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A Study of E-Banking Services in Public Sector Banks in India Saraswati, Saraswati; Singh, Netra Pal
KINERJA Vol. 28 No. 1 (2024): KINERJA
Publisher : Faculty of Business and Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/kinerja.v28i1.7505

Abstract

Bankers in India provide ease of service by utilizing information technology for safe and appropriate transaction services. With this paradigm change in view, this research paper embodies the analysis of three dimensions/factors of e-banking: accessibility, convenience, and security, and the impact of these factors on customer satisfaction. The study is based on the secondary and primary data collected with a structured questionnaire from 165 respondents in the vicinity of the district of Palwal, Haryana. The public sector banks and respondents were selected using the criteria of the convenience sampling method. The data was collected on 17 statements of inherent three dimensions on a 5-point Likert scale and three statements of customer satisfaction dimension. The collected data was subjected to inferential statistics and dimension reduction/factor analysis. The results indicate a positive contribution of three latent variables towards the overall satisfaction of customers of public sector banks in India.
Exploring the hypoglycemic potential of fresh, semangit, and bosok tempe: A comparative metabolite profile Astawan, Made; Adurrasyid, Zaid; Novita, Rias R.; Damayanti, Aprilia F.; Saraswati, Saraswati; Wresdiyati, Tutik; Saithong, Pramuan; Chitisankul, Wanida T.; Putri, Sastia P.
Narra J Vol. 5 No. 2 (2025): August 2025
Publisher : Narra Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52225/narra.v5i2.2327

Abstract

Tempe, a traditional Indonesian fermented soybean product made with Rhizopus spp., is classified based on fermentation duration into fresh (two days), semangit (five days), and bosok (seven days) varieties, fermented at room temperature (28–30°C). Longer fermentation is believed to enhance its antidiabetic properties. The aim of this study was to compare the metabolite profiles and hypoglycemic activities of fresh, semangit, and bosok tempe made from germinated and non-germinated soybeans. Diabetic rat models were used to assess the effects of these tempe types on body weight, blood glucose levels, serum insulin, pancreatic β-cell count, and glycogen content in liver and muscle tissues. Metabolomic profiling was conducted using gas chromatography-mass spectrometry (GC-MS), followed by principal component analysis (PCA) to assess the influence of fermentation stage and germination. Fresh tempe, especially from germinated soybeans, had the highest moisture content. Fermentation duration significantly influenced color, texture, and pH, with bosok tempe showing the most notable changes. Tempe and gliclazide significantly reduced blood glucose in diabetic rats in vivo, with semangit and bosok tempe restoring levels close to normal. However, weight loss was not reversed. Bosok non-germinated tempe induced the highest insulin levels among tempe treatments and improved β-cell count and density to levels comparable with gliclazide. Glycogen stores in the liver and muscle were significantly restored by tempe, with bosok non-germinated tempe showing the greatest effect. GC-MS profiling identified 154 metabolites, of which 63 were annotated. Fermentation and germination shifted the metabolite profile, with bosok non-germinated tempe showing the highest diversity, including amino acids, sugars, and amines. PCA separated samples by fermentation stage, highlighting metabolite accumulation with prolonged fermentation. The findings revealed that bosok tempe from non-germinated soybeans had the highest abundance of bioactive metabolites, including isoflavones, which likely contributed to its superior antioxidant and hypoglycemic potential compared to other tempe types.
Study of Fermented Food Intervention on the Serum Lipid Profile of Hypercholesterolemia Animals Trial (Meta-analysis) Tryas, Anisha Ayuning; Astawan, Made; Saraswati, Saraswati
Indonesian Food Science and Technology Journal Vol. 8 No. 2 (2025): Volume 8. Number 2, July 2025 |IFSTJ|
Publisher : Department of Technology of Agricultural product (THP) Jambi University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/ifstj.v8i2.36353

