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All Journal Jurnal Manajemen Terapan dan Keuangan Jurnal Ilmiah Akuntansi dan Humanika Ekonomi Bisnis Jurnal Ilmu Manajemen (JIM) MIX : Jurnal Ilmiah Manajemen Edukasi: Jurnal Pendidikan dan Pengajaran Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Ekonomi dan Bisnis SENTRALISASI Jurnal Kepariwisataan Indonesia: Jurnal Penelitian dan Pengembangan Kepariwisataan Indonesia Jurnal Abdimas Berdaya : Jurnal Pembelajaran, Pemberdayaan dan Pengabdian Masyarakat Jurnal Simki Economic Indonesian Journal of Social Science Research Ekonomia Jurnal Manajemen dan Pemasaran Jasa Journal of Business Studies and Management Review Jurnal Manajemen Teknologi dan Sistem Informasi Jurnal Ilmiah Manajemen dan Kewirausahaan Jurnal Pengabdian Masyarakat dan Riset Pendidikan Ekonomia International Journal of Business and Quality Research International Journal of Economics, Business and Innovation Research Jurnal Pengabdian Masyarakat Unama NuCSJo : Nusantara Community Service Journal
Muhammad Haris Saputra
Fakultas Ekonomi Dan Bisnis, Universitas Jambi
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Reconceptualizing Financial Management in the Age of FinTech 4.0: Efficiency, Inclusion, and Financial Resilience Muhammad Haris Saputra; Kurnia Permana; Try Syeftiani
International Journal of Business and Quality Research Vol. 3 No. 04 (2025): October - December, International Journal of Business and Quality Research (IJ
Publisher : Citakonsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijbqr.v3i04.2844

Abstract

The rapid development of financial technology (FinTech) has fundamentally transformed financial management practices across organizations and economic systems worldwide. The emergence of FinTech 4.0 characterized by the integration of artificial intelligence, big data analytics, blockchain technology, cloud computing, and open finance has shifted financial management from a traditional administrative function toward a strategic driver of efficiency, financial inclusion, and financial resilience. In recent years, increasing economic uncertainty, technological disruption, and global financial shocks have intensified the need for adaptive and resilient financial management systems. This study aims to systematically review and synthesize recent international literature on the transformation of financial management in the era of FinTech 4.0, with a particular focus on three interrelated dimensions: efficiency, financial inclusion, and financial resilience. Using a structured literature review approach, this study analyzes peer-reviewed journal articles published between 2020 and 2025 that examine the role of FinTech in reshaping financial management practices across different organizational and institutional contexts. The findings indicate that FinTech significantly enhances financial management efficiency through automation, real-time data processing, and advanced analytics. Furthermore, FinTech expands financial inclusion by reducing access barriers to financial services for individuals and small and medium-sized enterprises. In addition, FinTech strengthens financial resilience by enabling proactive risk management, predictive financial planning, and adaptive decision-making during periods of economic disruption. By integrating these three dimensions within a unified analytical framework, this study contributes to the literature by offering a comprehensive understanding of FinTech-driven financial management transformation and providing insights for practitioners, policymakers, and researchers.
Assessing Passport Service Quality in the Digital Era: User Perceptions of the M-Paspor Application at the Class I Immigration Office TPI Jambi Try Syeftiani; Muhammad Haris Saputra; Kurnia Permana
International Journal of Business and Quality Research Vol. 3 No. 04 (2025): October - December, International Journal of Business and Quality Research (IJ
Publisher : Citakonsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijbqr.v3i04.2850

Abstract

This article discusses the digital transformation of passport services as part of public service reform in the immigration sector. The study analyzes public perceptions of the quality of M-Paspor–based passport services at the Class I Immigration Office TPI Jambi by integrating the SERVQUAL and e-service quality perspectives. The findings demonstrate that the implementation of digital-based passport services has been perceived very positively by service users, particularly in terms of accessibility, procedural certainty, and service efficiency. The consistency of high scores across service quality dimensions reflects the successful integration of digital systems with conventional service mechanisms. However, the analysis also reveals that the empathy dimension remains relatively weaker, indicating the need to strengthen human interaction and user experience within digital public services. Overall, this study confirms that digital transformation has contributed to improving passport service quality, while emphasizing that sustainable public value creation requires a balanced approach between technological innovation and user-oriented service delivery. The results provide empirical insights for strengthening digital public service governance in the immigration sector Key words: Passport Service Quality, Digital Transformation, SERVQUAL
Pemberdayaan Masyarakat Dalam Disversifikasi Olahan Produk Ayam Potong Di Desa Pematang Gajah Kecamatan Jambi Luar Kota Kabupaten Muaro Jambi: Pengabdian Dessy Elliyana; Dwi Kurniawan; Try Syeftiani; Muhammad Haris Saputra; Kurnia Permana
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 3 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 3 (Januari 202
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i3.4134

