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The Effect of Perceived Risk, Benefit, and Ease of Credit on Credit-Making Decisions Among MSMEs in Sragen Regency Mustofa, Rochman Hadi; Pamungkas, Leonny Noviyana Sakti; Karima, Mutiara; Zemafi, Okindy Dheawara
Journal of International Conference Proceedings Vol 6, No 7 (2023): 2023 ICPM Bali Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v6i7.2744

Micro, Small, and Medium Enterprises (MSMEs) are essential to economic growth MSMEs are considered a new economic wheel that can encourage the regional economy to contribute to employment This study aimed to examine the effect of perceived risk, benefits, and ease of credit on taking credit decision-making in MSMEs in the Sragen Regency. Data were collected from as many as 153 respondents who are MSMEs in Sragen Regency using a Likert scale questionnaire. The sampling technique used is random cluster sampling in each sub-district in Sragen Regency. The data analysis includes assumption, multiple linear regression, and hypothesis testing (t-test and F-test). The research results show that the perception of risk, the perception of benefits, and the ease of credit significantly affect the credit-making decisions of MSME actors in the Sragen Regency. This research implies that capital providers need to pay attention to the public's view of the risks, benefits, and convenience of credit by socializing, being more responsive and informative about criticism and suggestions, and providing solutions for MSMEs with financial problems.

The Effect of Perceived Risk, Benefit, and Ease of Credit on Credit-Making Decisions Among MSMEs in Sragen Regency Mustofa, Rochman Hadi; Pamungkas, Leonny Noviyana Sakti; Karima, Mutiara; Zemafi, Okindy Dheawara
Journal of International Conference Proceedings Vol 6, No 7 (2023): 2023 ICPM Bali Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v6i7.2744

Micro, Small, and Medium Enterprises (MSMEs) are essential to economic growth MSMEs are considered a new economic wheel that can encourage the regional economy to contribute to employment This study aimed to examine the effect of perceived risk, benefits, and ease of credit on taking credit decision-making in MSMEs in the Sragen Regency. Data were collected from as many as 153 respondents who are MSMEs in Sragen Regency using a Likert scale questionnaire. The sampling technique used is random cluster sampling in each sub-district in Sragen Regency. The data analysis includes assumption, multiple linear regression, and hypothesis testing (t-test and F-test). The research results show that the perception of risk, the perception of benefits, and the ease of credit significantly affect the credit-making decisions of MSME actors in the Sragen Regency. This research implies that capital providers need to pay attention to the public's view of the risks, benefits, and convenience of credit by socializing, being more responsive and informative about criticism and suggestions, and providing solutions for MSMEs with financial problems.

Pentagon fraud dimensions effects on students’ academic dishonesty in online-based learning at vocational high schools Jatmika, Surya; Karima, Mutiara; Pertiwi, Puspita; Martama, Happy
Indonesian Journal of Educational Development (IJED) Vol. 6 No. 1 (2025): May 2025
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat (LPPM) Universitas PGRI Mahadewa Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59672/ijed.v6i1.4639

Academic dishonesty is one of the fraud behaviours in education institutions caused by several factors. This study aimed to determine the influences of the pentagon fraud dimensions (pressure, opportunity, rationalizsation, ability, and arrogance) on academic dishonesty in online Accounting learning at SMK Business and Management in Sukoharjo Regency. This research applied a quantitative approach with a causal-comparative research design. The sample included randomly selected 115 Grade XI students of Accounting and Financial Institutions at SMK Negeri 6 Sukoharjo and SMK Muhammadiyah Watukelir Sukoharjo. The data were collected using questionnaires and analysed using nonparametric statistics with the Kruskal-Wallis test. Based on the results of the Kruskal-Wallis test, the opportunity variable has an Asymp. Sig. value of 0.001, rationalisation of 0.043, ability of 0.006, and arrogance of 0.002. These values are smaller than the significance level of 0.05, so Ha is accepted. While the pressure value of 0.573 is greater than 0.05. The results of the study indicate that academic dishonesty in online Accounting learning at SMK Bisnis dan Manajemen Sukoharjo Regency, when viewed from the Fraud Pentagon dimension, is influenced by the opportunity, rationalisation, ability, and arrogance variables, but is not influenced by the pressure variable. In an effort to lower academic dishonesty, schools should implement stronger controls to minimise the chances of cheating, provide ethics training to combat rationalisation, enhance students' capabilities through study aid, and foster a culture of integrity in order to surmount arrogance.

