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Enhancing the Digital Literacy of Bank NTT Customers in Protecting Personal Data Against Cybercrime Threats Susilawati, Made; Long, Maria Lodika
Economics, Business, Accounting & Society Review Vol. 4 No. 3 (2025): Economics, Business, Accounting & Society Review
Publisher : International Ecsis Association

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55980/ebasr.v4i3.295

Abstract

The growth of digital banking has reshaped customer interactions with financial institutions, offering greater convenience yet simultaneously exposing users to new forms of cyber risk. This research explores how digital literacy, perceived ease of use, and digital literacy education influence customers’ awareness of personal data protection, while also identifying effective approaches to strengthen cybersecurity awareness among Bank NTT’s clients. A mixed-method design was employed, combining quantitative surveys with in-depth qualitative interviews to capture both measurable patterns and contextual insights. Statistical analyses, including reliability, correlation, and multiple regression tests, were complemented by thematic analysis of interview data to reveal behavioral tendencies and cognitive perceptions related to digital safety. The findings highlight that higher levels of digital literacy substantially enhance customers’ understanding and awareness of data security. Moreover, perceptions of ease and usefulness of digital banking services, along with consistent digital literacy education, foster more preventive and responsible online behaviors. Experiences of or exposure to cybercrime incidents were also found to strengthen customers’ motivation to safeguard their personal information. Overall, this study emphasizes that building cybersecurity awareness in the banking sector requires continuous digital education, user-oriented service innovation, and practical learning experiences to cultivate a culture of data protection and trust in digital financial ecosystems.
Model Regresi Nonparametrik Spline Truncated Pada Angka Kematian Bayi di Provinsi Nusa Tenggara Timur Pulo, Miltiades Dewifortuna; Suciptawati, Ni Luh Putu; Susilawati, Made
JURNAL RISET RUMPUN MATEMATIKA DAN ILMU PENGETAHUAN ALAM Vol. 4 No. 3 (2025): Desember : JURRIMIPA: Jurnal Riset Rumpun Matematika dan Ilmu Pengetahuan Alam
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurrimipa.v4i3.7555

Abstract

This study aims to model the Infant Mortality Rate (IMR) in East Nusa Tenggara Province using truncated spline nonparametric regression. In this study, IMR is associated with four predictor variables: the percentage of poor people, the percentage of pregnant women under 19 years of age, low birth weight, and life expectancy. These four variables have an unpatterned relationship, indicating the presence of a nonparametric component in the model. The truncated spline regression method was chosen because of its ability to handle nonlinear relationships between variables. The results showed that the best model was obtained using three knot points, which produced a coefficient of determination (R²) of 97.47%. This indicates that the truncated spline regression model is able to explain 97.47% of the variation in IMR in East Nusa Tenggara Province. In addition, the four predictor variables have a significant influence on the model, making a significant contribution in explaining the factors that influence IMR in the region.
PERAMALAN PENGGUNAAN LISTRIK DI PROVINSI BALI MENGGUNAKAN METODE ARIMA I GEDE GANA ARIAWAN; I WAYAN SUMARJAYA; MADE SUSILAWATI
E-Jurnal Matematika Vol. 14 No. 3 (2025)
Publisher : Mathematics Department, Faculty of Mathematics and Natural Sciences, Udayana University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/MTK.2025.v14.i03.p487

