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THE EFFECT OF FINANCIAL LITERACY AND SOCIOECONOMIC BACKGROUND ON STUDENTS' FINANCIAL EDUCATION AT SMK PAB 2 HELVETIA Fadlan, Ahmad; Suhendi, Suhendi; Widya, Atika
PROCEEDING OF INTERNATIONAL CONFERENCE ON EDUCATION, SOCIETY AND HUMANITY Vol 3, No 1 (2025): First International Conference on Education, Society and Humanity
Publisher : PROCEEDING OF INTERNATIONAL CONFERENCE ON EDUCATION, SOCIETY AND HUMANITY

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Abstract

This research investigates the effect of financial literacy and socioeconomic background on students' financial education at SMK PAB 2 Helvetia. Financial literacy is increasingly recognized as an essential skill for managing personal finances, yet many students, particularly in vocational schools, face challenges in understanding and applying key financial concepts. The study highlights the role of socioeconomic factors, such as family income and parental education, in shaping students' financial literacy. A quantitative approach was employed, with a sample of 50 students from diverse socioeconomic backgrounds. The data was collected using a structured survey that measured financial literacy across budgeting, saving, investing, and debt management. The results, analyzed using ANOVA, reveal that students from higher-income families had significantly better financial literacy scores than those from middle- or low-income families. The study suggests that targeted financial education programs are essential for improving financial literacy, particularly for students from disadvantaged backgrounds. This research emphasizes the need for inclusive and accessible financial education tailored to the varying socioeconomic contexts of students.
Perancangan Game Edukasi Anak Usia Dini Menggunakan Unity Sulthan, Imada; Asqia, Misna; Suhendi, Suhendi
DBESTI: Journal of Digital Business and Technology Innovation Vol 2 No 2 (2025): November, 2025
Publisher : LPPM STT Terpadu Nurul Fikri

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Abstract

The advancement of digital technology offers new opportunities in early childhood education, particularly for young learners who respond best to visual, auditory, and play-based activities. However, conventional teaching methods often fail to accommodate these characteristics, leading to decreased engagement and increased boredom. This study aims to design a digital educational game that is enjoyable, interactive, and developmentally appropriate to support the learning of basic literacy skills. The research addresses three key issues: designing a game that is relevant to early childhood needs, developing it effectively, and evaluating user responses. A qualitative approach was employed through observation, interviews, and documentation. Testing was conducted by observing children’s reactions during gameplay and exploring their learning experiences. The findings show improvements in children’s abilities, as indicated by increased post-test scores, suggesting that digital educational games can strengthen interest, focus, and comprehension of literacy concepts. In conclusion, interactive digital games serve as an effective alternative learning tool for early childhood education.
Peran Kedalaman Keuangan Islam dalam Menghubungkan Tata Kelola dan Ketahanan Ekonomi: Bukti dari 26 Anggota IFSB Novianti, Catur; Elina, Riskiana; Zain, Nurafifah; Suhendi, Suhendi; Yulianti, Yulianti
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi Vol 17 No 2 (2025)
Publisher : Accounting Department, Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ekspansi.v17i2.6733

Abstract

This study aims to analyze the effect of Institutional Quality, Economic Freedom, and Technology on Economic Resilience with Islamic Financial Depth (IFD) as a mediating variable in 26 member countries of the Islamic Financial Services Board (IFSB) during the period 2014-2023. This study uses a quantitative approach with panel data regression method and Sobel Test mediation test. The analysis shows that Institutional Quality has a significant direct effect on Economic Resilience, but has no significant effect on IFD. Meanwhile, Economic Freedom shows a significant indirect effect on Economic Resilience through the mediation of IFD. In contrast, Technology does not show a significant effect either directly or indirectly on Economic Resilience. These results confirm that the depth of the Islamic financial sector plays an important role as an intermediary mechanism in strengthening the influence of economic policy on national economic resilience.
The Effect of Socioeconomic Factors and Financial Knowledge on The Financial Literacy of Generation Z at SMK PAB 2 Helvetia Ahmad Fadlan; Suhendi, Suhendi; Widya, Atika
Journal of Management, Economic, and Accounting Vol. 4 No. 2 (2025): Juli-Desember
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v4i2.1084

