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Fitriyah Fitriyah
Jurusan Teknik Lingkungan Universitas Banten Jaya, Jl.Ciwaru II No.73 Serang-Banten, Indonesia
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Financial Behavior, Inclusion, and Technology in MSMEs: The Mediating Impact of Financial Literacy on Performance Ali Sugih, Frasendi; Fitriyah, Fitriyah
Jurnal Riset Akuntansi dan Keuangan Vol 12, No 3 (2024): Jurnal Riset Akuntansi dan Keuangan. Desember 2024 [DOAJ dan SINTA Indexed]
Publisher : Program Studi Akuntansi FPEB UPI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/jrak.v12i3.76010

Abstract

     The purpose of this study was to determine the impact of financial behavior, financial inclusion, and financial technology on MSME performance with financial literacy as a mediating variable. The research population included all micro, small, and medium enterprises (MSMEs) located in Ciamis Regency, and the sample was drawn using a random sampling technique. A total of 106 respondents participated; this number was determined by applying Slovin's formula. Information was collected using a questionnaire, which was then processed and analyzed using Partial Least Squares (PLS). The results show that financial behavior has a positive impact on MSME performance, financial inclusion has no significant impact on MSME performance, financial technology has no impact on MSME performance, and financial literacy has a positive impact on MSME performance, financial literacy acts as an intermediary between financial behavior and MSME performance, financial literacy mediates the relationship between financial inclusion and MSME performance, and financial literacy does not mediate the relationship between financial technology and MSME performance. Recommendations for government agencies and financial institutions include providing well-structured financial literacy programs and assisting MSMEs in implementing financial technology. This approach is intended to increase MSMEs' access to financial services as well as their capacity for sustainable growth by equipping them with the knowledge and skills to effectively utilize these resources in their day-to-day business activities.    
PENGELOLAAN MODAL USAHA UNTUK UMKM GADING BERSINAR DEPOK Risthi, Alyssa; Fitriyah, Fitriyah; Silviyani, Yuli Anita
PORTAL RISET DAN INOVASI PENGABDIAN MASYARAKAT Vol. 3 No. 1 (2023): DECEMBER
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/prima.v3i1.1062

Abstract

Business capital management is one of the main factors that affect productivity in obtaining planned results or outputs. Every MSME must develop its competitive advantage to survive and advance its MSMEs. The level of effectiveness of the use of business capital is very important for the growth and sustainability of MSMEs. If MSMEs lack business capital to expand sales and increase production, they are likely to lose revenue and profits. The size of a capital depends on the type of business it is running, and generally the community recognizes the types of micro, small, medium and large businesses, where each of these types of businesses requires different capital and within certain limits. Every MSME has a main objective, namely MSMEs have the aim of obtaining maximum profit. Therefore, business capital must be managed as effectively as possible so that the profitability of MSMEs can be increased. This PKM activity was carried out for Gading Bersinar Depok MSME players. The existence of this PKM activity is expected that MSME players can find out the development of their business and can manage business capital to support the progress of MSMEs in Gading Bersinar Depok
THE INFLUENCE OF FINANCIAL LITERACY, FINANCIAL SELF-EFFICACY, AND SELF-CONTROL ON RISKY CREDIT BEHAVIOR OF PAYLATER USERS (Study on State University Students in Malang City) Yoga Pratama , Dimas; Fitriyah, Fitriyah
JURNAL EKBIS Vol 25 No 1 (2024): EKBIS (Jurnal Analisis, Prediksi dan Informasi
Publisher : Universitas Islam Lamongan

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

Abstract

This study aims to find empirical evidence of the effect of financial literacy, financial self-efficacy, and self-control on risky credit behavior. Because risky credit behavior can cause serious financial difficulties if a person cannot meet their debt payment obligations which have a long-term impact on credit reputation and make it difficult to get loans in the future. The population used was public university students in Malang city. The sample was selected using purposive sampling method with a total of 250. The study used multiple linear regression testing models tested with the help of SmartPLS 4.0. The results of this study indicate that financial literacy has no effect on risky credit behavior while financial self-efficacy and self-control have a positive and significant effect on risky credit behavior.
STEREOTYPICAL BARBIE ARCHETYPAL ROLE IN NAVIGATING THE STORYLINE OF “BARBIE” (2023) BY GRETA GERWIG Fitriyah, Fitriyah; Anindya, Farah Diva
Elite : English and Literature Journal Vol 11 No 2 (2024): December : Literature
Publisher : UIN Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/elite.v11i2.50999

