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Budgeting and Saving Effectiveness as the Main Pillar of Sustainable Personal Financial Management Prakoso, Teguh; Apriliani, Rina
Indonesian Journal of Islamic Economics and Finance Vol 4 No 2 (2024)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v4i2.6187

Abstract

Personal financial management is an important aspect of achieving financial stability and success. This research examines the importance of effective budgeting and saving practices as key components of personal financial management. The research shows that budgeting is important in personal financial management as it provides a clear framework for managing income and expenditure. By having a detailed budget, individuals can monitor their cash flow, ensure that they allocate funds to essential needs, and identify areas where spending can be reduced. Budgeting also helps set short-term and long-term goals, encouraging financial discipline and responsibility. Studies indicate that individuals who consistently follow a budget tend to have better financial health and are less trapped in debt. In addition to budgeting, effective saving practices are a key component of personal financial management. Saving is important to deal with financial emergencies and achieve future goals, such as home purchase, education, or retirement. Regularly setting aside a portion of income into savings can help individuals build financial reserves and reduce reliance on loans or credit. Studies have also found that saving regularly can increase financial well-being and reduce money-related stress. Therefore, effective budgeting and saving are two key pillars that complement each other in achieving sustainable personal financial stability.
MENGHUBUNGKAN INOVASI DAN MASYARAKAT: PENGEMBANGAN E-MARKETPLACE PKM UNIVERSITAS TERBUKA Prakoso, Teguh; Nursantoso, Teguh; Permanasari, Devi; Rovandi, Harris; Mustari, Mustari; Heriani, Heriani; Lase, Sepandil Laras
Jurnal Abdimas Bina Bangsa Vol. 6 No. 1 (2025): Jurnal Abdimas Bina Bangsa
Publisher : LPPM Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/jabb.v6i1.1673

Abstract

Community Service (PkM) is one of the pillars in the tridharma of higher education which aims to provide a real impact on society. This study develops an e-marketplace application "Gallery PkM Universitas Terbuka" as a solution to improve the marketing of products resulting from community service. The method used is Rapid Application Development (RAD), which allows rapid application development with repeated iterations. The results of the study show that this application makes it easy for students, lecturers, and the community to access and market products. The trial of Universitas Terbuka students showed a satisfaction level of 73.14%, which is included in the "Good" category. However, there are several aspects that need to be improved, such as improving image editing features, optimizing product displays, and developing payment options. With this application, it is hoped that the marketing of PkM products can be more optimal, expanding reach, and increasing the economic independence of the community.
Budgeting and Saving Effectiveness as the Main Pillar of Sustainable Personal Financial Management Prakoso, Teguh; Apriliani, Rina
Indonesian Journal of Islamic Economics and Finance Vol. 4 No. 2 (2024)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v4i2.6187

Abstract

Personal financial management is an important aspect of achieving financial stability and success. This research examines the importance of effective budgeting and saving practices as key components of personal financial management. The research shows that budgeting is important in personal financial management as it provides a clear framework for managing income and expenditure. By having a detailed budget, individuals can monitor their cash flow, ensure that they allocate funds to essential needs, and identify areas where spending can be reduced. Budgeting also helps set short-term and long-term goals, encouraging financial discipline and responsibility. Studies indicate that individuals who consistently follow a budget tend to have better financial health and are less trapped in debt. In addition to budgeting, effective saving practices are a key component of personal financial management. Saving is important to deal with financial emergencies and achieve future goals, such as home purchase, education, or retirement. Regularly setting aside a portion of income into savings can help individuals build financial reserves and reduce reliance on loans or credit. Studies have also found that saving regularly can increase financial well-being and reduce money-related stress. Therefore, effective budgeting and saving are two key pillars that complement each other in achieving sustainable personal financial stability.
The Influence of School Literacy Movement (GLS) and School Library Facilities on the Reading Interest of Fifth Grade Students at SD Negeri Sukarami, Palembang City Apriani, Zuliana; Houtman, Houtman; Prakoso, Teguh
Journal of Educational Sciences Vol. 9 No. 5 (2025): Journal of Educational Sciences
Publisher : FKIP - Universitas Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31258/jes.9.5.p.4125-4138

