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THE PERCEPTION OF SECURITY AND RISK, EASE OF USE, AND BENEFITS ARE THE DETERMINING FACTORS IN ADOPTING A DIGITAL WALLET Karsim, Karsim; Rini, Rini; Ronaldo, Reza; Anam, Syaiful; Judijanto, Loso
Journal of Management Small and Medium Enterprises (SMEs) Vol 17 No 2 (2024): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v17i2.17027

Abstract

The COVID-19 era is an event that transitions all human activities in all parts of the world. This has an impact on various aspects including health, economic, and social aspects. All activities are carried out indoors and limit contact outside the room to avoid COVID-19, from social distancing to working from home. The implementation of this system makes people more 'literate' in technology. One of them is in the economic sector, where people have started using non-cash payment transactions. Because of this phenomenon, researchers analyzed the perception of security and risk, and benefits as the determining factors of in adopting the digital wallet. This research uses interviews and direct observation. The data collection was carried out on 15 respondents, people who have a high interest in the use of digital wallets. The results show that perceived security, ease of use, and benefits are the main factors in digital wallet adoption. Users prefer platforms with security features such as encryption and two-factor authentication. Perceived risks, such as data loss, can be mitigated with good education. Ease of use through an intuitive interface increases user satisfaction. Benefits such as ease of payment and financial incentives are strong motivators. To increase adoption, providers should focus on security, convenience, and clear communication of benefits. Keywords: Digital Wallet; Security and Risk; Benefits
Pengaruh pH dan Metabolisme Bakteri Escherichia coli dalam Reaktor Microbial Fuel Cell Terhadap Reduksi Kromium Heksavalen Kumalasari, Prapti Ira; Monde, Junety; Yusuf, Zefanya Bernadi; Rini, Rini
CHEESA: Chemical Engineering Research Articles Vol. 2 No. 2 (2019)
Publisher : Universitas PGRI Madiun

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (280.59 KB) | DOI: 10.25273/cheesa.v2i2.5481

Abstract

Kalimantan merupakan pulau yang terkenal akan sektor pertambangan salah satunya di daerah delta Mahakam, yang dalam proses eksploitasinya berpotensi menghasilkan limbah logam berat, seperti logam berat Cr6+. Pencemaran logam Cr6+ cukup sulit untuk terurai dilingkungan dan bersifat karsinogenik, karena dengan konsentrasi kecil saja dapat menimbulkan tingkat keracunan yang sangat tinggi pada makhluk hidup, sehingga pengolahan terhadap limbah tersebut sangat penting. Microbial Fuel Cell merupakan suatu metode yang dapat membantu proses pengolahan limbah dengan cara mereduksi Cr6+ menjadi Cr3+ dengan katalisis mikrobiologis. Penelitian ini menggunakan metode reaktor double-chamber yaitu terdapat ruang anoda yang berisi bakteri anaerob dan basic anolyte, sedangkan pada ruang katoda terdapat kalium dikromat dengan konsentrasi 18 mg/L dan variasi pH 3, 4 dan 5 yang dilakukan selama 10 hari. Kondisi pH optimum pada proses reduksi terjadi pada pH 4 dengan besar persen penurunan sekitar 98%. Dan produksi listrik tertinggi pada hari ke-2 pada variasi pH 3 dengan nilai power density sebesar sebesar 11, 06 mW/m2.
Diagnosis Kesulitan Belajar Pada Siswa Dalam Melakukan Pembelajaran Aktif Di Sekolah Susanto, Ari; Rini, Rini; Toibah, Toibah; Ningsih, Erni Septia
Aktualita: Jurnal Penelitian Sosial Keagamaan Vol 14 No I (2024): Aktualita: Jurnal Penelitian Sosial Keagamaan
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat IAI An-Nadwah Kuala Tungkal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54459/aktualita.v14iI.669

