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The Effect of Digital Banking Adoption, Trust in Fintech, Perceived Security, and Customer Satisfaction on Financial Inclusion in Indonesian Banking Ridwan, Mohammad; Puspitasari, Ria; Winarsih, Tri; Wangsih, Ingkak Chintya; Sudarmanto, Eko
West Science Business and Management Vol. 3 No. 01 (2025): West Science Business and Management
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsbm.v3i01.1794

Abstract

This study investigates the impact of Digital Banking Adoption, Trust in Fintech, Perceived Security, and Customer Satisfaction on Financial Inclusion in Indonesian banking. Employing a quantitative approach, data were collected from 110 respondents using a Likert scale (1–5) and analyzed using Structural Equation Modeling - Partial Least Squares (SEM-PLS) 3. The findings reveal that all four variables significantly and positively influence financial inclusion, with Digital Banking Adoption exerting the strongest impact. The model explains 68% of the variance in Financial Inclusion, underscoring the importance of digital transformation, trust-building, robust security, and customer satisfaction in enhancing financial accessibility. These results provide valuable insights for policymakers and financial institutions to develop targeted strategies that foster financial inclusion in Indonesia.
CLUSTERING OF DRUG, COSMETIC, TRADITIONAL MEDICINE, AND FOOD CRIME VULNERABILITY IN EAST JAVA USING THE K-MEDOIDS ALGORITHM Puspitasari, Ria; Mahmudah, Mahmudah; Indriani, Diah; Indawati, Rachmah; Ardianah, Eva
Jurnal Biometrika dan Kependudukan Vol. 14 No. 1 (2025): JURNAL BIOMETRIKA DAN KEPENDUDUKAN
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jbk.v14i1.2025.34-44

Abstract

Drug and Food crime vulnerability mapping is the process of identifying potential crimes based on investigation, news, and study analysis, including the results of supervision, intelligence, cyber, and information analysis.  The purpose of this study is to classify the vulnerability of drug, cosmetic, traditional medicine, and food crime in East Java using the K-Medoids algorithm, as well as to see the development of the vulnerability of drug, cosmetic, traditional medicine, and food crime in East Java Province for 5 years from 2019 to 2023. The method used is the K-Medoids algorithm with the determination of the number of clusters using the Average Silhouette Width (ASW) method. The highest ASW value between 0.28447-0.61210 was obtained in clusters with 5 groups, namely very high, high, medium, low, and very low clusters. The results of the study show that from 2019 to 2023, as many as 12 regencies/cities have an increasingly vulnerable status, while 26 other regencies/cities have an increasingly safe status. The 12 regencies/cities that are increasingly vulnerable are Bangkalan Regency, Gresik Regency, Lamongan Regency, Nganjuk Regency, Pamekasan Regency, Pasuruan Regency, Ponorogo Regency, Sidoarjo Regency, Tuban Regency, Malang City, Probolinggo City, and Surabaya City. It is necessary to empower the community and intensify communication, provide education and disseminate information massively regarding the use of legal and safe Drugs and Food products, especially in areas with very high vulnerability.
Bagaimana Hubungan Budaya Korupsi dengan Kegagalan Sistem Pendidikan? Sudarmanto, Eko; Puspitasari, Ria; Septi, Iti; Renaldo, Nicholas; Octasylva, Annuridya Rosyidta Pratiwi
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 1 (2025): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i1.366

