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All Journal Journal of Noesantara Islamic Studies International Journal of Educatio Elementaria and Psychologia Journal of Tecnologia Quantica Research of Scientia Naturalis Journal of Social Entrepreneurship and Creative Technology Journal of Multidisciplinary Sustainability Asean Lingeduca: Journal of Language and Education Studies Journal Markcount Finance Journal Neosantara Hybrid Learning Journal of World Future Medicine, Health and Nursing International Journal of Educational Narratives Rechtsnormen: Journal of Law Journal of Social Science Utilizing Technology
Samantha Gonzales
University of Santo Tomas
Religion Agriculture, Biological Sciences & Forestry Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Education Languange, Linguistic, Communication & Media Library & Information Science Physics Other

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Investor Psychology and Sentiment Analysis in Cryptocurrency Markets: A Behavioral Finance Approach Juliana Kadang; Maria Clara Reyes; Samantha Gonzales
Journal Markcount Finance Vol. 3 No. 3 (2025)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/jmf.v3i3.2577

Abstract

The volatility of cryptocurrency markets has attracted growing attention from scholars seeking to understand how psychological and emotional factors shape investor behavior. Behavioral finance provides a theoretical foundation to explain deviations from rational decision-making, particularly in environments driven by speculation, social influence, and technological uncertainty. This study aims to examine the relationship between investor sentiment, psychological bias, and market dynamics within cryptocurrency trading using a behavioral finance approach. The research employs a mixed-method design, combining quantitative sentiment analysis of social media data (Twitter, Reddit, and Telegram) with econometric modeling of market indicators such as trading volume, volatility, and price momentum. The results indicate a strong correlation between positive sentiment and short-term price surges, while fear and loss aversion significantly contribute to panic selling and extreme volatility. Investor psychology, particularly herd behavior and overconfidence, is shown to amplify market cycles beyond fundamental valuations. The findings confirm that behavioral variables exert a measurable and systematic influence on cryptocurrency market movements. The study concludes that integrating psychological and sentiment metrics into financial modeling enhances predictive accuracy and provides critical insights for investors and policymakers seeking stability in digital asset markets.
THE EFFECTIVENESS OF BLENDED LEARNING IN IMPROVING 21ST CENTURY SKILLS IN MIDDLE SCHOOL STUDENTS Baso Intang Sappaile; Samantha Gonzales; Andres Villanueva
Journal Neosantara Hybrid Learning Vol. 4 No. 2 (2026)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/jnhl.v4i2.2695

Abstract

Blended learning is frequently promoted as an effective instructional model for fostering 21st-century skills; however, much of the existing discourse assumes its superiority without adequately examining the contextual and pedagogical conditions that shape its outcomes. This study addresses this gap by investigating whether blended learning meaningfully improves critical thinking, collaboration, creativity, and digital literacy among middle school students in a real classroom environment. The research aims to evaluate not only the magnitude of improvement but also whether the observed changes can be attributed to the blended instructional design rather than external factors such as teacher expertise or students’ prior technological exposure. A quasi-experimental method was employed involving two groups of eighth-grade students: an experimental group receiving blended instruction through a combination of face-to-face learning, digital modules, and interactive online tasks, and a control group receiving conventional instruction. Data were collected through performance-based assessments, observation checklists, and student self-evaluation surveys. The analysis utilized paired-sample and independent-sample t-tests to compare pre- and post-intervention differences. The findings indicate a statistically significant improvement in all four targeted skills among the experimental group, with the strongest gains observed in digital literacy and collaborative problem-solving. However, the results also suggest that the effectiveness of blended learning is highly dependent on instructional scaffolding, the quality of digital resources, and students’ initial readiness for technology-mediated tasks. The study concludes that blended learning can enhance 21st-century skills in middle school students when implemented through a structured, well-facilitated design. It cautions, however, against assuming universal effectiveness across diverse learning environments.
Climate Change and Human Health: Strategies for Building Resilient Healthcare Systems Irene Florensia Situmeang; Samantha Gonzales; Luis Santos
Journal of World Future Medicine, Health and Nursing Vol. 3 No. 6 (2025)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/health.v3i6.2802

Abstract

Climate change has intensified environmental stressors that directly and indirectly threaten human health, including rising temperatures, extreme weather events, vector borne disease expansion, and disruptions to food and water security. Healthcare systems worldwide face increasing pressure as climate-related hazards exacerbate morbidity and mortality, revealing systemic vulnerabilities in infrastructure, workforce capacity, and emergency preparedness. This study aims to identify strategic approaches for strengthening healthcare system resilience in the face of climate change by examining adaptive, organizational, and technological interventions. A mixed methods design was employed, combining systematic literature analysis with case based evaluations of climate adaptation initiatives implemented across multiple regions. The findings show that integrated climate health surveillance, climate resilient infrastructure, workforce training, and digital early-warning systems are among the most effective strategies for enhancing resilience. The results also highlight that governance coordination and equitable resource allocation significantly shape adaptive capacity. The study concludes that building resilient healthcare systems requires a multisectoral approach that embeds climate risk assessment into health planning, expands adaptive technologies, and prioritizes vulnerable populations.  
Effectiveness of Career Guidance Program in Improving Students’ Job Readiness Sota Yamamoto; Riko Kobayashi; Samantha Gonzales
International Journal of Educational Narratives Vol. 3 No. 2 (2025)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/ijen.v3i2.2153

