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PERAN PERCEIVED USEFULNESS MEMEDIASI PENGARUH PERCEIVED EASE OF USE TERHADAP ACTUAL USAGE
Ni Kadek Dilla Danaputri;
Anak Agung Gede Agung Artha Kusuma
Buletin Studi Ekonomi VOLUME.31.NO.01.TAHUN.2026
Publisher : Buletin Studi Ekonomi
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DOI: 10.24843/BSE.2026.v31.i01.p01
Penelitian ini bertujuan menguji peran perceived usefulness sebagai variabel mediasi dalam hubungan antara perceived ease of use dan actual usage pada pengguna QRIS di Kota Denpasar. Pendekatan penelitian menggunakan metode kuantitatif asosiatif dengan 150 responden yang dipilih melalui purposive sampling berdasarkan kriteria pengalaman menggunakan QRIS dan tingkat pendidikan minimal SMA/SMK. Pengolahan data dilakukan melalui uji validitas, reliabilitas, serta pengujian hipotesis dengan Hayes Process Macro Model 4. Hasil penelitian menunjukkan bahwa perceived ease of use berpengaruh positif dan signifikan terhadap actual usage maupun perceived usefulness. Selanjutnya, perceived usefulness berpengaruh positif signifikan terhadap actual usage dan terbukti memediasi hubungan antara perceived ease of use dan actual usage. Temuan ini mendukung pengembangan Technology Acceptance Model (TAM) serta memberikan implikasi praktis bagi pengelola QRIS dan penyedia layanan keuangan digital dalam merancang strategi inovasi dan promosi agar QRIS lebih mudah diakses, bermanfaat, dan mendorong peningkatan penggunaan aktual. Selain itu, pelaku usaha dan merchant juga diharapkan lebih proaktif dalam mengadopsi QRIS guna meningkatkan efisiensi transaksi dan memberikan kemudahan dalam proses pembayaran bagi konsumen. This study aims to examine the role of perceived usefulness as a mediating variable in the relationship between perceived ease of use and actual usage among QRIS users in Denpasar City. The research employed a quantitative associative approach with 150 respondents selected through purposive sampling based on their experience using QRIS and a minimum education level of senior high school or vocational school. Data were analyzed through validity and reliability tests, as well as hypothesis testing using the Hayes Process Macro Model 4. The results indicate that perceived ease of use has a positive and significant effect on both actual usage and perceived usefulness. Furthermore, perceived usefulness has a positive and significant effect on actual usage and is proven to mediate the relationship between perceived ease of use and actual usage. These findings support the development of the Technology Acceptance Model (TAM) and provide practical implications for QRIS administrators and digital financial service providers in designing innovation and promotion strategies to make QRIS more accessible, useful, and capable of increasing actual usage. Additionally, business actors and merchants are expected to be more proactive in adopting QRIS to enhance transaction efficiency and facilitate the payment process for consumers.
PERAN WORK FAMILY CONFLICT DALAM MEMEDIASI PENGARUH BEBAN KERJA TERHADAP STRES KERJA KARYAWAN
Ni Kadek Indah Cahyani;
Ayu Desi Indrawati
Buletin Studi Ekonomi VOLUME.31.NO.01.TAHUN.2026
Publisher : Buletin Studi Ekonomi
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DOI: 10.24843/BSE.2026.v31.i01.p02
Tujuan pelaksanaan penelitian yaitu menganalisis peran work family conflict sebagai variabel mediasi pada hubungan pada beban kerja dan stres kerja pegawai di Kantor Kecamatan Kuta Utara. Pendekatan kuantitatif diimplementasikan pada penelitian melalui teknik pengumpulan data diperoleh dengan wawancara pra-survei serta penyebaran kuesioner kepada 51 orang pegawai sebagai sampel penelitian. Data dianalisis melalui penggunaan statistik deskriptif, analisis jalur (path analysis), uji asumsi klasik, dan uji Sobel. Hasil penelitian menemukan bahwa beban kerja berpengaruh positif dan signifikan pada stres kerja, beban kerja juga berpengaruh positif dan signifikan pada work family conflict, dan work family conflict berpengaruh positif serta signifikan pada stres kerja. Selain itu, work family conflict terbukti memediasi secara signifikan hubungan antara beban kerja dan stres kerja. Temuan ini mendukung penerapan teori peran (role theory) dalam menjelaskan konflik antarperan di lingkungan kerja formal, serta menegaskan pentingnya pengelolaan beban kerja dan penerapan kebijakan organisasi yang mendukung keseimbangan peran guna menjaga kesejahteraan psikologis pegawai. This study aims to analyze the role of work-family conflict as a mediating variable in the relationship between workload and job stress among employees at the North Kuta District Office. The research employed a quantitative approach, with data collected through pre-survey interviews and questionnaires distributed to 51 employees as the research sample. Data were analyzed using descriptive statistics, path analysis, classical assumption tests, and the Sobel test. The findings indicate that workload has a positive and significant effect on job stress, workload also has a positive and significant effect on work-family conflict, and work-family conflict has a positive and significant effect on job stress. Furthermore, work-family conflict is proven to significantly mediate the relationship between workload and job stress. These results support the application of role theory in explaining inter-role conflict in formal work environments and emphasize the importance of workload management and organizational policies that promote role balance to maintain employees’ psychological well-being.
