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Asia Pacific Journal of Business Economics and Technology
Published by CV. Cita Utilitas Utama
ISSN : -     EISSN : 28092279     DOI : https://doi.org/10.63922/
Core Subject : Economy, Science, Education, Engineering,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Electrical & Electronics Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media
Asia Pacific Journal of Business Economics and Technology (APJBET) is a high quality open access peer reviewed research journal. providing a platform for the researchers, academicians, professional, practitioners and students to impart and share knowledge in the form of high quality empirical and theoretical research papers, case studies. This journal focuses on every research discipline related to social behavior science, entrepreneurship and business management such as human resource management, marketing management, financial management, production/operational management, strategic management, sharia business management, halal industry management, tourism management, banking management, industrial management, agribusiness management, business administration, entrepreneurial activities, micro, small and medium enterprises (MSMEs), consumer behavior, purchasing decisions, consumer satisfaction, consumer loyalty and several areas of business behavior, technology management, also includes community social research
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 10 Documents
 1 
The Role of Law in Governing Fintech Innovation and Risk Management Hasnah Aziz; Ibrahim Aji; Mahfudlon; Harry Sudhana; Adi Saputra
Asia Pacific Journal of Business Economics and Technology Vol. 6 No. 02 (2026): April - Mei
Publisher : Cita Konsultindo Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.98765/apjbet.v6i02.329

Abstract

This study examines the role of law in governing financial technology (fintech) innovation while ensuring effective risk management in rapidly evolving digital financial ecosystems. As fintech disrupts traditional financial services through technologies such as blockchain, artificial intelligence, and digital payments, regulatory frameworks face increasing pressure to balance innovation with consumer protection and systemic stability. This paper analyzes how legal systems respond to fintech developments by exploring regulatory approaches, including principles-based regulation, regulatory sandboxes, and cross-border legal harmonization. It highlights key risks associated with fintech, such as data privacy concerns, cybersecurity threats, financial fraud, and regulatory arbitrage, and evaluates how legal instruments mitigate these challenges. Furthermore, the study discusses the role of law in fostering trust, promoting responsible innovation, and ensuring financial inclusion. Using a qualitative approach, the research draws on comparative legal analysis and recent policy developments across emerging and developed markets. The findings suggest that adaptive, flexible, and technology-neutral legal frameworks are essential to support innovation while maintaining financial stability and public confidence. Ultimately, the paper underscores the importance of dynamic legal governance in shaping a sustainable and resilient fintech ecosystem.
The Effect Of Dividend,Leverage, And Profitability Policies On Company Value With Capital Structure Moderation In The Mining Sector Olivvia Anastasya; Lestari Wuryanti; Hiro Sejati
Asia Pacific Journal of Business Economics and Technology Vol. 6 No. 02 (2026): April - Mei
Publisher : Cita Konsultindo Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.98765/apjbet.v6i02.322

Abstract

This study aims to examine and analyze the effect of dividend policy, leverage, and profitability on firm value, with capital structure as a moderating variable in the mining sector. The research was conducted on nine mining companies listed on the Indonesia Stock Exchange (IDX) during the 2022–2024 period using secondary data collection. A total of 27 observations were obtained over three years through purposive sampling. The research method employed a quantitative approach using panel data regression analysis and Moderated Regression Analysis (MRA) through EViews software. The results indicate that partially, dividend policy has a significant effect on firm value. In contrast, leverage and profitability were found to have no significant effect on firm value in the mining sector during the observation period. Simultaneously, the three independent variables have a significant effect on firm value. The moderation test results show that capital structure is not able to moderate the relationship between dividend policy, leverage, and profitability and firm value.
Analysis of the Influence of Competence, Psychological Empowerment, and Organizational Resilience on the Performance of Tunas Honda Pramuka Employees with Psychological Capital as a Mediating Variable Nabila; Febrianty; Ayu Nursari
Asia Pacific Journal of Business Economics and Technology Vol. 6 No. 02 (2026): April - Mei
Publisher : Cita Konsultindo Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.98765/apjbet.v6i02.332

