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Jurnal Pendidikan Ekonomi (JURKAMI)
Published by STKIP Persada Khatulistiwa Sintang
ISSN : 26571528     EISSN : 25410938     DOI : 10.31932
Core Subject : Economy, Education, Social,
Economics, Econometrics & Finance Education Social Sciences
JURKAMI: Jurnal Pendidikan Ekonomi adalah jurnal yang menerima kontribusi tulisan/artikel yang berkaitan dengan studi-studi kependidikan, pengajaran dan evaluasi belajar di bidang pendidikan ekonomi dan kajian ilmu ekonomi lainnya, baik laporan penelitian, maupun tinjauan buku yang belum pernah diterbitkan di media cetak ataupun elektronik
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Articles 27 Documents
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Search results for , issue "Vol 10, No 2 (2025): JURKAMI" : 27 Documents clear
PENGARUH PERSEPSI MANFAAT, PERSEPSI KEMUDAHAN DAN PERSEPSI RISIKO TERHADAP MINAT MENGGUNAKAN UANG ELEKTRONIK (QRIS) SEBAGAI METODE PEMBAYARAN Gultom, Yossy Juliana Juliana; Gusnardi, Gusnardi; Sari, Filma Alia
Jurnal Pendidikan Ekonomi (JURKAMI) Vol 10, No 2 (2025): JURKAMI
Publisher : STKIP Persada Khatulistiwa Sintang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31932/jpe.v10i2.4919

Abstract

This research is motivated by the existence of various problems when using cash for payment transactions in everyday life. Starting when the corona virus attacked during the pandemic among the Indonesian people. And the government's policy is to introduce one of the innovations of digital payment QRIS. The sampling procedure used in this study used Probability Sampling (Proportionate Stratified Random Sampling with a total of 364 respondents from FKIP Universitas Riau. Data collection was carried out by distributing questionnaires via google form. This study aims to determine the Influence of Perceived Benefits, Perceived Convenience and Perceived Risk on Interest in Using Electronic Money (QRIS) as a Payment Method. Based on the results of the study, perceived benefits, perceived convenience and perceived risk have a simultaneous and partial effect on interest in using QRIS. If students feel the benefits, convenience and feel the minimal risk received when using QRIS services, it will encourage them to use QRIS services more strongly.
ANALISIS LITERASI KEUANGAN SYARIAH PADA PELAKU UMKM GENERASI MILENIAL DI KOTA PACITAN Haryanto, Alif; Anantyasari, Malta
Jurnal Pendidikan Ekonomi (JURKAMI) Vol 10, No 2 (2025): JURKAMI
Publisher : STKIP Persada Khatulistiwa Sintang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31932/jpe.v10i2.4645

Abstract

The low level of Islamic financial literacy among millennial MSME actors has become an issue that may hinder optimal business management in accordance with Sharia principles. This study aims to analyze the level of Islamic financial literacy among millennial-generation MSME actors in Pacitan City. The research employs a descriptive quantitative approach using a survey method, in which data were collected through questionnaires distributed to respondents who are millennial MSME owners. Islamic financial literacy is measured based on four indicators: knowledge of financial management, credit management, savings and investment management, and risk management. The findings reveal that, in general, the Islamic financial literacy level of MSME actors falls into the less literate category. The credit management indicator recorded the lowest score and is classified as not literate, while the indicators of financial management knowledge, savings and investment management, and risk management are categorized as less literate. These results indicate the urgent need for interventions in the form of education, training, and assistance to improve the understanding and skills of MSME actors in managing finances in accordance with Islamic principles.
KINERJA UMKM DI KOTA PALANGKA RAYA: TINJAUAN KEUANGAN, PENJUALAN, DAN STRATEGI PEMASARAN Giovanni, Jonathan; Subianto, Pratiwi; Mahar, Alicia Christina; Apriananda, Fricella
Jurnal Pendidikan Ekonomi (JURKAMI) Vol 10, No 2 (2025): JURKAMI
Publisher : STKIP Persada Khatulistiwa Sintang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31932/jpe.v10i2.4092

Abstract

Micro, Small, and Medium Enterprises (MSMEs) in Palangka Raya City face significant challenges in enhancing competitiveness and operational efficiency, despite the continuous growth in the number of business units. One of the main issues lies in the lack of data-driven development strategies and the limited integration of information among MSME actors. This study applies a descriptive quantitative approach using the K-Means Clustering method to classify 100 MSME units based on three key aspects: financial performance, product sales, and marketing strategies. Data were collected via online questionnaires from August to October 2024. The analysis was conducted using the KNIME software to visualize and manage data effectively. The findings reveal homogeneous MSME clusters, with groups demonstrating high financial efficiency and a combination of online and offline marketing strategies showing the best performance. This study recommends that local governments develop more targeted and evidence-based strategies for MSME development. The main limitation of this research is the sample's scope, which may not fully represent the diversity of MSMEs in Palangka Raya. Future studies are encouraged to expand the geographical coverage and apply mixed-method approaches.
PENGEMBANGAN MULTIMEDIA INTERAKTIF MAKASI BERBASIS ANDROID DENGAN ADOBE ANIMATE PADA MATA PELAJARAN AKUNTANSI DASAR Habibah, Vriska Nur; Pratiwi, Vivi
Jurnal Pendidikan Ekonomi (JURKAMI) Vol 10, No 2 (2025): JURKAMI
Publisher : STKIP Persada Khatulistiwa Sintang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31932/jpe.v10i2.5026

