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All Journal Jurnal Ilmiah Universitas Batanghari Jambi EKONOMIS : Journal of Economics and Business SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan J-MAS (Jurnal Manajemen dan Sains) Eksis: Jurnal Ilmiah Ekonomi dan Bisnis JUMANJI (JURNAL MANAJEMEN JAMBI) Jurnal Manajemen dan Bisnis Dinasti International Journal of Education Management and Social Science Dinasti International Journal of Digital Business Management JURNAL ILMIAH MAKSITEK Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Economics and Digital Business Review Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) Jurnal Karya Abdi Masyarakat Journal of Business Studies and Management Review Jurnal Pengabdian Kepada Masyarakat Ekonomi, Pendidikan, dan Sosial Humaniora Greenation International Journal of Economics and Accounting Global Economics: International Journal of Economic, Social and Development Sciences Fundamental and Applied Management Journal Journal of Economic Education and Entrepreneurship Studies Indonesian Journal of Enterprise Architecture Jurnal Kompetitif
Albetris
Magister Ekonomi, Universitas Tadulako, Sulawesi Tengah, Indonesia
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Does Financial Literacy Matter? The Mediating Role of Financial Inclusion in Shaping Students’ Financial Management Behavior Sumantri; Albetris; Muhammad Akbar
Fundamental and Applied Management Journal Vol. 3 No. 2 (2025): Fundamental and Applied Management Journal
Publisher : Global Research Collaboration

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66314/famj.v3i2.578

Abstract

This study aims to examine the effect of financial literacy on financial management behavior, with financial inclusion acting as a mediating variable among university students. Using a quantitative approach, data were collected through a structured questionnaire distributed to undergraduate students of the Management Department at the Graha Karya Muara Bulian University, covering cohorts from 2020 to 2025. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that financial literacy does not have a significant direct effect on financial management behavior. However, financial literacy has a positive and significant effect on financial inclusion, and financial inclusion, in turn, significantly influences financial management behavior. Furthermore, the mediation analysis reveals that financial inclusion fully mediates the relationship between financial literacy and financial management behavior. These findings suggest that financial knowledge alone is insufficient to shape sound financial behavior without adequate access to financial services. Therefore, improving financial inclusion is essential to enhance the effectiveness of financial literacy in promoting better financial management behavior, particularly among students.
Penguatan kompetensi mahasiswa melalui integrasi scite.AI dalam analisis literatur karya ilmiah Yunus, Santi; Yunus, Rita; Akbar, Muhammad; Albetris, Albetris; Sari, Nurfadilah Sindika
SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Vol 10, No 2 (2026): April
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jpmb.v10i2.38569

Abstract

Abstrak Perkembangan Artificial Intelligence (AI) di pendidikan tinggi menghadirkan peluang dalam penguatan literasi akademik, khususnya pada kemampuan analisis literatur mahasiswa. Kegiatan pengabdian ini bertujuan meningkatkan kompetensi mahasiswa melalui integrasi Scite.AI sebagai pendukung analisis literatur dalam karya ilmiah. Program dilaksanakan pada 16 Agustus 2025 di Ruang BTE 21 dengan melibatkan 33 mahasiswa yang sedang atau akan menyusun tugas akhir. Metode yang digunakan adalah pelatihan berbasis pendampingan dengan desain workshop praktik dan pendekatan experiential learning. Kegiatan meliputi pemaparan konsep citation context, demonstrasi fitur Scite.AI, praktik analisis fungsi sitasi (mentioning, supporting, contrasting), serta diskusi dan refleksi. Hasil menunjukkan bahwa penggunaan Scite.AI membantu mahasiswa memahami konteks sitasi secara lebih kritis dan tidak lagi bergantung pada jumlah sitasi semata. Integrasi AI yang dipadukan dengan pendampingan terstruktur terbukti mendukung peningkatan ketelitian analisis literatur dan kualitas argumentasi ilmiah. Dengan demikian, pemanfaatan Scite.AI berbasis pendampingan dapat menjadi strategi efektif dalam memperkuat kompetensi literasi akademik mahasiswa di era digital. Kata kunci: artificial intelligence; scite.AI; analisis literatur; citation context; pendampingan. Abstract The development of Artificial Intelligence (AI) in higher education offers opportunities to strengthen students’ academic literacy, particularly in literature analysis skills. This community service program aimed to enhance students’ competencies by integrating Scite.AI as a tool to support literature analysis in academic writing. The program was conducted on August 16, 2025, in Room BTE 21 and involved 33 students preparing their undergraduate theses or scientific articles. The method employed was mentoring-based training combined with a practice-oriented workshop and an experiential learning approach. Activities included introducing citation context concepts, demonstrating Scite.AI features, practicing citation function analysis (mentioning, supporting, contrasting), and conducting guided discussions and reflections. The results indicate that Scite.AI helped students interpret citation contexts more critically and move beyond relying solely on citation counts. The integration of AI with structured mentoring contributed to improved rigor in literature analysis and stronger scientific argumentation. Therefore, mentoring-based integration of Scite.AI represents an effective strategy for strengthening academic literacy competencies in the digital era. Keywords: artificial intelligence; scite.AI; literature analysis; citation context; mentoring.
Evaluation of the Impact of PSAK 71 Implementation on the Financial Performance of Regional Development Banks: A Comparative Study Before and After the Adoption of the Standard Rahayu, Rahayu; Herawaty, Netty; Lutfi, Lutfi; Albetris, Albetris; Luthfi, Musthafa
Greenation International Journal of Economics and Accounting Vol. 4 No. 1 (2026): Greenation International Journal of Economics and Accounting (March - April 202
Publisher : Greenation Research & Yayasan Global Resarch National

