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All Journal Journal of Business and Behavioural Entrepreneurship IJoASER (International Journal on Advanced Science, Education, and Religion) Jurnal Pemberdayaan Masyarakat Universitas Al Azhar Indonesia Jurnal Tecnoscienza International Journal of Engagement and Empowerment (IJE2) Indonesian Collaboration Journal of Community Services (ICJCS) Jurnal Al-Qiyam Jurnal Tana Mana Global Advances in Business Studies Eduvest - Journal of Universal Studies Jurnal Inovasi Global EMARA : Indonesian Journal of Architecture
MONICA DEWI
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Religion Aerospace Engineering Arts Humanities Astronomy Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Neuroscience Public Health Social Sciences Other

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The Effect of Road Damage on Road User Satisfaction (Case Study: Southern Ring Road, Tuban Regency) Atmaja, Domas Kurnia; Anggitasari, Inge; Dewi, Monica; Kusuma, Olvi Pamadya Utaya
Eduvest - Journal of Universal Studies Vol. 5 No. 11 (2025): Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/eduvest.v5i11.52429

Abstract

This study aims to analyze the effect of road damage levels on user satisfaction along the Ring Road / Southern Bypass in Tuban Regency. Poor road conditions—such as cracks, potholes, uneven patches, water puddles, and corrugated surfaces—can reduce comfort, safety, and travel speed. A quantitative approach was employed using a questionnaire containing ten statements: five measuring perceptions of road damage (variable X) and five measuring user satisfaction (variable Y). A total of 91 respondents were selected through purposive sampling among regular road users. Data were analyzed using validity testing, reliability testing, and simple linear regression. The validity test showed corrected item–total correlation values ranging from 0.608 to 0.854, all exceeding the r-table value of 0.207, indicating validity. The reliability test produced a Cronbach’s Alpha of 0.890 for variable X and 0.604 for variable Y, indicating acceptable internal consistency. Regression analysis yielded the equation Y = 29.115 – 0.715X + e, with a correlation coefficient R = 0.673 and a coefficient of determination R² = 0.453; the significance value p = 0.000 (<0.05) indicated a significant negative effect. The study highlights the importance of regular maintenance and prioritized repairs to improve road service quality and user satisfaction. The findings provide empirical evidence for policymaking in road maintenance budgeting, repair prioritization, public safety awareness, and periodic evaluation of maintenance programs.
Adaptasi Hunian di Dalam Kawasan Dengan Kebisingan Tinggi: case study: the settlement of Maleber Utara Street Dewi, Monica; Ekomadyo, Agus Suharjono
EMARA: Indonesian Journal of Architecture Vol. 6 No. 2 (2020): December 2020 ~ February 2021
Publisher : Universitas Islam Negeri Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29080/eija.v6i2.1110

Abstract

Settlement along Maleber Utara street is a unique case of settlement with a unique condition:it conjuncts with three known noise sources; road traffic, railway traffic, and air traffic. The ideal house is a house in a tranquil environment. Exposure to constant noise proofed could cause health and well-being problems. Hence, there must be some house adaptations to reduce the noise. This research aims to describe forms of adaptation that Jalan Maleber settlers did in response to high-noise environment situations. Thisresearchis a descriptivequalitative research conducted with interview and observation using therhythm analysis approach. Data werecollectedd by interview and observation, and Samples were chosen by the snowball sampling method. The result showed that noisy conditionsvarious responsesmade by Jalan Maleber Utara settlers. The invention of a new rhythm could achieve Eurhythmiaby every settler in handling noise source rhythm that tends to be a pathology. Even so, arrhythmia could not be avoided,and it could happen if there were no advance action in response to this condition. The intensity of the noise increases, in line with population and economic growth. This research gave a description and solution for noise conditionsin Jalan Maleber Utara Settlement
Mengenal Investasi Sejak Dini: Membangun Generasi Melek Investasi yang Cerdas dan Bijak Dewi, Monica; Wastuti, Wahyu; Krissanya, Nofriska; Yanti, Melda; Maharani, Nadine Prisila
Jurnal Pemberdayaan Masyarakat Universitas Al Azhar Indonesia Vol 8, No 1 (2025): Desember 2025
Publisher : Universitas Al Azhar Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36722/jpm.v8i1.4620

