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    Academic Motivation of Highschoolers During Distance Learning: The Contribution of Perceived Social Support and Grit: [Motivasi Akademik Siswa SMA yang Menjalani Pembelajaran Jarak Jauh: Sumbangan Persepsi Dukungan Sosial dan Grit]

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    The changing in learning activities from face-to-face classes to distance learning has brought a decrease in student’s enthusiasm and involvement. This change might also cause a decrease in academic motivation among high school students. Academic motivation could be increased by internal factors, namely perceptions of social support and grit. This study aimed to examine the contribution of perceived social support and grit on academic motivation. This study’s measurements utilized: (1) the Academic Motivation Scale (AMS) for academic motivation; (2) Social Provisions Scale (SPS) for perceived social support; and (3) Grit Short Scale (GRIT-S) for grit. Data was obtained using a series of questionnaire distributed online. This study involved total of 222 high school students undergoing distance learning. Based on a multiple linear regression analysis, it was found that perceived social support and grit had a significant contribution of 8.7% to academic motivation (F = 10.392; R² = .087; Adjusted R² = .078; p = .05). Therefore, related parties need to maintain and develop social support and grit for students so that academic motivation can remain good even when faced with distance learning conditions.   Perubahan kegiatan belajar menjadi pembelajaran jarak jauh (PJJ) membawa berbagai perubahan yang dapat menyebabkan menurunnya semangat dan keterlibatan, karena menurunnya motivasi akademik pada siswa sekolah menengah atas (SMA). Motivasi akademik dapat ditingkatkan dengan faktor internal, yaitu persepsi terhadap dukungan sosial dan grit. Studi ini ingin melihat kontribusi dari persepsi terhadap dukungan sosial dan grit secara bersamaan pada motivasi akademik. Pengukuran variabel studi ini dilaksanakan menggunakan: (1) motivasi akademik dengan Academic Motivation Scale (AMS); (2) persepsi terhadap dukungan sosial dengan Social Provisions Scale (SPS); dan (3) grit dengan Grit Short Scale (GRIT-S). Data studi ini didapatkan dengan menggunakan kuesioner yang disebarkan secara daring. Sebanyak 222 partisipan yang sedang menjalani pembelajaran jarak jauh (PJJ) dilibatkan dalam studi ini, dan berdasarkan analisis multiple linear regression, didapatkan hasil bahwa persepsi terhadap dukungan sosial dan grit secara bersamaan memiliki kontribusi yang signifikan senilai 8,7% terhadap motivasi akademik (F = 10,3; R² = 0,087; Adjusted R² = 0,078; p < 0,05). Maka dari itu, penting bagi pihak terkait untuk menjaga dan mengembangkan dukungan sosial dan juga grit pada siswa agar motivasi akademik dapat tetap baik walaupun dihadapkan pada kondisi pembelajaran jarak jauh (PJJ)

