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Putu Fairnanda Sastra Devi; Dewa Gede Sudika Mangku; Ni Putu Rai Yuliartini

Konsensus : Jurnal Ilmu Pertahanan, Hukum dan Ilmu Komunikasi 2026 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

The development of modern armed conflicts shows the increasing involvement of civilians in hostilities, which has given rise to the phenomenon of civilian combatants and created ambiguity in the classification of subjects in International Humanitarian Law. This study aims to analyze the legal status of civilians involved in armed conflicts and the limits of legal protection inherent to them. The research method used is normative juridical with a legislative and conceptual approach, through an analysis of international legal instruments and relevant doctrines. The results show that civilian combatants are not explicitly recognized in international humanitarian law, thus creating uncertainty in determining their legal status. Furthermore, protection for civilians is conditional and can be temporarily lost when individuals engage in direct participation in hostilities, with limits determined by the principles of distinction and proportionality. These findings confirm that the limits of legal protection are dynamic and depend on individual actions in conflict. The implications of this study indicate the need for strengthened legal interpretation and more consistent implementation to ensure legal certainty and protection for civilians in modern armed conflicts.

Martina Rosmaulina Marbun; Rikki Makkirap Simamora; Kristiana Liliejeri Lase; Cahyaningsih Paskalia Humendru; Sabar Berkat Hulu +2 more

JURNAL ILMIAH PENDIDIKAN KEBUDAYAAN DAN AGAMA 2026 CV. ALIM'SPUBLISHING

This research aims to examine the values contained in Dalihan Na Tolu through the perspective of Christian eschatology and examine its relevance to the mission of the Catholic Church in society. Dalihan Na Tolu as a socio-cultural system of the Batak community contains the values of respect, solidarity, responsibility, and brotherhood which play an important role in building social harmony. This research uses a qualitative method with a library research approach through the collection of data from various books, journals, Church documents, and scientific sources relevant to the research theme. The results of the study show that the values in Dalihan Na Tolu are related to eschatological expectations in the Christian faith, especially in building a life that reflects the love, brotherhood, and fellowship that God wills. In addition, Dalihan Na Tolu also has relevance in the Church's mission as a means of inculturation in the proclamation of the Gospel that is more contextual in the Batak community. Thus, local culture is not seen as an obstacle to faith, but rather as a means that can support the realization of the values of God's Kingdom in common life.

Supian Munawar; Syamsul Maarief; Badruzaman Badruzaman; Endi Suhendi

SIMPATI: Jurnal Penelitian Pendidikan dan Bahasa 2026 CV. Alim's Publishing

The research in this paper aims to explore the concepts and principles of the educational environment from the perspective of the Qur'an and Hadith using a tafsir tarbawi (educational exegesis) approach. The developmental dynamics of human potential, both spiritual and intellectual, do not occur in a vacuum but are heavily influenced by environmental factors (educational ecology). By employing textual, thematic, and contextual analysis methods on several key verses such as QS. Al-Alaq: 1-5, QS. At-Tahrim: 6, QS. Luqman: 13-19, QS. Al-Kahfi: 66-70, and QS. Al-Hujurat: 13 this study maps the Islamic educational ecosystem into several primary domains. The results of the analysis indicate that the Qur'an constructs the educational environment as an integrative macro-systemic unity, comprising the domestic family environment (as a fortress for moral and creedal protection), the formal academic school/pesantren environment (as a space for teacher-student etiquette and ethics), and the socio-communal environment (as an arena for egalitarian multicultural inclusivity). Furthermore, this study formulates five fundamental paradigms of Islamic educational ecology: the integralistic, tawhid (monotheistic), humanistic-egalitarian, gradual-systemic, and transformational-emancipatory paradigms. This theoretical reconstruction corrects Western secular empiricism while simultaneously providing a holistic foundation for educators in managing an educational environment that aligns with divine revelation values and the demands of modern civilization.

