Abstract:This research investigates how financial literacy affects the financial behaviors of students on Lombok Island. Utilizing a quantitative methodology, the study surveyed 110 students to gather relevant data. The findings…
reveal that a higher level of financial literacy has a substantial positive impact on students' financial habits and decision-making processes. Conversely, the role of financial technology (fintech) was found to be substantial in influencing or moderating these behaviors within the studied population. The conclusion emphasizes the importance of enhancing financial literacy programs to foster more responsible and informed financial practices among students. Developing such initiatives can contribute to better financial stability and decision-making skills in the future
Abstract:This research investigates the policy landscape surrounding social entrepreneurship in Indonesia, encompassing legal and regulatory frameworks, government initiatives, and institutional support for social enterprises. The…
e study is crucial as it addresses an understudied area, aiming to inform policymakers, foster collaboration, stimulate economic development, and promote sustainable growth. The methodology involved qualitative interviews with eight social entrepreneurs across Indonesia. Collected data was analyzed using content analysis techniques, facilitated by the MAXQDA platform. Findings indicate that despite social entrepreneurship being an emerging field in Indonesia, there is a notable lack of effective policies and regulations. Six of eight respondents perceived inadequate current regulatory support, and half cited financial challenges as a significant issue. Conversely, seven respondents acknowledged existing government assistance, suggesting a willingness to support the sector. Based on these results, key recommendations for the government to foster a supportive ecosystem include developing non-overlapping policies, implementing substantive policy changes, promoting useful policies, simplifying bureaucracy, and engaging in direct dialogue with social entrepreneurs. The research concludes that addressing these areas can empower social entrepreneurs to create lasting social impact. This study uniquely fills a gap by directly engaging social entrepreneurs, though future research should include government representatives for broader perspectives.
Abstract:Digital technology has great potential to revolutionize family finance, especially in rural areas such as Watang Kassa Village, Batulappa District, Pinrang Regency. Digital finance provides solutions for families that previously…
eviously relied on manual financial record-keeping and traditional financial information systems. With digital technology, people can record and monitor their family finances through digital financial platforms, making family financial management more efficient. Research Objectives: (1) To analyze the level of digital financial literacy among low-income communities and identify the factors influencing it. (2) To evaluate the role of digital financial platforms in helping low-income families manage their finances effectively. (3) To identify the challenges faced by low-income communities in accessing and utilizing digital financial services. (4) To assess the impact of using digital financial technology on family financial management and the well-being of low-income communities. This study employs a Participatory Action Research (PAR) approach. Participatory Action Research is a research method that involves the active participation of the community or group being studied throughout the research process, from planning, implementation, and reflection to corrective actions. The research findings indicate that the community lacks sufficient education regarding financial literacy in the use of digital tools for managing family finances. This lack of education poses a significant challenge in adopting digital finance for financial management among low-income communities. However, with the financial revolution, low-income communities have begun to understand the use of digitalization in managing family finances.
Abstract:This study explores how Bugis-Makassar women construct and navigate plural reproductive knowledge in response to abortus imminens (threatened miscarriage), drawing on Talcott Parsons’ AGIL framework to analyze the sociocultural…
ocultural functions of care practices. Based on ethnographic fieldwork in Makassar, Indonesia, including interviews and participant observation with ten pregnant women, the study reveals that reproductive behavior is shaped by adaptive strategies (A), collective goals (G), moral integration (I), and intergenerational transmission of norms (L). Rather than following a singular medical logic, women mobilize syncretic forms of care that blend biomedical treatment, spiritual rituals, and ancestral taboos. These plural responses reflect not only epistemic hybridity but also reproductive governance enacted through kinship, religious authority, and clinical institutions. Women's agency is expressed not through open resistance, but through strategic moral navigation and embodied alignment with normative expectations—a form of what Mahmood terms the ethics of self-formation. The findings challenge biomedical-centric approaches to maternal health and highlight the need for culturally responsive interventions that respect local logics of risk, protection, and care. This study contributes to sociological debates on medical pluralism, moral regulation, and the reproduction of gendered knowledge in the Global South.
