https://journal.literasisainsnusantara.com/index.php/tacit/issue/feed Technology and Society Perspectives (TACIT) 2026-10-19T13:07:10+00:00 Abu Muna Almaududi Ausat tacit.journal@literasisainsnusantara.com Open Journal Systems <p><strong>Technology and Society Perspectives (TACIT)</strong> is a reputable academic journal that serves as a platform for the comprehensive exploration of the intricate interplay between technology and society. Through its rigorous examination of this relationship, <strong>TACIT</strong> offers insightful analyses, encourages critical thinking, and presents diverse multidisciplinary viewpoints on the profound and multifaceted influences stemming from technological advancements. By delving into the social, cultural, political, and economic ramifications of technological progress, the journal fosters a nuanced understanding of the reciprocal interactions between technology and societal forces. Employing a holistic approach, <strong>TACIT</strong> endeavors to unravel the intricate mechanisms through which technology both shapes and is shaped by the intricate tapestry of social dynamics across a myriad of global and local contexts. As a result, the journal stands as a beacon for scholars, policymakers, and thinkers alike, seeking to navigate the intricate landscape where technology and society converge.</p> https://journal.literasisainsnusantara.com/index.php/tacit/article/view/377 Social Commerce and MSME Development in the Digital Economy 2026-09-09T10:24:55+00:00 Budi Sunarso sunarsobudi77@gmail.com Fahrina Mustafa fahrina_mustafa@fe.unhas.ac.id Lili Fadli Muhamad lili.fadli@ibm.ac.id <p>This study analyzes the development of social commerce as an emerging trend in digital marketing and examines its opportunities and challenges for MSME development in the digital economy. A Systematic Literature Review (SLR) was conducted on 30 articles published between 2020 and 2026, selected using PRISMA 2020 and analyzed through the Theory–Context–Characteristics–Methodology (TCCM) framework and thematic synthesis. The findings show that social commerce has evolved from a promotional and transactional channel into a marketing capability that integrates technology, social interaction, content, trust, and customer relationships. For MSMEs, social commerce creates opportunities to expand market reach, strengthen customer engagement, enhance brand development, and improve competitiveness. However, these benefits are constrained by digital capabilities, organizational readiness, security, privacy, platform dynamics, and competition. The study emphasizes that technology adoption alone is insufficient; MSMEs need to develop social commerce capabilities to transform digital interactions into marketing value, business performance, and sustainable business development.</p> 2026-09-18T00:00:00+00:00 Copyright (c) 2026 Technology and Society Perspectives (TACIT) https://journal.literasisainsnusantara.com/index.php/tacit/article/view/362 The Role of Data Governance in Enhancing Government Transparency and Accountability 2026-07-31T15:28:15+00:00 Jeffriansyah Dwi Sahputra Amory jeffriamori77@gmail.com <p>This study aims to analyze the role of data governance in enhancing government transparency and accountability, as well as to identify the factors that support its implementation. The research employs a literature review method with a qualitative approach and descriptive analysis. Data were collected from Google Scholar, ScienceDirect, and various documents published by international organizations and credible government institutions during the period 2017–2026. The initial search process yielded 60 articles and documents, which were subsequently screened based on relevance, quality, and alignment with the research objectives, resulting in 49 sources being included in the analysis. Data analysis was conducted through thematic categorization, identification of key concepts, comparison of research findings, and interpretation. The results indicate that data governance plays a significant role in improving data quality, strengthening public information disclosure, reducing information asymmetry, and supporting government oversight and accountability processes. The findings also reveal that the successful implementation of data governance is influenced by policy quality, human resource capacity, and the level of information system integration across government agencies</p> 2026-08-07T00:00:00+00:00 Copyright (c) 2026 Technology and Society Perspectives (TACIT) https://journal.literasisainsnusantara.com/index.php/tacit/article/view/390 Optimizing Good Halal Governance in the Halal Industry Through the Implementation of Law No. 33 of 2014 2026-10-12T04:55:25+00:00 Linda Novianti lindanovianti99999@gmail.com Nanang Naisabur