Abstract

The Barbie (2023) film has succeeded in presenting more than just a light spectacle about the iconic doll. Behind the bright colors and seemingly perfect atmosphere of Barbie Land, this film explores profound themes, including identity, gender roles, feminism, and social criticism of society's expectations of women. The archetypal character of Stereotypical Barbie, as the main character, plays a vital role in this film as a representation of the perfect woman in Barbie Land. This study aims to analyze the psychological factors in Barbie's journey that may interfere with or support her. This is reflected in several patterns called archetypes in her personality traits and behavior when facing several stages of the storyline. The data for this study used the film "Barbie" (2023) by Greta Gerwig. The research method used is qualitative descriptive, using a psychoanalytic approach (Jung's Archetype theory). The results found seven archetypal characters represented by Stereotypical Barbie. The findings are Persona, Shadow, Animus, The Great Mother, Hero, Trickster, and Self. These findings will help us understand how the psychological layers in Barbie's story reveal complex dynamics about women's roles, identity crises, and the search for self.
Connotative Meaning in “Do Not Stand at My Grave and Weep” Poem by Mary Elizabeth Frye Syazwina, Alika; Sitompul, Jui Fasco Rini; Fitriyah, Fitriyah
Modality Journal: International Journal of Linguistics and Literature Vol. 4 No. 2 (2024): December 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/mj.v4i2.8801

Abstract

Connotative meaning refers to the additional meanings associated with a word beyond its literal definition, often carrying positive or negative values. This research aims to analyze the connotative, or hidden, meanings in the poem “Do Not Stand at My Grave and Weep” by Mary Elizabeth Frye. The study employs a qualitative research method to analyze the data. It utilizes Leech's theory to explore the connotative meanings within the poem. Each phrase and couplet in “Do Not Stand at My Grave and Weep” was categorized based on its connotative meaning, and the specific aspects of each connotative word were identified. Following the analysis, the researchers provided explanations for the data and drew conclusions based on their findings. As a result, 12 distinct connotative meanings were discovered in this poem. In conclusion, connotative meaning differs from literal meaning found in a dictionary, and it can sometimes be more challenging to decipher the hidden significance behind it. AbstrakMakna konotatif merujuk pada makna tambahan yang dikaitkan dengan sebuah kata di luar definisi literalnya, yang sering kali membawa nilai positif atau negatif. Penelitian ini bertujuan untuk menganalisis makna konotatif, atau makna tersembunyi, dalam puisi "Do Not Stand at My Grave and Weep" oleh Mary Elizabeth Frye. Penelitian ini menggunakan metode penelitian kualitatif untuk menganalisis data. Penelitian ini memanfaatkan teori Leech untuk mengeksplorasi makna konotatif dalam puisi tersebut. Setiap frasa dan bait dalam "Do Not Stand at My Grave and Weep" dikategorikan berdasarkan makna konotatifnya, dan aspek spesifik dari setiap kata konotatif diidentifikasi. Setelah analisis, para peneliti memberikan penjelasan untuk data dan menarik kesimpulan berdasarkan temuan mereka. Hasilnya, 12 makna konotatif yang berbeda ditemukan dalam puisi ini. Sebagai kesimpulan, makna konotatif berbeda dari makna literal yang ditemukan dalam kamus, dan terkadang lebih sulit untuk menguraikan makna tersembunyi di baliknya.Kata Kunci: Puisi, Konotatif, Denotatif
KELIMPAHAN DAN TIPE MIKROPLASTIK PADA IKAN TONGKOL LISONG (Auxis rochei) DI MUARA TELUK PRIGI KABUPATEN TRENGGALEK JAWA TIMUR Trivantira, Nindia Sukma; Fitriyah, Fitriyah
Edumedia : Jurnal Keguruan dan Ilmu Pendidikan Vol 8 No 1 (2024): Edumedia: Jurnal Keguruan dan Ilmu Pendidikan
Publisher : Universitas Kapuas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51826/edumedia.v8i1.1094

