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All Journal Katalogis JURNAL HUTAN LESTARI ELKHA : Jurnal Teknik Elektro Gorga : Jurnal Seni Rupa Jurnal Ekonomi : Journal of Economic Bulletin of Electrical Engineering and Informatics Biosfer: Jurnal Tadris Biologi Jurnal Diskursus Islam E-Journal Widya Ekonomika Jurnal Pengabdian Kepada Masyarakat Sakai Sambayan Jurnal Akuntansi dan Perpajakan Jurnal Informatika Upgris Jurnal Akuntansi dan Pajak Liquidity: Jurnal Riset Akuntansi dan Manajemen Jurnal Ilmu Administrasi Publik (JIAP) Batoboh : Jurnal Pengabdian Pada Masyarakat Martabe : Jurnal Pengabdian Kepada Masyarakat Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan JURNAL PENDIDIKAN TAMBUSAI JIAFE (Jurnal Ilmiah Akuntansi Fakultas Ekonomi) JOURNAL OF SCIENCE AND SOCIAL RESEARCH JETL (Journal Of Education, Teaching and Learning) Jurnal Ilmiah Mandala Education (JIME) Al-Hikmah: Jurnal Agama dan Ilmu Pengetahuan JUPE : Jurnal Pendidikan Mandala Al-Ta'lim Majalah Ilmiah Bijak Jurnal Public Policy SCAFFOLDING: Jurnal Pendidikan Islam dan Multikulturalisme KOLOKIUM: Jurnal Pendidikan Luar Sekolah Majalah Ilmu Pengetahuan dan Pemikiran Keagamaan Tajdid Jurnal PORKES JURNAL RISET AKUNTANSI TIRTAYASA Jurnal Ilmiah Akuntansi Kesatuan JURNAL ILMIAH KOHESI Jurnal Ilmu Manajemen Retail Universitas Muhammadiyah Sukabumi (JIMAT UMMI) Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) STUDI PELAKSANAAN SELFMEDICATION PADA PENDERITA DIARE BERDASARKAN TINGKAT PENGETAHUAN MASYARAKAT PESISIR KECAMATAN SOROPIA KABUPATEN KONAWE Jurnal Ilmiah Wahana Pendidikan Cokroaminoto Journal of Primary Education International Journal of Social Science Metta : Jurnal Ilmu Multidisiplin JURNAL LENTERA AKUNTANSI Educoretax International Journal of Educational Review, Law And Social Sciences (IJERLAS) Journal of Economics and Business Letters Indo-MathEdu Intellectuals Journal Jurnal Ranah Publik Indonesia Kontemporer (Rapik) Bulletin of Information Technology (BIT) Brilliance: Research of Artificial Intelligence Jurnal Pajak dan Bisnis (Journal of Tax and Business) Almufi Jurnal Pengabdian kepada Masyarakat Journal of Education Research Jurnal Interkom : Jurnal Publikasi Ilmiah Bidang Teknologi Informasi dan Komunikasi Dirgamaya: Jurnal Manajemen dan Sistem Informasi Jurnal Ilmiah Management Agribisnis (Jimanggis) Jurnal Akuntansi Dan Bisnis Indonesia (JABISI) Eksergi: Jurnal Teknik Energi INOTEK Livestock and Animal Research Journal of Agriculture (JoA) Asia Pacific Journal of Management and Education Jurnal Basicedu Asian Journal of Management Analytics Journal of Governance, Taxation, and Auditing JURNAL TUNAS PENDIDIKAN JRAP (Jurnal Riset Akuntansi dan Perpajakan) IJCIED Mestaka: Jurnal Pengabdian Kepada Masyarakat Capacitarea : Jurnal Pengabdian Kepada Masyarakat BULLET : Jurnal Multidisiplin Ilmu PPSDP International Journal of Education Jurnal Penelitian dan Pendidikan Agama Islam Al-Zayn: Jurnal Ilmu Sosial & Hukum atech-i Jurnal Komprehenshif PEDAMAS (Pengabdian Kepada Masyarakat) Jurnal Ilmu Tarbiyah dan Keguruan International Journal of Renewable Energy Development Jurnal Harmoni: Jurnal Akuntansi dan Keuangan El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam El-Mujtama: Jurnal Pengabdian Masyarakat Ekobisman : Jurnal Ekonomi Bisnis Manajemen JURNAL REKAYASA KIMIA & LINGKUNGAN Journal of Ekonomics, Finance, and Management Studies JERIT: Journal of Educational Research and Innovation Technology Jurnal Greenation Ilmu Akuntansi KINERJA : Jurnal Ekonomi dan Bisnis Nemui Nyimah
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The Integration of Fintech and Artificial Intelligence: Accelerating Accountability and Financial Inclusion in National Financial Governance Darmansyah Darmansyah; Arissetyanto Nugroho; Zulkifli Zulkifli; Winda Wulandari; Retna Sari
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 5 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i5.11933

