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PENGARUH LITERASI KEUANGAN, GAYA HIDUP DAN PENDAPATAN TERHADAP KEMAMPUAN PENGELOLAAN KEUANGAN PRIBADI SISWA/I SMA NEGERI 87 JAKARTA SELATAN
Get PDFThis study aims to analyze the effect of financial literacy, lifestyle, and income on personal financial management among students of SMA Negeri 87 Jakarta Selatan. The problem addressed is how these factors influence Generation Z’s financial behavior in managing pocket money. The research applied a quantitative approach using multiple linear regression with 88 respondents. Partial tests show that financial literacy has a significant effect (β = 0.257; t = 3.431; Sig = 0.001), lifestyle has a significant effect (β = 0.599; t = 10.152; Sig = 0.000), and income also has a significant effect (β = 0.027; t = 3.677; Sig = 0.000). The simultaneous test obtained F = 71.248 with Sig F = 0.000 and Adjusted R² = 0.708, indicating that the three variables explain 70.8% of personal financial management variation. These findings highlight the importance of financial literacy and lifestyle control in shaping healthy financial habits.
Keywords : Financial Literacy, Lifestyle, Consumer Behavior, Financial Management, Generation Z.
Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, gaya hidup, dan pendapatan terhadap kemampuan pengelolaan keuangan pribadi siswa SMA Negeri 87 Jakarta Selatan. Permasalahan yang diangkat adalah bagaimana faktor-faktor tersebut memengaruhi perilaku finansial generasi Z dalam mengelola uang saku. Metode penelitian menggunakan pendekatan kuantitatif dengan regresi linear berganda pada 88 responden. Hasil uji parsial menunjukkan literasi keuangan berpengaruh signifikan (β = 0,257; t = 3,431; Sig = 0,001), gaya hidup berpengaruh signifikan (β = 0,599; t = 10,152; Sig = 0,000), dan pendapatan juga berpengaruh signifikan (β = 0,027; t = 3,677; Sig = 0,000). Uji simultan menghasilkan F = 71,248 dengan Sig F = 0,000 serta Adjusted R² = 0,708, yang berarti ketiga variabel menjelaskan 70,8% variasi pengelolaan keuangan pribadi. Temuan ini menegaskan pentingnya literasi keuangan dan pengendalian gaya hidup dalam membentuk kebiasaan finansial yang sehat.
Kata Kunci : Literasi Keuangan, Gaya Hidup, Perilaku Konsumtif, Pengelolaan Keuangan, Generasi Z
Pelatihan Perawatan Neonatus Resiko Tinggi Asfiksia Dan Bayi Berat Lahir Rendah di Kabupaten Sampang
Get PDFAngka kematian bayi merupakan salah satu indicator dalam menentukan derajat kesehatan anak. Data pemerintah menunjukan bahwa penyebab kematian bayi baru lahir di Indonesia, salah satunya asfiksia yaitu sebesar 27% yang merupakan penyebab ke-2 kematian bayi baru lahir setelah Bayi Berat Lahir Rendah (BBLR) (Kemenkes RI, 2015). Salah satu upaya pencegahan terjadinya dampak lanjutan dari kasus Asfiksia dan BBLR adalah pemberian pelatihan tentang tatalaksana bayi dengan Asfiksia dan BBLR bagi tenaga bidan. Metode pelatihan dilakukan secara blended learning, online dilaksanakan pada tanggal 16 – 17 Oktober 2023 sedangkan offline pada tanggal 10 – 11 November 2023 di RSUD M.Zyn Sampang. Dari hasi Hasil analisis statistic dengan uji Paired t-test menunjukkan adanya perbedaan yang signifikan antara nilai pre-test dan post-test (p<0,05). Meningkatnya nilai rata-rata ujian dari pre-test ke post-test menunjukkan keberhasilan pelaksanaan pelatihan. Pelatihan secara efektif dapat meningkatkan nilai rata – rata pengetahuan dan keterampilan peserta terhadap penatalaksanaan bayi dengan asfiksia dan BBLR
ANALISIS POTENSI PELANGGARAN HAM PADA KASUS PENYELUNDUPAN NARKOBA DALAM PESPEKTIF POLITIK HUKUM
