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All Journal Jurnal Sains Sosio Humaniora Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Eliza, Jihan
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Arts Humanities Economics, Econometrics & Finance Education Social Sciences

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Psychological Challenges Experienced by EFL Students in Learning English Eliza, Jihan; Wachyunni, Sri; Arif, Nely
Jurnal Sains Sosio Humaniora Vol. 7 No. 2 (2023): Volume 7, Nomor 2, Desember 2023
Publisher : LPPM Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jssh.v7i2.23916

Abstract

This study aimed to look into the psychological challenges EFL students faced while learning English and the strategies they used. This research was conducted using a quantitative descriptive research design with a questionnaire as the instrument. The respondents of this research were 75 students from one of the public junior high schools in Kota Jambi. The data obtained were analyzed using statistics and descriptive methods. Students face three psychological challenges: self-belief, motivation, and Anxiety. For the learning strategy, there were eight indicators of the learning strategy that students used in learning English; 6 of them were the learning strategy that they used, such as cognitive strategies (underlining and memorizing) and behavioral strategies (test-taking, help-seeking, homework management, and note-taking skills).
An analysis of bank productivity in Indonesia: The impact of P2P lending and digital payments using the Malmquist Productivity Index Octrina, Fajra; Eliza, Jihan; Jamilah, Almi; Dewi, Andrieta Shintia
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 13 No. 1 (2025): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Publisher : Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/ppd.v13i1.40676

Abstract

This study investigates the relationship between technological adoption and banking productivity, specifically focusing on Indonesian banks over five years. Using the Malmquist Productivity Index (MPI), the study measures changes in productivity and identifies the variables that influence increases or decreases in performance. The findings reveal that P2P lending and digital payment innovations have a significant positive effect on enhancing bank productivity. Additionally, other bank-specific and macroeconomic variables were found to impact productivity levels. The results highlight the importance of continuous technological development and strategic operational improvements to sustain productivity growth. Based on these findings, it is recommended that banks intensify investments in financial technology, diversify their digital service offerings, and adapt operational models to reach broader market segments. Furthermore, regulatory bodies are encouraged to foster a competitive environment that promotes innovation while ensuring financial stability. These efforts are crucial to maintaining long-term efficiency and competitiveness in the banking sector.
Co-Authors Andrieta Shintia Dewi Fajra Octrina Jamilah, Almi Nely Arif Wachyunni, Sri