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All Journal PIKSEL : Penelitian Ilmu Komputer Sistem Embedded and Logic Indonesian Journal on Software Engineering (IJSE) Journal of Economic, Bussines and Accounting (COSTING) JURNAL EDUCATION AND DEVELOPMENT EVOLUSI : Jurnal Sains dan Manajemen Community Education Engagement Journal Mathematics Research and Education Journal SPEED - Sentra Penelitian Engineering dan Edukasi Informatics and Computer Engineering Journal Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Suripah .
Universitas Bina Sarana Informatika
Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Languange, Linguistic, Communication & Media Library & Information Science Mathematics Other

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The Future of Central Bank Digital Currencies (CBDCs): Implications for Monetary Policy Suripah Suripah; Finarsih Septria; Afriani Pravitasari; Murniyati Murniyati
Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis Vol. 5 No. 1 (2025): Maret : Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jaemb.v5i1.6520

Abstract

This study investigates the implications of Central Bank Digital Currency (CBDC) implementation and fintech adoption on the effectiveness of monetary policy, emphasizing the mediating role of financial system stability and the moderating influence of public trust in central banks. The research addresses a pressing issue in the digital transformation of global finance: whether digital currencies issued by central banks can enhance policy responsiveness in increasingly cashless and decentralized economies. Using an exploratory qualitative method, this study integrates a systematic review of post 2020 academic literature and central bank reports from The Bahamas, Nigeria, and China. A conceptual framework is developed to examine causal relationships among CBDC design, fintech integration, institutional trust, and policy effectiveness. The findings reveal that CBDC impact is highly context dependent; programmable and inclusive designs, such as China’s Digital Yuan, significantly enhance monetary transmission, whereas technical and social barriers, such as in Nigeria, limit policy effectiveness. The Bahamas serves as an intermediate case where offline and identity linked digital currency supports inclusion and moderate policy gains. The analysis confirms that financial stability mediates the relationship between digital innovation and policy outcomes, while public trust either strengthens or diminishes policy reach. This research contributes to the understanding of CBDC as a policy tool by highlighting institutional, technological, and behavioral factors that determine its success. Implications suggest that policymakers must adopt a multidimensional approach that combines digital infrastructure readiness with strong governance and trust building measures.
Computer-Based Test Application to Support E-Learning in Pandemic Situation Imam Soleh Marifati; Joko Dwi Mulyanto; Chandra Kesuma; Ubaidillah Ubaidillah; Suripah Suripah
PIKSEL : Penelitian Ilmu Komputer Sistem Embedded and Logic Vol. 9 No. 2 (2021): September 2021
Publisher : LPPM Universitas Islam 45 Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/piksel.v9i2.3102

Abstract

The use of information technology in education is a new breakthrough. During the current COVID-19 pandemic, many teaching and learning activities are carried out online using the internet in the form of e-learning. one important part of e-learning is the test. Computer based test (CBT) can be implemented in schools that should be accessed by students from remote places. Computer-based test applications can be used as a complement to online learning by utilizing the web technology. Web-based applications allows access by students with an internet connection using PC/Laptop or other mobile devices. In addition, implementation costs can be saved because paperless. Computer-based test applications also make it easier for teachers to grade the answer where the application can automatically provide the score instantly when students finish the test. In this study, the application was built using the web technology that run from various devices and platforms. Access applications can be designed for local network use (intranet) or online by hosting the application on a webserver. The application development uses a system development life cycle approach using PHP-MySQL technology. Keyword : CBT, computer base test, PHP-MySQL, webapps.
Co-Authors Afriani Pravitasari Agus Dahlia Althafvillia Azzahra Yasmine Annisa Ika Restiana Putri Astri Wahyuni Astri Bilgah Bilgah Chandra Kesuma Effendi, Leo Adhar Eka Putri Handayani Eka Rahmawati Fabriyan Fandi Dwi Imaniawan Finarsih Septria Ina Maryani Istikomah, Endang Joko Dwi Mulyanto Marifati, Imam Soleh Murniyati Murniyati Nur Amalia Solikhah Paulus Doni Arif Wibowo Pradita Fadlurohman Rezi Ariawan Sindi Amelia Sindi Sri Rezeki Sunanto Sunanto Ubaidillah Ubaidillah Vembria Rose Handayani Zafrullah Zafrullah Zetriuslita