Abstract

Korupsi telah menjadi fenomena struktural yang mengakar dalam berbagai aspek kehidupan, termasuk dalam sektor pendidikan. Artikel ini bertujuan untuk menganalisis keterkaitan antara budaya korupsi dan kegagalan sistem pendidikan di Indonesia. Melalui pendekatan kualitatif deskriptif berbasis studi pustaka, penelitian ini menemukan bahwa budaya korupsi berdampak signifikan terhadap rendahnya efektivitas sistem pendidikan. Praktik korupsi tercermin dalam penyimpangan penggunaan anggaran pendidikan, praktik nepotisme dalam seleksi tenaga pendidik, lemahnya mekanisme akuntabilitas institusi pendidikan, serta terjadinya manipulasi dalam proses evaluasi akademik. Dampak dari kondisi tersebut tidak hanya menurunkan kualitas layanan pendidikan, tetapi juga menggerus nilai-nilai etis dan moral peserta didik. Temuan ini menegaskan bahwa reformasi pendidikan tidak akan berjalan efektif tanpa upaya sistematis dalam pemberantasan budaya korupsi. Dengan demikian, integrasi kebijakan antikorupsi dalam seluruh aspek pendidikan menjadi urgensi dalam menciptakan sistem pendidikan yang adil, transparan, dan berkualitas.
Immune response in IGF-1 and growth parameters among infected children Ardianah, Eva; Widjaja, Nur Aisiyah; Indriani, Diah; Melaniani, Soenarnatalina; Kuntoro; Wibowo, Arief; Notobroto, Hari Basuki; Purnomo, Windhu; Indawati, Rachmah; Saputro, Sigit Ari; Santoso, Febrina Mustika; Puspitasari, Ria; Pebriaini, Prisma Andita; Nurfidaus, Yasmine; Irawan, Roedi; Hidayat, Boerhan; Hidayati, Siti Nurul; Hanindita, Meta Herdiana
BKM Public Health and Community Medicine Vol 41 No 08 (2025)
Publisher : Universitas Gadjah Mada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22146/bkm.v41i08.18379

Abstract

Purpose: Infections in children can affect weight gain and linear growth by influencing metabolism and nutrition. Chronic inflammation results in growth failure mediated by pro-inflammatory cytokines and poor nutritional intake, which affects the GH/IGF-1 axis. This study aimed to investigate the impact of the inflammatory response on children's anthropometry, particularly HAZ, and the role of IGF-1. Methods: An observational study with a cross-sectional design was conducted from September 2021 to July 2022. The study involved children diagnosed with infections. The subjects had undergone a physical and laboratory investigation, which included a thorax photo, urine culture, Mantoux test, and complete blood test in a hospital setting. A complete medical history was obtained from the pediatrician. Results: The prevalence of undernutrition was 37.33%; the prevalence of underweight/severely underweight, stunted/severely stunted, and wasted/severely wasted was 25.33%, 30.66%, and 14.67% respectively. Stunted/severely stunted was more prevalent in subjects under 2 years old, compared to subjects more than 2 years old (22/41 vs. 7/34, p=0.014). SEM analysis revealed that the inflammatory response affected IGF-1 levels (r=0.850, p=0.000), while IGF-1 affected body composition (r=0.245, p=0.025), and then affected HAZ (r=1.000, p=0.000). The effect of IGF-1 on HAZ appears to be indirect, acting through body composition. Parental height has a weak, albeit significant, effect on body composition (r=0.101, p=0.025) and HAZ (r=0.192, p=0.040). Univariate analysis revealed strong correlations between IL-6 and IL-10 and IGF-1 (r=0.870, p=0.000 and 0.876, p=0.000, respectively). In contrast, parental height showed a correlation with HAZ/LAZ (r=0.319, p=0.000). Maternal height was correlated positively with WAZ (r=0.320, p=0.044). Conclusion: The prevalence of stunting among children under two years of age indicates that early childhood constitutes a critical period for intervention in growth and development. Inflammatory response has been demonstrated to influence IGF-1 levels in children. The role of IGF-1 on HAZ was mediated by body composition.
THE EFFECT OF DELAYS DUE TO FLIGHT OPERATION HANDLING AND ENGINEERING ON ON-TIME PERFORMANCE AT PT. WATER LAMPS AT SOEKARNO HATTA AIRPORT Amelia Trisavinaningdiah; Asriani Susiati; Ria Puspitasari; Suci Alumdalu; Robah Lagu Sitepu
International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC) Vol. 3 No. 4 (2025): August
Publisher : ZILLZELL MEDIA PRIMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61990/ijamesc.v3i4.592

