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 research is motivated by the existence of problems in learning, especially in class V of SD Negeri 105288 Sei Rotan. Through the results of observations and interviews, it was found that the results of students' science…
ence learning are classified as low. In addition, student participation is low and passive. The purpose of this study is to determine the effect of the application of the Brain Based Learning (BBL) learning model on the results of science learning of class V students of SD Neri 105288 Sei Rotan. The type of research used is quantitative research with a nonequivalent control group design. The population in this study were class V students of SD Negeri 105288 Sei Rotan with a sample of class VA totaling 24 people as the experimental class and VB totaling 24 people as the control class. Based on the results of the study, the average pretest score of students was 52.33 in the experimental class before being given treatment. After treatment using the BBL learning model, the results of the posttest score of students were 71.25. Furthermore, a t-test was conducted which showed the results of the Sig. value. (2 tailed) 0.000 < 0.05, then H0 is rejected and Ha is accepted. These results indicate that there is a significant influence of the application of the Brain Based Learning (BBL) learning model on the science learning outcomes of fifth grade students of SD Negeri 105288 Sei Rotan.
Abstract:Marriage involving pregnant women outside wedlock remains a critical socio-cultural and legal phenomenon in Indonesia, particularly in North Halmahera where family honor, religious authority, and customary law strongly influence…
nfluence communal life. This study aimed to explore how such marriages are understood, legitimized, and practiced by families, community leaders, and legal institutions. Using a qualitative case study approach, data were collected through in-depth interviews with religious leaders, adat leaders, government officials, parents, and young women, complemented by participant observation and document analysis, and analyzed with an interactive model of reduction, display, and conclusion drawing. The findings reveal that marriage is primarily arranged to safeguard family honor, with communities regarding it as the only socially acceptable corrective measure, while religious leaders across traditions adopt pragmatic interpretations, invoking public interest or redemption to justify the practice, and customary rituals together with state dispensations further reinforce its legitimacy. Although marriage resolves immediate stigma and reintegrates families socially, it simultaneously generates long-term vulnerabilities, including interrupted education, economic dependence, marital instability, psychological stress, and increased maternal and neonatal health risks. This study contributes to the sociology of law and religion by demonstrating how socio-cultural confinement, Islamic legal pluralism, and adat practices converge in eastern Indonesia, while underscoring the urgent need for holistic interventions that integrate sexuality education, family communication, religious engagement, and legal reform to protect women and children more effectively.
Abstract:Green betel leaves contain compounds that can treat vaginal discharge, especially those caused by bacteria. To determine the effect of green betel leaf extract on the growth of Bacteroides in vaginal secretion cultures,…
this study used a quantitative experimental method, where vaginal secretion samples were taken from the subjects and then tested quantitatively. There were two data collection techniques used in this study: using a questionnaire and testing vaginal secretion samples with green betel leaf extract. The test for using was diffusion (paper disc) for the antibacterial test. The media used was MHA. The positive control used was a blank disc, the extract concentration series used were 20%, 25% and 30%. The diameter of the inhibition zone was observed and then analyzed. The results of the t-test analysis showed that the significance value was 0.00 <0.05, so H0 was rejected Ha was accepted or it could be concluded that there was a difference in the effect of giving green betel leaf extract on the growth of Bacteroides in vaginal secretion culture. Antibacterial activity test of green betel leaves (Piper betle L) against Bacteroides bacteria that cause Bacterial Vaginosis, namely resistant at a concentration of 20%, intermediate at a concentration of 25% and sensitive at a concentration of 30%. Green betel leaf extract (Piper betle L) has inhibitory power against Bacteroides bacteria that cause Bacterial Vaginosis. Can increase the concentration series of methanol extract of green betel leaves, find the minimum bactericidal concentration (MBC) and the maximum inhibitory concentration (MIC) of green betel leaf extract against Bacteroides bacteria that cause Bacterial Vaginosis
Abstract:Dengue Hemorrhagic Fever (DHF) is a disease caused by the Dengue virus transmitted to humans through the bite of the Aedes aegypti and Aedes albocpitus mosquitoes. One of the laboratory tests that can help diagnose Dengue…
e fever includes Dengue IgM and IgG Antigens and hematology tests. The number of lymphocytes plays a role in the body's immune system and is one of the parameters found in hematology tests. This study aims to determine the relationship between Dengue IgM and IgG antibodies and the number of lymphocytes in patients suspected of having Dengue fever at the Prodia Sunter Clinical Laboratory for the period 2021-2024. The research method is observational with cross-sectional using secondary data of 104 samples. Data analysis uses Spearman rank. The results of the study showed that most of the suspected Dengue fever patients were male, 56 patients (53.8%) with the highest age at 19-59 years as many as 53 patients (51.0%) and the duration of fever was mostly experienced on the 3rd day of fever 29 patients (27.9%). The results of the Dengue antigen IgM examination in suspected Dengue fever patients were negative for 89 patients (85.6%) and the Dengue antigen IgG was negative for 64 patients (61.5%). The number of lymphocytes was within normal limits for 44 patients (42.3%). The results of the IgM correlation test obtained p = 0.005 with r 0.271, so the hypothesis was accepted, it can be concluded that there is a weak correlation between Dengue IgM antibodies and the number of lymphocytes and the results of the IgG correlation test obtained p = 0.043 with r 0.198, so the hypothesis was accepted, it can be concluded that there is a weak correlation between Dengue IgG antibodies and the number of lymphocytes in suspected Dengue fever patients.