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 study aims to examine the credit application procedure at BPR Sinar Mas Pelita Ciawi Branch, identify the challenges encountered during the process, and evaluate the solutions implemented to overcome them. The research…
rch uses a descriptive qualitative method with data collected through interviews with bank employees, direct observation during an internship program, and literature review. The findings show that the credit application procedure consists of several stages: application submission, document verification, credit analysis, credit approval, agreement signing, and fund disbursement. Common obstacles include customers’ lack of understanding of the procedure and delays in document submission. BPR Sinar Mas Pelita Ciawi Branch has implemented various strategies such as public education through social media and providing a checklist of required documents to applicants. Overall, the credit application process has been carried out effectively and efficiently.
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.
Abstract:Obesity in mothers is a major worldwide health issue that significantly raises the need for obstetric procedures, especially cesarean sections. Numerous difficulties for both mothers and newborns have been linked to elevated…
ated pre-pregnancy and gestational body mass indexes (BMI). The purpose of this study is to characterize the distribution of delivery methods among pregnant women who are obese at Dr. H. Abdul Moeloek Regional Hospital in Lampung Province, Indonesia. Total sampling was used to perform a quantitative, descriptive retrospective analysis. 58 pregnant women with a BMI of 30 kg/m² or above who gave birth between 2017 and 2023 were included. SPSS version 27.0 was utilized for data analysis. Findings out of the 58 instances that could be analyzed, 69.0% of obese pregnant women gave delivery via cesarean section, 27.6% gave birth spontaneous vaginally, and 3.4% had a vacuum induction. The majority (31.0%) were between the ages of 35 and 39, and 77.6% were multiparous. The type of delivery was found to be strongly influenced by maternal age, parity, and obesity. Being obese greatly raises the risk of having a cesarean section, especially for older and multiparous women. Reducing needless cesarean rates and improving mother and newborn outcomes may be possible with early treatments such as lifestyle modification education, prenatal counseling, and BMI-based risk assessment.
Abstract:Nutrition health in early childhood plays an essential role in supporting optimal growth and development. This study aims to determine the nutritional status of children at RA DDI Majennang, Suppa District, Pinrang Regency,…
cy, and the factors influencing it. The research used a descriptive method with observation and interviews involving teachers and parents. The results showed that most children had good nutritional status, although some experienced undernutrition due to unbalanced diets and limited parental knowledge about nutrition. The main factors influencing children’s nutritional status included parents’ knowledge level, family income, and frequent consumption of fast food. These findings highlight the importance of providing nutrition education for parents and fostering cooperation between schools and families to improve the nutritional health of early childhood students at RA DDI Majennang.
Abstract:The introduction of the omnibus methodology to Indonesian lawmaking through the Job Creation Law has generated intense scholarly debate over the balance between regulatory efficiency and democratic legitimacy. Drawing on…
Nonet and Selznick’s responsive law theory, this study examines the legal politics underpinning the formation of Law No. 11 of 2020, PERPPU No. 2 of 2022, and Law No. 6 of 2023 within Indonesia’s civil‐law framework. Using normative legal research methods including statutory interpretation, constitutional doctrinal analysis, and comparative legal study this article traces the procedural trajectory from initial draft to successive judicial reviews (Decision Nos. 91/PUU-XVIII/2020 and 168/PUU-XXI/2023). The findings reveal systemic procedural deficiencies: exclusion of affected stakeholders, lack of meaningful public participation, and executive reliance on emergency powers instead of mandated legislative revision. The Constitutional Court’s interventions have served as corrective “strange attractors,” introducing “meaningful participation” requirements (right to be heard, right to be considered, and right to explanation) and compelling the government to adopt legislative reforms. However, persistent executive resistance underscores enduring tensions between efficiency‐oriented omnibus reforms and procedural legitimacy. The study concludes that forthcoming legislative efforts particularly the mandated separate Employment Law will determine whether Indonesia’s legal system advances toward genuinely responsive law or reverts to repressive practices. These insights hold broader significance for comparative constitutionalism and the global discourse on omnibus legislation in developing democracies.
Abstract:Social media activities carried out by coffee brands are often used, especially to create loyalty among consumers, but challenges and effectiveness need to be considered to maximize the company's potential. This study aims…
ms to determine the brand experience created through social media marketing activities to build brand loyalty. This study will examine social media marketing on the Kopi Kenangan account, sensory brand experience, affective brand experience, behavioral brand experience, intellectual brand experience, value consciousness, brand consciousness, continued usage intention, and brand loyalty, based on the journal by Kumar & Hsieh (2024) titled “How do social media marketing activities affect brand loyalty?” The mediating role of brand experience and Ismail (2017) with the title “The influence of perceived social media marketing activities on brand loyalty: The mediation effect of brand and value consciousness.” The research method used is quantitative, conducting a survey using Google Forms with a sample size of 400 respondents, consisting of Kopi Kenangan consumers who consistently purchase Kopi Kenangan products and recommend Kopi Kenangan products. Descriptive analysis was then conducted based on structural equation modeling and partial least squares data using SmartPLS. The results showed that social media activities influence Kopi Kenangan brand loyalty through brand experience. The results were statistically analyzed using a significance level of 0.05. The researcher found that the calculated t-value was greater than the table t-value (7.577 > 1.65). In other words, social media activities influence brand loyalty. Kopi Kenangan can maximize strategies to enhance brand loyalty through social media activities, which can also serve as a reference for future strategic development.
Abstract:E-commerce has become one of the most dynamic industries in the digital era, and electronic word of mouth (eWOM) greatly influences consumer behaviour. Shopee, as a popular e-commerce platform in West Java, faces challenges…
ges in increasing user purchase intention, particularly with an approach based on review communication and brand image. The objective of this research is to examine how eWOM credibility, quantity, and quality impact purchase intention, with brand image as the mediating variable and situational context as the moderating variable in the study of the Shopee application in West Java. This study uses a quantitative approach with the Structural Equation Modelling-Partial Least Squares (PLS-SEM) method. Data were collected from 500 respondents who are users of the Shopee application in West Java. The research results show that eWOM quantity has the greatest influence on purchase intention, followed by brand image, which has been shown to be a significant mediator. On the other hand, eWOM credibility and quality do not have a direct impact on purchase intention. Furthermore, situational context as a moderating variable does not have a significant impact on the relationship between eWOM quantity and brand image. This study helps e-commerce businesses create better data-driven marketing strategies. To build trust and encourage customer purchasing decisions, it is important to increase the number of reviews, enhance brand reputation, and improve the quality and credibility of the reviews.
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.