Garuda - Garba Rujukan Digital

Community-Based Early Childhood Development Center as a Platform to Overcome Stunting in PAUD Kenanga Mekar Asri Semarang Kustriyanti, Dwi; Boediarsih, Boediarsih; Hastuti, Witri; Rahayu, Hermeksi; Wulaningsih, Indah; Mardiyani; Sitepu, Andrew
Swadaya: Jurnal Pengabdian Masyarakat Vol. 2 No. 1 (2024): Swadaya: Jurnal Pengabdian Masyarakat
Publisher : Nuban Jaggadhita Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62265/swadaya.v2i1.60

Purpose: This community-based early childhood development center program aims to promote early childhood growth and development by providing a safe stimulating environment and increased knowledge about nutrition that impacts improved dietary practices. Methodology: The method of activities carried out was chosen in the form of counseling, mentoring, and training. The approach uses participatory rural appraisal (PRA) and is modified with oriented project planning (OPP). These two approaches are to achieve a catfish pond/tilapia program as an innovation project and urban farming of various vegetables. This activity requires the participation and role of partners, with the principle of and for the community itself. Findings: The children were boys (60%) with the highest ages being 36 and 48 months (30%). The majority of children develop according to age (70%), of which 4 children (28.5%) are aged 30, 36 &; 48 months, 2 children (14.2%) are 42 months old, Suspect development is 30%, of which 2 children (33.3%) are 36 &48 months and 1 child (16.7%) is 42 and 30 months old. There is only 1 child (5%) who is underweight and male, none of whom are stunted.

What Drives Digital Payment Adoption? Examining the Role of Ease of Use, Security, and Trust Fakriah, Riri Alifah; Alfhito, Mohammad Dheo; Mardiyani
Journal of Enterprise and Development (JED) Vol. 7 No. 1 (2025): January - April
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v7i1.12863

Purpose: This research examines the factors affecting the adoption of digital payments, focusing on how perceived ease of use and perceived security impact this adoption, with user trust serving as a mediating variable.Method: Data were collected in Cirebon City through a survey conducted via Google Forms, distributed both online and offline. A total of 180 respondents participated in the study. The sampling technique employed was purposive sampling, targeting individuals who currently use or have used digital payments. The data were analyzed using structural equation modeling with the partial least squares (SEM-PLS) approach.Result: The study's findings indicate that both perceived ease of use and perceived security significantly influence user trust. Additionally, these factors also have a notable impact on the adoption of digital payments. User trust effectively mediates the relationship between perceived security and digital payment adoption.Practical Implications for Economic Growth and Development: This study highlight the importance for service providers to streamline digital transaction processes, enhance security measures, and offer transparent education on data protection to foster greater adoption of digital payments. The rise in digital payment usage not only enhances financial literacy but also promotes financial inclusion within society. This research offers valuable insights for the financial industry and regulators in developing policies that can bolster public trust in digital payment systems, ultimately contributing to a more advanced, inclusive, and sustainable digital economy in Indonesia.

Affecting Factors of Interest in Using Peer-to-Peer Lending Services: Financial Behavior as a Mediator Mardiyani; Ahmad Maulana; Rita Avia Triana
Indonesian Journal of Business Analytics Vol. 5 No. 2 (2025): April 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijba.v5i2.13720

In order to ascertain how risk perception and financial literacy affect students' interest in using P2P lending services, this study employs financial behavior as a mediating variable. This study is causally related to the FEB UGJ student population, with a sample of 384 students based on the Likert scale. The data was analyzed using the Structural Equation Modeling (SEM) method. The results show that financial behavior, influenced by risk perception and financial literacy, mediates students' interest in peer-to-peer lending. This study emphasizes the importance of teaching students financial literacy and risk awareness to encourage responsible fintech use. To encourage responsible P2P lending use, regulators and educational institutions need to increase students' knowledge of risk.

Financial Management Behavior analysis: The Role of Financial Attitudes and Consumptive Behavior as Mediating Mardiyani; Dwiputri Khusnul Chotimah; Rafi Murtadha Astaghfirullah
Indonesian Journal of Business Analytics Vol. 5 No. 2 (2025): April 2025
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijba.v5i2.13728

This research has the objective to explore the relationship between financial literacy, financial attitude, as well as consumptive behavior. The conduct of data analysis was with the use of SEM-PLS with the SmartPLS3 application and implemented a quantitative approach with a causal associative research design. The findings revealed that financial literacy significantly influences financial attitude, consumptive behavior, as well as financial management behavior. On top of direct effects, financial attitude and consumptive behavior also serve as mediators that strengthen the relationship between financial literacy with financial management behavior. This research’s implications suggest that digital and interactive financial education strategies must be optimized to help millennials develop prudent financial attitudes, planned consumption patterns, and more responsible financial management.

