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All Journal Hydrogen: Jurnal Kependidikan Kimia Jurnal Manajemen Teknologi dan Sistem Informasi
Septiani, Dhea
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Chemistry Computer Science & IT Education

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Efektivitas Teknologi Financial (Fintech) dalam Mendukung Akses Keuangan Bagi Pelaku UMKM Di Kalangan Generasi Milenial Victoria, Kareen; Septiani, Dhea; Azzahra, Ratumas Fadillah; Hati, Ilok Nyen Ratu Annisa Curah; Yossinomita, Yossinomita
Jurnal Manajemen Teknologi Dan Sistem Informasi (JMS) Vol 5 No 2 (2025): JMS Vol 5 No 2 September 2025
Publisher : LPPM STIKOM Dinamika Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33998/jms.2025.5.2.2534

Abstract

This study examines the influence of financial literacy, financial technology (FinTech), and demographic moderation on the financial behavior of the Millennial generation in Indonesia. Employing a descriptive quantitative approach and the Structural Equation Modeling (SEM) method based on Partial Least Squares (PLS), data were collected from 97 respondents using a structured questionnaire. The analysis results reveal that financial literacy (X1), FinTech (X2), and demographic moderation (Z) have a significant impact on financial behavior (Y). Financial literacy directly enhances individuals’ ability to manage finances, invest, and plan for their financial future, with a P-value of 0.004. FinTech also promotes more efficient financial behavior, with a P-value of 0.009. Furthermore, demographic moderation significantly moderates the relationship between financial literacy and FinTech with financial behavior, with P-values of 0.002 and 0.035, respectively. These findings highlight the importance of incorporating demographic perspectives in understanding Millennials’ financial behavior. The research model demonstrates strong predictive capability, with an R-Square value of 0.766, indicating that 76.6% of the variance in financial behavior is explained by the independent variables. The constructs’ reliability and validity were well established, as evidenced by Cronbach’s Alpha and Composite Reliability values above 0.7, as well as an Average Variance Extracted (AVE) exceeding 0.5. Theoretically, this study contributes to the understanding of the relationship between financial literacy, FinTech, and demographic factors in shaping financial behavior. Practically, the findings suggest that FinTech service providers should design more inclusive strategies and implement effective financial education programs for Millennials. A comprehensive approach that considers demographic and technological factors is essential for enhancing financial literacy and behavior more effectively.
Voltammetric Detection of Zn2+ Ions Using a Glassy Carbon Electrode Modified with Napa-Soil-Derived NiAl2O4 Septiani, Dhea; Mawardi; Nizar, Umar Kalmar; Suryani, Okta
Hydrogen: Jurnal Kependidikan Kimia Vol. 14 No. 2 (2026): April 2026
Publisher : Universitas Pendidikan Mandalika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33394/hjkk.v14i2.20367

Abstract

This study reports the development of a glassy carbon electrode (GCE) modified with NiAl2O4 derived from napa soil for the voltammetric detection of Zn2+ ions. The modified electrode was prepared using a drop-casting method and characterized in 4.0 mM K3[Fe(CN)6] with 0.1 M KCl as the supporting electrolyte. The results showed an increase in oxidation peak current from 19.93 µA (bare GCE) to 26.80 µA and reduction peak current from −19.03 µA to −24.29 µA after modification, indicating enhanced electron transfer. Zn2+ detection was carried out in the concentration range of 1–3 mM, where the reduction peak current increased from −85.49 µA to −170.83 µA with increasing concentration. A linear relationship between concentration and current response was obtained with a regression equation of y = -42.67x – 40.42 and a correlation coefficient (R2 = 0.9907), indicating good linearity of the sensor. The limit of detection (LOD) was calculated to be 0.21 mM. Among the tested supporting electrolytes, 0.1 M KCl provided the highest and most stable current response. Although the modified electrode shows improved performance, the detection range is still limited to the millimolar level, and further studies are required to evaluate selectivity, reproducibility, and applicability in real samples. These findings demonstrate the potential of napa-soil-derived NiAl2O4 as a sustainable and cost-effective material for electrochemical sensing applications.
Co-Authors Azzahra, Ratumas Fadillah Hati, Ilok Nyen Ratu Annisa Curah Mawardi Nizar, Umar Kalmar Suryani, Okta Victoria, Kareen Yossinomita