Abstract

UMKM merupakan salah satu pilar utama perekonomian Indonesia, menyumbang lebih dari separuh PDB nasional dan menyerap sebagian besar tenaga kerja. Namun, banyak UMKM di daerah masih beroperasi pada rantai nilai rendah yang ditandai oleh keterbatasan inovasi, minimnya pengelolaan usaha, dan rendahnya literasi digital. Permasalahan serupa ditemukan pada kelompok UMKM penjual ayam potong di Desa Pematang Gajah, Kabupaten Muaro Jambi, yang hanya menjual ayam dalam bentuk mentah tanpa diversifikasi produk dan belum menerapkan manajemen usaha yang memadai. Program pengabdian masyarakat ini menggunakan pendekatan Participatory Action Research (PAR) untuk mengidentifikasi kebutuhan, meningkatkan kapasitas pelaku usaha, serta merumuskan tindakan perbaikan berbasis partisipasi. Kegiatan dilakukan melalui observasi lapangan, pelatihan sanitasi dan good handling practices, penguatan manajemen keuangan dasar, serta pengenalan potensi diversifikasi produk unggas. Hasil kegiatan menunjukkan bahwa pelaku usaha berada dalam kondisi low-value chain trap, namun pendekatan PAR mampu memfasilitasi transformative learning melalui refleksi kritis, peningkatan kesadaran usaha, dan penyusunan rencana aksi sederhana seperti pencatatan keuangan, peningkatan sanitasi, dan uji coba produk olahan. Program ini menegaskan bahwa intervensi partisipatif dapat menjadi strategi efektif untuk memperkuat UMKM lokal secara berkelanjutan, sekaligus meningkatkan nilai tambah dan daya saing ekonomi masyarakat.
The Influence of Investor Sentiment and Market Uncertainty on the Volatility of Gold Sector Stocks on the Indonesia Stock Exchange Kurnia Permana; Muhammad Haris Saputra; Try Syeftiani
International Journal of Economics, Business and Innovation Research Vol. 4 No. 06 (2025): October- November, International Journal of Economics, Business and Innovation
Publisher : Cita konsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijebir.v4i06.2845

Abstract

This study aims to analyze the influence of investor sentiment and market uncertainty on the volatility of gold sector stocks on the Indonesia Stock Exchange. Although gold stocks are often perceived as a hedging asset, stock price fluctuations in this sector exhibit relatively high volatility, especially during periods of market uncertainty. This study uses a quantitative approach with an explanatory research design and utilizes secondary data in the form of panel data. The research sample consists of gold sector companies listed on the Indonesia Stock Exchange during the 2015–2024 period, selected using a purposive sampling technique. Stock volatility is measured using the standard deviation of stock returns, investor sentiment is proxied by the stock trading activity indicator, and market uncertainty is measured using the market volatility indicator. Data analysis was conducted using panel data regression with a fixed effects approach, accompanied by testing for moderating effects. The results show that investor sentiment has a positive and significant effect on gold sector stock volatility. Furthermore, market uncertainty also has a positive effect on stock volatility and is proven to strengthen the influence of investor sentiment on gold sector stock volatility. These findings support the behavioral finance perspective that emphasizes the role of non-fundamental factors in stock market dynamics. This research provides an empirical contribution in enriching the behavioral finance literature in the context of emerging markets and provides practical implications for investors, issuers, and regulators in managing capital market risk and stability.
Financial Decision-Making in the Age of Artificial Intelligence: A Systematic Literature Review Muhammad Haris Saputra; Fitriati, Fitriaty
Indonesian Journal of Social Science Research Vol. 6 No. 2 (2025): Indonesian Journal of Social Science Research (IJSSR)
Publisher : Future Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594//ijssr.06.02.29

Abstract

The development of artificial intelligence (AI) is fundamentally transforming how individuals, financial institutions, and regulators make financial decisions. In Indonesia, this transformation is visible in the use of AI for risk management, creditworthiness assessment, robo-advisory services, and the prediction of stock prices and indices. This article aims to systematically examine the role of AI in financial decision-making with a specific focus on the Indonesian context, combining national studies accredited in Sinta with international articles indexed in Scopus. The study employs a systematic literature review (SLR) of 20 articles published in recent years, including conceptual studies, systematic reviews, and empirical research based on market and customer data. The findings indicate that AI makes significant contributions in: (1) improving the accuracy of risk management and loss prediction, (2) expanding financial inclusion through innovative credit scoring schemes, (3) supporting investment decision-making via robo-advisors and capital market prediction models, and (4) shaping new, highly digital financial behaviours that nevertheless raise ethical, transparency, and algorithmic bias concerns. At the same time, there are challenges related to data quality, model transparency, consumer protection, and AI literacy among Indonesian financial actors.  
The Effectiveness of Price to Book Value in Classifying Value and Growth Stocks and Its Implications for Stock Returns in Indonesia Kurnia Permana; Muhammad Haris Saputra
Indonesian Journal of Social Science Research Vol. 6 No. 2 (2025): Indonesian Journal of Social Science Research (IJSSR)
Publisher : Future Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11594/ijssr.06.02.27