Abstract

This study investigates the influence of the School Literacy Movement (Gerakan Literasi Sekolah/GLS) and school library facilities on the reading interest of fifth-grade students in public elementary schools in Sukarami District, Palembang City. Employing a quantitative approach with a survey method, data were collected from 347 students selected through proportional random sampling out of a population of 2,658 students. The research design involved multiple linear regression analysis complemented by t-tests and F-tests to examine both partial and simultaneous effects. Findings demonstrate that GLS significantly enhances students’ reading interest by fostering consistent reading habits and cultivating a literacy-friendly environment. School library facilities, including the availability of relevant collections, comfortable spaces, and active literacy services, were also found to exert a positive effect, although their influence was less dominant compared to GLS. Simultaneously, both factors interact to strengthen literacy culture in schools. These results highlight the necessity of integrating structured literacy programs with the development of supportive library infrastructures to achieve sustainable improvements in elementary students’ reading engagement.
Adaptif Poly Frame PRMA pada Jaringan M2M Kognitif Kapiler Arifianto, Eko; Sofwan, Aghus; Prakoso, Teguh
Jurnal Teknologi Informasi dan Ilmu Komputer Vol 7 No 5: Oktober 2020
Publisher : Fakultas Ilmu Komputer, Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25126/jtiik.2020752281

Abstract

Komunikasi mesin ke mesin (M2M) pada jaringan kapiler, menggunakan metode transmisi Packet Reservation Multiple Access (PRMA), dan struktur frame data frame biasa, serta skenario komunikasi event driven. Seiring dengan pertambahan perangkat, metode, struktur frame dan skenario komunikasi tersebut tidak dapat menangani laju data yang sangat banyak, sehingga terjadi kemacetan yang memperlambat komunikasi. Penelitian ini bertujuan membuat komunikasi M2M yang lancar walaupun perangkat bertambah banyak, dengan membuat struktur frame baru dan skenario komunikasi baru, berupa Adaptive Poly Frame (APF) serta Scheduler Update (SU). APF dan SU dirancang dengan memberikan nomor urut serta prioritas pada data, yang kemudian dioptimasi dengan meningkatkan peluang persaingan MK (O), jumlah siklus huni slot (B), jumlah siklus huni kanal (S), dan Transmisi Sukses PRMA (TSPRMA). Penelitian ini menghasilkan transmisi sukses 92-28%, optimasi transmisi sukses 93-30%, siklus transmisi 1,5-8,1% dan reduksi siklus transmisi 0,9-7,2%.AbstractMachine to machine (M2M) communication in capillary networks, using the Packet Reservation Multiple Access (PRMA) transmission method, and ordinary frame data frame structures, as well as event driven communication scenarios. Along with the addition of devices, methods, frame structures and communication scenarios cannot handle very large data rates, resulting congestion that results in inefficient communication. This research aims to make M2M communication efficient even though the device is multiplying, by creating new frame structures and new communication scenarios, in the form of Adaptive Poly Frame (APF) and Scheduler Update (SU). APF and SU are designed by sequence number and prioritizing data, which is then optimized by increase the chance of MK contestation (O), the number of slot occupancy cycles (B), the number of canal occupancy cycles (S) and PRMA Success Transmission (TSPRMA). This research resulted in 92-28% successful transmission, 93-30% successful transmission optimization, 1.5-8.1% transmission cycle and 0.9-7.2% transmission cycle reduction
Harmonisasi dan keselarasan hidup dalam cerpen Harta Gantungan karya Ahmad Tohari Khasanah, Venus; Prakoso, Teguh
Diglosia: Jurnal Kajian Bahasa, Sastra, dan Pengajarannya Vol 6 No 4 (2023)
Publisher : Universitas Mulawarman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/diglosia.v6i4.727

Abstract

Kang Nurya's persistence in preserving buffalo as the hanged treasure is the center of the story discussed in the "Harta Gantungan" storiette. Although the neck swelling could take his life, Kang Nurya believes that death is a human cycle and chooses not to seek medical treatment. Kang Nurya believes that the consequences of medical expenses will have implications for the sale of his favorite buffalo, which is actually prepared for the cost of taking care of his body later. A discussion about this then took place with Markotob, who also believes that death is a destiny that must be faced. However, the way to prepare for it is not like Kang Nurya's thinking. The dialog between the two brings out the balance of views on the concept of death. The purpose of this research is to find the balance through harmonization and harmony of life based on the author's worldview. The theory used is Lucien Goldmann's genetic structuralism and Mukařovský's literary aesthetics with a literary sociology approach. The research result shows that there is a harmonization and live conformity that appear on that storiette, and that is the world view of Ahmad Tohari. Internal conflict in Kang Nurya is moderated by Markotob, showing the discussion about the meaning of death. Both have the same view about death but with different thinking methods. Even though Kang Nurya is stubborn, Markotob still respects him. Moreover, in the end, Kang Nurya did not know that his death did not use the hanged treasure that he had taken care of at all.
Pengajaran apresiasi sastra Indonesia di perguruan tinggi terbuka dan jarak jauh Rusyana, Enang; Prakoso, Teguh
Diglosia: Jurnal Kajian Bahasa, Sastra, dan Pengajarannya Vol 7 No Sp.Iss (2024)
Publisher : Universitas Mulawarman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/diglosia.v7iSp.Iss.941

