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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Abdimas Toddopuli: Jurnal Pengabdian Pada Masyarakat
Tri Wina Sabrina
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Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Social Sciences Other

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Perkembangan Financial Technology Terkait Central Bank Digital Currency (CBDC) terhadap Transmisi Kebijakan Moneter dan Makroekonomi Soleha, Safnah; Hikmah Indri Yani Harahap; Tri Wina Sabrina; Maryam Batubara
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 3 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i3.23293

Abstract

The purpose of this study is to determine the development of financial technology related to central bank digital currency (CBDC) on the transmission of monetary and macroeconomic policies. The advancement of financial technology (fintech) continues to show a significant increase in today's digital age. This research uses descriptive qualitative research methods with literature studies. The descriptive method used in this research is to describe the direction or process of research development. In brief, it can be concluded that CBDC is electronic money issued by the central bank and can be accessed universally. on the transmission of monetary policy in Indonesia can be shown by the effect of changes in BI 7DRR on banking rates both deposit and credit rates. If the economy is in recession, Bank Indonesia will implement a loose monetary policy by lowering the benchmark interest rate so that economic activity increases. macroeconomics is part of economics that explores economic events and problems holistically as a unit. Macroeconomics also focuses attention on the role of the state in regulating economic activity. The development of fintech, which is in line with the increasingly wide open access to digital finance, has great potential to increase public access to the financial sector.
Perkembangan Financial Technology Terkait Central Bank Digital Currency (CBDC) terhadap Transmisi Kebijakan Moneter dan Makroekonomi Soleha, Safnah; Hikmah Indri Yani Harahap; Tri Wina Sabrina; Maryam Batubara
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 3 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i3.23293

Abstract

The purpose of this study is to determine the development of financial technology related to central bank digital currency (CBDC) on the transmission of monetary and macroeconomic policies. The advancement of financial technology (fintech) continues to show a significant increase in today's digital age. This research uses descriptive qualitative research methods with literature studies. The descriptive method used in this research is to describe the direction or process of research development. In brief, it can be concluded that CBDC is electronic money issued by the central bank and can be accessed universally. on the transmission of monetary policy in Indonesia can be shown by the effect of changes in BI 7DRR on banking rates both deposit and credit rates. If the economy is in recession, Bank Indonesia will implement a loose monetary policy by lowering the benchmark interest rate so that economic activity increases. macroeconomics is part of economics that explores economic events and problems holistically as a unit. Macroeconomics also focuses attention on the role of the state in regulating economic activity. The development of fintech, which is in line with the increasingly wide open access to digital finance, has great potential to increase public access to the financial sector.
Membangun Ekonomi Digital Berkelanjutan di Desa: Edukasi Penggunaan QRIS dalam Meningkatkan Literasi Keuangan Digital Masyarakat Desa Kutambelin Hasanah, Rhaudhatul; Tri Wina Sabrina; Candra Kirana; Lubis, Hilda Zahra
Abdimas Toddopuli: Jurnal Pengabdian Pada Masyarakat Vol. 7 No. 1 (2025): Volume 7 No 1, Desember 2025
Publisher : Universitas Cokroaminoto Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30605/atjpm.v7i1.7447

Abstract

Perkembangan teknologi digital mendorong transformasi sistem pembayaran, di mana QRIS (Quick Response Code Indonesian Standard) hadir sebagai solusi transaksi yang mudah, cepat, dan aman. Namun, adopsinya di daerah pedesaan seperti Desa Kutambelin masih menghadapi kendala rendahnya literasi keuangan digital dan kekhawatiran akan keamanan, seperti ancaman QR code palsu. Penelitian ini bertujuan untuk menganalisis efektivitas edukasi QRIS dalam meningkatkan pemahaman, minat penggunaan, serta kewaspadaan masyarakat desa terhadap penipuan digital, sekaligus mengeksplorasi perannya dalam membangun fondasi ekonomi digital yang berkelanjutan. Metode yang digunakan adalah penelitian dan pengembangan (R&D) dengan pendekatan campuran (mixed methods) dan desain one-group pre-test post-test. Kegiatan edukasi dilakukan secara partisipatif, menggabungkan materi teoritis dengan simulasi praktis. Hasil penelitian menunjukkan peningkatan signifikan dalam pemahaman dan keterampilan peserta mengenai penggunaan QRIS. Masyarakat dan pelaku UMKM mulai beralih dari transaksi tunai ke digital, yang meningkatkan efisiensi dan transparansi keuangan. Aspek keamanan digital, termasuk mekanisme verifikasi untuk mencegah penipuan, menjadi komponen kunci dalam edukasi. Meskipun tantangan seperti infrastruktur internet yang terbatas dan variasi tingkat pemahaman digital masih ada, strategi keberlanjutan melalui kolaborasi perbaikan infrastruktur, pendampingan berkelanjutan, dan pengembangan modul lanjutan berhasil dirumuskan.
Co-Authors Candra Kirana Hasanah, Rhaudhatul Hikmah Indri Yani Harahap Lubis, Hilda Zahra Maryam Batubara Soleha, Safnah