Abstract

                This study investigates the role of Financial Technology (Fintech) and Artificial Intelligence (AI) in strengthening financial governance accountability and improving national financial inclusion. While prior studies have largely examined fintech and AI separately, this research develops an integrated model that positions accountability as a key mediating mechanism linking technological integration to broader financial inclusion outcomes. Using a quantitative explanatory design, data were collected through a digital survey involving 300 respondents consisting of public sector stakeholders, fintech actors, and users of digital financial services. The data were analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM). The results reveal that fintech integration positively and significantly affects accountability and financial inclusion. Likewise, AI implementation significantly improves accountability and financial inclusion. Accountability also exerts a strong positive effect on financial inclusion. Mediation analysis shows that accountability partially mediates the effects of fintech and AI on financial inclusion. These findings suggest that the integration of fintech and AI contributes not only to operational efficiency but also to the improvement of governance quality and the expansion of inclusive financial access. The study contributes to the literature by proposing an integrative fintech, AI, accountability, financial inclusion framework in the context of a developing economy and offers evidence-based implications for policymakers and financial regulators.
Enhancing Financial Literacy, Digital Literacy, and Technology-Based Career Readiness among Students of SMK Perintis 1 Depok, West Java Darmansyah Darmansyah; Hotman Fredy; Arissetyanto Nugroho; Irvandi Gustari; Ahmad Ramdani Salim; Winda Wulandari; Retna Sari; Wieldy Menanda
El-Mujtama: Jurnal Pengabdian Masyarakat  Vol. 6 No. 3 (2026): El-Mujtama: Jurnal Pengabdian Masyarakat 
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmujtama.v6i3.11976

Abstract

Digital transformation has shifted the competency paradigm required by vocational education graduates. Vocational High School (SMK) students currently face a triple challenge: financial management amidst the rise of fintech, ethical use of technology, and digitalized career competition. This community service activity aims to enhance the understanding and skills of SMK Perintis 1 Depok students through an integrated educational intervention. The method employed is an educational-participatory approach through seminars, practical training, and simulations involving 100 students. The effectiveness evaluation was conducted using a Paired Sample T-Test analysis on pre-test and post-test scores. Results showed significant improvements: financial literacy (58 to 82), digital literacy (61 to 85), and career readiness (55 to 84). A p-value < 0.05 proves the real impact of the intervention. The discussion highlights that the synergy between digital and financial literacy serves as a foundation for student resilience in facing economic uncertainty in the digital economy era.
The Integration of Fintech and Artificial Intelligence: Accelerating Accountability and Financial Inclusion in National Financial Governance Darmansyah Darmansyah; Arissetyanto Nugroho; Zulkifli Zulkifli; Winda Wulandari; Retna Sari
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 5 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i5.11933

