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Dwi Retno Mulyanti
Universitas Teknologi Nusantara
Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Materials Science & Nanotechnology Physics Public Health Social Sciences Transportation Other

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The influence of Financial Literacy on Personal Financial Management in millennials in Indonesia Ismed Wijaya; Dwi Retno Mulyanti; Tri Endar Susianto; Anis Noviya; Rahmat Purnomo
Nomico Vol. 1 No. 12 (2025): Nomico-January
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/w09ms059

Abstract

This study explores the impact of Financial Literacy on Personal Financial Management among millennials in Indonesia. Using a quantitative approach, the research investigates the relationship between financial knowledge and the ability to manage personal finances effectively. The findings indicate that financial literacy significantly influences personal financial management, highlighting its critical role in shaping sound financial behaviors. Millennials with higher levels of financial literacy tend to demonstrate better budgeting, saving, and investment habits, reducing the likelihood of debt accumulation and promoting long-term financial stability. Conversely, a lack of financial knowledge often leads to poor financial decisions, such as excessive use of credit cards, inadequate savings, and limited understanding of investment opportunities. This study contributes to the growing body of literature by focusing on the millennial generation in Indonesia, providing practical implications for stakeholders such as policymakers, financial institutions, and educators to enhance financial literacy programs. Tailored financial education initiatives, both in formal education settings and through community outreach programs, are recommended to address the specific needs of this demographic. Future research is encouraged to expand the scope by incorporating additional variables, such as technological adoption in financial management and the influence of socio-economic backgrounds, and employing mixed-method approaches to gain deeper insights into the behavioral aspects of financial decision-making.
Integration of Portable NIRS Spectroscopy with the Internet of Things (IoT) for a Rice Quality Monitoring System in Storage Warehouses Ana, Ayu Putri; Mulyanti, Dwi Retno; Alfikri, M Reza; Mawarid, Mahran
Jurnal Penelitian Pendidikan IPA Vol 12 No 1 (2026)
Publisher : Postgraduate, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jppipa.v12i1.14038

Abstract

Rapid and non-destructive monitoring of rice quality during storage is essential for supporting effective warehouse management. This study aims to develop and evaluate the integration of Portable Near-Infrared Spectroscopy (NIRS) with an Internet of Things (IoT) framework for real-time rice quality monitoring. A quantitative experimental approach was employed by acquiring NIRS spectra in the wavelength range of 740–1070 nm from fresh and aged rice samples. The spectral data were automatically transmitted via the IoT system to a centralized server for storage and analysis. Rice quality parameters, including moisture, fat, and protein content, were predicted using a Partial Least Squares Regression (PLS-R) model based on raw spectra without spectral pretreatment. The results indicate that the PLS-R model achieved good predictive performance for moisture and fat content, with validation correlation coefficients (R) ranging from 0.87 to 1.00 and Residual Predictive Deviation (RPD) values of 1.11–3.65 for moisture and 3.70–4.65 for fat in both fresh and aged rice samples. In contrast, protein prediction showed limited accuracy, particularly in fresh rice samples with an RPD value of 1.79. The IoT system primarily functioned as a real-time data acquisition and transmission platform, enabling integrated rice quality monitoring. Overall, the findings confirm that NIRS–IoT integration is feasible for monitoring rice quality based on moisture and fat content during storage.
Dampak Digitalisasi Akuntansi dan Literasi Keuangan terhadap Kinerja Keuangan Usaha Mikro di Wilayah Perdesaan Jawa Barat Mulyanti, Dwi Retno; Susilo, Anton
Jurnal Multidisiplin West Science Vol 5 No 03 (2026): Jurnal Multidisiplin West Science
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/jmws.v5i03.3293

Abstract

Penelitian ini bertujuan untuk mengkaji pengaruh digitalisasi akuntansi dan literasi keuangan terhadap kinerja keuangan usaha mikro di daerah pedesaan Jawa Barat. Pendekatan penelitian kuantitatif digunakan dengan memanfaatkan data primer yang dikumpulkan dari 135 pemilik usaha mikro melalui kuesioner terstruktur yang diukur menggunakan skala Likert. Analisis data dilakukan menggunakan SPSS versi 25, meliputi statistik deskriptif, uji validitas dan reliabilitas, uji asumsi klasik, serta analisis regresi linier berganda. Hasil menunjukkan bahwa digitalisasi akuntansi memiliki pengaruh positif dan signifikan terhadap kinerja keuangan, dengan koefisien regresi sebesar 0,384 dan nilai signifikansi 0,000. Literasi keuangan juga memiliki pengaruh positif dan signifikan, dengan koefisien regresi yang lebih tinggi sebesar 0,421 dan nilai signifikansi 0,000. Secara bersamaan, kedua variabel tersebut secara signifikan memengaruhi kinerja keuangan, sebagaimana ditunjukkan oleh nilai F sebesar 52,67 (Sig = 0,000). Koefisien determinasi (R²) sebesar 0,555 menunjukkan bahwa 55,5% variasi dalam kinerja keuangan dijelaskan oleh digitalisasi akuntansi dan literasi keuangan. Temuan ini menyoroti pentingnya mengintegrasikan praktik akuntansi digital dengan pengetahuan keuangan untuk meningkatkan kinerja keuangan usaha mikro. Studi ini memberikan implikasi praktis bagi pembuat kebijakan dan pemangku kepentingan untuk mendorong adopsi digital dan meningkatkan literasi keuangan di kalangan pelaku usaha mikro, terutama di daerah pedesaan.
Co-Authors Agung Catur Wibowo alfikri, m reza Ali Zainal Abidin Alaydrus Anis Noviya Anshar Daud Anshar Daud Ashur Harmadi Atmaja, Faisal Rizky Ayu Putri Ana Dwi Noviyanto Ester Juliana Sitohang Faisal Rizky Atmaja Grace Citra Dewi Grace Citra Dewi Gusti Rusmayadi Harmadi, Ashur Ismed Wijaya Khitara Aldila Chandra Mawarid, Mahran Noviya, Anis Rahmat Purnomo Rahmat Purnomo, Rahmat Siti Aisyah Siti Aisyah Sitohang, Indah Grasulina Susianto, Tri Endar Susilo, Anton Tri Endar Susianto Wijaya, Ismed