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The Effect of Islamic Financial Inclusion on Welfare Through Religiosity Based on Tawhidi String Relations Asep, Asep; Willy Arafah; Nirdukita Ratnawati
Dinasti International Journal of Economics, Finance & Accounting Vol. 3 No. 6 (2023): Dinasti International Journal of Economics, Finance & Accounting (January-Febru
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v3i6.1618

Abstract

Karawang Regency is a rice barn and a large industrial area with a high regional minimum wage (UMR). However, the level of welfare is still a problem for leaders, considering that welfare is always associated with asset ownership measured in rupiah units to ensure financial inclusion in the community. Karawang district is interesting for discussion. This study aims to analyse the effect of Islamic financial inclusion on welfare through religiosity based on Tawhidi string relations, data processing using quantitative data processing techniques with multiple regression analysis, and placing religiosity as an intervening. This study uses primary data collected through questionnaires with a sampling quota of 564 respondents, with the locus of karawang district. The results showed that the path coefficient (mediation) of the indirect effect of inclusion on welfare through religiosity was 0.111 with a z-value (Sobel Test) of (5.132). The direct effect of Islamic financial inclusion (X2) on welfare (Y) through religiosity (X3) is positive and significant if we look at the direct effect of the Islamic financial inclusion coefficient (X2) on improving welfare (Y) of 0.302, this indicates that there is a positive effect of financial inclusion. Sharia is towards improving people's welfare; the more people can access sharia financial inclusion, the higher the level of welfare that the community will enjoy.
Peran Literasi Keuangan dan Kemudahan Teknologi Terhadap Keputusan Menggunakan Layanan E-Wallet Di Kalangan Generasi Milenial Prabowo, wahyudi; Ghazali, Al; Asep, Asep; Chalimatusadiah, Chalimatusadiah
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.3916

Abstract

This study aims to analyze the role of financial literacy and technological ease on the decision to use e-wallet services among the millennial generation. Digital transformation in the financial sector has introduced various electronic payment service innovations that increasingly facilitate public transactions. Millennials, as technologically adaptive users, have become a primary market segment in the adoption of e-wallets. This research employs a quantitative approach using a survey technique involving 385 millennial respondents aged 25–40 years who actively use e-wallet services. Data analysis was conducted using the Structural Equation Modeling (SEM) method with the assistance of SmartPLS software. The results indicate that financial literacy has a positive and significant effect on the decision to use e-wallets, with a path coefficient value of 0.342 and a t-statistic of 6.847. Technological ease also has a positive and significant effect on e-wallet usage decisions, with a path coefficient of 0.518 and a t-statistic of 9.326. Simultaneously, financial literacy and technological ease explain 68.4% of the variance in e-wallet usage decisions. These findings imply the importance of enhancing digital financial literacy and developing increasingly user-friendly features to encourage broader adoption of e-wallets among millennials. This study provides practical contributions for e-wallet service providers in designing marketing strategies and product development aligned with the characteristics of millennial users.
Effect of Ease And Trustworthiness To Use E-Commerce for Purchasing Goods Online Givan, Bryan; Wirawan, Rio; Andriawan, Deden; Aisyah, Nurul; Asep, Asep; Syah Putra, Arman
International Journal of Educational Research & Social Sciences Vol. 2 No. 2 (2021): April 2021
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijersc.v2i2.74

Abstract

The background in this research is to find out whether there is a relationship between the ease and trust of an e-commerce with customers who buy goods online, with this ease and trust whether purchasing goods online is increasing what are the factors that make sales increase and the variables that influence it, with the ease of using this e-commerce system and with a high level of trust, the public will be more confident shopping in an e-commerce media, because the seller provides the best service or has a very good product so that people buy with believe in the products they buy. The method used in this research is to use quantitative methods by conducting surveys to several customers who have used e-commerce media, is it easy and trustworthy in an e-commerce to increase sales, therefore, with the survey media, data is obtained primarily and the truth can be justified. With the ease and level of confidence about customers, shopping on an e-commerce can increase, with the increase, we can find out what variables can make customers shop more online, therefore variables must be known by sellers with an e-commerce system, with known variables such as ease of trust and the presence of a low price level, product sales will increase. This research will produce data that can determine whether there is a relationship between convenience and trust in purchasing goods online, with this data it can be used as a basis for further research and can be the basis for developing e-commerce systems today.
INTEGRASI MITIGASI BENCANA DALAM PEMBELAJARAN GEOGRAFI SMA MELALUI PENDEKATAN KONTEKSTUAL KURIKULUM MERDEKA Dewilna Helmi; Yosepus Anthony Hallatu; Asep Asep
SOKO GURU: Jurnal Ilmu Pendidikan Vol. 5 No. 1 (2025): April : Jurnal Ilmu Pendidikan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/sokoguru.v5i1.5063