Abstract

                This study investigates the role of Financial Technology (Fintech) and Artificial Intelligence (AI) in strengthening financial governance accountability and improving national financial inclusion. While prior studies have largely examined fintech and AI separately, this research develops an integrated model that positions accountability as a key mediating mechanism linking technological integration to broader financial inclusion outcomes. Using a quantitative explanatory design, data were collected through a digital survey involving 300 respondents consisting of public sector stakeholders, fintech actors, and users of digital financial services. The data were analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM). The results reveal that fintech integration positively and significantly affects accountability and financial inclusion. Likewise, AI implementation significantly improves accountability and financial inclusion. Accountability also exerts a strong positive effect on financial inclusion. Mediation analysis shows that accountability partially mediates the effects of fintech and AI on financial inclusion. These findings suggest that the integration of fintech and AI contributes not only to operational efficiency but also to the improvement of governance quality and the expansion of inclusive financial access. The study contributes to the literature by proposing an integrative fintech, AI, accountability, financial inclusion framework in the context of a developing economy and offers evidence-based implications for policymakers and financial regulators.
Examining the Role of Islamic Education Teachers in Fostering Good Character Among Students at Al-Fityah Integrated Islamic Junior High School in Pekanbaru Darmansyah, Darmansyah; Aprita, Junia; Putri, Apriliana; Novitasari, Shinta; Naufal, Naufal; Amsar Harahap, Rafi; Muslim, Rafli Efendi
Al-Hikmah: Jurnal Agama dan Ilmu Pengetahuan Vol. 23 No. 1 (2026): Al-Hikmah: Jurnal Agama dan Ilmu Pengetahuan (AJAIP)
Publisher : UIR Press

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

Abstract

This study aims to determine the strategies used by Islamic Religious Education teachers in fostering good character at SMP IT Al Fityah in Pekanbaru. Specifically, it seeks to examine the character-building efforts undertaken by Islamic Religious Education teachers at SMP IT Al Fityah in Pekanbaru. The method used in this study is a descriptive method employing a qualitative approach. Data collection procedures involved observation, interviews, and documentation. The interviews in this study were conducted with Islamic Religious Education teachers. The data analysis process used in this study included data collection, data reduction, data presentation, and drawing conclusions. The results of this study indicate that Islamic Religious Education teachers have implemented various effective strategies to strengthen students’ akhlakul karimah. These strategies include fostering religious practices, providing guidance, and consistently modeling exemplary behavior in daily school activities. The implementation of these strategies has proven to have a positive impact on changes in students’ religious attitudes and behaviors. These findings underscore that structured and sustained character development is crucial in supporting the success of character education.
Potency of green chiretta (Andrographis paniculata) leaf extract on antibody titers of laying chickens in the starter phase Darmansyah, Darmansyah; Mujnisa, A; Pakiding, Wempie
Livestock and Animal Research Vol 22, No 2 (2024): Livestock and Animal Research
Publisher : Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/lar.v22i2.79503