PERAN CITRA MEREK MEMEDIASI PENGARUH DAYA TARIK IKLAN TERHADAP NIAT BELI PRODUK HIJAU SENSATIA BOTANICALS
Putu Dian Sintya Dewi;
I Gusti Ayu Ketut Giantari
Buletin Studi Ekonomi VOLUME.31.NO.01.TAHUN.2026
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DOI: 10.24843/BSE.2026.v31.i01.p03
Pola konsumsi masyarakat kini dipengaruhi oleh kesadaran terhadap lingkungan, sehingga memicu minat terhadap produk ramah lingkungan. Sensatia Botanicals, merek perawatan kulit hijau asal Bali, berhasil menjadi merek yang paling dikenal, bahkan berekspansi ke pasar internasional. Studi ini bertujuan menguraikan peran citra merek guna memediasi pengaruh daya tarik iklan terhadap niat beli. Penelitian ini dilaksanakan di Kota Denpasar dengan melibatkan 120 responden, melalui metode survei, menggunakan kuesioner secara daring dan luring. Penentuan sampel dengan metode non probability sampling teknik purposive sampling. Hasil penelitian menyatakan seluruh hipotesis diterima. Daya tarik iklan ada pengaruh positif juga signifikan terhadap niat beli. Daya tarik iklan ada pengaruh positif juga signifikan terhadap citra merek. Citra merek ada pengaruh positif juga signifikan terhadap niat beli. Citra merek memediasi secara parsial pengaruh daya tarik iklan terhadap niat beli produk perawatan kulit hijau Sensatia Botanicals di Kota Denpasar". Implikasi studi mendukung hierarchy of effect model dan menekankan pentingnya penyampaian iklan yang kreatif dalam membentuk citra merek untuk mendorong niat beli. Contemporary consumer behavior, driven by environmental awareness, boost demand for eco-friendly products. Sensatia Botanicals, a Bali-based skincare brand, offers green skincare solutions and has expanded globally. This study examines how brand image mediates effect of advertising appeal on purchase intention. This study was carried out in Denpasar City, involving 120 respondents selected purposively through a non-probability sampling technique. Data were gathered using both online and offline questionnaires, then analyzed using path analysis. The findings indicate that all proposed hypotheses are accepted. Advertising appeal positively and significantly influences purchase intention, as well as brand image. Additionally, brand image has a positive and significant impact on purchase intention. Furthermore, brand image partially mediates the relationship between advertising appeal and purchase intention for Sensatia Botanicals. The study suggests that the findings align with the hierarchy of effects model, emphasizing that creative advertising have a crucial role in shaping a strong brand image and enhancing consumers' purchase intentions.
