UMT Journal Management System
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    WHAT IS THE BEHAVIOR OF STUDENT SAVINGS?

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    This study aims to test and analyze the influence of financial knowledge, financial attitude, and income on student saving behavior. The independent variables in this study were financial knowledge, financial attitude and income, while the dependent variables in this study were saving behavior. This study uses primary data by providing a number of questionnaires to management students of the Faculty of Economics and Business, University of Muhammadiyah Tangerang. The number of samples in this study was 89 respondents. Furthermore, the data that has been collected is analyzed by multiple linear regression, The regression test results show that there is a significant influence of financial knowledge and financial attitude variables on saving behavior, proven. This is evidenced by the t-value calculated on the financial knowledge variable of 3,599 with a significance of 0.001 and the financial attitude of 4,120 with a significance of 0.000 so that the t-value is calculated above the t table and the significance is below 0.10. Therefore, it can be concluded that there is a significant influence of financial knowledge and financial attitude variables on saving behavior. Meanwhile, there is an influence of income variables on saving behavior, which is not proven. This is evidenced by the t-value calculated on the income variable of 0.820 with a significance of 0.414 so that the t-value calculated below the t table and the significance above 0.10. Therefore, it can be concluded that there is no significant influence of income variables on saving behavior

    Development of a Simple Checklist Model for Family Centered Care in Non-pharmacological Pain Management in Post-operative Wounds in Children

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    Background: Post-operative wound pain felt by children can be minimized with non-pharmacological pain management interventions. Parental involvement is very important in providing nursing care by pediatric nurses using the Family Centered Care (FCC) approach. Non-pharmacological pain management interventions that can be carried out by families include giving hugs, support, carrying, using distraction techniques and playing with the child. Objective: There is no monitoring sheet for the implementation of Family Centered Care in hospitals, especially in children's care rooms, carried out by pediatric nurses. For this reason, this research will be carried out with the aim of developing a simple checklist model for implementing Family Centered Care in carrying out non-pharmacological pain management in post-operative wounds in children. The research will be carried out in the pediatric care room of a hospital in Jambi Province. Method: The research method used is quantitative research with a descriptive design to determine the relevant level of instrument use. The sampling technique uses total sampling. The total sample was 37 pediatric nurses. Results: The results of the instrument field test were declared valid and reliable with r-count > r-table, namely 0.446-0.795 > 0.334. The instrument was declared reliable with Cronbach's alpha > r-table, namely 0.927 > 0.334. Conclusion: The 25 items in the instrument can be applied in the pediatric room for non-pharmacological management of post-operative wound pain. Keywords: Checklist model; Family Centered Care; Pain; Post-operative wound

    TOPONIMI NAMA-NAMA KALURAHAN DI KOTA BEKASI (KAJIAN ANTROPOLINGUISTIK)

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    Penelitian bertujuan untuk mengetahui asal-usul dan makna penamaan kelurahan di Kota Bekasi berdasarkan beberapa aspek, yaitu aspek perwujudan, kemasyarakatan, dan kebudayaan. Penulis berharap para pembaca dapat memahami proses pembentukan nama dan sejarah penamaan kelurahan di Kota Bekasi. Metode penelitian yang digunakan adalah metode deskriptif, di mana penulis harus mencari narasumber dan melakukan wawancara. Setelah itu, penulis mengategorikan nama-nama kelurahan tersebut ke dalam beberapa aspek: aspek perwujudan yang terdiri dari latar perairan, latar rupa bumi, dan latar lingkungan alam; aspek kemasyarakatan yang terdiri dari kedudukan seseorang, profesi, dan pekerjaan; serta aspek kebudayaan yang terdiri dari folklor, mitos, dan sistem kepercayaan. Penulis menggunakan pendekatan kualitatif dalam menyusun langkah kerja. Setelah melakukan wawancara dan mengategorikan penamaan kelurahan ke dalam beberapa aspek, penulis menarik kesimpulan bahwa toponimi dan makna nama-nama kelurahan di Kota Bekasi didominasi oleh aspek perwujudan dengan rincian sebagai berikut: indikator latar lingkungan alam sebesar 40,6%, indikator latar perairan sebesar 17%, dan indikator latar rupa bumi sebesar 1,7%. Pada aspek kemasyarakatan, kedudukan seseorang memiliki persentase 15,2%, profesi 3,3%, dan pekerjaan 1,7%. Pada aspek kebudayaan, sistem kepercayaan memiliki persentase terbesar yaitu 10,3%, folklor 8,5%, dan mitos 1,7%. Secara keseluruhan, aspek perwujudan paling dominan dalam penamaan kelurahan di Kota Bekasi dengan persentase sebesar 60%, diikuti oleh aspek kemasyarakatan dan aspek kebudayaan masing-masing dengan persentase sebesar 20%