Abstract

Permasalahan utama yang dihadapi mitra, Al Ashriyyah Nurul Iman Islamic Boarding School di Parung, Kabupaten Bogor, adalah rendahnya tingkat literasi keuangan siswa, sebuah kondisi yang juga mencerminkan situasi nasional di mana generasi muda masih rentan terhadap praktik investasi ilegal. Untuk menjawab tantangan tersebut, program pengabdian masyarakat ini dilaksanakan dengan tujuan meningkatkan literasi keuangan dan pemahaman investasi sejak dini agar siswa mampu mengelola keuangan pribadi secara bijak serta mengenali risiko investasi bodong. Kegiatan diikuti oleh 30 siswa SMA melalui lima tahapan, yaitu sosialisasi literasi keuangan dasar, pelatihan interaktif manajemen keuangan dan investasi, simulasi stock game, investigasi sederhana terhadap investasi ilegal, serta pengenalan investasi berbasis syariah. Metode pelaksanaan dilakukan secara partisipatif dengan pemanfaatan teknologi digital dan pendampingan berkelanjutan. Hasil kegiatan menunjukkan adanya peningkatan signifikan pemahaman siswa, di mana rata-rata nilai pre-test 83 meningkat menjadi 92 pada post-test, atau naik 9 poin (+10,84%). Proporsi peserta dengan skor ≥90 juga naik dari 46,7% menjadi 76,7%. Selain peningkatan kognitif, kegiatan ini mendorong sikap lebih kritis terhadap tawaran investasi dan lahirnya inisiatif membentuk komunitas belajar investasi di sekolah. Dengan demikian, program ini berkontribusi pada pencapaian SDGs poin 4 tentang pendidikan berkualitas serta membentuk generasi muda yang cerdas, kritis, dan sesuai dengan prinsip keuangan Islam.Kata kunci: Investasi, Keuangan Digital, Manajemen Keuangan,  Perencanaan Keuangan 
Membangun Jiwa Wirausaha: Literasi Keuangan sebagai Kunci Sukses dalam Membuka Usaha Mandiri Berkelanjutan Wastuti, Wahyu; Dewi, Monica; Mahfirah, Titis Fatarina; Priyatna, Angella; Hajar, Atika Siti; Waheeda, Umi
Jurnal Pemberdayaan Masyarakat Universitas Al Azhar Indonesia Vol 8, No 1 (2025): Desember 2025
Publisher : Universitas Al Azhar Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36722/jpm.v8i1.4625

Abstract

Permasalahan utama mitra, yaitu Pondok Pesantren Al Ashriyyah Nurul Iman, adalah rendahnya pemahaman akuntansi dasar dan pencampuran keuangan pribadi dengan usaha, yang menghambat pengelolaan bisnis santri secara profesional. Kegiatan pengabdian kepada masyarakat ini bertujuan meningkatkan literasi keuangan dan keterampilan kewirausahaan santri melalui pelatihan pencatatan serta pelaporan keuangan berbasis teknologi. Kegiatan diikuti oleh 30 santri setingkat SMA. Metode pelaksanaan meliputi ceramah interaktif, diskusi, praktik penggunaan aplikasi spreadsheet (Microsoft Excel dan Google Sheets), serta evaluasi melalui Pretest dan Posttest. Tahapan kegiatan meliputi analisis kebutuhan, penyampaian materi literasi keuangan, pelatihan pencatatan transaksi, penyusunan anggaran usaha, hingga evaluasi hasil pembelajaran. Hasil kegiatan menunjukkan adanya peningkatan signifikan pada kompetensi peserta, dengan rata-rata nilai Pretest sekitar 65 meningkat menjadi 83 pada Posttest, atau terjadi peningkatan sekitar 18%. Santri menjadi lebih terampil dalam mencatat transaksi, menyusun laporan laba rugi, serta memisahkan keuangan pribadi dan usaha. Program ini juga menumbuhkan kesadaran pentingnya transparansi keuangan dan mendukung pencapaian Sustainable Development Goals (SDGs) pada aspek pendidikan berkualitas dan pertumbuhan ekonomi berkelanjutan. Kata kunci: Kewirausahaan, Literasi Keuangan, Pencatatan Akuntansi, Santri, SDGs
Cybersecurity risk awareness in mobile banking: evidence from Sabah, Malaysia Mohidin, Rosle; Lajuni , Nelson; Lestari, Rahayu; Wastuti, Wahyu; Budin , Dg Safrina Ag; Ogunkoya, Olufemi Adewale; Dewi, Monica; Muharam, Hari; Salmah
Global Advances in Business Studies Vol. 4 No. 2 (2025): Global Advances in Business Studies (GABS)
Publisher : Ifma Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55584/Gabs.004.02.2