Abstract

Penelitian ini bertujuan untuk mengetahui kelimpahan dan tipe mikroplastik pada saluran pencernaan ikan tongkol lisong (Auxis rochei) di kawasan Muara Teluk Prigi Kabupaten Trenggalek Provinsi Jawa Timur. Penelitian ini menggunakan metode purposive sampling dengan dua kali ulangan. Sampel ikan dipreparasi dengan menambahkan larutan H₂O₂ 30% dan Fe(II) 0,05 M, kemudian dilakukan proses flotasi dengan NaCl 0,9% dan diidentifikasi menggunakan mikroskop stereo perbesaran 40×. Hasil penelitian menunjukkan adanya potensi cemaran mikroplastik pada saluran pencernaan ikan tongkol lisong yang diperoleh dari Kawasan Muara Teluk Prigi dengan tipe fragmen, film dan fiber. Total kelimpahan mikroplastik memiliki nilai sebesar 14,33 partikel dengan tipe paling banyak adalah fiber.
Analisis Pengaruh Pemberian Kredit Usaha Rakyat (KUR) PT Pegadaian terhadap Peningkatan Pendapatan Nasabah Fahrudin, Fahrudin; Qomariyah, Nurul Ulfa; Febriana, Indah Karima; Fitriyah, Fitriyah
AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis Vol. 5 No. 1 (2025): AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis
Publisher : Perhimpunan Sarjana Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/jmeb.v5i1.1194

Abstract

This study analyzes the impact of the Credit for People’s Business (KUR) provided by PT Pegadaian on increasing the income of micro, small, and medium enterprises (MSMEs). KUR aims to provide working capital with low-interest rates to improve the welfare of customers. The study aims to identify the effects of KUR on customers' income, the factors supporting and hindering the effectiveness of the program, and the income differences before and after receiving KUR. The research uses a qualitative approach with a descriptive design, collecting data through observation, interviews, and documentation with purposive sampling technique. The results show that KUR has increased customers' income by 20-40%. The funds are used to expand business scale and reach broader markets. Key supporting factors include low interest rates and ease of access, while main challenges include low financial literacy and limited access in remote areas. The study concludes that KUR effectively increases income, but improvements in financial literacy and infrastructure are needed for broader impact.
Linking Islamic Financial Literacy and MSMEs Performance: A Comprehensive Review Fitriyah, Fitriyah; Winarno, Agung; Pratikto, Heri
International Journal of Economics, Business and Innovation Research Vol. 3 No. 06 (2024): International Journal of Economics, Business and Innovation Research (IJEBIR)
Publisher : Cita konsultindo

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

Abstract

This study aims to explore the role of Islamic financial literacy in improving MSME business performance through a systematic literature review approach. Islamic financial literacy is considered increasingly relevant in the context of Muslim-majority countries, especially in supporting sharia-compliant financial decision-making, such as avoiding usury and using profit-sharing-based financing. Based on a literature analysis of various scientific articles, this study found that Islamic financial literacy can have a positive impact on MSMEs' business performance, profitability and innovation. In addition, this study also identifies research gaps related to moderating factors, such as religiosity, financial inclusion and business scale that affect the effectiveness of Islamic financial literacy. The results of this study are expected to contribute to academics, practitioners and policy makers in designing strategies to improve Islamic financial literacy more effectively to support MSME business performance
Determinants of Generation Z Green Investment Interest: The Role of Social Media Platforms as Moderating Variables Nilasari, Priyanti Dewi; Fitriyah, Fitriyah
Indonesian Journal of Social and Environmental Issues (IJSEI) Vol. 5 No. 3 (2024): December
Publisher : CV. Literasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47540/ijsei.v5i3.1736

Abstract

Green investment interest is a response to increasing greenhouse gas emissions that have the potential to damage the sustainability of life on Earth. This study aims to analyze elements that can increase Generation Z's green investment interest in Malang City, with social media platforms as moderating variables. The study used quantitative methods with Cochran's Formula technique to identify a subset of 100 respondents from Within the study from four state universities in Malang City. Structural Equation Modeling-Partial Least Square is the test tool used in this study The significance between independent variables on green investment interest in Generation Z in Malang City was estimated through WrapPLS 7.0 software. The results showed that attitude, behavioral control, and green investment knowledge significantly positively affect green investment interest, while subjective norms are not positively insignificant to Generation Z's green investment interest. Social media platforms strengthen the relationship between attitude and knowledge of green investment interest.  However, Generation Z's green investment interest in Malang City, which is influenced by subjective norms and behavioral control, cannot be strengthened by the existence of social media platforms.
A Semiotic Analysis of Sign Found in GOJEK Advertisement ‘Jangan Sepelekan Kekuatan Jempol’ Intan Aulia Rahman, Ajie; Astuti, Asri; Khoirunisa, Eva; Fitriyah, Fitriyah; Azzahrani, Marsya; Sakinah, Mutiara
Journal of Multidisciplinary Inquiry in Science, Technology and Educational Research Vol. 2 No. 1b (2025): NOVEMBER 2024 - JANUARI 2025 (TAMBAHAN)
Publisher : UNIVERSITAS SERAMBI MEKKAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32672/mister.v2i1b.2795