Abstract

Objective: Andrographolide, biological component, is present in Green chiretta (Andrographis paniculata), as an immunomodulator and feed additive for laying hens, has been potential to be explored. The objective of this study is to investigate the impact of green chiretta (Andrographis paniculata) leaf extract on the levels of antibodies against Avian Influenza (AI) and Newcastle Disease (ND) in laying hens during the initial phase of egg production.Methods: A total of 100 Isa Brown strain laying hens were were used ini this study consisted of 20 box cages with 60x50x50 cm. The study employed a completely randomised design (CRD) with 5 treatments, i.e.  T0 = Drinking water without EEGC, T1 = Drinking water + 0.5% EEGC, T3 = Drinking water + 1% EEGC, T4 = Drinking water + 1.5% EEGC, T5 = Drinking water + 2% EEGC. The study was replicated four times for each treatment.Results: The analysis of variance revealed that the treatment with green chiretta leaf extract did not show a significant impact on AI and ND antibody titers at 3, 4, and 5 weeks of age. However, this treatment significant affect on AI and ND antibody titers at 6 weeks of age.Conclusions: The addition of green chiretta (Andrographis paniculata) leaf extract to drinking water boosts up the development of AI and ND antibody levels. It exhibited superior antibody levels in comparison to the control treatment. To clarify, applying green chiretta (Andrographis paniculata) leaf extract to drinking water can maintain AI and ND antibody levels.
Co-Authors Abna Hidayati Adam Malik Adi Wiratno, Adi Aditya S., M. Afriansyah, Indra Agung Dinarjito, Agung Agus Nugraha Agusti Efi Agustina Agustina Iryani, Dewi Agustina, Rima Auliyamartha Ahmad Ramdani Salim Aliya Afifa, Bismil Amelia Rahmi Amilia, Winanda Amini, Maryam Amsar Harahap, Rafi Andi Ayu Lestari Anggraini, Novita Lizza Angraini, Ezi Anugrah, Septriyan Apdian, Donny Apit Priatna Aprita, Junia Ardiana, Lisa Arifin, Indra Aris Setyanto Nugroho Arisetyanto Nugroho Arissetyanto Nugroho Artika Wulan Agustin Arya Perdana, Guntur Aulia Tsalits, Askhaarina Awaludin, Wawan Awan Uji Krismanto Ayu Priandari, Rida Aziz, Yudi Azrul A., M. Azwar Subandi B.K, Felicia A. Stevanie` Baene, Marelius Bambang Purwoko Biru, Rembulan Catra Banyu Budiarty, IDA Chairunnisak, Chairunnisak Chatarina Umbul Wahyuni Choirul Anwar Choirul Anwar DA, Shazana Darlis, Olivia Darman, Regina Ade Darminto, Dwi Prastowo Dedi Supendra Delastri, Yefrineng Demina Demina Derriawan Derriawan, Derriawan Desi Anggraini Desvianti, Desvianti Desyandri Desyandri Dewi Agustina Iryani, Dewi Agustina Dewi, Ayu Komala Dharmawan, Purwoko Erie Djadang, Syahril Djaddang, Syahril Dzaki, Ahmad Eldarni Elpalina, Srimutia Emridawati Emridawati EP, Risda Liestianti Erianjoni Erianjoni Erwandy, Erwandy Fajri, Emzia Fajrina, Rahma Melisha Faradhiga, Aryadwipa A. Fatmariza Fatmariza Febriansyah, Rico Setiawan Febriyanto, Pramahadi Fetri Yeni J Fifi Swandari Firdaus Firdaus Fitria, Yanti Fitrisia, Azmi Gita, Eilinafta Habibie Habibie Hadaming, Hamdana Harnovinsah Harnovinsah Hary Devianto Hasan, Mu`thi Hawari, Hawari hendri, nofri Hens Saputra