Johann Wahyu Hasmoro Prawiro; Ammar Harun Rizki

JURNAL EKONOMI BISNIS DAN MANAJEMEN (JISE) 2026 CV. ALIM'SPUBLISHING

This study aims to explore the meaning of service excellence from the perspective of hotel employees at Kinasih Resort Depok, Indonesia. Most existing research on service excellence has focused on guest satisfaction, leaving the subjective experiences of employees as service providers underexplored. This study employs a qualitative approach with a descriptive phenomenological design. Data were collected through in-depth interviews, participatory observation, and documentation from five purposively selected informants across the F&B Service, Housekeeping, Front Office, Human Resources, and management departments. Data analysis followed Moustakas's phenomenological procedure encompassing epoché, horizonalization, theme clustering, and essence description. Findings reveal that employees construct layered meanings of service excellence according to their hierarchical positions: frontline workers emphasize friendliness and responsiveness, supervisors emphasize speed and problem resolution, while management frames it as a holistic service ethos encompassing internal relationships. Emotional labor emerged as an inevitable dimension managed through collaboration, prioritization, and de-escalation strategies. Organizational factors including training systems, communicative leadership, guest feedback-based evaluation, and managerial attention to employee well-being demonstrably shape how employees internalize service excellence values. This study contributes to employee-centered literature on service excellence and offers practical implications for human resource development in resort contexts.

Rara Dian Setiani; Novi Mubyarto; Ferri Saputra Tanjung; Hansen Rusliani

Jurnal Kajian dan Penalaran Ilmu Manajemen 2026 CV. Aksara Global Akademia

This study aims to analyze the impact of middlemen on the price of Fresh Fruit Bunches (FFB) of oil palm received by farmers in Lambur I Village, Tanjung Jabung Timur Regency, from a sharia economic perspective. This study also examines the FFB marketing patterns carried out by farmers and the factors that influence farmers in choosing where to sell their harvest. The method used is a qualitative approach with a case study research type. Data were obtained through in-depth interviews, field observations, and documentation to understand FFB marketing practices and the socio-economic relationships between farmers and middlemen. The results show that FFB marketing in Lambur I Village is carried out through three main channels: middlemen, the Marketing Chain of Trust (RAM), and palm oil processing factories. Most farmers choose to sell FFB to middlemen because the transaction process is easier, payments are fast, and transportation costs are not required. In addition, urgent financial needs, limited transportation facilities, and long-standing socio-economic relationships also influence farmers' dependence on middlemen. In practice, middlemen play a dominant role in determining prices, deducting approximately Rp 250–Rp 300 per kilogram from the factory price. From a sharia economic perspective, marketing practices through middlemen are essentially permissible as long as they are carried out with mutual consent and do not contain elements of usury, gharar, or injustice. However, the dominance of middlemen in determining prices indicates a bargaining imbalance that could potentially harm farmers, thus not fully reflecting the principle of justice in sharia economics

Indri Basiru; Banafsyah Imanda Safa; Diana Oktavia Kholimah wati; Vidinia Nuansa Citra; Tries Ellia Sandari

Journal of Management and Social Sciences 2026 CV. Aksara Global Akademia

Penelitian ini mengeksplorasi fenomena kecurangan pada PT Dana Syariah Indonesia (DSI) melalui pisau analisis Fraud Triangle milik Donald R. Cressey (1953). Fenomena penyimpangan di PT Dana Syariah Indonesia (DSI) tercatat sebagai skandal keuangan paling masif pada sektor P2P lending berbasis syariah di tanah air. Sepanjang tahun 2018 hingga 2025, kerugian finansial yang ditimbulkan diestimasi menyentuh Rp2,4 triliun dengan total korban mencapai lebih dari 15.000 pemberi dana. Penelitian ini menggunakan metode kualitatif deskriptif dengan pendekatan studi kasus. Data dikumpulkan melalui studi dokumentasi dari berbagai sumber, meliputi laporan resmi OJK, siaran pers Bareskrim Polri, temuan PPATK, serta publikasi berita terverifikasi. Hasil penelitian menunjukkan bahwa ketiga elemen Fraud Triangle terbukti hadir dalam kasus DSI: (1) Tekanan (pressure) berupa kebutuhan likuiditas internal dan target imbal hasil tinggi 16–18% per tahun yang tidak realistis; (2) Kesempatan (opportunity) berupa lemahnya pengawasan OJK terhadap fintech syariah, ketiadaan audit independen yang efektif, dan eksploitasi kepercayaan berbasis label syariah; serta (3) Rasionalisasi (rationalization) berupa pembenaran pelaku dengan menggunakan argumen ekonomi makro dan penyalahgunaan nilai-nilai syariah sebagai perisai. Penelitian ini juga mengintegrasikan perspektif akuntansi forensik sebagai alat deteksi dan pencegahan fraud. Temuan penelitian ini diharapkan menjadi kontribusi ilmiah bagi penguatan regulasi, pengawasan fintech syariah, serta literasi keuangan masyarakat.

