Abstract:Digital transformation in the financial sector encourages the adoption of Artificial Intelligence (AI) in early warning systems to improve the effectiveness of risk detection and mitigation. This study aims to identify and…
nd analyse the challenges and opportunities of AI implementation in the financial sector early warning system through the literature review method. The results show that AI offers great opportunities in improving fraud detection accuracy, operational efficiency, service personalisation, and data-driven decision making. However, AI implementation also faces significant challenges, such as data quality and security issues, risk of algorithm bias, limited human resources, and the need for adaptive regulation and governance. Optimising these opportunities and mitigating these challenges requires a comprehensive strategy that includes strengthening data governance, improving cybersecurity, developing human resources, and collaborating with regulators. With the right approach, AI can be a key foundation in strengthening the resilience and competitiveness of the financial sector in the digital era.
Abstract:This study aims to understand how price sensitivity and limited purchasing power of students affect their purchasing decisions, and how service quality can play a role in increasing customer satisfaction and loyalty. This…
s study is a quantitative study using a causal-comparative approach. This sampling is done using a purposive sampling technique. The researcher aims to collect data from 189 respondents with different backgrounds and characteristics. This research method uses IBM SPSS Statistics 26 software. The first hypothesis in this study is accepted because there is a positive influence between discounts on purchasing decisions. The second hypothesis can also be accepted because there is a positive influence between service quality on purchasing decisions. Price reductions in the form of discounts can increase the attractiveness of a product, make it more affordable, and motivate consumers to buy the product compared to products with normal prices. Quality service can increase customer satisfaction, which ultimately encourages consumers to make purchases. Consumers tend to prefer companies that provide a satisfying service experience because they feel appreciated and cared for. Good service quality will also increase consumer trust in the company, which is a key factor in making purchasing decisions. The limitations of this study were only conducted on students at Yogyakarta State University, so the results may not fully represent the general population of Grab Food users. Researchers examined discounts and service quality as independent variables. The data collected may only reflect conditions at a certain time. Respondents who are students may provide biased answers, especially if they feel that the questions in the questionnaire are too directed or less relevant.
Abstract:This study investigates the revitalization and preservation of indigenous Ghanaian textiles in contemporary fashion design, emphasizing their cultural significance, economic potential, and modern challenges. Traditional…
textiles such as “kente”, “kete”, “adinkra”, and “fugu”/ “batakari” are central to Ghana’s cultural heritage, symbolizing identity and tradition. However, the industry faces hurdles including high production costs, competition from cheaper imports, and diminishing traditional knowledge among younger generations. Adopting a qualitative approach, the research utilized interviews, focus group discussions, and observations involving artisans, fashion designers, educators, and consumers. Findings reveal that despite the immense value of indigenous textiles, their integration into modern fashion is impeded by limited access to raw materials, fluctuating market demand, and inadequate artisan support. Innovative designers, however, are blending traditional textiles with contemporary trends, showcasing adaptability and global appeal. The study recommends strategies such as public education campaigns, financial and technical support for artisans, and stronger intellectual property protections. Promoting sustainable practices, addressing regional production disparities, and fostering designer-artisan collaborations are also key to the industry’s sustainability. This research underscores the role of Ghanaian textiles in economic empowerment and cultural preservation, advocating for a balanced approach that merges tradition with modern innovation to ensure global relevance and sustainability.
Abstract:This study aims to explore the role of Blackboard technology in transforming the school system and processes in Nigerian tertiary institutions. Blackboard technology is a learning management system that provides a virtual…
l platform for educators and students to interact and engage in the learning process. The study begins by examining the current state of the Nigerian tertiary education system and the challenges it faces. These challenges include limited access to quality education, outdated teaching methods, and inadequate infrastructure. The introduction of Blackboard technology has the potential to address these challenges and bring about much-needed transformation. The study then delves into 25 various studies right from twenty years back that pave the ways in which Blackboard technology can transform the school system and processes. Firstly, benefits of blackboard technology in Nigerian tertiary institutions, allowing students to access educational resources and participate in classes from anywhere, at any time. This is particularly beneficial for students in remote areas or those with limited mobility. Secondly, addressing infrastructure and technological challenges in Nigeria. By providing a platform for sharing course materials, submitting assignments, and engaging in discussions. This enhances collaboration and interaction, leading to a more engaging and interactive learning experience. Furthermore, Blackboard technology supports personalized learning. It allows educators to create customized learning paths and tailor educational content to individual students' needs and learning styles. This promotes student-centered learning, encouraging active participation and improving learning outcomes.
Abstract:This study aims to explore and understand the dynamics of community participation in the village development planning process (Musrenbangdes) in Tambayoli Village, Soyo Jaya District, North Morowali Regency. Using a qualitative…
itative approach, data were collected through purposive sampling, open data collection methods, and analysis of both textual and visual materials. The primary methods of data collection included participatory observation, in-depth interviews, and document review. The findings reveal that, although some awareness of Musrenbangdes has been achieved through existing announcement systems, the overall effectiveness of community participation remains limited. Many residents perceive the process as a formality, with decisions dominated by specific stakeholders, leading to low levels of trust and engagement. The study identifies significant barriers to active participation, such as inadequate information dissemination, lack of transparency, and limited involvement in both the implementation and benefit-sharing of development projects. The research suggests that for Musrenbangdes to be more effective, there needs to be a concerted effort to enhance transparency, ensure equitable information distribution, and create a more inclusive participatory framework. These findings have implications for improving governance and promoting sustainable development at the village level.
