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All Journal Jurnal Keuangan dan Perbankan Journal The Winners Al-Ulum Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Ikonomika : Jurnal Ekonomi dan Bisnis Islam JURNAL NUSANTARA APLIKASI MANAJEMEN BISNIS Performance JURNAL AKUNTANSI, MANAJEMEN DAN EKONOMI ACCOUNTHIK : Journal of Accounting and Finance Abdi Dosen : Jurnal Pengabdian Pada Masyarakat Nusantara Science and Technology Proceedings Indonesian Community Development Journal (ICODEV) PROGRESIF Journal of Artificial Intelligence and Digital Business Darma Sabha Cendekia West Science Journal Economic and Entrepreneurship
Wiwiek Rabiatul Adawiyah
Universitas Jenderal Soedirman
Religion Agriculture, Biological Sciences & Forestry Humanities Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Medicine & Pharmacology Public Health Social Sciences Other

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Pengaruh Kepemimpinan Pengasuh dan Media Siber Terhadap Karakter Santri Dimediasi oleh Pendidikan Holistik Utama, Rafi Ilmi Badri; Adawiyah, Wiwiek Rabiatul
ICODEV: Indonesian Community Development Journal Vol. 7 No. 1 (2026)
Publisher : Da'wa Faculty UIN Saizu Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/icodev.v7i1.16173

Abstract

Perkembangan teknologi digital menghadirkan peluang sekaligus tantangan dalam pembentukan karakter generasi muda, termasuk santri mahasiswa yang aktif menggunakan media siber dalam aktivitas akademik dan sosial. Kondisi ini menuntut adanya kepemimpinan pengasuh yang kuat serta sistem pendidikan yang mampu mengintegrasikan berbagai aspek perkembangan santri secara menyeluruh. Penelitian ini bertujuan untuk menganalisis pengaruh kepemimpinan pengasuh dan media siber terhadap karakter santri dengan pendidikan holistik sebagai variabel mediasi pada pondok pesantren mahasiswa modern di Purwokerto. Penelitian menggunakan pendekatan kuantitatif dengan metode survei terhadap 396 santri dari tiga pondok pesantren mahasiswa. Data dikumpulkan melalui kuesioner skala Likert dan dianalisis menggunakan metode Partial Least Squares–Structural Equation Modeling (PLS-SEM) dengan bantuan perangkat lunak SmartPLS. Hasil penelitian menunjukkan bahwa kepemimpinan pengasuh dan media siber berpengaruh positif dan signifikan terhadap pendidikan holistik dan karakter santri. Analisis menunjukkan bahwa pendidikan holistik memperkuat hubungan antara kepemimpinan pengasuh dan media siber dengan pembentukan karakter santri. Temuan ini menunjukkan bahwa integrasi kepemimpinan pengasuh, pengelolaan media siber yang bijak, dan implementasi pendidikan holistik mampu membentuk karakter santri yang adaptif terhadap perkembangan era digital.
Digital Transformation of MSME Finance: The Role of Digital Financial Literacy, Digital Lifestyle, and Saving Decisions in Digital Banks (SDB) for Business Resilience Widjayanti, Carolina Ety; Adawiyah, Wiwiek Rabiatul; Sudarto, Sudarto; Najmudin, Najmudin; Laksana, Rio Dhani
Journal The Winners Vol. 27 No. 1 (2026): Journal The Winners
Publisher : Bina Nusantara University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21512/tw.v27i1.14646

Abstract

This research addressed a gap in Micro, Small, and Medium Enterprises (MSMEs) finance research, which has predominantly focused on digital credit adoption while paying limited attention to saving decisions in digital banks and their implications for business resilience. The study aimed to examine the role of digital financial literacy and digital lifestyle in shaping saving decisions in digital banks and to explore how these decisions contribute to strengthening MSME resilience. Data were collected from MSME owners and managers and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings indicate that digital financial literacy and digital lifestyle positively influence saving decisions in digital banks. Furthermore, saving decisions in digital banks play an important role in enhancing business resilience and serve as a mechanism through which digital financial literacy and digital lifestyle contribute to sustainable business operations. The research extends the digital finance literature by conceptualizing digital-bank savings as a digitally enabled cash-management practice that supports financial discipline, fund separation, cash-flow documentation, and liquidity management among MSMEs. This perspective highlights that digital financial services are not only relevant for accessing external financing but also for strengthening internal financial management capabilities. The practical implications suggest the need for MSME-oriented digital banking services, financial literacy programs, and behavioral interventions that encourage safe, documented, and disciplined saving practices to support long-term business resilience in an increasingly digital financial ecosystem.
Co-Authors Achmad Sudjadi Adila Awaludin Adriana Madya Marampa Afandi, Mugiarti Ari Asnani Bambang Agus Pramuka Bambang Agus Sumantri Banani, Ade Carolina Ety Widjayanti Chandra Warsito, Chandra Dian Windy Dwiasi Fahmi, M. Noor Fauziyah, Eka Putri Hana Nur Hartiyah, Sri Hartono, Rudi Kamila, Nabilah Hasna Kurniasih, Retno Laksana, Rio Dhani Maghfiroh, Ismi Mohamad Fazar Fadilah Najmudin Nida Umi Farhah, Nida Umi Nuansari, Larasatri Praptapa, Agung Rimi Gusliana Mais Rosiana, Monica Santosa, Hendri Dian Siti Zulaikha Wulandari Sofiyanti, Neneng Sri Murni Setyawati Sudarto Sudarto Utama, Rafi Ilmi Badri Wahab, Norailis Ab. Yanuar E. Restianto Zainal Abidin