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A Comparative Study of Fintech Literacy between Generation Y and Generation Z Nurhayati, Netti Siska; Yuliawati, Tia; Nugraha, Nugraha; Sari, Maya
Jurnal Ekonomi Manajemen Vol 11, No 2 (2025): November 2025
Publisher : Program Studi Manajemen Fakultas Ekonomi dan Bisnis Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jem.v11i2.17789

Abstract

This study examines whether significant differences in fintech literacy exist between Generation Y and Generation Z in the context of increasing digital financial transformation. The use of technology in the financial sector is known as financial technology (fintech). The purpose of this study is to determine whether there are differences in Fintech Literacy between generation Y and generation Z, given that these two generations absorbed internet technology in their youth to adulthood, in the mid-1990s to 2000s. In this study, Fintech Literacy refers to the Diffusion of Innovation (DOI) theory and the Technology Acceptance Model (TAM) conceptual model. In order to answer the research questions, questionnaires were distributed to 100 generation Y respondents and 183 generation Z respondents. Hypothesis testing was carried out using the Mann-Whitney Test, adjusted for the ordinal scale data form. The results of the hypothesis test show that there is no significant difference in Fintech Literacy between generation Y and generation Z. Beyond its empirical contribution, this study enriches the fintech literacy literature by demonstrating that generational differences may be less pronounced than commonly assumed, particularly when both cohorts are exposed to similar technological environments
A Moderated Mediation Analysis of Islamic Bank Stability in Asian OIC Countries Amalia, Shendy; Heryana, Toni; Waspada, Ikaputera; Sari, Maya; Ho, Thuy Tien
Jurnal Reviu Akuntansi dan Keuangan Vol. 16 No. 1 (2026): Jurnal Reviu Akuntansi dan Keuangan
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jrak.v16i1.42823

Abstract

Purpose: This study investigates the relationship between asset diversification and Islamic bank stability by incorporating profitability as a mediating variable and managerial ownership as a moderating variable. The study aims to determine whether diversification contributes to financial resilience and whether internal governance mechanisms reinforce this effect. Methodology/approach: Using panel data from Islamic banks in OIC Asian countries during 2020–2024, the analysis applies Hayes’ PROCESS Model 15, allowing the simultaneous examination of mediation and moderation effects within a single analytical framework. Findings: The results show that managerial ownership plays a decisive role in influencing Islamic bank stability, with evidence pointing to a destabilizing governance effect. Conversely, asset diversification and profitability do not demonstrate a meaningful relationship with stability. Additional analysis indicates that profitability does not mediate the diversification stability nexus, and managerial ownership does not condition these relationships. These findings highlight the dominant role of governance incentives over diversification strategies in explaining stability outcomes among Islamic banks. Practical implications: The study enriches the agency–governance discourse in Islamic finance and offers policy insights for strengthening the long-term resilience of Islamic banks. Originality/value: The research introduces a moderated mediation framework integrating diversification, profitability, and managerial ownership using Hayes’ PROCESS Model 15 in the context of OIC Asian Islamic banks.
AMBIENT PM2.5 CONCENTRATION AND THE RISK OF HYPERTENSION IN ADULTS: A META-ANALYSIS STUDY Achmad Rizki Azhari; Maya Sari; Osep Yasier Almunsiri; Nur Afifah Harahap
Proceeding of Banten Internasional Conference on Health Advancement and Research Vol. 1 No. 1 (2026): Proceeding Banten International Conference on Health Advancement & Research (BI
Publisher : Poltekkes Kemenkes Banten

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

Abstract

Long-term exposure to ambient fine particulate pollution (PM2.5) has been associated with cardiovascular diseases. Hypertension, a major risk factor for cardiovascular diseases, has also been hypothesized to be linked to PM2.5. Annual average PM2.5 concentrations were estimated for each community using satellite data. We applied two-level logistic regression models to examine the associations, and estimated hypertension burden attributable to ambient PM2.5.
Analysis of Financial Distress using the Altman Z-Score Model, Springate Model, Zmijewski Model, and Grover Model Frido Sarita Simatupang; Ikaputra Waspada; Maya Sari; Tia Yuliawati
International Journal of Quantitative Research and Modeling Vol. 5 No. 2 (2024): International Journal of Quantitative Research and Modeling
Publisher : Research Collaboration Community (RCC)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijqrm.v5i2.695

