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Does Financial Technology Lending and Financial Literacy Affect Crime? Evidence From Indonesia Nugraha, Handy; Putriani, Santi; Febriani, Hanifah; Kuncoro, Trian Gigih; Anas, Muhammad; Puspitasari, Inda Fresti
Jurnal Reviu Akuntansi dan Keuangan Vol. 14 No. 4 (2024): Jurnal Reviu Akuntansi dan Keuangan
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jrak.v14i4.34734

Abstract

Purpose: This research aims to investigate the relationship between FinTech Lending and Financial Literacy on Crime (fraud, embezzlement, and corruption). This research provides knowledge about the impact of FinTech Lending which can increase crime and financial literacy which can reduce crime. Methodology/approach: This study employs panel data consisting of 34 provinces in Indonesia with observations in 2019 and 2022 due to data availability. The secondary data used was collected from official Indonesian government institutions (OJK and BPS). To achieve the purpose, a quantitative approach and panel data regression analysis methods are applied. Panel data provides more variability, less collinearity among variables, and more degrees of freedom. This can lead to more efficient estimators and more precise inference of model parameters. Based on the Hausman test, the estimated model is Random Effects (RE). Findings: The results of this research show that FinTech Lending has a significant positive impact on the growth of crime, while Financial Literacy has a negative impact on the growth of crime. This indicates that as the use of FinTech Lending increases, crime rates also increase, and higher levels of Financial Literacy help reduce the growth of crime. Practical implications: The results of this research can be used as material for consideration by the government in creating a comprehensive legal framework through the establishment of a Law on FinTech. Originality/value: To the best of the researcher's knowledge, this research is the first research to investigate the influence of FinTech Lending and Financial Literacy on Crime Rates in Indonesia using a quantitative approach, whereas previous research used a qualitative approach.
Pemberdayaan Masyarakat Melalui Eco-Printing Di Komunitas Kalingayahan, Filipina Kurnianingsih, Marisa; Prakoso, Andria Luhur; Fairuzzaman, Fahmi; Salazar, Ramonita A; Iksan, Muchamad; Zuhdi, Syaifudin; Febriani, Hanifah
Abdimas Indonesian Journal Vol. 5 No. 1 (2025)
Publisher : Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/aij.v5i1.600

Abstract

This community service aims to empower the community through the introduction of eco-printing techniques in the Kalingayahan Community, Philippines. This community service is the result of an international collaboration between the Faculty of Law, Universitas Muhammadiyah Surakarta and Our Lady of Fatima University in the Philippines. Eco-printing, which uses natural materials such as leaves and flowers, supports environmental conservation and has economic potential through products of high aesthetic value. In a country rich in biodiversity like the Philippines, eco-printing can contribute to the creative economy while reducing environmental impacts. The method of this community service is through lectures and simulations. Community empowerment through eco-printing has received a positive response from both the community and the government in Kalingayahan, Philippines. Eco-printing crafts can support sustainable social, economic, and environmental change, while supporting global goals for sustainability and community empowerment by spreading Indonesian crafts.
Workshop Pengembangan Wayang Keadilan sebagai Media Pendidikan Karakter di Sekolah Dasar Filipina Hidayat, Muhamad Taufik; Arifin, Achmad Januar; Rahmawati, Fitri Puji; Syarifa, Gizha; Rizka; Febriani, Hanifah; Daing, Crisanto A.; Winaryati, Eny
JPEMAS: Jurnal Pengabdian Kepada Masyarakat Vol. 2 No. 1 (2023): JPEMAS : Jurnal Pengabdian Kepada Masyarakat
Publisher : Yayasan Pendidikan Tanggui Baimbaian