Abstract

This study investigates how Sabahan perceive and respond to cybersecurity risks when using mobile banking. This study employed partial least squares structural equation modeling (PLS-SEM) and focused on four main factors: user awareness and behavior (UAB), mobile device security (MDS), banking app security features (BASF), and perceived cybersecurity threats (CT). A total of 350 questionnaires were distributed, and 286 valid responses were analyzed. The results indicate that UAB, MDS, and BASF all play a significant role in shaping cybersecurity risk awareness (CRA), while CT showed little to no direct effect. These findings suggest that improving user education and promoting secure practices are just as important as technical safeguards. In particular, enhancing digital literacy among less tech-savvy users, ensuring that security features are simple to use, and strengthening device protections can all help reduce risks of cybersecurity. The study concludes that a combination of user-focused education and stronger security standards is necessary to improve the overall safety of mobile banking services.
Financial Literacy as a Mediating Variable between Financial Behavior and Financial Inclusion: Evidence from Generation Z in Indonesia Dewi, Monica; Buchdadi, Agung Dharmawan Buchdadi; Mahfirah, Titis Fatarina; Wastuti, Wahyu
International Journal on Advanced Science, Education, and Religion Vol 8 No 2 (2025): IJoASER (International Journal on Advanced Science, Education)
Publisher : Sekolah Tinggi Agama Islam Al-Furqan, Makassar - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33648/ijoaser.v8i2.1079

Abstract

This study aims to examine the influence of financial behavior and financial literacy on financial inclusion in Generation Z in Indonesia, which is a productive age group and digital native. Although Gen Z has extensive access to digital financial technology and services, their financial literacy levels are still relatively low, affecting the quality of participation in the formal financial system. This study uses a quantitative approach with a survey method of 120 Gen Z respondents aged 18–24 years, which was analyzed using Structural Equation Modeling based on Partial Least Squares (SEM-PLS). The results showed that financial behavior had a positive and significant influence on financial inclusion (β = 0.410; p < 0.001), which means that the better their financial habits such as saving, budgeting, and managing debt, the higher their participation rate in formal financial services. In addition, financial literacy has also been shown to have a positive and significant effect on financial inclusion (β = 0.350; p < 0.001). Individuals with a strong understanding of financial products, risks, and decision-making tend to be more active and intelligent in using banking, fintech, and other financial instruments. These findings confirm that financial inclusion depends not only on physical access to financial services, but also on the quality of an individual's financial behavior and understanding. Therefore, increasing financial literacy and forming healthy financial behaviors is an important strategy in encouraging sustainable financial inclusion among the younger generation
Co-Authors Agung Dharmawan Buchdadi Agus Suharjono Ekomadyo Anggitasari, Inge Atmaja, Domas Kurnia Az-Zahra, Ridya Buchdadi, Agung Dharmawan Buchdadi Budin , Dg Safrina Ag Cedaryana, Cedaryana Danapati, Muhammad Ridho Dewi Susita Effendi, Mohammad Sofwan Hajar, Atika Siti Hamidah . Heryana, Toni Janah, Ika Miftahul Krissanya , Nofriska Krissanya, Nofriska Kristiantoro, Bayu Ari Kusuma, Olvi Pamadya Utaya Lajuni , Nelson Maharani, Nadine Prisila Mahfirah, Titis Fatarina Maylia Pramono Sari Melda Yanti Mohidin, Rosle Muharam, Hari Muti, Adelfince Ogunkoya, Olufemi Adewale Perwito, Putri Galuh Mustiko Priyatna, Angella Purwana E.S., Dedi Putri, Nazwanda Junika Rahayu Lestari Ratih Indriyani Rd. Tuty Sariwulan Salmah Sari, Inge Anggita Setyawan, Rahmat Dika Suherman, Suherman Susilowati Umi Widyastuti Usep Suhud Waheeda, Umi Wastuti, Wahyu Widya Parimita, Widya