Abstract

The tight competition in the business world in the automotive industry that occurs in the current era of technology and development means that companies must have broad and clever thinking to keep the company from the brink of failure. During this research period there was a decline in automotive sales and company profits in the automotive and component sub-sectors listed on the IDX for the 2016-2020 period. This research aims to find out which prediction model is the most accurate and precise in predicting financial difficulties using model accuracy tests. The population in this study was 13 companies, then a purposive sampling technique was used to obtain 10 companies that were included in the research criteria. The results of this research show that the Altman Z-Score, Springate, Zmijewski and Grover models have different results, the Altman model predicts that there are 5 companies that are indicated to be healthy, 3 companies are in the Gray area, and 2 companies are indicated to have the potential to go bankrupt, the Springate model predicts that there are 5 companies healthy and 5 unhealthy companies, the Zmijewski model predicts that there are 9 healthy companies and 1 company that is indicated to have the potential to go bankrupt, the Grover model predicts that there are 7 healthy companies and 3 companies that are indicated to be unhealthy. With these results, the financial distress model with the highest accuracy is the Zmijewski model with an accuracy level of 92%, while the accuracy levels of the Altman Z-Score, Springate, and Grover models are 76%, 44%, and 76% respectively. With these results, the Zmijewski model is the most suitable model for use in automotive and component sub-sector companies in 2016-2020.
Investor Behavioral Bias and Mutual Fund Investment Decisions: Implications for Culturally Sensitive Investor Education in Indonesia Yusnita, Rita Tri; Nugraha, Nugraha; Disman, Disman; Sari, Maya; Aminullah, Zakariya Pamuji
IJORER : International Journal of Recent Educational Research Vol. 7 No. 2 (2026): March
Publisher : Faculty of Teacher Training and Education Muhammadiyah University of Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46245/ijorer.v7i2.1326

Abstract

Objective: This study examines the effect of behavioral bias on mutual fund investment decisions in Indonesia by positioning attitude toward risk as a mediating variable and cultural orientation as a moderating variable, with implications for culturally sensitive investor education. Methods: A quantitative causal–explanatory design was employed using primary data from a survey of 300 individual mutual fund investors selected through purposive sampling. Data were analyzed using Confirmatory Factor Analysis and Hayes PROCESS macro Model 15 in SPSS to test direct, indirect, and moderated relationships among behavioral bias, attitude toward risk, cultural orientation, and investment decisions. Results: Behavioral bias significantly influences investment decisions both directly and indirectly through attitude toward risk. Cultural orientation moderates these relationships by weakening bias-driven effects under stronger cultural orientations, confirming a moderated–mediated model integrating psychological and sociocultural determinants of investment behavior. Novelty: This study offers a novel integrative framework combining behavioral finance and cultural finance perspectives while explicitly linking them to investor education. It highlights how behavioral bias, risk attitude, and cultural orientation should inform the design of culturally sensitive financial literacy and advisory strategies, providing an evidence-based foundation for developing investor education programs that address behavioral and cultural factors in mutual fund decision-making.
Pengaruh Pemberian Kompres Ice Gel untuk Menurunkan Nyeri Saat Pemasangan Infus di Ruang Perawatan Anak RSUD dr La Palaloi Ilahi, Wahyu; Astuti, Fitri Diana; Sholihah, Wardatus; Sari, Maya; Dewi, Intan Kumala
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.6542