PENGARUH E-WOM TERHADAPA EFEKTIVITAS LIVE STREAMING: MODERASI PERSEPSI NILAI PRODUK PADA KONSUMEN PEREMPUAN
Besli, Eugenius;
Peong, Hersanius Kurnia;
Vianney, Yohanes Mario
Buletin Studi Ekonomi VOLUME.31.NO.01.TAHUN.2026
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DOI: 10.24843/BSE.2026.v31.i01.p04
Penelitian ini bertujuan untuk menganalisis pengaruh electronic word of mouth melalui ulasan dan rating toko terhadap efektivitas live streaming shopping, serta menilai peran persepsi nilai produk sebagai variabel quasi moderasi. Data dikumpulkan dengan survei online cross sectional terhadap mahasiswi pengguna e-commerce di Kota Maumere. Data penelitian dianalisis dengan regresi linear berganda menggunakan SPSS 26. Hasil penelitian menunjukkan bahwa ulasan berpengaruh negatif terhadap efektivitas live streaming, sedangkan rating toko berpengaruh positif terhadap efektivitas live streaming. Sementara itu, persepsi nilai produk tidak terbukti berpengaruh secara langsung terhadap efektivitas live streaming. Pengujian moderasi menunjukkan bahwa persepsi nilai produk mampu memperkuat hubungan antara ulasan dan efektivitas live streaming, namun tidak mampu memoderasi hubungan antara rating toko dan efektivitas live streaming. Implikasi penelitian ini menekankan pentingnya pengelolaan kualitas ulasan dan strategi peningkatan nilai produk dalam meningkatkan efektivitas pemasaran melalui live streaming. This study aims to analyze the effect of electronic word of mouth through store reviews and ratings on the effectiveness of live streaming shopping, as well as to assess the role of product value perception as a quasi-moderating variable. Data were collected through a cross-sectional online survey of female e-commerce users in Maumere City. The research data were analyzed using multiple linear regression with SPSS 26. The results show that reviews have a negative effect on the effectiveness of live streaming, while store ratings have a positive effect on the effectiveness of live streaming. Meanwhile, product value perception has no direct effect on the effectiveness of live streaming. Moderation testing shows that perceived product value can strengthen the relationship between reviews and live streaming effectiveness, but cannot moderate the relationship between store ratings and live streaming effectiveness. The implications of this study emphasize the importance of managing review quality and product value enhancement strategies in improving marketing effectiveness through live streaming.
PENGARUH LITERASI KEUANGAN, PERSEPSI RISIKO, DAN FOMO TERHADAP NIAT INVESTASI CRYPTOCURRENCY
Abadi Gunawan, Rio;
G.A. Sri Oktaryani
Buletin Studi Ekonomi VOLUME.31.NO.01.TAHUN.2026
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DOI: 10.24843/BSE.2026.v31.i01.p09
Perkembangan cryptocurrency terus mendorong peningkatan partisipasi generasi muda, meskipun tren ini selalu dibayangi oleh volatilitas pasar yang ekstrem dan dominasi bias emosional. Mengingat tingginya potensi kerugian finansial akibat bias tersebut, kajian mengenai niat investasi menjadi sangat krusial sebagai langkah antisipatif sebelum perilaku investasi berisiko benar-benar direalisasikan. Oleh karena itu, penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, persepsi risiko, dan fear of missing out (FOMO) terhadap niat investasi cryptocurrency masyarakat di Kota Mataram. Penelitian ini menggunakan pendekatan kuantitatif dengan melibatkan 100 responden yang dipilih melalui metode purposive sampling. Analisis data kuesioner dilakukan menggunakan perangkat lunak SmartPLS 4 melalui pendekatan Partial Least Squares-Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa persepsi risiko berdampak negatif dan signifikan terhadap niat investasi. Sebaliknya, literasi keuangan dan FOMO terbukti memiliki pengaruh positif dan signifikan terhadap niat investasi. Temuan ini menegaskan relevansi Theory of Planned Behavior dan Prospect Theory, serta memberikan rekomendasi bagi pemangku kepentingan untuk meningkatkan program edukasi keuangan guna membantu masyarakat membuat keputusan investasi yang lebih rasional. The development of cryptocurrency continues to drive increased participation among the younger generation, although this trend is consistently shadowed by extreme market volatility and the dominance of emotional biases. Given the high potential for financial losses stemming from these biases, studying investment intention is crucial as an anticipatory measure before risky investment behaviors are actually realized. Therefore, this study aims to analyze the effect of financial literacy, risk perception, and fear of missing out (FOMO) on cryptocurrency investment intention among the public in Mataram City. This research employs a quantitative approach involving 100 respondents selected through a purposive sampling method. Questionnaire data were analyzed using SmartPLS 4 software through the Partial Least Squares-Structural Equation Modeling (PLS-SEM) approach. The results indicate that risk perception has a negative and significant impact on investment intention. Conversely, financial literacy and FOMO are proven to have a positive and significant effect on investment intention. These findings affirm the relevance of the Theory of Planned Behavior and Prospect Theory, providing recommendations for stakeholders to enhance financial education programs to help the public make more rational investment decisions.
