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All Journal Didaktik : Jurnal Ilmiah PGSD STKIP Subang Multidiciplinary Output Research for Actual and International Issue (Morfai Journal)
Abdurrohman
Universitas Primagraha
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Social Sciences Other

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THE EFFECT OF FINANCIAL LITERACY AND FINTECH USAGE ON STUDENTS’ CONSUMPTIVE BEHAVIOR WITH SELF-EFFICACY AS A MEDIATING VARIABLE Abdurrohman; Abdul Wahid Alfarizi; Bambang Hermawan; Priatna Wijaya; Ahmad Solihin
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 6 No. 4 (2026): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

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Abstract

The rapid growth of financial technology has reshaped students’ financial behavior through the widespread use of digital payment systems. This study examines the effects of financial literacy and fintech usage on students’ consumptive behavior, with financial self‑efficacy as a mediating variable. Using a quantitative explanatory approach, data were collected from 259 vocational high school students and analyzed with PLS‑SEM. The results show that financial literacy significantly reduces consumptive behavior, while fintech usage significantly increases it. Although financial literacy enhances financial self‑efficacy, self‑efficacy does not significantly influence consumptive behavior nor mediate the tested relationships. These findings indicate that technological convenience outweighs psychological control, highlighting the importance of integrating financial literacy education with behavioral regulation in the digital finance environment.
PEMANFAATAN LIMBAH SEKAM MENJADI PRODUK ARANG SEKAM UNTUK MENINGKATKAN NILAI JUAL DI KELURAHAN KIARA, KOTA SERANG, BANTEN Asep Rafiudin; Abdurrohman; Nanang Kosim; Nursifa Maharani; Siskah
Didaktik : Jurnal Ilmiah PGSD STKIP Subang Vol. 12 No. 03 (2026): Volume 12 No. 03, September 2026 Published
Publisher : STKIP Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36989/didaktik.v12i03.18117

Abstract

Kiara Village, located in Walantaka Sub-district, Serang City, is an agrarian area where most residents work as rice farmers. Rice milling in this area generates a substantial amount of husk waste, approximately 25% of grain weight, which has largely accumulated and disrupted the environment due to its slow natural decomposition. This article documents and analyzes the transformation of husk waste into a branded rice-husk charcoal product, RASEKAR (Arang Sekam Kiara), as an effort to increase economic value for the local community. The activity was conducted in Kampung Prisein, Kiara Village, on 13 and 26 July 2026, using a qualitative descriptive case-study approach, with data gathered through participatory observation, hands-on practice, and field documentation. Results show that rice husk, containing up to 16.98% silica along with carbon, hydrogen, and oxygen, was successfully processed into husk charcoal that functions as a planting medium, loosens soil, regulates soil pH within the 6.5 to 7 range, and retains moisture. Further analysis indicates that packaging and branding strategy under the RASEKAR label was a determining factor in increasing the market appeal of a product that previously had no economic value. The main constraint identified was the limited combustion technology, which produced excessive smoke. This study recommends upgrading combustion equipment and expanding education to other hamlets in Kiara Village so that the program's benefits are more evenly distributed.
Co-Authors Abdul Wahid Alfarizi Ahmad Solihin Asep Rafiudin Bambang Hermawan Nanang Kosim Nursifa Maharani Priatna Wijaya Siskah