Abstract

Prosedur pemasangan kateter intravena merupakan sumber nyeri dan ketakutan utama pada pasien anak di rumah sakit. Nyeri yang tidak terkelola dapat menyebabkan kecemasan, fobia jarum, dan perilaku tidak kooperatif. Intervensi non-farmakologis seperti aplikasi dingin direkomendasikan sebagai komponen penting dalam perawatan atraumatik. Penelitian ini bertujuan untuk menganalisis efektivitas aplikasi kompres ice gel dalam menurunkan tingkat nyeri pada pasien anak selama prosedur pemasangan kateter intravena. Penelitian ini menggunakan desain quasi-experiment dengan pendekatan one group pre-test post-test. Sampel terdiri dari 18 pasien anak usia 4 bulan hingga 18 tahun di Ruang Anak RSUD dr. La Palaloi yang dipilih dengan teknik total sampling. Tingkat nyeri diukur sebelum dan sesudah intervensi menggunakan instrumen yang sesuai usia (FLACC, Wong-Baker, atau NRS). Analisis data menggunakan Uji Wilcoxon karena data tidak berdistribusi normal (Uji Shapiro-Wilk, p<0.05). Terdapat penurunan skor nyeri yang signifikan setelah pemberian ice gel. Rerata skor nyeri turun dari 7.24 (SD=2.33) kategori berat menjadi 4.12 (SD=1.86) kategori sedang (p=0.001). Analisis per kelompok usia menunjukkan efektivitas terbaik pada anak usia 4-12 tahun. Selain itu, observasi kualitatif menunjukkan penurunan durasi menangis anak dan peningkatan kepuasan orang tua setelah intervensi. Aplikasi ice gel terbukti efektif sebagai intervensi non-farmakologis untuk menurunkan nyeri prosedural pemasangan infus pada anak. Intervensi ini layak diimplementasikan sebagai bagian dari protokol standar perawatan untuk meningkatkan kenyamanan, mengurangi distress, dan mewujudkan prinsip atraumatic care di ruang rawat anak.
Analysis Of Patient Satisfaction With The Implementation Of Bedside Handover In The Inpatient Ward Of Eka Hospital PIK Sari, Maya
Jurnal Kesehatan Vol. 15 No. 01 (2026): Jurnal Kesehatan: Volume 15, Issue 01, April 2026
Publisher : STIKES Hesti Wira Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63323/jkes.v15i01.270

Abstract

Introduction: Effective clinical communication is a critical determinant of patient safety and satisfaction in healthcare services. Bedside handover, a structured communication process conducted at the patient’s bedside, is widely recommended to support patient-centered care. However, its implementation remains inconsistent, particularly in private hospital settings. This study aimed to analyze the relationship between bedside handover implementation and patient satisfaction in Eka Hospital PIK. Method: This study employed an analytical observational design with a cross-sectional approach. A total of 60 inpatients were selected using a total sampling technique. Data were collected using a bedside handover observation checklist based on SBAR standards and a modified version of the Newcastle Satisfaction with Nursing Scale (NSNS). Data were analyzed using the Chi-square test with a significance level of p < 0.05. Results: The majority of bedside handover practices were categorized as good (56.7%), while patient satisfaction levels were predominantly high (61.7%). Statistical analysis revealed a significant relationship between bedside handover implementation and patient satisfaction (p = 0.002). Conclusion: Bedside handover has a significant influence on patient satisfaction. Strengthening communication quality and enhancing patient involvement are essential strategies to improve healthcare service outcomes.
FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT BELANJA MASYARAKAT DI PASAR TRADISIONAL STUDI KASUS: PASAR TRADISIONAL KECAMATAN NGAMBUR, KABUPATEN PESISIR BARAT Muhammad Luthfi; Maya sari
Jurnal Ekonomi Kreatif Indonesia Vol. 4 No. 1 (2026): January
Publisher : PT. Tangrasula Tekno Kreatif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61896/jeki.v4i1.162

