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Journal of Artificial Intelligence and Digital Business
Published by Universitas Pahlawan Tuanku Tambusai
ISSN : 29639298     EISSN : 2963914X     DOI : https://doi.org/10.31004/riggs.v1i1
Core Subject : Economy, Science, Engineering,
Computer Science & IT Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering
Journal of Artificial Intelligence and Digital Business (RIGGS) is published by the Department of Digital Business, Universitas Pahlawan Tuanku Tambusai in helping academics, researchers, and practitioners to disseminate their research results. RIGGS is a blind peer-reviewed journal dedicated to publishing quality research results in the fields of business and engineering. All publications in the RIGGS Journal are open access which allows articles to be available online for free without any subscription. RIGGS is a national journal with e-ISSN: 2963-914X, and is free of charge in the submission process and review process. Journal of Artificial Intelligence and Digital Business (RIGGS) publishes articles periodically twice a year, in January and July.
Arjuna Subject : Umum - Umum
Articles 8,377 Documents
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Pengaruh Literasi Keuangan, Kepercayaan Pada Bank Sentral, Dan Teknologi Finansial Terhadap Kesiapan Generasi Muda Indonesia Dalam Mengadopsi Pembayaran Central Bank Digital Currency (CBDC) Susilowati, Ratna; Bangun, Apriana Anggreini; Fatimah, Winda
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.3227

Abstract

Tujuan penelitian ini adalah menganalisis Pengaruh Literasi Keuangan, Kepercayaan Pada Bank Sentral, Dan Teknologi Finansial Terhadap Kesiapan Generasi Muda Indonesia Dalam Mengadopsi Pembayaran Central Bank Digital Currency (CBDC). Adapun pengertian CBDS atau Central Bank Digital Currency (CBDC) adalah versi digital dari mata uang domestik dengan unit akuntansi yang setara dengan mata uang domestiknya menurut Sethaput dan Innet (2023),Metode analisis pada penelitian ini menggunakan data primer yang diperoleh langsung dari responden melalui kuesioner, serta data sekunder yang diperoleh dari kajian literatur dan sumber terkait.. Data yang digunakan dalam penelitian ini diperoleh melalui instrumen kuesioner, dengan 149 responden yang memberikan data valid. Pengambilan sampel dilakukan dengan metode nonprobability sampling menggunakan teknik purposive sampling. Hasil penelitian menunjukkan persamaan regresi yang didapatkan pada penelitian ini adalah ???? = 3,003 + 0.025x1 + 0.446x2 + 0.225x3 + ????.. Untuk uji t diperoleh hasil bahwa secara parsial Literasi Keuangan tidak berpengaruh terhadap Kesiapan Generasi Muda Indonesia dalam Mengadopsi Pembayaran Central Bank Digital Currency (CBDC), secara parsial Kepercayaan pada Bank Sentral dan Teknologi Finansial berpengaruh terhadap Kesiapan Generasi Muda Indonesia dalam Mengadopsi Pembayaran Central Bank Digital Currency (CBDC). Secara simultan, Literasi Keuangan, Kepercayaan pada Bank Sentral, dan Teknologi Finansial berpengaruh terhadap Kesiapan Generasi Muda Indonesia dalam Mengadopsi Pembayaran Central Bank Digital Currency (CBDC).
Penerapan Data Mining Menggunakan Algoritma Decision Tree Untuk Menganalisis Penggunaan Media Sosial Dengan Konsentrasi Belajar Mahasiswa Istiqomah, Kharisma; Sofica, Verra
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.3228