Abstract:Worship in Islam is not merely the performance of rituals, but also reflects ethical and spiritual values embodied through etiquette. Without etiquette, worship can lose its inner meaning and fail to bring about spiritual…
l and social transformation. Etiquette is a reflection of a deep understanding of the purpose of worship and a servant's closeness to his Lord. It balances the physical and spiritual dimensions, as well as the formal and substantial aspects of every religious practice. This article aims to examine in depth the role of etiquette in perfecting the performance of the five main acts of worship in Islam, namely thaharah, prayer, zakat, fasting, and hajj. This research uses a qualitative descriptive method based on literature review. Data sources include the Qur'an and Hadith of the Prophet SAW, classical literature such as Riyadhus Shalihin and Ihya Ulumuddin, as well as contemporary references such as Tafsir Al-Azhar and scientific studies published in 2020 and beyond. The findings reveal that etiquette plays a crucial role in all forms of worship: purity reinforces both physical and spiritual cleanliness, prayer cultivates spiritual devotion and discipline, zakat instills social awareness and empathy, fasting trains patience and self-control, while the pilgrimage teaches orderliness, humility, and tolerance within the framework of global Islamic interaction. Adab is not merely etiquette but the essence that gives worship meaning and broad impact. Adab also serves as a tool for self-transformation toward becoming an outstanding Muslim in moral, spiritual, and social aspects in the modern era.
Abstract:This study aims to analyze the influence of competence, compensation, and work environment on employee productivity through work motivation as a mediating variable at PT Mitra Tsalasa Jaya, South Tangerang. Employee productivity…
uctivity is a key indicator of a company’s success, which is influenced by individual capabilities, performance rewards, and a supportive work environment. This research employed a quantitative method with a survey approach. Data were collected through questionnaires distributed to 120 respondents, who are permanent employees of PT Mitra Tsalasa Jaya. The data were analyzed using path analysis to examine both direct and indirect relationships among the studied variables. The results showed that competence, compensation, and work environment have a positive and significant effect on work motivation. Furthermore, work motivation has a positive and significant effect on employee productivity. In addition, work motivation significantly mediates the influence of competence, compensation, and work environment on productivity. Therefore, the study concludes that improving employee competence, providing fair and appropriate compensation, and creating a conducive work environment can enhance employee motivation, which ultimately leads to higher productivity at PT Mitra Tsalasa Jaya.
Abstract:This study aims to analyze the influence of business strategy and profitability on firm value, with Corporate Social Responsibility (CSR) as a mediating variable at Bank BPD DIY. This study uses a quantitative causality…
approach with a confirmatory nature, testing the extent to which the Resource-Based View (RBV) and Stakeholder Theory are confirmed in the context of the regional banking industry. Primary data were collected through a 1–5 Likert-scale questionnaire from all BPD DIY managers (census method, 163 respondents) who met the criteria of managerial position, minimum three years of service, and involvement in strategic policy. Data analysis was performed using Structural Equation Modeling-Partial Least Squares (SEM-PLS) with the assistance of SmartPLS. This involved testing the outer model (convergent validity, discriminant validity, reliability) and inner model (path coefficient, R², f², Q²) to assess the direct and indirect effects between variables. The variables studied included business strategy, profitability, CSR, and firm value, operationalized across several dimensions, including future orientation, operational efficiency, the social and environmental dimensions of CSR, and market value and corporate reputation. The instrument was independently developed based on theoretical synthesis (David & David, Houston, Teodorescu Ionescu, Carroll, and others), then validated through expert judgment before being tested for validity and reliability on pilot respondents. The results showed that business strategy had a positive effect on CSR and firm value, while profitability had a positive effect on CSR and firm value, aligning with the view that slack resources and a prospector strategy encourage stronger CSR activities and improved market perception. CSR was shown to have a positive effect on firm value and acted as a mediating variable in the relationships between business strategy and firm value and profitability and firm value. Thus, CSR implementation strengthens the transmission of the influence of strategy and financial performance on increasing firm value. These findings confirm that the integration of a sustainability-oriented business strategy, strong profitability performance, and consistent CSR implementation is a crucial combination for enhancing firm value in the regional banking sector.