Abstract

The purpose of this study is to determine the effect of delays that occur in the handling of flight operations on on-time performance, the effect of delays that occur in technical handling on on-time performance and the effect of delays due to flight operations and techniques on on-time performance on airlines PT. Pelita Air at Soekarno Hatta Airport. In this study, researchers used a quantitative approach with SPSS ver. 27. A sample size of 50 respondents was obtained. Instrument regression tests were carried out, apart from that, statistical tests were also carried out, which included simple regression tests, multiple regression tests, simple correlation tests, multiple correlation tests, and determination of the coefficient of determination. Hypothesis testing was also carried out which included partial tests (t tests) and simultaneous tests (F tests). The results showed that Flight Operation had a significant positive effect on On-time Performance, Engineering had a significant positive effect on On-time Performance. The results of the F test show that the F-count value is 131.516 > 3.2 with Sig. 0.000 < 0.05. This means that the independent variables together have a significant effect on the dependent variable.
The Impact of Public Accountant Competence, Audit Review Quality, and Timeliness of Reporting on Client Loyalty through Audit Trust in Accounting Firms in Jakarta Aulia, Triana Zuhrotun; Puspitasari, Ria; Maulana, Bonnix Hedy; Nurhayadi, Willy; Sudarmanto, Eko
West Science Interdisciplinary Studies Vol. 3 No. 08 (2025): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v3i08.2161

Abstract

This study examines the influence of public accountant competence, audit review quality, and timeliness of reporting on client loyalty, with audit trust serving as a mediating variable. The research was conducted on public accounting firms operating in Jakarta using a quantitative approach. A total of 250 valid responses were collected through a structured questionnaire and analyzed using Structural Equation Modeling - Partial Least Squares (SEM-PLS 3). The findings indicate that public accountant competence, audit review quality, and timeliness of reporting have significant positive effects on audit trust. In turn, audit trust significantly influences client loyalty. Moreover, audit trust partially mediates the relationship between each independent variable and client loyalty, underscoring its critical role in shaping long-term client relationships. The study provides both theoretical contributions and practical implications for public accounting firms in fostering client trust and retention.
The Impact of Public Accountant Competence, Audit Review Quality, and Timeliness of Reporting on Client Loyalty through Audit Trust in Accounting Firms in Jakarta Aulia, Triana Zuhrotun; Puspitasari, Ria; Maulana, Bonnix Hedy; Nurhayadi, Willy; Sudarmanto, Eko
West Science Interdisciplinary Studies Vol. 3 No. 08 (2025): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v3i08.2161

Abstract

This study examines the influence of public accountant competence, audit review quality, and timeliness of reporting on client loyalty, with audit trust serving as a mediating variable. The research was conducted on public accounting firms operating in Jakarta using a quantitative approach. A total of 250 valid responses were collected through a structured questionnaire and analyzed using Structural Equation Modeling - Partial Least Squares (SEM-PLS 3). The findings indicate that public accountant competence, audit review quality, and timeliness of reporting have significant positive effects on audit trust. In turn, audit trust significantly influences client loyalty. Moreover, audit trust partially mediates the relationship between each independent variable and client loyalty, underscoring its critical role in shaping long-term client relationships. The study provides both theoretical contributions and practical implications for public accounting firms in fostering client trust and retention.
Dari Kebutuhan Menuju Kebermaknaan: Reformulasi Konsep Needs Assessment dalam Perencanaan Pendidikan Islam Kontemporer Puspitasari, Ria; Rodiyah, Sinta; Romlah, Romlah; Abdurrahman, Abdurrahman
Jambura Journal of Educational Management Volume 6 Nomor 2, September 2025
Publisher : JURUSAN MANAJEMEN PENDIDIKAN FAKULTAS ILMU PENDIDIKAN UNIVERSITAS NEGERI GORONTALO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37411/jjem.v6i2.4384

