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All Journal Primanomics : Jurnal Ekonomi & Bisnis Sketsa Bisnis JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Maker: Jurnal Manajemen Jurnal ABDINUS : Jurnal Pengabdian Nusantara Jurnal Terapan Manajemen dan Bisnis AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis MES Management Journal Kasta: Jurnal Ilmu Sosial, Agama, Budaya dan Terapan Kreasi: Jurnal Inovasi dan Pengabdian Kepada Masyaraka Journal of Artificial Intelligence and Digital Business Journal of Economic, Management and Entrepreneurship
Nur Ajizah
Universitas Yudharta Pasuruan
Religion Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

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The Influence of Self-Control and Financial Planning Behavior on Financial Risk Attitude and Online Loan Decisions, with Financial Stress as a Moderating Variable Miftahul Huda; Nur Ajizah; Sri Wahyuni
KASTA : Jurnal Ilmu Sosial, Agama, Budaya dan Terapan Vol. 6 No. 1 (2026): April
Publisher : Lembaga Bale Literasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58218/kasta.v6i1.2542

Abstract

This study examines the influence of Self Control and Financial Planning Behaviour on Financial Risk Attitude and online loan decision making, with Financial Stress as a moderating variable in the context of digital financial services. The rapid growth of financial technology has increased access to online lending and raised concerns about irrational financial decisions. This study aims to analyze how psychological and behavioral factors influence financial decisions in using online loans. A quantitative explanatory approach was used with data collected from 200 respondents in Surabaya through questionnaires. The data were analyzed using Partial Least Squares Structural Equation Modeling. The results show that Financial Planning Behaviour has a positive and significant effect on Financial Risk Attitude and online loan decisions, while Self Control and Financial Risk Attitude do not have significant effects. Financial Stress significantly moderates the relationship between variables and online loan decisions. In conclusion, financial planning is a key factor in rational decision making, while Financial Stress influences behavior in digital financial contexts.
Pendampingan Karang Taruna dalam Mitigasi Bencana Banjir Berbasis Aplikasi SADARI di Desa Dringu, Probolinggo Nuriyanto; Miftahul Huda; Afrikatul Maulidiyah; Faishol Amrulloh; M. Imron Rosadi; M. Sulhan; Subchan Asy’ari; Nur Ajizah
Kreasi: Jurnal Inovasi dan Pengabdian kepada Masyarakat Vol. 6 No. 2 (2026): Juli
Publisher : BALE LITERASI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58218/kreasi.v6i2.4236

Abstract

Flood disasters frequently occur in Dringu Village, Probolinggo Regency, due to geographical conditions and the lack of an effective early warning system. This community service program aims to enhance the capacity of youth organizations (Karang Taruna) in flood mitigation through the utilization of the SADARI (Dringu Flood Early Warning System) application based on IoT technology. The beneficiaries of this program are members of Karang Taruna who serve as community-based disaster response teams. The method applied is a participatory empowerment approach, including problem identification, socialization, training, technology implementation, and mentoring and evaluation. The results indicate a significant increase in participants’ knowledge from 38% to 88%, as well as their ability to independently operate the SADARI application. The system is capable of providing early warnings 15–30 minutes before potential flooding, improving communication and coordination effectiveness among community members. Furthermore, the establishment of disaster response teams, development of standard operating procedures, and implementation of digital communication systems reflect strengthened institutional capacity. This program contributes to enhancing community preparedness and resilience through technology and has the potential to be replicated in other flood-prone areas.
Pemberdayaan Komunitas GAPOKTAN untuk Budidaya Bawang Merah Menggunakan Teknologi IoT di Desa Dringu, Kabupaten Probolinggo Nuriyanto Nuriyanto; Miftahul Huda; Afrikhatul Maulidiyah; Muhammad Faishol Amrulloh; Muhammad Imron Rosadi; M. Sulhan; Subchan Asy’ari; Nur Ajizah
Jurnal ABDINUS : Jurnal Pengabdian Nusantara Vol 10 No 2 (2026): Volume 10 Nomor 2 Tahun 2026
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/ja.v10i2.27455

Abstract

Kegiatan pengabdian masyarakat ini bertujuan untuk meningkatkan kapasitas petani bawang merah dalam memanfaatkan teknologi Internet of Things (IoT) melalui aplikasi SMARTBULB (Smart Farming for Shallot Farmers) sebagai sistem pemantauan kondisi lahan bawang merah secara real-time. Sasaran kegiatan adalah GAPOKTAN Bhakti Manunggal Desa Dringu Kabupaten Probolinggo dengan jumlah peserta sebanyak 12 orang. Metode pelaksanaan kegiatan meliputi: (1) sosialisasi konsep smart farming, (2) pelatihan penggunaan aplikasi SMARTBULB, (3) instalasi perangkat sensor dan pendampingan lapangan, serta (4) monitoring dan evaluasi hasil penerapan teknologi. Hasil kegiatan menunjukkan bahwa petani mampu mengoperasikan aplikasi SMARTBULB dalam memantau kelembapan tanah dan mengatur pola irigasi secara lebih efisien. Selain itu, terjadi penghematan penggunaan air irigasi sebesar 15–25% serta peningkatan kesehatan tanaman yang ditunjukkan dari pertumbuhan umbi dan daun yang lebih seragam. Kegiatan ini memberikan dampak positif terhadap peningkatan pengetahuan, kemandirian teknologi, serta efektivitas budidaya bawang merah berbasis smart farming di tingkat komunitas petani.
Co-Authors Afrikatul Maulidiyah Afrikhatul Maulidiyah Anisa Salwa Faishol Amrulloh M. Imron Rosadi May Agus Suwandono Miftachul Jannah, Miftachul Miftahul Huda Muhammad Faishol Amrulloh Muhammad Imron Rosadi Nabila, Jihan Nur Hidayati Nur Riski Rohmayanti Nuraeni Nuril Khikmawati Nuril Zayyidah Nuriyanto Nuzil, Nur Rokhmad Siti Kholila Sri Wahyuni Subchan Asy’ari Sulhan, M. Uswatun Hasanah Wulan, Indah Kasih