as a food source has not been maximized. One solution to overcome this problem is to use organic land kale as an alternative ingredient for making nori. Organic land kale is known to have good nutritional content and is commonly consumed by the community. This study aims to determine the level of acceptance of analog nori made from organic land kale as a healthy snack through organoleptic tests. The method used was an experiment with a completely randomized design (CRD), consisting of 24 samples, 6 treatments, and 4 repetitions. The treatment given was carrageenan concentration (0%, 0.6%, 0.8%, 1%, 1.2%, and 1.4%) Data were analyzed using the Friedman Test to assess panelists' preferences for taste, color, aroma, and texture parameters. It can be concluded that the results show the addition of carrageenan at 1% produces analog nori with the highest level of acceptance, so it is considered the most optimal formulation.