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71456/adc.v2i1.625

Abstract

Berbagai berita dan hasil penelitian menunjukkan bahwa masyarakat Filipina harus meningkatkan karakter adil. Tujuan dari pengabdian masyarakat ini yaitu untuk memberikan pengetahuan dan keterampilan kepada peserta dalam menanamkan karakter keadilan berbasis media wayang. Selain itu, pengabdian masyarakat ini juga bertujuan untuk mendampingi peserta mengembangkan media wayang untuk penanaman karakter keadilan. Kegiatan pengabdian ini berupa workshop yang diikuti oleh guru, siswa, dan kepala sekolah dari dua SD, OLFU Elementary School dan Lagros Elementary School. Dalam workshop ini, mereka menerima materi yang mencakup topik-topik berikut: (1) Story Telling cerita dongeng Robin Hood, Keong Mas, dan Pagong and Matsing, (2) Praktik pembuatan media dari wayang kardus, dan (3) Praktik cara memainkan wayang ketika bercerita. Implementasi pengabdian masyarakat berlangsung pada hari Rabu, 6 September di OLFU Elementary School dan Lagros Elementary School. Workshop ini dihadiri oleh sebanyak 30 peserta di OLFU Elementary School dan 100 peserta di Lagros Elementary School. Secara umum peserta menganggap kegiatan workshop ini sangat bermanfaat bagi mereka. Peserta mendapatkan banyak ilmu baru yaitu cerita dongeng dari Indonesia, cara membuat wayang dari kardus, dan cara memainkan wayang saat bercerita. Para peserta juga dapat menerima dengan baik budaya wayang dari Indonesia. Hasil evaluasi menunjukkan bahwa materi yang disampaikan dapat diikuti peserta dengan baik serta terjadi peningkatan pengetahuan dan keterampilan.
THE EFFECT OF GIVING MUNG BEAN EXTRACT ON HEMOGLOBIN LEVELS OF MIDWIFERY STUDENTS OF LEVEL III OF MINISTRY OF HEALTH POLTECHNIC, TANJUNGPINANG Susilawati, Elly; Febriani, Hanifah; Yanti, Yanti; Lailiyana, Lailiyana
JURNAL IBU DAN ANAK Vol 13 No 1 (2025): Jurnal Ibu dan Anak. Volume 13 Nomor 1, Mei 2025
Publisher : Poltekkes Kemenkes Riau Under Health Ministry Republik Indonesia

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

Abstract

Adolescents with iron deficiency anemia are a group prone to anemia. Data from the Tanjungpinang City Health Office in 2018 showed that the incidence of anemia in adolescent girls was 25% of the total number of adolescent girls in Tanjungpinang City. The purpose of this study was to determine the effect of giving green bean juice on hemoglobin levels of female students at the Poltekkes Kemenkes Tanjungpinang. This study was conducted in January - May 2020 at the Poltekkes Kemenkes Tanjungpinang with this type of research being Quasy Experiment and post test only with control group design. Sampling in this study used the Purposive Sampling technique. The population in this study were all female students of DIII Midwifery Level III. The average hemoglobin level in the group given Fe tablets after being given Fe tablets was 13.67 gr / dl and the average hemoglobin level in the intervention group after being given green bean juice and Fe tablets was 12.32 gr / dl. The results of the Independent Test with a 95% confidence level showed no effect of green bean juice on hemoglobin levels in female students of the Tanjungpinang Ministry of Health Polytechnic (p = 0.209). It is expected that female students consume supplements containing iron, especially during menstruation and consume foods that contain a lot of substances that accelerate iron absorption
Lokakarya Penyusunan Policy Brief: Rancangan Kebijakan Pencegahan Stunting pada Lingkup Pemerintahan Desa di Kabupaten Wonosobo Farid, Achmad Miftah; Febriani, Hanifah; Fahrurodzi, Denny Saptono; Failaq, Muhammad RM Fayasy; Anastasya, Dita Nadya; Budiono, Arief
Jurnal Mitrawarga Vol. 4 No. 1 (2025): jurnal mitrawarga
Publisher : Fakultas Ilmu Sosial dan ilmu Politik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23960/jmw.v4i1.58