nanangnasibura@gmail.com Vinna Sri Yuniarti vinna134790@gmail.com Fitri Wahyuni fitriw11@gmail.com <p>This study examines the implementation of Law No. 33 of 2014 and its contribution to optimising Good Halal Governance in Indonesia. Using qualitative normative legal research, the study analyses relevant legislation and academic literature through statutory and conceptual approaches. The findings identify three interconnected governance dimensions: normative, institutional, and implementation. The normative dimension emphasises legal certainty and regulatory coherence, while the institutional dimension highlights coordination, accountability, and clearly defined responsibilities. The implementation dimension concerns certification accessibility, verification, and continuous supervision. Although Indonesia has established a substantial legal framework, previous studies report challenges involving institutional coordination, regulatory literacy, and administrative procedures. This study proposes an integrated governance framework combining regulatory transparency, digital certification, institutional collaboration, human resource development, MSME assistance, and risk-based supervision. Its contribution lies in connecting legal obligations, institutional arrangements, and implementation mechanisms to strengthen halal assurance, consumer protection, and governance accountability within Indonesia's evolving halal regulatory system.</p> 2026-10-12T00:00:00+00:00 Copyright (c) 2026 Technology and Society Perspectives (TACIT) https://journal.literasisainsnusantara.com/index.php/tacit/article/view/372 Theoretical Analysis of Artificial Intelligence Integration in Smart City Management Systems 2026-08-19T06:17:52+00:00 Muhammad Ade Kurnia Harahap adekur2000@gmail.com Suherlan suherlan@unsub.ac.id <p>This study aims to theoretically analyze the integration of AI into smart city management systems and identify the mechanisms, benefits, challenges, and conditions required to ensure that its implementation generates sustainable public value. The study employs a qualitative literature review approach by analyzing 25 scientific articles selected from 50 articles identified through the literature search and selection process. The analysis was conducted through the identification, categorization, comparison, and thematic synthesis of findings from previous studies. The synthesis results indicate that AI can function as an enabling technology that strengthens smart city management through data integration, predictive analytics, service automation, resource optimization, and improved decision-making. However, the effectiveness of AI integration is influenced by digital infrastructure readiness, data quality, human resource capabilities, system interoperability, governance, security, privacy, and ethical considerations. Theoretically, AI integration in smart cities should be understood as a socio-technical process that connects technology, organizations, government, and society in the creation of public value.</p> 2026-08-27T00:00:00+00:00 Copyright (c) 2026 Technology and Society Perspectives (TACIT) https://journal.literasisainsnusantara.com/index.php/tacit/article/view/383 Digital Transformation of Public Procurement through SiRUP and E-Procurement: Supporting Good Governance in Papua Pegunungan 2026-09-20T08:09:35+00:00 Andi Cahyono andi.jwy@gmail.com Soltan Takdir soltantakdir@unaim-wamena.ac.id Entar Sutisman entar@gmail.com Syarifah syarifahunaim@gmail.com <p>Previous studies have generally examined SiRUP and e-Procurement separately, while limited research integrates both as a digital procurement transformation process in newly autonomous regions facing geographical and sociocultural constraints. This study analyzes their implementation and contribution to Good Governance in Papua Pegunungan Province. A descriptive-explanatory qualitative case study was conducted using observation, documentation, and semi-structured interviews with eleven purposively selected informants. Data were analyzed through condensation, presentation, verification, and NVivo-supported coding. The findings show that SiRUP supports transparency in procurement planning, while e-Procurement strengthens documentation, efficiency, accountability, and competition. However, implementation remains partial due to incomplete procurement plans, manual processes, limited human resources, connectivity, facilities, budgets, and institutional capacity. The study contributes an adaptive digital procurement perspective by identifying geographical and sociocultural conditions as contextual factors that interact with Edwards III’s communication, resources, disposition, and bureaucratic structure dimensions in shaping digital procurement implementation.