Abstract:Abstract This study is motivated by the financial literacy of generation Z and also the quality of life insurance products in Indonesia which are moderated by gender in influencing a person's interest in buying life insurance…
surance in Indonesia. This study uses a quantitative method with a descriptive relationship approach. Determination of the sample in this study was carried out by calculating using the Bernoulli formula, with a total of 384 respondents. The data analysis technique used is the Structural Equation Model - Partial Least Square (SEM-PLS). The results of the study show that financial literacy (X1) and product quality (X2) do not have a significant effect on buying interest (Y) where the p-values of both variables are <0.05. Other findings also state that Gender (Z) does not significantly moderate financial literacy and product quality. The conclusion of this study is that the factors that make generation Z interested in buying insurance products are influenced by their perceptions of financial literacy and product quality. More specifically, the perception of product quality factors has a significant and positive influence on generation Z's interest in buying life insurance products in Indonesia. The findings show that of the two variables, product quality can be the strongest predictor in predicting generation Z's interest in purchasing life insurance products. Financial literacy cannot significantly predict generation Z's interest in purchasing insurance products.
Keywords : financial literacy, product quality, gender, purchasing intention
Abstract:This study aims to analyze the development strategy of cassava leaf-based animal feed ( Manihot utilissima ) in Sumberejo Village, Pagar Merbau District, Deli Serdang Regency. This study uses a nonprobability sampling method…
thod with a saturated sampling technique. With a total of 53 respondents consisting of 50 consumers, 1 business owner and 2 employees. This study uses primary and secondary data. This study uses multiple linear regression analysis to determine what factors influence the development strategy of cassava leaf animal feed and descriptive analysis to analyze the development strategy for the potential and opportunities of using cassava leaves as animal feed. This research method uses qualitative and quantitative analysis. The results showed that cassava leaves have a high crude protein content, which is around 20-30%, and contain crude fiber, fat, and minerals that are beneficial for livestock growth. Multiple linear regression analysis in this study shows that all independent variables have a significant effect on the dependent variable. Among these factors, the economic aspect makes the largest contribution, making it the main factor influencing the dependent variable. Furthermore, social aspects and external support also play a significant role in determining the results. In addition, other factors such as technology, resources, and marketing and distribution also have a significant impact, although with a smaller influence compared to economic and social aspects. Thus, the regression model shows a positive relationship between the independent variables and the dependent variable, so that improvements in these aspects will increase the dependent variable, with the main priority on economic and social aspects.
Abstract:The rapid transition to electric vehicles (EV) is driven by global environmental concerns and the need to reduce dependence on fossil fuels. In Indonesia, EV adoption faces challenges related to market dynamics, consumer…
behavior, and effective communication strategies. Marketing research and understanding consumer behavior aims to collect and obtain more detailed information and knowledge about customers towards electric vehicle products. Through this, it can understand customers and their tastes, preferences, reflect the future, and also help reduce the risk of product and business failure. Using Word of Mouth communication as part of a marketing strategy that can be carried out by companies in maintaining their business desires. In this article, the author tries to understand the concept of market research, consumer behavior, and the Word-of-Mouth communication model using a qualitative library observation approach, this study analyzes existing research on how these three factors contribute to the growth and long-term survival of the electric vehicle market. Market research provides insight into consumer preferences and market trends, offering important data to align EV products with consumer needs. Understanding consumer behavior is essential in overcoming perceived barriers, such as cost and infrastructure limitations, that hinder EV adoption. Meanwhile, word of mouth communication plays an important role in influencing consumer decisions by fostering trust and awareness of the benefits of EVs. The findings highlight the interconnections between these factors and their collective impact on the development of sustainable marketing strategies for EVs in Indonesia. This study provides valuable insights for stakeholders, including automotive companies and policymakers, in designing more effective marketing approaches that support the sustainable growth of the EV sector.
Abstract:The present article examines the influence of the thought of KH. Abdurrahman Wahid (Gus Dur) on the formation of postcolonial discourse in the context of Islam Nusantara. In the postcolonial context, the Islamic construction…
tion of the Archipelago is inextricably linked to colonial epistemological legacies and the hegemony of external cultures, particularly Arabic. Gus Dur’s thought process can be understood as a deconstructive effort against the dichotomy between “pure” and “local” Islam that was created by colonial powers and puritan movements. It is evident that Gus Dur’s rejection of the uniformity of Arab culture as the sole representation of Islam was underpinned by a sharp critique of arabisation. As an alternative, he proffered the concept of Islamic pribumisation, defined as the adjustment of Islamic expression to local cultural values without sacrificing the substance of the teachings. Furthermore, Gus Dur placed significant emphasis on the necessity of contextualising Islamic teachings, emphasising the importance of re-evaluating Islamic values in accordance with the prevailing social and cultural dynamics of Indonesian society. It is asserted that an approach of this nature will engender the concepts of pluralism and tolerance, which will in turn serve as the primary foundations upon which religious life is to be constructed. The present study employs a qualitative approach, utilising critical discourse analysis of Gus Dur’s ideas and relevant supporting literature. The findings demonstrate that Gus Dur’s thought plays a significant role in formulating the paradigm of Islam Nusantara. This paradigm is characterised by its responsiveness to local realities, its transcendence of religious formalism, and its rehabilitation of cultural dignity as an integral part of Islamic expression. Consequently, the thought of Gus Dur constitutes a significant contribution to the development of a plural, humanist and contextual Islamic civilisation.
