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Pemahaman atas Persepsi Risiko Penggunaan E-Wallet di Kalangan Gen Z Kota Semarang
Get PDFThe advancement of financial technology has significantly boosted the use of e-wallets, particularly among Generation Z. While digital transactions offer convenience, they also entail various risks that may influence user behaviour. These risks include performance risk (system failures), financial risk (potential monetary loss), physical risk (device security threats), social risk (peer pressure or societal influence), and psychological risk (anxiety or discomfort in usage). This study aims to examine the impact of perceived understanding of these risk factors—performance, financial, physical, social, and psychological—on e-wallet usage. The research targets Generation Z residents of Semarang City, with a sample of 400 respondents selected through purposive sampling based on the Lemeshow formula. Data analysis was conducted using multiple regression analysis facilitated by IBM SPSS version 26.0. Findings reveal that the understanding of performance, financial, physical, and psychological risks significantly and positively influences e-wallet usage. Conversely, understanding social risk does not show a significant effect. These results offer valuable insights for e-wallet service providers on enhancing security measures, user education, and marketing strategies to increase adoption among Generation Z.
Keywords: Risk Perception, E-wallet Usage, Generation Z, Semarang City
Abstrak
Perkembangan teknologi keuangan mendorong meningkatnya penggunaan e-wallet, terutama di kalangan Generasi Z. Kemudahan transaksi digital diiringi dengan berbagai risiko yang dapat memengaruhi keputusan pengguna seperti, risiko kinerja berkaitan dengan kegagalan sistem, risiko keuangan mencakup potensi kerugian finansial, risiko fisik melibatkan ancaman keamanan perangkat, risiko sosial berhubungan dengan tekanan sosial, dan risiko psikologis mencakup kecemasan atau ketidaknyamanan dalam penggunaannya. Tujuan penelitian ini adalah untuk mengetahui pengaruh variabel pemahaman atas risiko kinerja, pemahaman atas risiko keuangan, pemahaman atas risiko fisik, pemahaman atas risiko sosial, dan pemahaman atas risiko psikologis terhadap pengoperasian e-wallet. Populasi dalam penelitian ini adalah Gen Z Kota Semarang. Pemilihan sampel dilakukan menggunakan teknik non-probability sampling dengan metode purposive sampling, mengacu pada rumus Lemeshow, sehingga jumlah sampel dalam penelitian ini mencapai 400 individu dari Generasi Z di Kota Semarang yang merupakan pengguna aplikasi e-wallet. Penelitian ini menerapkan analisis data menggunakan metode regresi berganda dengan bantuan perangkat lunak IBM SPSS versi 26.0. Hasil studi ini menunjukkan yaitu pemahaman atas risiko kinerja, pemahaman atas risiko keuangan, pemahaman atas risiko fisik, dan pemahaman atas risiko psikologis berkontribusi secara signifikan dan positif terhadap penggunaan e-wallet. Sedangkan pemahaman atas risiko sosial tidak terdapat pengaruh signifikan. Implikasi dari temuan ini dapat menjadi dasar bagi penyedia layanan dalam meningkatkan keamanan, edukasi pengguna, serta strategi pemasaran yang lebih efektif guna meningkatkan adopsi e-wallet di kelompok Gen Z.
