Abstract:The problem of poverty is still the main challenge for development in rural areas of Indonesia. Limited employment opportunities and low access to productive economic activities cause some village communities to be economically…
mically vulnerable. One of the sectors that is considered to have great potential in reducing poverty levels is Micro, Small, and Medium Enterprises (MSMEs). This article aims to conceptually examine the role of MSMEs in efforts to reduce poverty in rural communities by taking the context of Bantaeng Regency. The writing method uses a qualitative-descriptive approach through literature studies of scientific journals, reference books, and relevant official government documents published in the last five years. The results of the study show that MSMEs play a role as a driver of the local economy through the creation of job opportunities, increasing household income, and strengthening the economic independence of communities based on local potential. However, the development of MSMEs in rural areas is still faced with various structural obstacles, such as limited capital, low managerial capacity of business actors, and limited market access. Therefore, policy support and cross-stakeholder synergy are needed to optimize the role of MSMEs as an instrument to reduce poverty in rural areas
Abstract:Introduction: The rapid development of artificial intelligence (AI) and digital transformation has created both challenges and opportunities for graduate employability, making digital literacy increasingly important in the…
he labor market. This study aims to analyze the effect of AI technological disruption and digital literacy on the employability of FEBI UIN Ar-Raniry alumni.
Methods: This research employs a descriptive quantitative approach involving 138 alumni selected through snowball sampling. Data were analyzed using validity and reliability tests, classical assumption tests, multiple linear regression, and hypothesis testing (t-test, F-test, and coefficient of determination) using RStudio.
Result: The findings demonstrate that AI technological disruption and digital literacy have a significant positive effect on employability, both individually and simultaneously.
Abstract:The development of financial technology has encouraged the transformation of the digital payment system in Indonesia, one of which is through the implementation of the Quick Response Code Indonesian Standard (QRIS) developed…
oped by Bank Indonesia to integrate various QR code-based payment services. This payment system is expected to be able to improve transaction efficiency, speed up the payment process, and expand financial inclusion for Micro, Small, and Medium Enterprises (MSMEs). However, the adoption rate of digital payment technology in the MSME sector still faces various challenges, both related to technological aspects, user psychological factors, and the influence of the social environment. This study aims to systematically examine the influence of constructs in the Unified Theory of Acceptance and Use of Technology (UTAUT3) on the interest of MSMEs in using the QRIS payment system at Bank Syariah Indonesia with trust and perceived ease of use as mediation variables. The research method used is Systematic Literature Review (SLR) with the PRISMA approach to identify, select, and analyze relevant scientific articles in the 2020–2025 period. The literature search process produced 2,395 articles from a database of reputable scientific journals, then an elimination process was carried out based on inclusion and exclusion criteria so that 71 articles were obtained that were eligible for further analysis. The study stages were carried out systematically through the process of identification, screening, feasibility assessment, and determination of final articles. The results of the study show that the main constructs in the technology acceptance model such as performance expectancy, effort expectancy, social influence, and facilitating conditions have an important influence on interest in using digital payment technology. In addition, additional factors such as trust and perceived ease of use have been proven to act as mediating variables that strengthen the relationship between technology construct and the intention to use QRIS by MSME actors. Trust in system security and ease of use of technology are crucial factors in increasing user confidence in digital payment services, especially in the context of Islamic banking-based financial services. The findings of this study provide a theoretical contribution to the development of a digital payment technology acceptance model based on UTAUT3 and provide practical implications for financial institutions and regulators in increasing the adoption of QRIS among MSME actors. The next research is suggested to develop an empirical model with a quantitative approach to test the relationship between variables more comprehensively in the context of the digital economy in Indonesia.
Abstract:This study aims to examine the partial influence of firm size, firm value, and systematic risk on stock returns of companies in the property and real estate sector listed on the Indonesia Stock Exchange during the 2020 –2024…
��2024 period. The research employs a quantitative approach and utilizes documentation methods. The population of this study consists of all property and Real estate sector companies within the 2020 –2024 period, The sample was selected using purposive sampling based on predetermined criteria, resulting in 14 companies. Panel data regression analysis was conducted using the Economic Views (EViews) version 12 software. The findings of the study reveal that, Firm size has a positive and significant effect on stock returns of property and real estate sector companies during the 2020–2024 period. Furthermore, firm value (PBV) is shown to have a positive and significant effect on stock returns, and systematic risk (Beta) likewise exerts a positive and significant influence on stock Returns within the same period.
Abstract:Abstract also written in English containing key issues, objectives, methods and results. Abstract This study examines the role of service creativity in the performing arts ecosystem within the context of cultural tourism,…
m, highlighting how service processes contribute to value creation beyond the artistic aspect. Cultural tourism has shifted from an object-based orientation to an experiential one, understanding performing arts not merely as a creative product but as an experience constructed through interactions between service providers and consumers. In this context, service becomes an integral part of the value creation process and audience satisfaction. This research uses a qualitative approach with a single case study method at PT Mata Hati Kitapoleng, a performing arts company in Bali. Data collection was conducted through in-depth semi-structured interviews and non-participatory observation. This research focuses on how service creativity is built through organizational processes, interactions, and practices. The results show that service creativity is formed through a structured yet flexible process, which integrates empathy for consumers, team collaboration, idea exploration, and continuous evaluation. The design thinking approach enables companies to deeply understand consumer needs and translate them into personalized and meaningful experiences. Service in this context is understood as a co-creative process, where consumers play an active role in shaping the final outcome. Furthermore, consumer satisfaction is influenced by various factors, such as trust, production and financial efficiency, innovation capacity, and evaluation and feedback mechanisms. This research confirms that service creativity is a strategic element in enhancing the competitiveness and sustainability of performing arts businesses within the cultural tourism ecosystem.
