Abstract:This study examines the legal certainty of financing for Indonesia's Desa Merah Putih Cooperative (KDMP) initiative, analyzing the institutional tension between cooperative independence and state intervention. Rooted in…
the constitutional mandate for cooperatives as a cornerstone of the Indonesian economy, the KDMP program aims to establish 80,000 village-level cooperatives through state-facilitated credit lines and technical assistance. However, this top-down model raises concerns about undermining cooperative autonomy enshrined in Law No. 25/1992 and the principle of subsidiarity. Employing a normative juridical research design, this study draws on secondary data from legal literature and primary legal materials to systematically examine relevant norms and doctrines. Findings reveal a tenuous alignment between state financing mechanisms and cooperative autonomy, primarily due to the proposed reliance on state-owned bank credit lines rather than direct state budget grants, leading to legal ambiguity regarding accountability and oversight. The potential for mass loan defaults and the contentious use of Village Funds as collateral further complicate legal certainty and risk hidden liabilities. Comparative insights from India's Amul cooperative and the Philippines' barangay cooperatives illustrate successful models where government acts as a facilitator without impinging on cooperative self-governance or member control. This study advocates for a recalibrated regulatory approach featuring transparent oversight, proportional supervision, and participatory decision-making to reconcile developmental imperatives with cooperative principles, ultimately enhancing legal certainty and ensuring that state-supported cooperatives remain genuinely member-driven enterprises.
Abstract:The purpose of this research is to find out how the EFL Students' perceptions of using AI Paraphrasing Tool and the factors influencing the EFL Students' perceptions of using AI Paraphrasing Tool in Academic English Writing…
ing Class at the Eighth Semester of English Language Education Study Program South Tapanuli Education Institute . The informants of this research consist of 15 students. The researcher uses purposive sampling technique to get the subjects or informants. The data was obtained by distributing the questionnaire and interviewing for the informants. It is found that the result of the EFL Student's perceptions of using AI Paraphrasing Tool in Academic English Writing Class at the Eighth semester of the English Language Education Study Program of the South Tapanuli Education Institute is positive category. The researcher found that the mean score of Strongly Disagree categories (10.3%), Disagree (18%), Neutral (29%) and Agree (20.3%), Strongly Agree (22.3%). Furthermore, the result of factors influencing the EFL Students' perceptions of using AI Paraphrasing Tool in Academic English Writing Class in Academic English Writing Class at the Eighth semester of English Language Education Study Program South Tapanuli Education Institute is external factors more dominant than internal factors. A part of seven factors (Smith (1945), in this study, during the interview process, researchers found that there were other factors that influenced students in making decisions about using AI Paraphrasing Tool, it is a factor of cost.
Abstract:This article analyzes Indonesia's communication strategy in the multilateral Coral Triangle Initiative on Coral Reefs, Fisheries, and Food Security (CTI-CFF) cooperation, focusing on strategic communication approaches and…
d environmentally-based digital diplomacy. The CTI-CFF is a crucial platform for Indonesia to build its image as a maritime leader and protector of the region's environment. This research employs a literature review and exploratory content analysis of scientific literature, policy documents, and social media content from relevant institutions, such as the Ministry of Maritime Affairs and Fisheries (MMAF) and the CTI-CFF Regional Secretariat. The findings indicate that Indonesia utilizes the CTI-CFF not only as a policy cooperation instrument but also as a strategic communication medium that combines the framing of environmental and food security issues. The "healthy ocean = safe food" framing is a key narrative used to frame environmental issues within the context of national security. Furthermore, using social media as a digital diplomacy tool demonstrates Indonesia's efforts to expand the influence of environmental communication in a public and participatory manner. This study emphasizes the importance of strategic communication in ecologically based regional cooperation. It opens up opportunities for further research on the effectiveness of digital diplomacy and public engagement in national environmental campaigns.
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 rapid diffusion of Buy-Now-Pay-Later (BNPL) services has reshaped consumption in emerging economies. This article examines how materialistic value orientations stimulate impulsive buying through BNPL usage among Indonesian…
donesian PayLater users. A cross-sectional survey of 670 respondents was analysed with partial least-squares structural-equation modelling (PLS-SEM). Materialism had a strong positive effect on BNPL adoption (β = 0.762) and a moderate direct effect on impulsive buying (β = 0.350). BNPL, in turn, exerted a substantial impact on impulsive buying (β = 0.480) and partially mediated the materialism–impulsivity link (indirect β = 0.366). The model explained 65% of BNPL variance and 72% of impulsive buying variance, while exhibiting acceptable fit indices (SRMR = 0.035; NFI = 0.885). Findings highlight BNPL’s dual role as a financial innovation and a behavioural catalyst, raising implications for platform design, consumer literacy programmes, and regulatory oversight.