PENGARUH BELANJA PENDIDIKAN, KESEHATAN, DAN PDRB PER KAPITA TERHADAP PEMBANGUNAN MANUSIA
Fitriyana, Novi;
Putri, Risqi Noor Hidayati
Buletin Studi Ekonomi VOLUME.31.NO.01.TAHUN.2026
Publisher : Buletin Studi Ekonomi
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DOI: 10.24843/BSE.2026.v31.i01.p05
Pembangunan manusia menjadi salah satu ukuran untuk menggambarkan tingkat kesejahteraan masyarakat di suatu wilayah. Penelitian ini dilakukan untuk melihat realisasi belanja bidang pendidikan, kesehatan, dan PDRB per kapita apakah memengaruhi pembangunan manusia. Objek penelitian yang diamati mencakup 35 kabupaten/kota di Jawa Tengah dengan periode pengamatan tahun 2019 sampai 2023. Data bersumber dari Directorat Jenderal Perimbangan Keuangan dan Badan Pusat Statistik, kemudian dianalisis secara kuantitatif memanfaatkan regresi data panel melalui alat E-Views 12. Berdasarkan hasil pengujian, fixed effect model (FEM) dipilih sebagai pendekatan terbaik. Hasil studi menemukan bahwasanya belanja pendidikan tidak memengaruhi pembangunan manusia. Sementara belanja kesehatan serta PDRB per kapita memengaruhi pembangunan manusia secara positif dan signifikan. Kombinasi belanja pendidikan, kesehatan serta kondisi PDRB per kapita memiliki peran penting dalam memengaruhi tingkat pembangunan manusia di kabupaten/kota Jawa Tengah selama tahun 2019–2023. Temuan ini mengindikasikan perbaikan capaian IPM bukan sekadar bergantung dari besarnya anggaran daerah, melainkan termasuk efektivitas pengelolaannya serta peningkatan PDRB per kapita. Human development is one of the indicators used to describe the level of public welfare in a region. This study was conducted to examine the impact of spending on education, health, and GRDP per capita on human development. The objects studied included 35 districts / cities in Central Java with an observation period from 2019 to 2023. The data used came from the Directorate General of Fiscal Balance and Statistics Indonesia (BPS), which were subsequently analyzed quantitatively using panel data regression with the E-Views 12 tool. Based on the test result, the fixed effect model (FEM) was selected as the best approach. The research result show that education spending has no impact on human development. While health spending and GRDP per capita have a positive and significant impact on human development. The combination of education and health expenditures, as well as GRDP per capita, plays an important role the development of human potential in the districts/cities of Central Java during the period 2019–2023. This result suggests that improvements in the HDI depend not only on the size of the regional budget, but also on the effectiveness of its management and an increase in GRDP per capita.
DOES GOVERNANCE MATTER? THE CONDITIONAL IMPACT OF FISCAL DECENTRALIZATION ON PUBLIC WELFARE
Dwipatna, I Made Jyotisa Adi;
Andriani, Shadry;
Regina
Buletin Studi Ekonomi VOLUME.31.NO.01.TAHUN.2026
Publisher : Buletin Studi Ekonomi
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DOI: 10.24843/BSE.2026.v31.i01.p06
Fiscal decentralization has been widely implemented in Indonesia with the objective of improving public welfare through greater local autonomy and more responsive public service delivery. Empirical results remain inconsistent, implying that the welfare implications of fiscal decentralization depend on complementary institutional arrangements. This study aims to examine the effect of fiscal decentralization and governance quality on public welfare in Indonesia, as well as to assess whether governance quality moderates the relationship between fiscal decentralization and public welfare outcomes. The study employs a quantitative approach using static panel data covering 29 provinces over the period 2015–2024. A fixed effects model is applied following a series of model selection tests, and mean-centering is used to address multicollinearity arising from interaction terms. The findings from FEM mean-centering (FEM_c) estimation indicate that fiscal decentralization and governance quality each exert a positive influence on public welfare, while the interaction results suggest that better governance strengthens the welfare-enhancing effect of fiscal decentralization. These results highlight that the benefits of fiscal decentralization are conditional upon institutional quality rather than automatic. The study contributes to the literature by integrating governance quality as a critical moderating factor, expanding existing theoretical frameworks on fiscal decentralization. It underscores that enhancing governance capacity at the local level is essential for ensuring that fiscal decentralization effectively improves public welfare in Indonesia.
