Article Per Year (5 Year)
p-Index From 2020 - 2025
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All Journal INFORMAL: Informatics Journal IDEAS: Journal on English Language Teaching and Learning, Linguistics and Literature
Haniful Umam
Unknown Affiliation
Computer Science & IT Languange, Linguistic, Communication & Media

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Manajemen Risiko Default Pada Pengguna Kartu Kredit Menggunakan Framework NIST 800-30 Agus Eko Musantono; Atina Khoiron Nisa; Ashlih Qurota A’Yuni; Haniful Umam
INFORMAL: Informatics Journal Vol 7 No 2 (2022): Informatics Journal (INFORMAL)
Publisher : Faculty of Computer Science, University of Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/isj.v7i2.34821

Abstract

The emergence of credit cards as one of the earliest fintech technologies capable of providing benefits to customers or users, the maturity of the system in its application is very important because it is related to user data. Several problems arise including carding crimes or problems from the users themselves. This study aims to determine demographic factors with the effect of using credit cards. Demographic factors (gender, age, marital status and academic) are related to usage activities as well as in paying off credit card bills. Quantitative research is carried out using available datasets. from the dataset will be processed and the required part will be taken. By using the NIST 800-30 framework, it is hoped that it can assist in risk management and assessment, then it will lead to risk tendencies in using credit cards. The final result of the study show that demographic factors including age, academic and marital status able to show the affect activities in paying credit card bills and the reliability of the credit card issuer's system can reduce the impact of default on credit card users.
Reading Habits and Their Influence on Student English Writing Skill in Indonesia: A Systematic Review Zam Zami, Fadli; Haniful Umam; Mutmainnah Mustofa
IDEAS: Journal on English Language Teaching and Learning, Linguistics and Literature Vol. 13 No. 2 (2025): IDEAS: Journal on English Language Teaching and Learning, Linguistics and Lite
Publisher : Institut Agama Islam Negeri Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/ideas.v13i2.7756

Abstract

This systematic review investigates the influence of reading habits on the writing skills of Indonesian EFL (English as a Foreign Language) students, based on 24 selected articles from a pool of 30 Scopes-indexed studies from 2014-2024. The findings reveal a clear connection between regular reading habits and enhanced writing proficiency, particularly in grammar, creative thinking, and content organization. However, challenges such as limited exposure to English, inadequate meta-cognitive strategies, and a lack of reading culture hinder progress. Technological integration can mitigate these barriers and foster reading and writing development if effectively implemented. The study highlights strategies to promote reading habits, including using multimedia tools, encouraging independent learning, developing meta-cognitive strategies, and fostering international collaboration in academic research. By addressing these areas, educational practices in Indonesia can more effectively support EFL learners in improving their English writing skills through enhanced reading engagement.
Co-Authors Agus Eko Musantono Ashlih Qurota A’Yuni Atina Khoiron Nisa Mustofa, Mutmainnah Zam Zami, Fadli