Abstract:Corporate culture plays an important role in shaping employee engagement and productivity. PT XYZ held Culture Fest as a form of internalizing cultural values to all employees. This study aims to analyze the effect of experience…
perience during the event on satisfaction, post-event attitudes, and employee productivity. This research uses a quantitative approach with a survey method of 100 PT XYZ employees who participated in Culture Fest 2024. Data were collected through a Likert scale-based questionnaire, and the data were analyzed using Structural Equation Modeling (SEM) with the help of SmartPLS software. The results showed that experience during the event had a significant effect on satisfaction and post-event attitudes. In addition, satisfaction with the event also had a positive effect on post-event attitudes, and these attitudes had a significant effect on employee productivity. This research confirms the importance of designing meaningful and relevant internal events as a strategic means to improve employee commitment and performance through strengthening organizational culture.
Abstract:This study is motivated by the lack of use of mathematics learning tools such as student worksheets (LKPD) at MAS Darul Istiqomah Padangsidimpuan, where teacher handbooks and textbooks are more frequently used. Additionally,…
lly, the students' mathematics learning outcomes, particularly in the topic of arithmetic sequences and series, are low. This study aims to assess the validity, practicality, and effectiveness of student worksheets (LKPD) based on brain-based learning (BBL) using crossword puzzles in the topic of arithmetic sequences and series for class X at MAS Darul Istiqomah Padangsidimpuan. This research is a research and development (R&D) study. The development model used in this research is the 4D model, which consists of four stages: Define, Design, Development, and Disseminate. The validation of the LKPD includes material validation, media validation, and language validation. The trial was conducted in class X-B, with a total of 19 students at MAS Darul Istiqomah Padangsidimpuan. The material experts, media experts, and language experts each consisted of 2 validators. The results of this study indicate that the developed LKPD meets the eligibility criteria, with an overall validation percentage of 87.32%, categorized as valid. The practicality of all aspects is shown by a value of 85.63%, categorized as very practical. The effectiveness is indicated by an average student learning outcome score of 71%, calculated from the overall average learning outcomes of the students, categorized as effective. Therefore, it can be concluded that the LKPD is feasible, engaging, and capable of improving student learning outcomes.
Abstract:Digital technologies are changing rapidly, and this has changed the financial services industry, especially how people decide where to invest their money. This study looks at how digital literacy, financial literacy, and…
fear of missing out (FOMO) affect how much risk young investors are willing to take when investing with information disclosure as a mediating variable. The research data is taken from 447 investors of Gen Y and Z in West Java and used Partial Least Squares-Structural Equation Modeling (PLSSEM). The results show that being financially literate makes people more likely to search for financial information, but it also makes them less willing to take risks when investing. This suggests that people who know a lot about money are more careful when they invest. On the other hand, FOMO has a positive effect on both information searching and risk tolerance, showing how emotions can affect people online. Digital literacy helps people be more willing to take risks, but it does not have a big effect on how much information they search. These results show how important cognitive and emotional factors are in determining how people act when it comes to IT-driven finances. The study helps with responsible digital transformation by showing how important it is for individuals to be ready to navigate fintech ecosystems. It also gives regulators, platform providers, and educators ideas on how to promote more informed and resilient investment practices.
Abstract:This research is driven by the limited use of mathematics learning tools such as teaching modules in schools. At MA Al-Junaidiyah in Mandailing Natal Regency, learning still largely relies on textbooks based on the 2006…
curriculum, resulting in low student achievement in mathematics, particularly in the topic of algebraic function limits. This study aims to determine the validity, practicality, and effectiveness of a Mathematics Learning Module developed using the Missouri Mathematics Project (MMP) Model for the topic of Algebraic Function Limits for Grade XI students at MA Al-Junaidiyah. The research follows the Research and Development (R&D) methodology with the ADDIE development model comprising five stages: Analysis, Design, Development, Implementation, and Evaluation. Module validation involved experts in content, media, and language. The trial was conducted with 23 students of class XI-2. Two validators were assigned for each area. Results showed that the module achieved an overall validity score of 84.29%, categorized as valid. Its practicality reached 89.75%, categorized as practical. Student learning effectiveness reached 47%, showing the module is effective in improving learning outcomes. Therefore, the module is deemed feasible, engaging, and beneficial for enhancing student achievement.
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.