Kata kunci: Persepsi Risiko, Penggunaan E-wallet, Gen Z, Kota Semaran
MENINGKATKAN MOTIVASI BELAJAR DAN BERPIKIR KRITIS MAHASISWA UNU PURWOKERTO MATERI PARAGRAF (PEMBELAJARAN BERBASIS MASALAH)
Get PDFTujuan penelitian untuk meningkatkan motivasi belajar dan kemampuan berpikir kritis mahasaiswa terhadap materi paragraf dengan menggunakan pembelajaran berbasis masalah. Penelitian ini penting dilaksanakan karena banyak ditemukan mahasiswa masih rendah dalam semangat dan motivasi untuk belajar, hal ini dibuktikan dengan terlambatnya mengumpulkan tugas dan kurang aktifnya diskusi di kelas. Permasalahan penelitian ini adalah bagaimana meningkatkan motivasi belajar dan kemampuan mahasiswa UNU Purwokerto dalam berpikir kritis materi paragraf melalui pembelajaran berbasis masalah. Penelitian ini menggunakan penelitian tindakan kelas dengan menitikberatkan pada pembelajaran berbasis masalah. Penelitian Tindakan Kelas dengan model KEmmis dan McTaggart yang terdiri dari dua siklus. Penelitian dilakukan selama dua siklus dengan masing-masing siklus dua kali pertemuan. Hasil pretest pada siklus 1 masih di bawah batas tuntas yaitu 65. Pada post test di siklus 1 ada kenaikan yaitu nilai 70 sehingga naik 6,41%. Selanjutnya pada siklus 2 pre test dengan nilai rerata 68, tetapi pada post test dengan nilai rerata 80 yang melebihi batas tuntas dengan kenaikan 19,2%. Hal ini dapat dikatakan bahwa mahasiswa berhasil meningkatkan motivasi belajar dan kemampuan berpikir kritis dalam memecahkan masalah yang ada pada materi paragraf
RESEPSI PEMBACA PADA SITUS DARING TERHADAP NOVEL YUKIGUNI KARYA KAWABATA YASUNARI
Get PDFReaders play an important role in analyzing a literary work. Each reader gives meaning and response to a work that may be similar but can also differ. Therefore, the existence of various online sites for reviewing a literary work enables other readers to see the diversity of responses to a novel. A Japanese novel that has received considerable attention and appreciation from readers is Yukiguni by Kawabata Yasunari. Various reader perspectives can be found on different online sites or blogs, such as Goodreads.com and LibraryThing.com, or in online bookstores like Amazon.co.jp. This study uses a descriptive qualitative approach to identify reader responses on online sites and analyzes them structurally. Through literary reception studies, it can be observed that each reader has a unique perspective on literature. Literary reception research also shows that literature is not static but is continuously brought to life and renewed by readers with each reading. This enriches literary studies by emphasizing the dialogical aspect between text and reader. The results of this study reveal readers\u27 synchronous comments on the intrinsic elements of the novel which receive appreciation from readers in terms of both praise and criticism
WORD FORMATION PROCESS OF NEW WORDS ON POPULAR SOCIAL MEDIA PLATFORMS
Get PDFWith the rapid growth of digital communication, social media has become a dynamic space for linguistic innovation, giving rise to new and often viral words. These lexical creations reflect users’ adaptation to the fast-paced and expressive nature of online interaction. This study aims to (1) identify the types of word formation processes used in viral new words circulating on major social media platforms, and (2) explore the implicit meanings embedded in these linguistic forms. Employing a qualitative content analysis approach, data were collected from two widely used platforms, Instagram and TikTok, resulting in a sample of 25 viral new words. The analysis revealed that blending was the most frequently occurring word formation process, appearing in 10 of the 25 cases. Based on Yule’s framework, the study identified seven distinct word formation types: blending (10), coinage (1), compounding (2), clipping (2), acronyms (4), derivation (1), and multiple processes (5). These findings highlight how social media not only influences the structure of language but also shapes the meanings conveyed through it. Many of these newly formed words carry implicit meanings that reflect current social trends, cultural values, and shared online experiences, demonstrating the evolving nature of language in the digital era.