Abstract

Penelitian ini bertujuan untuk menganalisis tentang Reformulasi Konsep Needs Assessment dalam Perencanaan Pendidikan Islam Kontemporer (Dari Kebutuhan Menuju Kebermaknaan). Penelitian ini menggunakan pendekatan kualitatif dengan desain studi kepustakaan dan analisis konten untuk mereformulasi konsep needs assessment dalam perencanaan pendidikan Islam. Data diperoleh dari jurnal, buku, dan dokumen kebijakan 2019–2025 yang relevan. Analisis dilakukan melalui thematic coding dengan triangulasi sumber dan peer debriefing guna menjamin validitas. Hasilnya berupa model konseptual baru yang selaras dengan visi pendidikan Islam. Berdasarkan hasil dan pembahasan mengenai Reformulasi Konsep Needs Assessment dalam Perencanaan Pendidikan Islam Kontemporer (Dari Kebutuhan Menuju Kebermaknaan), dapat disimpulkan empat hal penting. Pertama, perlu adanya reformulasi konsep needs assessment karena pendekatan lama masih normatif dan administratif, belum menyentuh dimensi spiritual dan sosial, sehingga perlu diarahkan menjadi lebih holistik dan kontekstual dengan era digital. Kedua, pentingnya integrasi nilai spiritual, etis, dan sosial agar analisis kebutuhan tidak hanya akademik, tetapi juga membentuk karakter insan kamil. Ketiga, pemanfaatan teknologi digital dan adaptasi global dibutuhkan untuk meningkatkan akurasi serta relevansi hasil asesmen tanpa meninggalkan prinsip syariat. Keempat, dibutuhkan model asesmen holistik dan transformatif yang menilai aspek kognitif, afektif, dan psikomotor secara seimbang demi melahirkan generasi Muslim berkarakter dan berdaya saing global.
TRADISI PEMBACAAN SURAT AL-WAQI’AH : Studi Living Qur’an DI PONDOK PESANTREN MAZRO’ATUL LUGHOH PARE KEDIRI Puspitasari, Ria; Nailil Muna, Nur
AR ROSYAD: Jurnal Keislaman dan Sosial Humaniora Vol. 2 No. 1 (2023): Desember 2023
Publisher : LPPM IAI Hasanuddin Pare-Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55148/arrosyad.v2i1.862

Abstract

This article discusses the tradition of reading Surat al-Waqi'ah which is familiarly practiced at the Mazro'atul Lughoh Islamic Boarding School. In this pesantren, all students are required to follow this routine tradition so that they are accustomed to practicing it in their daily lives. By using the study of the Living Qur'an and its approach in the form of analyzing a problem by reviewing it from the point of view of objective, expressive and documentary meanings, this paper draws the following conclusions; first, the tradition of Surah al-Waqi'ah is read regularly every day to motivate readers to get as much fadhilah as possible. Second, the objective meaning of reading the letter al-Waqi'ah, this tradition has been alive and rooted for a long time to make students become pious and pious students. Meanwhile, the expressive meaning of reading surah al-Waqi'ah can provide relief in times of trouble, ease in solving problems, and easy to obtain sustenance. The meaning of the documentary can make students become people who are disciplined in religion, especially those related to God (hablun minallah) and also with fellow human beings (hablun minannas).
Resepsi Alquran Santri Pondok Pesantren MBI Mambaul Falah Bawean Sholihan, Sholihan; Puspitasari, Ria
AR ROSYAD: Jurnal Keislaman dan Sosial Humaniora Vol. 3 No. 1 (2024): Tradisi Alquran and Maqashid Alquran
Publisher : LPPM IAI Hasanuddin Pare-Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55148/arrosyad.v3i1.1440

Abstract

This research examined the reception of the Qur'an among the students of MBI Mambaul Falah Bawean Islamic Boarding School. The Quran is understood as an ideology that gives rise to positive behaviour in social tradition. The concept of 'living Quran' is the basis of this research to identify three models of reception: exegesis, aesthetic and functional. Using a qualitative approach, this study highlights the Qur'an as a source of knowledge and a guide to life for students in shaping good morals, character and attitudes to become servants who have good spiritual and social relationships, especially later when Khidmah in the community. The findings of the author's research show that Qur'anic reception is not only an academic endeavour but also a life practice that inspires and motivates santri to live a meaningful life. This research highlights the importance of contextualised and responsive Islamic education in meeting the challenges of the times in the contemporary era.