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This Author published in this journals
All Journal Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Papanda Journal of English Education
Kiki Saputri
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Religion Arts Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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Financial Literacy and Loan Terms Affect Msme Formal Credit Access Nugraeni Nugraeni; Ratri Paramitalaksmi; Zaenal Wafa; Kiki Saputri
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 6, No 1 (2023): Budapest International Research and Critics Institute February
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v6i1.7433

Abstract

The rapid increase in Micro, Small and Medium Enterprises (MSMEs) in Indonesia is able to encourage economic growth. The existence of government policies on financing Micro, Small and Medium Enterprises (MSMEs) motivates Micro, Small and Medium Enterprises (MSMEs) entrepreneurs to be able to create a good financing system so as to affect the ease of accessing credit.  Ease of access to formal credit is important because formal credit providers have more availability of funds than informal credit providers. Access to formal credit carried out on Micro, Small and Medium Enterprises (MSMEs) is also based on the banking behavior of Micro, Small and Medium Enterprises (MSMEs) entrepreneurs who are influenced by financial literacy.  Various efforts made by the Office of Cooperatives and MSMEs of Sleman Regency, Yogyakarta Special Region, Indonesia in improving financial literacy include providing financial training that is analyzed for effectiveness in research.  This study aims to determine the effect of financial literacy and credit requirements on access to formal credit by Micro, Small and Medium Enterprises (UMKM) in Sleman Regency, Yogyakarta Special Region, Indonesia. The method used in this study is a regression test.  The results of this study show that financial literacy and credit requirements can affect access to formal credit by Micro, Small and Medium Enterprises (MSMEs) in Sleman Regency, Yogyakarta Special Region.
English Teacher's Experience in Implementing Gamification-Based Learning Kiki Saputri; Rama Dwika Herdiawan; Nurhidayat, Eka
Papanda Journal of English Education Vol. 2 No. 2 (2023)
Publisher : Papanda Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56916/pjee.v2i2.886

Abstract

This study aims to reveal the English teacher's experience implementing gamification-based learning and the types of gamification applications or platforms teachers use in their teaching practice. This research uses a qualitative method with a narrative inquiry design. The participant of this research is a teacher who teaches English in one of the high schools in Majalengka. The results indicate that the English teacher is sufficiently experienced in implementing gamification, as they have utilized two types of gamification applications or platforms: Wordwall and Quizizz. The English teacher also expressed the benefits of gamification in the classroom, such as more effective learning outcomes that lead to increased student enthusiasm and motivation. Despite challenges such as limited resources and technical constraints, the English teacher has managed to overcome them, allowing gamified learning to thrive. This study also enables other researchers to explore new aspects related to gamified English language learning, and it is recommended that future studies involve more participants and extend over a longer period.
Co-Authors Nugraeni Nugraeni Nurhidayat, Eka Rama Dwika Herdiawan Ratri Paramitalaksmi Zaenal Wafa