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All Journal SOSIOLOGI NUSANTARA Scientific Journal of Reflection : Economic, Accounting, Management and Business community: Pengawas Dinamika Sosial Jurnal Ilmiah Mandala Education (JIME) JISIP: Jurnal Ilmu Sosial dan Pendidikan Jurnal Abdimas Serawai Jurnal Ekonomi Trisakti Jurnal Ilmu Sosial dan Humaniora JIMAKUKERTA Business and Investment Review Socio-political Communication and Policy Review Media for Empowerment, Mobilization, and Innovation in Research & Community
Ayu Wijayanti
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Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Nursing Public Health Social Sciences

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Journal : Jurnal Ilmiah Mandala Education (JIME)

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Utilization of E-Money in the Academic World Sander, Alex; Pertiwi, Weni Arma; Heriyanti, Lesti; Wijayanti, Ayu
Jurnal Ilmiah Mandala Education (JIME) Vol 11, No 1 (2025): Jurnal Ilmiah Mandala Education (Januari)
Publisher : Lembaga Penelitian dan Pendidikan Mandala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58258/jime.v11i1.8313

Abstract

The rapid digital transformation in higher education has significantly impacted financial transaction systems, with electronic money (e-money) emerging as a pivotal technological innovation. This mixed-methods research comprehensively investigates the utilization, challenges, and implications of digital payment systems within academic institutions. By employing a sophisticated research design that integrates quantitative and qualitative methodologies, the study explores the adoption, user experiences, and technological infrastructure of e-money in higher education settings.The research encompassed a diverse sample of academic stakeholders across multiple universities, utilizing stratified random sampling to ensure representative data collection. Key findings reveal a substantial digital payment adoption rate of 72% among students and 68% among academic staff, indicating a significant shift towards digital financial ecosystems. The study identified critical factors influencing e-money adoption, including system security, user interface design, accessibility, and technological infrastructure.Notably, the research uncovered substantial variations in digital payment adoption based on socioeconomic backgrounds and geographical locations. Transaction efficiency improved by approximately 67%, with payment processes reduced from an average of 15-20 minutes to less than 3 minutes. However, challenges persist, with 33% of respondents reporting technical difficulties and accessibility concerns.The research contributes significant insights into the digital transformation of financial transactions in higher education, highlighting the need for inclusive technological strategies, robust security mechanisms, and continuous user education. Recommendations include enhancing technological infrastructure, developing user-centric design approaches, and fostering collaborative ecosystems between educational institutions, technology providers, and regulators.This study provides a comprehensive framework for understanding the complex dynamics of e-money adoption in academic environments, offering valuable perspectives for policymakers, educational administrators, and technology developers. By examining the intersection of technology, user experience, and institutional practices, the research illuminates the evolving landscape of digital financial systems in higher education.
Functional Structural Theory and Economic Empowerment among MSMEs in Rural Areas Yanti, Lesti Heri; Wijayanti, Ayu; Anggraini, Ayu; Emilda, Syahria; Sari, Rosi Puspita
Jurnal Ilmiah Mandala Education (JIME) Vol 11, No 1 (2025): Jurnal Ilmiah Mandala Education (Januari)
Publisher : Lembaga Penelitian dan Pendidikan Mandala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58258/jime.v11i1.8328

Abstract

MSMEs are one of the economic sectors that have a strategic role in the village economy, the role of MSMEs in the economy is also influenced by various factors including village potential, infrastructure, government policies, and synergy between village MSMEs, Therefore, the Makassar Maju College of Economics created a main work program for the Socialization of "The Role of MSMEs for the Bonto Daeng Village Community" the purpose of the MSME Socialization in Bonto Daeng Village is to motivate the community to form MSMEs. The existence of MSMEs in the village can also reduce unemployment by opening up new employment opportunities, From the results of observations made in Bonto Daeng Village, the opportunity to create MSMEs is quite capable when viewed from the aspect of abundant agricultural products from the plant and fruit sectors in the village. Moreover, this village does not yet have MSMEs, so the results of the Socialization of "The Role of MSMEs for the Community of Bonto Daeng Village" were able to motivate people to create MSMEs in the village.
Co-Authors Alex Sander Ayu Anggraini Emilda, Syahria Fitri Ana, Elsa Fransiskus Novrianto Pakpahan Heriyanti, Lesti Ledyawati Lubis, Syahrika Ardiyani Maryani, Sari Melany Pramesti Pakpahan, Fransiskus Novrianto Pertiwi, Weni Arma Pramesti, Melany Resita Aprilia S Ririn Shepta Deanty Safas, Putri Nikmah SAFITRA, LINDA Sari, Rosi Puspita Soranti, Bouga Sundari, Mira Yanti, Lesti Heri Yoseph Agus Bagus Budi N. Yusuf, Syawal Ghani