Garuda - Garba Rujukan Digital

STAD Learning Model with Ã¢â‚¬Å“Nabung Saham GoÃ¢â‚¬Â Simulation to Improve Financial Literacy Fatimah, Siti; Rusdarti, Rusdarti; Oktarina, Nina
Journal of Economic Education Vol 9 No 2 (2020): December 2020 - Article In Press
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jeec.v9i2.41854

One of the aspects of literacy that students must and need to be mastered as a provision for future life is financial literacy. This study aims to develop a learning model in economics that is valid, practical, and effective to improve the financial literacy of students of SMAN 16 Semarang. The type of research was research and development (R&D) with a 4D development model which consists of define, design, develop, and disseminate stages. Due to time and cost limitations, this research only reaches the development stage with a product trial to produce the final model of learning. Model validation used expert validation technique (Delphi exercise) with two experts carried out in two stages. The data collection used expert validation sheets, teacher and student practicality sheets, test sheets, observation sheets, and questionnaires. The data obtained were analyzed quantitatively and explained descriptively in the discussion. The results of the study state that 1) The learning model meets the valid criteria, with a score of 4.05 in Stage I and Stage II with an average score of 4.32 in the very valid category 2)The results of teacher's questionnaire response have an average score of 4.30 and students have an average score of 4.31 learning model meets very practical criteria 3)The learning model has met the effective criteria. In the Paired Sample Test, there is a 2-way (t-tailed) significance value of 0.000 <0.05, which means that there is a difference between before and after the learning model carried out. The N-gain test of 0.36 is in the medium category. Thus, it means that the simulation-based STAD cooperative using Nabung Saham Go is effective in improving students' financial literacy.

STAD Learning Model with "Nabung Saham Go" Simulation to Improve Financial Literacy Fatimah, Siti; Rusdarti, Rusdarti; Oktarina, Nina
Journal of Economic Education Vol 10 No 1 (2021): June 2021
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jeec.v9i2.41854

One of the aspects of literacy that students must and need to be mastered as a provision for future life is financial literacy. This study aims to develop a learning model in economics that is valid, practical, and effective to improve the financial literacy of students of SMAN 16 Semarang. The type of research was research and development (R&D) with a 4D development model which consists of define, design, develop, and disseminate stages. Due to time and cost limitations, this research only reaches the development stage with a product trial to produce the final model of learning. Model validation used expert validation technique (Delphi exercise) with two experts carried out in two stages. The data collection used expert validation sheets, teacher and student practicality sheets, test sheets, observation sheets, and questionnaires. The data obtained were analyzed quantitatively and explained descriptively in the discussion. The results of the study state that 1) The learning model meets the valid criteria, with a score of 4.05 in Stage I and Stage II with an average score of 4.32 in the very valid category 2)The results of teacher's questionnaire response have an average score of 4.30 and students have an average score of 4.31 learning model meets very practical criteria 3)The learning model has met the effective criteria. In the Paired Sample Test, there is a 2-way (t-tailed) significance value of 0.000 <0.05, which means that there is a difference between before and after the learning model carried out. The N-gain test of 0.36 is in the medium category. Thus, it means that the simulation-based STAD cooperative using Nabung Saham Go is effective in improving students' financial literacy.

Membangun Kemandirian Finansial Penerima PKH Melalui Pelatihan Pengelolaan Keuangan yang Praktis dan Berkelanjutan Amalia, Via; Eriyani, Eriyani; Fatimah, Siti
RENATA: Jurnal Pengabdian Masyarakat Kita Semua Vol. 3 No. 1 (2025): Renata - April 2025
Publisher : PT Berkah Tematik Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61124/1.renata.145

Kegiatan pengabdian ini bertujuan membangun kemandirian finansial penerima manfaat PKH di Desa Kalijurang, Kecamatan Tonjong, Brebes, melalui pelatihan pengelolaan keuangan yang praktis dan berkelanjutan. PKH merupakan program bantuan tunai bersyarat bagi masyarakat miskin guna mengurangi kemiskinan dan meningkatkan kualitas hidup KPM. Namun, banyak KPM masih kesulitan mengelola bantuan secara efektif. Pelatihan ini diikuti oleh 25 peserta yang merupakan penerima manfaat PKH dan dilaksanakan dengan metode partisipatif, yang mencakup penyampaian materi, simulasi, serta diskusi kelompok. Materi pelatihan meliputi perencanaan keuangan, pengelolaan pendapatan, pencatatan pengeluaran, serta prioritas kebutuhan rumah tangga. Evaluasi pelatihan dilakukan melalui pre-test dan post-test untuk mengukur peningkatan literasi keuangan peserta. Hasil evaluasi menunjukkan bahwa nilai rata-rata pre-test peserta adalah 60,6 sedangkan nilai rata-rata post-test meningkat menjadi 84,8 yang mencerminkan peningkatan pemahaman keuangan sebesar 40%. Selain itu, pelatihan ini berkontribusi dalam mengurangi ketergantungan terhadap bantuan dan mendorong kemandirian ekonomi peserta