Abstract

This study aims to analyze the impact of socioeconomic factors and financial knowledge on the financial literacy of Generation Z at SMK PAB 2 Helvetia. This research uses a quantitative method with a descriptive and explanatory approach to measure and analyze the influence of two independent variables on the dependent variable. The population in this study consists of all Generation Z students at SMK PAB 2 Helvetia, ranging from grade X to grade XII. The sample consists of 100 respondents selected randomly and meeting the research criteria. Data collection was conducted through a survey method with a questionnaire distributed to the selected students. The results of the study indicate that socioeconomic factors have a significant effect on financial literacy, while financial knowledge does not show a significant impact on financial literacy among Generation Z at SMK PAB 2 Helvetia. These findings highlight the importance of socioeconomic factors in improving financial literacy among students, while financial knowledge requires a more in-depth approach in its teaching.
Post-Covid-19 Disposible Income Resistance Against Community Welfare In Regency Aceh Singkil Rosliana, Rosliana; Khamilah Siregar, Oktarini; Azwar Hasibuan, Hasrul; Hidayat, Rahmat; Samrin, Samrin; Suhendi, Suhendi; Novalina, Ade
International Journal of Science, Technology & Management Vol. 3 No. 6 (2022): November 2022
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v3i6.663

Abstract

The purpose of the study was to examine how much resilience the community's disposable income was due to COVID-19, and the factors for increasing farmer productivity in Tanah Bara Village, Gunung Meriah District based on the SEM model. The main problems studied are the decline in the resilience of disposable income due to lack of capital in opening wider agricultural land, soil fertility which is increasingly polluted which causes unable to cultivate crops, narrow land cannot increase the area of ??land owned, seed quality is not good. which causes crop failure or poor yields, the number of plant pests that cause death and does not produce and the lack of human resources in agricultural and plantation management The analytical model used in Confirmatory Factor Analysis (CFA) to see the causal effect of several independent variables, namely the quality of fertilizer , capital, soil fertility, seed quality, technology, pests, number of workers to increase farmer productivity in Tanah Bara Village, Gunung Meriah District. The results showed that there were 3 factors that influenced the income and welfare of the community, namely factor 1 which consisted of the quality of fertilizer, capital, soil fertility and labor. Factor 2 which consists of seed quality and technology and factor 3 which consists of pests.
Public Service Digital Transformation Model In Supporting The Development Of A New Suro Village, Suro Makmur District Darliansyah, Darliansyah; Abdiyanto, Abdiyanto; Rusiadi, Rusiadi; Novalina, Ade; Nazliana Nasution, Lia; Suhendi, Suhendi
International Journal of Science, Technology & Management Vol. 3 No. 6 (2022): November 2022
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v3i6.667

Abstract

The purpose of this study is to predict the increase in development and public services in Suro Baru Village, Suro Makmur District based on the SEM model. The analytical model used in Structural Equation Modeling (SEM) . Questionnaire data analysis will be processed using the SEM method with the IBM-SPSS-AMOS program. The results of the study show that 1) technology directly has a positive influence and significant to development in Suro Baru Village, Suro Makmur District, Aceh Singkil Regency. 2) Directly, infrastructure facilities have a positive and positive influence significant to development in Suro Baru Village, Suro Makmur District, Aceh Singkil Regency. 3) The potential has no influence on public services in Suro Baru Village, Suro Makmur District, Aceh Singkil Regency. 4) Directly technology has a positive influence and significant to public services in Suro Baru Village, Suro Makmur District, Aceh Singkil Regency. 5) Directly, infrastructure facilities have a positive and positive influencesignificant to public services in Suro Baru Village, Suro Makmur District, Aceh Singkil Regency. 6) Directly the potential to have a positive and significant influence on public public services in Suro Baru Village, Suro Makmur District, Aceh Singkil Regency. 7) Indirectly technology has a positive influence and significant to public services through development in Suro Baru Village, Suro Makmur District, Aceh Singkil Regency. 8) Indirectly, infrastructure has a positive and positive influence significant to public services through development in Suro Baru Village, Suro Makmur District, Aceh Singkil Regency. 9) Indirectly the potential to have a positive and significant influence on public public services through development in Suro Baru Village, Suro Makmur District, Aceh Singkil Regency.
Strategi Konten Visual dalam Pemasaran Digital: Studi Kasus Akun Instagram Sorai Merchandise Putriajni, Anyelir Salsabila; Suhendi, Suhendi; Saputra, Nugroho Dwi
DBESTI: Journal of Digital Business and Technology Innovation Vol 2 No 2 (2025): November, 2025
Publisher : LPPM STT Terpadu Nurul Fikri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54914/dbesti.v2i2.1987