Get PDFLaw enforcement in drug smuggling cases in Indonesia often faces serious challenges that have the potential to violate human rights (HR). These violations may occur at various stages of the legal process, including arrest, investigation, and sentencing, particularly against vulnerable suspects. In this context, legal political policies are a key element in ensuring that law enforcement aligns with HR principles. However, concerns remain regarding the extent to which these policies integrate HR protections while facing implementation challenges such as lack of oversight, limited awareness among law enforcement officers about HR values, and political and social pressures. This study aims to analyze the potential HR violations in handling drug smuggling cases, evaluate the existing legal political policies, and identify the obstacles and relevant solutions to enhance HR protection. This research employs a normative juridical method by analyzing legislation, policy documents, and case studies. The findings reveal that potential HR violations in drug smuggling cases often involve actions such as torture, arbitrary detention, and limited access to legal assistance. Indonesia's legal political policies indicate the existence of regulations incorporating HR principles, yet their implementation remains suboptimal due to weak oversight and gaps in law enforcement practices. Key obstacles include limited capacity of law enforcement officers, budget constraints, and social stigma against drug offenders. To address these issues, it is necessary to improve training for law enforcement officers, strengthen oversight mechanisms, and revise policies to ensure comprehensive integration of HR protections into the legal process
SERVICE QUALITY AND CONSUMER PROTECTION EFFECT ON LOYALTY: TRUST AS INTERVENING VARIABLE
Get PDFThe database of PT.PNM Aceh, especially UlaMM has shown that in the period January - PT. PNM's investigation on the relationship between customer loyalty, trust, consumer protection, and service quality produced a number of key discoveries. The findings indicate that customer trust is greatly increased by service quality, and that consumer protection is also a key factor in building customer trust. In particular, it was shown that trust significantly improved consumer loyalty. However, this study also highlights that service quality does not have a direct impact on customer loyalty, and trust is not effective as a mediating variable in this context. These findings suggest that while consumer protection greatly influences customer loyalty, the mechanisms for building loyalty in the banking sector are complex and require further exploration. This study emphasizes the importance of effective consumer protection measures and high service quality in fostering customer trust and loyalty
HUMAN RESOURCE ACCOUNTING PRACTICES IN NEPALESE COMMERCIAL BANKS
Get PDFThis research aims to examine Human Resource Accounting Practices in Nepalese Commercial Banks. A descriptive design is utilized for this study. Human Resource Accounting Disclosure Index (HRADI) is applied, focusing on five main indicators: the nature of Human Resource Accounting (HRA), valuation of HRA, financial statements regarding HRA, auditing practices for HRA, and enhancement programs for HRA practices, as well as using the Lev and Schwartz Model to draw conclusions. The analysis considered all 20 commercial banks operating in Nepal as the population sample. To achieve the objectives of this research, both primary and secondary data are gathered. Primary data was collected through judgmental sampling, where selected respondents completed questionnaires, while secondary data was sourced from the annual reports of the banks. Among the 20 banks, only Standard Chartered Bank Nepal Limited (SCBNL) and Nabil Bank Limited (NBL) were included in the sample. Authorized human resource officers from these banks participated in the study. The analysis of the data utilized HRADI and the Lev and Schwartz model. Results indicated that HRADI for SCBNL and NBL were 69.23% and 76.92%, respectively, suggesting that human resource accounting practices at both banks have not reached satisfactory standards. Both institutions follow the Nepal Financial Reporting Standard, classifying human resource expenses under Personnel Expenses and Deferred Employee Expenditure, yet neither has established a true valuation for their human resources
