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All Journal Indo-MathEdu Intellectuals Journal Jurnal Puan Indonesia Jurnal Ekonomi Syariah dan Bisnis PESHUM Algebra : Jurnal Pendidikan Sosial dan Sains
Fera Zora
Universitas Mahaputra Muhammad Yamin
Humanities Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Neuroscience Physics Public Health Social Sciences Other

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Adopsi Digital Banking Syariah Generasi Z: Perspektif TAM dan Maqashid Syariah intan putri delima; Zahara Mahdalena; Wesi Oktavianti; Ichsan Anta Ridho; Fera Zora
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 9 No. 1 (2026)
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v9i1.19008

Abstract

Transformasi digital dalam sektor keuangan telah mendorong perbankan syariah untuk mengembangkan berbagai layanan digital guna meningkatkan kualitas pelayanan dan memperluas inklusi keuangan syariah. Generasi Z menjadi kelompok yang potensial dalam pengembangan digital banking syariah karena memiliki tingkat literasi teknologi yang tinggi dan intensitas penggunaan internet yang besar. Namun demikian, berbagai penelitian menunjukkan bahwa tingkat pemanfaatan layanan digital banking syariah masih belum optimal dibandingkan dengan potensi pasar yang tersedia. Kondisi ini menunjukkan adanya kesenjangan antara perkembangan teknologi perbankan syariah dan tingkat penerimaan pengguna. Penelitian ini bertujuan menganalisis faktor-faktor yang mempengaruhi adopsi perbankan digital syariah pada Generasi Z melalui integrasi Technology Acceptance Model (TAM) dan Maqashid Syariah. Penelitian menggunakan metode studi literatur dengan menganalisis berbagai artikel ilmiah nasional dan internasional yang diterbitkan pada periode 2021–2026. Data dikumpulkan melalui proses identifikasi, seleksi, klasifikasi, dan sintesis literatur yang relevan. Hasil kajian menunjukkan bahwa persepsi kegunaan dan persepsi kemudahan penggunaan merupakan faktor utama yang mempengaruhi minat penggunaan digital banking syariah. Selain itu, nilai-nilai Maqashid Syariah berkontribusi dalam meningkatkan kepercayaan, persepsi kepatuhan syariah, dan keyakinan pengguna terhadap layanan keuangan digital syariah. Kebaruan penelitian ini terletak pada integrasi perspektif teknologi dan perspektif syariah dalam menjelaskan perilaku adopsi perbankan digital syariah pada Generasi Z. Penelitian ini merekomendasikan pemberdayaan inovasi layanan digital yang tidak hanya berfokus pada kemudahan teknologi, tetapi juga pada penerapan nilai-nilai syariah secara berkelanjutan. Keywords: digital banking syariah; generasi z; maqashid syariah; technology acceptance model; studi literatur
Disrupsi Digital Terhadap Struktur Pasar Tradisional: Tantangan Bagi Pelaku Usaha Kecil Al Awali Hidayah; Amanda Aulia Pratama; Ela Rahma Yani; Nabila Syafira; Muhammad Syahril; Fera Zora
Indo-MathEdu Intellectuals Journal Vol. 7 No. 3 (2026): Indo-MathEdu Intellectuals Journal
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/imeij.v7i3.6469

Abstract

Digital disruption has brought significant changes to traditional market structures in Indonesia, particularly through the development of digital technology, e-commerce, and online transaction systems, which have impacted consumption patterns and the level of business competition. This article aims to analyze the impact of digital disruption on changes in traditional market structures and identify the challenges faced by small businesses in navigating the digital economy era. This research uses a qualitative approach with a systematic literature review of relevant national scientific publications from the past five years. The research stages include source search, literature selection based on topic suitability criteria, and thematic analysis of key findings. The study results indicate that digitalization is driving changes in competition patterns, distribution systems, and interaction mechanisms between businesses and consumers. On the other hand, small businesses still face obstacles such as low digital literacy, limited capital, inadequate technological infrastructure, and weak innovation capacity. Nevertheless, digital disruption also opens up opportunities for market expansion and increased business efficiency if supported by adaptive policies and ongoing technological assistance. These findings emphasize the importance of synergy between the government, educational institutions, and businesses in strengthening the competitiveness of small businesses amidst the digital market transformation
THE EFFECT OF THE USE OF MIND MAPPING ON STUDENTS' LEARNING INTERESTS IN SOCIAL STUDIES CLASS VII AT SMPN 6 KOTA SOLOK Yanda Zakiyah Putri; Desi Armi Eka Putri; Fera Zora
Algebra : Jurnal Pendidikan, Sosial dan Sains Vol. 5 No. 4 (2025): Algebra : Jurnal Pendidikan Sosial dan Sains
Publisher : Yayasan Amanah Nur Aman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58432/f138va03