Abstract

This research analyzes the denotation, connotation, and myth present in GoJek advertisements through the lens of Roland Barthes' semiotic theory. Employing a qualitative descriptive methodology, the study interprets the imagery within the GoJek advertisement video. The analysis adheres to the data flow model by Miles and Huberman (1994), which encompasses data reduction, display, and conclusion formulation. The results indicate that the thumb serves as a central symbol in the GoJek advertisements. On a denotative level, it signifies physical actions like using a smartphone, wiping tears, counting money, and utilizing the GoJek application. On a connotative level, the thumb is linked to themes of empowerment, efficiency, social connectivity, and resilience. The research further uncovers various myths associated with the thumb symbol, including narratives about modernity, progress, individual potential, and the impact of small actions on communal well-being. By utilizing Barthes’ semiotic framework, this study emphasizes how GoJek advertisements leverage visual signs to convey persuasive messages that resonate with the intended audience within their cultural and social context.
Co-Authors A., Alif Arsyad Adityo Wibowo, Adityo Afrianti, Tri Dessy Agung Winarno Agus Afandi Ahmad, Ribchi Kamelia aida fitria Akbari, Tauny Ali Sugih, Frasendi Alif S., Reza Muhammad Amin Pujiati Anggraeni, Novia Anindya, Farah Diva Aprilia, Yuva Dwi Ardiyansyah, Ahmad Arianti, Novi Arief Noviarakhman Zagladi Arifin, Moh. Zainal Arifin, Oki Ariyandhi, Muhamad Andy Arpan, Atika Arrohmah, Robiatus Sholichah Arrohmah, Robiatush Sholichah Arya Muharsyah, Shafa Astuti, Asri Aulia Rahma Annisa Azka, Laisa Azzahrani, Marsya B., Muhammad Agung Badawi, Badawi Baetoni, Moh Alfan Bagus Shandy Narmaditya Bakar, Muhammad S. Abu Bambang Subali Bisri, Moh Budi Setiyono Buyung Syukron, Buyung Cahyani, Zahra Dwi Citra Putri Subhi, Citra Putri Dedi Irwansyah Desriyanti, Desriyanti Diantoro, Aris Kusumo Didik Wahyudi DSP, Putriana Dwi Anggraini Dwi Handoko Dwirani, Fitri Dyah Ayu Sri Hartanti Eka Wahyu Damayanti Eldi Putra, Fiqry Fahrudin Fahrudin Farida Rahmawati Farihi, Ahmad Fatma, Nur Aida Febriana, Agata Terra Febriana, Indah Karima Febriyanto, Ricky FERDIAWATI, FITRI Fitria, Fella Nur Frans Setiawan, Frans Gigih Hilmiawan Gultom, Bontor Jumaylinda Br Guntur Kusuma Wardana Gusti Wahyu, Pratiwi Habiburrhaman, Muhammad Ihsan Haeriyah, Haeriyah Hakim Alhaady Juhana, Hakim Alhaady Hardiansyah, Sandi Hendri Purnomo Heri Pratikto Herlin Widasiwi Setianingrum Hilda Aqua Kusuma Wardhani Husniyah , Nahdliyatul Ibtisam, Afina Anjani Ifdil Ifdil Ike Lusi Meilina Ilhamy, Nabila Fara Imadduddin Imam Ghozali Imam Mukhlis Imron Fauzi INDAWATI, DEVI Indivia, Imey Tamara Indriani, Novita Infianto, Andreas Intan Aulia Rahman, Ajie Iswandi Iswandi Jelanti, Desi Kartika, Ni Made Ayu Windu Kevin Setiawan