Abstract

The distinction between value stocks and growth stocks has long been a central topic in asset pricing and investment decision-making. The Price to Book Value (PBV) ratio is one of the most frequently used valuation metrics to determine whether a stock is undervalued (value) or overvalued (growth). However, empirical evidence in emerging markets, including Indonesia, remains inconclusive, particularly regarding the performance differences between value and growth stocks. This quantitative study employs secondary data from 72 companies listed on the Indonesia Stock Exchange (IDX) during the 2019–2024 period. PBV serves as the primary basis for classifying stocks, while ROE, DER, firm size, and stock returns are analyzed using descriptive statistics, independent-samples t-tests, and multiple regression analyses. The findings reveal that value stocks (low PBV) generate higher average returns than growth stocks (high PBV), with the difference being statistically significant (p < 0.05). Regression analysis shows that ROE has a positive and significant effect on PBV, while DER negatively affects PBV. Firm size exhibits no significant effect. These results confirm that PBV is an effective indicator for distinguishing between value and growth stocks in the Indonesian market. The study reinforces the relevance of the value premium and highlights the essential role of profitability and capital structure in determining firm valuation.
Pengaruh Komisaris Independen dan Kepemilikan Institusional terhadap Kinerja Perusahaan Peran Mediasi Transformasi Industri 4.0 Muhammad Haris Saputra; Rama Dhonal; Kurnia Permana
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.29748

Abstract

Penelitian ini menganalisis pengaruh komisaris independen dan kepemilikan institusional terhadap kinerja perusahaan dengan menempatkan transformasi Industri 4.0 sebagai variabel mediasi. Berlandaskan teori keagenan, keberadaan komisaris independen dan peran pemegang saham institusional dipandang mampu memperkuat fungsi pengawasan, menekan biaya keagenan, serta meningkatkan kualitas pengambilan keputusan strategis. Transformasi Industri 4.0 merefleksikan perubahan terencana dalam proses bisnis, teknologi, dan tata kelola operasional melalui pemanfaatan sistem digital terintegrasi, Internet of Things, analitik data, otomatisasi cerdas, dan integrasi rantai pasok. Penelitian ini menggunakan data panel perusahaan manufaktur selama periode 2019–2023 dan dianalisis dengan regresi panel two-way fixed effects serta uji mediasi berbasis produk koefisien menggunakan metode bootstrap. Hasil empiris menunjukkan bahwa komisaris independen dan kepemilikan institusional berpengaruh positif terhadap tingkat transformasi Industri 4.0 dan kinerja perusahaan. Selain itu, transformasi Industri 4.0 berpengaruh positif terhadap kinerja perusahaan dan terbukti memediasi secara parsial pengaruh komisaris independen dan kepemilikan institusional terhadap kinerja. Temuan ini menegaskan bahwa peningkatan efektivitas tata kelola perusahaan akan lebih optimal apabila disinergikan dengan strategi transformasi Industri 4.0 yang terukur dan berorientasi pada penciptaan nilai jangka panjang.
Co-Authors Aegisia Sukmawati Ahmad Nur Budi Utama Ajidirman , Andang Fazri Asep Machpudin Carissa Margaretha Cua, sandi Delya, Alsa Dwi Anggara, Agus Dwi Kurniawan Eddy Suratno Effiyaldi Elliyana, Dessy Erwita Dewi Fadillah, Yosi Fahdillah, Yosi Favian, Lucas Febby Nanda Utami Ferdinand, Felix Firmasari, Puja Fitri Chairunnisa Fitriati, Fitriaty Fitriaty Fitriaty, Fitriaty Geneva, Jessica Priscilla Guspianto Guspianto Hartiwi, Yessi Irfan Hassandi Jimmy Fernando Kadar, Melani Kanaya Puspa Kirana Lie Kanaya Puspita Lie Kurnia Permana Laras Sabrina, Hanan Larissa, Luna Laila Lie, Kanaya Puspa Kirana Marcel Rivaldo Marcellino Christian Mardiana R Maryati Ningsih Maryati Ningsih Masgo Meri Yarni Mery Mira Gustiana Pangestu Moh Ihsan Musnaini Musnaini musnaini musnaini Musnaini Musnaini Narvanco, Youngken Nia Rahayu Nia Rahayu Permana, Kurnia Puja Firmasari R, Mardiana Rahman, Aldi Aulia Rama Dhonal Rista Aldilla Syafri ROBY SETIAWAN Rofi'i, Imam Salsa, Salsandra Jihan Saputra, Aldo Shofia Amin Shofia Amin Sigit Indrajaya Sry Rosita Tan, Fiusdry Tio, Michael Tona Aurora Lubis Tona Aurora Lubis Usmayanti, Vivi Vivi Usmayanti Wahya Iffa Lubis Widiatmoko, Agus Wiskandar , Yamir , Septi Novi Yap, Marybiet Yonatan, Terence Adi Yosi Fadillah yosi fahdillah Yossinomita Yulia Dwi Kartika Yuliana Yuliana Yuliusman Zhee Reylia Vauzan