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p-Index From 2021 - 2026
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All Journal Golden Ratio of Finance Management Law and Judicial Review
Munna, Navis Nailil
Unknown Affiliation
Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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The Impact of Financial Technology on Employee Well-Being in PDAM Jepara: Mediating Roles of Financial Literacy and Lifestyle Munna, Navis Nailil; Widiastuti, Anna; Riyoko , Sisno
Golden Ratio of Finance Management Vol. 5 No. 1 (2025): October - March
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grfm.v5i1.1099

Abstract

This research aims to analyze the influence of Financial Technology (FinTech) on Employee Well-Being, both directly and through the mediation of Financial Literacy and Lifestyle, within the context of PDAM Jepara, Indonesia. Using a purposive selection approach, 120 respondents were selected from the population of PDAM Jepara workers to participate in this research. The data was analyzed using Structural Equation Modeling (SEM) with the Smart-PLS version 4.0 tool through outer model testing, inner model testing, mediation testing, and hypothesis testing. The validity test results indicate that the instrument is valid, as evidenced by the loading factor and average variance extracted (AVE) values exceeding 0.7. Additionally, the reliability test results confirm the instrument's reliability with composite reliability and Cronbach's alpha values above 0.7. The research findings demonstrate that Financial Technology positively and significantly affects Employee Well-Being. At the same time, Financial Literacy does not directly influence Employee Well-Being in a significant manner. Moreover, Lifestyle is a significant mediating variable in the relationship between Financial Technology and Employee Well-Being, with a significant positive effect. The findings provide actionable insights for PDAM Jepara management to prioritize FinTech adoption and lifestyle education over financial literacy programs to enhance team members' well-being.
Legal Construction of Child and Adolescent Privacy Protection in the Digital Age: The Dilemma between Cyber Protection and Information Access in Schools Munna, Navis Nailil
Law and Judicial Review Vol. 1 No. 2 (2025)
Publisher : Generate Digital Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70764/gdpu-ljr.2025.1(2)-09

Abstract

Objective: This study aims to analyze the legal construction of child and adolescent privacy protection in Indonesia in the digital age, particularly addressing the dilemma between the need for cybersecurity and the right to access information in schools. Research Design & Methods: This study uses a qualitative method with a normative juridical approach through a literature review of laws, scientific literature, and related legal sources, which are analyzed descriptively and qualitatively to identify normative gaps and provide recommendations for the protection of children's privacy in the digital age. Findings: The findings reveal that Indonesia's legal framework on child privacy protection is still fragmented, with overlapping regulations, a lack of specific norms, and a lack of standard protocols for managing personal data in educational institutions. Compared to the GDPR and COPPA, Indonesian regulations are still less comprehensive, especially in terms of monitoring, law enforcement, and parental consent requirements. Schools face a significant dilemma in balancing cybersecurity measures with ensuring students' rights to access information as part of their learning process. Implications & Recommendations: This study emphasizes the importance of strengthening child privacy regulations in Indonesia through implementing specific norms, data management standards in schools, the principle of Privacy by Design, and increased digital literacy for all stakeholders to create a safe and inclusive digital education ecosystem. Contribution & Value Added: This research strengthens the discourse on child data privacy protection in Indonesia by critically comparing it with international regulations and emphasizing the importance of balancing cybersecurity and the right to information as a legal and educational necessity in the digital age.
Co-Authors Anna Widiastuti Riyoko , Sisno