Abstract

Instagram has become a primary platform in visual-based digital marketing strategies. This study aims to analyze the influence of visual design content on the effectiveness of digital marketing on Sorai Official Merchandise's Instagram account. A quantitative method was applied by distributing questionnaires to 129 followers of the account. The data were analyzed through validity and reliability tests, simple linear regression, and partial t-test. The results show that visual design content significantly affects digital marketing effectiveness, with a coefficient of determination (R²) of 55.6% and a significance value of < 0.001, which is under 0.05. Visual elements such as color, typography, illustration, and composition shape audience perception, encourage interaction, and influence purchase decisions. This research highlights the importance of a consistent and appealing visual content strategy to enhance the effectiveness of social media marketing.
The Meaning and Implementation of Muṣāfaḥah in Islamic Social Interaction: A Moral and Sharia Perspective Abdul Shomad; Ahmad Basuni; Suhendi, Suhendi
Values: Jurnal Kajian Islam Multidisiplin Vol. 3 No. 1 (2026)
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/values.v3i1.141

Abstract

Social interaction is a crucial aspect of human life and plays a strategic role in building harmonious, compassionate, and dignified relationships. From an Islamic perspective, social interaction must be based on faith, morals, and sharia, and reflect brotherhood and moral values. One recommended form of interaction is shaking hands (muṣāfaḥah), which not only serves as a symbol of respect and affection but also has a spiritual dimension in strengthening brotherhood. This study aims to analyze the meaning, purpose, and implementation of the practice of muṣāfaḥah in Islamic social interaction, including the differing views of Islamic scholars regarding the ruling on shaking hands between members of the opposite sex and its implications for the formation of morality, discipline, and respect in students. The method used was qualitative research with a library research approach. Data were obtained from the Quran, hadith, classical and contemporary fiqh books, as well as previous research and related academic literature. The analysis was conducted descriptively thematically with data reduction, narrative presentation, and conclusion drawing, and validated through source triangulation. The results of the study indicate that muṣāfaḥah plays an important role in fostering brotherhood, compassion, and eliminating negative prejudice. From a legal perspective, the Shafi'i school of thought prohibits shaking hands between men and women who are not mahram unless a barrier is used, while the Hanbali school of thought considers this practice makrooh (disliked) with certain exceptions. Practical implementation emphasizes the sharia context and the principle of caution so that muṣāfaḥah can be a means of strengthening brotherhood, maintaining honor, and fostering social morals in accordance with Islamic principles. This study provides theoretical and practical contributions to Islamic education in formulating guidelines for safe, dignified social interactions that are relevant to the needs of contemporary learners.
Design of Green House Information System Using Virtual Reality Suhendi, Suhendi; Muksin, Lu’lu-Ul; Maulana, Reza; Kautsar, F Rachmat; Ridhwan, Fajar Ainur
International Journal of Business and Management Technology in Society Vol. 1 No. 2: December 2023
Publisher : Direktorat Riset dan Pengabdian Kepada Masyarakat, Institut Teknologi Sepuluh Nopember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12962/j30254256.v1i2.2418

Abstract

Purpose – The aim of this research is to create a hydroponic greenhouse that can be viewed virtually. Methodology – The research method used is the multimedia development life cycle (MDLC) with stages of concept, design, asset creation, asset assembly, internal testing, and distribution for limited testing. Findings – The findings obtained were successful in creating a hydroponic greenhouse application. Originality – The originality of this research is the application of hydroponic greenhouses that can be enjoyed virtually by students and the public. Research limitations – The research limitations in this study are the VRBox tool which is still limited because it still uses Google Cardboard in terms of VR features. Practical Implications – This research is expected to have implications for application in schools to view hydroponic greenhouse rooms virtually. Social Implications – The social implications of this research are that it is useful for students and the community to see hydroponics virtually.
Strategy for Developing Quality Of Work Life To Enhance Employee Engagement at PT XYZ Mastra, Chika Asgara; Novianti, Tanti; Suhendi, Suhendi
Indonesian Journal of Multidisciplinary Science Vol. 5 No. 4 (2026): Indonesian Journal of Multidisciplinary Science
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/ijoms.v5i4.1247

