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All Journal Jurnal Pendidikan dan Konseling Journal of Innovative and Creativity Journal of Shariah Economics
Tetty Rahmiati Harahap
Universitas Islam Labuhanbatu
Religion Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Analisis Pengaruh Gaya Belajar dengan Teknik Preferensi Sensori terhadap Hasil Belajar Mahasiswa Prodi Matematika Universitas Islam Labuhanbatu Hidayatul Mazidah Harahap; Tetty Rahmiati Harahap; Riana Sitio; Rika Syahmewah Munthe
Jurnal Pendidikan dan Konseling (JPDK) Vol. 4 No. 6 (2022): Jurnal Pendidikan dan Konseling: Special Issue (General)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jpdk.v4i6.10084

Abstract

Tujuan dalam penelitian ini yaitu untuk mengetahui pengaruh gaya belajar dengan teknik preferensi sensori terhadap hasil belajar mahasiswa prodi matematika universitas Islam Labuhanbatu. Jenis penelitian ini adalah jenis penelitian Deskriftif. Teknik pengumpulan data menggunakan angket dengan skala likert dengan teknik random sampling. Hasil Menunjukan gaya belajar mahasiswa lebih cenderung ke gaya belajar audiotorial dengan melihat rata rata UAS nilai semester Ganjil dan Genap mahasiswa tahun 2022 dengan persentase sebesar 65%, berdasarkan hasil regresi Linier berganda didapatkan hasil analisis Gaya belajar Auditorial dan Gaya belajar Kisnetik mendapatkan hasil yang signifikan terhadap hasil belajar dan gaya belajar Visual tidak signifikan terhadap hasil belajar mahasiswa. Gaya belajar memberikan kontribusi terhadap hasil belajar sebesar 13,4%
Pengaruh Digital Financial Literacy dan Adopsi Financial Technology Terhadap Kinerja UMKM di Labuhanbatu Dengan Akses Lembaga Keuangan Sebagai Variabel Moderasi Riana Sitio; Tetty Rahmiati Harahap; Erni Wahyuni
Journal of Innovative and Creativity Vol. 5 No. 3 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i3.5024

Abstract

The development of the digital economy requires MSMEs to adopt financial technology and increase financial digital literacy. However, the effectiveness of these factors in improving the performance of MSMEs still shows inconsistent results in the empirical literature. This quantitative research uses a survey of MSME samples. Data were analyzed using regression analysis and moderated regression analysis (MRA) techniques to test the direct influence and moderation effect. The results of the study revealed that digital financial literacy and the adoption of financial technology did not have a significant direct effect on the performance of MSMEs. However, both variables have been shown to significantly increase access to financial institutions. The main finding of this study is that access to financial institutions not only has a positive and significant direct effect on performance, but also acts as a moderator that strengthens the influence of digital financial literacy and the adoption of financial technology on the performance of MSMEs. This study highlights the need for an integrated approach in MSME empowerment policies. Increased digital capabilities and technology adoption must be synergized with expanded access to formal finance to maximize its impact on improving business performance. For further research, it is important to consider mediation mechanisms and other contingency variables.
Pengaruh Literasi Keuangan Syariah Terhadap Keputusan Pembiayaan UMKM Di Labuhanbatu Melalui Akad Syariah Erni Wahyuni; Tetty Rahmiati Harahap; Mhd. Amin
JOURNAL OF SHARIA ECONOMICS Vol. 6 No. 2 (2024): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v6i2.931

Abstract

Abstract This study aims to analyze the impact of Islamic financial literacy on financing decisions of micro, small, and medium enterprises (MSMEs) in Labuhanbatu Regency through the understanding of Sharia contracts. A quantitative approach using a survey method was employed to collect data from 112 MSME actors selected through purposive sampling. The research instrument was validated using validity and reliability tests, and data analysis was conducted through multiple linear regression. The results indicate that Islamic financial literacy significantly and positively influences MSME financing decisions, both directly and through the understanding of Sharia contracts. These findings highlight the importance of Islamic financial literacy in enhancing access to and adoption of Sharia-based financing. This study also provides recommendations for local governments and Islamic financial institutions to improve Islamic financial literacy through training and socialization programs to support MSME development and strengthen the Sharia economic ecosystem in Indonesia.
Co-Authors Erni Wahyuni Hidayatul Mazidah Harahap Juwita Ferawati Mhd. Amin Riana Sitio Riana Sitio Riana Siyio Rika Syahmewah Munthe