</p> 2026-09-29T00:00:00+00:00 Copyright (c) 2026 Technology and Society Perspectives (TACIT) https://journal.literasisainsnusantara.com/index.php/tacit/article/view/368 The Meaning of Professional Branding Among Millennial Farmers: A Phenomenological Study in Tegal Regency, Indonesia 2026-08-07T06:46:17+00:00 Nita Rosalina Mauldini nita24003@mail.unpad.ac.id Evi Novianti evi.novianti@unpad.ac.id Toto Sugito toto.sugito@unpad.ac.id <p>This study examines how millennial farmers construct the meaning of professional agricultural branding through their everyday communication experiences. Grounded in Alfred Schutz’s phenomenological perspective, the study involved nine purposively selected millennial farmers aged 30–38 in Tegal Regency, Central Java. Interview, observation, and documentary data collected in May 2026 were analysed through epoché, phenomenological reduction, and imaginative variation. The findings indicate that decisions to pursue farming are shaped by the interplay between because-motives and in-order-to motives. Farming is understood through economic, ideational, affective, and self-actualising dimensions, while occupational stigma is addressed through five communicative branding strategies. Unlike previous studies focusing on digital self-presentation or outsiders’ perceptions, this study reconstructs occupational branding from farmers’ lived experiences. The findings demonstrate that individual branding can serve as an instrument for repositioning farming as a valuable collective profession. The resulting stigma-to-strategy model offers implications for farmer regeneration policies, agricultural extension, and the strengthening of both digital and face-to-face communication.</p> 2026-08-19T00:00:00+00:00 Copyright (c) 2026 Technology and Society Perspectives (TACIT) https://journal.literasisainsnusantara.com/index.php/tacit/article/view/381 Beyond the Plantation Boundary: Community Oil Palm Partnerships, Smallholder Inclusion, and Rural Economic Development—A Review Anchored in PT Minamas Plantation, Indonesia 2026-09-20T08:05:41+00:00 Loso Judijanto losojudijantobumn@gmail.com <p>Indonesia’s oil palm sector contributes substantially to rural livelihoods, yet smallholders continue to face constraints related to productivity, finance, institutional capacity, certification, and bargaining power. This qualitative literature review examines how company–community oil palm partnerships can support inclusive rural development, using PT Minamas Plantation’s emerging initiatives as a case anchor. Literature published primarily during 2020–2026 was synthesized across partnership governance, livelihoods, farmer organizations, productive capability, finance, replanting, certification, and sustainability. The findings show that partnership benefits are conditional rather than automatic and depend on transparent governance, capable farmer organizations, technical support, appropriate financing, market access, and environmental safeguards. The study proposes the Inclusive Partnership-to-Prosperity Framework (IPPF) as a literature-derived analytical framework linking partnership resources, governance mediators, operational mechanisms, household outcomes, and community outcomes. Because Minamas initiatives remain recent, the framework provides propositions for future longitudinal evaluation rather than evidence of demonstrated causal impacts on shared prosperity and rural resilience.</p> 2026-09-29T00:00:00+00:00 Copyright (c) 2026 Technology and Society Perspectives (TACIT) https://journal.literasisainsnusantara.com/index.php/tacit/article/view/365 Challenging Native-Speakerism in Academic Discourse: A Cor-pusBased Critical Discourse Analysis of Language Education Research 2026-07-31T15:43:58+00:00 Yulian Purnama yulianpurnama@uinsaizu.ac.id I Nyoman Sudiana nyoman.sudiana@undiksha.ac.id <p>This study examines the representation of NS/NNS terminology in language education research using a corpus-based critical discourse analysis. The corpus consisted of 94 English-language journal articles published between 1994 and 2026. Quantitative corpus techniques, including frequency, collocation, concordance, and semantic prosody analyses, were integrated with Fairclough's three-dimensional critical discourse analysis framework. The findings reveal four major patterns. First, over 70% of native speaker occurrences are used descriptively without conceptual clarification, indicating their naturalization within academic writing. Second, only 3.1% of the occurrences explicitly challenge the traditional NS/NNS dichotomy. Third, a clear contradiction exists between researchers' critical perspectives on native-speakerism and their continued use of conventional terminology in empirical reporting. Finally, only around 10% of the analyzed articles adopt alternative conceptual frameworks, demonstrating that conceptual transformation remains limited. These findings indicate that academic discourse functions not only as a site of critical reflection but also as a mechanism for reproducing native-speakerist ideology. The study highlights the need for greater critical language awareness, more inclusive terminology, and institutional support to advance the decolonization of English language education.