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All Journal Limbago: Journal of Constitutional Law Nomico Scientica Education Journal (SEJ) Maneggio Journal of Adat Recht Journal of Strafvodering Indonesian Leges Privatae Kamara Journal EduTech Journal
Noviya, Anis
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Humanities Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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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.
Addressing the Global Environmental Crisis: The Critical Role of Natural Science in Sustainable Solutions Siyamsih, Dwi; Faradina, Anggia; Simpen, I Nengah; Noviya, Anis; Tasya, Amalia
Scientica Education Journal Vol. 1 No. 6 (2025): SEJ-January
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/8r8s1g26

Abstract

This research aims to examine the role of natural sciences in overcoming global environmental crises through sustainable science-based solutions. With environmental problems such as climate change, pollution, and ecosystem degradation on the rise, a comprehensive scientific approach is needed to identify effective mitigation and adaptation strategies. The research method used in this article is Systematic Literature Review (SLR). This approach is used to collect and analyze previous research that discusses the contribution of natural sciences in dealing with environmental crises. The literature analyzed includes international journals, academic books, and research reports from trusted institutions. The data are categorized based on relevance, methods, results, and conclusions of the research to gain a deep understanding of the latest developments in sustainable solutions. The results of the study show that natural sciences have a crucial role in overcoming the global environmental crisis through various innovations and science-based approaches. Continuous research has contributed to the development of solutions such as renewable energy, environmental conservation, and environmentally friendly technologies. To increase the effectiveness of the implementation of these solutions, closer collaboration between scientists, governments, industry, and the public is needed in integrating research results into real policies and practices. Thus, increasingly complex environmental challenges can be overcome more effectively, so that the future of the earth can be better preserved for future generations.
Cultural Transformation and Social Identity in the Digital Age Judijanto, Loso; Merung , Arteurt Yoseph; Rosalia, Olyvia; Firayani, Firayani; Noviya, Anis
Kamara Journal Vol. 1 No. 4 (2025): KJ-FEBRUARY
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/wbty5012

Abstract

The transformation of culture and social identity in the digital age is becoming an increasingly complex phenomenon along with the development of information and Communication Technology. This study aims to understand how digital media affects the construction of social identity and cultural change in society. Using a qualitative approach, this study adopts the methods of digital ethnography, discourse analysis, and case studies to explore the experiences of individuals and communities in the digital space. The results showed that social identity becomes more flexible and can be reconstructed through interactions on social media. In addition, the phenomenon of glocalization occurs, in which the local culture adapts to the global culture in digital format. However, challenges such as cultural homogenization, filter bubbles and digital Identity Security also arise in this process. In conclusion, digital media not only accelerates cultural transformation but also creates new dynamics in the formation of social identity. Further studies are needed to explore the long-term impact of this phenomenon.
The Effect of Monetary Policy on Inflation: an Empirical Approach Judijanto, Loso; Rosalia, Olyvia; Siddiqi, M.; Firayani, Firayani; Noviya, Anis
Nomico Vol. 2 No. 1 (2025): Nomico-February
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/e9hfda43

Abstract

This study explores the impact of monetary policy on inflation rate, focusing on the role of interest rates, money supply, and bank credit. Using a quantitative approach, this research analyzes how these variables influence inflation through statistical methods. The study employs multiple linear regression analysis to determine the relationships between the independent and dependent variables. Secondary data from official financial reports and economic publications provide the basis for analysis. The findings suggest that interest rates have a negative relationship with inflation, meaning an increase in interest rates can help reduce inflationary pressures. Meanwhile, money supply and bank credit have a positive relationship with inflation, indicating that higher liquidity and credit availability contribute to rising inflation. The statistical tests confirm that the model used is valid and reliable, ensuring accurate interpretations of the results. This study underscores the importance of monetary policy adjustments in maintaining price stability. Policymakers should carefully manage interest rates, money supply, and credit distribution to effectively control inflation and promote economic stability.
The role of Financial Technology (Fintech) in Improving Financial Literacy and Inclusion in Indonesia Christiaan, Pemy; Rosalia, Olyvia; Firayani, Firayani; Noviya, Anis
Maneggio Vol. 2 No. 1 (2025): Maneggio-Feb
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/tkmpes83