Abstract

Abstract— Individuals with hypercholesterolemia (HC) require specific therapy, such as statin medication, to maintain their blood lipid profile (total cholesterol, triglycerides, HDL-C, LDL-C) within the normal range. In vivo, studies have shown that consuming fermented foods for a particular duration can help improve the blood lipid profile of HC animal models. However, meta-analysis studies have not investigated which type of fermented food has the most significant effect on improving the blood lipid profile. The studies included were in vivo research that examined the effects of fermented food interventions on improving the blood lipid profile in HC animal models. The results of this study indicate that fermented food interventions (both plant-based and animal-based) have a highly significant effect (p-value <0.001) on improving the blood lipid profile compared to the HC animal model group without intervention. However, the plant-based fermented food source group tends to show a more significant effect on lipid profiles than those sourced from animals.
Effect of Different Solvent on The Antioxidant Capacity of Bidara Leaves Extract (Ziziphus Spina-Christi) Rialdi, Azzahra Putri; Prangdimurti, Endang; Saraswati, Saraswati
Devotion : Journal of Research and Community Service Vol. 4 No. 6 (2023): Devotion: Journal of Research and Community Service
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/devotion.v4i6.483

Abstract

Bidara leaves (Ziziphus spina-christi) contains secondary metabolites such as flavonoids, polyphenols, saponins, triterpenoids and tannins which can be a source of antioxidants. In Indonesia, bidara leaves are used as herbal medicine by boiling fresh leaves. The products that developed from bidara leaves are health supplements and herbal teas from bidara leaves, but scientific studies about the antioxidant compounds of bidara leaves are still limited. There are antioxidant components that are non-polar, semi-polar or polar. This study examines the polarity of antioxidant compounds in bidara leaves. In this study, bidara leaves dried with a fluidized bed dryer had better chemical and physical characteristics. The results of the extraction by using various solvents (water, ethanol, ethyl acetate, and hexane) with maceration method showed that the highest antioxidant capacity was in the ethanol fraction (p<0.05). These results were measured based on the antioxidant activity parameters that DPPH scavenging, FRAP values, total phenolic, and total flavonoids. These results indicate that most of antioxidant compounds in bidara leaves have high polarity.
LUQHATAH : Pengertian Luqhatah, ketentuan dan permasalahan nya Wijaya, Delpi; Syafril, Syafril; Saraswati, Saraswati; Ikhwan, Muhammad
Jurnal Ilmiah Al-Furqan: Al-qur'an Bahasa dan Seni Vol. 11 No. 1 (2024): Jurnal Ilmiah Al-Furqan: Al-qur'an Bahasa dan Seni
Publisher : Institut Darul Quran Payakumbuh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69880/alfurqan.v11i1.83

Abstract

Abstract This research has the following objectives: to find out the meaning, luqatah, provisions and problems of luqatah itself. Luqathah is an item found in a place that does not belong to an individual. For example: a Muslim finds money or clothes on the street, because he is worried that the money or clothes will be wasted, so he takes them. Found items must be declared for at least one year. For example, when the person who found it has announced that for a year or more, the finder has not found the owner of the item, then the item may be used. Data collection used in this journal uses the library research method. By referring to primary sources such as hadith books and other secondary sources that contain and relate to the issues discussed,. Results: The similarities and differences between luqathah (found items) in Islamic law and civil law are that an item is lost from its owner and then found and taken by someone else. The loss of an item from its owner does not result in the loss of ownership of the item. The community is of course responsible for taking care to store and convey these goods to their owners as best they can. Abstrak Penelitian ini mempunyai tujuan sebagai berikut: untuk mengetahui pengertian, luqatah, ketentuan serta permasalahan-permasalahan dari luqatah itu sendiri. Luqathah adalah barang yang ditemukan ditempat yang bukan milik perorangan. Misalnya: seorang muslim menemukan uang atau pakaian dijalan, karena ia merasa khawatir uang atau pakaian itu akan sia-siakan, maka ia mengambilnya. Barang temuan harus diumumkan setidaknya selama satu tahun. Misalnya, ketika orang yang menemukan telah mengumumkan selama satu tahun atau lebih, penemu tidak juga mendapati pemilik barang, maka barang tersebut boleh dimanfaatkan. Pengumpulan data yang digunakan dalam jurnal ini menggunakan metode studi kepustakaan (library research). Dengan merujuk kepada sumber-sumber primer seperti kitab-kitab hadis dan sekunder lainnya yang mengandung dan berkaitan dengan masalah yang dibahas,. Hasil  Persamaan dan perbedaan luqathah (barang temuan) dalam hukum Islam dan hukum perdata ialah, suatu barang yang hilang dari pemiliknya lalu ditemukan dan diambil orang lain. Hilangnya sebuah barang dari pemiliknya tidak mengakibatkan kepemilikannya terhadap barang tersebut juga hilang. Masyarakat tentu saja bertanggung jawab untuk merawat menyimpan dan menyampaikan barang tersebut kepada pemiliknya semampu mereka.        
PENGARUH EFIKASI DIRI, MOTIVASI DAN KOMITMEN TERHADAP KEBERHASILAN AGRIBISNIS PETANI MILENIAL DI DAERAH ISTIMEWA YOGYAKARTA Saraswati, Saraswati; Widayanto, Budi; Puspitaningrum, Dwi Aulia
Agros Journal of Agriculture Science Vol 24, No 2 (2022): edisi Juli
Publisher : Fakultas Pertanian, Universitas Janabadra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37159/jpa.v24i2.1973

