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A Descriptive Analysis of Student Perceptions of Cryptocurrency as a Tool for Financial Inclusion and Government Efficiency Khotamov Shohrukhmirzo Fattoh Ugli; Netti Siska Nurhayati; Tulaboyev Azamjon Qurbonovich
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 7 No. 4 (2026): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v7i4.10865

Abstract

As digital finance has grown quickly in the Society 5.0 environment, decentralized financial instruments have become much more popular. But current cross-border systems often have operational problems that keep millions of people who don't have bank accounts from being part of global financial networks. This study seeks to ascertain university students' perceptions of cryptocurrency as a mechanism to improve financial inclusion and governmental transparency. A structured survey was administered to 40 university students employing a quantitative descriptive research design to assess their attitudes towards blockchain-based financial frameworks. The study is theoretically founded on the Technology Acceptance Model (TAM), emphasizing Perceived Usefulness. The results show that people have a very positive view of cryptocurrency's role in future financial systems (Mean: 3.72) and how quickly and clearly it can process transactions. The literature talks about theoretical risks, but the results show that students mostly think about the systemic benefits and cost-effectiveness of digital assets. This research offers policymakers significant insights into the incorporation of cryptocurrencies to lower administrative expenses and enhance economic engagement. This research enhances the literature by highlighting the socio-governmental utility of cryptocurrencies, rather than considering them merely as speculative assets.
Training on the Implementation of the Halal Product Assurance System for Micro and Small Enterprises to Increase Their Intention to Obtain Halal Certification Layung Anindya Prasetyanti; Netti Siska Nurhayati; Eka Surachman; Mokh Adib Sultan Sari; Maya Sari
PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Vol. 11 No. 5 (2026): PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat
Publisher : Institute for Research and Community Services Universitas Muhammadiyah Palangkaraya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33084/pengabdianmu.v11i5.11582

Abstract

The Administrative District of Kepulauan Seribu, despite being located within the Special Capital Region (DKI) of Jakarta, has a lagging economy compared to other administrative regions of Jakarta. In fact, Kepulauan Seribu has significant development potential, particularly in tourism, fisheries, and food processing. Currently, 90% of businesses in Kepulauan Seribu are Micro, Small, and Medium Enterprises (MSMEs). These enterprises have significant potential to grow in line with the region’s own resources and opportunities. On the other hand, the national administration has mandated halal certification for food and beverage products, effective October 17, 2024. This requirement will also extend to MSMEs’ food and beverage products, effective from October 17, 2026. Furthermore, the government, through the Ministry of Tourism, is actively promoting halal tourism, aiming to position Indonesia as a global leader in the sector. Therefore, training on the Halal Product Assurance System is considered essential to strengthen the economy of Kepulauan Seribu by preparing its MSMEs to register for halal certification. Following Ajzen’s Theory of Planned Behavior, the training emphasized positive attitudes and subjective norms and aimed to lower perceived behavioral control. The study shows that the training led to a high intention to apply for halal certification.
EFEK MODERASI KEBIJAKAN DIVIDEN PADA PENGARUH PROFITABILITAS TERHADAP HARGA SAHAM (STUDI KASUS PERUSAHAAN SEKTOR CONSUMER GOODS INDUSTRY YANG TERDAFTAR DI BEI PERIODE 2018-2022) Sri Utami Widyaningrum; Maya Sari; Netti Siska Nurhayati
Jurnal Ekbis (Ekonomi & Bisnis) Vol. 12 No. 1 (2024): Juni 2024
Publisher : POLITEKNIK PIKSI GANESHA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56689/ekbis.v12i1.1562

Abstract

Dalam kurun periode 2018-2022 kinerja saham pada sektor industri barang konsumsi mengalami penurunan. Penelitian ini bertujuan untuk mengetahui efek moderasi kebijakan dividen pada pengaruh profitabilitas terhadap harga saham di sektor industri barang konsumsi. Dari keseluruhan sampel penelitian selama 5 tahun diperoleh jumlah 95 observasi menggunakan teknik purposive sampling. Metode analisis yang digunakan adalah Analisis Regresi Moderasi (MRA) dengan menggunakan Eviews. Hasil penelitian menunjukan kebijakan dividen memoderasi pengaruh profitabilitas terhadap harga saham. Ketika perusahaan menerapkan kebijakan dividen yang tinggi, pengaruh profitabilitas terhadap harga saham dapat melemah. Temuan ini memberikan implikasi bahwa dalam membeli saham investor perlu mempertimbangkan kebijakan dividen untuk menilai prospek saham di masa depan. Karena tingginya kebijakan dividen menjadi sinyal negatif yang menandakan perusahaan hanya fokus memberikan dividen yang besar kepada investor tanpa menginvestasikan kembali pada pertumbuhan jangka panjang dan keberlanjutan bisnis. Kata Kunci: Profitabilitas, Kebijakan Dividen, Harga Saham, Return On Asset dan Dividend Payout Ratio