Abstract

Penelitian ini bertujuan untuk mengetahui dimana letak kesulitan belajar yang dihadapi oleh siswa dan untuk mencari pemecahannya, karena jika kesulitan belajar siswa tersebut dibiarkan, maka tujuan pembelajaran tidak akan tercapai dengan baik. Metode penelitian yang digunakan adalah penelitan library reasearch (perpustakaan), dimana sumber data diperoleh dari buku, artikel jurnal, maupun karya ilmiah lain yang relevan dengan pembahasan. Hasil penelitian menunjukkan bahwa diagnosis ini membantu siswa untuk memperoleh hasil belajar yang optimal. Untuk melaksanakan kegiatan diagnosis kesulitan belajar harus ditempuh beberapa tahapan kegiatan seperti 1) Mengidentifikasi siswa yang diperkirakan mengalami kesulitan belajar; 2) Melokalisasikan kesulitan belajar; 3) Menentukan faktor penyebab kesulitan belajar; 4) Memperkirakan alternatif bantuan; 5) Menetapkan kemungkinan cara mengatasinya; dan 6) Tindak lanjut. Diagnosis kesulitan belajar dilakukan dengan teknik tes dan nontes. Teknik yang dapat digunakan guru untuk mendiagnosis kesulitan belajar antara lain: tes prasyarat (prasyarat pengetahuan, prasyarat keterampilan), tes diagnostik, wawancara dan pengamatan.
Perkembangan Fisik Motorik Kasar Dan Motorik Halus Rini, Rini; Fakhri Ilham, Diky
Aktualita: Jurnal Penelitian Sosial Keagamaan Vol 14 No II (2024): Aktualita: Jurnal Penelitian Sosial Keagamaan
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat IAI An-Nadwah Kuala Tungkal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54459/aktualita.v14iII.779

Abstract

Perkembangan Fisik dan Motorik Anak Usia Dini merupakan salah satu kemampuan dasar yang sangat penting yang perlu dimiliki oleh setiap anak untuk di kembangkan dengan optimal. Perkembangan fisik motorik ini meliputi fisik motorik kasar dan fisik motrik halus yang saling berkaitan. Perkembangan fisik dan motorik sering dijadikan sebagai tolak ukur untuk membuktikan bahwa anak berkembang dengan baik. Perkembangan motorik dalah sesuatu yang membicarakan gerakan jasmani yang terkoordinasi, sehingga dalam perkembangannya membutuhkan berbagai stimulasi yang tepat untuk anak usia dini. Stimulasi ini dapat diberikan oleh orang tua, keluarga, guru, maupun lingkungan baik itu lingkungan rumah. Perkembangan fisik dan motorik ini pun harus perlu pengawasan yang tepat agar tidak salah arah untuk kelanjutan usia anak. Memberikan waktu yang banyak untuk anak melakukan kegiatan-kegiatan yang menunjang perkembangan fisik dan motorik anak usia dini.
Development of Constructivism-Base Student Work Sheets of Aldehydes and Ketone Materials for Organic Chemistry II Students Hasnah, Hasnah; Susilawati, Susilawati; Erna, Maria; Rini, Rini
Journal of Educational Sciences Vol 3. No. 1. January 2019
Publisher : FKIP-Universitas Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31258/jes.3.1.p.63-71

Abstract

Teaching materials that were applied previously in the form of MFIs are not yet constructivism-based. During the time, the applied student worksheet (LKM) is monotonic so that students are less motivated in the learning process, as the solution, a constructivism-based LKM need to be developed. The research aims to develop constructivism- based Student Worksheets on aldehyde and ketone material. This type of research was Research and Development with a 4-D development model which includes Definition, Design, Development, and Disseminate. This research was only carried out until the development stage and was followed by limited trials. The research was conducted at the FKIP University of Riau. The object of the research was constructivism-based LKM. The data analysis technique used in the study was descriptive statistical analysis, which was calculating the percentage of validation values. The average score of the assessment of the five aspects of the LKM feasibility by the validator team, which was didactic, constructs of feasibility of presentation, construct of linguistic, technical feasibility, characteristics of constructivism successively have a score of 98%, 100%, 99%, 100% and 100%, respectively. The average score of overall validation of constructivism-based Aldehyde and Ketone LKM is 99.39% with a valid feasibility category, meaning that the developed LKM are feasible to use in the real teaching.
Analisis Faktor-Faktor yang Mempengaruhi Peringkat Sukuk di Indonesia Siddiqoh, Siddiqoh; Rini, Rini
Jurnal Akuntansi dan Governance Vol. 5 No. 2 (2025): Jurnal Akuntansi dan Governance
Publisher : Universitas Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24853/jago.5.2.129-145