Muhammad Shohibul Ma’ali; Nisa Uzzaroh; Intan Dzihriyati; Nurul Hakim

Akhlak : Jurnal Pendidikan Agama Islam dan Filsafat 2026 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

Indonesia is a country rich in cultural diversity, one of which is the Tedak Siten tradition that is still preserved by Javanese communities, including those in Bancar Village. This tradition is not merely a cultural heritage but also contains important educational and spiritual values in community life. This study aims to understand the meaning of the Tedak Siten tradition, identify the educational and spiritual values embedded within it, and analyze it from the perspective of Islam Nusantara. The research employs a qualitative descriptive approach using observation, interviews, and documentation techniques, with informants selected purposively from community members directly involved in the tradition. The findings reveal that Tedak Siten functions as a medium for character education, instilling values such as independence, responsibility, and perseverance from an early age. In addition, the tradition strengthens spiritual values through prayers and expressions of gratitude to Allah SWT. From the perspective of Islam Nusantara, Tedak Siten reflects a harmonious acculturation between local culture and Islamic teachings without contradicting the principle of monotheism. The implications of this study indicate that local traditions can be utilized as contextual learning resources in Islamic education while also serving as a means of preserving valuable cultural heritage. Therefore, Tedak Siten remains relevant not only as a tradition but also as a medium for character building and strengthening religious values in society.

Okta Putri, Ni Putu Clara Devina; Senastri, Ni Made Jaya; Antaguna, Nyoman Gde

DINAMIKA HUKUM 2026 Universitas Stikubank

ABSTRACT There must be a fair and balanced application of the legal rights and responsibilities that arise from the employment relationship between employers and employees. Employers' continued activities of withholding diplomas from workers, even after the employment relationship has ended, may have negative consequences for workers and limit their ability to find new career possibilities. The purpose of this research is to examine the employment agreement's provisions on the parties' respective roles and responsibilities in the workplace, and to determine whether or not employees have any recourse if their employers choose to retain their diplomas even after the job relationship has ended. Normative legal research using conceptual, factual, and regulatory approaches is the study technique used. Holding workers' diplomas is illegal, violates their human rights, and goes against labor laws and regulations, according to the report. Legislation protects employees both preemptively, via government oversight and normative regulation, and punitively, via processes for resolving disputes in industrial relations and the imposition of administrative, civil, and criminal penalties. Companies cannot legitimately withhold diplomas; thus, this practice must end in order to provide legal clarity and respect for workers' dignity. Keywords : Legal Protection, Workers, Diploma.

Seftiani Futri; Talitha Darda Yusna; Ina Nurvina Sopiana; Lina Marlina

Jurnal Ekonomi dan Keuangan Islam 2026 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Digital technology has, in many ways, altered the manner in which businesses function. This transformation touches on aspects like how products are developed, delivered, and sold. It opens up a range of possibilities for business owners to broaden their markets, boost profits, and make better use of online tools. At the same time, however, the digital age introduces certain difficulties. These include increased competition as well as risks related to practices that may conflict with sharia law—for example, charging interest, engaging in transactions with unclear risks, or producing counterfeit goods. The focus of this study is to examine the opportunities and challenges that businesses encounter in today’s digital world, viewed through an Islamic lens. The approach taken involves a review of existing literature, drawing from various sources dealing with digital commerce and Islamic economic principles. The results suggest that digital business ventures hold considerable promise, provided they are conducted with honesty, fairness, and transparency, while avoiding activities disallowed by sharia. This way, entrepreneurs can not only generate income but also develop their enterprises in a way that aligns with ethical and religious values.

