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DETERMINANTS OF EFFECTIVENESS REPAYMENT APPS AT P2P LENDING PLATFORM DURING COVID 19 PANDEMIC IN INDONESIA Kurniasari, Florentina; Utomo, Prio
Ultimaccounting Jurnal Ilmu Akuntansi Vol 13 No 1 (2021): Ultima Accounting : Jurnal Ilmu Akuntansi 
Publisher : Universitas Multimedia Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31937/akuntansi.v13i1.2094

Abstract

Abstract” The advance of technology development today brings an innovation in the financial industries all across the world, including in Indonesia. The financial technology continues to emerge from the sector of payment, investment and loans online or as we are familiar with the term P2P Lending platform. But, the growth of this business had a challenge when the Covid-19 Pandemic hit the country in the early 2020. The P2P lending platform experienced the first highest default rate due the difficulties of the SME's as its major customers' in repaying their loans. The purpose of this research is to analyze the determinants of effectiveness repayment apps for ultra-micro segment on P2P platform in Indonesia. As a quantitative research, primary data were collected through questionnaire answered by 133 respondents who were borrower of the P2P lending platform. The data collection was furthered processed statistically using Structural Equation Method (SEM). The study showed that the repayment decision had significantly influenced by perceived usefulness, perceived ease of use, perceived risk and information quality. Information quality itself had the highest influenced among others. Keywords: Perceived Usefulness; Perceived Ease of Use; Information Quality; Perceived Risks; Repayment Decision; Repayment Apps
The effectiveness of using educational cinema techniques to increase students' self-confidence: An experimental research Utomo, Prio; Maratus, Sholihah
ProGCouns: Journal of Professionals in Guidance and Counseling Vol. 2 No. 2 (2021): ProGCouns: Journal of Professionals in Guidance and Counseling
Publisher : Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (285.49 KB) | DOI: 10.21831/progcouns.v2i2.41101

Abstract

This research is motivated by the problem of low self-confidence of students. The purpose of this study was to test the effectiveness of educational cinema techniques as a medium to increase students' low self-esteem. The research design used pre experimental research with one group pretest and posttest design. The research subjects were 16 students of class VIII SMPN 6 Malang, the subjects were selected using purposive sampling technique. Data collection used (1) self-confidence scale; (2) experimental guidelines and (3) observation guidelines. Data analysis used descriptive and statistical analysis (Wilcoxon signed rank test). The results of data analysis produce that H0 is rejected and H1 is accepted, this means that there is a significant increase in student self-confidence after being given educational cinema techniques. The findings of the study show that there are differences in the improvement of students 'self-confidence between before (pretest) and after (posttest) being given educational cinema techniques, thus the results of the study concluded that educational cinema techniques were effective in increasing students' self-confidence.
Phenomenological Review of the Role of the Internal Control System and Corporate Culture in Enterprise Resource Planning (ERP) System Implementation to Produce Quality Financial Reports Lawita, Florencia Irena; Santoso, Yosef Budi; Utomo, Prio
Ekonomis: Journal of Economics and Business Vol 8, No 1 (2024): Maret
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v8i1.1425

Abstract

The best way to influence the quality of financial reports is to use an Enterprise Resource Planning (ERP) system. Implementation of an ERP system with an internal control system and corporate culture can help companies and management make decisions. This study aims to look at the interpretative-phenomenological role of internal control systems and corporate culture by implementing ERP systems to produce quality financial reports. The research method uses a qualitative interpretative-phenomenological paradigm. The informant determination technique in this study used purposive sampling. The data collection procedure used in this study was designing research instruments for the interview process, making transcripts, then conducting interviews with nine informants. The results of this study, there is an internal control system and corporate culture, with the implementation of the ERP-SAP system carried out in accordance with established Standard Operating Procedures, resulting in quality financial reports.
Analisa Sifat Mekanik Komposit Hybrid Serat Daun Nanas Dan Serat Sabut Kelapa Dengan Menggunakan Matriks Epoxy Utomo, Prio; Faizin, Kholis Nur; Aziz. R, M. Shafwallah Al
JEECAE (Journal of Electrical, Electronics, Control, and Automotive Engineering) Vol. 9 No. 1 (2024): JOURNAL OF ELECTRICAL, ELECTRONICS, CONTROL, AND AUTOMOTIVE ENGINEERING (JEECAE
Publisher : Pengelolaan Penerbitan Publikasi Ilmiah (P3I) Politeknik Negeri Madiun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32486/jeecae.v9i1.726