    PENGEMBANGAN BUKCERNALA (BUKU CERITA ANAK BERMUATAN NILAI-NILAI PROFIL PELAJAR PANCASILA) UNTUK PENGUATAN KARAKTER SISWA

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    Penelitian ini bertujuan untuk mengembangkan Buku Cerita Anak Bermuatan Nilai-Nilai Profil Pelajar Pancasila  (Bukcernala). Penelitian ini termasuk dalam penelitian dan pengembangan (Research and Development) yang dilaksanakan mengikuti rancangan 4-D model dari Thiagarajan yang meliputi 1) define, 2) design, 3) development, dan 4) disemination. Secara spesifik penelitian ini memiliki dua tujuan utama yaitu, (1) mengidentifikasi langkah-langkah dalam proses pengembangan produk yang dihasilkan, (2) menilai sejauh mana kelayakan produk tersebut. Subjek penelitian ini adalah siswa SDI Ta’alumul Huda Bumiayu. Selanjutnya, kegiatan pengumpulan data dalam penelitian ini dilakukan melalui observasi, dokumen, wawancara, dan angket. Analisis data menggunakan statistik deskriptif. Hasil pengembangan produk “Bukcernala” terkait dengan sikap 1) beriman, bertakwa kepada Tuhan Yang Maha Esa, dan berakhlak mulia, 2) mandiri, 3) bergotong-royong, 4) berkebinekaan global, 5) bernalar kritis, dan 6) kreatif. Proses pengembangan buku cerita anak ini melalui enam langkah, yaitu menentukan tema, merancang alur cerita atau storyboard, memilih karakter, membuat ilustrasi, mengintegrasikan berbagai elemen buku, dan melakukan validasi oleh ahli materi, ahli media dan ahli bahasa. Hasil validasi dari ahli materi menunjukkan tingkat kevalidan dengan persentase 94%, uji validasi ahli bahasa dengan nilai persentase 90%, dan validasi ahli media mencapai 94.6%. Di sisi lain, respons yang diberikan siswa sangat baik dengan penilaian bahwa buku cerita ini menarik, mudah dipahami, dan dapat menjadi contoh perilaku hidup. Selanjutnya, hasil penilaian guru terhadap produk yang dihasilkan mendapatkan penilaian dengan kriteria “Sangat Baik”. Guru berpendapat bahwa cerita yang disajikan dalam buku cocok digunakan dalam pembelajaran sebagai media pembelajaran untuk penguatan karakter siswa. Kata kunci: cerita anak, Profil Pelajar Pancasila, pendidikan karakte

    PERANCANGAN DESAIN ALAT PEMBAKARAN SAMPAH RAMAH LINGKUNGAN

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    AbstractIn designing an environmentally friendly waste incineration device, it is important to consider the product life cycle comprehensively. This includes selecting environmentally friendly construction materials, such as recycled or biodegradable materials, as well as designing for ease of maintenance and upkeep to extend the lifespan of the device. Additionally, modular and adaptable design can allow for adaptation to different local needs and conditions. Environmentally friendly waste incineration device design should consider technical and practical concepts that can reduce negative impacts on the environment and human health. One key aspect is combustion efficiency, which can be achieved through the selection of advanced combustion technologies and proper control of temperature and airflow. Furthermore, reducing pollutant emissions such as hazardous particles, greenhouse gases, and toxic compounds should be a primary focus. This can be accomplished using effective exhaust gas filtration and purification technologies. In designing this device, it is important to consider social and economic aspects, including technology availability and accessibility, as well as operational and maintenance costs.Keyword : Incinerator, Wate Incinerator, Environmentally Friendly

    THE INFLUENCE OF DEMOCRATIC LEADERSHIP STYLE, WORK DISCIPLINE AND INCENTIVES ON EMPLOYEE PERFORMANCE AT PT MULTI BINTANG INDONESIA TBK

