Financial Literacy Among University Students: Empirical Evidence From Indonesia

This study investigates the level of financial literacy among undergraduate and graduate students. The study also examines the association between the students\u27 demographic factors and their financial literacy rate. Data were collected by distributing 800 questionnaires to undergraduate and graduate students of Gadjah Mada University, Indonesia, covering cross educational majors, ages, gender, education levels, marital status, income, and work experience. Out of the sample, a total of 348 respondents returned completed questionnaires, which gave a response rate of 43.5 percent. The findings show that on average 45.39 percent of the respondents answered the questions correctly, which is relatively low compared to what other studies found in other countries, such as Chen and Volpe (1998) in the US (52.87 percent), or Beal and Delpachitra (2003) in Australia (53 percent). It also seems that male students, students with economics and business majors, those with higher incomes, and more work experience have a higher financial literacy rate. Using probit and tobit regression tests, the study revealed that education levels and academic disciplines are positively associated with the financial literacy rate

Efforts to Produce Siamese Citrus Fruit Out of Season and Fruit Quality Improvement Through Application of Potassium Nitrate and Agrodyke Fertilizer

The research aimed to find out the efforts to produce off-season orange fruit and increase the quality of fruit through the application of potassium nitrate and agrodyke organic fertilizer. The study used a factorial randomized block design with 2 treatment factors. The first factor is the flower induction application using potassium nitrate (K) consisting of 3 levels, namely (K0 = 0 g/tree), (K1 = 20 g/tree), and (K2 = 40 g/tree). While the second factor is the application of agrodyke organic fertilizer (P) consisting of 4 levels, namely (P0 = 0 g / tree), (P1 = 15 g/tree), (P2 = 30 g / tree) and (P3 = 45 g/tree). There are 12 combination treatments and each of them is repeated 3 times so that 36 tree plants are needed. The results showed the interaction between potassium nitrate treatment with agrodyke organic fertilizer treatment had no significant effect on all observed variables. Potassium nitrate treatment and agrodyke organic fertilizer can significantly improve the quality of orange citrus fruit out of season physically. In the treatment of potassium nitrate 40 g/tree, the weight of the harvested fruit per tree was obtained, the weight per fruit and the highest fruit diameter were 13703.90 g; 99.92 g and 6.81 cm or an increase of 62.24%; 16.32% and 9.49% compared with no treatment of potassium nitrate which is 8446.60 g; 87, 42 g and 6.22 cm

Decision Support System for Determining the Type of Workout Using the Fuzzy Analythical Hierarchy Process (F-AHP) in GYM STIKI

Purpose: Decision Support System for Determining the Type of Workout Using the Fuzzy Analythical Hierarchy Process (F-AHP) Method The STIKI GYM was created to make it easier for trainers to provide training for STIKI GYM participants who carry out workouts at STIKI GYM. Meanwhile, for STIKI GYM participants, the system can make it easier to carry out workout activities according to their respective body loads.Design/methodology/approach: Fuzzy Analythical Hierarchy Process (F-AHP) Method and being tested with black box testingFindings/result: Users can find out workout activities by entering the criteria for body weight, height, and exercise intensity into the system and helping trainers provide training in accordance with the recommendations for workout activities from the Decision Support System for Determining the Types of Workout Using the Fuzzy Analythical Hierarchy Process (F-AHP) Method at STIKI GYM.Originality/value/state of the art: The Decision Support System for determining the Type of Workout is indeed implemented at STIKI GYM by using data support in the form of interview results and participant data from STIKI GYM

Pelatihan Bisnis Online Menggunakan Aplikasi Shopee

Di tutupnya pasar seni Sukawati dan Guang dari dampak COVID-19 membuat para UMKM yang berasal dari Banjar Sakah, Desa Batuan Kaler tidak dapat berjualan, sehingga mengakibatkan perekonomian mereka menjadi menurun. Pada umumnya, mereka menggunakan cara konvensional dalam pemasaran produknya sehingga profit atau keuntungan yang dihasilkan tidak sebesar toko virtual (online). Dari permasalahan ini, Kepala Dusun (Kadus) bekerjasama dengan STIKI Indonesia dalam Programnya Aksi Stiki Peduli melakukan sosialisasi dan Pelatihan bisnis online menggunakan aplikasi shopee. Pelaksanaan PKM ini menggunakan metode parsitipatif, penyuluhan, pendampingan dan pelatihan di lokasi. Melalui pelatihan bisnis online yang menggunakan aplikasi shopee ini, diharapkan dapat membantu memasarkan produk mereka secara E-marketing pada masa Pandemi Covid-19 ini. Hasil dari Pelatihan yang sudah dilakukan menunjukkan Perubahan dan peningkatan yaitu: (1) 20% peserta berinisiatif mendaftarkan mereknya guna memperoleh legalitas, khususnya yang telah melakukan kegiatan usaha dalam kurun waktu diatas 5 tahun; (2) 20% peserta yang belum memiliki merek mulai membuat merek untuk digunakan dalam kegiatan usaha; (3) 60% dari 80% peserta yang telah memiliki merek, memutuskan untuk mengganti merek yang telah digunakan agar lebih “menjual”; dan (4) 50% peserta telah menerapkan iklan berbayar di shopee dan sisanya masih menerapkan iklan kata kunci secara gratis