</p> 2026-08-07T00:00:00+00:00 Copyright (c) 2026 Technology and Society Perspectives (TACIT) https://journal.literasisainsnusantara.com/index.php/tacit/article/view/379 A Spatial Analysis of Land Cover Change and Its Impact on Carbon Stocks in Majalengka Regency, West Java, Indonesia 2026-09-16T08:17:38+00:00 Sodikin sodikinn@ecampus.ut.ac.id Joel Osei-Asiamah Osei-Asiamah@gmail.com <p>This study aims to analyze land cover dynamics and carbon stock changes from 2017 to 2024 and to identify spatial patterns of carbon loss and gain. The analysis utilized Google Dynamic World—based on Sentinel-2 imagery—on the Google Earth Engine platform at a 10-meter resolution. Land cover was analyzed for the years 2017, 2021, and 2024 across eight classification categories. Temporal composites were generated using the mode method, followed by ground-truthing to verify the accuracy of the interpretation against actual field conditions. Carbon stocks were calculated based on the area of each land cover class and specific carbon stock constants, while spatial changes were determined by calculating the difference in carbon values between years at the pixel level. The results indicate that tree cover and agriculture are the dominant land cover types. The area of tree cover increased from 63,434.59 ha in 2017 to 65,114.72 ha in 2021, before declining to 60,716.49 ha in 2024. Carbon stocks rose to 11,733,128.29 tonnes of C in 2021 and subsequently fell to 11,061,552.19 tonnes of C in 2024. These findings provide a spatial basis for vegetation protection, the management of land cover changes, and the prioritization of rehabilitation efforts to support climate change mitigation in Majalengka Regency.</p> 2026-10-18T00:00:00+00:00 Copyright (c) 2026 Technology and Society Perspectives (TACIT) https://journal.literasisainsnusantara.com/index.php/tacit/article/view/363 Live Commerce as a Digital Marketing Innovation for MSMEs: The Role of Interactivity and Consumer Trust in Enhancing Purchase Intention 2026-07-31T15:34:54+00:00 Imam Jayanto imamjay_anto@unsrat.ac.id Wahyuni Sri Astutik wahyunisriastutik@gmail.com Muhammad Yusuf muhammadyusufstiami@gmail.com <p>This study aims to analyze the role of live commerce as a digital marketing innovation for MSMEs by examining the influence of interactivity and consumer trust on purchase intention. The study employed a literature review method using a qualitative approach and descriptive analysis. Data were collected from Google Scholar, ScienceDirect, and relevant reports published by international organizations covering the period from 2010 to 2026. The initial search identified 50 publications, which were subsequently screened based on relevance, quality, and alignment with the research objectives, resulting in 41 articles selected for analysis. The findings indicate that interactivity serves as a key stimulus for increasing consumer engagement, while consumer trust reduces perceived risk and encourages purchase intention. The success of live commerce is influenced more by communication quality, information transparency, and seller credibility than by technological features alone. A limitation of this study is its reliance on secondary data; therefore, the findings depend on the quality of the reviewed literature and are not supported by direct empirical evidence. The findings are expected to enrich the digital marketing literature and provide practical insights for MSMEs in developing more adaptive marketing strategies.</p> 2026-08-07T00:00:00+00:00 Copyright (c) 2026 Technology and Society Perspectives (TACIT) https://journal.literasisainsnusantara.com/index.php/tacit/article/view/392 The Dialectics of Ratib Samman Practices in Pulau Tengah, Kerinci Regency: A Living Qur'an Study 2026-10-18T18:33:01+00:00 Amalia Kamal kamalamalia701@gmail.com Oga Satria satriaoga@gmail.com Helmina Helminaamin@gmail.com Nurasiah asiahnur2824@gmail.com <p>This study examines how the Ratib Samman tradition is preserved and contested through Qur'anic interpretation in Pulau Tengah, Kerinci, Indonesia. Using a qualitative Living Qur'an approach, data were drawn from four personal interviews, local written documentation, observations, and relevant literature. The findings reveal that Ratib Samman, locally known as lataik goak, serves as a collective devotional practice that