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All Journal Jurnal Hukum Khaira Ummah Jurnal Presipitasi : Media Komunikasi dan Pengembangan Teknik Lingkungan Jurnal Ilmu dan Teknologi Hasil Ternak Journal of Public Policy and Management Review Jurnal Ekonomi Modernisasi KURVA S JURNAL MAHASISWA Jurnal Ilmu-Ilmu Peternakan (Indonesian Journal of Animal Science) Journal of Indonesian Applied Economics Dharmakarya : Jurnal Aplikasi Ipteks Untuk Masyarakat Shaut Al-'Arabiyah Journal of Innovation and Applied Technology JITRO (Jurnal Ilmiah dan Teknologi Peternakan Tropis) Jurnal Pendidikan Ilmu Sosial Prosiding Seminar Nasional Pendidikan Akuntansi dan Keuangan Pedagogia: Jurnal Pendidikan Journal of Tropical Biodiversity and Biotechnology Jurnal Sejarah dan Budaya JURNAL MAHKAMAH Jurnal Penelitian Pendidikan IPA (JPPIPA) Historika Jurnal SOLMA Indonesian Food Science and TechnologyJournal JURNAL ILMIAH PETERNAKAN TERPADU Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Jurnal Ilmiah Pendidikan Profesi Guru International Journal of Supply Chain Management JURNAL CEMERLANG: Pengabdian pada Masyarakat Jurnal Ilmiah Inovasi International Journal for Educational and Vocational Studies Jurnal Review Pendidikan dan Pengajaran (JRPP) Diakronika SCAFFOLDING: Jurnal Pendidikan Islam dan Multikulturalisme Metafora: Education, Social Sciences and Humanities Journal Buletin KKN Pendidikan The Innovation of Social Studies Journal GANDRUNG: Jurnal Pengabdian Kepada Masyarakat REKASATWA : Jurnal Ilmiah Peternakan Ideguru: Jurnal Karya Ilmiah Guru Jurnal Ilmu Agama dan Pendidikan Agama Buddha (JIAPAB) Prosiding Ilmu Agama dan Pendidikan Agama Buddha Jurnal Ekonomi Proceeding ISETH (International Summit on Science, Technology, and Humanity) TSAQIFA NUSANTARA: Jurnal Pembelajaran dan Isu-Isu Sosial Langgam International Journal of Social Science Education, Art and Culture Innovative: Journal Of Social Science Research JIM: Jurnal Ilmiah Mahasiswa Pendidikan Sejarah Riwayat: Educational Journal of History and Humanities Danadyaksa Historica Conference Proceedings International Conference on Education Innovation and Social Science Journal of Rural and Urban Community Studies Jurnal Agripet Journal of Agriprecision & Social Impact Jurnal Pendidikan Progresif JLTLL Jurnal Historica JHSS (Journal of Humanities and Social Studies) PAEDAGOGIE
Agus Susilo
UNTAG Samarinda
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Physics Public Health Social Sciences Transportation Veterinary Other

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The Relationship Between Financial Literacy And Risk Perception On Students’ Interest In Using Shopee Paylater In Surakarta City Taqbira, Firdatul; Susilo, Agus
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol. 10 No. 1 (2026): JHSS (Journal of Humanities and Social Studies)
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v10i1.137

Abstract

For university students, financial literacy is not merely associated with an understanding of financial products, but also reflects their capacity to assess financial risks when engaging with digital payment services such as PayLater. The increasing adoption of Buy Now Pay Later (BNPL) platforms among students has raised concerns regarding financial behavior, self-control, and risk management within the digital economy, highlighting the need for empirical investigation in this context. This study employed a quantitative associative approach using purposive sampling. The sample consisted of 100 active undergraduate students in Surakarta who had used Shopee PayLater. Data were collected through a structured questionnaire using a five-point Likert scale and analyzed using multiple linear regression with SPSS, supported by validity, reliability, and classical assumption tests. The results indicate that financial literacy has a positive and significant effect on students’ interest in using Shopee PayLater. Risk perception also has a positive and significant effect on students’ interest. Simultaneously, financial literacy and risk perception significantly influence students’ interest in using BNPL services. The findings emphasize the importance of improving financial literacy and risk awareness among students to encourage responsible BNPL usage. Sound financial decision-making among young consumers can support sustainable consumption, minimize excessive debt risks, and contribute to financial system stability in the digital economy. This study simultaneously integrates financial literacy and risk perception to explain students’ interest in BNPL services at the city level, particularly in Surakarta. Unlike prior studies focusing on general consumers, this research provides specific empirical evidence from the student segment in Indonesia.
Enhancing Student Engagement through Wordwall-Based Interactive Learning in Vocational School Jatmika, Surya; Oktaviani, Nawang; Pratiwi, Indah; Sari, Dhany Efita; Susilo, Agus
Proceeding ISETH (International Summit on Science, Technology, and Humanity) 2025: Proceeding ISETH (International Summit on Science, Technology, and Humanity)
Publisher : Universitas Muhammadiyah Surakarta