Reformulasi Kerangka Sharia Sustainability Accounting: Studi Normatif pada Industri Halal Moh Eko Saputro; Fatimah, Siti; Pratista, Ardhana Reswari Hasna
Journal of Applied Accounting And Business Vol. 7 No. 1 (2025): JAAB - Juni 2025
Publisher : LP2M Politeknik Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37338/jaab.v7i1.468

This study aims to reformulate a conceptual framework for sustainability accounting based on Islamic values, specifically tailored for the halal industry. While global sustainability reporting standards such as the Global Reporting Initiative (GRI) and IFRS Sustainability Disclosure Standards have become widely adopted, they remain secular and value-neutral, often lacking spiritual and ethical dimensions essential in Islamic business ethics. Through a normative-conceptual approach, this research critically examines the normative gaps in conventional sustainability frameworks when applied to halal enterprises and proposes an alternative model rooted in maqashid al-shariah and Islamic ethics (akhlaq). The scope of the study includes a comprehensive literature analysis of conventional standards, classical Islamic legal texts, and contemporary fatwas and regulations relevant to halal enterprises in Indonesia. The findings highlight three key gaps: the absence of spiritual accountability, the lack of faith-based social justice indicators (e.g., zakat, waqf), and the need for ethical environmental stewardship based on the concept of khalifah and amanah. As a result, the study proposes a new sustainability accounting framework consisting of three integrated dimensions spiritual, social, and ecological—each aligned with specific Islamic values and reporting indicators. This framework emphasizes dual accountability: to society and to God. The conclusion affirms that sustainability accounting in the halal industry must evolve beyond profit and compliance, toward a spiritually grounded, ethically driven model that reflects the holistic nature of Islamic business

Financial and Digital Literacy: Their Impact on Interest Use of QRIS and Entrepreneurial Behavior anggraeni, oki; Puspasari, Elsa; Ilma, Ajeng Faizah Nijma; Fatimah, Siti
EconBank: Journal of Economics and Banking Vol 7 No 1 (2025): Econbank
Publisher : Sekolah Tinggi Ilmu Ekonomi Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/econbank.v7i1.497

The Quick Response Code Indonesia Standard QRIS service has supported payments from bank and non-bank providers used in the community. This payment system through QRIS can not only be done in malls or large shopping centers but can also be used in stalls, tourist attractions, even traditional markets or traditional markets if they already use the QRIS logo. Pasar Manis Purwokerto was the location of the study with 49 respondents. The analysis technique used was multiple linear regression analysis. The results of the study showed that financial literacy, digital literacy and the use of the QRIS application had a positive and significant influence on entrepreneurial behavior. Digital literacy is the most dominant variable in influencing entrepreneurial behavior in the Pasar Manis Purwokerto.

The Moderating Role of QRIS on the Effect of Price and Promotion toward UNNES Students’ Purchasing Decisions for MSME Products Fatimah, Siti; Moh. Eko Saputro
Journal of Economic Education Vol. 14 No. 1 (2025): June 2025
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jeec.v14i1.24221

This research is motivated by the innovation implemented by most MSMEs in the UNNES area in the non-cash payment system in the form of QRIS. This study aims to analyze the effect of the QRIS system in moderating prices and promotions on UNNES students' purchasing decisions. The method used in this study is moderation regression analysis (MRA), which is analyzed using SPSS, and data collection using questionnaire techniques. The research sample is students who used MSME goods and services around the campus. The findings of this study indicate that price and promotion remain key factors influencing students' purchasing decisions. In contrast, using QRIS does not moderate the relationship between these variables and purchasing behavior. This outcome suggests that students prioritize price and promotional offers over payment. Furthermore, students perceive that using QRIS may encourage increased spending, which is problematic given their typically limited financial resources. As a result, QRIS is often regarded as a secondary payment option, used only after cash, due to concerns about its potential to reduce spending control.

Title

Found 6 Documents
Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title Search

Found 6 Documents Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title

Found 6 Documents
Search