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All Journal Jurnal Aplikasi Statistika & Komputasi Statistik Jurnal Papatung : Jurnal Ilmu Administrasi Publik, Pemerintahan dan Politik Tarling : Journal of Language Education Dharma Jnana Room of Civil Society Development UNP Journal of Statistics and Data Science AMMA : Jurnal Pengabdian Masyarakat Journal of Demography, Etnography, and Social Transformation Masyarakat Berkarya: Jurnal Pengabdian dan Perubahan Sosial International Journal of Islamic Finance (IJIF) Room of Civil Social Development
Urwawuska Ladini
UIN Sulthan Thaha Saifuddin Jambi
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Nursing Public Health Social Sciences Other

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CRYPTOCURRENCY VS MATA UANG KONVENSIONAL: PROSPEK, RISIKO, DAN REGULASI DI INDONESIA Ani Nuraini; Avid Leonardo Sari; Nanang Basuki; Ade Imam Muttaqien Halim; Urwawuska Ladini
PAPATUNG: Jurnal Ilmu Administrasi Publik, Pemerintahan dan Politik Vol 8 No 1 (2025): PAPATUNG Volume 8 Nomor 1 Tahun 2025
Publisher : GoAcademica Research dan Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54783/japp.v8i1.1381

Abstract

Perkembangan teknologi digital telah membawa perubahan signifikan dalam sistem keuangan global, termasuk munculnya cryptocurrency sebagai alternatif dari mata uang konvensional. Di Indonesia, fenomena ini menimbulkan perdebatan mengenai prospek pemanfaatan cryptocurrency, risiko yang terkandung di dalamnya, serta tantangan regulasi yang harus dihadapi oleh pemerintah. Dinamika ini menunjukkan adanya kebutuhan untuk memahami lebih jauh bagaimana cryptocurrency dapat bersaing atau melengkapi peran mata uang konvensional di masa depan. Tujuan penelitian ini adalah untuk menganalisis prospek, risiko, dan regulasi cryptocurrency dibandingkan dengan mata uang konvensional di Indonesia. Penelitian ini menggunakan pendekatan kualitatif dengan memanfaatkan berbagai sumber data sekunder yang relevan, termasuk hasil penelitian terdahulu, laporan regulasi, dan publikasi akademik. Data yang terkumpul kemudian diolah secara sistematis untuk memperoleh pemahaman yang mendalam mengenai isu yang diteliti. Hasil penelitian menunjukkan bahwa cryptocurrency memiliki prospek besar dalam hal efisiensi transaksi dan inklusi keuangan, namun risiko volatilitas, potensi penyalahgunaan, dan ketidakpastian regulasi masih menjadi hambatan utama. Mata uang konvensional tetap memiliki posisi dominan karena stabilitasnya yang dijaga oleh kebijakan moneter nasional. Regulasi yang tepat dan adaptif diperlukan agar cryptocurrency dapat dimanfaatkan secara aman dan produktif tanpa mengganggu sistem keuangan nasional. Dengan demikian, keseimbangan antara inovasi teknologi dan stabilitas ekonomi menjadi kunci dalam menavigasi masa depan sistem keuangan Indonesia.
Financial Literacy’s Impact on Interest in Sharia Investment: An Examination Using SEM-PLS Sella Nofriska Sudrimo; Urwawuska Ladini; Dahlia Misrika
Jurnal Aplikasi Statistika & Komputasi Statistik Vol 18 No 1 (2026): Jurnal Aplikasi Statistika & Komputasi Statistik
Publisher : Politeknik Statistika STIS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34123/jurnalasks.v18i1.784

Abstract

Introduction/Main Objectives: This research explores the impact of financial literacy, including knowledge, confidence, and ability, on interest in Sharia investment. Background Problems: the relationship between financial literacy and interest in sharia investment. Novelty: Considering that each province has different community characteristics, especially in the Southwest Papua Province area which is included in the 3T areas (underdeveloped, frontier, and outermost), an analysis was carried out and using SEM-PLS for analysis of Ddta. Research Methods: Using the Structural Equation Model Partial Least Square (SEM-PLS) method with the response variable sharia investment interest and the financial literacy variable with the dimensions of knowledge, confidence and ability. Finding/Results: The results show that financial literacy has a positive and statistically significant effect on interest in Sharia investment. Although its explanatory power is limited (R² = 0.094), the findings indicate that financial literacy functions as an enabling factor rather than a sole determinant of Sharia investment interest. These results suggest that improving financial literacy alone is insufficient to substantially increase interest in Sharia investment. Therefore, policies aimed at promoting Sharia investment should integrate financial education with institutional trust-building, product accessibility, and socio-religious engagement, particularly in underdeveloped and frontier regions such as Southwest Papua.
Co-Authors Ade Imam Muttaqien Halim Angger Hidayat Anggraini, Dessy Ani Nuraini Avid Leonardo Sari Dahlia Misrika Dahlia Misrika Ismadharliani, Aztyara Khusnul Istiqomah Kurniyati Latusi Anggriani Latusi Anggriani Miftahur Rahmi Mubarokah, Zakiyatunnisa Al Muhammad Maulana Hamzah Nanang Basuki Nurfazillah Nurfazillah Nurfazillah Roohimi, Masykur Hamba Saldi Yulistian Saldi Yulistian Sella Nofriska Sudrimo Siregar, Fitri Ana Sudharyati, Neneng Syahril Ahmad Zakiyatunnisa Al Mubarokah zakiyatunnisa al mubarokah