Abstract

This study aims to analyze the effect of competence, psychological empowerment, and organizational resilience on employee performance at Tunas Honda Pramuka, with psychological capital as a mediating variable. Previous studies have widely examined employee performance from the perspectives of competence, empowerment, and organizational support; however, limited research has integrated these factors with psychological capital in the context of automotive dealership employees. This study used a quantitative explanatory approach. Primary data were collected through questionnaires distributed to 100 employees of Tunas Honda Pramuka using a saturated sampling technique. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS. The results show that competence, psychological empowerment, and organizational resilience do not have a positive and significant direct effect on employee performance. Psychological capital also does not mediate the relationship between competence and employee performance. However, psychological capital mediates the relationship between psychological empowerment and employee performance, as well as organizational resilience and employee performance. In addition, psychological capital has a positive and significant effect on employee performance. This study contributes to human resource management literature by emphasizing psychological capital as a key internal resource for improving employee performance in automotive service organizations.
How Is Earnings Management Developing In Asia Pacific: A Scoping Review Nurchita Arliza; Nurika Restuningdiah; Diana Tien Irafahmi
Asia Pacific Journal of Business Economics and Technology Vol. 3 No. 04 (2023): August
Publisher : Cita Konsultindo Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.98765/apjbet.v3i04.171

Abstract

This study aims to map the development of earnings management research in the Asia Pacific. The scoping review method used in this study follows the protocol from Arksey and O'Malley (2005), which has five stages, namely (1) identifying research questions; (2) identifying relevant studies; (3) study selection; (4) creating data graphs; and (5) compiling, summarizing and reporting the results. The scope of this study uses 16 countries in the Asia Pacific with an observation period of 23 years (1998-2021). The sample of this study was 98 article data obtained from electronic database websites, namely Emerald Publish, Sage Journals, Science Direct, Springer, Taylor & Francis and Wiley. This mapping analysis shows that most of the research has been carried out in Malaysia, Australia and India. While Vietnam is the most minor area and requires further study and research related to earnings management. In addition, the governance structure consisting of institutional ownership, board of directors, CEO and audit committee is the most widely studied research. Meanwhile, cultural, language and religious factors still need to be studied. This research is expected to provide insights related to research that has yet to be covered and requires further research related to earnings management conducted in the Asia Pacific.
Corporate Governance and Legal Compliance in State Owned Banks Hasnah Aziz; Dhian Tyas Untari; Firman Maulana; Ahmad Syarif; Nyayu Maya Ardini
Asia Pacific Journal of Business Economics and Technology Vol. 6 No. 02 (2026): April - Mei
Publisher : Cita Konsultindo Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.98765/apjbet.v6i02.325

Abstract

This paper examines the relationship between corporate governance practices and legal compliance in state-owned banks. It focuses on how governance structures, including board oversight, transparency, and accountability mechanisms, influence the ability of these institutions to comply with regulatory requirements. The study highlights the unique challenges faced by state-owned banks, such as political influence, dual objectives of profitability and public service, and complex stakeholder environments. It argues that strong corporate governance frameworks play a critical role in ensuring consistent legal compliance and reducing risks associated with mismanagement and regulatory breaches. Furthermore, the paper provides insights into how improving governance standards can enhance institutional credibility, financial stability, and public trust. The findings underscore the importance of aligning governance practices with legal obligations to strengthen the overall performance and sustainability of state-owned banks.
Regulating Financial Technology: Legal Challenges and Opportunities in the Digital Economy Cory Kartika Putri; Andi Adri Agus; Wachid Maulana; Ahmad Nuradi; Hasna Aziz
Asia Pacific Journal of Business Economics and Technology Vol. 6 No. 02 (2026): April - Mei
Publisher : Cita Konsultindo Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.98765/apjbet.v6i02.326

Abstract

The rapid growth of financial technology (fintech) has transformed the structure and delivery of financial services in the digital economy. This paper examines the evolving legal landscape governing fintech, highlighting key regulatory challenges and emerging opportunities. It explores how innovations such as digital payments, peer-to-peer lending, and blockchain-based systems disrupt traditional financial frameworks, creating gaps in existing legal regimes. The study analyzes issues related to consumer protection, data privacy, cybersecurity, and cross-border transactions, emphasizing the need for adaptive and harmonized regulations. Furthermore, it discusses the role of regulatory bodies in balancing innovation with risk mitigation to ensure financial stability. By reviewing comparative regulatory approaches across jurisdictions, this paper identifies best practices and policy recommendations for effective fintech governance. The findings suggest that a flexible, technology-neutral, and collaborative regulatory framework is essential to foster innovation while safeguarding public interests in the increasingly interconnected global financial system.
Legal Implications of Financial Technology in Emerging Markets Hasnah Aziz; Agustine Susi Mulyati; Donny Ferdiansyah; Muhammad Ali Mustofa; Toyib Zainal
Asia Pacific Journal of Business Economics and Technology Vol. 6 No. 02 (2026): April - Mei
Publisher : Cita Konsultindo Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.98765/apjbet.v6i02.327