Abstract:This narrative review explores whether high-potential workers (HiPo) within Indonesian organizations across various sectors consistently exhibit elevated levels of emotional intelligence (EI), and it assesses the relevance…
ce of the Competency Based Model proposed by Boyatzis in the identification and development of HiPos. The review compiles freely accessible scholarly articles from 2024 to 2025, with a focus on research from Indonesia and includes one primary benchmark study on high-potential individuals for comparison, as studies specific to Indonesian HiPo are scarce. Findings reveal that being classified as a HiPo does not necessarily correlate with having high EI. Research directly related to high potential employees indicates that cognitive-intrapersonal skills such as initiative, desire for learning, and the ability to think outside conventional limits are stronger indicators of high potential than emotional-interpersonal skills. Research from various Indonesian sectors, including manufacturing, energy, construction, and public services, suggests that while EI plays a significant role in enhancing employee productivity, work performance, job satisfaction, and effectiveness in management, its influence typically operates through mediating factors instead of serving as a direct predictor. Furthermore, talent management research in Indonesia shows that numerous organizations still depend on performance evaluations and fragmented methods instead of comprehensive competency frameworks. This review concludes that the Competency Based Model is relevant in Indonesian organizations across different sectors; however, it should be viewed as encompassing a range of competencies rather than a single attribute. While EI is valuable, it is not an essential or sufficient criterion for determining high-potential employees.
Abstract:This study aims to examine the effect of balancing funds and capital expenditure on financial performance. A quantitative approach with an associative research design was employed. The population consists of city governments…
ents in East Java Province, with a sample of seven cities selected using purposive sampling, resulting in 21 observations during the 2022–2024 period. Data were collected through documentation and analyzed using the SEM-PLS method. The results show that both balancing funds and capital expenditure do not have a significant effect on financial performance. In terms of direction, balancing funds have a negative relationship, while capital expenditure has a positive relationship, although both are statistically insignificant. The coefficient of determination (R² = 0.182) indicates that these variables explain only 18.2% of financial performance, while the remaining 81.8% is influenced by other factors outside the model.
Abstract:This study aims to analyze the influence of Halal Awareness and Product Knowledge on Purchase Intention and its impact on Brand Loyalty of halal cosmetic products. This research employs a quantitative approach using the…
accidental sampling method, where respondents consist of consumers who have purchased and used halal cosmetic products. A total of 100 respondents participated in this study. Data were collected through online questionnaires and analyzed using the Partial Least Squares (PLS) method with SmartPLS 3 software. The results indicate that Halal Awareness and Product Knowledge have a positive and significant effect on Purchase Intention. Furthermore, Purchase Intention has a positive and significant effect on Brand Loyalty. Halal Awareness and Product Knowledge also have a positive and significant direct effect on Brand Loyalty. In addition, the indirect effect analysis reveals that Purchase Intention significantly mediates the influence of Halal Awareness and Product Knowledge on Brand Loyalty. These findings highlight the crucial mediating role of Purchase Intention in linking halal awareness and product knowledge with halal cosmetic brand loyalty. Therefore, halal cosmetic manufacturers are encouraged to continuously strengthen the communication of halal values and product education to build strong purchase intention and drive sustainable brand loyalty.
Abstract:This research investigates how financial literacy affects the financial behaviors of students on Lombok Island. Utilizing a quantitative methodology, the study surveyed 110 students to gather relevant data. The findings…
reveal that a higher level of financial literacy has a substantial positive impact on students' financial habits and decision-making processes. Conversely, the role of financial technology (fintech) was found to be substantial in influencing or moderating these behaviors within the studied population. The conclusion emphasizes the importance of enhancing financial literacy programs to foster more responsible and informed financial practices among students. Developing such initiatives can contribute to better financial stability and decision-making skills in the future
Abstract:The rapid growth of the telecommunications industry, driven by increasing demand for digital services, is not always accompanied by stable financial performance due to cost pressures, competition, and infrastructure investment…
stment requirements. This condition requires companies to manage their finances effectively, making financial ratio analysis important in evaluating corporation performance. This study aims to analyze the effect of activity ratios, liquidity ratios, and solvency ratios on the financial performance of telecommunication companies listed on the Indonesia Stock Exchange during the 2022–2024 period. This research uses a quantitative approach with a descriptive research design. The data used are secondary data obtained from financial statements. The sampling technique uses purposive sampling with 18 companies over a three-year period, resulting in 54 observations. The analysis method used is multiple linear regression with SPSS. The independent variables include activity ratio (TATO), liquidity ratio (CR), and solvency ratio (DER), while the dependent variable is financial performance (ROE). The outcome show that partially, the activity ratio does not have a substantial effect on financial performance. Meanwhile, liquidity and solvency ratios have a negative and substantial effect on financial performance. Simultaneously, all three ratios have a substantial effect on financial performance. These findings indicate that financial performance is influenced by asset management, the ability to meet obligations, and capital structure.