strengthens spiritual commitment, communal solidarity, and religious identity. Practitioners invoke Qur'an 3:191 to explain standing dhikr, whereas critical arguments emphasize humility and moderation in remembrance through Qur'an 7:205, Qur'an 17:110, and hadith. These interpretations reveal a distinction between the general scriptural encouragement of dhikr and the justification of specific ritual procedures. Local historical narratives also contain chronological inconsistencies requiring further verification. The study contributes to Living Qur'an scholarship by showing how inherited religious authority, community experience, and competing scriptural interpretations shape the continuity and contestation of a local Islamic religious tradition.</p> 2026-10-20T00:00:00+00:00 Copyright (c) 2026 Technology and Society Perspectives (TACIT) https://journal.literasisainsnusantara.com/index.php/tacit/article/view/373 The Role of AI and Content Creativity in Building Brands and Enhancing MSME Competitiveness in the Digital Era 2026-08-21T02:06:11+00:00 Nugrahini Susantinah Wisnujati wisnujatinugrahini@uwks.ac.id Anindya Prastiwi Setyowati anindya.prastiwi@uwks.ac.id Adiputro Wijoyo Kusumo adiputrowk31@gmail.com <p>The development of Artificial Intelligence (AI) and digital transformation has created new opportunities for Micro, Small, and Medium Enterprises (MSMEs) to enhance their marketing capabilities, content creativity, and brand building. This study aims to analyze the role of AI and content creativity in building brands and enhancing MSME competitiveness in the digital era. The study employs a qualitative literature review approach by analyzing 20 scholarly articles published between 2018 and 2026. The literature was obtained from Scopus, Web of Science, Google Scholar, and international journal publisher platforms, and was subsequently selected based on the PRISMA 2020 principles and analyzed using descriptive-thematic synthesis. The findings indicate that AI functions as an enabling capability that supports consumer analysis, personalization, automation, ideation, and content production. The integration of AI with human creativity can generate more relevant, engaging, and adaptive content, thereby strengthening brand awareness, brand image, brand association, and brand equity. Stronger brands subsequently contribute to MSME differentiation and competitive advantage. The findings emphasize the importance of human–AI collaboration in developing sustainable competitiveness.</p> 2026-08-27T00:00:00+00:00 Copyright (c) 2026 Technology and Society Perspectives (TACIT) https://journal.literasisainsnusantara.com/index.php/tacit/article/view/387 Carrying Sarawak Home: Malaysian Malay Code-Mixing in the Indonesian Speech of Returned Migrant Workers from Sambas Regency, West Kalimantan 2026-10-09T03:19:17+00:00 Riska Wahyuni riskawahyuni83@yahoo.com Lilis Listiyawati listiyawatililis@gmail.com Setya Aristu Pranoto setyaaristu@gmail.com <p>Research on migrant language contact often emphasizes interference rather than the relationship between linguistic forms and social meanings after migration. This study examines Malaysian Malay code-mixing among returned Indonesian migrant workers in Sambas Regency. Using a qualitative sociolinguistic approach, data were collected through observation and interviews across three locations. The corpus comprised 25 utterances, including seven observed and eighteen interview-derived examples. Findings revealed lexical insertions, phrase-level expressions, and multiple Malaysian Malay elements within Indonesian speech. Although insertion was prominent, several utterances suggested structural overlap between closely related varieties. Participants reported three motivations: solidarity with fellow returnees, identity-related self-presentation, and residual linguistic habits. English-derived vocabulary and words with divergent meanings also appeared. The study contributes an integrated perspective connecting linguistic structures, migration experiences, and social interpretations. However, the limited corpus and predominance of interview-derived examples restrict conclusions about spontaneous language use and broader social meanings.