Abstract

The rapid growth of financial technology (fintech) has transformed the structure and delivery of financial services in the digital economy. This paper examines the evolving legal landscape governing fintech, highlighting key regulatory challenges and emerging opportunities. It explores how innovations such as digital payments, peer-to-peer lending, and blockchain-based systems disrupt traditional financial frameworks, creating gaps in existing legal regimes. The study analyzes issues related to consumer protection, data privacy, cybersecurity, and cross-border transactions, emphasizing the need for adaptive and harmonized regulations. Furthermore, it discusses the role of regulatory bodies in balancing innovation with risk mitigation to ensure financial stability. By reviewing comparative regulatory approaches across jurisdictions, this paper identifies best practices and policy recommendations for effective fintech governance. The findings suggest that a flexible, technology-neutral, and collaborative regulatory framework is essential to foster innovation while safeguarding public interests in the increasingly interconnected global financial system.
Fintech and Financial Inclusion: Legal Opportunities and Barriers Hasnah Aziz; La Ilman; M. Umar Kelibia; Ide Raunas; Harmoko
Asia Pacific Journal of Business Economics and Technology Vol. 6 No. 02 (2026): April - Mei
Publisher : Cita Konsultindo Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.98765/apjbet.v6i02.328

Abstract

This paper examines the role of financial technology (fintech) in advancing financial inclusion while highlighting the legal opportunities and barriers that shape its development. Fintech has emerged as a transformative force, enabling access to financial services for underserved and unbanked populations through digital platforms, mobile banking, and innovative payment systems. The study explores how regulatory frameworks can facilitate innovation by promoting competition, consumer protection, and financial stability. At the same time, it identifies key legal challenges, including regulatory uncertainty, data privacy concerns, cybersecurity risks, and compliance costs that may hinder fintech expansion, particularly in emerging markets. Using a qualitative approach based on secondary data and comparative legal analysis, this paper evaluates different regulatory models and their effectiveness in balancing innovation with risk mitigation. The findings suggest that adaptive and inclusive legal frameworks are essential to maximize fintech’s potential in promoting equitable financial access. The paper concludes by recommending policy strategies that support innovation while ensuring accountability and trust in digital financial ecosystems.
Digital Transformation and Inclusive Economic Development in Indonesia: Human Development as a Conditional Regional Factor Syamsul Huda
Asia Pacific Journal of Business Economics and Technology Vol. 6 No. 03 (2026): June-July
Publisher : Cita Konsultindo Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.98765/apjbet.v6i03.335

Abstract

This article critically examines how digital transformation is associated with inclusive economic growth across Indonesian provinces and whether human development conditions that relationship. The study uses provincial panel data for 2017 to 2023 and applies panel regression with an interaction specification. Inclusive growth is represented by the income distribution and poverty reduction dimension of the inclusive economic development index, while digitalization is proxied by the information and communication technology development index. The empirical pattern suggests that digitalization is positively related to inclusive growth. However, the interaction between digitalization and human development is negative and statistically meaningful, indicating that higher human development does not automatically intensify the inclusive benefits of technology. A sub sample reading reveals different regional dynamics. Digitalization appears to expand economic access in provinces with lower human development, whereas in more developed provinces it may concentrate gains among workers and firms with stronger digital capability. The article argues that digitalization should not be treated as a socially neutral development instrument. Its inclusive value depends on the distribution of skills, infrastructure, labor protection, and regional absorptive capacity. Policy responses therefore need to be differentiated, with basic access and literacy prioritized in lagging regions and advanced digital skills, labor transition support, and platform regulation strengthened in more developed regions.
The Effect Of Trustworthiness, Expertise, Attractiveness, And Online Customer Review On Purchase Intention In Madiun Khamima Nurizzah; Hendra Setiawan; Sulthan Misbahul Ghifaari
Asia Pacific Journal of Business Economics and Technology Vol. 6 No. 03 (2026): June-July
Publisher : Cita Konsultindo Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.98765/apjbet.v6i03.337

Abstract

This study aims to empirically examine the influence of trustworthiness, expertise, attractiveness, and online customer review on consumers’ purchase intention in culinary products within the Madiun area, with a case study on TikTok followers of @tio_philus. The research employed a quantitative method with a sample of 384 TikTok users residing in Madiun who interact with the @tio_philus account. The research instrument was a questionnaire distributed online via Google Form and measured using a Likert scale. The data analysis technique used was multiple linear regression analysis with the assistance of SPSS software. The findings of this study indicate that: (a) Trustworthiness has a positive and significant effect on consumers’ purchase intention, (b) Expertise has a positive and significant effect on consumers’ purchase intention, (c) Attractiveness has a positive and significant effect on consumers’ purchase intention, and (d) Online Customer Review has a positive and significant effect on consumers’ purchase intention toward culinary products promoted by @tio_philus through TikTok in the Madiun area.

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