    DETERMINAN LOYALITAS PELANGGAN APLIKASI LIVIN BY MANDIRI DI KOTA SEMARANG

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    Mobile Banking can generally be interpreted as an m-commerce application that is supported by mobile technology and products that make it easier for customers to process banking services using mobile phones, including being accessible using smartphones, tablets, smart watches and various other advanced technologies. Banking services are provided by the company to support the course of bank-related activities to customers in order to make it easier for customers to make transactions. This is useful to support the smooth storage and distribution of capital, which is directly related to deposits and credit as well as indirectly. Knowing the effect of Brand Image, Product Quality and Price on Customer Loyalty of Livin by Mandiri application is the purpose of this research. A total of 100 respondents were obtained who had been adjusted to the criteria of being over 17 years old and were users of the Livin by Mandiri application, Where in getting the respondent using the purposive sampling method. In this study, several tests were carried out such as the Validity Test, Reability, Classical Assumptions, T-Test and F-Test. The result of this study is that all variables have a positive impact on customer loyalty, this shows that the better the brand image, product quality and the more affordable the price that can be provided by the company, the more customer loyalty will increase.Mobile Banking  umumnya dapat diartikan sebagai aplikasi m-commerce yang terdukung oleh teknologi dan product mobile yang memudahkan pelanggan dalam memproses layanan perbankan menggunakan mobile phone, termasuk dapat diakses menggunakan smartphone, tablet, jam tangan pintar dan berbagai teknologi canggih lainnya. Layanan perbankan diberikan oleh perusahaan untuk mendukung jalannya kegiatan yang berkaitan dengan bank kepada pelanggan agar lebih memudahkan pelanggan dalam melakukan transaksi. Hal ini berguna untuk menunjang kelancaran penyimpanan dan penyaluran modal, yang berkaitan langsung dengan simpanan dan perkreditan maupun yang tak langsung. Mengetahui pengaruh dari Citra Merek, Kualitas Produk dan Harga Terhadap Loyalitas Pelanggan Aplikasi Livin by Mandiri merupakan tujuan dari dilakukannya penelitian. Sebanyak 100 responden didapatkan yang telah disesuaikan dengan kriteria berusia diatas 17 tahun dan merupakan pengguna aplikasi Livin by Mandiri, di mana dalam mendapatkan responden tersebut menggunakan metode purposive sampling. Dilakukan beberapa pengujian seperti Uji Validitas, Reabilitas, Asumsi Klasik, Uji-T serta Uji-F. Hasil penelitian ini adalah semua variabel berdampak positif terhadap loyalitas pelanggan, hal ini menunjukkan semakin bagus brand image, kualitas produk serta semakin terjangkaunya harga yang dapat disediakan oleh perusahaan maka akan semakin bertambah pula loyalitas pelanggan

    DINAMIKA KEMAMPUAN ADAPTASI AKADEMIK MAHASISWI ANGKATAN 2019 UBAYA PADA MASA PANDEMI

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    Abstrak—Adaptasi adalah penyesuaian diri yang dilakukan makhluk hidup untuk bertahan hidup di lingkungan baru. Namun, pada penelitian kali ini akan berfokus kepada mahasiswa 2019 yang sedang menempuh pendidikan di Universitas Surabaya. Metode yang digunakan oleh peneliti yaitu pengumpulan data dengan menggunakan metode kualitatif dengan paradigma descriptive phenomenology, penelitian ini dilakukan dengan observasi dan wawancara. Partisipan penelitian menggunakan 5 mahasiswi angkatan 2019. Tujuan dalam penelitian ini yaitu untuk mengetahui bagaimana proses mahasiswa beradaptasi selama masa pandemi. hasil Implikasi dalam penelitian ini adalah adaptasi yang dilakukan oleh partisipan berbeda-beda. perubahan yang dilakukan oleh partisipan dipengaruhi oleh faktor internal dan eksternal. faktor-faktor tersebut yang mempengaruhi keberhasilan partisipan dalam melakukan adaptasi di masa pandemi dan pembelajaran online. pada masa pandemi ini memiliki dampak positif dan negatif yang ditemukan seperti dampak positif dengan mendapatkan waktu quality time lebih banyak dengan keluarga, memiliki waktu yang efisien, dan dalam belajar online belajar fitur-fitur baru. sedangkan dampak negatif dari adanya pandemi yaitu menurunnya ekonomi, kurang konsentrasi karena suasana rumah yang tidak kondusif, cepat bosan, mengatur waktu dalam penggunaan laptop dan handphone untuk mengurangi dampak fisik. Maka dari itu, perubahan ini pun berpengaruh kuat dengan perasaan yang dimiliki oleh partisipan. Perubahan pada masa pandemi berkaitan dengan perasaan, dimana pada masa ini lah partisipan merasa lebih cepat bosan, jenuh, stres, mood yang naik turun karena pada masa pandemi partisipan tidak bisa melakukan kegiatan yang dilakukan pada saat sebelum pandemi. Kata kunci: kemampuan adaptasi, study from home, online learning, pandemi   Abstract -Adaptation is the ability of living beings to adjust to a new environment. However, this research will focus on 2019 students who are currently studying at the University of Surabaya. This study aims to find out how the process of students adapting to academics during the pandemic. This research method uses a qualitative approach with a descriptive phenomenology paradigm by means of observation and interviews. The research participants used 5 female students from the class of 2019. The purpose of this study was to find out how the process of students adapting during the pandemic. The results of this study imply that the adaptations carried out by the participants are different. internal and external factors influence the changes made by participants. These factors affect the success of participants in adapting to the pandemic and online learning. During this pandemic, positive and negative impacts were found, such as positive impacts by getting more quality time with family, having efficient time, and learning new features. While the negative effects of the pandemic are the economic downturn, lack of concentration due to a non-conducive home atmosphere, easily get bored, and managing time using laptops and cellphones to reduce physical impacts. Therefore, this change also has a strong effect on the feelings held by the participants. Changes during the pandemic are related to feelings, where at this time participants feel bored, saturated, stressed, mood swings up and down because during the pandemic the participants could not do the activities they did before the pandemic. Keywords: adaptability, study from home, online learning, pandemi

