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Novianti, Ira
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Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences Other

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Financial Distress Model Among Muslim Millenials : The Moderation Role of Gender Leo, Gundur; Suherlan, Deiana; Novianti, Ira; Syarief, Mochamad Edman; Suhartanto, Dwi
Jurnal Inovasi Bisnis dan Kewirausahaan Vol 5 No 4 (2023): Vol 5 No 4 (2023): Business Innovation and Entrepreneurship Journal (November)
Publisher : Entrepreneurship Faculty, Universitas Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35899/biej.v5i4.673

Abstract

Worries related to financial problems often cause sufferers to experience stress. Stress due to a series of financial problems has increased public awareness of the importance of avoiding personal financial distress. This creates opportunities for unique business development, which can contribute to understanding strategies for strengthening wise management of personal finances. This research aims to provide an understanding of the formation of factors that influence personal financial distress and examine the moderating role of gender. Data was collected through an online questionnaire from 352 Muslim millennials who live in the most populous province in Indonesia, namely West Java. Through the use of PLS ​​for data analysis, this research reveals that religiosity, financial literacy which includes financial knowledge and behavior have a significant effect on personal financial distress. Furthermore, this research shows that gender does not moderate the relationship between religiosity and financial literacy on personal financial distress. These findings provide guidance for financial organizations, governments and educational institutions to jointly improve educational programs that support integrated religious and financial education activities, so that they can contribute to helping society improve their financial management wisely in accordance with sharia principles, and at the same time, contributing to reducing the impact of financial distress.
Keanekaragaman Spesies Arthropoda di Badan Air dan Sekitar Mata Air Kecamatan Gunungpati, Kota Semarang: Diversity of Arthropod Species in Water Bodies and Around Springs in Gunungpati District, Semarang City Novianti, Ira; Nana Kariada Tri Martuti; Partaya; Sri Ngabekti
Life Science Vol. 14 No. 2 (2025): November 2025
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/unnesjlifesci.v14.i2.28890

Abstract

Arthropods are the largest phylum in the Animalia kingdom that can live on land, in freshwater, in the sea, or in the air. Springs are bodies of water that seep out through cracks in rocks to the surface of the ground, serving as a habitat for various Arthropods and the Gunungpati district has several springs in its area. This study aims to analyze the diversity of arthropod species and to describe the abiotic and biotic factors that influence the diversity of arthropod species in the water bodies and around the springs in the Gunungpati district, Semarang City. The research was carried out from October to December 2022, located at five springs, among others. The research was conducted from October to December 2022 at five springs, namely Sendang Jedung, Sendang Lanang Trangkil, Sendang Ndelik, Sendang Mbiru, and Sendang Gede. The data collection method was purposive sampling. The approach used in this research is a quantitative approach with a descriptive research type. The research results showed a total of 1537 individuals and 112 species of arthropods, which included 146 individuals in water bodies and 1391 individuals around springs. The diversity index ranged from moderate to high, between 1.82-3.30. The dominance index values were low, ranging from 0.05-0.29, and the evenness index values fall within moderate to high criteria, ranging from 0.52-0.86. The Sorenson similarity index on the five ponds is considered low. Abiotic factors do not affect diversity too much because it has similar values in the five springs. Therefore, biotic factors (organic matter, litter, and surrounding vegetation) greatly influenced the diversity of arthropod species in water bodies and around the spring in Gunungpati District, Semarang City.  
Co-Authors Dwi Suhartanto Leo, Gundur Nana Kariada Tri Martuti Partaya Sri Ngabekti Suherlan, Deiana Syarief, Mochamad Edman