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Rizal , Muhammad
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Arts Humanities Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Environmental Science Social Sciences

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Kajian Kenyamanan Termal Ruang Kelas Studio Perancangan Jurusan Teknik Arsitektur Di Kampus Ii Unkhair Quraisy, Sayyid; Rizal , Muhammad; Tayeb , Muhammad
Jurnal Lingkungan Binaan Indonesia Vol. 8 No. 4 (2019): JLBI
Publisher : Ikatan Peneliti Lingkungan Binaan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32315/jlbi.v9i4.137

Abstract

Kegiatan manusia lebih banyak di dalam ruangan, sehingga mereka sangat membutuhkan kenyamanan di dalam ruangan guna melakukan aktivitas kegiatan dengan baik, tenang dan nyaman. Penelitian ini bertujuan untuk mengetahui berapa besar energi yang dibutuhkan dalam suatu ruang yang berpengkondisian buatan untuk mendapatkan kenyamanan termal optimum yang dirasakan oleh pengguna ruang dengan membandingkan data ruang luar dan data ruang dalam. Teknik pengumpulan data dilakukan dengan menggunakan alat ukur yaitu hobo data logger untuk mendapatkan data fisik lingkungan termal. Kemudian data hasil pengukuran dianalisis menggunakan metode analisis kuantitatif deskriptif. Hasil dari penelitian ini menunjukkan bahwa temperatur udara di dalam ruangan dengan kondisi kosong dan menggunakan ventilasi alami lebih tinggi dibandingkan temperatur udara yang ada di luar ruangan, di mana temperatur udara di dalam ruangan 28-30°C sedangkan temperatur udara di luar ruangan 27-28°C, sehingga untuk mendapatkan kenyamanan termal yang optimum maka digunakan pengkondisian udara buatan dengan memperhatikan energi yang digunakan dalam pemakaian pengkondisian buatan. Pengukuran survei kenyamanan termal menghasilkan suhu ruang rata-rata 29°C pada pukul 09.00, pukul 11.00, suhu ruang 30.05°C, pukul 13.00, suhu ruang 30.06°C, pada pukul 15.00 suhu ruang 29.38°C.
Financial Literacy, Digital Payments, and Saving Behavior of Gen Z Hamdat, Aminuddin; Ramlah, Ramlah; L D Lawalata, Izaac; Rizal , Muhammad; Lutfi , Andi
Jurnal Manajemen Perbankan Keuangan Nitro Vol. 2 No. 1 (2026): Special Volume for International Collaboration ASEAN Countries
Publisher : LP2M IBK Nitro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56858/jmpkn.v2i1.882

Abstract

This study examines the influence of digital financial literacy and digital payments usage on saving behavior among Generation Z. In the digital era, financial transactions have increasingly shifted toward cashless systems, raising concerns about how digital financial environments shape financial decision-making and saving habits among young individuals. Using a quantitative approach, data were collected from 186 Generation Z respondents who actively use digital payment services. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to test the direct and moderating relationships among variables. The results indicate that digital financial literacy has a positive and significant effect on saving behavior. Digital payments usage also shows a positive influence on saving behavior. Furthermore, digital financial literacy significantly strengthens the relationship between digital payments usage and saving behavior, suggesting that financially literate individuals are better able to utilize digital payment platforms to support financial discipline rather than impulsive spending. These findings highlight the importance of integrating digital financial literacy into financial education programs to ensure that increased access to digital financial services contributes to improved financial resilience among Generation Z. The study provides practical implications for policymakers, educators, and financial institutions in promoting sustainable financial behavior in the digital economy
Co-Authors Hamdat, Aminuddin L D Lawalata, Izaac Lutfi , Andi Quraisy, Sayyid Ramlah Ramlah Tayeb , Muhammad