Abstract

Teaching literature equips learners with the knowledge and skills of appreciating literary works. Learners are expected to be able to feel and enjoy the beauty of literary works. Teaching literary appreciation still experiences obstacles due to limited time allocation and teacher skills. Such constraints occur in face-to-face teaching of literature appreciation, and are likely to occur in open and distance learning. It is very interesting to study considering that teachers and students in open and distance learning do not meet face-to-face in the classroom. This article describes the teaching of Indonesian literature appreciation in open and distance education. The method used is descriptive qualitative. Data were collected from the subject matter books of PBIN 4213 Poetry, PBIN 4217 Drama, and PBIN 4219 Teaching Literary Appreciation, as well as archives of their teaching implementation at the Universitas Terbuka. The teaching materials from the three subject matter books were analyzed and juxtaposed with the teaching process delivered through asynchronous online tutorials. The results of the analysis show that teaching Indonesian literature appreciation can be implemented in open and distance universities through online tutorials.
Etnis Cina pada novel Di Kaki Bukit Cibalak karya Ahmad Tohari: representasi gagasan tentang keselarasan hidup Prakoso, Teguh; Rusyana, Enang; Khasanah, Venus
Diglosia: Jurnal Kajian Bahasa, Sastra, dan Pengajarannya Vol 7 No Sp.Iss (2024)
Publisher : Universitas Mulawarman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30872/diglosia.v7iSp.Iss.945

Abstract

The purpose this article is to obtain a representation of the idea of Chinese ethnic assimilation as a form of life harmony in the novel Di Kaki Bukit Cibalak (DKBC) based on the author's worldview. This article is qualitative research with descriptive analysis and a literary sociology approach based on Goldmann's genetic structuralism theory, Lotman's semiotics, and Mukařovskŷ backpack's literary aesthetics. In addition to finding the author's worldview, the text of DKBC is also seen as a dynamic aesthetic object. The primary data source is the novel DKBC by Ahmad Tohari; the secondary data source is articles and some reference literature related to diversity and harmonization. The stages of analysis were carried out using the first-level semiotic reading (heuristic) and continued with the second-level semiotic reading (hermeneutic). The results show an effort to build diversity and harmonization through blending, leading to life harmony. The emergence of Mulyani's perspective, which is different from her mother's in the novel DKBC, represents the complex and heterogeneous side of human life. The assimilation of ethnic Chinese is an important message about diversity and heterogeneity in Ahmad Tohari's novels. In such a context, the harmony of life represents ideas that the author voices well.
Design of PIFA Antenna Using Systematic Tuning for Long Range Communication Sabila, Liya Yusrina; Prakoso, Teguh; Riyadi, Munawar Agus
Buletin Ilmiah Sarjana Teknik Elektro Vol. 5 No. 4 (2023): December
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/biste.v5i4.9844

Abstract

Communication with a wireless system is one of the mainstays of communication so that communication integration is achieved. In this application, of course, an antenna is needed to send information waves to the receiver. It is also hoped that the antenna can be integrated with other components into an integrated system. There are several challenges that need to be answered to make this happen. Namely, the size of the antenna is small and the shape of the antenna can adjust to the shape of the object being integrated, for example a circle or cylinder shape. The antenna chosen to realize this challenge is the Planar Inverted F Antenna (PIFA). PIFA antennas are widely used in communication devices because their shape and size can be adjusted to the dimensions of the device. The technique used to create curved shapes is a conformal technique. To streamline the antenna design steps, the system tuning method is applied when simulating the design. The results achieved use a system tuning method which can reduce the experimental steps to just 6 experimental steps. The antenna designed works in the frequency range 916.9 – 933 MHz, the resonant frequency of 925.6 MHz with S11 is -12.5 dB, bandwidth 16.1 MHz, and the radiation pattern is omnidirectional.
Analysis of The Influence of Information, Access to Credit and Transparency of Government Policies on Small Medium Enterprises Performance Soleh, Soleh; Apriliani, Rina; Santoso, Muhammad Hery; Prakoso, Teguh; Erasma, Erasma
Innovative: Journal Of Social Science Research Vol. 4 No. 3 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i3.11115