Abstract

Objectives: This study aims to analyze the factors that affect the ranking of sukuk. This analysis is useful for optimizing sukuk investment decision-making. Design/method/approach: This quantitative research uses data from the annual reports of companies with sukuk and sukuk rating reports. The sample is 90 sukuk companies listed on the Indonesia Stock Exchange and still outstanding during the 2021-2023 period, so 270 data were obtained. The data were analyzed with panel data regression analysis on SPSS software.Results/findings: The results show that the size of the board of commissioners and sukuk type have a positive influence on the sukuk rating, the leverage variable has a negative influence on the sukuk rating. Variables that have no influence on the sukuk rating are the number of audit committees and asset growth.Theoretical contribution: The findings of this research can improve the understanding in the field of financial accounting and become a reference for conducting further research on sukuk rating.Practice/policy contribution: This study offers investors guidance on the key factors influencing sukuk ratings, which serve as a basis for sukuk investment.Limitations: The years observed in this study are limited from 2021 to 2023.  In addition, the research object only focuses on the sukuk of companies listed on the Indonesia Stock Exchange
Evaluasi Hasil Rancangan Elemen Balok Sebuah Gedung Bertingkat Sesuai dengan SNI 2847-2013: Studi Kasus: Proyek Konstruksi Gedung Wiego Warehouse di Kota Medan Manaraja, Reformasi; Hani, Sheila; Rini, Rini
Majalah Ilmiah METHODA Vol. 14 No. 3 (2024): Majalah Ilmiah METHODA
Publisher : Universitas Methodist Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46880/methoda.Vol14No3.pp418-425

Abstract

The stages of development and establishment of a region involve several key elements that require attention, including the construction of buildings that take into account the surrounding environmental conditions. Beams are structural components that function to transfer loads from slabs to columns, acting as horizontal reinforcement frames for the building. They support floor loads and connect upper columns. The purpose of this study is to review the existing beam elements and perform a reanalysis. The technique employed involves a beam evaluation using the SNI 2847:2013 standard. The results indicate that the beam analysis calculations align with field observations. The compression reinforcement installed in the beam did not yield, categorizing the beam element as tension-dominated. The spacing of the installed flexural reinforcement in the beam is D10-200. Calculation reviews show that the tensile reinforcement comprises 14D25 and 4D25, while the total compressive reinforcement amounts to 12D25. Thus, it can be concluded that the structural design complies with the technical specifications outlined in the applicable SNI standards.
Evaluasi Kinerja Waktu dan Biaya Proyek Melalui Pengaplikasian Metode Earned Value: Studi Kasus Pada Pembangunan Ruas Jalan Sp. Armed Rumah-Great Kec. Biru-Biru Kab. Deli Serdang Laia, Sederhana; Sheila Hani; Rini, Rini
Majalah Ilmiah METHODA Vol. 14 No. 3 (2024): Majalah Ilmiah METHODA
Publisher : Universitas Methodist Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46880/methoda.Vol14No3.pp403-412

Abstract

Project delays are caused by lack of good control, which affects the time and cost of completion, in determining and knowing the time performance and cost performance of the SP. Armed-Rumah Great Road Construction Project, Biru-Biru District, Deli Serdang Regency. Using the Earned Value method. Based on the results, the results of the time performance from month 1 to month 3 of the project experienced delays, this is indicated by the Schedule Variant (SV) indicator which has a negative value of Rp. - 356,103,446.04 or Schedule Performance Index (SPI) = 0.828 <1. In the 4th month it was faster than the planned schedule, this is indicated by the Schedule Variant (SV) indicator which has a positive value of Rp. 96,183,088.74 or Schedule Performance Index (SPI) = 1.019>1. And in the 5th and 6th months the schedule performance index (SPI) value shows a value of 1 which means that the construction project work is in accordance. Meanwhile, for cost performance from month 1 to month 3, it incurred smaller costs than planned, this is indicated by the negative Cost Variance (CV) indicator of Rp. -150,413,906.18 or Cost Performance Index (CPI) = 0.920 <1. In month 4 to month 6, the Cost Variance CV value is above the X axis with a positive value of Rp. 829,560,555.98 or Cost Performance Index (CPI) = 1.110 >1 due to the addition of labor and additional working hours in project implementation.
Pengaruh Intellectual Capital dan Komposisi Dewan Komisaris Independen terhadap Nilai Perusahaan Rini, Rini; Muzhaffar, Achmad Daffi
Akuntabilitas Vol 17, No 2 (2024): Vol. 17, No. 2 (2024)
Publisher : Department of Accounting-Faculty of Economic and Business (FEB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/akt.v17i2.44141

