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Nirmala Nirmala, Nirmala
Swiss German University
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Pengaruh Literasi Keuangan, Inklusi Keuangan, Aplikasi Keuangan Digital, Pendapatan dan Gaya Hidup terhadap Perilaku Menabung Generasi Z di Purwokerto Nadiati, Marlia Neni; Koesoemasari, Dian Safitri Pantja; Nirmala, Nirmala
ProBisnis : Jurnal Manajemen Vol. 17 No. 2 (2026): April: Management Science
Publisher : Lembaga Riset, Publikasi dan Konsultasi JONHARIONO

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Abstract

This study aims to analyze the influence of financial literacy, financial inclusion, digital financial applications, income, and lifestyle on the saving behavior of Generation Z in Purwokerto. Saving behavior among the younger generation has shifted significantly, driven by rapid technological advancements and the emergence of digital financial platforms that simplify access to savings and investment instruments. Employing a quantitative approach, this research utilized a survey method with questionnaires distributed to 100 respondents selected via accidental sampling. Data were analyzed using multiple linear regression. The results indicate that financial literacy, financial inclusion, digital financial applications, and income have a positive and significant impact on saving behavior. Conversely, a consumptive lifestyle was found to have a negative and significant effect. These findings suggest that enhancing financial knowledge, expanding inclusion, and leveraging digital tools are essential for improving the saving habits of Generation Z, while a high level of consumerism remains a primary barrier to financial discipline.
The Potential of the Local Wisdom PjBL Model Applied to the Processing of Medicinal Plants in Talang Duku Village Jambi Nirmala, Nirmala; Zurweni, Zurweni; Hamidah, Afreni
Integrated Science Education Journal Vol 5 No 2 (2024): May
Publisher : Cahaya Ilmu Cendekia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37251/isej.v5i2.801

Abstract

Purpose of the study: This study investigates the integration of PjBL with local wisdom to develop an innovative PjBL-Ethnoscience learning model. Incorporating ethnoscience-based approaches into PjBL, this model aims to equip students with 21st-century skills. Specifically, the research explores the potential of this model in the context of medicinal plant processing in Talang Duku Village, Jambi. Methodology: A qualitative approach was employed, utilizing surveys, interviews, and participant observation to gather comprehensive data on current medicinal plant processing practices and the potential impacts of implementing the PjBL-Ethnoscience model. The study involved close interaction with local practitioners and students to understand this integrated learning model's practical applications and educational benefits. Main Findings: The findings reveal that the PjBL model's syntax effectively applies to medicinal plant processing activities. This integration enhances students' understanding of biological concepts related to plants and connects them with local cultural practices. The study demonstrates that such activities can serve as a robust foundation for biology education, particularly in plant-related topics, fostering a deeper appreciation of local knowledge and sustainable practices. Novelty/Originality of this study: This research presents a novel approach by merging the PjBL model with ethnoscience, particularly in medicinal plant processing in Talang Duku Village, Jambi. The study preserves cultural heritage and promotes sustainable practices by leveraging local wisdom. This innovative model provides a science learning base intimately connected to students' cultural backgrounds, making education more relevant and engaging. The PjBL-Ethnoscience model enhances academic learning and instills a sense of community and environmental stewardship among students.
Co-Authors Abdillah, Lina Abednego Dwi Septiadi Abidah, Husna Adhitya Rinaldi, Enrico Adnan Sauddin Afreni Hamidah Alisma, Alisma Aminingsih, Purwanti Anattri, Lega Anggraeni, Evitri Anggraini, Debie Anshori, Abdurrahman Ardi Mustakim Arfina, Nabila Arinastuti Arinastuti Astuti, Lutfia Andi Aulia, Firdatul Izza Cahyo, Heru Dea Ananda Dewi, Anita Candra Dian Widyaningrum, Dian Emilia, Esi EVA FARIDAH Fatmawati, Wa Ode Faturrahman, Muh. Ekzah Febriana, Silfani Ajeng Ferlian, Nesti Fitri Rahmawati Fitriah Fitriah Galingga, Galingga Hanu, La Harsuti, Harsuti Hasana , Uswatul Herlina, Santi Huzain Azis Ida Usman Indah, Lidya Sri Ratu Irmayanti Ishak , Ishak Jaelan Usman, Jaelan Jufri Karim Karimuna, Siti Rabbani Koesoemasari, Dian S.P. Koesoemasari, Dian Safitri Pantja La Ode Nggawu Lestari, Dita Lestari, Herwiek Diyah Luluk Humairo Pimada Ma'ruf, Adnan Maralo Sinaga Marola, Mutmaina Kasandra Muhammad Anhar Muhammad Ilyas Muhammad Sarlin Mulyadi, Elvaro Islami Nadiati, Marlia Neni Nensilianti Nensilianti Nur Hasanah Nur, Arifuddin Nurainun Nurainun Nure khun rikhte husaini Pahlevi, Akbar Pangestu, Julianteri Kevin Tabah Patmaniar, Patmaniar Prianggada Indra Tanaya Purnawansyah Purnawansyah Qhesya Septian Rahma Triyana Rahmat abidin, Andi Rais.TM, Ahmad Ramadani, Rahma Ramadani, Safitrah Rassy, Regania Pasca S, Hasfikin Saddam Husein Salam, Nur Aprilia Mutiara ST JUMAEDA Suarni Syam Saguni, Suarni Syam Sulistiawati, Naqiyyah Aulia SUMARNI Suraidah Suraidah, Suraidah Syah, Fahmi SYAMSU ALAM Syarifaturrahmatullah, Syarifaturrahmatullah Tambunan, Renike Usman, Edi Wahidah Alwi Wahyudi, Rizat WINDRA, WINDRA Wiyatun, Fatasya Yani, Indra Zulfa Nur Hanifa Zurweni Zurweni