Abstract:The development of digital payment systems has driven the increasing use of the Indonesian Standard Quick Response Code (QRIS) as a practical and integrated cashless transaction method. Although QRIS adoption continues to…
o increase, its continued use is still influenced by trust, perceived risk, and the prevalence of fraud in digital transactions. This study aims to analyze the influence of trust and risk on QRIS use, with fraud as a moderating variable, in the city of Bandung. This study used a quantitative approach with a survey of 200 QRIS user respondents. The data analysis technique used was Structural Equation Modeling based on Partial Least Squares (SEM-PLS). The results showed that trust had a positive and significant effect on QRIS use, while risk had a negative and significant effect. Furthermore, fraud moderated the relationship between trust and QRIS use by weakening the influence of trust, and moderated the relationship between risk and QRIS use by strengthening the influence of risk. These findings confirm that although QRIS offers convenience and efficiency, perceptions of risk and fraud remain crucial factors influencing usage behavior. This research is expected to provide theoretical contributions to the development of digital payment technology adoption models and provide practical implications for regulators, payment service providers, and MSMEs in strengthening security, improving digital literacy, and building user trust in the QRIS payment system.
Abstract:This study aims to assess the financial performance of PT Global Teleshop Tbk for the period 2017–2021 based on liquidity, profitability, solvency, and activity ratio analysis. The research uses a descriptive qualitative…
ve method. The population consists of the financial statements of PT Global Teleshop Tbk, with the sample being the company's financial reports from the last five years (2017–2021). The data analysis uses financial ratios. The results show that: (1) The liquidity ratio analysis indicates good financial performance, as shown by the increasing Current Ratio (CR) and Quick Ratio (QR), demonstrating the company's improving ability to meet short-term liabilities with liquid current assets, although the QR still falls into the less optimal category; (2) The profitability ratio analysis indicates poor performance, with low Net Profit Margin (NPM) and Return on Equity (ROE), showing the company's limited ability to generate profits from shareholders' funds; (3) The solvency ratio analysis shows weak financial performance, with Debt to Asset Ratio (DAR) and Debt to Equity Ratio (DER) indicating the company’s inability to cover total liabilities with its assets; (4) The activity ratio analysis, based on Total Asset Turnover (TATO) and Working Capital Turnover (WCT), also suggests poor performance due to declining asset turnover and ineffective management of working capital.
Abstract:PT Angkasa Pura 1 (Persero) is an airport service company that earns revenue from Aeronautical and Non-Aeronautical services. In this study we will examine the implementation of an internal control system for trade receivables…
vables related to money deposited at PT Angkasa Pura 1 Manado Branch. To analyze this problem, we used a descriptive qualitative case study method, using primary and secondary data. The results show that the application of the Internal Control System to trade receivables is not in accordance with the AIS standard. Where, companies should tighten regulations regarding credit payments, and require additional documents for transfer payments. So that transfer errors from tenants can be quickly confirmed, and recording does not need to be done in the Custody Account. Also implementing Virtual Accounts in the future to facilitate transactions and recording in the future.
Abstract:Human resource planning in the industrial revolution of the society 5.0 era must be carried out carefully, strategically and effectively in responding to the challenges of human resources that have flexibility that changes…
es very quickly. The purpose of this research is to provide an explanation of the study of the role of human resource planning in job analysis and recruitment of human resources within the company, namely by formulating human resource planning steps based on job analysis and explaining the importance of job analysis in developing recruitment and workforce development strategies, and evaluating human resource planning effectively and efficiently by making continuous improvements to the human resource planning that has been arranged in accordance with the vision and mission of the Company. The research method used is descriptive analytical method obtained from secondary data sources taken from journals, articles and books using a qualitative research approach to literature study. The results of this study indicate that HR planning based on job analysis can provide a strategic advantage in managing the workforce in the company so that human resource planning in this study has an important role in job analysis and job analysis provides a strong basis for developing HR strategies, from recruitment to company development
Abstract:The Fifth Industrial Revolution (Industry 5.0) presents both challenges and opportunities for global economic development, where advanced technologies such as Artificial Intelligence (AI), big data, and the Internet of Things…
hings (IoT) are transforming industries and societies. The main challenges include the lack of human capital preparedness to quickly adapt to technological advancements and the low level of environmental awareness in many industrial sectors. Economic growth that focuses excessively on natural resource exploitation exacerbates environmental degradation and climate change. Therefore, collaboration between human resources, technology, and environmental consciousness is essential to achieving sustainable and inclusive development.
This study aims to identify gaps in human resource readiness, technological utilization, and environmental awareness and to propose economic development strategies for the industry 5.0 era that address these challenges. The research method employed is a literature review, analyzing various academic papers, reports, and secondary data from scientific journals, government reports, and industry-related articles. The findings show that technology serves as a primary driver of innovation, but human-technology collaboration is crucial for creating sustainable value. Additionally, the rising environmental awareness offers opportunities for industries to shift towards more eco-friendly business models, such as the circular economy and renewable energy. Collaboration between governments, the private sector, academia, and civil society is needed to realize inclusive and sustainable development in this era.