Abstract

Stunting merupakan masalah kesehatan darurat yang memengaruhi perkembangan fisik dan kognitif anak. Di Desa Butuh Kecamatan Kalikajar Kabupaten Wonosobo, tingginya prevalensi stunting menyoroti perlunya intervensi kebijakan yang terstruktur dan kontekstual. Kegiatan Pengabdian kepada Masyarakat ini bertujuan untuk menyusun policy brief yang merekomendasikan kebijakan pencegahan stunting pada tingkat desa, berdasarkan data dan kebutuhan berbasis kearifan lokal. Metode implementasi meliputi pengumpulan data tentang prevalensi stunting, lokakarya, Focus Group Discussion (FGD), penyusunan ringkasan kebijakan, dan penyuluhan bagi masyarakat. Melalui pendekatan transendental yang berakar pada kearifan lokal, pemerintah desa diharapkan dapat merumuskan kebijakan yang lebih tepat sasaran dan efektif dengan melibatkan akademisi, kader kesehatan, organisasi, dan tokoh masyarakat sebagai pemangku kepentingan. Pemanfaatan data observasi kuantitatif berfungsi sebagai dasar untuk ringkasan kebijakan, memastikan keselarasan dengan kondisi desa yang sebenarnya. Kegiatan ini menghasilkan ringkasan kebijakan yang menguraikan rencana strategis dan prioritas, yang mengarah pada pembentukan Tim Percepatan Penurunan Stunting dan Naskah Akademik Rancangan Peraturan Desa tentang Strategi Penurunan Stunting di Desa Butuh.
Gratification Reporting and Criminal Exemption: A Substantive Justice Perspective Febriani, Hanifah; Junaidi, M.; Andriani, Devi Luluk
Corruptio Vol 6 No 1 (2025)
Publisher : Faculty of Law, Universitas Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25041/corruptio.v6i1.4438

Abstract

This article examines the legal framework of gratification reporting under Articles 12B and 12C of Indonesia’s Anti-Corruption Law through the lens of substantive justice. The law exempts public officials from criminal liability if they report gratification to the Corruption Eradication Commission (KPK) within 30 days, a provision intended to promote transparency but often exploited as a loophole to evade punishment. Using a normative legal method with a statutory approach and case analysis, the research highlights how this mechanism contradicts substantive criminal law and undermines the moral foundation of justice. Drawing on the theories of John Rawls, Amartya Sen, and Ronald Dworkin, the analysis shows that while the provision reflects formal justice, it fails to deliver substantive justice by disproportionately favoring those with legal knowledge and institutional power. The research concludes that Article 12C should be revised to require voluntary reporting before public or law enforcement awareness and within a stricter seven-day window, ensuring greater alignment with both formal and substantive justice.
Constitutional Perspective of Human Rights Values in Local Wisdom in the Special Region of Yogyakarta (Study of Constitutional Court Decision No. 88/PUU-XIV/2016) Triwahyuningsih, Triwahyuningsih; Zuliyah, Siti; Putri, Uni Tsulasi; Febriani, Hanifah; Zulfiani Ayu Astutik
Jurnal Jurisprudence Vol. 13, No. 1, June 2023
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jurisprudence.v13i1.1846