Abstract

This study aims to forecast electricity consumption in the Province of Bali using the ARIMA (Autoregressive Integrated Moving Average) method. The forecasting process is based on monthly electricity usage data spanning from January 2015 to June 2024. The initial analysis revealed a significant upward trend, with a notable decline in usage during 2020, coinciding with the COVID-19 pandemic. To address the issue of non-stationarity in the data, a differencing process was applied until stationarity was achieved, as confirmed by the Augmented Dickey-Fuller (ADF) test. Model identification was conducted using ACF and PACF plots, and several ARIMA models were evaluated based on their Akaike Information Criterion (AIC) values. The ARIMA(0,1,1) model was selected as the most suitable model due to its lowest AIC value and its compliance with diagnostic assumptions, including uncorrelated residuals (verified by the Ljung-Box test) and normally distributed residuals (confirmed by the Shapiro-Wilk test). The forecasting results demonstrated that the selected model provides stable predictions for the subsequent 12 months. This study is expected to contribute to effective planning and management of electricity demand in the Bali region.
Regresi Logistik Multinomial terhadap Faktor Pemanfaatan Jaminan Kesehatan Pasien Rawat Jalan Provinsi Bali 2023 Ni Luh Gede Arun Dayanti Purwa; Made Susilawati; IPW Gautama; Ni Luh Putu Suciptawati; Eka N Kencana; Ketut Jayanegara
Journal Scientific of Mandalika (JSM) e-ISSN 2745-5955 | p-ISSN 2809-0543 Vol. 6 No. 12 (2025)
Publisher : Institut Penelitian dan Pengembangan Mandalika Indonesia (IP2MI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/10.36312/vol6iss12pp4450-4460

Abstract

Public health is one of the indicators used to measure a country's level of welfare. In the 2020–2024 National Medium-Term Development Plan (RPJMN), the government targets Universal Health Coverage (UHC) through health insurance programs. The utilization of health insurance can be influenced by various individual characteristics. This study aims to analyze the factors influencing the utilization of health insurance during outpatient care in Bali Province, using data from the March 2023 Susenas survey. In this study, a multinomial logistic regression model was used, with the dependent variable categorized into not using, BPJS PBI, and BPJS non-PBI. The independent variables analyzed include age, gender, marital status, education level, employment status, regional typology, and outpatient visit frequency. The analysis results showed that the model's accuracy was 61.63%, with significant variables including age, marital status, education level, employment status, regional typology, and frequency of outpatient care. These findings indicate that individual characteristics play a significant role in determining the utilization and type of health insurance used.
Pemodelan Angka Kemiskinan dengan Geographically Weighted Panel Regression (GWPR) di Provinsi Aceh Gusti Ayu Ariska Citra Dewi; Ni Luh Putu Suciptawati; Made Susilawati
Jurnal Matematika Vol. 15 No. 2 (2025)
Publisher : Mathematics Study Program, Faculty of Mathematics and Natural Science, Udayana University Gedung UKM, Ruang UKM 8 Lt 1, Kampus Bukit Jimbaran, Badung-Bali.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/JMAT.2025.v15.i02.p192

Abstract

Aceh Province is one of the provinces in Indonesia that still faces poverty problems. Aceh prov-ince occupies first position with the highest percentage of poor people for the island of Suma-tra. This indicates that there are still weaknesses in the programs and policies implemented by the Aceh provincial government in alleviating poverty. Observations related to this are needed to find out the factors that influence the problem of poverty along with repeated observations so that we can observe changes in the percentage of poor people that occur from year to year. One regression analysis that can be used to model this problem is geographically weighted panel regression (GWPR). This research aims to model the poverty rate and determine the var-iables that significantly influence the poverty rate in districts/cities in Aceh Province. Predictor variables that are thought to influence poverty in this study include life expectancy, per capita expenditure, gini ratio, open unemployment rate, and average years of schooling. The selection of the best model is shown through the coefficient of determination value. Based on the analysis results, the largest coefficient value was obtained in the GWPR model with 78.6% compared to the FEM panel data regression model with 73.4%.
ANALISIS RASIO KEUANGAN UNTUK MENILAI KINERJA KEUANGAN PERUSAHAAN DAERAH AIR MINUM KABUPATEN KUPANG Hege, Marselinda; Jagi, Kretisana; Atto, Aplonia; Susilawati, Made; Selan, Dwi Dersmi
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 12 No. 2 (2023): Jurnal Maneksi (Management Ekonomi Dan Akuntansi)
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jm.v12i2.1471