Abstract:This research was motivated by the scarcity of Indonesian language teaching materials for foreign speakers (BIPA). The large interest of foreigners in learning Indonesian is still hampered by the lack of availability of…
BIPA teaching materials. This limited teaching material is an important problem that teachers often face in BIPA learning activities. Therefore, the development of BIPA teaching materials is urgently needed. The problems studied in this research are (1) characteristics of BIPA 1 teaching materials currently used in BIPA learning, (2) development of BIPA 1 teaching materials based on the Animaker application as alternative teaching materials in BIPA learning, (3) feasibility of developing BIPA teaching materials 1 based on the Animaker application in BIPA learning, and (4) the effectiveness of developing BIPA 1 teaching materials based on the Animaker application based on BIPA learners' understanding. This research uses a Research and Development (R&D) approach. This research uses three data collection techniques, namely observation, questionnaires, and documentation to obtain data on the needs for developing teaching materials and evaluating teaching material prototypes. The data sources consist of BIPA teachers, BIPA students and expert lecturers. Data analysis in this research uses descriptive qualitative which consists of data presentation and data conclusions. The results of this research are that BIPA students often feel bored and confused by teaching materials that are only presented in the form of textbooks and very short material. Therefore, teaching materials need to be developed in accordance with Widodo and Jasmadi's theory of teaching material characteristics so that they can support independent learning, deeper understanding, contextualization of material, increased motivation, comprehensive language skills, adaptation to technological developments, learning flexibility, and strengthening skills. grammar. The development of teaching materials through Animaker shows the dominance of changes in substantial and visual aspects, which shows a comparison of characteristics between original and developed teaching materials. The teaching materials developed are more interactive and communicative, so that they can reduce boredom, increase understanding of the material, and increase enthusiasm for learning Indonesian for students
Abstract:This article explores autoethnography as a form of spiritual epistemology in the study of Islam and gender. Drawing upon feminist hermeneutics and Indonesian Muslim women’s lived experiences, it argues that self-writing…
g is not merely personal expression but a mode of knowing an intellectual and devotional act that integrates reason, emotion, and faith. Using a qualitative reflective framework, the author employs her own journey as a Muslim woman, mother, and doctoral scholar to examine how autoethnography can serve as both method and ibadah ilmiah. The discussion situates this approach within Islamic concepts of tafakkur (contemplation) and muhasabah (self-accounting), connecting them to the works of Amina Wadud, Etin Anwar, and Saba Mahmood. Findings reveal three epistemic dimensions of spiritual self-writing: (1) writing as worship and remembrance, (2) domestic space as an epistemic field of ethical formation, and (3) reflexive authorship as a feminist-spiritual act of reclaiming authority. By merging autoethnography with Islamic historiography, this study proposes an inclusive and embodied mode of scholarship — one that honors lived experience as a source of divine and intellectual illumination.
Abstract:Looking at the limited time for people, especially for students and looking at so many subjects that must be studied by a student, it seems that students do not have time to study their religious. Meanwhile, references to…
o the teachings of the good character it self are only found in the students’ religious scriptures. so a wise teacher must be abble to involve the holy kitab of each student in every material being taught such as Al- Qur’an for Moeslem students’. Because all references can be found in the Al- Qur;an, for instance in surah Al-Kahfi specifically for the language mathery preposition. Al Qur’an can be used as a media for exercises and also as a media for finding examples of the preposition in grammar matery.