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/gijea.v4i1.782

Abstract

The study uses data from 24 Regional Development Banks (BPD) over a six-year period (2018–2023), consisting of two years before and four years after the implementation of PSAK 71. The ratios examined include Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Return on Assets (ROA), Return on Equity (ROE), Operating Expenses to Operating Income (BOPO), and Loan to Deposit Ratio (LDR). The analysis results indicate that there are significant differences in the ROA and BOPO variables after the implementation of PSAK 71, while the other variables do not show significant changes. These findings suggest that the new accounting standard has a selective impact on indicators of bank financial performance. This study provides empirical contributions for regulators, public accountants, and banking management in understanding the implications of new accounting policies on the stability and efficiency of the banking sector.
Identifying Proprietary Channel Impact as A Digital Financial Services Indicator on Inflation in Indonesia Rahayu, Rahayu; Luthfi, Musthafa; Albetris, Albetris; Rahman, Failur; Nurhayani, Nurhayani
Journal of Economic Education and Entrepreneurship Studies Vol. 7 No. 3 (2026)
Publisher : Department of Economics Education, Faculty of Economics, Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62794/je3s.v7i3.207

Abstract

Availability of financial services by Banks in Indonesia can make transactions in some sectors of economy more flexible and easier. This inclusiveness creates a new habit in society for payments, money transfer, and other transaction, furthermore, the use of digital financial services can boost the selling performance of MSME’s, especially in e-commerce. Nowadays, the increasing of digital financial services using, affecting money in circulation to prevent inflation. This research aims to measure the extent of the digital financial services can impact inflation by measuring of money supply that use a digital financial service making an econometrics model of Error Correction Model. This model construct of digital financial services that be indicated by proprietary channel. Some variable of proprietary channel includes the use of mobile-internet banking as first variable and the use of phone banking as second variable. This research will find which variable can affect the money supply as an inflation indicator. The finding of this research can be concluded that mobile-internet banking has a significant impact on inflation and phone banking has a significant impact on inflation too. These variables also have simultaneously significant impact on inflation in short run and in long run. So, maintaining inflation have to be considered by the relevant authority.
Co-Authors Abdul Wahab Abdul Wahab Daeng Ade Octavia Afrila, Diliza Ahmad Rifa'i AKHMAD IRWANSYAH SIREGAR Akhmad Irwansyah Siregar Akhmadi Akhmadi Akhmadi Akhmadi Alhudhori Ali Akbar Ali Fahmi Ayu Esteka Sari Ayu Yarmayani Azizah , Azizah Azizah Azizah Berlian, Dandy Dandy Berlian Dian Yulistarini Dian Yulistarini Diyah Diyah Dwi Kurniawan, Dwi Etty Siswati Etty Siswati Evi Adriani Fadil Iskandar Failur Rahman Fathiyah Fauziah Fauziah Fikri, Khusnul Friska Artaria Sitanggang Gampo Haryono Hasan Basri Hasminidiarty Heni Pratiwi Hermanto Hermanto Hutabarat, Zuhri Saputra Ida Yusnita Ira Febrianti Irfan Widyanto johannes johannes Johar, Leily W Jonner Simarmata Jonner Simarmata Leily W Johar Leily Wustha Johar Lutfi Lutfi Luthfi, Musthafa M Alhudhori M Alhudhori M. Zahari Mufidah Mufidah Mufidah Mufidah Mufidah Muhammad Akbar Muhammad Emil Muhammad Emil Musthafa Luthfi Netty Herawaty Noviardi Ferzi Nuraini Nuraini Nurdin Nurdin Nurfadilah Sindika Sari Nurhayani nurhayani Pamungkas, Satriyo Pratiwi, Heni R. Adisetiawan Rahayu Rahayu Rahayu Rahayu Reni Devita Riko Mappadeceng Rita Yunus Roky Apriansyah Said Almaududi Said Almaududi Salamah Salamah Suharmiyati, Suharmiyati Sumantri Sumantri Sumantri Sumantri Sumantri Sumantri Sumantri Sumantri Sumantri Sumantri Syaputra, Deki Tona Aurora Lubis Triyono, Aris Umar Djufri Widyanto, Irfan Yenny Iskandar Yunan Surono Yunan Surono Yunan Surono, Yunan Yunus, Santi