Abstract

 Penelitian ini bertujuan untuk menganalisis antara penggunaan media sosial dengan konsentrasi belajar. Metode penelitian menggunakan pendekatan kuantitatif dengan teknik data mining berbasis algoritma Decision Tree. melibatkan 200 mahasiswa aktif berusia 18–25 tahun yang dipilih secara acak, mengenai frekuensi, durasi, platform media sosial, waktu belajar, IPK, dan konsentrasi belajar. Data kemudian diolah menggunakan perangkat lunak RapidMiner melalui tahapan preprocessing, pemodelan Decision Tree, serta evaluasi model menggunakan cross-validation. Hasil penelitian menunjukkan bahwa frekuensi dan durasi penggunaan media sosial merupakan faktor dominan yang memengaruhi konsentrasi belajar mahasiswa. Mahasiswa dengan frekuensi akses tinggi (>5 kali/hari) dan durasi penggunaan lama (>3 jam/hari) cenderung memiliki konsentrasi belajar rendah. Model Decision Tree yang dibangun menghasilkan akurasi sebesar 63%, dengan pola prediksi yang menunjukkan keterkaitan signifikan antara kebiasaan penggunaan media sosial dan tingkat konsentrasi belajar. Kesimpulannya, algoritma Decision Tree dapat menjadi metode yang efektif untuk mengidentifikasi pola-pola digital yang berpengaruh terhadap konsentrasi mahasiswa, serta memberikan rekomendasi strategis bagi institusi pendidikan dalam mengelola kebiasaan digital mahasiswa. Kesimpulan berikut dapat diambil berdasarkan temuan penelitian tentang penggunaan penambangan data dan algoritma Pohon Keputusan untuk menganalisis antara penggunaan media sosial dan kemampuan siswa untuk fokus selama kelas, bahwa Analisis Penggunaan Media Sosial dengan Konsentrasi Belajar. Temuan analisis Pohon Keputusan menunjukkan bahwa variabel utama yang memengaruhi kemampuan siswa untuk fokus saat belajar adalah frekuensi dan durasi penggunaan media sosial mereka.
Pengaruh Harga, Kualitas Pelayanan dan Fasilitas Coffee Shop terhadap Minat Konsumen Berkunjung ke Risala Kopi Zahra, Sofhia Rahayu; Effendi, Ihsan; Sihombing, Tohap Parulian
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 3 (2025): Agustus - October
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i3.3229

Abstract

This study aims to analyze the influence of price, service quality, and facilities on consumer interest in visiting Risala Kopi in Medan. Using a quantitative approach, the research involved 105 respondents who are customers of Risala Kopi. Data were collected through questionnaires and analyzed using multiple linear regression to determine the effect of each independent variable on the dependent variable. The results show that price, service quality, and facilities have a positive and significant effect on consumer interest, both partially (t-test) and simultaneously (F-test). This indicates that the better these three aspects are managed, the higher consumers’ interest in visiting Risala Kopi will be. The coefficient of determination (R²) value of 0.558 reveals that 55.8% of the variation in consumer interest can be explained by price, service quality, and facilities, while the remaining 44.2% is influenced by other factors not examined in this study, such as promotion, location, and brand image. Based on these findings, the study recommends that Risala Kopi should continuously improve price fairness, friendly and efficient service quality, and comfortable facilities such as interior design, cleanliness, and internet access. These improvements are expected to enhance competitive advantage, increase customer loyalty, and strengthen Risala Kopi’s position amid the increasingly competitive coffee shop industry in Medan
Financial Behavior and Its Association with Impulsive Buying Behavior: An Empirical Analysis on Gen Z and Millenials Farhana, Adinda
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.3230

Abstract

This research explores in depth the intricate relationship between financial behavior and impulsive buying behavior among Generation Z and Millennials two cohorts that have grown up in the digital era and are heavily influenced by online platforms. As digital payment systems, e-commerce applications, and social media marketing continue to expand, these generations face increasing exposure to persuasive digital advertising and instant purchasing options. Such exposure often leads to emotionally driven and unplanned purchases, raising concerns about long-term financial well-being. Using a quantitative research design, the study gathered primary data through structured questionnaires distributed to both Gen Z and Millennial respondents. The research examined several dimensions of financial behavior—such as budgeting practices, saving consistency, expense tracking, and long-term financial planning—to determine how these variables influence impulsive buying tendencies. Statistical analysis revealed a significant negative correlation between disciplined financial behavior and impulsive spending: individuals who demonstrate better control over their finances are less likely to make spontaneous purchases. In contrast, participants with weaker financial management skills tend to exhibit higher impulsivity, particularly within digital shopping contexts where convenience and social influence are strong. These findings emphasize the importance of enhancing financial literacy programs that go beyond basic knowledge to include behavioral awareness and emotional regulation in digital consumption. The study provides valuable insights for educators, policymakers, and marketers, highlighting the need to promote responsible financial decision-making and encourage mindful spending among young adults in the fast-evolving digital economy.
Manajemen Laba di Era Digital: Analisis Hubungan antara Perencanaan Pajak dan Beban Pajak Tangguhan Rizky, Shabrina Ayu; Husna, Asmaul
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 3 (2025): Agustus - October
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i3.3231

