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Literasi Dan Pemberdayaan Lingkungan di Dusun Kento Darul Mujahidin Desa Genggelang Kec.Gangga Rizal, Syamsul; Apitudin
Al-Madani: Jurnal Pengabdian Pada MAsyarakat Vol 4 No 1 (2025): JUNI: Al-Madani (Jurnal Pengabdian Pada Masyarakat)
Publisher : Institut Agama Islam Hamzanwadi Pancor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37216/al-madani(jurnalpengabdianpadamasyarakat).v4i1.2169

Abstract

Pendampingan literasi dan pemberdayaan Lingkungan ini dilaksanakan oleh anggota PKM yang terdiri dari mahasiswa dan dosen IAI Hamzanwadi Pancor. Dalam pelaksanaan pendampingan ini melibatkan berbagai pihak dan lapisan masyarakat yang memiliki keragaman tingkat ekonomi sosial dan agama. Pengabdian ini dilakukan di Dusun Kento Darul Mujahidin Desa Genggelang Kec. Gangga Lombok Utara selama dua bulan. Metode pelaksanaan pendampingan ini menggunakan metode Participatory Learning and Action (PLA) yang meliputi wawancara, observasi, mengkaji, membuat perencanaan, serta aksi partisifatoris hingga terlaksananya pendampingan. Hasil yang diperoleh dalam pendampingan ini bahwa anak-anak di Dusun KDM memiliki minat baca yang tinggi detelah difasilitasi dengan pengadaan buku-buku bacaan, masyarakat Dusun KDM athusias dan sangat mendukung keberadaan Gapura yang menjadi ikon Desa, Masyarakat di Desa ini sudah memiliki beberapa kreatifitas dalam mengolah hasil perkebunan mereka diantaranya produk olahan coklat dan kopi.
The Effect of Easy Access to Mobile Banking, Financial Literacy, and Social Environment on Student Non-Cash Transactions Syamsulrizal, Syamsulrizal; Rosmida, Rosmida
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.715

Abstract

The digitalization of the payment system in Indonesia is growing rapidly, but the use of non-cash transactions among students is still not optimal even though access to mobile banking is getting easier, thus showing a gap between the availability of technology and user behavior. This study aims to analyze the influence of ease of access to mobile banking, financial literacy, and social environment on non-cash transactions in students of the Public Finance Accounting Study Program, Bengkalis State Polytechnic. The method used was a quantitative approach with SEM-PLS, and data was obtained through the distribution of questionnaires to 230 students who were active users of mobile banking. All research indicators were declared valid with an outer loading value of 0.626–0.892 and AVE above 0.50, and reliable with a Composite Reliability of 0.893–0.925. The results showed that the ease of access to mobile banking had a significant effect on non-cash transactions (coefficient 0.437; p < 0.001), financial literacy also had a significant effect (coefficient 0.350; p < 0.001), while the social environment did not have a significant effect (coefficient 0.079; p = 0.113). An R² value of 0.599 indicates that the three variables are free to explain 59.9% of non-cash transaction variations, with a Q² value of 0.604 indicating the model's strong predictive capabilities. These findings confirm that technology factors and financial understanding are the main determinants of student non-cash transaction behavior, while social influences do not play a strong role. Therefore, it is recommended that educational institutions strengthen digital financial literacy and work with banks to improve education on digital financial services to encourage the use of non-cash transactions more optimally.
The Effect of Easy Access to Mobile Banking, Financial Literacy, and Social Environment on Student Non-Cash Transactions Syamsulrizal, Syamsulrizal; Rosmida, Rosmida
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.715

Abstract

The digitalization of the payment system in Indonesia is growing rapidly, but the use of non-cash transactions among students is still not optimal even though access to mobile banking is getting easier, thus showing a gap between the availability of technology and user behavior. This study aims to analyze the influence of ease of access to mobile banking, financial literacy, and social environment on non-cash transactions in students of the Public Finance Accounting Study Program, Bengkalis State Polytechnic. The method used was a quantitative approach with SEM-PLS, and data was obtained through the distribution of questionnaires to 230 students who were active users of mobile banking. All research indicators were declared valid with an outer loading value of 0.626–0.892 and AVE above 0.50, and reliable with a Composite Reliability of 0.893–0.925. The results showed that the ease of access to mobile banking had a significant effect on non-cash transactions (coefficient 0.437; p < 0.001), financial literacy also had a significant effect (coefficient 0.350; p < 0.001), while the social environment did not have a significant effect (coefficient 0.079; p = 0.113). An R² value of 0.599 indicates that the three variables are free to explain 59.9% of non-cash transaction variations, with a Q² value of 0.604 indicating the model's strong predictive capabilities. These findings confirm that technology factors and financial understanding are the main determinants of student non-cash transaction behavior, while social influences do not play a strong role. Therefore, it is recommended that educational institutions strengthen digital financial literacy and work with banks to improve education on digital financial services to encourage the use of non-cash transactions more optimally.