Arengga Melati Swandari; Anindi Nurhayati

Filosofi : Publikasi Ilmu Komunikasi, Desain, Seni Budaya 2026 Asosiasi Seni Desain dan Komunikasi Visual Indonesia

Male masculinity is a common theme in advertising. These potrayals often depict men as hardworking, resilient, and physically strong, thereby shaping an ideal male identity. This study uses Sara Mills’ critical discourse analysis perspective to examine the representation of the 2023 Extra Joss advertisement “Laki Buktikan!”. A qualitative descriptive approach is used, with data in the form of visuals, verbal narratives, and slogans that appear in advertising videos accessed via the TikTok application. The analysis will focus on the subjects and objects in the advertisement, the representation of masculinity, the position of the audience, the narrative structure, and the surrounding social context and gender ideology. The result of study show that the advertisement represents masculinity as an identity that must be continuously proven through strength, physical toughness, endurance, and a never-give-up attitude. Failure, defeat, and adversity are not condition that must be passively accepted, but rather condition demanding an active response from men to take concrete action. The advertisement not only promotes product, but also reproduces the ideology oh hegemonic masculinity by linking male self-proving to consuming Extra Joss energy drinks.

Dewi Lestari, Olivia; Fitriani, Fitriani; Lisa Fitriana; Mochammad Isa Anshori

Journal of Management and Social Sciences 2026 CV. Aksara Global Akademia

Transformasi digital menuntut organisasi untuk meningkatkan kompetensi karyawan melalui program pelatihan, namun tingkat partisipasi karyawan sering kali masih rendah meskipun fasilitas telah tersedia secara memadai. Penelitian ini bertujuan untuk menganalisis peran Nudge Theory sebagai strategi dalam memengaruhi perilaku karyawan terhadap partisipasi program pelatihan, dengan fokus pada penerapan Choice Architecture dalam konteks manajemen sumber daya manusia. Penelitian ini menggunakan pendekatan kajian literatur dengan strategi integrative review yang mengkaji berbagai publikasi ilmiah bereputasi terkait Behavioral Economics, human resource development, dan pembelajaran karyawan. Hasil penelitian menunjukkan bahwa intervensi berbasis nudge, seperti pengaturan default, penyederhanaan pilihan, dan penggunaan pengingat kontekstual, secara konsisten mampu meningkatkan partisipasi pelatihan karyawan secara sukarela. Selain itu, efektivitas intervensi tersebut dipengaruhi oleh integrasi dengan faktor motivasi intrinsik yang selaras dengan prinsip Self-Determination Theory. Penelitian ini memberikan kontribusi konseptual berupa kerangka integratif yang menggabungkan perspektif Behavioral Economics dan human resource development, serta menawarkan implikasi praktis bagi HR leaders dalam merancang strategi pembelajaran yang lebih efektif, adaptif, dan berbasis perilaku.

Muhammad Al Ghifari; Muhammad Adjie Ar Rauuf Mikail; Muhammad Ichlas Ramadhan; Andrian Jeremy Marulitua Sigalingging

Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora 2026 Pusat Riset dan Inovasi Nasional

This study examines in depth the responsibility of the Pangkalpinang City Government in maintaining environmental cleanliness. Such responsibility is not merely an administrative obligation but a constitutional mandate as stated in the 1945 Constitution of the Republic of Indonesia. Every citizen, including the people of Pangkalpinang, has the right to live in a clean and healthy environment, while the local government is obliged to ensure the fulfillment of this right. This research analyzes the extent to which the local government has carried out its responsibilities through preventive measures (such as formulating regulations and supervising permits) and enforcement actions (including imposing sanctions and restoring the environment). The findings reveal several obstacles, such as limited budget, weak inter-agency coordination, and low public awareness regarding environmental cleanliness. Therefore, although the legal framework is well established, strong commitment, synergy, and continuous efforts from all stakeholders are required to realize a clean and sustainable Pangkalpinang City.

Rafi Azmi; Nia Dalilla

Jurnal Ilmu Pertahanan, Politik dan Hukum Indonesia 2026 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

This study aims to analyze the criminalization of juvenile victims of drug abuse from a victimology perspective in Indonesia. The research method used is normative legal research with a descriptive approach, conducted through library research on primary and secondary legal materials. The results show that in law enforcement practices, juveniles involved in drug abuse are often treated as offenders and processed through the criminal justice system. A case study in Surabaya reveals that juveniles who should have been recommended for rehabilitation were instead sentenced to imprisonment. From a criminological perspective, juvenile involvement is influenced by environmental factors, peer pressure, and weak family supervision. In the victimological perspective, these juveniles should be viewed as victims who require protection and rehabilitation. Therefore, a paradigm shift in the criminal justice system is needed, emphasizing a rehabilitative approach and legal protection for juveniles. This approach can reduce stigma and support a more effective rehabilitation process, with the hope of helping children's psychological and social recovery.