Abstract

Students' interest in learning is very important in education, and mind mapping is an effective method of organizing information visually. This study aims to determine the positive and significant influence of the use of mind mapping on students' learning interest in social studies class VII at SMPN 6 Solok City. This type of research is quantitative with an associative approach, involving 64 students from grades VII.2 and VII.3 through total sampling techniques. Data were collected using questionnaires and analyzed by classical assumption tests, including normality, linearity, homocedasticity, and simple linear regression t-tests. The results of the study showed that the significant value of mind mapping was 0.000 < 0.05 and  6.532 while  1.669 was rejected, so it was  rejected and  accepted. This means that there is a positive and significant influence between the use of mind mapping on students' learning interests. About 40.8% of the variation in learning interests was explained by mind mapping, while 59.2% was influenced by other factors. The regression model was obtained with the formula: Y = 23.163(α) + 0.405(X), showing that an increase of 1 unit of mind mapping use increased students' learning interest by 0.405 points, assuming other factors were constant. Based on research, it can be concluded that the use of mind mapping has a positive influence on students' interest in learning. This method helps visualize information and increase participation. Students are advised to continue to develop skills in making mind mapping more interesting and easy to understand.
Pengaruh Media Sosial dan Teman Sebaya Terhadap Pembentukan Karakter Siswa Kelas VII di SMPN 6 Kota Solok Arifal Surya Caniago; Fajri Basyirun; Fera Zora
PESHUM : Jurnal Pendidikan, Sosial dan Humaniora Vol. 5 No. 2: Februari 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/peshum.v5i2.12916

Abstract

Karakter adalah ciri khas setiap individu yang mencakup sifat, kepribadian, watak dan perilaku. Pembentukan karakter siswa dipengaruhi oleh dua faktor utama, yaitu media sosial dan teman sebaya. Penelitian ini bertujuan untuk mengungkap seberapa besar pengaruh kedua faktor tersebut terhadap pembentukan karakter siswa kelas VII di SMPN 6 Kota Solok. Terdapat tiga tujuan utama dalam penelitian ini: pertama, untuk mengetahui pengaruh media sosial; kedua, untuk merangsang pengaruh teman sebaya; dan ketiga, untuk menilai pengaruh gabungan keduanya. Jenis penelitian ini adalah kuantitatif dengan pendekatan asosiatif. Populasi penelitian terdiri dari 159 siswa yang terbagi dalam kelas VII.1 hingga VII.5, sementara sampel yang diambil berjumlah 114 siswa melalui teknik random sampling. Data dikumpulkan menggunakan angket dan dianalisis dengan berbagai uji asumsi klasik, termasuk uji normalitas dan uji linearitas, serta uji hipotesis. Hasil penelitian menunjukkan bahwa variabel media sosial dan teman sebaya memiliki nilai signifikan yang menunjukkan pengaruh positif terhadap pembentukan karakter siswa. Dengan kontribusi keduanya mencapai 17,5%, penelitian ini menyimpulkan pentingnya media sosial dan teman sebaya dalam membentuk karakter siswa. Siswa diharapkan memanfaatkan media sosial secara positif dan memilih teman sebaya yang mendukung perkembangan karakter mereka.
Mengubah Nilai Merah Menjadi Aksi Nyata: Kekuatan Evaluasi Pembelajaran sebagai Mesin Peningkatan Diri Chikal Gidya Abriella; Refi Putri Juandrif; Voni Defri Endri; Mayang Sari; Toarinal Haq; Fera Zora
PESHUM : Jurnal Pendidikan, Sosial dan Humaniora Vol. 5 No. 3: April 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/peshum.v5i3.17270

Abstract

Artikel ini membahas pergeseran paradigma dalam memandang hasil evaluasi pembelajaran, khususnya yang sering dilabeli sebagai 'nilai merah' atau hasil yang kurang memuaskan. Secara tradisional, hasil rendah sering diasosiasikan dengan kegagalan dan penalti. Namun, penelitian ini berargumen bahwa evaluasi pembelajaran dalam bentuk apa pun memiliki kekuatan transformatif sebagai mesin peningkatan diri yang dinamis, asalkan dimanfaatkan melalui proses refleksi dan aksi yang terstruktur. Penelitian ini menggunakan pendekatan kualitatif-deskriptif untuk menganalisis bagaimana umpan balik (feedback) dari hasil evaluasi dapat dikonversi dari sekadar indikator performa menjadi peta jalan (roadmap) yang jelas untuk perbaikan. Konsep utamanya terletak pada pengembangan metakognisi dan kemampuan mengambil tindakan (agency) siswa. Nilai merah, dalam konteks ini, tidak dilihat sebagai akhir, melainkan sebagai data kritis yang menunjuk pada kesenjangan pemahaman spesifik. Hasil analisis menunjukkan bahwa ketika siswa diajari untuk: 1) secara aktif menganalisis nilai merah untuk mengidentifikasi akar masalah, 2) merumuskan strategi pembelajaran yang ditargetkan berdasarkan kelemahan yang teridentifikasi, dan 3) mengimplementasikan dan memantau strategi baru tersebut, nilai tersebut bertindak sebagai katalisator untuk perbaikan berkelanjutan.
MENANAMKAN BUDAYA LITERASI PADA ANAK DI LINGKUNGAN KELUARGA Mega Putri; Elan Halid; Rini Wirasty B.; Redo Andi Marta; Zona Rida Rahayu; Suci Dwinitia; Fera Zora
PUAN INDONESIA Vol. 7 No. 2 (2026): Jurnal Puan Indonesia Vol 7 No 2 januari 2026
Publisher : ASOSIASI IDEBAHASA KEPRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37296/jpi.v7i2.456