    Determinant of firm financial performance: Case of Indonesian conventional banks

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    The objective of this study is to assess the influence of good corporate governance, intellectual capital, credit risk, and sales growth on the financial performance of conventional banking firms that are listed on the Indonesia Stock Exchange throughout the period of 2018-2021. The sample approach employed in this study is purposive sampling. The sample size consists of 21 firms. Various data analysis approaches employ normality testing, double regression tests, hypothesis tests, and determination coefficient tests. The findings indicate that there is no significant relationship between corporate governance performance, intellectual capital, credit risk, sales growth, and financial performance. The results of this study provide practical implications, especially for investors and management of banking companies to consider various factors in improving the company's financial performance

    Praktik akuntansi lingkungan pada sektor ekonomi kreatif Indonesia: Studi niat perilaku UMKM milenial

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    Global environmental problems are receiving increasing attention from academics, policymakers, regulators, activists, and the public. Although economically significant, Indonesian Micro, Small, and Medium Enterprises (MSME) are the main contributors to environmental pollution. Environmental Accounting (EA) calculates the cost of the environmental impact of business operations. However, it is unclear whether environmental impact costs have been calculated in traditional accounting. The millennial generation dominates MSME owners in Indonesia. This study analyzes the factors that encourage the intention of millennial MSME owners to apply Environmental Accounting Practices. This study uses the theory of planned behavior and an online survey with 164 respondents. Data analysis using PLS-SEM. The results show that the benefits of environmental accounting, price, complex integration, and subjective norms affect the attitude of millennial MSME owners toward environmental accounting. The price and complexity of integration encourage millennial MSME owners to control their behavior. Organizational environmental regulations and orientation have no significant effect. Subjective norms, attitudes, and behavioral controls affect the behavioral intention of environmental accounting in millennial generation MSMEs. These findings are essential for MSME owners, policymakers, MSME associations, and Indonesian academics

    A Study of Player Behavior And Social Influences to Purchase Intention Mobile Legends: Bang Bang In-Game Item

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    Purpose: This quantitative study aims to analyze the interest in buying items and skins in the online game Mobile Legends in Indonesia, especially in East Java Province by looking at the psychological and social factors of game players. Player behavior is a psychological factor and social factors are social influence variables. Design/methodology/approach: The number of samples in this study was 310, the sampling method used purposive sampling. Respondents are active Mobile Legends game players who have participated in answering our research questionnaire. The data collection method uses online questionnaire distribution using Google Forms. Measurement of data using answers with a Likert scale of 1 to 10 with 1 point strongly disagree and 10 points strongly agree. Data were analyzed using the PLS-SEM method using Smart PLS 3.0 software. Findings: Player behavior includes achievement, challenge, escapism, and social interaction. Social influences consist of network externality and community involvement. The results of our research show that player behavior consists of achievement, challenge, escapism, and social influences such as network externality, and community involvement have a significant positive effect on Purchase Intention. Originality/value: This study explores the purchase intention of virtual item in the mobile legends game using the uses and gratifications theory (U&G). The application of U&G theory is seen from the behavior of the players. Social influences is also applied to see the influence from outside the players

    Analisis Cost-Effectiveness Kombinasi Glimepiride-Metformin Dengan Glimepiride-Pioglitazone pada Pasien Diabetes Mellitus Tipe 2 Rawat Jalan

