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All Journal Bulletin of Scientific Contribution : Geology Margin: Jurnal Lentera Managemen Keuangan
Anggraeni, Sarah
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Civil Engineering, Building, Construction & Architecture Earth & Planetary Sciences Economics, Econometrics & Finance Energy Environmental Science

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Clay Mineral Identification for the Utilization of the Brick Industry in Bukit Raya, Tenggarong Seberang, Kutai Kartanegara Raharjanti, Ni'matul Azizah; Agustina, Fitriyati; Anggraeni, Sarah
Bulletin of Scientific Contribution Vol 22, No 3 (2024): Bulletin of Scientific Contribution : GEOLOGY
Publisher : Fakultas Teknik Geologi Universitas Padjadjaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24198/bsc.v22i3.57677

Abstract

Bricks as one of the main components in buildings are often made by clay contained material that supplied from the nearby resources, including in Bukit Raya, Tenggarong Seberang, Kutai Kartanegara. However, the type of clay minerals that utilized for the brick in the research area, is not identified in detailed analysis. The research is conducted to identify the lithology of the brick material as well as the clay mineral that consists in the soil or material. The analysis is carried out through field observation and laboratory analysis which included X-Ray Diffraction (XRD), Scanning Electron Microscope (SEM), and X-Ray Fluorescence (XRF) analysis. The analysis resulting the lithology of the research area is predominantly sandstone alternating with claystone and coal intercalation. The XRD analysis on claystone and soil that used for bricks showing that the samples are mainly composed by quartz, with clay minerals identified is kaolinite, montmorillonite, and illite. However, according to the SEM analysis, only kaolinite and montmorillonite that present in the samples. According to the geochemistry of the samples, the average SiO2 content is ranging from 45.8% to 55.50%.  The Fe2O3 content is measured from 2.02% to 5.96% which excess the SNI standard for pottery that set as 0.8 wt.%. CaO component varying from 0.117 to 0.221 wt.%, which still in the allowed value for the pottery materials which set to maximum 1 wt%. 
The Influence of Fintech Adoption and Cashless Payment Behavior on Financial Management Practices in Generation Z Anggraeni, Sarah; Ganarsih, Inggit
Margin: Jurnal Lentera Managemen Keuangan Vol. 3 No. 01 (2025): Februari 2025
Publisher : Lentera Ilmu Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59422/margin.v3i01.754

Abstract

This study examines the influence of Fintech Adoption and Cashless Payment Behavior on Financial Management Practices in Generation Z, a generation known to be highly adaptive to digital technology. Using a quantitative survey-based approach, this study collected data from respondents aged 21–27 years who represent the profile of Generation Z. The analysis was conducted using the Structural Equation Modeling (SEM) method to identify the relationship between independent and dependent variables. The results of the study indicate that Cashless Payment Behavior has a significant influence on improving financial management, especially through features such as real-time expense tracking and better budget planning. In contrast, Fintech Adoption shows a positive but insignificant relationship to Financial Management Practices, indicating the need for better financial literacy so that financial technology can be utilized optimally. This study emphasizes the importance of developing a digital financial literacy strategy to encourage Generation Z to utilize the potential of financial technology more effectively. In addition, this study opens up opportunities to explore other factors that influence financial management, such as social norms and consumption behavior patterns. These findings provide important contributions for policy makers and financial technology service providers in designing technology-based solutions that are more integrated with the needs of the younger generation in the digital era.
Co-Authors Fitriyati Agustina Ganarsih, Inggit Raharjanti, Ni'matul Azizah