Abstract

Penelitian ini berfokus pada analisis mendalam mengenai keterkaitan antara strategi perencanaan pajak dan pengakuan beban pajak tangguhan terhadap praktik manajemen laba pada perusahaan subsektor farmasi. Pendekatan yang digunakan adalah kualitatif dengan metode studi literatur yang menitikberatkan pada sintesis hasil penelitian sebelumnya, baik dari konteks nasional maupun internasional. Data dikumpulkan melalui telaah sistematis terhadap artikel ilmiah dan publikasi akademik terakreditasi yang terbit pada periode 2015–2024 dan membahas aspek perencanaan pajak, beban pajak tangguhan, serta implikasinya terhadap transparansi pelaporan keuangan. Analisis dilakukan dengan metode tematik untuk menemukan pola konseptual, perbedaan pandangan, serta faktor yang memengaruhi keterhubungan antarvariabel. Hasil kajian menunjukkan bahwa perencanaan pajak umumnya dimanfaatkan sebagai sarana untuk mengelola kewajiban fiskal secara efisien tanpa mengurangi keandalan laporan keuangan. Namun demikian, praktik perencanaan pajak yang bersifat agresif dapat berpotensi mendorong munculnya tindakan manajemen laba. Selain itu, beban pajak tangguhan kerap mencerminkan adanya perbedaan temporer dalam pengakuan laba yang memungkinkan terjadinya manipulasi kinerja keuangan secara halus. Temuan penelitian ini menekankan pentingnya penerapan prinsip transparansi, etika profesional, dan pengawasan regulatif guna memperkuat integritas pelaporan keuangan di industri farmasi.
Pengaruh Current Ratio, Debt to Equity Ratio dan Kurs Nilai Tukar Rupiah terhadap Net Profit Margin pada PT Siantar Top Tbk Periode 2014-2023 Kurniawan, Tommy; Octovian, Reza
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.3232

Abstract

This study aims to determine the effect of Current Ratio, Debt to Equity Ratio, and Rupiah Exchange Rate on Net Profit Margin at PT Siantar Top Tbk for the period 2014-2023, both partially and simultaneously. The research method used is a descriptive method with a quantitative approach. The population in this study includes all financial report data (Annual Report) on PT Siantar Top Tbk available on the Indonesia Stock Exchange (IDX), while the sample used is the company's balance sheet and income statement for 10 years. The analysis techniques used in this study include descriptive analysis, classical assumption tests (normality, multicollinearity, heteroscedasticity, and autocorrelation), multiple linear regression test, coefficient of determination (R²), and hypothesis testing consisting of partial testing (t-test) and simultaneous testing (f-test). The results of the data analysis were then processed using the Statistical Product and Service Solution (SPSS) version 25 program. The results of this study indicate that partially, the Current Ratio, Debt to Equity Ratio, and Rupiah Exchange Rate do not affect the Net Profit Margin. However, simultaneously, the Current Ratio, Debt to Equity Ratio, and Rupiah Exchange Rate have a positive and significant effect on the Net Profit Margin at PT Siantar Top Tbk.
Innovative Service Experience and Revisit Intention in Community Banking: The Mediating Roles of Satisfaction and Authenticity Evidence from PT BPR Bank Bantul, Indonesia Kurniawan, Rangga Muhammad; Purwoko, Purwoko; Setiawan, Zunan
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 3 (2025): Agustus - October
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i3.3234