Abstract

Pertanian merupakan salah satu sektor penting pembangunan nasional. Pembangunan pertanian di Indonesia dihadapkan pada permasalahan regenerasi sumber daya manusia dikarenakan rendahnya minat generasi muda. Salah satu kunci mencapai pertumbuhan ekonomi berkualitas adalah sumber daya manusia professional, mandiri, berdayasaing dan berjiwa wirausaha. Keberhasilan usaha petani milenial diharapkan memberikan motivasi generasi milenial untuk terjun di pertanian dan berkontribusi nyata dalam pembangunan pertanian. Tujuan penelitian: menganalisis pengaruh efikasi diri terhadap motivasi, pengaruh efikasi diri terhadap komitmen, pengaruh motivasi terhadap komitmen, pengaruh efikasi diri terhadap keberhasilan agribisnis petani milenial, pengaruh komitmen terhadap keberhasilan agribisnis petani milenial, pengaruh motivasi terhadap keberhasilan agribisnis petani milenial, pengaruh efikasi diri terhadap keberhasilan agribisnis melalui komitmen petani milenial, pengaruh motivasi terhadap keberhasilan agribisnis melalui komitmen petani milenial, dan pengaruh efikasi diri terhadap keberhasilan agribisnis melalui motivasi petani milenial di Daerah Istimewa Yogyakarta. Penelitian ini merupakan penelitian kuantitatif dengan metode survey. Penentuan lokasi dan sampel menggunakan teknik purposive sampling.  Teknik analisis menggunakan analisis deskriptif dan analisis jalur dengan aplikasi SPSS 22.0 dan WarpPLS 7.0. Hasil penelitian menunjukkan bahwa efikasi diri berpengaruh positif dan signifikan terhadap motivasi, komitmen dan keberhasilan agribisnis petani milenial. Motivasi berpengaruh positif dan signifikan terhadap komitmen dan keberhasilan agribisnis petani milenial. Komitmen berpengaruh positif dan signifikan terhadap keberhasilan agribisnis petani milenial.
A Study of E-Banking Services in Public Sector Banks in India Saraswati, Saraswati; Singh, Netra Pal
KINERJA Vol. 28 No. 1 (2024): KINERJA
Publisher : Faculty of Business and Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/kinerja.v28i1.7505

