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Promoting MSME Financing Decisions The Influence of Financial Behavior and the Role of Risk Taking Behavior Abdul Syukur; Amalia Nur Chasanah; Fery Riyanto
Jurnal Ekonomi dan Bisnis Vol. 5 No. 2 (2026): Juni 2026
Publisher : Faculty of Economics and Business Universitas Dian Nuswantoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33633/jekobs.v5i2.16522

Abstract

This study aims to examine the effect of financial behavior on credit decision making among MSME owners in Central Java and to investigate the moderating role of risk-taking behavior. A quantitative approach was employed involving 185 MSME owners selected through purposive sampling. Data were collected using questionnaires and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that financial behavior has a positive and significant effect on credit decision making. This finding suggests that MSME owners with better financial behavior are more likely to make rational and effective credit decisions. However, risk-taking behavior does not moderate the relationship between financial behavior and credit decision making. The findings highlight that the quality of credit decisions is primarily influenced by financial management capabilities rather than the willingness to take business risks.   Penelitian ini bertujuan untuk menganalisis pengaruh financial behavior terhadap credit decision making pada pelaku UMKM di Jawa Tengah serta menguji peran risk taking behavior sebagai variabel moderasi. Penelitian menggunakan pendekatan kuantitatif dengan melibatkan 185 pemilik atau pengelola UMKM yang dipilih melalui teknik purposive sampling. Data dikumpulkan menggunakan kuesioner dan dianalisis dengan Partial Least Squares Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa financial behavior berpengaruh positif dan signifikan terhadap credit decision making. Temuan ini mengindikasikan bahwa pelaku UMKM yang memiliki perilaku keuangan yang baik cenderung mampu mengambil keputusan kredit yang lebih rasional dan berkualitas. Sementara itu, risk taking behavior tidak terbukti memoderasi hubungan antara financial behavior dan credit decision making. Hasil penelitian menegaskan bahwa kualitas keputusan kredit lebih dipengaruhi oleh kemampuan pengelolaan keuangan dibandingkan keberanian dalam menghadapi risiko usaha.
Classification of Types of Dates Using Extraction of Shape and Texture Features with K-Nearest Neighbors Method Muhammad Ichsan; Abdul Syukur; Affandy; Moch. Arief Soeleman
INFLUENCE: INTERNATIONAL JOURNAL OF SCIENCE REVIEW Vol. 4 No. 1 (2022): INFLUENCE: International Journal of Science Review
Publisher : Global Writing Academica Researching and Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54783/influencejournal.v4i1.333

Abstract

Dates are one type of plant that comes from palm trees, dates can also be called in Latin arecaceae. There are several types of dates available in the market making it difficult for buyers (consumers) to recognize the types. The purpose of this study was to determine the accuracy of the results of dates from ajwa, grape and mejol dates using the classification of texture and shape features using the K-NN (K-Nearest Neighbors) method. The stages of image processing, namely data processing, segmentation, and extraction using the K-Nearest neighbors method, from this research it is known that the accuracy value is 96.33%.
An integration of quantum systems using BB84 for enhanced security in aeroponic smart farming Christy Atika Sari; Purwanto Purwanto; Eko Hari Rachmawanto; Abdul Syukur
TELKOMNIKA (Telecommunication Computing Electronics and Control) Vol 22, No 6: December 2024
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/telkomnika.v22i6.26450

Abstract

Modern aeroponic systems leverage internet of things (IoT) technology for automated control of climate, lighting, and nutrient delivery, rendering them susceptible to unauthorized access and network attacks. Such disruptions can lead to financial losses and impair agricultural productivity by altering essential growth conditions. To mitigate these risks, robust security measures including encryption and firewalls are essential, alongside continuous monitoring and updates to combat evolving threats. Addressing cyber threats in urban aeroponic systems, implementing quantum encryption emerges as a promising solution. Quantum key distribution (QKD) ensures highly secure encryption keys using quantum states that change upon eavesdropping, thereby thwarting intrusion attempts effectively. Integrating quantum encryption in aeroponic control systems safeguards data integrity and operational continuity against cyber threats, bolstering urban agriculture resilience. Our findings demonstrate the efficacy of quantum BB84 protocol integrated with API for Eve’s security. Quantum bit error rate (QBER) measurements revealed minimal interference (0.015) for Alice and Bob, contrasting with higher initial QBER (up to 1.0) for Eve, indicative of intrusion attempts. Histogram analysis further underscored quantum security’s effectiveness in identifying and mitigating breaches. For future research, enhancing quantum encryption protocols and integrating advanced detection mechanisms will be essential.
Contrast-Limited Adaptive Histogram Equalization for Enhancing YOLOv8-Based Industrial Bolt Defect Detection Muhammad Nurbaitullah; Abdul Syukur; Ahmad Zainul Fanani
Scientific Journal of Informatics Vol. 13 No. 2: May 2026
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/sji.v13i2.41185