Abstract

This study examines how innovative service experiences shape customers’ intentions to revisit a community bank, with a focus on the mediating roles of authenticity and satisfaction. Drawing on data from 447 customers of PT BPR Bank Bantul (Perseroda) in Yogyakarta, Indonesia, the research operationalises Creative Service Experience (CRTE), Authenticity (AUTH), Memorability (MEM), Satisfaction (SATF), and Revisit Intention (BV) and tests a theoretically grounded causal model using PLS-SEM. Results show that seven of nine hypothesised paths are supported. CRTE strongly fosters perceptions of authenticity (β ≈ 0.49, t = 10.419, p < 0.001) and creates memorable experiences (β ≈ 0.60, t = 14.183, p < 0.001), and it also contributes to satisfaction (β ≈ 0.25, t = 4.887, p < 0.001). However, CRTE and MEM do not exert significant direct effects on revisit intention (CRTE → BV: β ≈ 0.05, t = 1.038, p = 0.299; MEM → BV: β ≈ 0.02, t = 0.348, p = 0.753). Instead, satisfaction emerges as the principal conduit to behavioural intent: satisfaction has the largest direct influence on revisit intention (β ≈ 0.51, t = 5.516, p < 0.001). Authenticity also contributes directly to both satisfaction and revisit intention (AUTH → SATF: β ≈ 0.16, t = 2.658, p = 0.008; AUTH → BV: β ≈ 0.18, t = 2.581, p = 0.010). The structural model explains approximately 60.7% of variance in revisit intention (R² = 0.607). 
The Exploring the Influence of Perceived Value on Customer Loyalty: The Mediating Role of Emotional and Social Value in Driving Satisfaction and Repeat Purchase Intention. Evidence from PT. BPR Ekadharma Bhinaraharja, East Java, Indonesia Bahagio, Dwi Atmodjo; Adilla, Fitroh; Setiawan, Zunan
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.3235

Abstract

This study examines how perceived value influences consumer loyalty for the “Kilau Emas” product offered by PT. BPR Ekadharma Bhinaraharja (East Java, Indonesia). The model foregrounds emotional value and social value as mediators, together with overall customer satisfaction, to clarify the mechanisms through which perceived value translates into repurchase intention and loyalty. Cross-sectional survey was administered to a purposive sample of active “Kilau Emas” customers (N = 412). Measurement instruments were adapted from validated scales in prior studies and translated into Indonesian, then pilot-tested. Constructs were modeled as follows: Perceived Value (exogenous), Emotional Value & Social Value (mediators), Customer Satisfaction (mediator), and Repurchase Intention / Consumer Loyalty (endogenous). The findings suggest that perceived value increases repurchase intention primarily indirectly—through emotional and social value that bolster customer satisfaction—rather than through a strong direct effect. Emotional value emerges as the dominant mediating pathway, indicating that for “Kilau Emas” customers, affective resonance (feeling valued, proud, emotionally connected) matters more than purely functional considerations. Managerially, community banks should therefore prioritize experience design that cultivates authentic emotional and social meaning (e.g., locally rooted storytelling, personalized service rituals, community recognition programs) to convert perceived value into durable loyalty. The model’s R² values indicate substantial explanatory power, supporting the practical usability of the framework for predictive and strategic decision-making.
Pengaruh Media Sosial Terhadap Peningkatan Motivasi Belajar Peserta Didik SMK Muhammadiyah Bulukumba Nasrun, Muh; perawati, perawati
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 3 (2025): Agustus - October
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i3.3237