Abstract

Tujuan dari penelitian ini adalah untuk menganalisis tingkat akses usaha kecil dan menengah terhadap kredit. Metode yang digunakan meliputi survei dan observasi. Analisis data menggunakan univariat dan bivariat. Hasil analisis mengungkapkan beberapa tantangan yang dihadapi pelaku bisnis, terutama dalam memperoleh pendanaan yang diperlukan untuk pertumbuhan bisnisnya. Banyak dari mereka juga merasa tidak percaya terhadap sistem keuangan yang dapat menghambat akses mereka terhadap pembiayaan. Meskipun sebagian besar perusahaan mengalami tingkat permintaan yang negatif dan memiliki ekspektasi pesimistis terhadap kondisi investasi, namun ada juga sebagian kecil yang optimis terhadap perkembangan bisnisnya di masa depan.
Co-Authors Abdul Hamid Alfauzi Achmad Hidayatno Adhi Nugraha Afin M Nurtsani Aghus Sofwan Agnes Yora Gracia Simatupang Ahmad Riyandi Ahmad Zaki Mubarok, Ahmad Zaki Akbar Satria Wardhana, Akbar Satria Alfian Rokhmansyah Ananda, Refisa Andreansyah, Muhammad Iqbal Apriani, Zuliana Apriliani Nabila Anjani Apriliani, Rina Ardhian Ainul Yaqin Arif Munandar Arifianto, Eko arjang Badriyah, Ratu Baron Murianda Brilian Dermawan Brillianing Pratiwi Damayanti, Denti Agustina Darjat Darjat Dewi, Arkidianabela Anggara Donny Dharmawan Dwi Budi Srisulistiowati E. H. Hadyan E.H. Hadyan E.H. Hadyan, E.H. Hadyan Eko Arifianto Eko Arifianto Eko Sudarmanto Enang Rusyana Endah Rita Sulistya Dewi Enggar Hindami Hadyan Erasma, Erasma Fitra Jaya Hadyan, E. H. Halim, Indra Hanardi Satrio Hari Kurnia Safitri Heriani Heriani, Heriani Houtman Ian Amri Dinina Ibrahim Ibrahim Ifki Arifatul Utami Irawan D Sukawati Irawan Dharma Sukawati, Irawan Dharma Jatmiko E. Suseno Jatmiko E. Suseno Khoerul Fajri Lase, Sepandil Laras Liya Yusrina Sabila M. A. Riyadi M. Noor, N Shazwani M.A. Riyadi M.A. Riyadi, M.A. Riyadi Maulina, Murni Mega Fatimah Rosana Memet CASMAT Mertua Agung Durya, Ngurah Pandji Mochammad Facta Mohamad Yunus, Mohamad Muhamad Ridwan Fauzi, Muhamad Ridwan Muhammad Afif Affandi Muhammad Syaipul Hayat Mujib, Khusnil Munawar A Riyadi Munawar Agus Riyadi Munawar Agus Riyadi Murianti, Diana Mustari Mustari Muthia Nur Fajrina Muthouwali, Achmad Ngaqib N Shazwani M. Noor N. Shazwani M. Noor, N. Shazwani natanael pandapotan, natanael Ngah, Razali Ngah, Razali Nicholas Audric Adriel Novita Sari Harianja Nursantoso, Teguh Permanasari, Devi Rachmani, Ferlinda Ainur Rahma Dewi Hartati Razali Ngah Razali Ngah Razali Ngah Riyadi, M. A. Riyadi, Munawar Riyadi, Munawar Riyadi, Munawar A. Riyandi, Ahmad Rovandi, Harris Rustaman, Dede Sabila, Liya Yusrina Santoso, Imam Santoso, Muhammad Hery Sapto Budi Priyatno Setiawan, Budhy Siti Aisyah Siti Hadianti, Siti Sofwan, Aghus Soleh, Soleh Stefani Dian Hutami Sukiswo Sukiswo Sukiswo Sukiswo Sumardi . Suseno, Jatmiko E. Syafruddin Syuja Rizqullah Tanzila Azizi Rochim Tedi Oktavianto Tharek A. Rahman Ucu Rahayu Uli Wildan Nuryanto Venus Khasanah Victor Pattiasina Winasis, Ganjar Yohandri Natan Yuli Christyono Yuli Christyono Yuliana, Rachma