Abstract

Bankers in India provide ease of service by utilizing information technology for safe and appropriate transaction services. With this paradigm change in view, this research paper embodies the analysis of three dimensions/factors of e-banking: accessibility, convenience, and security, and the impact of these factors on customer satisfaction. The study is based on the secondary and primary data collected with a structured questionnaire from 165 respondents in the vicinity of the district of Palwal, Haryana. The public sector banks and respondents were selected using the criteria of the convenience sampling method. The data was collected on 17 statements of inherent three dimensions on a 5-point Likert scale and three statements of customer satisfaction dimension. The collected data was subjected to inferential statistics and dimension reduction/factor analysis. The results indicate a positive contribution of three latent variables towards the overall satisfaction of customers of public sector banks in India.
IMPLEMENTASI GERAKAN LITERASI SEKOLAH DALAM PEMBENTUKAN KARAKTER PESERTA DIDIK SARASWATI, SARASWATI; GUNAWAN SRIDIYATMIKO, GUNAWAN SRIDIYATMIKO
Jurnal Sosialita Vol. 16 No. 2 (2021): JURNAL SOSIALITA
Publisher : Program Magister Pendidikan IPS UPY

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan untuk mendeskripsikan implementasi gerakan literasi sekolah, proses pembentukan karakter, dan mendeskripsikan implementasi gerakan literasi sekolah dalam pembentukan karakter peserta didik. Jenis penelitian ini adalah penelitian kualitatif. Penelitian ini dilaksanakan di SMA N 1 Bantul. Data primer diperoleh dari hasil wawancara dengan kepala sekolah, guru, karyawan, dan peserta didik, serta hasil observasi terhadap berbagai kegiatan yang ada di lapangan. Data sekunder diperoleh dari buku yang relevan, dokumen sekolah, arsip, dan data lain yang dimiliki sekolah. Metode pengumpulan data menggunakan wawancara, observasi dan dokumentasi. Teknik keabsahan data menggunakan triangulasi. Kesimpulan dalam penelitian ini bahwa implementasi gerakan literasi sekolah dilaksanakan dengan beberapa teknik yaitu kegiatan rutin dan insidental. Proses pembentukan karakter melibatkan semua komponen (stakeholder), termasuk komponen-komponen pendidikan itu sendiri. Penguatan pendidikan karakter dilaksanakan dengan menggunakan tiga pendekatan yaitu pendekatan berbasis kelas, sekolah dan masyarakat. Implementasi gerakan literasi sekolah dalam membentuk karakter siswa dengan kegiatan berbasis kelas, kegiatan berbasis budaya sekolah dan kegiatan berbasis lingkungan masyarakat, sedangkan karakter siswa yang ditingkatkan melalui gerakan literasi sekolah adalah disiplin, kejujuran, tanggung jawab, peduli, santun dan percaya diri.Kata kunci : gerakan literasi, pendidikan karakterThis study aims to increase social studies motivation, students' interest, and social studies learning achievement through problem-based learning methods. This type of research is classroom action research. Subjects in this study were students of class VIII H MTs Negeri 4 Bantul with 28 students. The stages in this study include four stages of planning, implementation, observation and reflection. Data collection techniques in this study used a questionnaire and observation collection. Data analysis techniques using quantitative descriptive methods with percentages. The results showed that 1) Student motivation can be improved through the problem based learning model. Evidenced by student motivation in the good category pre cycle 19 students (67.86%), first cycle 22 students (78.57%) and second cycle 26 students (92.85%). 2) Students interested can be improved through problem-based learning models. Student interest that is categorized as minimal good, in the pre-cycle 18 students (64.29%), first cycle 21 students (44.11%), cycle II 24 students (86%) 3) Social learning outcomes can be improved through problem-based learning models as evidenced by an increase in student learning outcomes, in pre-cycle the KKM value of 12 students (42.86%), first cycle 18 students (64.28 %)) and second cycle increased to 25 students (89.28%).Keywords: motivation,
Penumbuhan Kesadaran Membuang Sampah Pada Tempatnya Di Madrasah Ibtidaniyah Wahid Hasyim Nologaten Yogyakarta (The Participation Of Student's In Order To Increase Awareness Of Disposing Of Garbage In Place At Madrasah Ibtidaniyah Wahid Hasyim Nologaten) Saraswati, Saraswati; Saputra, Soleh; Maulidya, Ana; Handziko, Rio Christy
Jurnal Pengabdian Masyarakat MIPA dan Pendidikan MIPA Vol. 8 No. 1 (2024): Vol 8, No 1 (2024)
Publisher : Yogyakarta State University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/jpmmp.v8i1.25261