Abstract

This study aims to analyze the role of Financial Technology (Fintech) in improving financial literacy and inclusion in Indonesia. Fintech has grown rapidly and become a solution for people who previously had limited access to formal financial services. Using quantitative methods, this study involved 310 respondents who are users of Fintech services in Indonesia. Data was collected through an online questionnaire and analyzed using multiple linear regression and Structural Equation Modeling-Partial Least Squares (SEM-PLS). The results showed that the use of Fintech has a significant effect on improving financial literacy, especially through the financial education feature in the application. In addition, Fintech also plays a role in increasing financial inclusion by providing wider access to digital banking services, online loans, and digital-based investments. However, there are some challenges in utilizing Fintech, such as low digital literacy and concerns regarding data security. Therefore, policies that support the development of Fintech that are more inclusive and educative are needed so that the benefits can be optimally felt by the community.
Supply Chain Management in Agribusiness: Efficiency and Sustainability Strategies Amruddin, Amruddin; Said, Sadly Ashari; Rosalia, Olyvia; Firayani, Firayani; Noviya, Anis
Maneggio Vol. 2 No. 1 (2025): Maneggio-Feb
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/49fg5a93

Abstract

This research aims to explore the impact of Supply Chain Management on Efficiency and Sustainability Strategies within the agribusiness sector. Supply Chain Management plays a crucial role in optimizing operational processes, reducing logistical costs, and ensuring seamless product flow across various stages. This study focuses on the dual aspects of operational efficiency and environmental sustainability, examining how integrated strategies contribute to improving both profit margins and long-term ecological balance. Using a quantitative approach, data were collected from 180 respondents representing stakeholders in the agribusiness sector. Multiple linear regression analysis was employed to evaluate the relationships among variables. The findings reveal that effective Supply Chain Management significantly enhances both efficiency and sustainability, creating synergistic benefits for agribusinesses. Additionally, the study highlights the moderating role of government policies in amplifying these impacts through incentives for sustainable practices. This research contributes valuable insights for practitioners and policymakers, offering a framework to achieve competitive advantage while maintaining environmental stewardship.
Cancellation of Wills in Civil Inheritance Law: Conditionsand Legal Effects Noviya, Anis
Leges Privatae Vol. 1 No. 3 (2024): OCTOBER-JOY
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/bq4e0996

Abstract

This study aims to analyze the conditions and legal consequences of the cancellation of wills in civil inheritance law. In inheritance law, a will is an instrument that gives the heirs the freedom to determine the division of wealth as they wish. However, the cancellation of a will often occurs due to changes in the condition or wishes of the heir before he dies. This study uses normative juridical methods, with an approach to laws and regulations and literature studies to examine juridical aspects related to the cancellation of wills, conditions that must be met, and legal implications for heirs. The results of the study show that the annulment of a valid will must meet certain formal requirements, such as being carried out by heirs who have legal capacity and are in good mental health. Cancellation that is not in accordance with the procedure can result in legal uncertainty and disputes among the heirs, as a will that was previously considered invalid can be considered valid again. The legal consequences of this annulment of a will include changes in the distribution of inherited property, which can be done under general inheritance law if there is no new valid will. This study highlights the importance of procedural clarity and legal education so that heirs and heirs understand the impact of the act of annulment.
Evolution and Development of Customary Law in the Archipelago: From Tradition to Modernity Noviya, Anis
Leges Privatae Vol. 1 No. 2 (2024): AUGUST - JOY
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/etmv2j54