Abstract

Komposit merupakan material yang terdiri dari satu atau beberapa serat serta matriks. Tujuan penelitian ini untuk mengetahui pengaruh perbandingan fraksi volume antara serat daun nanas dan serat sabut kelapa bermatriks epoxy terhadap sifat mekanik komposit yang ditinjau dari pengujian tarik.Pencetakan komposit dilakukan dengan mencampurkan serat daun nanas 20% : serat sabut kelapa 10% : 70% resin epoxy, serat daun nanas 15%: serat sabut kelapa 15% : 70% resin epoxy , serat daun nanas 10% : serat sabut kelapa 20% : 70% resin epoxy, dengan susunan serat acak menggunakan metode hand lay up. Analisa sifat mekanik dari pengujian tarik berstandarkan ASTM D638 TYPE 1. Dari hasil data pengujian tarik diperoleh nilai kekuatan tegangan tarik dan regangan tarik terbesar terletak pada variasi fraksi volume serat daun nanas 20% : serat sabut kelapa 10% : 70% resin epoxy dengan nilai kekuatan tegangan tarik rata-rata sebesar 34,61 N/mm2 dan kekuatan regangan tarik rata-rata sebesar 1,71% , sedangkan untuk nilai kekuatan tegangan tarik terendah terletak pada variasi fraksi volume serat daun nanas 10% : serat sabut kelapa 20% : resin epoxy 70% dengan nilai kekuatan tegangan tarik rata – rata sebesar dan untuk nilai regangan tarik terendah terletak pada variasi fraksi volume serat daun nanas 15%: serat sabut kelapa 15%: resin epoxy 70% dengan nilai kekuatan regangan tarik rata-rata sebesar 1,36%. Berdasarkan data pengujian tarik tersebut dapat disimpulkan bahwa semakin banyak persentase serat daun nanas pada komposit hybrid serat daun nanas dan serat sabut kelapa bermatriks epoxy maka kekuatan tarik dan bendingnya semakin meningkat.
Strengths-Based Multicultural Counseling (SBMC) Model: An Approach for Counselors and Guidance and Counseling Teachers in the 21st Century Rahmawati, Novi Rosita; Utomo, Prio
Proceedings of Siliwangi Annual International Conference on Guidance and Counselling Vol. 3 No. 1 (2024): SAICGC, Volume 3 (December 2024)
Publisher : Academia Edu Cendekia Indonesia (AEDUCIA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64420/saicgc.v3i1.30

Abstract

The diversity among students serves as a valuable potential for fostering dynamic interactions and personal growth. To harness this potential, every student must cultivate multicultural awareness, which does not develop automatically but requires intentional efforts from an early stage. This article highlights the critical importance of strengths-based multicultural counseling and its relevance in the 21st century. The study utilizes a literature review as a methodological approach to emphasize the significance of strengths-based multicultural counseling, focusing on the opportunities and challenges faced by counselors and guidance teachers in contemporary contexts. Findings from the study reveal that strengths-based multicultural counseling is recognized as a "fourth force" or dimension within the counseling field, positioned alongside humanism, behaviorism, and psychodynamics. This approach emphasizes the need for cultural competence in counselors, encompassing the knowledge, skills, and attitudes necessary for professional practice in strengths-based multicultural counseling. Counselors are encouraged to view this method as a long-term relational process rather than a temporary intervention, given its implications for problem-solving and fostering understanding of diverse values among students. The counseling process thus becomes a
Optimalisasi Pemanfaatan Platform Digital untuk Eksplorasi Minat Studi dan Karier bagi Siswa Sekolah Menengah Kejuruan Alawiyah, Tuti; Utomo, Prio; AN, Devy Sekar; Zakiah, Luna Nuranisa
Jurnal Pengabdian Masyarakat, Ilmu, dan Aksi Vol. 1 No. 2 (2025): Jurnal Pengabdian Masyarakat, Ilmu, dan Aksi (ABDIMASIA)
Publisher : Asosiasi Asesmen Pendidikan (AAP)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63203/abdimasia.v1i2.185

Abstract

Era digital yang berkembang pesat menuntut Siswa Sekolah Menengah Kejuruan (SMK) untuk memiliki kemampuan dalam merencanakan pendidikan dan karier secara mandiri serta berbasis informasi. Pemanfaatan platform digital seperti Ruangguru, Zenius, dan portal perguruan tinggi menjadi sarana strategis untuk mengeksplorasi pilihan jurusan kuliah dan prospek karier secara lebih terarah. Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan literasi digital dan pemahaman karier siswa SMKN 1 Cihampelas melalui seminar edukatif bertajuk "Pengenalan Platform Online untuk Mengeksplorasi Jurusan Kuliah dan Prospek Karier". Kegiatan dilaksanakan dengan pendekatan Community-Based Research (CBR), yang melibatkan siswa sebagai mitra aktif dalam setiap tahap. Sebanyak 100 siswa kelas XI dan XII mengikuti seminar yang mencakup pre-test, penyampaian materi, dan post-test, serta sesi evaluatif. Analisis data dilakukan secara kuantitatif deskriptif dan kualitatif naratif untuk mengukur efektivitas intervensi. Analsisi data ini dipilih untuk memberikan gambaran yang menyeluruh tentang efektivitas intervensi dari perspektif peningkatan pengetahuan, pengalaman, dan persepsi peserta. Hasil menunjukkan bahwa 80% peserta mengalami peningkatan pemahaman terkait pentingnya platform digital dalam perencanaan pendidikan dan karier. Temuan ini menegaskan bahwa intervensi edukatif berbasis teknologi dapat menjadi solusi relevan dalam menjembatani kesenjangan informasi serta membekali siswa dengan keterampilan abad 21 yang dibutuhkan dalam mengambil keputusan akademik dan profesional secara lebih bijak. Implikasi penelitian ini sebagai bahan pengayaan bagi guru bimbingan dan konseling dalam memberikan layanan tentang Optimalisasi Pemanfaatan Platform Digital untuk Eksplorasi Minat Studi dan Karier bagi Siswa.
Cognitive-Behavioral Counseling: A Strategy to Overcome Students’ Addiction to TikTok through Self-Instruction Method Prayogi, Fiki; Utomo, Prio; Bulantika, Siti Zahra
Jurnal Kajian Bimbingan dan Konseling
Publisher : citeus

