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International Journal for Advanced Research
Published by Outline Publisher
ISSN : -     EISSN : 30637651     DOI : https://doi.org/10.61730/055jqz08
International Journal for Advanced Research (IJAR) is a widely indexed, open access, refereed/peer reviewed, multidisciplinary, international, scientific online journal that helps researchers share their research work. As a multidisciplinary journal, we accept research work from all branches of Science including: Engineering, Medicine & Pharmacy, Business Administration, Physical Sciences, Computers, Technology and Mathematics, Economics, Social Sciences and Arts.
Arjuna Subject : Umum - Umum
Articles 5 Documents
Search results for , issue "Vol. 2 No. 1: June 2025" : 5 Documents clear
Smart Contracts and Virtual Property Disputes in the International Metaverse Economy salim; Arif; Junaidi Lubis; Chairus Suryati; Bambang Sutejo; Irma Herliza Rizki
International Journal of Advanced Research Vol. 2 No. 1: June 2025
Publisher : Outline Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61730/2zz3b072

Abstract

The rapid advancement of blockchain technology and the emergence of the metaverse as a cross-border digital economy have triggered new legal challenges, particularly concerning smart contracts and virtual property disputes. Smart contracts—self-executing agreements coded on blockchain—offer efficiency and transparency but raise critical questions about legal validity, jurisdiction, and dispute resolution when conflicts arise between parties from different countries. In the context of virtual ownership such as digital land, NFTs, and in-world assets, diverging national legal systems complicate the enforcement of rights over virtual property. This study analyzes how smart contracts are utilized in virtual property transactions and examines the evolving international legal approaches to disputes arising from such agreements. The research highlights the urgent need for an adaptive global legal framework, cross-jurisdictional recognition of digital rights, and the role of blockchain-based arbitration bodies as alternatives to traditional dispute resolution. It also explores the relevance of traditional contract law principles in decentralized virtual environments and the regulatory challenges related to digital identity and evidentiary standards. With a multidisciplinary approach, this abstract offers insights into the importance of legal harmonization and international collaboration in supporting a fair, predictable, and legally secure metaverse ecosystem.
Legal Protection for Fintech Consumers Trapped in Debt Due to High Interest (Illegal Loans) Chairus Suryati; Debi Masri; Leni Indrayani; Juliya Maria; Sattar Rasul
International Journal of Advanced Research Vol. 2 No. 1: June 2025
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Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61730/m0wm7x59

Abstract

The rapid development of financial technology (fintech) has increased public access to financial services, especially through online lending platforms. However, this advancement also brings significant legal challenges, particularly in consumer protection. Many individuals have become trapped in debt due to exorbitant interest rates imposed by illegal lenders operating without official licenses and often engaging in abusive collection practices. This research aims to analyze the legal protection available to fintech consumers victimized by illegal high-interest lending and to evaluate the effectiveness of existing regulations, including POJK 77/2016 and other consumer protection frameworks. The study employs a normative juridical approach with qualitative analysis of legislation, court decisions, and case studies. The findings reveal that the current legal framework is insufficient in providing both preventive and repressive protection for consumers. Weak oversight of illegal fintech operators and low financial literacy among the public are key factors behind the ineffectiveness of consumer protection. Regulatory reform, stricter law enforcement, and public education are urgently needed to ensure comprehensive protection for fintech consumers.
The Effect of Open Unemployment Rate and Labor Force Participation Rate on Poverty Levels in Samosir Regency in 2010–2023 Fahrani, Meutia; Penus Leonard Roningsih Sinurat; Rahel Hutahaean; Rana Nabillah; Muammar Rinaldi
International Journal of Advanced Research Vol. 2 No. 1: June 2025
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Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61730/2d9fq186