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    Kombinasi glimepiride-metformin merupakan lini pertama pengobatan diabetes mellitus tipe 2 (DMT 2) dan kombinasi glimepiride-pioglitazon saat ini masuk dalam daftar pedoman pelayanan kefarmasian pada pasien diabetes mellitus. Penelitian ini bertujuan untuk mengetahui kombinasi terapi manakah yang paling cost-effective antara kombinasi glimepiride-pioglitazon dibandingkan kombinasi glimepiride-metformin dalam menurunkan gula darah puasa dan HbA1c. Pada penelitian ini didapatkan 60 sampel pada kelompok kombinasi obat glimepiride-pioglitazon dan 40 sampel pada kelompok kombinasi glimepiride-metformin. Desain penelitian yang dilakukan dengan metode observasional dan alur pengumpulan data secara retrospektif. Analisa data menggunakan perhitungan ACER (Average Cost-Effectiveness Ratio) dan ICER (Incremental Cost-Effectiveness Ratio) dan uji Mann Whitney. Hasil analisis pada kombinasi glimepiride-pioglitazon, yang memenuhi target GDP (gula darah puasa) sebanyak 21,67%, GDA sebanyak 45,00% dan HbA1c sebanyak 36,67% dengan rata-rata biaya pengobatan Rp 2.184.810,00. Sedangkan pada kelompok kombinasi glimepiride-metformin, GDP yang tercapai 2,50%, GDA yang tercapai 20,00% dan HbA1c yang tercapai sebanyak 20,00% dengan rata-rata biaya pengobatan Rp 2.198.060,00. Hasil analisis efektifitas biaya dalam menurunkan kadar GDP, GDA dan HbA1c menunjukan perbedaan efektifitas biaya untuk pengurangan per unit pada pencapaian glukosa darah dan HbA1c yang signifikan. Kombinasi glimepiride-pioglitazon merupakan terapi cost-effective yang signifikan sebagai terapi DMT2 dalam menurunkan GDP (ICER=Rp -387,767), GDA (ICER=Rp -935,074), dan HbA1c (ICER=Rp -794,841).   The glimepiride-metformin combination is the first line of treatment for T2DM and the glimepiride-pioglitazone combination is currently included in the list of pharmaceutical service guidelines for diabetes mellitus patients. This study aims to find out which combination of therapy is the most cost-effective, the glimepiride-pioglitazone combination compared to the glimepiride-metformin combination in reducing fasting blood sugar and HbA1c. In this study, 60 samples were obtained in the glimepiride-pioglitazone drug combination group and 40 samples in the glimepiride-metformin combination group. The research design was carried out using an observational method and a retrospective data collection flow. Data analysis used ACER (Average Cost-Effectiveness Ratio) and ICER (Incremental Cost-Effectiveness Ratio) calculations and the Mann Whitney test. The results of the analysis on the glimepiride-pioglitazone combination, which met the GDP target (fasting blood sugar) of 21.67%, GDA of 45.00% and HbA1c of 36.67% with an average treatment cost of IDR 2,184,810.00. Meanwhile, in the glimepiride-metformin combination group, GDP was achieved at 2.50%, GDA was achieved at 20.00% and HbA1c was achieved at 20.00% with an average treatment cost of IDR 2,198,060.00. The results of the cost-effectiveness analysis in reducing GDP, GDA and HbA1c levels show that the difference in cost-effectiveness for the reduction per unit in achieving blood glucose and HbA1c is significant and the combination of glimepiride-pioglitazone is a significant cost-effective therapy as DMT2 therapy in reducing GDP (ICER=IDR -387,767), GDA (ICER=IDR -935,074), and HbA1c (ICER=IDR -794,841)

    Formulasi dan Evaluasi Edible Film dari Ekstrak Terpurifikasi Daun Beluntas (Pluchea indica L.) Sebagai Anti-Sariawan