Abstract

AbstrakSampah menjadi permasalahan lingkungan saat ini. Jumlahnya yang sangat banyak, terutama sampah anorganik yang tidak dapat diuraikan khususnya botol plastik bekas ditambah dengan kurangnya kesadaran masyarakat akan cara mengelola sampah yang baik ataupun pemanfaatan sampah yang baik menjadi salah satu permasalahan dan jika dibiarkan dapat merusak lingkungan. Tujuan dari kegiatan ini adalah menumbuhkan kesadaran kepada masyarakat dengan pelibatan aktif dalam pemanfaatan botol plastik bekas, pemberian sosialisasi mengenai sampah organic dan anorganik dan pelatihan kepada kelompok masyarakat sasaran, terutama anak-anak sekolah pada tingkat SD/MI dalam pengelolaan sampah dan sadar lingkungan sehingga sampah-sampah khususnya anorganik yang ada bisa dimanfaatkan agar lebih bernilai guna. Kegiatan dilakukan sejak April-Mei 2019. Metode yang digunakan pada kegiatan ini adalah sosialisasi dan partisipasi aktif dari siswa. Hasil yang diperoleh dari kegiatan yang telah dilakukan menunjukkan bahwa diperoleh kesadaran siswa akan pentingnya menjaga lingkungan, siswa telah mengetahui cara pemilahan sampah, dan mengetahui cara mengelola sampah-sampah yang ada, khususnya sampah anorganik.Kata kunci : Sampah Botol Plastik, Kesadaran Siswa, Daur Ulang.Abstract            Garbage is becoming a current environmental problem. The huge amount, especially inorganic waste that cannot be deciphered, especially used plastic bottles, coupled with a lack of public awareness on how to manage good waste or the use of waste which is good is one of the problems and if left unchecked it can damage the environment. The aim of this activity is to raise awareness of the community by active involvement in the use of used plastic bottles, giving information on organic and inorganic waste and training to target community groups, especially school children at elementary or MI level in waste management and environmentally conscious so that waste - especially inorganic waste that can be used to make it more valuable. Activities are carried out from April to May 2019. The method used in this activity is socialization and active participation of students. The results obtained from the activities that have been carried out show that students' awareness of the importance of protecting the environment is obtained, students have known how to sort waste, and know how to manage existing waste, especially inorganic waste.Key words : Plastic Bottle Waste, Student Awareness, Recycling.
Implementasi Pembelajaran Berdiferensiasi dengan Model Discovery Learning pada Pelajaran Bahasa Indoneia Kelas XII di SMAN CMBBS Purlilaiceu, Purlilaiceu; Saraswati, Saraswati; Ayuningtyas, Hapsari
MENDIDIK: Jurnal Kajian Pendidikan dan Pengajaran Vol 10 No 1 (2024)
Publisher : Universitas Mathla'ul Anwar Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30653/003.2024101.441

Abstract

This research aims to determine the implementation of differentiated learning using the discovery learning model in Indonesian language subjects with the theme of local wisdom in the culinary field in each city or region in Banten Province. The research approach and method determined is qualitative description with the aim of describing and explaining the phenomena that are occurring in detail. The research results show that there are positive changes for both teachers and students when implementing differentiated learning. This can be proven by: 1) the emergence of teacher innovation and creativity in preparing learning, 2) being able to map students' abilities based on learning styles, learning readiness and learning environment by carrying out cognitive diagnostics through website-based applications. 3) obtain a thorough understanding of the material mastered by students even though the presentation of the content is different in each group. 4) increased self-confidence, motivation and collaboration have proven that students play an active role in learning so that the development of the Pancasila Learner Profile has emerged. 5) creating good cooperation between teachers and students