Ahmad Irfansyah Rosyadi; Salsabila Syifana Alkamila; Khairun Nisa; Hapip Udin; Fadhil Rozin Asyam

Deposisi: Jurnal Publikasi Ilmu Hukum 2026 International Forum of Researchers and Lecturers

Prodeo legal aid is one of the ways in which the state fulfils its responsibility to guarantee access to justice for economically disadvantaged members of the public. However, its implementation still faces challenges, particularly budgetary constraints, meaning that not all applications for prodeo legal aid can be processed. This issue arises in Industrial Relations Court (PHI) cases at the Banjarmasin District Court. This study aims to examine the implementation of prodeo services in PHI cases and to analyse these budgetary constraints from a constitutional law perspective. The methodology employed is a normative legal approach with an empirical focus, utilising a review of legislation, interviews, observations, and a literature review. The research findings indicate that prodeo is a service for litigation at no cost, funded by the state through the State Budget Allocation (DIPA). In 2025, a budget of Rp. 33,728,000 was only sufficient to handle 13 cases, meaning the service depends on the availability of funds. This situation reflects a gap between the constitutional guarantee of access to justice and practice on the ground. Therefore, improvements are needed in budget planning, allocation, and management, as well as the strengthening of the role of Legal Aid Posts and Legal Aid Institutions to enhance access to justice for the underprivileged.

Desak Kadek Era Dewi Susanti; Ni Putu Rai Yuliartini; Dewa Gede Sudika Mangku

Mahkamah : Jurnal Riset Ilmu Hukum 2026 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

This research aims to examine the provisions and status of probation as a principal punishment in the National Criminal Code, as well as its relevance to achieving the objectives of reforming the penal system in Indonesia. The research design employed is normative legal research using a legislative and conceptual approach. The data utilized consists of secondary data obtained through a literature review, analyzed using qualitative descriptive techniques. The results of the research show that probation under Law No. 1 of 2023 on the Criminal Code has been established as one of the principal penalties that can be directly imposed by a judge, thus no longer merely a component of conditional sentences as in the old Criminal Code. This regulation reflects a paradigm shift in sentencing from a retributive approach toward a rehabilitative and restorative approach by providing offenders with the opportunity to remain within the community under supervision. However, its implementation still faces challenges, including the absence of comprehensive technical regulations, potential conflicts of norms, and institutional limitations in carrying out supervision. Therefore, supervised probation holds significant relevance as a more humane sentencing alternative, although it requires strengthened regulations and a supervision system to ensure its effective and consistent application.

Khofifah, Nurul; Budoyo, Sapto; Lathifah, Nadea

DINAMIKA HUKUM 2026 Universitas Stikubank

ABSTRACT Family dynamics such as prolonged conflicts, the existence of domestic violence, divorce, and the absence of one parent figure in the family, have become international issues. Children are often victims of parental problems. Parents often vent their emotions to their children in the form of verbal and non-verbal violence. There are still many parents who think that educating children with violence is a way to discipline children. In this study, the approach method applied is a normative juridical approach by examining data obtained from books, journals, the internet, laws and regulations, or scientific papers related to this writing. Based on the results of the study, we know that by 2025, Indonesia will have recorded 2,416 cases of violence committed by parents, based on data that occurred during the official SIMFONI-PPA period.  Children have the right to be able to live a prosperous life and be guaranteed their growth and development in the future. But in practice, parents are still very irresponsible for it. In overcoming these problems, the Indonesian government and the international community have made efforts with regulations and institutions related to the protection of children's rights. Therefore, it can be concluded that this study emphasizes the importance of improving the protection of children's rights in family dynamics based on the framework of Indonesian and International Law.   Keywords: family dynamics, protection of children's rights, challenges and obstacles.