Evaluasi Perencanaan Saluran Drainase Jalan Sepakat Kecamatan Payung Sekaki Kota Pekanbaru
Get PDFSepakat Street, Payung Sekaki District, had puddles on the road surface even though it already has drainage channels on the right and left of the drain with a depth of 0.4 m and a width of 0.6 m. The purpose of this research is to evaluate the planning to improve the condition of the existing drainage channels so that they can drain water. The method used is the Gumbel distribution method to calculate the frequency of rainfall, SNI 03-3424-1994 to calculate rainfall intensity, and the Manning method to calculate flow velocity. Then the results of evaluation calculations on the drainage channel on the road agreed, Payung Sekaki sub-district, Pekanbaru City with dimensions of 0.6 meters wide and 0.4 meters high, obtained that the discharge of the existing channel that can accommodate water on the right is 0.0621 m³/s, and on the left is 0.071 m³/sec, and the total discharge from the discharge and rainfall on the right is 1.20401 m³/sec, and the left is 1.20411 m³/sec. Payung Sekaki, Pekanbaru City, the cause is that the drainage cannot accommodate the existing water discharge so there is a puddle on the road in the Sekaki Payakumbuh sub-district, Pekanbaru City, and after being re-planned according to the existing discharge, the dimensions have been planned for the right and left channels with a width of 0.6 meters and depth of 1.05 meters.Jalan Sepakat Kecamatan Payung Sekaki terdapat genangan pada permukaan jalan walaupun sudah memiliki saluran drainase di bagian kanan dan kiri drainase dengan kedalaman 0.4 m dan lebar 0.6 m. Tujuan penelitian ini untuk melakukan evaluasi perencanaan guna memperbaiki kondisi saluran drainase yang ada sehingga dapat mengalirkan air. Metode yang digunakan ialah metode Distribusi Gumbel untuk menghitung frekuensi curah hujan, SNI 03-3424-1994 untuk menghitung intensitas curah hujan, dan metode manning untuk menghitung kecepatan aliran. Maka hasil perhitungan evaluasi pada saluran drainase di Jalan Sepakat Kecamatan Payung Sekaki kota Pekanbaru dengan dimensi lebar 0.6 meter, dan tinggi 0.4 meter, diperoleh debit saluran eksisting yang dapat menampung air sebelah kanan 0.0621 m³/det, dan sebelah kiri 0.071 m³/det, dan debit total dari buangan dan curah hujan sebelah kanan 1.20401 m³/det, dan kiri 1.20411 m³/det. Dengan hasil demikian debit yang dihasilkan sekarang lebih besar dari perencanaan yang ada maka genangan air pada jalan sepakat Kecamatan Payung Sekaki Kota Pekanbaru penyebabnya ialah drainase tidak dapat menampung debit air yang ada sehingga terjadinya genangan di jalan sepakat kecamatan Payung Sekaki kota Pekanbaru dan setelah di rencanakan ulang sesuai debit yang ada dimensi yang telah direncanakan untuk saluran sebelah kanan dan kiri lebar 0.6 meter dan kedalaman 1.05 meter
Analisis Kerapuhan Seismik Struktur Gedung Tak Beraturan dengan Analisis Pushover
Get PDFStructural damage often occurs in buildings due to earthquake loads. Irregular buildings have a greater risk of damage due to earthquakes than regular buildings. Because the probability of an earthquake occurring in a structure cannot be predicted, an analysis is needed that can describe the vulnerability or fragility due to earthquakes. The purpose of this study was to determine the performance of irregular buildings and the probability of building damage based on seismic fragility. The method used to compile the seismic fragility curve is HAZUS, while the structural performance is obtained from the pushover analysis. Hazus is a method for estimating losses due to disasters, while the pushover analysis is in the form of a push-load application on the structure. Based on the results of the analysis, the structural performance point was obtained with a base shear force and displacement in the x direction of 4194.424 kN and 0.145 m, while in the y direction it was 4187.2016 kN and 0.152 m. The performance level of the building structure based on the