Abstract

Literacy is the ability of an individual to read, write, speak, and think critically. Literacy does not merely encompass the ability to read and write, but also includes understanding and utilizing information. Information obtained by an individual should not be accepted uncritically; rather, it must be analyzed in terms of its content and message. Cultivating this habit from an early age significantly influences a child’s development. In daily life, a culture of literacy is something that must be emphasized across all levels of society, including within the family environment. It is crucial to instill this literacy culture from childhood so that individuals grow into adults capable of critically analyzing every piece of information they receive. Jorong Lurah Nan Tigo is a region located in the Kenagarian Salayo, Solok Regency. This community actively engages women through the PKK Lurah Nan Tigo group. The women in this area come from diverse social and family backgrounds, ranging from housewives to working mothers. With such diversity, parenting patterns also vary, which in turn influences the way literacy culture is applied within families. Therefore, it is important to provide understanding to the women of the PKK Lurah Nan Tigo so that the surrounding community recognizes the significance of literacy culture and its application, beginning within the family, particularly by mothers. Mothers play a pivotal role in the family as motivators who can enhance the abilities and skills of their children.
PEMBERDAYAAN MASYARAKAT MELALUI KELOMPOK USAHA TANI KOPI NAGARI KOTO HILALANG Fera Zora; Helvita Roza; Arfimasri Arfimasri; Intan Putri Delima; Adinda Putri Ellia
PUAN INDONESIA Vol. 8 No. 1 (2026): Jurnal PUAN Indonesia Vol. 8 No. 1 Juli 2026
Publisher : ASOSIASI IDEBAHASA KEPRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37296/jpi.v8i1.513

Abstract

This community service program aims to improve the institutional capacity and business management capabilities of the Nagari Koto Hilalang Coffee Farmers Group. The program was implemented in several stages: outreach to partners and stakeholders on May 18, 2025, business management and financial literacy training on May 23, 2025, and post-harvest coffee processing training on June 6, 2025. Methods used included lectures, discussions, demonstrations, and hands-on practice. The business management training materials covered business planning, organization, simple financial record keeping, and group institutional restructuring. The results of the program demonstrated an increase in group members' understanding of business governance, financial record keeping, and post-harvest coffee handling techniques, which is expected to improve the quality and economic value of the coffee produced. This activity also strengthened the synergy between the farmer group and stakeholders in supporting sustainable coffee business development. Keywords: Community Empowerment, Coffee, Post-Harvest, Farmer Group, Business Management.
TIPS DAN TRIK SUKSES TES KEMAMPUAN AKADEMIK BAGI SISWA KELAS XII SMK NEGERI 3 SOLOK Fera Zora; Fajri Basyirun; Ikhwan Ikhwan; Desi Armi Eka Putri; Hendro Masril Saputra
PUAN INDONESIA Vol. 8 No. 1 (2026): Jurnal PUAN Indonesia Vol. 8 No. 1 Juli 2026
Publisher : ASOSIASI IDEBAHASA KEPRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37296/jpi.v8i1.559

Abstract

This community service activity aimed to improve students' understanding and readiness in facing the Academic Competency Test (TKA). The activity was conducted at SMK Negeri 3 Solok involving 154 students of grade XII from Hospitality, Culinary, and Fashion Design departments. The methods used consisted of interactive lectures, question analysis sessions, and simulations. The results showed that students' understanding of TKA characteristics and problem-solving strategies improved. Approximately 90% of participants stated that the simulation helped them understand the types of questions better, while 100% of students considered the explanation of tips and strategies easy to understand. The activity also increased students' confidence and time management skills in answering TKA questions. Therefore, continuous assistance is needed to strengthen students' readiness in facing higher education entrance examinations.
Co-Authors Adinda Putri Ellia Al Awali Hidayah Amanda Aulia Pratama Arfimasri Arfimasri Arifal Surya Caniago Chikal Gidya Abriella Desi Armi Eka Putri Ela Rahma Yani Fajri Basyirun Halid, Elan Hendro Masril Saputra Ichsan Anta Ridho Ikhwan Ikhwan intan putri delima Mayang Sari Mega Putri Muhammad Syahril Nabila Syafira Redo Andi Marta, Redo Andi Refi Putri Juandrif Rini Wirasty B. Roza, Helvita Suci Dwinitia Toarinal Haq Voni Defri Endri Wesi Oktavianti Yanda Zakiyah Putri Zahara Mahdalena Zona Rida Rahayu