Abstract

In the era of Society 5.0, education has undergone significant changes in learning methods in line with technological advancements and the demands of 21st-century skills, where technology plays a crucial role in producing high-quality graduates. This study aims to develop and assess the feasibility of an Android-based interactive multimedia using Adobe Animate for the subject of Basic Accounting. The resulting interactive multimedia is named MAKASI (Let’s Learn Professional Ethics in Accounting). The product development follows the ADDIE model, which consists of five stages. The research test subjects were students of class X AKL. The results showed that the developed interactive multimedia received a feasibility percentage of 92.10% from material experts and 96.84% from media experts. Student responses to the media use scored 96.75%, indicating a very feasible category. Thus, it can be concluded that the interactive learning media is highly suitable for use. Moreover, this media highlights the topic of professional ethics, which has not been widely addressed in previous media development research.
PENERAPAN MODEL KOOPERATIF TIPE STAD UNTUK MENINGKATKAN ENTREPRENEURIAL MINDSET SISWA DI SMK DARUL ULUM AS SURUR KELAS X Hadi, Syukron; Prasetiyorini, Pudhak; Gerhani, Febrina
Jurnal Pendidikan Ekonomi (JURKAMI) Vol 10, No 2 (2025): JURKAMI
Publisher : STKIP Persada Khatulistiwa Sintang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31932/jpe.v10i2.4795

Abstract

Strengthening the entrepreneurial mindset at the Vocational High School (SMK) level is a strategic urgency in preparing adaptive, creative, and independent graduates amidst the dynamics of the world of work and entrepreneurship. One of the relevant learning approaches to develop students' entrepreneurial mindset is the Student Teams Achievement Division (STAD) cooperative learning model, because it is able to stimulate cooperation, communication, and individual responsibility in groups. This study aims to analyze the application of the STAD model in improving the entrepreneurial mindset of class X students at SMK Darul Ulum AS Surur, identify changes in student attitudes in the aspects of creativity, innovation, and independence, and evaluate the effectiveness of the model in improving students' cooperation and communication skills in the context of entrepreneurship. This study uses a quantitative method with a quasi-experimental approach. The research subjects were 30 class X students selected through purposive sampling techniques. The data collection instrument used was a validated entrepreneurial mindset questionnaire supported by documentation and observation. The results of the study showed that the application of the STAD cooperative learning model had a significant effect on improving students' entrepreneurial mindset. Based on the results of the paired sample t-test, a significance value of 0.001 <0.05 was obtained, so H0 was rejected and H1 was accepted. This means that there is a significant difference between the pre-test and post-test results of students' entrepreneurial mindset after the STAD type cooperative learning model was applied.
ANALISIS KEPUTUSAN NASABAH MENGGUNAKAN MANDIRI AGEN DI DESA NANGA DEDAI KECAMATAN DEDAI KABUPATEN SINTANG Yasri, Fadhila; Marganingsih, Anna; Astikawati, Yunita
Jurnal Pendidikan Ekonomi (JURKAMI) Vol 10, No 2 (2025): JURKAMI
Publisher : STKIP Persada Khatulistiwa Sintang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31932/jpe.v10i2.4473

Abstract

Banking Agents to provide banking services that are difficult to reach by people in rural areas which causes customers to spend high costs to reach these services. The purpose of this study was to analyze the factors that influence customer decisions in using Mandiri Agent services in Nanga Dedai Village, Dedai District, Sintang Regency. Mandiri Agent services make it easy for people who live in remote areas to access banking services without having to go to a branch office. This research uses a qualitative approach. Data collection techniques using interviews. The results explain that customer decisions are influenced by several main factors, namely ease of access, trust in services, and the level of customer understanding of the products offered. Social and economic factors, such as lower transaction costs and strategic agent locations, also play an important role in customers' decisions to use Mandiri Agen. Based on these findings, it can be concluded that the Mandiri Agen service is very helpful to the community in Nanga Dedai Village in fulfilling their banking needs, and an increase in understanding and service quality will further increase customer interest in using this service.
ANALISIS DAMPAK PENGGUNAAN S-PAY LATER TERHADAP PERILAKU KEUANGAN MAHASISWA DI ERA EKONOMI DIGITAL Sitorus, Onny Fitriana; Haryati, Eka
Jurnal Pendidikan Ekonomi (JURKAMI) Vol 10, No 2 (2025): JURKAMI
Publisher : STKIP Persada Khatulistiwa Sintang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31932/jpe.v10i2.4946

Abstract

Digital developments have a major impact on various sectors, one of which is the economy. The digital economy era provides innovation in payment methods on various business platforms, namely using the S-Pay Later method, one of the most popular choices among the younger generation. The research method used in this study is descriptive quantitative by distributing questionnaires to collect data from students living in the UHAMKA dormitory. Based on the results of the analysis, it shows that the use of S-Pay Later can affect students' financial behavior, both in terms of spending, savings, and money management. Students who use S-Pay Later said that they find it easier to make payments, but they also tend to make more impulsive purchases and have difficulty managing their finances. The purpose of this study is to educated on the importance of financial management for students in increasing awareness and the impact of using digital payment services. This study is intended to provide insight to educational institutions to design programs that support students in managing their finances wisely.

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