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All Journal Dharmas Education Journal (DE_Journal) Jurnal Ilmiah Ekonomi, Manajemen dan Bisnis (EKMABIS)
Yasmin, Syari’ah Malika
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Public Health Other

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LINGKUNGAN DAN ENERGI ; MENYONGSONG ERA BERKELANJUTAN Rahmi, Cinta; Yasmin, Syari’ah Malika; Darajat, Deden Mauli; Tjiwidjaja, Halim; Salam, Fadhillah; Akmas, Nabila
Dharmas Education Journal (DE_Journal) Vol 4 No 3 (2024): DE_Journal
Publisher : Fakultas Keguruan dan Ilmu Pendidikan Univesitas Dharmas Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56667/dejournal.v4i3.1186

Abstract

Penelitian ini mengeksplorasi hubungan antara lingkungan dan energi dalam konteks transisi menuju era berkelanjutan. Tujuan utama penelitian ini adalah menganalisis dampak implementasi energi terbarukan terhadap konservasi lingkungan dan mengidentifikasi hambatan serta peluang dalam mencapai keberlanjutan energi. Metode yang digunakan adalah analisis deskriptif kualitatif berdasarkan data empiris dari studi kasus di beberapa negara yang telah mengadopsi energi terbarukan. Hasil penelitian menunjukkan bahwa penggunaan energi terbarukan, seperti tenaga surya dan angin, secara signifikan mengurangi emisi gas rumah kaca dan ketergantungan pada bahan bakar fosil. Namun, terdapat tantangan dalam hal infrastruktur dan kebijakan yang perlu diatasi untuk mempercepat transisi ini. Implikasi penelitian ini menekankan pentingnya kolaborasi antara pemerintah, sektor swasta, dan masyarakat dalam mendukung adopsi energi terbarukan secara luas. Selain itu, penelitian ini memberikan wawasan tentang perlunya inovasi teknologi dan kebijakan yang mendukung dalam rangka mencapai keseimbangan antara kebutuhan energi dan kelestarian lingkungan
Digital Applications and the Transformation of Financial Record-Keeping Among Generation Z Sutrisno, Hadi; Yasmin, Syari’ah Malika
Jurnal Ilmiah Ekonomi Manajemen & Bisnis Vol. 3 No. 4 (2025): November 2025
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60023/bq98ne83

Abstract

Despite the widespread adoption of digital financial tools, the transition from manual to automated financial record-keeping among digital natives remains underexplored. This study aims to examine the role of digital applications in transforming personal financial management practices among Generation Z in Indonesia. A descriptive qualitative approach was employed using semi-structured interviews conducted between August and October 2025 with students and young entrepreneurs at STIE Ganesha, selected through purposive sampling. The findings indicate that digital financial applications significantly shift financial practices from informal and inconsistent methods toward more structured and data-driven approaches. Commonly used applications, such as Money Lover, Money+, and Walletya, support expense tracking and financial evaluation. However, the level of utilization varies depending on users’ self-control and digital financial literacy. While these tools enhance financial awareness, they do not necessarily lead to sustained financial discipline. This study highlights that digital applications function primarily as facilitators rather than determinants of financial behavior. Their effectiveness depends on users’ ability to interpret and apply financial information. Therefore, strengthening digital financial literacy is essential to ensure that technology adoption leads to more sustainable financial practices among Generation Z
Co-Authors Akmas, Nabila Cinta Rahmi Deden Mauli Darajat, Deden Mauli Hadi Sutrisno Halim Tjiwidjaja Salam, Fadhillah