Forensic-Based Investigation Optimization to Solving Traveling Salesman Problem
Get PDFThe FBI Optimization (FBIO) represents one of the most novel metaheuristics which has been experimented with to solve Traveling Salesman Problem (TSP), demonstrating superior performance compared to tradition-al algorithms. Unlike conventional approaches that start with exploration and gradually shift to exploitation, FBIO maintains a dominant exploration phase throughout its iterations. Beginning with 100% exploration and tapering to approximately 90% dominance in exploration by the end of the process, FBIO effectively navigates the solution space, uncovering more promising routes. This exploration-centric approach enables FBIO to achieve solutions that are 8.39% closer to the near-optimal result compared to its counterparts. The algorithm’s enhanced performance in TSP highlights its potential applicability to other combinatorial optimization challenges. By prioritizing exploration, FBIO offers a robust framework for addressing complex prob-lems and ensures a comprehensive search of the solution space. Its ability to deliver high quality near-optimal solutions makes FBIO a valuable tool for future research, presenting new opportunities for solving various optimization problems and advancing practical problem-solving methodologie
Rancang Bangun E-Catering Pada CV. Lembaga Palembang
Get PDFThe catering service sector in Palembang faces significant challenges in adapting to the digital era, particularly concerning operational efficiency and customer satisfaction. Manual business processes still implemented by CV. Lembaga, ranging from ordering to customer data management and delivery schedule arrangements, have proven to be time-consuming for consumers and potentially lead to errors. This research aims to design and develop a web-based e-catering system for CV. Lembaga Palembang as an innovative solution. Adopting the iterative cycle of the prototype method, this study involves stages of planning and requirements analysis, system design, initial prototype construction, testing and evaluation, and implementation. System design will be visualized using Unified Modeling Language (UML), including Use Case Diagrams for user functionality, Activity Diagrams for process flows, and Class Diagrams for data structures. This process aligns with the need for rapid validation and adaptation to changes. System acceptance by users will be analyzed using the Technology Acceptance Model (TAM), focusing on Perceived Usefulness and Perceived Ease of Use as key determinants of adoption. The resulting e-catering design is expected to automate CV. Lembaga\u27s business processes , enhance operational efficiency , expand its market reach , and provide convenience, thereby improving customer satisfaction through integrated digital services
Perancangan UI/UX Aplikasi Mobile Marketplace Barbershop Barbergo Dengan Metode User Centered Design
Get PDFThis research aims to produce interface design solutions and user experience for the mobile application of the BarberGo barbershop marketplace using the User Centered Design method. The research method used involves four main stages of User Centered Design consisting of Understand and Specify The Context of Use, Specify The User Requirements, Produce Design Solutions, and Evaluate The Design Against Requirements. Data collection through literature study methods and interviews with each of the five customer and barbershop respondents. The interview results were then processed and analyzed to obtain interface design solutions that have good usability values. The results of this study show a significant comparison between the results of the usability evaluation in the first and second stages. In the results of the usability level evaluation, from the customer side there was an increase in usability value of 18.16% with a final result of 80.74% and the barbershop experienced an increase in usability value of 17.19% with a final result of 82.28%. In the evaluation results of the System Usability Scale (SUS), from the customer side, there was an increase in value of 27 with a final result of 93 and the barbershop experienced an increase in value of 26 with a final result of 94. Based on these results, it shows that the interface design of the BarberGo barbershop marketplace mobile application has a good level of usability, and can be accepted and is suitable for use by users
DESIGN DESIGN OF MAKING LAND USE AREA MAPS IN SEMATANGBORANG DISTRICT USING QGIS: USING QGIS
No full textThe development of urban areas often results in changes in land use to meet infrastructure needs. In Sematangborang District, Palembang, the challenge of efficient land use requires accurate mapping. Quantum GIS (QGIS) is an effective solution in land use mapping because of its open source nature and spatial analysis capabilities. This research aims to improve the accuracy of land use mapping in the region. This research uses the Geographic Information System (GIS) using QGIS Software for Regional Mapping. Data was obtained through interviews with related agencies and secondary data in the form of Shapefile regional maps from Bappeda and RBI from the Indonesia Geospatial Site. Sematangborang District, which is located 11 km from the center of Palembang City, has an area of 36.97 km2 with four villages. The largest regional distribution is Sukamulya Village (46.70%), followed by Karyamulya (26.69%), Srimulya (18.84%), and Lebong Gajah (7.77%). Mapping using QGIS successfully identified a variety of land uses, including public facilities, settlements, agriculture, and green open spaces. The research succeeded in producing land use maps of various data sources, comprehensive maps succeeded in identifying public facilities, settlements, agriculture, and green open spaces. The results of this mapping can support more effective spatial planning and regional development
Pengaruh Harga, Promosi Dan E-Service Quality Terhadap Minat Beli Ulang Konsumen Pada Aplikasi Grab
Get PDFInformation technology has increasingly developed recently. The impact of developments in the transportation sector is also felt with the emergence of online-based transportation service businesses, one of which is Grab. This research aims to see the significant effect of price, promotion, and e-service quality on consumer repurchase interest in the Grab Application. In this research, the population that will be used is consumers who have used the Grab application and live in DKI Jakarta. The sample for this research was determined using a non-probability sampling method with a purposive sampling type with 100 respondents. Data collection is carried out via Google Forms. Data analysis was carried out using the PLS-SEM (Partial Least Square - Structural Equation Model) method by carrying out convergent validity, discriminant validity, composite reliability, R Square, and t-test. The results of the data analysis show that price, promotion, and e-service quality have a positive and significant effect on consumer repurchase interest in the Grab Application. Thus, if prices, promotions, and service quality improve according to consumers, Grab customers\u27 interest in making repeat purchases will increase.