Khodijah, Ina Khoirunisa, Eva Khotimah, Khosnol Kushandajani . Kusumajati, Pusparini Laila Kholid Alfirdaus Lase, Rosmawati Lestari, Puja Lilis karlina, Lilis Linta Wafdan Hidayah, Linta Wafdan Listiandoko, Raden Dicky Wirawan Luana Devi, Amalia Tery Lubis, Mia Aulina Lubna Nur Hanifah, Zaqiyah Lukmanul Hakim Lukmanul Hakim Maharani, Arvina Septa Mahmud, Kendid Mardian, Fahmi Mardiana Mardiana Marissa, Sahda Marjiansa, Aris Mashudi Mashudi Maulana, Zacky Meidasari, Reski Mizola Revanza, Mario Moh. Rifqi Rahman Mohammad Alvin Nur Rohman Morfi, Chicy Widya Muftiyah, Al Muhammad Asmuni Hasyim Muhammad Japar Muhammad Khairul Rijal Muhammad Muhammad Muhammad Saefi Muhtar Muhtar Mukminatin, Zakia Nur Mulyani, Mirna Mulyo, Budi Mukhamad Munasib, Najat Munawaroh Munawaroh mungin eddy wibowo, mungin eddy Mutoharoh, Mutoharoh N., Bella Risky Najimah, Nur Nalim Nalim Neneng Hasanah Nerisa Agnesia Widiyanto, Nerisa Agnesia Nilasari, Priyanti Dewi Ningrum, Dian Setya Nur Hidayat Sardini Nurazizah, Windi Nurhayati Nurhayati Nurika Restuningdiah Octa Pratama Putra Perdiansyah, Nanda Kurnia Permata, Rizka Phusunti, Neeranuch Poernomo, R. Wahjoe Prameswari, Anggita Prasetya, Aditya Prastika, Ayu Dwi Pratama, Arianda Pratama, Hendy Emilia Pratiwi, Nurna Prazadhea, Agha Afiq Puji Handayati Puspaningtiyas, Itetasari Putra, Anggelus Putri, Cindy Asa Putri, Fensy Rania Putri, Rizky Amelia Qomariyah, Nurul Ulfa R., Isma Salsabila R., Qurotul A’yun Rahmadani, Okta Dewi Tryshita Ramadhani, Anggia Noor Rismawati, Rizka Risthi, Alyssa Rizki Putra Sanjaya Ruri Siti Resmisari Rusmalina, Euis S., Aprilia Erlinda S., Widhi Ayu Sa'adah, Rizka Fadilla Naila Sa'adah, Siti Malihatus safitri, Mayshia Sakinah, Mutiara Salsabila, Fairuz Fasyah Saputra, Aswin Saputra, Muhammad Ryan Saputra, Tetra Arya Sari, Desmala Sari, Intan Rahma Satia Nur Maharani Sa’adah, Siti Malihatus Seftiani, Mustika Ayu Senen Senen Septyani, Fitria Setiadi Cahyono Putro Sidauruk, Juniato Silviyani, Yuli Anita Siswanto, Husna Malikatus Siti Mahtumah Sitompul, Jui Fasco Rini Situmorang, Dominikus David Biondi Soemarwoto, Retno Ariza Sofa, Natilatus SRI ASTUTIK Sri Buwono . Sri Minarti Sri Minarti Suci Handayani, Suci Sudarti Sudarti Sufi Alawiyah Sufiah, Dwi Nur Rahma Sugeng, Andry Sukarti Sukarti Sumpono, Imam Suroso, Aisyah Ahzahra Suseno, Nugroho Noto Suwignyo . Suyono Suyono Syailendra, Aricha Maharani Syarif Hidayat Syazili Mustofa Syazwina, Alika Sylvia, Sylvia Tahun, Omega DR Titian Adi, Wiruma Trivantira, Nindia Sukma Triyanna Widiyaningtyas Ulya, Luluk Fathnatul Umi Nadhiroh Verawaty, Een Veny Wardhana, Rakha Gusti Wardhani, Ika Desy Widiyati, Dian Wijaya, M. Achsan Hari Wildan, Giazmara Galih Y., Muhamad Andika Yayuk Sri Rahayu Yoga Pratama , Dimas Yulia Hairina Yulianti, Sri Ratih Yuliantini, Nur Fajria Yuniawan, Adinda Z., Eva Rahmania Z.R, Hirdha Nurfarini. Zairin Zain Zavira, Hanindia Zulhadi, Zulhadi