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All Journal JAF- Journal of Accounting and Finance Jurnal Riset Madrasah Ibtidaiyah (JURMIA)
Iqnatia
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Economics, Econometrics & Finance Education Other

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Pengembangan Media Kartu Kuartet untuk Keterampilan Menulis Kalimat Sederhana Arfiana, Rizma; Nanang; Iqnatia; Afakh
Jurnal Riset Madrasah Ibtidaiyah (JURMIA) Vol. 4 No. 1 (2024): Jurnal Riset Madrasah Ibtidaiyah
Publisher : Jurnal Riset Madrasah Ibtidaiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32665/jurmia.v4i1.2717

Abstract

This study aims to describe the quality of learning media produced in terms of validity and effectiveness as well as describe students' responses to quartet card learning media for simple sentence writing skills.  The development of quartet card media uses the ADDIE model (Analyze, Design, Development, Implementation, and Evaluation). This research was conducted at UPT SD Negeri 23 Gresik. The subjects of this research were fourth grade students of UPT SD Negeri 23 Gresik. The techniques used for data collection are media validation and questionnaires. The data analysis techniques used were media and material expert validation analysis, student response questionnaire analysis, and media effectiveness analysis. As a result of the research, two media experts who are lecturers in the Elementary School Teacher Education study program and two material experts from classroom teachers IV UPT SD Negeri 23 Gresik declared the quartet card learning media for simple sentence writing skills to be "very valid" in terms of both validity and effectiveness. 85.71% and 82.85%, respectively, were the scores of the first and second media expert validators. In the meantime, 95% was the score obtained by the first material expert validator and 92.25% by the second. The medium was deemed effective when 90.7% of the students' completed assignments met the required standards. The quartet card learning media received an overall response rate of 87.79% from 43 students, indicating that the media was deemed "very positive".
QRIS in the Hands of Gen Z: Balancing Lifestyle, Literacy, and Locus of Control Iqnatia; Sandhika Cipta Bidhari
JAF (Journal of Accounting and Finance) Vol. 10 No. 1 (2026): JAF - Journal of Accounting and Finance
Publisher : FEB-Telkom University Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25124/jaf.v10i1.10080

Abstract

The rapid adoption of digital payment systems, specifically QRIS, has fundamentally transformed the consumption patterns and financial habits of Generation Z. However, this digital shift presents significant challenges, as a consumptive lifestyle, insufficient financial literacy, and diminished self-control often hinder the development of prudent financial management. This study investigates the impact of financial literacy, lifestyle, and locus of control on the financial management behavior of 100 Gen Z QRIS users in Jakarta. Employing a quantitative approach with purposive sampling, the criteria included individuals aged 17–28 who utilize QRIS at least three times monthly. Data were analyzed using multiple linear regression via SPSS 26. The findings demonstrate that financial literacy, lifestyle, and locus of control, both partially and simultaneously exert a positive and significant influence on the financial management behavior of Generation Z in the digital payment ecosystem.
Co-Authors Afakh Arfiana, Rizma Bidhari, Sandhika Cipta Nanang