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All Journal Journal of Management and Entrepreneurship Research Sejahtera: Jurnal Inspirasi Mengabdi Untuk Negeri
Toro, Muh. Juan Suam
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Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Social Sciences

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CFO Characteristics and Liquidity Creation: Evidence from Indonesia Bahbry, Mohammed Abdullah Salem; Risfandy, Tastaftiyan; Toro, Muh. Juan Suam
Journal of Management and Entrepreneurship Research Vol. 6 No. 3 (2025)
Publisher : Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jmer.2025.9.06.3-70

Abstract

Objective: While the importance of liquidity creation in banking has been widely acknowledged, limited empirical research has explored how Chief Financial Officer (CFO) characteristics influence this critical function, particularly within emerging markets such as Indonesia. This study addresses this gap by examining the impact of CFO attributes specifically gender, age, ethnicity, and tenure on liquidity creation in Indonesian banks. Research Design & Methods: This study adopts a quantitative research design utilizing secondary panel data from 40 banks listed on the Indonesia Stock Exchange (IDX) over the period 2013–2023. The analysis employs robust Ordinary Least Squares (OLS) regression to examine the effect of CFO characteristics including gender, age, ethnicity, and tenure on bank liquidity creation. Findings: The findings reveal that CFO age is positively associated with liquidity creation, indicating that older CFOs may be more effective in managing liquidity. Conversely, CFO gender and ethnicity exhibit significant negative effects, suggesting that female CFOs and those from minority ethnic backgrounds are linked to lower liquidity creation. CFO tenure, however, shows no statistically significant impact. Implications & Recommendations These results highlight the importance of executive demographics in shaping liquidity strategies and financial intermediation within bank-based economies. The study suggests that organizations should consider demographic diversity and experience when appointing financial leaders. Contribution & Value Added: This research adds to the limited literature on executive influence in liquidity creation, particularly in emerging markets. It offers practical insights for corporate governance, executive recruitment, and diversity policy in the financial sector.
Literasi Digital dan Pemanfaatan Aplikasi Duolingo: Analisis pada Siswa Kelas 5 & 6 SDN 4 Mukiran Istighfari, Aisna Chantika Aslinda; Rachmadina, Annisa Nur; Azzahra, Annisa Salma; Panjalu, Damar Prastu; Wulansari, Dinda Restriana; Rohman, Fadillah Fatqur; Septianing, Isti; Dewi, Miranti Sukma; Hapsari, Orisa Sativa; Putri, Therressa Thea; Toro, Muh. Juan Suam
Sejahtera: Jurnal Inspirasi Mengabdi Untuk Negeri Vol. 4 No. 2 (2025): Sejahtera: Jurnal Inspirasi Mengabdi Untuk Negeri
Publisher : Universitas Maritim AMNI Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/sejahtera.v4i2.3760

Abstract

The purpose of this study was to describe the socialization of the Duolingo application in English teaching at SDN 4 Mukiran and to assess its results, challenges, and implications for teaching and learning practices. The background of this research began with the need to master a foreign language in the digital era and the potential of gamified learning applications as a teaching method. This study used a case study with a qualitative-descriptive approach. Data were collected through documentation of classroom and learning activities, teacher notes, and Duolingo usage records (directly observed by 29 participants) during the intervention period. The results showed that the socialization was well-structured and attendance was high during offline sessions; participants experienced an increase in basic English vocabulary, increased motivation to learn, and began practicing independently (10 to 15 minutes of independent practice per day in some cases). Key issues identified included a lack of hardware and internet connectivity, and limited software capabilities for developing advanced oral language skills. Implications of this study suggest that Duolingo should be used as a complementary tool in a blended learning framework, in addition to improving the accessibility of teaching and learning facilities, teacher training, and parental involvement to increase application utilization.
Co-Authors Azzahra, Annisa Salma Bahbry, Mohammed Abdullah Salem Dewi, Miranti Sukma Hapsari, Orisa Sativa Istighfari, Aisna Chantika Aslinda Panjalu, Damar Prastu Putri, Therressa Thea Rachmadina, Annisa Nur Rohman, Fadillah Fatqur Septianing, Isti Tastaftiyan Risfandy, Tastaftiyan Wulansari, Dinda Restriana