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:A healthy and safe environment is essential, because a healthy and secure environment can make a person work quietly, and the results of work are expected to meet the established standards. Job satisfaction is one of the…
factors that influences the working environment. This research aims to determine the relationship between the work environment and the job satisfaction of nurses in regional general hospitals in Bogor City. This study uses a quantitative approach. Data were collected by distributing questionnaires to 80 respondents. The sampling technique for this research uses saturated sampling. The analysis technique for this research is descriptive analysis, correlation coefficients (Rank Spearman), coefficient of determination r2, and correlation coefficient hypothesis. This research shows a strong relationship between work environment and job satisfaction based on the results of the Rank Spearman correlation coefficient of 0,759 and from the results of the coefficient of determination is it known that work environment has a positive relationship with a value of r2 = 66,1%. Hypothesis test results in tcount>ttable (10,292>1,664), Ho is rejected and Ha is accepted
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 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 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:This study aims to assess the financial performance of PT Global Teleshop Tbk for the period 2017–2021 based on liquidity, profitability, solvency, and activity ratio analysis. The research uses a descriptive qualitative…
ve method. The population consists of the financial statements of PT Global Teleshop Tbk, with the sample being the company's financial reports from the last five years (2017–2021). The data analysis uses financial ratios. The results show that: (1) The liquidity ratio analysis indicates good financial performance, as shown by the increasing Current Ratio (CR) and Quick Ratio (QR), demonstrating the company's improving ability to meet short-term liabilities with liquid current assets, although the QR still falls into the less optimal category; (2) The profitability ratio analysis indicates poor performance, with low Net Profit Margin (NPM) and Return on Equity (ROE), showing the company's limited ability to generate profits from shareholders' funds; (3) The solvency ratio analysis shows weak financial performance, with Debt to Asset Ratio (DAR) and Debt to Equity Ratio (DER) indicating the company’s inability to cover total liabilities with its assets; (4) The activity ratio analysis, based on Total Asset Turnover (TATO) and Working Capital Turnover (WCT), also suggests poor performance due to declining asset turnover and ineffective management of working capital.
Abstract:The purpose of this study is to determine the significance level of the effect of using hand puppet media on the speaking skills of second-grade students at MI As-Syafi’iyah 10 Gunung Sindur. This research employed a quasi-experimental…
uasi-experimental method with a quantitative approach. The sampling technique used was non-random purposive sampling, with two classes selected as samples, each consisting of 32 students. The data collection technique used in this study was an oral test instrument, designed using a non-equivalent control group design. The results showed that the average score of the experimental class was 45.31 in the pre-test and 67.81 in the post-test. Meanwhile, the control class scored an average of 44.84 in the pre-test and 46.56 in the post-test. The data were tested for normality and found to be normally distributed. The homogeneity test results showed a significance value of 0.308 > 0.05, indicating that the data are homogeneous or have the same variance. The findings revealed that the use of hand puppet media had a significant effect on students' speaking skills. The hypothesis testing using a Paired Sample T-Test showed a significance level of 0.000 < 0.05, indicating that the result is statistically significant. Therefore, the null hypothesis (H₀) is rejected, and the alternative hypothesis (H₁) is accepted, meaning there is a significant difference in students’ speaking skills before and after being taught using hand puppet media.
Abstract:The phenomenon of online shopping has driven business players to be more innovative in promoting their products on existing digital platforms. There is a technological innovation that allows online businesses to showcase…
and demonstrate their products in real-time, known as live streaming shopping. TikTok has become one of the popular social-commerce platforms with beauty content within its application. This study aims to better understand the influence of TikTok live streaming shopping on the purchase intention of the local beauty brand through emotional factors. We applied the S-O-R (Stimulus, Organism, Response) model, with influencer credibility variables added to the emotional factors in the S-O-R model. Data were collected from 300 respondents who registered through a Google Form survey with predetermined criteria. PLS-SEM using Smart PLS was chosen for data analysis. The study revealed that attraction, cognitive assimilation, and influencer credibility mediate the relationship between real-time interaction, shopping guidance, visibility, media richness, and consumer purchase intention. Therefore, live streaming shopping through emotional factors significantly influences consumers' purchase intention. This research found that the enrichment of material living standards has transformed people’s purely demand-oriented shopping style. This study result help enterprises to better apply live streaming more effectively and expanding channels promotion strategies.