Abstract

ABSTRACT Purpose: This research aims to (1) explore the local wisdom values of the Special Region of Yogyakarta (DIY), which can constitutionally strengthen human rights values in Indonesia, and (2) analyze the judge's consideration of the Constitutional Court Decision No. 88/PUU-XIV/2016 from the perspective of universalism versus particularism of human rights in Indonesia. Methodology: This normative legal research employed a philosophical and statutory approach. This research used only secondary data consisting of primary and secondary legal materials refined through Focus Group Discussion. The data were then analyzed by descriptive qualitative philosophy to find the meaning behind the object under study through data reduction, classification, interpretation, display, and drawing conclusions. Results: The study revealed that (1) constitutional human rights values in DIY’s local wisdom are explicitly stated in the DIY Regional Regulations (Perda) and Special Regional Regulations (Perdais). DIY’s local wisdom can philosophically strengthen human rights values in Indonesia based on Pancasila, confirming that Pancasila as a constitutional identity crystallizes cultural customs and religious values throughout Indonesia. (2) The judges’ opinion for the Constitutional Court Decision No. 88/PUU-XIV/2016 is relative-particular; other than human rights is universal as there is no differentiation between the male and female to be the Governor of Yogyakarta Special Region, in the particular case of Yogyakarta, it remains upholding the local wisdom values as the requirement to be the Governor of Yogyakarta Special Region, where he shall be the reigning monarch of Sultan Hamengku Buwono, and the requirement to be the Sultan relies on the hereditary internal law of the Kasultanan Ngayogyakarta Hadiningrat (Yogyakarta Palace) since 1755. Applications of the study: This study is applied (1) to maintain and preserve the local wisdom values of the Special Region of Yogyakarta (DIY) for the upholding of human rights in Indonesia as mandated by the 1945 Constitution and (2) to support the government’s program in the 2019-2024 RANHAM so that every Indonesian’s human rights receive perfect protection, in which the administrators of state power uphold human rights values in carrying out their duties to serve the community. Novelty/Originality: This research explored the local wisdom values of the DIY which can strengthen human rights values in Indonesia from various existing regulations in DIY with a broader approach, including raising local wisdom from human rights enforcement cases in Indonesia. Keywords: Constitutional Perspective, Human Rights, DIY’s Local Wisdom, Constitutional Court Decision No. 88/PUU-XIV/2016   ABSTRAK  Tujuan: Penelitian ini bertujuan untuk (1) menggali nilai-nilai kearifan lokal Daerah Istimewa Yogyakarta (DIY) yang secara konstitusional dapat memperkuat nilai-nilai HAM di Indonesia dan (2) menganalisis pertimbangan hakim terhadap Putusan Mahkamah Konstitusi Nomor 88/PUU-XIV/2016 dari perspektif universalisme versus partikularisme hak asasi manusia di Indonesia. Metodologi: Penelitian hukum normatif ini menggunakan pendekatan filosofis dan perundang-undangan. Penelitian ini hanya menggunakan data sekunder yang terdiri dari bahan hukum primer dan sekunder yang disempurnakan melalui Focus Group Discussion. Data tersebut kemudian dianalisis dengan filosofi kualitatif deskriptif untuk menemukan makna dibalik objek yang diteliti melalui reduksi data, klasifikasi, interpretasi, penyajian, dan penarikan kesimpulan. Temuan: Kajian menunjukkan bahwa (1) nilai-nilai konstitusional HAM dalam kearifan lokal DIY dinyatakan secara eksplisit dalam Peraturan Daerah (Perda) dan Peraturan Daerah Khusus (Perdais) DIY. Kearifan lokal DIY dapat memperkuat nilai-nilai hak asasi manusia di Indonesia secara filosofis berdasarkan Pancasila dan menegaskan bahwa Pancasila sebagai identitas konstitusional merupakan kristalisasi adat budaya dan nilai-nilai agama di seluruh nusantara. (2) Pendapat hakim terhadap Putusan Mahkamah Konstitusi Nomor 88/PUU-XIV/2016 bersifat relatif-khusus; selain hak asasi manusia bersifat universal karena tidak ada perbedaan antara laki-laki dan perempuan untuk menjadi Gubernur Daerah Istimewa Yogyakarta, khusus Yogyakarta, tetap menjunjung tinggi nilai-nilai kearifan lokal sebagai syarat untuk menjadi Gubernur Daerah Istimewa Yogyakarta, di mana beliau akan menjadi raja yang bertahta Sultan Hamengku Buwono dan syarat menjadi Sultan didasarkan pada hukum internal turun temurun dari Kasultanan Ngayogyakarta Hadiningrat (Istana Yogyakarta) sejak tahun 1755. Kegunaan kajian: Penelitian ini diterapkan untuk (1) menjaga dan melestarikan nilai-nilai kearifan lokal Daerah Istimewa Yogyakarta (DIY) untuk penegakan hak asasi manusia di Indonesia sebagaimana diamanatkan oleh UUD 1945 dan (2) untuk mendukung program pemerintah dalam RANHAM 2019-2024 agar hak asasi manusia setiap orang di Indonesia mendapat perlindungan yang sempurna, di mana penyelenggara kekuasaan negara menjunjung tinggi nilai-nilai hak asasi manusia dalam menjalankan tugasnya melayani masyarakat. Kebaruan/Orisinalitas: Penelitian ini menggali nilai-nilai kearifan lokal Daerah Istimewa Yogyakarta (DIY) yang dapat memperkuat nilai-nilai HAM di Indonesia dari berbagai regulasi yang ada di DIY dengan pendekatan yang lebih luas, termasuk mengangkat kearifan lokal dari kasus-kasus penegakan HAM di Indonesia. Kata Kunci: Perspektif Konstitusi, Hak Asasi Manusia, Kearifan Lokal DIY, Putusan MK No. 88/PUU-XIV/2016