Abstract

This study aims to examine the influence of intellectual capital and the composition of independent commissioners on the firm value. Intellectual capital is measured through the components of human capital, structural capital, and capital employed, while the composition of independent commissioners is measured based on the proportion of independent board members to the total number of board members. Firm value is measured using the Tobin's Q ratio. This study uses secondary data obtained from the annual reports of companies for the period 2019-2022. The data analysis method used is multiple linear regression. The findings of the study indicate a significant relationship between intellectual capital, board independence, and firm value. Human capital and capital employed exhibited a positive association with firm value, whereas structural capital and the proportion of independent directors on the board displayed a significant negative association
Compilation Of Bio-Language Contextual Dictionary Media: Study Of The Meaning Of Arabic Lexicon In Rejang Language Iswanto, Rahmat; Rini, Rini; Rinjiani, Vira
Ijaz Arabi Journal of Arabic Learning Vol 8, No 1 (2025): Ijaz Arabi: Journal Of Arabic Learning
Publisher : Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ijazarabi.v8i1.29697

Abstract

This article aims to design a bilingual dictionary, namely Arabic and Rejang, to preserve local culture and wisdom in Rejang Lebong Bengkulu Regency, Indonesia. This research is quantitative with a Research and Development (RD) approach. The RD approach used in this study follows the 4-D model developed by Thiagarajan, Semmel, and Semmel. The research results in this article show that the validation results of the bilingual dictionary, namely Arabic and Rejang, are categorized as very good from the validation value of the validators, namely, 4.6. In contrast, from the aspect of dictionary users with an average value of 4.2, it is categorized as good. The design of this bilingual dictionary is considered suitable for use by Arabic learners and the Rejang Lebong community, which is concerned with Arabic and Rejang.
Co-Authors Adrian Hartanto, Adrian Adzhani, Rilanda Ahmad Fikri Ahmed, Umar Aisman Aisman Alfatih, Muhammad Haidar Amilin Amilin, Amilin Anwar Kasim Ardi Ardi Ardoni Ardoni ARI SUSANTO Aulia, Fauqa Arinil Bambang Sudarsono Bambang Supeno, Bambang Bastian Nova Cesar Welya Refdi Chairina Chairina, Chairina Cherie Dinah, Cherie Dahliana, Andi Besse Daimon Syukri Dalfi, Muhammad Rizki Damiati, Liska Desiana, Lidia Dewi, Sintya Dika Setiagraha, Dika Dina, Mivtahul Dwi Handayani Dwi Sogi Sri Redjeki Efrizah, Doni Eliana, Desi Elisabeth Sitepu Enayatullah, Imam Haroki Erma, Zetria Ester Inung Sylvia, Ester Inung Esya Alhadi Euis Amalia Fadilah, Mellani Fakhri Ilham, Diky Fauzan Azima Fauziah Fauziah Felga Zulfia Rasdiana Fider Lumban Batu Fidia Wulan Sari Firdaus Firdaus Fitriyani Fitriyani Gad Datak, Gad Gea, Natalius Giawa, Herman Gowasa, Peronas Habibullah Habibullah Halwa, Haniyatul Hani, Darfi Hani, Sheila Hanura