What Drives Digital Payment Adoption? Examining the Role of Ease of Use, Security, and Trust Fakriah, Riri Alifah; Alfhito, Mohammad Dheo; Mardiyani
Journal of Enterprise and Development (JED) Vol. 7 No. 1 (2025)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v7i1.12863

Purpose: This research examines the factors affecting the adoption of digital payments, focusing on how perceived ease of use and perceived security impact this adoption, with user trust serving as a mediating variable.Method: Data were collected in Cirebon City through a survey conducted via Google Forms, distributed both online and offline. A total of 180 respondents participated in the study. The sampling technique employed was purposive sampling, targeting individuals who currently use or have used digital payments. The data were analyzed using structural equation modeling with the partial least squares (SEM-PLS) approach.Result: The study's findings indicate that both perceived ease of use and perceived security significantly influence user trust. Additionally, these factors also have a notable impact on the adoption of digital payments. User trust effectively mediates the relationship between perceived security and digital payment adoption.Practical Implications for Economic Growth and Development: This study highlight the importance for service providers to streamline digital transaction processes, enhance security measures, and offer transparent education on data protection to foster greater adoption of digital payments. The rise in digital payment usage not only enhances financial literacy but also promotes financial inclusion within society. This research offers valuable insights for the financial industry and regulators in developing policies that can bolster public trust in digital payment systems, ultimately contributing to a more advanced, inclusive, and sustainable digital economy in Indonesia.

The Impact of Capital Structure and Liquidity on Firm Value with Profitability as an Intervening Variable: A Study on LQ45 Companies Qinthara, Aisyah Noor; Ramadhan, Nanda Galih; Mardiyani; Parlina, Nurhana Dhea
Ilomata International Journal of Tax and Accounting Vol. 5 No. 3 (2024): July 2024
Publisher : Yayasan Ilomata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijtc.v5i3.1732

The objective of this study is to investigate how capital structure and liquidity affect company value in companies listed on the LQ45, using profitability as an intervening variable. According to the purposive sampling technique, 31 companies were selected as samples with an observation period during 2021–2023, yielding 93 observation data. The study uses a quantitative method with a causal associative approach, and the population comprises of organizations that were on the LQ45 list in 2023. The data was analyzed using path analysis using the LISREL 8.8 program. According to the findings, capital structure and liquidity had no significant effect on profitability or company value, and profitability did not mediate the effect of the two factors on firm value. This conclusion shows that current investors tend to pay more attention to the company's ability to make profits, as well as other essential elements such as growth potential, innovation, and capital business sustainability. This study recommends that companies focus more on optimizing profitability and developing non-financial aspects such as growth potential, innovation, and business sustainability to enhance company's value.

The Role of Financial Inclusion: Development MSMEs Financial Management of Cirebon in Indonesia Setiana, Cisa; Hardyanti, Tia; Mardiyani
Dinasti International Journal of Digital Business Management Vol. 6 No. 4 (2025): Dinasti International Journal of Digital Business Management (June - July 2025)
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijdbm.v6i4.4917

Analyzing the influence of fintech and understanding financial literacy on MSME financial management in Cirebon City consider financial inclusion as a mediating factor in this relationship. This research uses quantitative methods and the type of research used was associative causal with a population of all MSMEs in Cirebon City. The sample obtained was 150 respondents using the SEM PLS PLS 4 method for analyzing causal relationships between variables. Findings: The findings in this research emphasize the importance of increasing financial literacy and access to financial inclusion for MSME players, as well as the need for more effective training programs in the use of fintech to improve financial management. Increasing understanding and use of financial technology is expected to support the sustainability and growth of MSMEs in Cirebon City. The findings offer understanding and use of financial technology, it is hoped that it can support the sustainability and growth of MSMEs in Cirebon City. However, there are limitations in this research which can be taken into consideration for further research so that the results obtained are maximized, by not just limiting it to city areas. Apart from that, support from previous research for the results of testing the same hypothesis is still relatively small. This research addresses the gap in understanding the impact of fintech on SMEs and offers new insights into financial literacy in managing their finances.

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