Abstract:This research aims to see the effect big five personality to happiness to students from Maluku in Malang. The research subjects were 32 people who were students from Maluku and were studying in the city of Malang, aged 19…
9 - 27 years. The research instrument uses a Likert scale, namely Big Five Inventory (BFI) to measure big five personality And Oxford Happiness Questionnaire (OHQ) to measure happiness. After testing, the results obtained were not significant (sig = 0.130>0.05), which means that big five personality does not affect happiness to students from Maluku in Malang. Apart from that, the role percentage big five personality in influencing happiness only 7.5%, while the rest is influenced by other factors.
Abstract:Sunnah cupping therapy is widely recognized as a traditional treatment believed to eliminate stagnant blood, enhance circulation, and accelerate healing. However, concerns remain regarding wound depth and skin recovery duration,…
uration, especially in clinical settings. This study aims to systematically review scientific literature on the healing duration of superficial wounds resulting from cupping, factors influencing recovery, and the effectiveness of herbal topical treatments in supporting natural skin regeneration. A systematic literature review was conducted using publications from 2015 to 2025 sourced from PubMed, Scopus, ScienceDirect, and Google Scholar. The analysis focused on non-surgical superficial wounds, post-cupping wound management, and the use of olive oil, black seed oil, and coconut oil in complementary traditional therapy. Findings indicate that cupping incisions typically reach only the epidermis and upper dermis, with a depth of 0.5–1 mm. These minor wounds generally heal within 3 to 7 days, depending on patient age, skin condition, anatomical location, and aftercare quality. The application of topical herbal agents has been shown to enhance healing through anti-inflammatory, antioxidant, and regenerative mechanisms. In conclusion, Sunnah cupping can be classified as a safe and non-invasive therapy with a relatively short healing duration. Herbal-based wound care offers a natural, accessible, and effective treatment alternative, supporting the integration of cupping therapy into modern evidence-based complementary medicine. Further development of standardized post-cupping care protocols is recommended to optimize clinical implementation and ensure consistent patient outcomes.
Abstract:Vaginal discharge is an indicator of an abnormal health condition in the body, characterized by the release of a fluid, other than blood, from the female reproductive organ. In July 2023, two female inmates at Class IIB…
Women's Prison in Padang reported experiencing vaginal discharge accompanied by itching and an unpleasant odor. They received medical treatment at the prison clinic. The incidence of vaginal discharge in West Sumatra is approximately 3.51%. This study aims to identify the factors influencing the occurrence of vaginal discharge among female inmates of childbearing age. A quantitative research approach was used, employing a cross-sectional design and a total sampling technique, with 57 respondents. The variables examined include knowledge level, access to reproductive health information, and personal hygiene behavior during menstruation. Data analysis was conducted using univariate and bivariate methods with chi-square tests. The findings revealed that 43.9% of respondents experienced vaginal discharge, 71.9% had a low level of knowledge, 57.9% faced difficulties in accessing reproductive health information, and 56.1% exhibited poor personal hygiene behavior during menstruation. There was a significant relationship between knowledge level and the incidence of vaginal discharge (p=0.045), as well as between personal hygiene behavior and vaginal discharge occurrence (p=0.037). However, no significant correlation was found between access to reproductive health information and vaginal discharge (p=0.426). This study concludes that improving reproductive health education and providing adequate hygiene facilities in the prison environment are crucial steps in reducing the incidence of vaginal discharge among female inmates.
Abstract:Family communication plays a fundamental role in shaping an individual's character, particularly in adulthood. This study examines the influence of family communication patterns on adult character formation through a bibliometric…
liometric analysis. Utilizing a Systematic Literature Review (SLR) and bibliometric approach, this research explores key trends, theoretical frameworks, and scholarly discussions related to family communication and character development. The study highlights the significance of open, trust-based, and emotionally supportive communication in fostering essential adult traits such as responsibility, integrity, empathy, and adaptability. Findings suggest that families with high conversation orientation cultivate individuals with stronger social skills and problem-solving abilities, whereas rigid conformity-oriented communication may hinder independent decision-making. Additionally, digital communication emerges as a growing factor influencing family dynamics. By mapping research trends and analyzing citation patterns, this study provides valuable insights into the long-term impact of family communication on adulthood and offers recommendations for future research.
Abstract:This research aims to analyze the influence of the use of influencer marketing on consumer purchasing behavior in the digital era. Influencer marketing has become a popular marketing strategy, especially on social media,…
that can influence consumer purchasing decisions. This research uses a survey method with 200 respondents who actively use social media and are exposed to influencer marketing content. The variables analyzed include influencer credibility, audience engagement, product suitability to the audience, and their influence on consumer purchasing decisions. The research results show that influencer credibility, audience engagement, and product suitability with the audience have a significant positive influence on consumer purchasing behavior. Additionally, transparency and authenticity in the relationship between influencers and brands has also proven important in building audience trust. This research provides practical implications for companies to select the right influencers, increase audience engagement, and maintain authenticity in their marketing campaigns. Overall, influencer marketing has proven effective in influencing consumer purchasing decisions, especially in the context of social media and the digital era.
Abstract:This research discusses the change of cooperatives towards digitalization from the perspective of Innovation Diffusion theory from Everett M Rogers at the CU Sehati Cooperative in Jakarta. Digitalization is an important…
strategy for cooperatives to continue to exist and be relevant during such rapid technological changes. This study uses a qualitative-descriptive approach with case study and literature study methods. The study results show that the implementation of digitalization in the CU Sehati Cooperative is in the innovation stage, with cooperative members as adopters who support the organization's sustainability. The study identifies the key factors influencing technology adoption. It also recommends training cooperative members and strengthening digital infrastructure to accelerate technology adoption so that cooperatives can increasingly contribute to the community's economy.