Abstract

Indonesia is one of the most disaster-prone countries in the world, making early disaster mitigation education crucial. Geography education holds significant potential for integrating disaster literacy, especially within the context of the Merdeka Curriculum, which emphasizes flexibility and contextual learning. This study aims to explore the forms and strategies of integrating disaster mitigation content into high school geography instruction. Employing a qualitative case study design, data were collected through in-depth interviews with teachers and students, classroom observations, and document analysis of teaching modules and student projects. The results indicate that disaster mitigation topics are integrated into several geography themes such as lithosphere dynamics, risk mapping, and regional development. Teachers implement project-based learning strategies, disaster simulations, and digital media to enhance student engagement. The developed teaching modules have shown to improve disaster literacy and support the achievement of the Profil Pelajar Pancasila dimensions, particularly critical thinking, collaboration, and environmental awareness. However, challenges remain, including limited access to locally relevant learning resources and insufficient teacher training. This study recommends strengthening teacher capacity through targeted training, developing a national module framework based on disaster mitigation, and fostering cross-sector collaboration to optimize the integration of disaster education in geography instruction
KONTRIBUSI SISTEM MANAJEMEN PESERTA DIDIK TERHADAP PRESTASI NON-AKADEMIK DI SD NEGERI 1 BANJARNEGERI KABUPATEN TANGGAMUS Asep, Asep; Setyo Erni Puspita; Herlina, Herlina
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 1 (2026): Volume 11 No.1, Maret 2026.
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i1.37061

Abstract

This study aims to analyze the contribution of the student management system to non-academic achievement at SD Negeri 1 Banjarnegeri, Tanggamus District, particularly in the Festival Lomba Seni dan Sastra Siswa Nasional (FLS3N). The school’s achievements in story writing, storytelling, and expressive drawing indicate the presence of an effective and well-structured student management system. This research employed a descriptive qualitative approach with a case study design. Informants included the principal, the vice principal for student affairs, FLS3N coaches, award-winning students, and parents selected through purposive sampling. Data were collected through in-depth interviews, observations, and document analysis, and examined using the Miles, Huberman, and Saldana model consisting of data reduction, data display, and conclusion drawing. The findings show that structured planning, clear organizational roles, intensive coaching, adequate supporting facilities, and continuous monitoring and evaluation play a crucial role in improving non-academic coaching quality. The student management system significantly contributes to students’ achievements, as evidenced by their awards at the sub-district and district levels in three FLS3N competition categories. The study concludes that a comprehensive and consistent student management system is effective in optimizing students’ potential and enhancing non-academic achievements in primary schools. Keywords: student management, non-academic achievement, FLS3N, extracurricular coaching
Comparison of Student Learning Activities between the Active Learning Strategy Type Everyone is a Teacher Here and the Type True or False in Class X of Mapat Tunggul Selatan High School Khoirun Najmi Septiana; Lilis Suryani; Asep Asep
Jurnal Geografi, Lingkungan dan Kesehatan Vol 4 No 1 (2026): Jurnal Geografi, Lingkungan dan Kesehatan
Publisher : Program Studi Pendidikan Geografi Universitas Pattimura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30598/jglk.4.1.25980

Abstract

The purpose of this study was to compare student learning activities between the active learning strategy Everyone is a Teacher Here, and True or False type. This type of research is "Quasi Experiment Research" with a population of all students of SMAN Mapat Tunggul Selatan Academic Year 2025/2026. Purposive sampling was used, so that Class X phase E1 was selected as experimental class 1 and Class X phase E2 as experimental class 2. Data collection techniques were observation of learning activities, interviews, and documentation. While the data analysis technique was quantitative descriptive and t-test. Quantitative data analysis showed that the average learning activity of students in experimental class I was 82% (very active), while in experimental class II was 75% (active). The results of the t-test at a significance level of 0.05 obtained t count 0.446 while t table 1.67. Thus, there is no difference between the learning activities of students who use the active learning strategy type Everyone is a Teacher Here and the True or False type in the class of X.