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

Abstract

Purpose: This study focuses on how learning with Wordwall-based interactions can increase the activity and enthusiasm of students in the Sharia Banking Accounting subject at SMK Negeri 1 Klaten. In such learning, the use of traditional and limited media has led to lower participation, decreased motivation, and inadequate learning achievements.Methodology: A qualitative case study approach was used with participants consisting of 45 students from classes XII AKL 1 and XII AKL 3, along with one accounting teacher. Data collection used classroom observations, semi-structured interviews, and documentation of learning activities. Data analysis followed the interactive model involving data condensation, data display, and conclusion drawing. Triangulation methods and sources were used to increase data credibility.Results: The inclusion of Wordwall, mainly in the form of multiple-choice quiz games, resulted in a significant increase in student engagement, as demonstrated by increased observable activeness by 17.7% from 75.6% to 93.3%. Students manifested increased activity, collaborative interaction, and intrinsic motivation. The use of game-based digital media also succeeded in creating a more enjoyable learning environment and reduced passive learning behavior.Applications/Originality/Value: This paper provides empirical evidence for the pedagogical advantages of game-based learning media in vocational education. Wordwall proved to be an effective tool for boosting active engagement and improving learning experiences. The results emphasize the potential of digital interactive platforms in supporting technology-enhanced and AI-ready learning ecosystems, in line with current educational agendas of digital transformation.
The Phenomenon of Learning at Co-Working Space Cafes (a Case Study of UMS Students Between Needs and Lifestyle) Aprilia, Galeh; Susilo, Agus
The Innovation of Social Studies Journal Vol 7, No 2 (2026): The Innovation of Social Studies Journal, March 2026
Publisher : Universitas Lambung Mangkurat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20527/issj.v7i2.17864

Abstract

The development of digital technology has shifted UMS students’ learning patterns toward co-working  spaces as flexible environments supporting both academic needs and modern lifestyles. This study aims to examine the phenomenon of using co-working  spaces as alternative learning environments among students at Universitas Muhammadiyah Surakarta (UMS), focusing on two main aspects: academic needs and lifestyle. A qualitative descriptive approach with a case study method was employed. Data were collected through in-depth interviews with students who actively use co-working  spaces, as well as direct observations at several locations in Surakarta. The findings reveal that the primary motivations for students choosing co-working  spaces include comfort, reliable Wi-Fi access, and a conducive atmosphere that supports focused learning. In addition to positively influencing academic productivity, co-working  spaces have become part of the modern student lifestyle, emphasizing aesthetics, digital presence, and contemporary trends. Social factors, such as peer support and collaborative study habits, also play a significant role in shaping their preferences. These findings indicate that co-working  spaces serve not only as facilities to fulfill academic needs but also as social spaces representing identity and lifestyle in the digital age. This study contributes to understanding the shift in student learning patterns and its implications for the development of educational facilities in higher education institutions.
The Influence Of Perceived Benefits, Ease Of Use, And Farmer Trust On Agricultural Electrification susilo, Agus; Suswadi; Irawan, Norbertus Citra
Journal of Rural and Urban Community Studies Vol 4 No 1 (2026): In Press February
Publisher : Agribusiness Department, Agriculture Faculty, Tunas Pembangunan University, Surakarta, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36728/jrucs.v4i1.6373