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    The purpose of this study is to determine the influence of Democratic Leadership Style, Work Discipline and Incentives on Employee Performance at PT Multi Bintang Indonesia Tbk. Sampling was 110 people. The results of the study showed that partially, the perception of democratic leadership style had a positive and significant effect on employee performance, which was shown by the t-value of the t-count > t table (3.882 >1.982) and the significance of 0.001. For the variable of work discipline partially and significantly having a positive and significant effect on employee performance, it is shown by the t-value calculated > t table (9.609 > 1.982) and the significance of 0.001. And for the partial and significant incentive variables that have a positive and significant effect on employee performance, it is shown by the t-value calculated > t table (7.856 > 1.982) and the significance of 0.001. Simultaneously positive and significant effects are shown by the F value of the F calculation > F table (40.972 > 3.08) and the significance of 0.001

    A TRIAD OF EXCELLENCE: HOW STRATEGIC LEADERSHIP, INTELLECTUAL CAPITAL AND IT INNOVATION DRIVE COMPETITIVE ADVANTAGE IN HIGHER EDUCATION INSTITUTIONS

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    This study analyzes the determinants of sustainable competitive advantage through the Resource-Based View (RBV) approach, focusing on strategic leadership, intellectual capital, and technological innovation. The qualitative method was applied through a systematic review of 27 selected literature (Scopus and nationally accredited). The results reveal: (1) strategic leadership plays a role as a guide for long-term vision, (2) intellectual capital (knowledge, skills, innovation) becomes irreplaceable assets, and (3) technological innovation increases productivity, product differentiation, and market adaptation. The interaction of the three creates a sustainable competitive ecosystem. This research contributes theoretically to the development of strategic and practical management as a business guide in the digital era. Recommendations for further research include the expansion of variables (organizational culture, business networking, dynamic capabilities) and the application of mixed methods. These findings underscore the importance of inter-factor synergy in building a competitive advantage that is resistant to disruption

    EXPLORING THE INTERSECTION OF FINANCIAL DISTRESS, MARKET DIVERSIFICATION FAILURES, AND RISKY FINANCING: A CASE STUDY OF PT SRITEX’S DECLINE

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    This study analyzed financial distress prevention efforts at PT Sritex using three prediction models: Springate S-Score, Zeta Score, and Discriminant Analysis. The results show the company is in a high-risk condition based on all three models. The Springate S-Score (0.78 < 1.0) indicates operational inefficiencies, the Zeta Score (1.5 < 1.81) indicates a risk of short-term bankruptcy, and the Discriminant Score (0.45 < 1.0) reflects financial instability. The analysis concluded that this condition could be prevented through strategic measures, including cost efficiency, debt restructuring, market diversification, and strengthening governance. Springate emphasizes working capital improvements, Zeta Score points to optimizing debt structures, while Discriminant Analysis suggests improving financial ratios. These findings form the basis for recommendations for management to improve transparency and risk management to mitigate bankruptcy. The research makes a practical contribution to stakeholders in developing evidence-based financial recovery strategies

    THE EFFECT OF MANAGERIAL OWNERSHIP, WOMEN CEO AND WATER ACCOUNTING ON PROFIT MANAGEMENT

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    This research was conducted to determine the effect of managerial ownership, female CEO and water accounting on earnings management in manufacturing companies listed on the IDX in 2018-2022. This research uses quantitative research. The population in this research are manufacturing companies listed on the Indonesia Stock Exchange (BEI). The sampling technique uses a purposive sampling method based on several predetermined criteria and produces 10 company samples with 50 observation data. The data analysis method used panel data regression analysis which is tested using Eviews 12 software. The hypothesis testing method uses a significance level of 5%. The research results show that the managerial ownership and woman CEO variables have an effect on earnings management, while the water accounting variable has no effect on earnings management

    FINANCIAL FEASIBILITY OF PROPERTY TECHNOLOGY BUSINESS PLANNING (PROPTECH) AS AN ONLINE PROPERTY RENTAL SOLUTION

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    This study examines the financial planning strategy of a business in the property technology (PROPTECH) sector through a five-stage approach: financial goal setting, planning elements, financial projections, investment feasibility analysis, and financial performance evaluation. This plan aims to ensure financial sustainability and support the strategic and measurable development of PROPTECH's business. These stages involve managing income, expenses, and investments based on short-, medium-, and long-term projections. Analysis of ROI, NPV, IRR, and PP indicate strong investment feasibility, while evaluation of financial ratios such as liquidity, solvency, and profitability confirm PROPTECH's ability to manage capital effectively. The projection results show significant annual revenue growth, with profitability continuing to increase until the fifth year. Thus, this study provides a comprehensive framework to support business success in the PROPTECH sector through integrated financial management

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