Abstract

  Tujuan Penelitian ini adalah : 1) Mengetahui hasil belajar peserta didik sebelum perlakuan dan hasil peserta didik sesudah perlakuan atau treatment. 2) Mengetahui tingkat motivasi belajar peserta didik SMK Muhammadiyah Bulukumba. Penelitian ini menggunakan metode ex post facto yaitu dengan mengambil data seperti data nilai hasil belajar berdasarkan rata-rata sebelum mendapatkan perlakuan dan setelah mendapatkan perlakuan atau treatment. Populasi dalam penelitian ini adalah peserta didik Kelas XI Jurusan Teknik Komputer dan Jaringaan SMK Muhammadiyah Bulukumba sebanyak 17 peserta didik. Untuk menentukan besarnya sampel dalam penelitian ini, maka  dapat menggunakan teknik non probability yaitu teknik sampel jenuh dengan menggunakan seluruh jumlah populasi sebagai sampel yaitu sebanyak 17 peserta didik. Teknik pengumpulan data yang digunakan adalah teknik observasi, dokumentasi dan tes evaluasi dengan menggunakan teknik analisis data metode rata-rata hitung atau arithmetic mean. Rata-rata hasil belajar peserta didik Kelas XI Jurusan Teknik Komputer dan Jaringan SMK Muhammadiayah Bulukumba sebelum perlakuan atau treatment sebesar 70,4 dan rata-rata hasil peserta didik Kelas XI Jurusan Teknik Komputer dan Jaringan SMK Muhammadiayah Bulukumba sesudah perlakuan atau treatment sebesar 89,6 dengan bidang studi Ilmu Komputer. Dengan demikian koefisien rata-rata hitung atau arithmetic mean diperoleh kenaikan hasil belajar peserta didik Kelas XI Jurusan Teknik Komputer dan Jaringan setelah mendapatkan perlakuan atau treatment  diperoleh peningkatan motivasi belajar peserta didik SMK Muhammadiyah Bulukumba sebesar 19,2 dari nilai semula yang diperoleh.    
Analisis Hukum Ekonomi Syariah terhadap Pelaksanaan Pembiayaan tanpa Agunan pada Bank Syariah Indonesia (BSI) di Kabupaten Tuban Efendi, Mokhamad; Warsidi, Warsidi; Swadjaja, Isma
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 3 (2025): Agustus - October
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i3.3238

Abstract

Latar belakang penelitian ini didasari oleh meningkatnya kebutuhan masyarakat terhadap akses pembiayaan yang inklusif tanpa jaminan fisik, sekaligus pentingnya memastikan praktik tersebut berjalan sesuai prinsip keadilan, transparansi, dan kepatuhan syariah. Tujuan penelitian ini adalah untuk mengkaji bagaimana mekanisme pembiayaan tanpa agunan di BSI Tuban diterapkan berdasarkan hukum ekonomi syariah serta menilai efektivitas pengawasan dan perlindungan hukumnya bagi nasabah dan lembaga. Metode yang digunakan adalah penelitian kualitatif dengan pendekatan yuridis empiris melalui wawancara mendalam, observasi lapangan, serta telaah dokumen hukum dan fatwa DSN-MUI. Hasil penelitian menunjukkan bahwa pembiayaan tanpa agunan di BSI Tuban dilaksanakan melalui akad murabahah, musyarakah, mudharabah, dan ijarah yang bebas dari unsur riba dan gharar. Pengawasan internal dilakukan oleh Dewan Pengawas Syariah (DPS), sementara pengawasan eksternal dilakukan oleh OJK dan DSN-MUI guna memastikan kepatuhan terhadap maqāṣid al-syarī‘ah. Temuan penelitian menegaskan bahwa penerapan prinsip 5C (Character, Capacity, Capital, Condition, Collateral) mampu menjaga kualitas pembiayaan meski tanpa jaminan fisik. Namun, tantangan berupa rendahnya literasi keuangan syariah, keterbatasan SDM, serta risiko kredit masih perlu diatasi melalui penguatan regulasi, edukasi, dan digitalisasi sistem pengawasan. Implikasi penelitian ini menunjukkan bahwa pembiayaan tanpa agunan di BSI Tuban bukan sekadar instrumen ekonomi, tetapi juga sarana pemberdayaan sosial dan keadilan ekonomi umat sesuai prinsip hukum ekonomi Islam.

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