analysis results is stated in the Damage Control (DC) condition according to ATC-40 and Life Safety (LS) according to FEMA 440. Based on the fragility curve, the probability of ultimate damage and yield conditions in moderate criteria and the probability of damage in the x and y directions of the building is 100%. The results of this study provide important information about the condition of irregular building structures during an earthquake so that it can be used for structural evaluation and mitigation during an earthquake.Kerusakan struktur sering terjadi pada gedung akibat beban gempa. Bangunan gedung tak beraturan memiliki resiko kerusakan lebih besar akibat gempa dibandingkan gedung beraturan. Karena probabilitas kejadian gempa pada struktur tidak dapat diprediksi, maka diperlukan analisis yang dapat menggambarkan kerawanan atau kerapuhan akibat gempa. Tujuan penelitian ini untuk mengetahui kinerja gedung tak beraturan dan probabilitas kerusakan gedung berdasarkan kerapuhan seismik. Metode yang digunakan untuk menyusun kurva kerapuhan seismik berupa HAZUS, sedangkan performa struktur didapatkan dari Analisis Pushover. Hazus merupakan metode perkiraan kerugian akibat bencana, sedangkan Analisis Pushover berupa aplikasi beban dorong pada struktur. Berdasarkan hasil analisis, didapatkan titik kinerja struktur dengan gaya geser dasar dan perpindahan pada arah x sebesar 4194.424 kN dan 0.145 m, sedangkan pada arah y sebesar 4187.2016 kN dan 0.152 m. Tingkat kinerja dari struktur gedung berdasarkan hasil analisis dinyatakan dalam kondisi Damage Control (DC) menurut ATC-40 dan Life Safety (LS) menurut FEMA 440. Berdasarkan kurva kerapuhan, probabilitas kerusakan kondisi leleh dalam kriteria sedang (moderate) dengan probabilitas kerusakan pada arah x dan y bangunan sebesar 100%. Hasil penelitian ini memberikan informasi penting tentang kondisi struktur gedung tak beraturan saat terjadi gempa, sehingga dapat digunakan untuk evaluasi struktur dan mitigasi pada saat gempa
Analisis Peta Kekeringan Lahan Pertanian Di Kabupaten Lamongan Menggunakan NDDI (Normalized Difference Drought Index)
Get PDFAgricultural land is a natural resource that plays an important role in the continuity of human life. Lamongan is one of the regencies with vast agricultural land, around 80% of the Lamongan Regency area is agricultural land consisting of rice fields and non-rice fields. However, every year Lamongan is hit by drought in several regions. Drought in Lamongan occurs on average around June - October. Several sub-districts in Lamongan are hit by drought, one of the causes of which is low rainfall during the dry season. This study used rainfall data and Landsat 8 satellite imagery with a time span of August - October 2019 - 2023. Landsat 8 imagery was adjusted to the months used, and image processing to obtain drought results in Lamongan Regency using the NDDI (Normalized Difference Drought Index). From the processing, the results obtained in October 2023 were that the area hit by severe drought was Sarirejo District with an area value of 32,490,000 m2 from the total area of Sarirejo District of 47,380,000 m2. Around 68.57% of the Sarirejo District area was hit by severe drought. This study aims to determine the area affected by drought in the Lamongan area. So it can be used for mitigation in future drought disasters.Lahan pertanian merupakan sumber daya alam yang berperan penting bagi kelangsungan kehidupan manusia. Lamongan termasuk salah satu kabupaten dengan lahan pertanian yang sangat luas, sekitar 80% wilayah Kabupaten Lamongan adalah lahan pertanian yang terdiri dari lahan pertanian sawah dan bukan sawah. Namun, setiap tahun Lamongan dilanda bencana kekeringan di beberapa daerahnya. Kekeringan di Lamongan rata-rata terjadi sekitar pada bulan Juni - Oktober. Pada beberapa kecamatan di Lamongan dilanda kekeringan yang salah satu penyebabnya adalah curah hujan yang rendah pada musim kemarau. Pada penelitian ini menggunakan data curah hujan dan citra satelit Landsat 