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Exploring Customer Experiences and Perceptions towards the Implementation of Digital Banking Services: A Case Study of Millennials in Mandailing Natal Rukiah
Involvement International Journal of Business Vol. 1 No. 2 (2024): April 2024
Publisher : PT Agung Media Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62569/iijb.v1i2.22

Abstract

This qualitative study investigates the perceptions and experiences of millennials regarding the implementation of digital banking services in Mandailing Natal. Through in-depth interviews with a purposive sample of millennials, key insights have emerged. Convenience and accessibility emerged as paramount factors driving millennials' adoption of digital banking services. Participants highly valued the ability to conduct banking transactions anytime, anywhere, through user-friendly mobile apps. Trust and security were also crucial, with concerns about privacy and security prevalent among participants. Financial institutions must prioritize robust security measures and transparent communication to build trust and encourage adoption. Additionally, the study revealed diverse preferences and usage patterns among millennials, emphasizing the need for tailored digital banking offerings. Education and awareness emerged as essential in shaping millennials' attitudes, highlighting the necessity for improved communication efforts from financial institutions. Understanding and addressing the needs, preferences, and concerns of millennials are crucial for enhancing the adoption and utilization of digital banking services in Mandailing Natal. By prioritizing convenience, trust, personalization, and education, financial institutions can better meet millennials' evolving needs and foster greater engagement and satisfaction with digital banking services.  
Implementasi Metode Bermain dalam Menstimulasi Kemampuan Kognitif dan Sosial Anak Usia Dini Masdiana Maula; Rukiah; Rukiyah, Ity
Indo-MathEdu Intellectuals Journal Vol. 5 No. 6 (2024): Indo-MathEdu Intellectuals Journal
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/imeij.v5i6.2218

Abstract

This research aims to describe the implementation of play methods in stimulating the cognitive and social abilities of young children. The research was conducted using a descriptive qualitative approach. The research subjects consisted of 17 Buah Hati Kindergarten children aged 5-6 years, who were selected using a purposive sampling technique based on the children's involvement in play activities designed by the teacher. Data was collected through observation, interviews and documentation, then analyzed using the Miles, Huberman and Saldana model including data collection, data condensation, data presentation and conclusion drawing, with triangulation validation techniques and sources. The results of the research show that play activities that are applied systematically, such as playing with blocks, stick men, making weapons from banana stems, and matching pictures of flags, make a significant contribution to children's development. Block games train logic, creativity and problem-solving skills. Stick man games hone creativity and critical thinking skills through discussion and collaboration. The activity of making weapons from banana stems fosters imagination, gross motor coordination and cooperation, while the flag matching game improves memory, symbol recognition and social interaction. The conclusion of this research confirms that play methods, if well designed and relevant, can be an effective learning strategy in supporting the cognitive and social development of early childhood.
ANALYSIS OF THE CONTRIBUTION AND INTERACTION BETWEEN INFLATION, ZAKAT POTENTIAL AND POVERTY LEVEL TOWARDS THE HUMAN DEVELOPMENT INDEX (HDI) Muhammad Syahwali; Arbanur Rasyid; Rukiah
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 4 No. 12 (2025): NOVEMBER
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijset.v4i12.1529

Abstract

The Human Development Index (IPM) is an illustration of the development of human welfare in a country. Indonesia, which has 34 provinces and several provinces still have HDI levels, some are still below 70% and are in the moderate HDI category. This condition can be related to policies taken from a country both from the strategy of maintaining inflation, empowering zakat potential and maintaining poverty levels. The purpose of this study was to analyze the influence, interaction and causality relationship between inflation, zakat potential, poverty level and human development index in provinces in Indonesia. The theory used in this study is related to macro variables such as inflation, zakat potential, poverty level and the Human Development Index. This research is a quantitative study using secondary data with a sampling technique with saturated sampling of 34 samples, and analyzed using the VAR method with computer program statistical toolsEviews 10. The research results show based on analysisVector Error Correction Model(VECM) Inflation has an effect of 27%, the potential for zakat has an effect of 0.002%, and the poverty rate has an influence of 10.4% Based on the analysisImpuls Response Function (IRF), The potential for zakat is the variable that has the highest response by other variables, then the response to the poverty rate and finally the inflation variable where the dynamic shock is stable between the 15th to the 20th year. Results of the analysisForcast error Variance Decomposition (FEVD) shows the potential for zakat and the poverty rate to be the variables that have the greatest contribution to other variables, namely 31.44% and 4,76%. The variable that has the lowest response and contribution to other variables is the inflation variable of 3.79% .
Kontribusi Mahasiswa Magang terhadap Administrasi dan Pengelolaan Data Anggota di Koperasi Mitra Manindo Akhyar; Rukiah; Nabila Amanda Putri; Andrian Maulana; Adam Maulana; Rizky Amanda Sari; Abdullah Saddam Siregar; Hasnawiyah; Helma Rosalina; Siti Ramadhani; Leli Safitri; Tuti Alawiyah
Ambacang: Jurnal Inovasi Pengabdian Masyarakat Vol. 2 No. 2 (2026): Edisi Januari (In Press)
Publisher : PT. Willy Print Art

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Program Praktik Pengalaman Lapangan (PPL) merupakan jembatan krusial bagi mahasiswa untuk mengaplikasikan ilmu teori ke dalam realitas dunia kerja. Artikel pengabdian ini bertujuan untuk mendeskripsikan serta menganalisis kontribusi nyata mahasiswa magang dalam mendukung operasional administrasi dan pengelolaan data anggota di Koperasi Mitra Manindo. Metode yang digunakan adalah partisipasi aktif melalui keterlibatan langsung dalam berbagai lini kerja koperasi, mulai dari pengelolaan administrasi keuangan hingga dukungan operasional lapangan. Hasil dari kegiatan pengabdian ini menunjukkan bahwa keberadaan mahasiswa magang mampu meningkatkan efisiensi kerja staf tetap, mempercepat proses penyusunan arsip yang sebelumnya menumpuk, serta memastikan akurasi data keuangan melalui pengerjaan vocer dan proses transaksi transfer. Selain manfaat teknis bagi instansi, program ini memberikan dampak signifikan bagi pengembangan diri mahasiswa, terutama dalam peningkatan ilmu pengetahuan praktis, pengalaman profesional, serta pembentukan karakter yang mencakup kedisiplinan, tata krama, dan kekompakan kerja tim. Mengingat Koperasi Mitra Manindo memiliki struktur organisasi yang luas dengan banyak cabang, pembagian mahasiswa ke berbagai unit kerja terbukti efektif dalam melatih adaptabilitas dan solidaritas antar anggota tim dalam lingkungan kerja yang dinamis.