Heri Rustamaji Herlambang Setiadi Herry Wardono Herti Utami Hidayati Hidayati Hidayatulah, Serlin hidayatullah, Hidayatullah hidayatullah Hikmawati, Ningsih Hotman Fredy I Wayan Suparta . Ibrahim, Adil Hassan Ibrahim, Maulana Iman, Sadrul Imro’athush Sholihah, Husna Indo Santalia Inka Nusamuda Pratama Irfandi Irfandi, Irfandi Irja, Irja Irvan, Arief Irvandi Gustari IRVANDI GUSTARI Iskandar, M. Yakub Iswahyudi Iswahyudi Izza Anshory Jamaaluddin Jamiat, Ahmad Jaya, Ratna Indra JMV Mulyadi kardinan, kardinan Kesuma, Desmaria Puji KESUMOJATI, SISTER CLARA ISLAMY Khairunnisa Khairunnisa Krismoniga, Krismoniga Kurnia, Reni Kurniawati Mulyanti Laila Refiana Said Lbs, Intan Nur Fatihah Linawati Linawati Lismeri, Lia Lora purnamasari, Lora Lufri Lufri Lukmanul Hakim Lumenta, Vincent Gravie Ebenhaezer M, M. Syahrul M. ARDIANSYAH SYAM Maharani, Wury Marfiana, Andri Marnilin, Feni Marzelni, Marzelni Meldi Ade Kurnia yusri Merwati, Endang Etty Mohammad Djamil M. Nur Mombang, Mombang Muhammad Fadli MUHAMMAD HASBI Muhammad Ilham Muhammadi, Muhammadi Mujnisa, A Mulayadi, JMV Mulia Rahmah Muliana, Muliana Murni, Yeti Muslim, Rafli Efendi Mutiara Felicita Amsal Nana Suryana Nandi Haerudin Nasir, Dul Aris Nathaniel, Nathaniel NAUFAL, NAUFAL Nawasiah, Nana Nendra, Robby Celvin Nilda Tartilla Nofrian, Fendi Noor, Syaifullah Novesar Jamarun Novitasari, Shinta Novrianti Nugroho, Aris Setyanto Nurbety Nurdiani, Silvana Nurhasanah, Ami Nurmala Ahmar Oktaviani , Silvi Malvina Pertiwi, Ragil Elva Piliang, Hasrul Prasetyo Wibowo, Yudhi Puspita Romadhona Putra Daulay, Ade Putri, Anggun Radika Putri, Apriliana Putri, Desi Sandra Putri, Riska Nanda Rahayu, Thiyas Sri RAHMAT GUNAWAN Rahmayanti, Elsa Rahmi Pratiwi, Rahmi Rahmi Septia Sari, Rahmi Septia Rahmi, Ulfia Ramadani, Helsi Zulfan Ramadhano, Agung Ramdani, Safier Rasdanelwati, Rasdanelwati Recyalini, Viorin Rehani rehani Retna Sari Risthy, Nisa Meutia Rito, Rito Rizki Rizki S. Ferdinand Suwarji Sailendra Sailendra Sakinah, Fitri Sari, Lola Fitria Sari, Resti Elma Satya Adi Wicaksana Sawin, Sawin Sembiring, Rinawati seno sudarmono Hadi, seno sudarmono Septiarti, Wahyu Setya Rahayu Sheldiha, Duwanita Sigit Nur Dianto Simparmin br Ginting Simparmin Ginting Sobar, Agus Solfema Sonia Maifa Sri Mulatsih Sri Widyastuti Suhendra, Irwan Sulaksono, Sonny Supriyadi Supriyadi Suratno Suratno Suratno Suratno Suryanti Susi Karyawati Suyanto Suyanto Suyanto, Suyanto Syafitri, Shinta Syafril Syafril syailendra, syailendra SYAM, M. ARDIANSYAH Syukri, Alfi Tanjung, Rifqi Aulia Tina Kartini Tirto Prakoso Tri Widyastuti Tri Widyastuti Tsalits, Askhaarina Aulia Ulfah, Maulidani Wella Marsita Wempie Pakiding Wicaksana, Satya Adi Widiatmoko, Pramujo Wieldy Menanda Wieldy Menanda Wijaya, Agustinus Miranda Wina Endra Nitha Winda Wulandari Witjaksono, Ronny Bagus Wiwik Ekyastuti YAHYA . Yanieta Arbiastutie, Yanieta Yefriwati, Yefriwati Yessy Yanitasari Yudhi Lestanata Yudiana, Yudiana Yuli Darni Yuninda Rekka, Yuninda Rekka Puttri Yuningsih, Riana Yusuf Abdillah, Sulthon Zahratul Azizah Zelhendri, Zelhendri Zen, Zelhendri Zulfa Emalia Zulfirman, Rony Zuliarni Zuliarni Zulkifli Zulkifli Zuwirna, Zuwirna