Abstract

The purpose of this study was to find out and analyze the Financial Performance of Regional Drinking Water Companies in Kupang Regency in terms of financial ratios (liquidity ratios, solvency ratios, activity ratios, profitability ratios) for 2018 – 2020. The data needed in this study are financial reports. The data collection techniques used are documentation and interviews. The data analysis technique used is financial ratio analysis based on the Decree of the Minister of Home Affairs Number 47 of 1999. Financial performance is assessed on a rating ratio scale of 1 (not good) to 5 (very good). The results of this study indicate that the Liquidity Ratio used, namely the current ratio, is included in the classification of very good. Depreciation expense on principal and interest installments is classified as very good. The activity ratio consists of the time period for collection of accounts receivable which is included in the poor classification, the ratio of earning assets to sales is included in the very good classification, the effectiveness ratio for collecting receivables is included in the very good classification. Finally, the Profitability Ratio from 2018 to 2020 has fluctuated. Overall, the financial performance of PDAM Kabupaten Kupang is classified as unfavorable. Implication: To improve financial performance, companies need to increase working capital which has an impact on operating profit. Furthermore, the Company can use productive assets to generate sales
Pemodelan Kasus Penyakit Difteri dI Provinsi Jawa Timur Menggunakan Pendekatan Regresi Spasial Ni Luh Putu Suciptawati; Made Susilawati; Hellena Hendarta
MAJAMATH: Jurnal Matematika dan Pendidikan Matematika Vol. 7 No. 1 (2024): Vol 7 No 1 Maret 2024
Publisher : Prodi Pendidikan matematika Universitas Islam Majapahit (UNIM), Mojokerto, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36815/majamath.v7i1.2857

Abstract

Diphtheria is a disease that is easily transmitted, caused by a bacterium called Corynebacterium Diphtheria which attacks the respiratory tract so that sufferers experience difficulty breathing and can cause death. This research aims to model the factors method which is suspected of influencing diphtheria cases in East Java Province using spatial regression The data used is secondary data obtained from publications East Java Province Health Profile 2018 and publications from the Central Agency East Java Statistics (BPS). The results showed that the best model obtained was Spatial Error Model (SEM) with AIC=286,16 dan R2=55,98%. Variabels that significantly influence diphtheria in East Java province in 2018 are: population aged 10 years and over with junior high school education, the number of DPT-HB immunizations, and the percentage of poor people
METODE REGRESI MULTILEVEL UNTUK MENGIDENTIFIKASI FAKTOR-FAKTOR LAMA MASA STUDI MAHASISWA FMIPA UNIVERSITAS UDAYANA DEWA AYU MADE SRI WIJAYATI UTAMI; MADE SUSILAWATI; I KOMANG GDE SUKARSA
E-Jurnal Matematika Vol. 15 No. 1 (2026)
Publisher : Mathematics Department, Faculty of Mathematics and Natural Sciences, Udayana University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/MTK.2026.v15.i01.p497

Abstract

Hierarchical data is data that has a multilevel structure, where individuals belong to certain groups and variables are measured at different levels. Analysis of hierarchical data without considering group membership may result in bias due to violation of the independence assumption. Multilevel regression analysis is a statistical method to overcome this problem by modeling the data structure at several levels. This study aims to apply three-level multilevel regression analysis to identify factors that affect the study duration of undergraduate students at FMIPA Udayana University. In this data structure, students are at the first level, grouped into classes at the second level, and the classes are in study programs at the third level. The model uses random intercepts as well as exploring random slopes to assess differences in the influence of independent variables between study programs.
PEMODELAN REGRESI DATA PANEL PADA POLA KEMISKINAN: STUDI KASUS KABUPATEN/KOTA DI PROVINSI BALI NI KADEK NITA PRATIWI; GUSTI PUTU RADHA MAHARANI; MADE SUSILAWATI; DESAK PUTU EKA NILAKUSMAWATI
E-Jurnal Matematika Vol. 15 No. 3 (2026)
Publisher : Mathematics Department, Faculty of Mathematics and Natural Sciences, Udayana University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/MTK.2026.v15.i03.p522