Abstract

This research is motivated by the high dependence of rice farmers in Boyolali Regency on diesel-fueled water pumps, which causes high operational costs and production instability due to fluctuations in fuel prices. Agricultural electrification through the use of electric pumps is a more efficient and sustainable alternative, but its adoption rate is still relatively low. This study aims to analyze the influence of Perceived Benefits, Ease of Use, and Farmer Trust on the Adoption of Agricultural Electrification. The study used a quantitative approach with a descriptive-analytical method. The study population was all rice farmers who had used or had access to electric pumps in Giriroto Village, Ngemplak District, and Babadan Village, Sambi District, Boyolali Regency. The study was conducted from December 2025 to January 2026. Primary data were collected through a Likert-scale questionnaire and analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The results showed that Perceived Benefits and Ease of Use had a positive and significant effect on the Adoption of Agricultural Electrification, while Farmer Trust had no significant effect. An R² value of 0.770 (77%) indicates that the model has strong explanatory power. This finding indicates that adoption decisions are more influenced by tangible benefits and ease of use than by trust. The implications of this research emphasize the importance of strengthening the dissemination of benefits and improving the ease of operation of the technology to accelerate agricultural electrification.
Co-Authors Abdul Manab Afriyanto, Rian Agus Budiarto Agus Setyawan Agustina, Bela Ahmad Furqon Ahmad Marsehan Ahmad Muhibbin Aisya, Novia Aji Fitriani, Sofa Akhiroh, Puji Alfian, Rafi Alfikri, Muhammad Fajar Almuntaqo Zainuddin Amalia, Alvina Wahyu Amsara, Yeni Andra*, Resi Tri Anggini, Reva Anggraeni, Marselia Aprilia, Galeh Apriliansyah, Richo Dwi Apriliyani, Mulia Winirsya Ardani, Amanda Putri Aris Sri Widati Asep Awaludin Prihanto Asy Syahidah, Annisa Azizah, Ika Nur Azkarahman, Aldyon Restu Bandi Bandi, Bandi Cahyono, Erwin Dedes Amertaningtyas Depison Depison Desikasari, Intan Dhany Efita Sari Diah Pramudita, Ananda Dina Oktaviani Dodyk Pranowo Dwinanda, Krisnaldi Egok, Asep Sukenda Elka Fikri, Muhammad Eny Sri Widyastuti Firman Jaya Fitriani, Sofa Aji Hadion Wijoyo Hanifah, Aida Nuzul Umi Haq, Chozainil Ardlil Haziza, Nur Heri Susanto Herly Evanuarini Hermanto, Feri Eko Hervanis*, Regita Nada Hesti Lestari Hobsoh Hosen, Tanjir Hossain, Md. Murad I N TIRTA ARIANA I Nyoman Sumerta Miwada Ihwanudin, Ahmad Yuda Ika Trisnawati, Ika Inayati, Nurul Latifatul Indah Pratiwi Indra Wahyudi, Indra Intan Jelita, Hanifah Tria Irwansyah, Yadri Isbandiyah Isbandiyah Isbandiyah Isbandiyah Islam, Nazmul Janudin, Sharul Effendy Juni Sumarmono Junica, Niza Junita Fridiza, Viola Junita, Reja Kartikaningsih, Hartati Khikmawati, Devi Kurnia Khilya Khilyatul Jannah Khoirunnisa, Indri Khothibul Umam Al Awwaly Khotibul Umam Al Awwaly Kinasih, Dwi Sri Komang Sutawan Kristama, Yoga Sita Kusumadewi, Fajar Kuswati Kuswati Lestari, Suci Puji Mansor, Mahaliza Margaretha Suryaningsih Masyithoh, Dewi Maulid, Shintia Sukmawati Cahya Meyliana Miftakhul Cahyati Mithun, Mahmudul Hasan Muhad Fatoni Muhammad Fahmi Johan Syah Muhammad Halim Natsir Mulya, Valevi Intan Devia Nabila, Salsa Naufal Ishartono Ni Luh Putu Sriyani Ni'mah, Khoirin Noor Cholifah Norbertus Citra Irawan Nugroho, Abdylla Adhiyasa Nugroho, Aster Wahid Nugroho, Hanif Nunuk Suryani Nur W, Anugrah Nurgiartiningsih, V. M. A. Nurjannah Nurjannah Nurul Huda Oktaviani, Nawang Osfar Sjofjan Pangesti, Indha Fitria Pemungkas , Satrio Pemungkas, Satrio Permatasari, Putery Pramudita, Ananda Diah Premy Puspitawati Rahayu Prihantara Utama, Bangun Primandasari, Elma Putri Priyo Sugeng Winarto Purwanto, Didiek Puspa, Galuh Wilujeng Puspitawati Rahayu, Premy Qonita, Azhra Tiara Rafly, Raihan Rahayu, Nyimas Rahayu, Wiji Rahmadhani, Salma Rapiadi, Rapiadi Ratna Wulan Sari Rena Ria Dewi Andriani Richi Riska Dui, Richi Riska Dui Rifai, Muhamad Khafid Ronika, Al-Fikih rusnoto rusnoto Sabar Narimo Safitri, Wanda Salsabila, Alifa Saputra, Haikal Sariyatun, S. Sarkowi Sarkowi, Sarkowi Satinem Septi Sistiasih, Vera Setiawan, Agustiawan gus Setiawan, Priski Shamad, Zulfaini Siswandari Siswandari, Siswandari Sofiarini, Andriana Sri Widati, Aris Sudarmanto, Eko Sugesti, Madiyan Sukenda Egok, Asep Suranto Suranto Surya Jatmika Sustianingsih, Ira Miyarni Suswadi Syariful Hikam, Faris Talukder, Md. Khyrul Alam Taqbira, Firdatul Tejo Ismoyo, Tejo Tiara Qonita, Azhra Tiara Qonita Tyas, Dewi Septi Ayuning Wahidu Zzaman Wanliana, Ayu Waskito, Titis Wicaksono, Irfan Resi Widiati, Aris Sri Widyaningrum, Fitriyan Della Wildan Syafitri Winirsya Apriliyani, Mulia Wiryawan, Dimas Wulandari, Herlina Tri Yaghfir Alifah, Fathimah Yeni Asmara, Yeni Yuli Frita Nuningtyas Yusmardella, Yusmardella Zakiya, Ardis Laily Zamtina, Novi