</p> 2026-10-18T00:00:00+00:00 Copyright (c) 2026 Technology and Society Perspectives (TACIT) https://journal.literasisainsnusantara.com/index.php/tacit/article/view/371 Artificial Intelligence as an Enabler of Digital Economic Transformation toward Sustainable MSMEs: A Qualitative Literature Review 2026-08-15T06:29:45+00:00 Ahmad Wimbo Helvianto wimbo@poltekapp.ac.id Renny Kurniawati rennykay@kemenperin.go.id Intan Maria Lewiayu Vierke intan@kemenperin.go.id Disma Prasaja dismaprasaja@poltekapp.ac.id Rinandita Wikansari rinandita-w@kemenperin.go.id <p>This study aims to analyze the role of AI as an enabler of digital economic transformation and synthesize the mechanisms linking AI utilization with sustainable MSME development. The study employs a qualitative literature review approach with descriptive-thematic analysis. The literature was obtained from Google Scholar, Scopus, Web of Science, and academic publisher platforms, covering publications from 2019 to 2026. Of the 50 articles identified, 25 articles were selected based on relevance, publication quality, topic alignment, and availability of information for the final synthesis. The findings indicate that AI serves as an enabling technology that strengthens digital transformation through automation, data analysis, prediction, personalization, and decision-making support. These capabilities enhance efficiency and innovation, which subsequently strengthen adaptability, competitiveness, and resilience while contributing to economic, social, and environmental sustainability. The benefits of AI depend on AI literacy, human resources, organizational readiness, infrastructure, data quality, and responsible governance. This study emphasizes that AI is an organizational capability enabler that can support long-term value creation and MSME sustainability.</p> 2026-08-24T00:00:00+00:00 Copyright (c) 2026 Technology and Society Perspectives (TACIT) https://journal.literasisainsnusantara.com/index.php/tacit/article/view/382 Publicly Built, Commercially Governed? The Fiscal Genealogy of Indonesia's State-Owned Enterprises and the Governance Challenge of Danantara 2026-09-20T08:06:59+00:00 Loso Judijanto losojudijantobumn@gmail.com <p>Existing studies examine state-owned enterprise (SOE) performance, governance, fiscal risk, and commercialization without sufficiently reconnecting governance to the historical public resources and institutional arrangements that enabled asset formation. This qualitative literature review addresses that gap by developing fiscal genealogy as an analytical perspective on Indonesian SOEs. Drawing primarily on peer-reviewed literature from 2020–2026 and historical financing records, the study examines Telkom, PLN, and PGN as illustrative rather than representative cases and situates them within Indonesia’s restructuring of state ownership under Danantara. The synthesis shows that historical public support does not justify permanent inefficiency, while commercialization does not eliminate public accountability for strategic assets. Centralized ownership may improve management, capital allocation, and risk oversight, but also heightens transparency and governance requirements. The study proposes a literature-derived Public Capital Stewardship Framework integrating historical public capital, public value and mandates, and fiscal and governance risk as an interpretive basis for future empirical evaluation.</p> 2026-09-29T00:00:00+00:00 Copyright (c) 2026 Technology and Society Perspectives (TACIT) https://journal.literasisainsnusantara.com/index.php/tacit/article/view/367 The Effects of Firm Size and Leverage on Profitability: Empirical Evidence from Textile and Garment Manufacturing Companies Listed on the Indonesia Stock Exchange, 2020–2025 2026-07-31T15:50:17+00:00 Hizbul Khootimah Az Zaakiyyah azzaakiyyah@gmail.com Nita Laila Asyifa nit.asyifa19@gmail.com Putri Pramestiwi Kusumojati putripramestiwi@gmail.com <p>This study examines the effects of firm size and leverage on the profitability of textile and garment manufacturing companies listed on the Indonesia Stock Exchange (IDX) during the 2020–2025 period. A quantitative approach employing an explanatory research design was adopted using secondary data obtained from the companies' annual financial statements. The sample consisted of 76 firm-year observations selected through purposive sampling. Data were analyzed using descriptive statistics, classical assumption tests, and multiple linear regression analysis. The findings reveal that both firm size and leverage have positive and statistically significant effects on profitability, measured by Return on Assets (ROA). Furthermore, leverage demonstrates a stronger influence on profitability than firm size. These findings support the Resource-Based View and Trade-Off Theory, suggesting that effective resource utilization and optimal capital structure management contribute to improved corporate financial performance. The study provides practical implications for corporate managers in optimizing asset utilization and financing decisions to enhance profitability while offering valuable insights for investors in evaluating corporate financial performance and making investment decisions.