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All Journal Curve Elasticity: Jurnal Pendidikan Ekonomi
Talenta Vena Insani
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Humanities Economics, Econometrics & Finance Education

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DETERMINAN ADOPSI DIGITAL BANKING DI KALANGAN MAHASISWA FAKULTAS ILMU SOSIAL DAN ILMU POLITIK UNIVERSITAS DIPONEGORO: PENDEKATAN REGRESI LOGISTIK Indah Susilowati; Yeremia Petra; Talenta Vena Insani; Tegar Hermawan; Yasmien Mumtaz Azzahra; Penesta Tia Tira Sinulingga
Curve Elasticity: Jurnal Pendidikan Ekonomi Vol 6 No 2 (2025): Curve Elasticity: Jurnal Pendidikan Ekonomi
Publisher : Universitas Nias Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57094/jpe.v6i2.3028

Abstract

The development of digital technology has driven a major transformation in the banking sector, enabling various services to be provided online through digital banking platforms. Students, as the digital native generation, are an important segment in the adoption of these services. Although various conveniences and benefits have been offered, the level of digital banking adoption among students remains uneven. This study aims to examine the interest of students from the Faculty of Social and Political Sciences (FISIP) in using digital banking and to explore the factors influencing their preferences. This research employs a quantitative approach using logistic regression analysis. Primary data were collected through questionnaires distributed to active FISIP students at Diponegoro University. Independent variables include age, GPA, semester, region of origin, entrepreneurial status, monthly allowance, and ICT literacy, with digital banking adoption as the dependent variable. The results indicate that the logistic regression model has a satisfactory goodness-of-fit, with a -2 Log Likelihood value of 99.003 and a Nagelkerke R² of 0.154. Hypothesis testing revealed that only age and semester significantly influence digital banking adoption. Age has a positive effect (p = 0.003), while semester has a negative effect (p = 0.005). Other variables—GPA, region of origin, side business, monthly allowance, and ICT literacy—show no significant effect. This study contributes conceptually to understanding technology adoption behavior and offers practical implications for financial institutions and educational bodies to enhance financial literacy and digital inclusion among students.
ESTIMASI EMISI KARBON DARI KONSUMSI LISTRIK DAN SAMPAH: STUDI KASUS PASAR BULU Yeremia Petra Sigalingging; Tegar Hermawan; Talenta Vena Insani; Penesta Tia Tira Sinulingga; Melinda Fitria; Clara Febina Tarigan; Yasmien Mumtaz Azzahra; Indah Susilowati
Curve Elasticity: Jurnal Pendidikan Ekonomi Vol 7 No 1 (2026): Curve Elasticity: Jurnal Pendidikan Ekonomi
Publisher : Universitas Nias Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57094/jpe.v7i1.4308

Abstract

Traditional markets play an important role in urban economic systems while simultaneously contributing to greenhouse gas emissions through electricity consumption and solid waste generation. Pasar Bulu, a major traditional market in Semarang City with high trading intensity and near-continuous daily operations, represents a significant source of urban carbon emissions. This study aims to quantify carbon emissions originating from electricity consumption and solid waste generation at Pasar Bulu and to analyze the dominant sources contributing to the market’s overall carbon footprint. A mixed-methods approach was employed by integrating quantitative measurements and qualitative analysis. Quantitative data were obtained from electricity consumption records of market facilities and traders’ stalls, as well as annual waste volume and composition data. Qualitative data were collected through field observations and in-depth interviews with 36 respondents representing academics, business actors, government officials, and community groups (ABGC). Carbon emission estimates were calculated using the IPCC Guidelines for National Greenhouse Gas Inventories (2006), applying the energy sector method for indirect emissions from electricity consumption and the First Order Decay (FOD) method for solid waste emissions. The results show that electricity consumption generated 15,522.83 kg CO₂, primarily originating from centralized market installations and stalls using intensive lighting and cooling equipment. Meanwhile, solid waste management produced 1,089.66 tons CO₂ per year, dominated by food waste emissions amounting to 958.83 kg CO₂, driven by methane formation during organic waste decomposition. These findings indicate that although electricity consumption constitutes the largest source of carbon emissions in absolute terms, food waste remains a critical emission component within the waste sector. Therefore, carbon mitigation strategies in Pasar Bulu should prioritize electricity efficiency improvements alongside source-based organic waste management to support sustainable and low-carbon traditional market operations
Co-Authors Clara Febina Tarigan Indah Susilowati Melinda Fitria Penesta Tia Tira Sinulingga Tegar Hermawan Yasmien Mumtaz Azzahra Yeremia Petra Yeremia Petra Sigalingging