Abstract

Purpose: Defect detection in industrial bolts is crucial for ensuring product reliability, production safety, and consistent quality control in modern industrial environments. However, visual inspection of metal bolts remains challenging due to low contrast, uneven lighting, and reflective surfaces that often hide subtle defect patterns and reduce detection accuracy. Most existing YOLO-based approaches focus on architectural modifications to improve performance, which may increase model complexity and limit real-time applicability. Methods: This study integrates Contrast-Limited Adaptive Histogram Equalization (CLAHE) with YOLOv8 to improve defect visibility prior to detection. CLAHE enhances local contrast by redistributing pixel intensities while suppressing noise amplification, thereby strengthening feature representation for deep learning-based detection. Experiments were conducted on a publicly available industrial bolt dataset annotated via Roboflow, using a 3-fold cross-validation strategy. Performance was assessed with Precision, Recall, mAP@50, mAP@50–95, FPS, and FLOPs to evaluate accuracy and real-time feasibility. Result: Experimental results based on a 3-fold cross-validation scheme indicate that the proposed CLAHE–YOLOv8 model achieves consistent performance improvements over the baseline YOLOv8 configuration. The method obtains an average Precision of 0.9495±0.0068, Recall of 0.9028±0.0235, mAP@50 of 0.9364±0.0156, and mAP@50–95 of 0.7121±0.0037, while maintaining real-time inference performance at 29.79 FPS. These results demonstrate that contrast-based preprocessing contributes positively to detection stability and localization consistency without increasing model complexity. Novelty: The novelty of this research lies in demonstrating that data-level contrast enhancement using CLAHE effectively improve industrial bolt defect detection performance without architectural modification, offering a practical and computationally efficient solution for real-time industrial inspection systems.
Optimization of CNN Architectures through Fine-tuning for SIBI Classification Nur Hilmi Insan Muhammad; Abdul Syukur; Pujiono Pujiono
ILKOM Jurnal Ilmiah Vol 18, No 2 (2026)
Publisher : Prodi Teknik Informatika FIK Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33096/ilkom.v18i2.2830.378-392

Abstract

This research addresses the computational optimization of convolutional neural network (CNN) architectures for the classification of Indonesian Sign Language System (Sistem Isyarat Bahasa Indonesia, SIBI) static alphabet imagery to enhance digital communication accessibility. Utilizing a domain-specific dataset comprising 1,165 images across 26 alphabet classes, this study tackles the prominent challenges of limited sample sizes and severe class imbalance. We evaluate five state-of-the-art CNN architectures MobileNetV2, DenseNet121, Xception, InceptionV3, and ResNet50V2 under four distinct training data paradigms before and after adaptive fine-tuning. To eliminate predictive bias without pixel-level distortion, oversampling is operationalized via Latent Space SMOTE on flattened vector embeddings, combined with dynamistic runtime image augmentation. The experimental results reveal that MobileNetV2, when optimized through partial layer-freezing (locking 150 baseline layers) under the integrated augmentation and oversampling combination scenario, achieved the highest macro-classification accuracy of 98.30%. This architecture also demonstrated superior efficiency, reducing the computational training latency to 0.53 minutes. The findings underscore the strategic advantage of leveraging optimized lightweight networks like MobileNetV2 for domain-specific visual recognition tasks.
Behavioral Financial Factors and Bank Managers Financial Performance: Evidence from Semarang Abdul Syukur; Awanis Linati Haziroh; Maria Safitri
Jurnal Telekomunikasi dan Informatika Lbh. 4 Àir. 1 (2026): International Journal Of Accounting, Management, And Economics Research (IJAME
Publisher : Fakultas Ekonomi dan Bisnis Universitas Dian Nuswantoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56696/ijamer.v4i1.188

Abstract

This study aims to examine the effects of financial self-efficacy, financial literacy, and financial decision-making on the financial performance of bank managers in Semarang City. A quantitative approach was employed with 125 respondents selected through purposive sampling from both state-owned and private banks. Data were collected using a 1–7 Likert scale questionnaire and analyzed using PLS-SEM with SmartPLS 4. The results indicate that financial decision-making and financial self-efficacy have positive and significant effects on financial performance, while financial literacy has no significant effect. These findings highlight the importance of behavioral factors and decision-making quality in improving the financial performance of bank managers..