Proses Hijrah Mahasiswa Universitas Muhammadiyah Surakarta Almelita Putranti, Ade Yunida; Insani, Mia Nur; Karima, Mutiara; Habibi, Wahdan Najib
Prosiding University Research Colloquium Proceeding of The 11th University Research Colloquium 2020: Bidang Pendidikan dan Agama
Publisher : Konsorsium Lembaga Penelitian dan Pengabdian kepada Masyarakat Perguruan Tinggi Muhammadiyah 'Aisyiyah (PTMA) Koordinator Wilayah Jawa Tengah - DIY

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Hijrah menjadi trend di kalangan mahasiswa saat ini. Permasalahan yang muncul terkait hijrah saat ini yaitu adanya perbedaan perspektif mengenai hijrah yang menjadi indikator kurang pemahaman makna hijrah secara utuh sehingga menimbulkan ketidaktepatan dalam proses hijrah yang bengaruh pada pencapaian tujuan hijrah yang tepat. Penelitian ini bertujuan untuk mengetahui proses hijrah mahasiswa Universitas Muhammadiyah Surakarta berdasarkan makna, motivasi, dan pengaruh. Penelitian ini menggunakan metode penelitian fenomenologi yang menekankan pada pengalaman dan esensi suatu fenomena. Hasil penelitian ini yaitu proses hijrah mahasiswa berdasarkan makna, motivasi, dan pengaruh. Pertama pemaknaan hijrah, makna hijrah bagi mahasiswa dirumuskan dengan 3C yaitu (changed, controlling, contribution). Kedua, motivasi hijrah mahasiswa berdasarkan prioritas kegiatan antara keagamaan dan akademik ada tiga tingkatan yaitu tinggi, sedang, dan rendah. Ketiga, pengaruh hijrah mahasiwa mencakup hubungan dengan Allah, hubungan dengan diri pribadi dan hubungan dengan masyarakat yang meluputi perkembangan aktifitas, respon lingkungan, perasaan, tantangan, serta perubahan ketika hijrah.

The Effect of Price Perception, Shipping Costs and Time Pressure on Purchase Decisions of Shopee Flash Sale at Universitas Muhammadiyah Surakarta Zakiah, Z; Sari, Dhany Efita; Karima, Mutiara; Ahmad, Noor Lela
Proceedings International Conference on Education Innovation and Social Science 2022: Proceedings International Conference on Education Innovation and Social Science
Publisher : Universitas Muhammadiyah Surakarta

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The goal of this study is to see if price perception, shipping expenses, and time pressure have a positive and substantial impact on purchasing decisions during the Shopee Flash Sale. This study used a survey research design to conduct a comparative causal study (cross sectional survey). 226 Accounting Education Universitas Muhammadiyah Surakarta students who used Shopee Flash Sale were polled. 7 questions for the price perception variable, 9 questions for the shipping cost variable, 6 questions for the time pressure variable, and 8 questions for the Shopee Flash Sale purchase decision variable were distributed via a google form. Multiple linear regression, partial t test, and f test were employed in the data analysis. The findings reveal that 1) there is a relationship between the two variables; and 2) there is a relationship between the two.

Implementation of IT-Based Learning (E-Learning) In Growing Digital Literature in SMA Batik 1 Surakarta Zumrida, Azza; Suwandi, Djoko; Karima, Mutiara
Proceedings International Conference on Education Innovation and Social Science 2022: Proceedings International Conference on Education Innovation and Social Science
Publisher : Universitas Muhammadiyah Surakarta

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The purpose of this study is to determine the application of e-learning as a means of increasing digital literacy at SMA Batik 1 Surakarta, as well as the value of e-learning and the barriers to its implementation. Interviews, interactive observation, and documentation were used to collect data in this qualitative descriptive research with a case study approach. Data analysis with a succession of operations employing flow or interactive approaches; data reduction, data display, conclusion drawing/verification. Source and technique triangulation strategies are used in triangulation. Conclusions of the research: 1) E-learning to replace offline learning that cannot be implemented due to the covid-19 pandemic at SMA Batik 1 Surakarta using teams office 365, LMS-based e-learning, and utilizing whatsapp and e-library as support; 2) Elearning to replace offline learning that cannot be implemented due to the covid-19 pandemic, thereby eliminating the fear of lost learning which will have an impact on lost generation; and 3) Availability of sufficient internet quota, weak network and learning motivation are obstacles to the implementation of e-learning at SMA Batik 1 Surakarta.

Penta-Helix Model of Merdeka Kurikulum to Address Learning Loss at SMA Al-Islam 1 Surakarta Mustofa, Rochman Hadi; Ramadhan, Muhammad Tanzilal; Buana, Dewangga Satria; Karima, Mutiara; Narmanditya, Bagus Shandy
Proceedings International Conference on Education Innovation and Social Science 2024: Proceedings International Conference on Education Innovation and Social Science
Publisher : Universitas Muhammadiyah Surakarta

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The learning loss that emerged after online learning during the COVID-19 pandemic has resulted in low motivation and slow psychological development among students. This study aims to investigate the implementation of strategies to address learning loss through the implementation of the Merdeka Curriculum at SMA Al-Islam 1 Surakarta, a "Sekolah Penggerak" (Catalyst School) in Indonesia. This study employs a qualitative case study design, collecting data through interviews, documentation, and observation. The results reveal that the implementation of the Merdeka Curriculum to address learning loss involves character education through differentiated learning, optimization of the Project Penguatan Profil Pelajar Pancasila (P5) to strengthen students' national identity, and collaboration among the penta-helix (school principal, teachers, community, parents, and media). Effective communication by the school principal and their deputies with students' families was also critical in successfully implementing the Merdeka Currichool. This study highlights the importance of collaboration among the penta-helix in implementing the Merdeka Curriculum at schools.

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