</p> 2026-08-07T00:00:00+00:00 Copyright (c) 2026 Technology and Society Perspectives (TACIT) https://journal.literasisainsnusantara.com/index.php/tacit/article/view/380 Deconstructing the Connectivity of the Equator City Branding as an Instrument of Public Policy Communication with Tourism Infrastructure Development in Pontianak 2026-09-18T06:37:07+00:00 Heriyanto heriyanto.radien@gmail.com Zulkifli zulkifli67@yahoo.com Fajar Aminullah fajaraminullah@polnep.ac.id <p>City branding can function as public policy communication when a shared urban identity is translated into planning and physical development. This study examines how Pontianak’s “Equator City” identity is interpreted and translated into tourism infrastructure across local government institutions. Using a qualitative case study, data were drawn from semi-structured interviews with three institutionally positioned informants from BAPERIDA, PUPR, and Disporapar, supported by local planning documents. The findings reveal an institutional interpretation gap: although the three agencies broadly share the symbolic meaning of Equator City, they attach different operational meanings to it according to their institutional mandates. Infrastructure may therefore substantively support the city’s identity without being intentionally designed to communicate it. The study also distinguishes procedural coordination from substantive coordination, showing that routine inter-agency collaboration does not necessarily produce a shared interpretation of city identity. These findings highlight intra-governmental interpretation as an important link between city branding, public policy communication, and infrastructure development.</p> 2026-09-25T00:00:00+00:00 Copyright (c) 2026 Technology and Society Perspectives (TACIT) https://journal.literasisainsnusantara.com/index.php/tacit/article/view/364 The Influence of Financial Literacy on Financial Behavior and Borrowing Intention from Online Loans/P2P Lending 2026-07-31T15:37:31+00:00 Garin Pratiwi Solihati garin@mercubuana.ac.id Fitri Indriawati fitri_indriawati@mercubuana.ac.id <p>This study aims to examine the effect of financial literacy on financial behavior and borrowing intention through peer-to-peer (P2P) lending services, as well as to investigate the mediating role of financial behavior. The study is motivated by the rapid growth of digital lending services, which have expanded access to financial resources while simultaneously increasing potential financial risks, particularly among university students. This research employed a quantitative approach with a causal associative research design. Data were collected through questionnaires distributed to university students with prior experience using P2P lending services and were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The findings indicate that financial literacy has a positive effect on both financial behavior and borrowing intention. Financial behavior also has a positive effect on borrowing intention and partially mediates the relationship between financial literacy and borrowing intention. These findings suggest that improving financial literacy should be accompanied by the development of healthy financial behavior to promote more rational, responsible, and sustainable use of P2P lending services.</p> 2026-08-07T00:00:00+00:00 Copyright (c) 2026 Technology and Society Perspectives (TACIT) https://journal.literasisainsnusantara.com/index.php/tacit/article/view/399 Comparison of Single Expert and Fuzzy Group Decision Making in Fuzzy SAW 2026-10-19T13:07:10+00:00 Eka Putri Rachmawati ekapu2tt@gmail.com Muhammad Basyier Ardima mba@gmai.com Mochamad Idris mi@gmail.com Ardian Fakhru Rosyad afr@gmail.com <p>This study compares single-expert and group-based criterion weighting in a Fuzzy Simple Additive Weighting (Fuzzy-SAW) decision support system for student ranking. Data from 116 students across four classes at a Nahdlatul Ulama-affiliated Madrasah Aliyah were evaluated using academic, attendance, and extracurricular criteria. The Single Expert (SE) approach was compared with Fuzzy Group Decision Making (FGDM), involving four equally weighted experts. Linguistic judgments were converted into Triangular Fuzzy Numbers, while missing attendance values were imputed as 75. Both approaches used identical data and normalization procedures. Results showed near-perfect ranking agreement between SE and FGDM (Spearman's rs = 0.9964; MAE = 0.35 positions). Correlations with academic report rankings were 0.8063 and 0.8092, respectively. These findings demonstrate limited ranking changes following expert aggregation, rather than proven improvements in accuracy or bias reduction. The study provides a controlled methodological comparison, although its generalizability remains limited by the single-school setting.</p> 2026-10-19T00:00:00+00:00 Copyright (c) 2026 Technology and Society Perspectives (TACIT)