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SYSTEMATIC LITERATURE REVIEW: DAMPAK KESENJANGAN LITERASI DAN INKLUSI KEUANGAN TERHADAP PERILAKU KONSUMTIF PENGGUNA LAYANAN PAY LATER Kholqiyah, Dewi Azizatul; Mustapa, Alan; Khayati, Afif Nur; Nuryana, Ita; Nihayah, Dyah Maya
Indo-Fintech Intellectuals: Journal of Economics and Business Vol. 5 No. 2 (2025): Indo-Fintech Intellectuals: Journal of Economics and Business (2025)
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/ifijeb.v5i2.2983

Abstract

Tingginya inklusi keuangan tanpa disertai literasi keuangan yang baik membuat masyarakat cenderung kurang mempertimbangkan kemampuan finansial mereka sehingga mereka akan cenderung berperilaku konsumtif. Penelitian ini bertujuan untuk menelaah lebih dalam dampak kesenjangan antara literasi dan inklusi keuangan terhadap perilaku konsumtif pengguna layanan pay later serta merumuskan solusi yang tepat untuk mengatasi permasalahan tersebut. Penelitian ini menggunakan metode Systematic Literature Review (SLR) dengan kerangka kerja PRISMA. Berdasarkan hasil dan pembahasan dapat disimpulkan bahwa literasi keuangan memiliki peran yang penting dalam membentuk perilaku konsumtif pengguna layanan pay later.
Analisis Life Cycle Assessment (LCA) Produksi Tahu Bakso Skala Rumahan: Dampak Lingkungan dan Solusi Mustapa, Alan; Putri, Dian Khoiriyani; Hakim, Muh. Adrikni Al; Pujiati, Amin; Melati, Inaya Sari
TRILOGI: Jurnal Ilmu Teknologi, Kesehatan, dan Humaniora Vol 6, No 3 (2025)
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/trilogi.v6i3.12412

Abstract

The home-based food industry, including tofu and meatballs, plays an important role in supporting the local economy and overcoming environmental poverty challenges. This study aims to analyze the environmental impact of home-based tofu and meatball production using ISO and OpenLCA standards. The analysis covers all stages of production, from raw material acquisition, washing, grinding, mixing, filling, steaming, to cooling. The Life Cycle Inventory (LCI) results show that each stage contributes to the use of energy, air, and raw materials, with the steaming process having the greatest impact on the most dominant category compared to other stages. Recommended measures include energy efficiency through heat insulation and biogas use, selection of local suppliers, use of low-chemical raw materials, air washing recycling, and utilization of organic waste for compost or biogas. This study proves the need for sustainable production strategies in the home-based food industry, not only to minimize environmental impact, but also to strengthen competitiveness and local economic sustainability.
Efektivitas media pembelajaran berbasis Google Sites dalam meningkatkan pemahaman konsep siswa kelas X Mustapa, Alan; Tri Bowo Santoso, Jarot
Jurnal Pendidikan Ekonomi (JUPE) Vol. 13 No. 3 (2025)
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jupe.v13n3.p259-272

Abstract

Technological advancements have influenced the use of digital media in economics learning. Digital media is believed to provide an interactive and efficient learning experience while expanding access to learning resources. However, research on the effectiveness of Google Sites as an interactive learning medium remains limited, particularly for the topic of scarcity. This study aims to analyze the effectiveness of using Google Sites to enhance students’ understanding of scarcity concepts in tenth-grade classes. Using a descriptive qualitative method, data were collected through unstructured interviews, participatory observations, and document analysis of student assignments uploaded to Google Drive. The informants consisted of one economics teacher and 18 tenth-grade students at SMA Negeri 1 Ungaran. The findings indicate that Google Sites is effective in: (1) presenting scarcity materials visually and interactively, (2) increasing student engagement, and (3) supporting independent learning. The main challenges include internet dependency and the need for teacher training in digital content development. This study recommends integrating Google Sites with a flipped classroom model.