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All Journal Journal of Economics Research and Policy Studies EBID:Ekonomi Bisnis Digital
Shaliha, Sasha Kamila
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Economics, Econometrics & Finance

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ANALISIS PENGARUH PENGGUNAAN E-WALLET TERHADAP TINGKAT INKLUSI KEUANGAN PADA KALANGAN MAHASISWA DI PURWOKERTO Prasetyo, Edgina Aurellia; Shaliha, Sasha Kamila; Zahwarani, Alfita; Kartawijaya, Amandamayakosa
EBID: Ekonomi Bisnis Digital Vol 3, No 2 (2025): Desember
Publisher : STMIK Widuri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37365/ebid.v3i2.582

Abstract

The shift from traditional financial services has been driven by the rapid development of financial technology (fintech). One prominent innovation is the electronic wallet (e-wallet). University students, as individuals who are closely connected to digital technology, often constitute the majority of e-wallet users. This study aims to analyze the influence of e-wallet usage, perceived security and ease of use, as well as perceived usefulness on financial inclusion among university students in Purwokerto. Primary data were collected through questionnaires distributed to students in the Purwokerto area. The study employed multiple linear regression analysis using EViews 13. The results indicate that perceived security and ease of use, along with perceived usefulness, have a significant positive effect on financial inclusion. However, e-wallet usage itself does not show a significant influence on financial inclusion.
Dinamika ketidakpastian pasar keuangan global terhadap stabilitas harga emas sebagai safe haven asset Shaliha, Sasha Kamila; Zahwarani, Alfita; Ilma, Ajeng Faizah Nijma; Rahajuni, Dijan
Journal of Economics Research and Policy Studies Vol. 5 No. 3 (2025): Journal of Economics Research and Policy Studies
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/jerps.v5i3.2449

Abstract

The uncertainty in global financial markets led investors to favor safe, stable assets such as gold. Therefore, it was important to explain the factors driving global financial market uncertainty and their impact on gold price stability. This study analyzed the effects of global tensions, exchange rates, and interest rates on the stability of gold prices as a safe-haven asset in Indonesia. The Ordinary Least Squares (OLS) regression method was employed to measure the extent of these effects, and the model was validated using the normality test (Jarque-Bera), autocorrelation test, multicollinearity test, and heteroskedasticity test (White). Monthly data from January 2022 to December 2024 were used in the analysis and were found to be stationary. The study found that exchange rates and interest rates had a positive and significant effect on gold prices, while global tensions had a positive but insignificant effect. These findings were relevant to support investor decision-making and policy formulation, as well as to contribute to the academic literature in international finance.
Co-Authors Ajeng Faizah Nijma Ilma, Ajeng Faizah Nijma DIJAN RAHAJUNI, DIJAN Kartawijaya, Amandamayakosa Prasetyo, Edgina Aurellia Zahwarani, Alfita