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All Journal Scientific Journal of Reflection : Economic, Accounting, Management and Business
Lonak, Putri Debora
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Economics, Econometrics & Finance

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Penerimaan Minat Penggunaan Central Bank Digital Currency (CBCD) di Kalangan Generasi Z : Studi Kasus pada Mahasiswa FEB Universitas Katolik Widya Mandira Kupang Lian, Yohanis Pemandi; Lonak, Putri Debora; Bere, Sarlina Agustin Motu; Suban, Maria Petrosia Peni
SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business Vol. 8 No. 1 (2025): SCIENTIFIC JOURNAL OF REFLECTION: Economic, Accounting, Management, & Business
Publisher : Sekolah Menengah Kejuruan (SMK) Pustek

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/sjr.v8i1.1006

Abstract

This research aims to understand the level of acceptance and interest in using Central Bank Digital Currency (CBDC) among Generation Z, especially students at the Faculty of Economics and Business (FEB) Widya Mandira Catholic University, Kupang. The method used is a qualitative method with a phenomological approach. This research explores perceptions, knowledge, and factors that influence students' interest in using CBDC as a digital currency innovation issued by the central bank. Data was collected through semi-structured in-depth interviews and through Focus Group Discussions (FGD) with a number of students from the Faculty of Economics and Business (FEB). The research results show high acceptance of the Central Bank Digital Currency (CBDC) among generation Z, especially students at the Faculty of Economics and Business (FEB) Widya Mandira Catholic University, Kupang, especially because of the convenience, security and efficiency offered by CBDC in digital financial transactions. The research results also show factors that influence interest in using Centarl Bank Digital Currency (CBDC).
Persepsi Mahasiswa FEB Unwira Kupang terhadap Investasi dan Dampaknya terhadap Pertumbuhan Ekonomi Indonesia Lonak, Putri Debora; Suban, Maria Petrosia Peni; Mulik, Cindy Esterina N.; Lawalu, Emiliana Martuti
SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business Vol. 8 No. 3 (2025): SCIENTIFIC JOURNAL OF REFLECTION: Economic, Accounting, Management, & Business
Publisher : Sekolah Menengah Kejuruan (SMK) Pustek

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/sjr.v8i3.1127

Abstract

Economic growth is a key indicator of a nation's progress, with investment playing a strategic role as a primary driver. However, investment literacy among university students, particularly in eastern regions of Indonesia such as Kupang, remains relatively low. This study aims to explore the perceptions of students at the Faculty of Economics and Business (FEB), Widya Mandira Catholic University (Unwira) Kupang regarding investment and its impact on Indonesia's economic growth. Using a qualitative approach with a phenomenological method, the research involved semi-structured interviews with 12 students and two focus group discussions (FGDs) involving 10–15 participants each, selected based on their interest and preliminary knowledge in finance and investment. The findings indicate that most students recognize the importance of investment in economic development but have limited understanding of investment instruments, mechanisms, and associated risks. A lack of financial literacy is identified as a major barrier, although students expressed strong interest in gaining further knowledge. They also perceive investment as closely linked to macroeconomic progress, especially in job creation and infrastructure development. The study concludes that while perceptions are generally positive, structured and practical financial literacy programs are needed to bridge knowledge gaps. Such initiatives can empower students to become confident, informed investors contributing to inclusive and sustainable economic growth.
Co-Authors Bere, Sarlina Agustin Motu Emiliana Martuti Lawalu Lian, Yohanis Pemandi Mulik, Cindy Esterina N. Suban, Maria Petrosia Peni