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

Abstract

TikTok has influenced the development of student behavior. Therefore, a service strategy is needed to overcome TikTok addiction in students. This study aimed to determine whether there was a decrease in TikTok addiction in students after being given cognitive-behavioral counseling with the self-instruction method. The researchers employed experimental research with one group pretest-posttest designs as the research design. The research samples consisted of 18 students. The researchers utilized the TikTok addiction scale as the research instrument for collecting the data. The validity result of the instrument was in KMO value of 0.791 with Sig. of 0.000 (0.791 greater than 0.5). The finding of the reliability test in the research instrument was 0.821 based on Alpha coefficient analysis. The researchers employed non-parametric statistics for data analysis of research. Furthermore, the decision H0 is rejected, and H1 is accepted based on the Z value of -2.703 (0.005 less than 0.05) by implementing the Wilcoxon test. Therefore, the results showed that there was TikTok addiction among the students after being given cognitive-behavioral counseling with the self-instruction method. The results of this study contributed as enrichment material both theoretically and practically related to the use of cognitive-behavioral counseling with self-instruction method as the basis for counseling services in schools.
Development of digital promotional media for tourism local based on the Cirarab Village community, Tangerang Regency Prihanto, Yohannes Johny Natu; Utomo, Prio; Rinto, Frans Sahala Moshes
Community Empowerment Vol 10 No 11 (2025)
Publisher : Universitas Muhammadiyah Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31603/ce.14832

Abstract

This Community Service Program (PKM) was implemented to support the development of Cirarab Tourism Village, Tangerang Regency, through the use of community-based digital promotional media. The main problems faced by partners include limited understanding of MSMEs in digital marketing and a lack of promotional facilities for tourism villages. The objectives of this activity are to increase the capacity of MSME actors and PKK women's groups in utilizing technology for product promotion and to strengthen the digital identity of the village. The implementation methods included field observations, program formulation, five training sessions (business model canvas, product label design, product photography, digital marketing, and product diversification), assistance in creating a village website, and the production of a tourism profile video. The results of the activity showed an increase in participants' understanding and skills in the five training aspects, with achievements ranging from 87% to 95.7%, as well as the creation of an official website and profile video Cirarab Tourism Village. This program has had an impact on strengthening the competitiveness of MSMEs, increasing digital literacy, and establishing sustainable promotional tools. In the future, periodic assistance is needed to ensure that the management of websites, online stores, and promotional content remains consistent and keeps up with digital trends.
Parental guidance and the development of children's moral reasoning in social media use: Patterns and implications Utomo, Prio; Annisa, Dona Fitri; Isa, Nor Junainah Mohd; Iloakasia, Adaobi Jennifer
Jurnal Anifa: Studi Gender dan Anak Vol 6 No 1 (2025): June 2025
Publisher : Pusat Studi Gender dan Anak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/anifa.v6i1.10969

Abstract

The rapid advancement of technology and the widespread use of social media have introduced new challenges for parents in guiding their children's moral development. This study explores the patterns of parental guidance in shaping children's morality within the context of social media use and examines its impact on their moral growth. Employing a qualitative approach with a phenomenological method, the research was conducted with parents residing in Citeureup Village, North Cimahi District. Data were collected through in-depth interviews, participatory observation, and documentation, and then analyzed using data reduction, validation, and conclusion-drawing techniques. The findings reveal three primary patterns of parental guidance: preventive, persuasive, and collaborative. These strategies are actively utilized by parents to nurture their children's moral awareness in the digital age. The study concludes that parental presence and active engagement play a crucial role in children's moral development—particularly in shaping ethical behavior, social interaction, and a sense of responsibility—ultimately fostering more thoughtful and responsible digital citizens. This research offers valuable insights for parents, educators, and policymakers in developing effective strategies to support moral and character education in the digital era.