PENGARUH TEKNOLOGI DAN KONDISI SOSIAL TERHADAP KINERJA USAHA PETANI PADI SAWAH DI KECAMATAN PAMONA PUSELEMBA
Kolompo, Septian Aditya;
Melumpi, Martho Harry;
Guampe, Feliks Arfid;
Bumbungan, Kristia Lenggo
Buletin Studi Ekonomi VOLUME.31.NO.01.TAHUN.2026
Publisher : Buletin Studi Ekonomi
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DOI: 10.24843/BSE.2026.v31.i01.p10
Penelitian ini bertujuan untuk menganalisis pengaruh teknologi dan kondisi sosial terhadap kinerja usaha petani padi sawah di Kecamatan Pamona Puselemba, Kabupaten Poso. Penelitian menggunakan pendekatan kuantitatif dengan metode survei. Sebanyak 100 petani padi sawah yang aktif dipilih melalui teknik purposive sampling berdasarkan kriteria yang telah ditetapkan. Data primer dikumpulkan melalui wawancara menggunakan kuesioner terstruktur, sedangkan data sekunder diperoleh dari instansi terkait dan literatur pendukung. Variabel penelitian diukur menggunakan skala Likert lima tingkat dan dianalisis dengan metode Structural Equation Modeling berbasis Partial Least Squares (SEM-PLS) menggunakan perangkat lunak SmartPLS. Hasil penelitian menunjukkan bahwa teknologi berpengaruh positif dan signifikan terhadap kinerja usaha petani padi sawah. Pemanfaatan alat dan mesin pertanian modern, akses informasi digital, serta penggunaan teknologi dalam pengambilan keputusan usaha tani berkontribusi terhadap peningkatan produktivitas dan efisiensi. Sebaliknya, kondisi sosial berpengaruh negatif dan tidak signifikan terhadap kinerja usaha, yang mengindikasikan bahwa tingkat pendidikan, pengalaman bertani, motivasi, dan keanggotaan kelompok tani belum berperan optimal dalam meningkatkan hasil usaha. Temuan ini menegaskan pentingnya penguatan adopsi teknologi guna meningkatkan kinerja usaha petani padi sawah. This study aims to analyze the effect of technology and social conditions on the business performance of lowland rice farmers in Pamona Puselemba District, Poso Regency. A quantitative approach with a survey method was employed. A total of 100 active lowland rice farmers were selected using purposive sampling based on predetermined criteria. Primary data were collected through structured questionnaire-based interviews, while secondary data were obtained from relevant institutions and supporting literature. Research variables were measured using a five-point Likert scale and analyzed using Structural Equation Modeling based on Partial Least Squares (SEM-PLS) with SmartPLS software. The results show that technology has a positive and significant effect on farmers’ business performance. The utilization of modern agricultural tools, access to digital information, and technology-based decision-making contribute to higher productivity and efficiency. In contrast, social conditions have a negative and insignificant effect on business performance, indicating that education level, farming experience, motivation, and farmer group membership have not yet optimally enhanced farm outcomes. These findings emphasize the strategic importance of strengthening technology adoption to improve the business performance of lowland rice farmers.
PENGARUH PENANAMAN MODAL ASING DAN TENAGA KERJA TERHADAP PEMBANGUNAN INKLUSIF DI INDONESIA
Limbong, Olivia Putriana;
Ni Putu Wiwin Setyari
Buletin Studi Ekonomi VOLUME.31.NO.01.TAHUN.2026
Publisher : Buletin Studi Ekonomi
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DOI: 10.24843/BSE.2026.v31.i01.p07
Penelitian ini bertujuan untuk menganalisis pengaruh penanaman modal asing atau Foreign Direct Investment (FDI) dan tenaga kerja terhadap pembangunan inklusif di Indonesia. Meskipun pembangunan ekonomi nasional terus menunjukkan tren positif, fenomena atas kesenjangan ekonomi dan kemiskinan masih menjadi sebuah tantangan yang kompleks serta utama dalam pembangunan di Indonesia. Hal ini menunjukkan bahwa pertumbuhan ekonomi yang tinggi tidak secara pasti akan sejalan dengan pemerataan manfaatnya kepada seluruh lapisan masyarakat. Sehingga perlu untuk memastikan bahwa pertumbuhan ekonomi tersebut bersifat inklusif dan mampu menjangkau seluruh lapisan masyarakat. Dalam konteks tersebut, peran modal asing diharapkan tidak hanya meningkatkan pertumbuhan ekonomi, tetapi juga membuka kesempatan kerja yang luas bagi masyarakat. Penelitian ini menggunakan pendekatan kuantitatif dengan metode pengumpulan data melalui observasi terhadap data sekunder yang diperoleh dari publikasi Bank Dunia, Badan Pusat Statistik (BPS) dan jurnal-jurnal selama periode penelitian. Dengan teknik analisis data yang digunakan adalah regresi linier