Kata kunci: E-Service Quality, Price, Repurchase Intention, Promotion, Online Transportation
Abstrak
Kemajuan teknologi informasi yang semakin berkembang ikut membawa perubahan dalam bidang transportasi. Banyak bermunculan bisnis jasa trasportasi berbasis online, salah satunya ialah Grab. Tujuan dari penelitian ini adalah untuk melihat apakah terdapat pengaruh harga, promosi dan e-service quality terhadap minat beli ulang konsumen pada Aplikasi Grab. Dalam penelitian ini, populasi yang akan digunakan adalah konsumen yang pernah menggunakan aplikasi Grab yang berdomisili di DKI Jakarta. Sampel penelitian ini ditentukan melalui metode non probability sampling dengan jenis purposive sampling dengan jumlah responden sebanyak 100 responden. Pengumpulan data dilakukan melalui Google Form. Analisis data dilakukan dengan metode PLS-SEM (Partial Least Square – Structural Equation Model) dengan melakukukan convergent validity, discriminant validity, composite reliability, R Square serta Uji-t. Hasil analisis data menunjukkan bahwa harga, promosi dan e-servoce quality berpengaruh positif dan signifikan terhadap minat beli ulang konsumen pada Aplikasi Grab. Dengan demikian, jika harga, promosi, dan kualitas layanan semakin baik menurut konsumen, maka minat pelanggan Grab untuk melakukan pembelian berulang akan meningkat.
Keywords: E-Service Quality, Harga, Minat Beli Ulang, Promosi, Transportasi Onlin
Optimalisasi Pemahaman Bahasa Inggris dalam Pengelolaan Dokumen di Bank BRI Cinde, Palembang
Get PDFPemahaman Bahasa Inggris yang baik dan tepat menjadi krusial dalam era modernisasi sistem penyimpanan dokumen di perbankan, khususnya pada penggunaan sistem Brimen di Bank BRI Unit Cinde, Palembang. Kegiatan ini bertujuan untuk mengoptimalkan pemahaman Bahasa Inggris staf dalam penyimpanan dokumen menggunakan sistem Brimen, guna meningkatkan efisiensi operasional dan kepatuhan terhadap standar internasional. Metode yang digunakan meliputi pelatihan intensif berbasis teknologi, pendampingan rutin, dan promosi penggunaan Bahasa Inggris dalam aktivitas sehari-hari di tempat kerja. Hasil evaluasi menunjukkan bahwa pemahaman Bahasa Inggris di kalangan staf masih bervariasi, dengan tantangan utama dalam memahami dokumen-dokumen berbahasa Inggris yang diperlukan dalam sistem Brimen. Implementasi strategi ini terbukti efektif dalam meningkatkan kemampuan Bahasa Inggris, kepercayaan diri, dan efisiensi dalam proses penyimpanan dokumen. Dampak positif dari strategi ini memperkuat kualitas layanan dan operasional Bank BRI Unit Cinde. Penelitian ini merekomendasikan agar program pelatihan berkelanjutan diadakan untuk memastikan peningkatan yang konsisten dalam pemahaman Bahasa Inggris di lingkungan kerja