8 dengan rentang waktu Agustus - Oktober pada tahun 2019 - 2023. Pengambilan citra Landsat 8 disesuaikan dengan bulan yang digunakan, serta pengolahan citra untuk mendapatkan hasil kekeringan di Kabupaten Lamongan menggunakan indeks kekeringan NDDI (Normalized Difference Drought Index). Dari pengolahan tersebut, didapatkan hasil pada Oktober 2023 wilayah yang dilanda kekeringan sangat berat adalah Kecamatan Sarirejo dengan nilai luas sebesar 32,490,000 m2 dari seluruh luas Kecamatan Sarirejo 47,380,000 m2. Sekitar 68.57% wilayah Kecamatan Sarirejo dilanda bencana kekeringan berat. Penelitian ini bertujuan untuk mengetahui luas wilayah yang dilanda kekeringan di wilayah Lamongan. Sehingga dapat digunakan untuk mitigasi pada bencana kekeringan yang akan datang
INVENTARISASI SERANGGA SISTEM FEROMON TRAP & YELLOW TRAP TERHADAP BUDIDAYA TANAMAN
Get PDFBiodiversitas atau keanekaragaman hayati dapat disebut sebagai suatu system penting pada kehidupan makhluk hidup. Banyaknya jumlah keanekaragaman hayati meliputi berbagai makhluk hidup yang berada di dunia ini, yang beruhubungan antara individu dengan yang lainnya. Serangan serangga parasitisme yang merugikan petani mengakibatkan berkurangnya hasil panen merupakan sebuah landasan dari penelitian ini untuk menginventarisasi serangga yang merupakan parasit dan menguntungkan pada ekosistem budidaya tanaman palawija sehingga petani bisa mengaplikasikan pestisida yang tepat untuk memperoleh hasil panen yang maksimal. Penelitian ini melalui metode berupa identifikasi dari serangga yang di awali dengan melakukan inventarisasi yang paling merusak di tanaman palawija, penelitian ini menggunakan traping yellow yang diletakkan pada lahan persawahan. Pemberian senyawa feromon mengakibatkan serangga jenis kelamin betina akan banyak terperangkap. Identifikasi jenis dan spesies serangga dilakukan dengan tujuan untuk mendapatkan informasi yang sesuai untuk aplikasi biopestisida yang tepat sasaran. Didapatkan hasil observasi jenis serangga sebanyak 166 Kelimpahan individu serangga terbesar adalah ordo diptera berdasarkan perangkap yang digunakan, jumlah yang berada di Yellow Trap berjumlah 30 dan yang berada di feromon trap berjumlah 136 dari dasar tersebut penentuan pestisida yang ramah lingkungan dapat dilakukan pengaplikasian rekomendasi jenis cendawan Beauverina bassian
Attitude Of Medical Personnel On The Implementation Of EMR (Electronic Medical Record) In Dental & Oral Hospital of Bhakti Wiyata Health Sciences Institute (RSGM IIK Bhakta) Kediri
Get PDFThis study explores the implementation of Electronic Medical Records (EMR) at RSGM IIK Bhakti Wiyata Kediri, focusing on medical personnel’s attitudes and the factors influencing adoption, such as knowledge, training, and support. Qualitative research was conducted through structured interviews with four informants (two dentists and two dental nurses) who had experience using the EMR system based on the Health Information Technology System (HINTS) application. The findings indicate that EMR has improved healthcare efficiency by enhancing patient data access and supporting better coordination among medical personnel. However, challenges such as slow internet connections, unstable servers, and occasional system errors hinder its full potential. Resistance to EMR adoption, primarily due to inadequate training, was also noted. Although most medical personnel expressed positive attitudes towards EMR, concerns regarding data security, including potential breaches and input errors, were significant. The study recommends addressing these issues by enhancing network infrastructure, improving server reliability, and providing more comprehensive training and technical support. Additionally, periodic system evaluations are suggested to ensure its effectiveness. These improvements are essential for increasing user confidence and optimizing EMR’s contribution to healthcare quality at RSGM IIK Bhakti Wiyata Kediri, supporting the broader digital transformation of healthcare in Indonesia