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    Sariawan adalah luka akibat iritasi pada gusi, lidah, dan lapisan dalam mulut. Tanaman yang dapat dimanfaatkan sebagai obat sariawan yaitu beluntas (Pluchea indica Less). Salah satu sediaan yang efektif untuk mengobati sariawan yaitu edible film. Tujuan penelitian ini adalah membuat edible film dari ekstrak terpurifikasi daun beluntas dan mengetahui aktivitas antibakteri edible film terhadap Staphylococcus aureus. Penelitian dimulai dari ekstraksi dan purifikasi ekstrak, pembuatan edible film, evaluasi fisik sediaan dan uji aktivitas antibakteri sediaan menggunakan metode dilusi padat. Formula edible film terdiri dari ekstrak terpurifikasi 2,5%, 5%, 7,5% dan formula tanpa ekstrak. Hasil evaluasi fisik menunjukkan berat rata-rata edible film dari masing-masing fomula yaitu 0,25-0,41 g. Ketebalan edible film yaitu 0,07-0,14 mm. Daya lipat yang dihasilkan lebih dari 300 kali, pH permukaan senilai 6,47-6,73. Waktu larut dari edible film yaitu 25-32 detik. Uji aktivitas antibakteri menggunakan semua formula edible film, formula tanpa ekstrak (kontrol negatif) dan Betadine obat kumur (kontrol positif ). Hasil pengujian antibakteri diperoleh semua formula memiliki aktivitas antibakteri terhadap S. aureus, dengan konsentrasi hambat minimum dan konsentrasi bunuh minimum yaitu 2,5%. Kesimpulan penelitian ini yaitu edible film ekstrak terpurifikasi daun beluntas memenuhi kriteria mutu fisik edible film yang baik dan memiliki aktivitas antibakteri terhadap S. aureus.   Stomatitis are sores caused by irritation of the gums, tongue and lining of the mouth. A plant that can be used as a medicine for stomatitis is beluntas (Pluchea indica Less). One of the effective preparations for stomatitis treatment is edible film. The aim of this research were making edible film from purified extract of beluntas leaves and determining the antibacterial activity of edible film against Staphylococcus aureus. The research started from extraction and purification of the extract, making the edible film, physical evaluation of the products and testing the antibacterial activity using solid dilution method. Edible film formula consists of purified extract 2.5%, 5%, 7.5% and a formula without extract. The results of physical evaluation showed that the average weight of edible film from each formula were 0.25-0.41 g. The thickness of the edible film were 0.07-0.14 mm. Folding power were more than 300 times. The surface pH were 6.47-6.73 and the dissolution time were 25-32 seconds. The antibacterial activity test used all edible film formulas, formulas without extract (negative control) and Betadine mouthwash (positive control). The antibacterial test results showed that all formulas had antibacterial activity against S. aureus, with a minimum inhibitory concentration and a minimum bactericidal concentration of 2.5%. The conclusion of this research is edible film from purified extract of beluntas leaves qualified good physical quality of edible film and has antibacterial activity against S. aureus

    WHAT DO SHARIAH BOARDS THINK ABOUT AI?

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    This paper provides a critical discussion on the functions and capabilities of Shariah boards, considering their ultimate authority in delivering Shariah assurance to stakeholders of Islamic banks. The primary objective of this initiative is to enhance the proficiency of Islamic banking in the realm of digital finance advancement while ensuring rigorous adherence to Shariah principles. This paper discusses the significance of robo advisory in facilitating real-time Shariah counsel by Shariah boards. Additionally, it highlights the potential of blockchain management systems (BMS) in augmenting the monitoring function of Shariah boards, namely in conducting reviews and audit assessments to ensure Shariah compliance in Islamic banks

    Penguatan Bank Perekonomian Rakyat Berbasis Asas Demokrasi Ekonomi: Paradigma Keadilan Sosial

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    The increasingly complex and numerous fundamental problems in the financial sector are driving financial sector have encouraged reform of the financial industry through the omnibus law, Law Number 4 of 2023 concerning Development and Strengthening of the Financial Sector (UUP2SK). The main aim of the presence of UUP2SK is to improve and direct the financial sector to be able to face global dynamics, be fair, sustainable, stable and inclusive as an embodiment of economic democracy which ultimately leads to the creation of social justice. One way of strengthening the financial services sector is through expanding the business activities of People’s Economic Banks (BPR) in Article 13 paragraph (1) letter g UUP2SK which opens up opportunities for BPR’s to collaborate with other financial service institutions, one of which is fintech lending so that they can expand accessibility all levels of society regarding funding. Based on this, the aim of this writing is to find out the implications of the UUP2SK omnibus law on expanding BPR businesses and strengthening BPR based on economic democracy after UUP2SK in realizing social justice for society. This research is normative legal research using a statutory regulatory approach and a conseptual approach. The data used is secondary data through literature study of primary, secondary and tertiary legal materials. The results of this research show that expanding BPR cooperation with other financial service institutions, namely fintech lending, can be a solution for equalizing BPR in Indonesia, as a concretization of the principles of economic democracy in realizing social justice for all society. However, it is necessary to strengthen and improve the level of substance, structure, and legal culture by prioritizing the spirit of economic democracy to realize social justice for the entire community

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