Aprilia, Hanura Hasbullah Hasbullah Hasnah Hasnah Hendra Taufik Heri setiawan Herlina Herlina Hery Widijanto Ibnu Maja Idi Warsah Imran Imran Irfan Suliansyah Irwan Irwan Irwan Muthahanas Ismayani Ismayani Ismed Ismed Izzati, Astika Ulfah Jasika, Jasika Jaya Gulo, Hendi Putra Judijanto, Loso Juhisa, Siti julian, julian Jusmawi Bustan Karsim, Karsim Khatami, Muhammad Kumalasari, Prapti Ira KURNIA KURNIA, KURNIA Kusnaningsih, Aida Kusumawardani, Diyah Hesti Laia, Dirifandi Laia, Sederhana Lin Oktris Linda Wati Lubis, Muhammad Yusuf Parlagutan Lumban Batu, Fider Luther Setiawan M Natsir Mahuli, Jenda Ingan Mahyudin Situmeang Manaraja, Reformasi Manullang, Marihot Maria Erna Kustyawati Mariyani, Mariyani Marshinta, Fransisca Ully Mimi Harni Mirna Mirna Misdawati, Misdawati Monde, Junety Muhammad Amin Suma Muhammad Luthfi Muhammad Makky Muhammad Nur MUHAMMAD SAID Muhammad Yusuf Muhibudin, Muhibudin Mursidin . Muslikah Muslikah, Muslikah Mustofa, Muhamad Arif Mustofa, Muhammad Arif Muzhaffar, Achmad Daffi Nadratuzzaman, Muh. Najib, Haifa Najib, Haifa Nasution, Ridwan Natasya, Nanda Ningsih, Erni Septia Nirwana Br. Bangun Novalia, Yefni Novizar Nazir Novizar, Novizar Noza Aflisia, Noza Nur Wachidah Yulianti, Nur Wachidah NURAENI, ANDI Nuraini Nuraini Nuraini, Putri Nurcahya, Claudia Nurhalimah Nurhalimah Nurqalbi, Nurqalbi Nurwijayanti Oksiana Jatiningsih Parinduri, Ramadha Yanti Partiwi, Partiwi Partomuan Harahap Pitaloka, Diah Priono, Joko Purbodiningrat, RM. Movta Rahendra Purnama Dini Hari Putra, Arif Rizkika Putri, Septi Kumala Putri, Tasya Agusti Rahayu, Hanum Mukti Rahmaniah, Rahmaniah Rahmat Iswanto, Rahmat RAMADHAN, BINTANG Ramadhani, Natasha Dessy Putri Ramadhani, Suci Anggraini Razali, Muhammad Reni Koja Renti Yasmar, Renti Ridho, Muhammad Sidqi Ridho, Muhammad Sidqi Ridwan Nasution Rinjiani, Vira Ririn Fatma Nanda Ririn Setyowati Ritonga, Nia Boru Robbani, Syifa Ronaldo, Reza Rosa Pratiwi, Rosa Rosniati, Veronika Rosyadah, Najla RYZKY, ACHMAD Sahadi Didi Ismanto Sahid, Muhammad Saidek, Abd Rahim Sakti, Ilham Prawidi Salam, Karta Negara sapri sapri Sayakhmad, Olimov Sayuti, A. Jalaludin Setiawati Kusnasetia, Setiawati Setyarini Santosa Sheila Hani Sibuea, Nurhalimah Siddiqoh, Siddiqoh SILVANA OKTANISA, SILVANA Siti Aminah Hasibuan Sitorus, David Humala Situmeang, Mahyudin Slamet Lestari Sugiatno Sugiatno Sujatmiko Sujatmiko Sulistiawati, Nila Sunandar, Ari Supentri Supriono Supriono Susiana Susiana Susilawati, Susilawati Suyatno Suyatno Suyuti DM, Yusnan Syafitri, Aas Syahlani, Ahmad Syaiful Anam Sylvi, Diana Syukri , Daimon Tampubolon, Manner Tangkas, Irwan Made Tania, Bella Indi Tanjung, Anggi Nur Nisa Tanjung, Yulia Tiara Tanzila, Rahmawati Taufika Hidayati Tio, Rilvi Muhammad Toibah, Toibah Tulim, Anto Tuty Anggraini Umiyati Umiyati, Umiyati Ummasyroh Ummasyroh Wahana, Syainullah Wardhani, Puspa Warhamni, Warhamni Wasitoh Meirani Wellyalina, Wellyalina Wiwik Utami Yessi Fitri, Yessi Yetti Hernaningsih Yul, Widiya Yuni Firayanti Yunus, Kurniati Yusleli Herawati Yustina, Andi Ina Yusuf, Zefanya Bernadi Zahirman, Zahirman