Abstract

ABSTRAK Pasar tradisional masih berperan strategis dalam mendukung aktivitas ekonomi masyarakat dan menyediakan kebutuhan pokok harian. Meski demikian, tingkat ketertarikan konsumen berbelanja di pasar tradisional dipengaruhi sejumlah elemen yang perlu diteliti secara empiris. Penelitian ini difokuskan untuk menguji pengaruh harga barang, mutu produk, serta posisi strategis pasar terhadap minat belanja pembeli di Pasar Tradisional Kecamatan Ngambur, Kabupaten Pesisir Barat. Pendekatan kuantitatif diterapkan melalui survei dengan sampel 77 responden konsumen yang dipilih secara random. Pengumpulan data primer menggunakan kuesioner, dianalisis dengan Partial Least Squares–Structural Equation Modeling (PLS-SEM) melalui software SmartPLS 4.0. Temuan riset mengindikasikan bahwa mutu produk dan aksesibilitas lokasi memiliki pengaruh positif signifikan terhadap minat belanja, sementara faktor harga tidak menunjukkan pengaruh yang bermakna. Fakta ini menggambarkan prioritas konsumen lebih condong pada kualitas barang dan kemudahan menjangkau lokasi belanja. ABSTRACT Traditional markets still play a strategic role in supporting community economic activities and providing daily necessities. However, the level of consumer interest in shopping at traditional markets is influenced by a number of factors that require empirical research. This study focuses on examining the influence of product prices, product quality, and the market’s strategic location on shoppers’ interest in the Traditional Market of Ngambur Subdistrict, Pesisir Barat Regency. A quantitative approach was applied through a survey of 77 randomly selected consumer respondents. Primary data was collected using a questionnaire and analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) via SmartPLS 4.0 software. The research findings indicate that product quality and location accessibility have a significant positive influence on shopping interest, while the price factor does not show a significant influence. This fact illustrates that consumer priorities lean more toward product quality and ease of access to shopping locations.
Kritik Sosial dalam Novel Belenggu Karya Armijn Pane Sari, Maya; Zulfadhli, Zulfadhli
TSAQOFAH Vol 6 No 3 (2026): MEI
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/tsaqofah.v6i3.9070

Abstract

This study aimed to describe the forms of social criticism in the novel Belenggu by Armijn Pane, encompassing criticism of gender injustice, family disorganization, and cultural shift. It employed a descriptive qualitative approach in literary studies, with data consisting of linguistic units (words, phrases, clauses, and sentences) drawn from character dialogues and the narrator’s discourse that represent social criticism in the text. The researcher served as the main instrument through intensive reading, note-taking, and data classification. Data were collected through close reading, systematic note-taking, and the inventory of relevant quotations, while data validity was ensured using theoretical triangulation. Data analysis was conducted by grouping the findings according to the forms of social criticism and then interpreting them descriptively in line with the social context underlying the text. The results showed that the novel Belenggu contains criticism of a patriarchal structure that restricts women’s roles, fractures in family relationships caused by weak emotional communication, and the dominance of Western culture that displaces local cultural values. Overall, the novel reflects the dynamics of social change in Indonesian society during a transitional period toward modernity through its representation of gender conflict, family crisis, and cultural transformation.
Pengaruh Debt Ratio, Long Term Debt to Equity Ratio dan Kepemilikan Institusional Terhadap Return on Asset pada Perusahaan Sub Sektor Makanan dan Minuman yang Terdaftar di Bursa Efek Indonesia Jufrizen, Jufrizen; Putri, Aghnia Meilana; Sari, Maya; Radiman, Radiman; Muslih, Muslih
JURNAL MANAJEMEN MOTIVASI Vol 15 No 1 (2019): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (231.798 KB) | DOI: 10.29406/jmm.v15i1.1376

