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Literasi Keuangan Digital sebagai Determinan Perilaku Menabung Generasi Z di Indonesia Tamtomo, Agatha Pricillia Sekar; Ulfa, Mutia; Budiono, Graceilla Kristia Seraphim; Ribhi, Ahmad Aufar; Fauzi, Muhammad Anwar
Economic Reviews Journal Vol. 5 No. 1 (2026): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v5i1.1076

Abstract

This study aims to examine the influence of digital financial literacy on the saving behavior of Generation Z in Indonesia based on findings from previous studies. A qualitative approach was employed through a literature review of eleven relevant scientific articles discussing digital financial literacy and saving behavior, particularly among Generation Z and university students. The results indicate that the majority of studies report a positive and significant relationship between digital financial literacy and saving behavior. This suggests that individuals with higher levels of digital financial literacy tend to have better financial management skills and demonstrate stronger saving habits. However, several studies present contrasting findings. Some research revealed that financial literacy does not have a significant effect on students’ saving behavior or saving intentions. These findings imply that financial knowledge alone may not be sufficient to encourage consistent saving practices, as saving behavior may also be influenced by internal factors such as self-discipline and personal financial control. Based on the review of the selected articles, it can be concluded that digital financial literacy generally has a positive and significant influence on the saving behavior of Generation Z in Indonesia, although its impact may vary depending on individual characteristics.
PENERAPAN PERANGKAT LUNAK PYTHON UNTUK MENINGKATKAN KOMPETENSI ANALISIS DATA DALAM KEGIATAN RISET MAHASISWA Dwi Setiawan, Very; Utari Iswavigra, Dwi; Ulfa, Mutia; Anggiratih, Endang; Dwi Yulianto, Bagas; Praningki, Tutus; Suyahman, Suyahman; Wicaksono, Ardy; Mar'atullatifah, Yulaikha; Prasetyo, Deny; Mursalim, Mursalim
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 9, No 2 (2026): MARTABE : JURNAL PENGABDIAN KEPADA MASYARAKAT
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v9i2.%p

Abstract

Perkembangan teknologi informasi menuntut mahasiswa memiliki kompetensi analisis data yang memadai untuk mendukung kegiatan riset akademik. Namun, kenyataannya masih banyak mahasiswa yang mengalami keterbatasan dalam pemanfaatan perangkat lunak analisis data berbasis komputasi dan cenderung bergantung pada aplikasi spreadsheet sederhana. Kegiatan Pengabdian kepada Masyarakat ini bertujuan untuk meningkatkan kompetensi analisis data mahasiswa melalui penerapan perangkat lunak Python dalam kegiatan riset. Pelatihan dilaksanakan di Universitas Islam Batik Surakarta melalui kolaborasi antara Program Studi Teknik Industri Universitas Batik Surakarta dan Program Studi Teknik Industri Universitas Nahdlatul Ulama Jepara. Metode yang digunakan adalah pelatihan berbasis praktik langsung (hands-on training) yang meliputi pengenalan dasar pemrograman Python, pengolahan dan preprocessing data, serta visualisasi data penelitian menggunakan pustaka Pandas, NumPy, Matplotlib, dan Seaborn. Evaluasi kegiatan dilakukan melalui pre-test dan post-test untuk mengukur peningkatan kompetensi peserta. Hasil evaluasi menunjukkan peningkatan yang signifikan pada seluruh aspek kompetensi, termasuk pemahaman konsep dasar Python, kemampuan pengolahan dan pembersihan data, keterampilan visualisasi data, serta pemanfaatan Python dalam penyusunan laporan penelitian. Peningkatan nilai post-test yang lebih tinggi dibandingkan pre-test mengindikasikan bahwa pendekatan pelatihan yang diterapkan efektif dalam meningkatkan literasi komputasional dan kualitas analisis data mahasiswa. Kegiatan ini berkontribusi positif terhadap peningkatan mutu riset mahasiswa serta mendorong pemanfaatan perangkat lunak open-source dalam lingkungan akademik. Pelatihan ini juga berpotensi menjadi model Pengabdian kepada Masyarakat yang berkelanjutan dalam pengembangan kompetensi analisis data di perguruan tinggi.
Sentiment Analysis Using Bidirectional Encoder Representations from Transformers for Indonesian Stock Price Prediction with Long Short-Term Memory and Gated Recurrent Unit Models Iswavigra, Dwi Utari; Setiawan, Very Dwi; Ulfa, Mutia; Ommr, Brieva
Jurnal Teknik Informatika (Jutif) Vol. 7 No. 2 (2026): JUTIF Volume 7, Number 2, April 2026
Publisher : Informatika, Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52436/1.jutif.2026.7.2.5383

Abstract

The advancement of artificial intelligence based market analytics has driven the need for stock price prediction models capable of representing market behavior both technically and psychologically. This study aims to improve stock price forecasting in the Indonesian capital market by integrating sentiment analysis with deep learning time-series models. It evaluates whether public sentiment can contribute to enhancing prediction accuracy when combined with historical stock data. Textual sentiments were extracted using IndoBERT and converted into positive, negative, and neutral scores, which were then merged with historical stock prices. These data were modeled using LSTM, GRU, and a hybrid LSTM–GRU architecture. Model evaluation was conducted using MSE, MAE, RMSE, and MAPE metrics across six Indonesian stocks ANTM, BBCA, BBRI, SCMA, TLKM, and UNVR. The hybrid LSTM–GRU model produced the lowest prediction errors for BBCA and BBRI, with MSE scores of 0.151 and 1022.062, respectively. GRU delivered the best performance for highly volatile stocks, such as SCMA MAPE 1.65% and UNVR MAPE 0.51%, while LSTM demonstrated the most stable performance for TLKM with an MSE of 606.93 and RMSE of 24.63. Across all cases, sentiment scores improved model responsiveness, particularly during price spikes ANTM mid-2025 and price declines BBRI early year. The integration of sentiment significantly enhances prediction relevance by combining psychological market indicators with technical price trends. This framework provides more reliable decision-making support for investors, strengthens algorithmic trading strategies in Indonesia, and contributes to intelligent financial analytics that reflect local market behavior.
UTILIZATION OF THE TIKTOK APPLICATION AS A LEARNING MEDIA TO INCREASE STUDENT ENGAGEMENT IN GRADE IV AT MIN 11 WEST ACEH Ulfa, Mutia; Rina Rahmi
Jurnal Ikhtibar Nusantara Vol 4 No 2 (2026): Jurnal Ikhtibar Nusantara
Publisher : STAI Nusantara Kota Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62901/j-ikhsan.v4i2.345

Abstract

A teacher must be more creative and innovative in applying interesting learning media so that learning conditions do not make students feel bored and boring. This problem needs to be addressed so that learning becomes creative and fun, one of which is by using the TikTok application media to increase student activity in class. This research aims to determine the implementation of the TikTok application as a learning medium to increase the activity of class IV students at MIN 11 West Aceh and to determine the level of student activity by using the TikTok application as a learning medium to increase the activity of class IV students at MIN 11 West Aceh. This research uses an experimental method with test data collection techniques, observation and documentation. The results of the research show that the implementation of the TikTok application as a learning medium to increase the activity of class IV students at MIN 11 West Aceh was carried out in 2 meetings, namely October 26 and October 27 2023. The experimental class observation score was higher than the control class, where the teacher's observation amounting to 88.33% (good) and student observations were in the good category at 88.33% (good). Students are very active in learning by using the TikTok application as a learning medium in class IV at MIN 11 West Aceh. The increase in student activity can be seen from the achievement of student learning outcomes with an average class score of 83.94 and student graduation reaching 87.88%.