Ni Nengah Eilsa Ayu Mediana

Pemuliaan Keadilan 2026 Asosiasi Penelitian dan Pengajar Ilmu Hukum Indonesia

Adoption is an act of adopting a child which, according to legal regulations, transfers the rights and responsibilities of the child from their biological parents to their adoptive parents. This study aims to examine the legal framework governing the legal determination of adopted children. This research was conducted using a juridical-normative research approach. This study focuses on reviewing the status of an adopted child, including their position in obtaining inheritance rights, using a review of the Civil Code and other applicable regulations. Based on the analysis that has been carried out, the position or status of a child adopted by adoptive parents has a legal status if it is carried out through applicable legal procedures, which means that the child has equal rights to biological children. This research is expected to contribute to providing references for firmness in family law that is more certain and does not harm any party.

Najwa Hasyifa; Elifia Dwi Utami; Rizky Afifah Alfi; Widia Azhari Saputri; Nabila Az Zahra +3 more

Jurnal Riset Rumpun Matematika dan Ilmu Pengetahuan Alam 2026 Pusat riset dan Inovasi Nasional

Eukaryotic microorganisms, particularly fungi and protists, play a vital role in ecosystems, as well as in microbiology studies and biology education. The complex structure of eukaryotic cells, such as a true nucleus and membrane-bound organelles, enables these two groups to perform diverse physiological functions and adapt to their environments. This study aims to synthesize the literature on the structure and function of eukaryotic cells in fungi and protists and their implications for biology learning. The method used is a literature review with a descriptive qualitative approach through analysis of relevant scientific sources. The results of this study indicate that understanding the structure of eukaryotic cells in fungi and protists is not only important in the context of microbiology but also contributes to strengthening understanding of the concept of cell structure and function and making biology learning more contextual and meaningful.

Heilya Nediva; Masni Marshanda Butar Butar

jurnal Riset Rumpun Agama dan Filsafat 2026 Pusat Riset dan Inovasi Nasional

The development of digital technology has transformed information consumption patterns, including within the realm of spiritual belief. Generation Z, as the generation born and raised in a digital world the digital ecosystem, exhibits new tendencies in understanding and internalizing noble values through various digital platforms. This study aims to analyze the consumption patterns of virtual content among Generation Z from the perspective of adherents of indigenous beliefs in the One Supreme God (Penghayat Kepercayaan terhadap Tuhan Yang Maha Esa), and to examine its implications for modern forms of spirituality. The method used in this study is a literature review with a descriptive qualitative approach, focusing on theoretical studies concerning digital religiosity, media literacy, and spiritual individualization. The results of the study show that digital media, especially platforms like YouTube, Instagram, and Podcasts, have become an alternative space for Generation Z to explore and express spiritual values independently, interactively, and contextually. This phenomenon also presents challenges in the form of the spread of unverified information and the potential to distort facts regarding the authenticity of the teachings of the belief. Therefore, spiritual digital literacy is needed to guide Generation Z to remain critical, rational, and selective in consuming religious content in the digital space.

Floren Sartika Ayu Humendru; Palupiningtyas, Dyah

Jurnal Ilmiah Serat Acitya 2026 Universitas 17 Agustus 1945

Transformasi digital dalam sistem pembayaran telah mengubah lanskap pengelolaan keuangan Usaha Mikro, Kecil, dan Menengah (UMKM). Penelitian ini bertujuan mengeksplorasi pengaruh penggunaan pembayaran digital terhadap praktik pengelolaan arus kas dan transparansi keuangan UMKM. Pendekatan kualitatif dengan desain studi kasus multipel diterapkan, melibatkan 14 pemilik/manajer UMKM di Kota Semarang yang dipilih melalui purposive sampling. Data dikumpulkan melalui wawancara semi-terstruktur, observasi non-partisipan, dan analisis dokumen, kemudian dianalisis menggunakan kerangka Miles, Huberman, dan Saldaña. Hasil penelitian mengungkapkan bahwa pembayaran digital mentransformasi pengelolaan arus kas melalui percepatan settlement (85,7%), otomatisasi pencatatan (92,8%), dan peningkatan efisiensi biaya (78,6%). Transparansi keuangan meningkat melalui ketersediaan audit trail digital (100%), pemisahan keuangan pribadi-usaha (71,4%), dan akurasi pencatatan (85,7%). Permintaan pelanggan dan kemudahan penggunaan menjadi pendorong utama, sementara gangguan konektivitas dan keterbatasan literasi digital menjadi penghambat. Penelitian ini memperkaya literatur adopsi fintech dengan perspektif kualitatif mengenai dampak pasca-adopsi pembayaran digital terhadap pengelolaan keuangan UMKM.