Abstract

Poverty remains one of the key indicators of development success and continues to challenge in Bali Province. This study combines panel data regression with comprehensive diagnostic testing and spatial analysis using Local Indicators of Spatial Association (LISA) to examine the determinants of the Poverty Rate (PR) across nine regencies/cities in Bali Province, using 72 observations from 2017–2024. Independent variables include economic growth (EG), unemployment rate (UR), district/city minimum wage in natural logarithm form ( ), and average years of schooling (AYS). Three panel data approaches were estimated, namely the Common Effect Model (CEM), Fixed Effect Model (FEM), and Random Effect Model (REM). Based on the Chow and Hausman tests, FEM was selected as the best model. Diagnostic tests revealed autocorrelation and cross-sectional dependence, so inference relied on Arellano robust standard errors. The results show that minimum wage and average years of schooling significantly reduce poverty, while economic growth and unemployment rate are not significant. LISA analysis identified a significant Low-Low cluster in Denpasar, reflecting spatial spillover in southern Bali. These findings highlight minimum wage policy, education access, and place-based regional strategies as key instruments for poverty reduction.
Memodelkan Pertumbuhan Ekonomi Pada Pandemi Covid-19 Di Indonesia Ni Kadek Puspa Adi Swari; Ni Luh Putu Suciptawati; Made Susilawati
Media Informasi Penelitian Kabupaten Semarang Vol. 5 No. 2 (2023): Desember: Media Informasi Penelitian Kabupaten Semarang
Publisher : Badan Perencanaan Pembangunan, Riset dan Inovasi Daerah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/sinov.v5i2.708