Abstract

Background. With increasing competition in the labor market, students must possess not only academic knowledge but also the practical skills and emotional readiness to transition into professional environments. Purpose. This study aims to evaluate the effectiveness of a career guidance program in improving students’ job readiness, focusing on key factors such as self-efficacy, communication skills, and career decision-making abilities. Method. A quantitative research design was employed, using pre- and post-surveys to assess the program’s impact on a sample of 300 high school students. The data were analyzed using descriptive statistics and paired sample t-tests. Results. The results indicate a significant improvement in students’ job readiness after participating in the career guidance program. The most notable gains were observed in self-confidence, the ability to make informed career decisions, and the development of job-search skills. Conclusion. The study concludes that career guidance programs are highly effective in equipping students with the necessary skills and mindset to succeed in the job market. Schools and educational institutions should prioritize the implementation of such programs to better prepare students for future employment opportunities.  
A Comparative Analysis of Consumer Protection Norms in E-Commerce Between Indonesia’s Civil Law and Singapore’s Common Law Systems Agus Satory; Luis Santos; Samantha Gonzales
Rechtsnormen: Journal of Law Vol. 3 No. 6 (2025)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/rjl.v3i6.3014

Abstract

Background. The rapid expansion of e-commerce has intensified consumer protection challenges in digital markets. Legal systems are required to respond to issues such as information asymmetry, unfair contract terms, and limited access to remedies, particularly within cross-border online transactions. Purpose. This study aims to analyze and compare consumer protection norms in e-commerce within Indonesia’s civil law system and Singapore’s common law system, focusing on how legal tradition shapes regulatory design and enforcement mechanisms. Method. The research employs a qualitative comparative legal approach using doctrinal and normative analysis. Primary legal sources, including statutes, regulations, and judicial decisions, are examined alongside secondary legal literature through a structured comparative framework. Results. The findings reveal that Indonesia emphasizes codified rules and administrative enforcement to ensure legal certainty, while Singapore relies on judicial interpretation and principle-based regulation to maintain flexibility. Conclusion. The study concludes that legal tradition remains a decisive factor in shaping consumer protection norms in e-commerce. The novelty of this research lies in its contextual comparative analysis within Southeast Asia, demonstrating that digitalization does not eliminate legal diversity but reconfigures its expression in consumer protection law.
Fintech for Inclusion or Exclusion? The Impact of Digital Credit Scoring Algorithms on Access to Finance for the Urban Poor Samantha Gonzales; Luis Santos; Andres Villanueva
Journal of Social Science Utilizing Technology Vol. 3 No. 6 (2025)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/jssut.v3i6.2906

Abstract

Background. The rise of fintech and digital financial services has transformed access to finance, particularly for underserved populations. However, concerns have emerged regarding the potential for digital credit scoring algorithms to either facilitate inclusion or perpetuate exclusion, especially for the urban poor. In many developing countries, these algorithms are being used to assess creditworthiness, but their reliance on big data, social media activity, and other non-traditional factors raises questions about fairness and transparency. Purpose. This study aims to evaluate the impact of digital credit scoring algorithms on access to finance for the urban poor, focusing on whether these algorithms contribute to financial inclusion or exclusion. Method. The research adopts a mixed-methods approach, combining quantitative data analysis from fintech platforms with qualitative interviews from urban poor individuals in Indonesia. Results. The findings reveal that while digital credit scoring has improved access to financial products for some, it has also disproportionately excluded individuals with limited digital footprints or those lacking access to traditional banking systems. Conclusion. The study concludes that digital credit scoring, if not carefully regulated, risks exacerbating financial inequality. Policy recommendations include enhancing transparency, addressing biases in algorithmic decision-making, and ensuring greater financial literacy to bridge the digital divide.
Co-Authors Agus Satory Ahmad Yani Ali Reza Andres Villanueva Baso Intang Sappaile Catherine Lie Dina Ahmed Dito Anurogo Irene Florensia Situmeang Isabel Martinez Josefa Flores Juliana Kadang Luis Santos Maria Clara Reyes Miguel de la Cruz Oliver Harris Ren Suzuki Riko Kobayashi Sahjad M. Aksan Sarah Williams Slamet Pamuji Sota Yamamoto Wijaya Wijaya Yusuf Yusuf Zeanette Tiarma Lisbet