berganda untuk mengetahui pengaruh variabel penanaman modal asing, manufaktur dan pengangguran terhadap indikator pembangunan ekonomi di Indonesia. Hasil penelitian menunjukkan bahwa penanaman modal asing dan manufaktur memiliki pengaruh terhadap pembangunan inklusif di Indonesia. Dengan demikian, optimalisasi pemanfaatan modal asing dan peningkatan sektor manufaktur dapat menjadi salah satu strategi dalam mewujudkan pembangunan ekonomi yang inklusif dan berkelanjutan. This study aims to analyze the influence of foreign direct investment (FDI) and labor on inclusive development in Indonesia. Although national economic development continues to show a positive trend, the phenomenon of economic inequality and poverty is still a complex and major challenge in development in Indonesia. This shows that high economic growth will not necessarily be in line with the equitable distribution of benefits to all levels of society. Therefore, it is necessary to ensure that economic growth is inclusive and able to reach all levels of society. In this context, the role of foreign capital is expected not only to increase economic growth, but also to open up wide job opportunities for the community. This study uses a quantitative approach with a data collection method through observation of secondary data obtained from publications of the World Bank, the Central Statistics Agency (BPS) and journals during the research period. The data analysis technique used is multiple linear regression to determine the influence of foreign investment, manufacturing and unemployment variables on economic development indicators in Indonesia. The results of the study show that foreign investment and manufacturing have an influence on inclusive development in Indonesia. Thus, optimizing the use of foreign capital and increasing the manufacturing sector can be one of the strategies in realizing inclusive and sustainable economic development.
STUDI KOMPARATIF KETERKAITAN KEBIJAKAN MAKROPRUDENSIAL TERHADAP EMISI KARBONDIOKSIDA DI NEGARA MAJU DAN BERKEMBANG
febrianti, siti zulaika;
M. Abd. Nasir
Buletin Studi Ekonomi VOLUME.31.NO.01.TAHUN.2026
Publisher : Buletin Studi Ekonomi
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DOI: 10.24843/BSE.2026.v31.i01.p08
Penelitian ini menganalisis dampak kebijakan makroprudensial terhadap emisi CO2 di negara maju dan berkembang periode 2010–2023 menggunakan estimasi Panel Least Square. Temuan utama mengungkap bahwa emisi CO₂ secara signifikan mengganggu stabilitas keuangan melalui risiko transisi dan iklim fisik. Negara maju berhasil mencapai decoupling pertumbuhan ekonomi dari emisi sehingga meminimalkan eksposur aset berisiko dan meningkatkan ketahanan keuangan sementara negara berkembang mengalami coupling yang memperbesar kerentanan sistemik. Secara khusus, Capital Adequacy Ratio efektif menekan emisi di negara maju, tetapi instrumen seperti Loan-to-Value dan Debt-to-Income kurang mendukung transisi rendah karbon di negara berkembang. Implikasi kebijakannya mencakup integrasi bobot risiko aset berbasis fosil bagi negara maju guna mempercepat decoupling, serta inovasi kredit adaptif dan koordinasi kebijakan untuk transisi hijau inklusif di negara berkembang. Penggabungan risiko iklim dalam regulasi makroprudensial pada akhirnya melindungi stabilitas keuangan sekaligus mencegah kerugian ekonomi global triliunan dolar akibat perubahan iklim. This study analyzes the impact of macroprudential policies on CO₂ emissions in advanced and developing economies over 2010–2023 using Panel Least Square estimation. Key findings indicate that CO2 emissions significantly disrupt financial stability through transition and physical climate risks. Advanced economies achieve decoupling of economic growth from emissions thus minimizing risky asset exposure and enhancing financial resilience while developing economies experience persistent coupling that amplifies systemic vulnerabilities. Specifically, the Capital Adequacy Ratio effectively curbs emissions in advanced economies, whereas instruments like Loan-to-Value and Debt-to-Income ratios inadequately support low-carbon transitions in developing ones. Policy implications include integrating fossil-based asset risk weights in advanced economies to accelerate decoupling, alongside adaptive credit innovations and policy coordination for inclusive green transitions in developing economies. Ultimately, embedding climate risks in macroprudential regulation safeguards financial stability while averting trillions in global economic losses from climate change.