Abstract

Customary law in the archipelago is a deep cultural heritage and plays a significant role in the lives of traditional communities. This article examines the evolution and development of customary law in Indonesia, from its traditional roots to its adaptation in a modern context. This study aims to understand how customary law, which was originally local and traditional, has adapted to social, political, and legal changes that have occurred at the national and global levels. Through a historical approach and literature analysis, this article identifies important stages in the evolution of customary law, including the influence of colonialism, integration with the national legal system, and post-independence legal reform. The main focus lies on how customary law adapts to the dynamics of modernity while maintaining its cultural essence. This study also explores the challenges faced by customary law in facing globalization and social change, as well as efforts to maintain its sustainability amidst an increasingly dominant national legal system. The results show that customary law has undergone significant changes but continues to play an important role in society. Adaptation of customary law includes adjusting norms and practices to align with national law and modern values, without losing its original cultural identity. This article concludes that although customary law faces various challenges, it continues to contribute to the preservation of culture and dispute resolution in indigenous communities, as well as playing a role in the development of more inclusive national laws.
Intellectual Property Rights in the Digital Disruption Era: A Normative Review of Copyright Protection Noviya, Anis
Leges Privatae Vol. 1 No. 6 (2025): APRIL-JOY
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/wjx1qz15

Abstract

The era of digital disruption has significantly transformed the landscape of intellectual property, particularly in the realm of copyright protection. With the rapid evolution of digital technology, creative works are now more vulnerable to unauthorized use, duplication, and distribution across various online platforms. This normative legal research aims to analyze the adequacy and responsiveness of existing copyright laws in addressing the challenges posed by digital advancements. Utilizing a statute and conceptual approach, the study examines the current regulatory framework in Indonesia and compares it with international standards. The findings indicate that existing copyright laws are still limited in their ability to offer comprehensive protection in the digital age. Key issues include weak enforcement mechanisms, lack of digital monitoring systems, and outdated legal provisions that do not reflect technological realities. The study emphasizes the urgent need for legal reform that integrates digital-based enforcement tools and aligns national copyright regulations with global legal frameworks. Strengthening the legal infrastructure and improving public awareness are essential to ensure effective copyright protection in the era of digital disruption.
Mahkamah Konstitusi Dan Restrukturisasi Kewenangan Dalam Penyelesaian Sengketa Pilkada Noviya, Anis; Meri; Amanda
Limbago: Journal of Constitutional Law Vol. 5 No. 2 (2025): Journal of Constitusional Law
Publisher : Universitas Jambi, Fakultas Hukum

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/limbago.v5i2.46212

Abstract

Penelitian ini bertujuan untuk menganalisis kewenangan Mahkamah Konstitusi (MK) dalam memutus perselisihan hasil Pemilihan Kepala Daerah (Pilkada) serta menelaah implikasi Putusan MK Nomor 85/PUU-XX/2022 terhadap kewenangan tersebut. Putusan ini menegaskan bahwa kewenangan MK tidak lagi bersifat sementara dan tidak bergantung pada pembentukan badan peradilan khusus sebagaimana yang sebelumnya diatur dalam Pasal 157 ayat (1), (2), dan (3) Undang-Undang Nomor 10 Tahun 2016. Penelitian ini menggunakan metode yuridis normatif dengan pendekatan perundang-undangan, konseptual, historis, dan pendekatan kasus. Hasil penelitian menunjukkan bahwa Mahkamah Konstitusi kini berwenang secara permanen dalam mengadili sengketa hasil Pilkada, yang sebelumnya bersifat transisional. Putusan Nomor 85/PUU-XX/2022 memberikan kepastian hukum yang lebih kuat terhadap kewenangan MK dan menghapus dualisme antara rezim pemilu nasional dan Pilkada. Penegasan tersebut juga memberikan legitimasi kelembagaan yang lebih tegas terhadap MK serta memperkuat posisinya dalam sistem ketatanegaraan. Secara umum, putusan ini turut mendorong stabilitas politik daerah dan memperkuat perlindungan hak-hak politik warga negara.
Co-Authors Amanda Amruddin, Amruddin Christiaan, Pemy Faradina, Anggia Firayani, Firayani I Nengah Simpen Judijanto, Loso Meri Merung , Arteurt Yoseph Muhamad Romdoni Mulyanti, Dwi Retno Rahmat Purnomo, Rahmat Rosalia, Olyvia Said, Sadly Ashari Samsidar Samsidar Siddiqi, M. Siyamsih, Dwi Susianto, Tri Endar Tasya, Amalia Wijaya, Ismed