Abstract:The agreement providing a corporate guarantee does not provide a limit on the nominal amount that will be guaranteed by the corporate guaranteed provider because the corporate guarantee provider will guarantee the entire…
debt including interest, fines, fees and other amounts of money that must be paid. In Indonesian limited liability company law, directors are required to seek shareholder approval in the case of pledging more than fifty percent of the company's assets, but in practice, approval from shareholders is not always required to provide a corporate guarantee. Especially in the case of corporate guarantees known as limited corporate guarantees, where the guarantee value does not exceed fifty percent of the Company's total assets. The aim of this research is to analyze the legal certainty of providing corporate guarantees without shareholder approval for credit applications whose value is less than fifty percent of the Company's assets. This type of research is normative juridical, namely a type of research with a conceptual approach. This research has the result that a corporate guaranteed agreement to guarantee the value of a credit facility whose value is not more than 50% of the company's assets provided without shareholder approval does not provide legal certainty.
Abstract:Planning is a number of activities that are determined in advance to be carried out in a certain period in order to achieve the set goals. Planning is the most important process of all management functions because without…
t planning other functions, organizing, directing and controlling will not be able to run. Meanwhile, the budget is a tool for the Government to direct and ensure the continuity of development, as well as improving the quality of life of the community. A budget is needed because the needs and desires of society are unlimited and continue to grow, while existing resources are limited. This research aims to determine the consistency of planning and budgeting for program activities at the Sukabumi Regency Population and Civil Registration Service for 2021-2023 using theory according to the PEACH (Public Expenditure Analysis and Capacity Harmonization) program developed by the World Bank. The research was carried out using a qualitative approach with a descriptive method with a sampling technique using a purposive sampling technique with the informants being the Head of Service, Secretary of the Service, Head of Subdivision and the Regional Budget Team (TAPD). The data collection technique used is through observation, interviews and documentation and the researcher as a human instrument. Then the data validation used is a credibility test through triangulation, namely technical triangulation, source triangulation and technical triangulation, then in data analysis the researcher reduces the data, presents the data and draws conclusions. The research results and conclusions obtained include Consistency in Planning and Budgeting for Activity Programs at the Sukabumi Regency Population and Civil Registration Service in terms of the process of preparing activity program planning and budgeting which has not been fully implemented consistently every year.
Abstract:Taxes play an essential role in realizing the vision of "Indonesia Emas 2045". Low tax ratios and voluntary taxpayer compliance influence the achievement of tax revenues. The causal factor is that the quality of education…
n provided is not optimal because the number of tax educators is still limited. The DGT report stated that digital competence, knowledge sharing, and tax instructors' work motivation needed to be improved. This research aims to determine the effect of digital competence and knowledge sharing on employee performance with work motivation as an intervening variable for tax educators at the Directorate General of Taxes. The research methodology uses quantitative survey methods. The population is 2,340 employees, with a total of 342 respondents. The hypothesis was tested using PLS-SEM analysis using Smart-PLS version 4, SPSS Version 27, and the Embedded Two-Stage Approach method. The research results show that digital competence and work motivation have a significant positive influence on employee performance. Knowledge sharing does not have a significant effect on employee performance. Digital Competence and Knowledge Sharing positively and significantly affect work motivation. Work motivation significantly mediates the indirect effect of digital competence and knowledge sharing on employee performance.
Abstract:This research is to determine the effectiveness of the scholarship program for North Morowali Regency students. This analysis uses qualitative research with a descriptive approach. The informants for this research were the…
he Head of the Department and Secretary of the Regional Education and Culture Service of North Morowali Regency, as well as three students who received regional scholarships. Information collection uses information techniques, interviews and documentation. In this research, data analysis uses the data condensation framework, data presentation, and drawing conclusions by Miles and Huberman. Meanwhile, the effectiveness indicators used in this research are Program Success, Target Success, Program Satisfaction, and Input and Output Levels. The conclusion of this research is that of the four indicators, target success has not gone well. The aspect of access to information by students is limited. Meanwhile, the other three indicators based on research have been running effectively.
Abstract:The pursuit of corporate value is crucial in corporate finance discussions, especially for companies listed on stock exchanges like the Indonesia Stock Exchange (IDX). This study investigates the influence of corporate policies…
olicies and financial performance on firm value in the Property and Real Estate sector from 2017 to 2022, with macroeconomic factors as moderating variables. Using secondary data and panel data regression analysis, the study finds that debt to equity ratio, return on equity, and return on asset positively affect firm value, with interest rates moderating the relationship between debt policy and firm value. However, the study has limitations, including its sectoral and temporal focus and limited variables, suggesting avenues for future research to enhance understanding and applicability.