Abstract

This study aims to determine the effect of Debt Ratio, Long Term Debt to Equity Ratio, and Institutional Ownership on Return On Asset both partially and simultaneously in the Food and Beverage Sub-Sector companies listed on the Indonesia Stock Exchange. The approach used in this study is an associative approach. The population in this study were eighteen companies and thirteen companies were used as samples in the Food and Beverage Sub-Sector listed on the Indonesia Stock Exchange and components and observations made over five years starting from 2013-2017. Data collection techniques in this study used multiple regression analysis. The results of this study prove that partially or simultaneously Debt Ratio, Long Term Debt to Equity Ratio, and Institutional Ownership have no significant effect on Return On Assets in companies in the Food and Beverage Sub-Sector listed on the Indonesia Stock Exchange for the period 2013-2017.
Co-Authors ,, Erwansyah Abdul Aziz, Nor Farradila Abdul Hamid Abdul Muhaimin Elyusufi Abdul Rozak Achmad Rizki Azhari Ade Gunawan Ade Gunawan Adilla Bahri Lubis, Nur Afdhal Surya Hamid Agus Rahayu Agustin, Roro Rian Agustini, Kamelia Agustinus Ngadiman Ahiase, Godwin Ahmad Afandi Ahmad Sabri Ahmad Sabri Aidhya Irhash Putra Akma Khairunnisa Al Muna, Nuna Alfiana, Rinta Alhadi, Fahmi Ali Hasan Al Bahar Ali Usman, Ali Allenidekania Allenidekania Alwinda Manao Amalia, Shendy Aminah Aminah Amirah, Eva Ammar, Muflih Ampomah, Philipina Anang Shophan Tornado Anayati, Wan Andriana, Denny Andrieta Shintia Dewi Anggi Julianti Anita, Apriliawati Annisa Nabila Antonius Antonius Arfina, Angga Arianto, Tezar Arifin, Adip Arista, Dora Arman Bemby Sinaga Arrum Dwi Wahyuni Asana, Annur Ramadhani Asih Rahayu Ajeng Agesti Askolani Askolani, Askolani Asma Asma Asriani, Elza Astuti, Fitri Diana Asya, Shadrina Aulia Rahman Harahap Awudu, Shaibu Ayu Juni Sihombing Ayu Nurwitasari Aziza Maharani Azti, Tengku Mutiara Baehaqi Bahri, Aisyah Amanda Baihaqqi, Mhd Anggi Baihaqqy, Mochammad Rizaldy Insan Balang, Fransiskus Barokah, Tetty Baso Pallawagau Budhi Pamungkas Gautama, Budhi Budiharto, Toto Caesarya, Sesy Cahyaningsih, Desi Cahyaningtyas, Christian Chairul Furqon, Chairul Chandra, Dicky Chatarina Umbul Wahyuni Ciptagustia, Annisa Dabi, Rowland Seyram Koku Daviq Chairilsyah Davu Raissa Elazar Dedy dedy dedy, dedy Defung, Felicity Desi Desi, Desi Destrinelli Destrinelli Desy Tri Anggarini Dewi, Intan Kumala Dian Kurnianingrum, Dian Dibias Lazuardi Maulid Dinda Adela Disman Disman Disman Disman, Disman Diwa Ardhaza Dona Afriyani Donal Nababan Dyan Eka Tamara Edi Suryadi, Edi Edisah Putra Nainggolan Eka Nurmala Sari Eko Prihandono Eli Ratni Elni Fatimah Elviana Elviana, Elviana Elvina Sari Ema Nur Amalia Endah Wahyuni Erika, Friti Sinta Erric Wijaya, Erric Erwan Efendi Euis Bandawaty Fachrur Rozi Fajar, Pipih Nurul Fajri, Arinal Fanji Wijaya Fauziah, Sheilla Nurul Febri Nur Salamah Febrimeli, Dwi Febtrina, Rizka Feskaharni Alamsjah Feti Karfiati Memed Fidiana, Fidiana Fikri, Rizal Firman Ganda Manik Fitmawati Fitmawati Frido Sarita Simatupang Fuad Muchlis Gaol, Liska Yuni Br Lumban Ghotan Rolandi Ginting, Intan Anisa Gudiato, Candra Gunawan, Fany Gusmaneli Gusmaneli Gusmita Zalianti Habiddin Hairani, Debby Riana Hakiki, Iqbal Hanafi Nasution Handayani, Oktavia Hanif, Faizira Nur Hanifah Yusuf Harahap, Yanti Novita Hardita, Lisha Febrianty harisandi, Prasetyo Harun, Muhammad Fiqri Hasibuan, Ira Maulida Sari Haugesti Diana Henny Herwina Heny Hendrayati HERI SUSANTO Herliani Herliani Heryana, Toni Heskia, Carlo Hidayat, Arman Hilman Firmansyah, Hilman Hilman, Shinta Indriawati Hindriyanto Dwi Purnomo Ho, Thuy Tien Hukmi Hukmi, Hukmi Husnul Khatimah Ibnu Rawandhy N. 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