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All Journal Jurnal Penelitian Pendidikan IPA (JPPIPA) Nomico
Mulyanti, Dwi Retno
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Agriculture, Biological Sciences & Forestry Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Economics, Econometrics & Finance Education Materials Science & Nanotechnology Physics

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The influence of Financial Literacy on Personal Financial Management in millennials in Indonesia Wijaya, Ismed; Mulyanti, Dwi Retno; Susianto, Tri Endar; Noviya, Anis; Purnomo, Rahmat
Nomico Vol. 1 No. 12 (2025): Nomico-January
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/w09ms059

Abstract

This study explores the impact of Financial Literacy on Personal Financial Management among millennials in Indonesia. Using a quantitative approach, the research investigates the relationship between financial knowledge and the ability to manage personal finances effectively. The findings indicate that financial literacy significantly influences personal financial management, highlighting its critical role in shaping sound financial behaviors. Millennials with higher levels of financial literacy tend to demonstrate better budgeting, saving, and investment habits, reducing the likelihood of debt accumulation and promoting long-term financial stability. Conversely, a lack of financial knowledge often leads to poor financial decisions, such as excessive use of credit cards, inadequate savings, and limited understanding of investment opportunities. This study contributes to the growing body of literature by focusing on the millennial generation in Indonesia, providing practical implications for stakeholders such as policymakers, financial institutions, and educators to enhance financial literacy programs. Tailored financial education initiatives, both in formal education settings and through community outreach programs, are recommended to address the specific needs of this demographic. Future research is encouraged to expand the scope by incorporating additional variables, such as technological adoption in financial management and the influence of socio-economic backgrounds, and employing mixed-method approaches to gain deeper insights into the behavioral aspects of financial decision-making.
Integration of Portable NIRS Spectroscopy with the Internet of Things (IoT) for a Rice Quality Monitoring System in Storage Warehouses Ana, Ayu Putri; Mulyanti, Dwi Retno; Alfikri, M Reza; Mawarid, Mahran
Jurnal Penelitian Pendidikan IPA Vol 12 No 1 (2026)
Publisher : Postgraduate, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jppipa.v12i1.14038

Abstract

Rapid and non-destructive monitoring of rice quality during storage is essential for supporting effective warehouse management. This study aims to develop and evaluate the integration of Portable Near-Infrared Spectroscopy (NIRS) with an Internet of Things (IoT) framework for real-time rice quality monitoring. A quantitative experimental approach was employed by acquiring NIRS spectra in the wavelength range of 740–1070 nm from fresh and aged rice samples. The spectral data were automatically transmitted via the IoT system to a centralized server for storage and analysis. Rice quality parameters, including moisture, fat, and protein content, were predicted using a Partial Least Squares Regression (PLS-R) model based on raw spectra without spectral pretreatment. The results indicate that the PLS-R model achieved good predictive performance for moisture and fat content, with validation correlation coefficients (R) ranging from 0.87 to 1.00 and Residual Predictive Deviation (RPD) values of 1.11–3.65 for moisture and 3.70–4.65 for fat in both fresh and aged rice samples. In contrast, protein prediction showed limited accuracy, particularly in fresh rice samples with an RPD value of 1.79. The IoT system primarily functioned as a real-time data acquisition and transmission platform, enabling integrated rice quality monitoring. Overall, the findings confirm that NIRS–IoT integration is feasible for monitoring rice quality based on moisture and fat content during storage.
Co-Authors Ana, Ayu Putri Mawarid, Mahran Noviya, Anis Rahmat Purnomo, Rahmat Susianto, Tri Endar Wijaya, Ismed