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All Journal SEIKO : Journal of Management & Business Journal Informatic, Education and Management (JIEM)
Adita, Dharma
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Computer Science & IT Decision Sciences, Operations Research & Management Education Languange, Linguistic, Communication & Media Social Sciences Other

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A Qualitative Comparison of Cross-Border QRIS and Global Card Networks Adita, Dharma; Widiyanto, Ariq; Megawati, Liya
Journal Informatic, Education and Management (JIEM) Vol 8 No 1 (2026): FEBRUARY (CALL FOR PAPERS)
Publisher : STMIK Indonesia Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61992/jiem.v8i1.223

Abstract

This study examines the strategic role of Cross-Border Quick Response Code Indonesian Standard (QRIS) as a transformative alternative to conventional international payment systems, specifically comparing its operational efficiency and cost structure against Visa and Mastercard networks. Employing a descriptive qualitative method and secondary data synthesis from 2020–2025, the study explores linkages between Indonesia, Malaysia, and Singapore within ASEAN’s digital payment ecosystem. Findings demonstrate that Cross-Border QRIS significantly reduces transaction costs through lower Merchant Discount Rates (MDR) and accelerates settlement under the Local Currency Settlement (LCS) framework. Additionally, it contributes to regional “dedollarization” and enhances digital sovereignty by fostering domestic control over payment infrastructure and transaction data. Despite these advantages, card networks remain superior in global coverage and fraud prevention. The research concludes that an optimal payment ecosystem requires a hybrid adoption model combining QRIS efficiency with the international reach of card schemes.
Reaksi Pasar dan Dampak Eskalasi Konflik Militer Amerika Serikat-Israel terhadap Iran pada Pasar Saham Indonesia Adita, Dharma; Situngkir, Tiar Lina; Fadilla, Arif
SEIKO : Journal of Management & Business Vol 9, No 1
Publisher : Program Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/sejaman.v9i1.11495

Abstract

Penelitian ini ditujukan untuk menginvestigasi dampak eskalasi konflik militer antara Amerika Serikat dan Israel terhadap Iran pada 28 Februari 2026 terhadap pasar modal Indonesia. Penelitian mengadopsi pendekatan event study dan regresi data panel untuk menguji reaksi pasar melalui abnormal return pada 24 perusahaan tercatat dalam indeks IDX30. Periode pengamatan dilakukan selama tujuh hari, yaitu tiga hari sebelum, hari kejadian, dan tiga hari sesudah peristiwa. Analisis perbedaan abnormal return dilakukan menggunakan Wilcoxon Signed Rank Test, sedangkan pengujian pengaruh peristiwa menggunakan regresi data panel dengan Common Effect Model serta variabel kontrol ukuran perusahaan, leverage, dan likuiditas. Hasil penelitian mengindikasikan bahwa tidak terdapat perbedaan signifikan abnormal return sebelum dan sesudah peristiwa dengan nilai signifikansi 0,864. Hasil regresi panel juga menunjukkan bahwa variabel peristiwa tidak berpengaruh signifikan terhadap abnormal return dengan nilai probabilitas 0,743. Temuan ini mengonfirmasi bahwa pasar saham Indonesia tidak memberikan reaksi yang signifikan terhadap guncangan geopolitik tersebut selama periode pengamatan.
Co-Authors Dewi, Harnum Kumala Fadilla, Arif Fajar Ramadhan, Fajar Liya Megawati Situngkir, Tiar Lina Widiyanto, Ariq