Abstract

The Covid-19 pandemic has a huge impact on economic aspects, one of which is economic growth. BPS Indonesia noted that in February 2021 Indonesia's economic growth contracted by 2.19% which could lead to an economic recession so it must be overcome by recognizing the factors that influence it. The economic growth of a region can also be influenced by the economic growth of other regions.  Modeling the economic growth of each province in Indonesia needs to incorporate spatial effects into it. The purpose of this study is to model the factors that are thought to affect Indonesia's economic growth in the covid-19 pandemic using spatial regression analysis. The factors used are government consumption, domestic investment, exports, and public consumption. The results showed that the SAR model produced a smaller AIC value with the largest  value, namely an AIC value of 876.87 and an  value of 97.16%.
Co-Authors AA Sudharmawan, AA Abdillah Arif Nasution Ade Widyaningsih Adelia Yuniarti Adinda Audy Sita Mayzandy Agung Wijanarko, Agung Ahmad Mumtaz Tauba ALEXANDER JOSEPH RIADI Andini Ni Kadek ANNA FITRIANI Anresangsya Pria Satvika Antesty, Sella Aplonia Atto Arnes Yuli Vandika Asmara Santhi, Ni Kadek Wulanda Asri Ady Bakri As’ady, Mustofa Bagus Hari Sugiharto Bakkara, Bonica Nisra Br Barus, Eka Valencia Cahyono, Ari Nugroho Cernan,Chr, A, Liu Chrisna Anzella Jacob Citra Annisa Rahmania DAIMATUL KHOIRIYAH Deri Apriadi DESAK AYU WIRI ASTITI Desak Putu Eka Nilakusmawati DEWA AYU DWI ASTUTI DEWA AYU MADE SRI WIJAYATI UTAMI Dewa, Saroja Sari Diana Anggraini Kusumawati Diana Diana Diva, Made Tresia Pramasta Duffin Dwi Dersmi Selan DWI LARAS RIYANTINI Eddy Silamat, Eddy Eka N Kencana EKA N. KENCANA Eknoe, Arwilda Eko Nur Hermansyah Endah Prawesti Ningrum Endi Rustendi EVI NOVIYANTARI FATIMAH Fachrurazi Fadil Mas’ud Fatmasari, Ria Kristia Febriyanti, Ni Wayan Atik FELINA CHANTIKA PUTRI G. K. GANDHIADI G. K. GANDHIADI G.K. GANDHIADI Gusti Ayu Ariska Citra Dewi GUSTI AYU RATIH ASTARI GUSTI PUTU RADHA MAHARANI Handrianus Akoit Hartono Hartono Hellena Hendarta Hendarta, Hellena Hugo Prasetyo Winotoatmojo I GEDE GANA ARIAWAN I Gusti Ayu Made Srinadi I GUSTI AYU MADE VALENTINA DEWI I GUSTI NGURAH SENTANA PUTRA I KOMANG GDE SUKARSA I PUTU ARISTA YASA I Putu Eka Nila Kencana I Putu Winada Gautama I WAYAN RIAN PRATAMA I WAYAN SUMARJAYA I Wayan Sumarjaya I.G.A. DIAH SULASIH IDA AYU SRI PADMINI IMAMUDDIN KAMIL INA AZIZAH KADRI IPW Gautama IRA INDRIYANTI Irwansyah, Rudy IYOS ALFRANTA SURBAKTI Jamaluddin Majid Johannes P Kumagaya Johnny Chandra Juliani Tandi Tumbiri JULIE THERESYA PELAMONIA KADEK YUSA MAHENDRA Karol Octrisdey Kartika Sari Kastini, Ni Wayan Ketut Jayanegara Kharisma Dewi, Ni Putu Dian KOMANG CANDRA IVAN KOMANG KOKOM SUCAHYATI DEWI P Kosasih, Eva Kretisana Jagi Kusiyah Lesmana, Tera LUH GEDE UDAYANI LUH PUTU IDA HARINI LUH PUTU SAFITRI PRATIWI Luluk Sarifah M ARRIE KUNILASARI ELYNA Made Ayu Asri Oktarini Putri MADE AYU DWI OCTAVANNY MADE NARYMURTI WIDYASTUTI Maria Lodika Long Marselinda Agustin Hege Masnoni, Masnoni Meilandri, Detti Meliance Bria Melkianus Ratu MILATUS SHOLIKHA Miltiades Dewifortuna Pulo MIRA AYU NOVITA SARI MODANA LOLITA Muhamad Risal Tawil Muhammad Prasha Risfi Silitonga Musran Munizu Nadiya Yunan Naswan Hadilia Neneng Widayati Nggandung, Yeheskial NI KADEK AYU PUJI ASTUTI NI KADEK DWI ARISYA AFRILIANTI NI KADEK ENDAH YANITA UTARI NI KADEK NITA PRATIWI Ni Kadek Puspa Adi Swari Ni Ketut Tari Tastrawati Ni Komang Jeni Frika Yanti Ni Luh Gede Arun Dayanti Purwa NI LUH GEDE WIDIADNYANI NI LUH PUTU RATNA KUMALASARI Ni Luh Putu Suciptawati NI LUH WIWIN YUNIARTI NI MADE ARY DHARMA WIDYA ASTUTI Ni Made Deviani Prisilia NI MADE PUSPASARI NI MADE SRI KUSUMAWARDHANI NI MADE SRI SUGIANTARI NI MADE SUKMA PERTIWI NI MADE SURYA JAYANTI NI NENGAH RIKA PUSPITA NI NYOMAN UTAMI DEWI Ni Nyoman Widiasih NI PUTU IIN VINNY DAYANTI NI PUTU NADYA AGUSVIANI NI PUTU PREMA DEWANTI NI WAYAN ARI SUNDARI NI WAYAN DIAH SIHMAWATI NI WAYAN WIDYA EKARANI NI WAYAN YUNI CAHYANI Nilakusmawati, DPE ningrum, dedah - Nurhanimah Nurmahadi Nurul Ilma Nurul Iman, Nurul Nurwijayanti Nyoman Wendri Octavanny, Made Ayu Dwi PALUPI PURNAMA SARI Pardede, Mahadi Parlindungan Dongoran PRISCELLA PURBA Pulo, Miltiades Dewifortuna PUTRI DAMEYANTI Putu Edi Dimas Saputra PUTU OKA SURYA ARSANA Putu Rama Hari Bagaskara P. Retnawati Siregar Rinovian Rais Santoso, FahrulImam Sari Purnamayanti, Ni Gusti Ayu Kadek Siti Hawa SITTI HAJAR Srinadi, I Gusti Ayu Srinadi, IGAM Suciptawati, NLP Sutama Wisnu Dyatmika Syunikitta, Mirwanti Thalib, Najdah Tita Safitriawati Ulfatun Farika Novitasari Usmany, Paul Utami, Eva Yuniarti Veronika Nitsae Wagiyo Widianti, Nyoman Yasir Maulana, Yasir Yulian Sahri ZAKIAH NURLAILA Zein Ghozali