Abstract

This study examines the implementation of Quality of Work Life (QWL) factors to enhance employee engagement at PT XYZ. Using a quantitative descriptive approach with purposive sampling of 52 respondents comprising marketing and non-marketing employees, the research employed Importance Performance Analysis (IPA) and Chi-Square tests to evaluate the relationship between QWL factors and employee satisfaction. Results indicate that while employees demonstrate high intrinsic motivation and work satisfaction, collaborative communication and long-term commitment require improvement. IPA analysis revealed that career development and compensation are critical priorities for the marketing division, requiring immediate intervention, while communication, occupational health, and conflict resolution represent strengths that should be maintained. Chi-Square testing showed that most QWL factors have no significant relationship with employee tenure or education level, except for conflict resolution and workplace safety, which demonstrated significant correlations with employee profiles. The study concludes that strategic improvements in career development, compensation, workplace safety, and adaptive conflict resolution mechanisms are essential for enhancing employee engagement and reducing turnover rates at PT XYZ.
Co-Authors , Oktarini Khamilah Siregar AA Sudharmawan, AA Abdiyanto Abdiyanto Abdul Shomad Adamy, Laila Ade, Ade Saputra Adianti, Vivi Afif, M Nur Agus Prasetyo Ahmad Aminudin Ahmad Basuni Ahmad Fadlan Ahmad Madkur Ahmad Ramadhan Arbi Dimyati Asih Fitriana Dewi, Asih Fitriana Asqia, Misna Astuti, Ismadiyanti Purwaning Azwar Hasibuan, Hasrul Budiman Budiman Damayanti, Neng Reni Anggia Darliansyah, Darliansyah Dewi Arianingrum, Meira Dewi Mahrani Rangkuty Efendi, Bakhtiar Efendi, Bhaktiar Efendi, Niko Elina, Riskiana Entang, Mohammad Fadhila, Salma Syahnur Fadlan, Ahmad Fahmi, Alm. Idqan Febriani Laili, Afini Fitria Anisa, Risa Ghifar, Azqi Nurhidayatul Hakim, Nasrul Hidayatullah, Muhammad Ikhsan Hifni Septina Carolina, Hifni Septina Imron Nugraha, Imron Nugraha Ismail, Depid Karo, Ruth Silvania Br Kautsar, F Rachmat Khairuddin - Khoirunnisa, Tazkia Kusdi Prijono Lia Nazliana Nasution Ma'arif, Mochamad Syamsul Martinus Tukiran Mastra, Chika Asgara Ma’arif, M. Syamsul Mirantika, Mirantika Mohamad Syamsul Ma’arif Muh Syaiful Romadhon Muksin, Lu’lu-Ul Muslim, Sarip Mustika Aji, Nur Mutiara Annisa Nana Mulyana Nasrulloh, Nauval Naveliano, Iqbal Nazliana Nasution, E Lia Nazliana Nasution, Lia Novalina, Ade Novari, Eri Novianti, Catur Nur Rohmat Nur Wulandari, Intan Nurfatimah, Tina Nurkhalifah, Risma Nurlatifah Nurlatifah, Nurlatifah Nurul Hilda Syani Putri permatasari, cindy Prakasa, Ary Pratama, Reza Fauzan Puspitasari, Nindya Farah Dwi Putri Sujatna, Tarisa Dwi Putri, Maritza Zahwa Arinditya Putriajni, Anyelir Salsabila Rahmat Hidayat Rakhmini Juwita Randi, Randi Ratna Marta Dhewi Ravelina, Nurul Izzah Reza Maulana Ridhani, Ridhani Ridhwan, Fajar Ainur RIFAI, ARDI Rofi Nursyamsi, Abdul Rohmad Salam, Rohmad Rosliana, Rosliana RR. Ella Evrita Hestiandari Rusdianto, Budi Rusiadi, E Sabda Alam Safrida, Winda Samrin Samrin, Samrin Samudera, Ahmad Bayu Saputra, Nugroho Dwi Setia Mulyawan, Setia Setiana, Eka Putri Setiatmoko, Trie Sofiyuloh, Bayu Soleha, Siti Sukmana, Candra Sulthan, Imada Tanti Novianti Tika Rahmawati Tri Andri Setiawan, Tri Andri Ujang Sumarwan Widya, Atika Wijaya, Winda Nurhalizah Wirani, Yekti Yudha Heryawan Asnawi Yudiyanto Yudiyanto Yulianti Yulianti Zain, Nurafifah Zuhairi, Fawzi Rahmadiyan