Abstract

This study examines the influence of open unemployment and labor force participation rates on poverty levels in Samosir Regency from 2010 to 2023. Poverty is still a major development problem, especially in areas with limited access to jobs and productive resources. The aim of this study was to see if fluctuations in unemployment and labour force participation significantly affected poverty in the area. This study uses a quantitative method using secondary data from the Central Statistics Agency. The multiple linear regression used serves to analyze whether there is a relationship in each variable. The results showed that neither open unemployment nor labor force participation rate had a significant influence partially or simultaneously on poverty in Samosir Regency during the observation period. An adjusted R-squared value of 0.058 indicates that only 5.8% of the poverty variation can be explained by the two independent variables. Although unemployment and labor force participation fluctuate, poverty rates in general decline. These findings suggest that other factors, such as education, infrastructure, and economic diversification, may play a more significant role in poverty alleviation. Therefore, policy recommendations should focus not only on employment-related issues but also on broader socioeconomic interventions that address the root causes of poverty. Further research is needed to explore additional variables and develop integrated strategies for sustainable poverty alleviation.
The Impact of Education Policies in Asia on Access and Quality of Education in Developing Countries Grace Tan Mei Ling
International Journal of Advanced Research Vol. 2 No. 1: June 2025
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Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61730/d6qcgt80

Abstract

This study examines the impact of education policies in Asia on improving access to and the quality of education in developing countries. Using a mixed-methods approach and interval-based regression analysis, the research investigates policy outcomes across five Asian nations—Indonesia, Vietnam, Bangladesh, Pakistan, and the Philippines—from 2015 to 2020. Key policies analyzed include curriculum reform, teacher training, infrastructure investment, and tuition subsidies. Results indicate that while most countries have made notable progress in increasing access to education, improvements in quality have been uneven. Vietnam and Indonesia show the most significant gains due to sustained investment and strong policy implementation frameworks. In contrast, Pakistan and Bangladesh lag due to limited capacity and inconsistent reforms. The findings underscore the importance of aligning education policies with local socio-economic contexts, investing in teacher development, and adopting digital innovations. Moreover, the study finds that policy impacts tend to diminish over time without continued innovation and adaptive leadership. These insights suggest that educational success in developing countries depends not only on access-oriented reforms but also on sustained efforts to improve instructional quality and institutional resilience. This research contributes to policy discourse by offering practical implications for governments, development agencies, and education stakeholders seeking to improve equity and outcomes across Asia’s developing regions.
The Role of Technology in Education in Asia: Implementation and Its Impact on Learning Quality Yasuli Bindulem; Tina Muhardika Handayani
International Journal of Advanced Research Vol. 2 No. 1: June 2025
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Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61730/sx4hje74

Abstract

This study investigates the implementation of educational technology (EdTech) across diverse Asian contexts and its multifaceted impact on learning quality. Through a mixed-methods sequential explanatory design—combining large-scale surveys (842 schools, 5,638 participants) and in-depth case studies in 8 schools—the research reveals significant disparities in infrastructure, teacher readiness, and pedagogical integration. Urban schools in high-income economies (e.g., Singapore, South Korea) reported near-universal device/broadband access (95–100%), while rural institutions in lower-middle-income countries (e.g., Indonesia, Philippines) faced critical gaps (25–40% access). Teacher self-efficacy in Technological Pedagogical Content Knowledge (TPACK) emerged as the strongest predictor of successful implementation: schools with structured training programs exhibited 3.2× higher adoption of transformative practices (SAMR’s Modification/Redefinition levels). Technology’s impact diverged sharply by implementation depth. Advanced integration (SAMR Modification/Redefinition) correlated strongly with enhanced 21st-century skills—45% higher student engagement, 37–44% gains in critical thinking and collaboration (*r* = 0.71)—but showed minimal effect on standardized test scores (+2.1–2.5%, *p* = 0.38). The digital divide exacerbated inequities: students without home internet scored 28% lower on digital literacy. Hybrid learning models with community support reduced this gap by 19%. Barriers to emerging technologies (AI/VR) included cost (78% of schools), training gaps (64%), and ethical concerns (49%). The study concludes that EdTech amplifies existing inequalities without equity-focused interventions. Success hinges on culturally aligned policies, sustained teacher development, and redefining "learning quality" beyond academic metrics. Technology alone cannot transform education; its efficacy depends on equitable infrastructure, pedagogical empowerment, and systemic support.

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