Abstract:Technology company Apple Inc. is a market leader in IOS-based Smartphone sales. In market control, this company can quickly expand its sales wings with its official distributors to be able to reach several countries, especially…
ecially buyers. The resulting products have a fairly good strategic power targeting the middle to upper segments. The methodology is exposed that the marketing of the products used leads to premium services and digital media-based distribution. The strategy adopted by Apple Inc. has proven to be very effective because the introduction of products that have an exclusive image makes loyal customers wait for the presence of their products until they reach their official distributors. By conducting good research and development (R&D) on its product line, it makes it challenging to run the market to the global corner. This study provides strategy and understanding of the business perspective of Apple Inc. technology.
Abstract:The examination of hemoglobin levels in the elderly is crucial as iron deficiency or anemia is often found in this age group. Various methods of hemoglobin examination are used in healthcare facilities. This study aims to…
o identify the differences in hemoglobin levels using the Dirui BCC-3600 and Quick Check devices in the elderly population at Puskesmas Biromaru. This research is descriptive-comparative in nature. The sample consisted of 30 patients undergoing hemoglobin examination at the Puskesmas Biromaru laboratory between March 29th and April 30th, 2023. The sampling method used was accidental sampling, with venous blood samples from 30 respondents. The results of the study showed that the average hemoglobin level using the Dirui BCC-3600 device was 12.86 g/dL, while with the Quick Check device it was 11.77 g/dL. Normality testing was conducted using the Shapiro-Wilk test, which yielded a p-value of 0.023. A p-value < 0.05 indicates non-normal data distribution, thus followed by the Mann-Whitney test. The Mann-Whitney test resulted in a significant value (p) = 0.011. In conclusion, there is a significant difference in hemoglobin levels using the Dirui BCC-3600 and Quick Check devices in the elderly.
Abstract:Tujuan dari penelitian ini adalah untuk menganalisis pengaruh literasi keuangan dan inklusi keuangan terhadap keputusan penggunaan QRIS pada UMKM yang terdaftar di BNI KCU Merauke. Jenis penelitian ini adalah kuantitatif…
dengan sumber data yaitu data primer. Pengambilan sampel menggunakan teknik probability sampling dengan metode simple random sampling, jumlah sampel didapat sebanyak 60 responden yang dihitung menggunakan rumus Hair, dkk. Analisis data dilakukan dengan regresi linear berganda menggunakan SPSS versi 25. Hasil dari penelitian ini menunjukkan bahwa variabel literasi keuangan dan variabel inklusi keuangan berpengaruh terhadap keputusan penggunaan QRIS pada UMKM yang terdaftar di BNI KCU Merauke. Selain itu, secara simultan variabel literasi keuangan dan inklusi keuangan berpengaruh terhadap keputusan penggunaan QRIS.
Abstract:The Covid 19 pandemic, which has lasted for about three years, has had a significant impact on all aspects of life throughout the world, especially in Indonesia. Every day humans can move quickly and without restrictions,…
, but during the Covid 19 pandemic human movement was limited and restricted by several rules that have been set, including the number of gatherings even in the early days of the Covid 19 pandemic, staying at home or working from home, studying Working from home is mandatory for all levels of society and groups, both in schools, campuses and offices, so that the spread of the Covid 19 virus does not become widespread. This certainly has a significant impact on the speed of the economy, finances and of course the welfare of society. Since March 2022, the poverty rate in Indonesia has increased by 9.54%, and the government is trying to create many programs to eradicate it. This research answers the question: what is meant by poverty? What are the impacts of living in poverty? What is the solution to God’s protection in the post-pandemic extreme poverty phenomenon in Indonesia? The outcomes of using the literature investigate method are listed below: (1) Poverty as a disadvantage to citizens measured in terms of a certain standard of living, which refers to relative poverty designs that carry out similar analyzes in many poor countries. (2) The consequences of living in poverty are worsening health, declining health, and lack of security. (3) Overcoming poverty by enlivening God's protection, namely God's duty to prevent many poor people from becoming protectors of lifestyles, families and church congregations like Christ.
Abstract:Stunting remains a crucial public health issue in Indonesia as it has multidimensional impacts on physical growth, cognitive development, productivity, and the long-term quality of human resources. This study aims to analyze…
lyze the potential application of predictive Artificial Intelligence (AI)-based Wearable Health Technology in preventing child stunting, with an emphasis on the integration of technology into the health system, socio-cultural interrelations, and ethical dimensions that need to be anticipated. The research employed a qualitative approach through a systematic literature review, analysis of national health policies, and examination of reports on the implementation of digital health technologies related to child health. The results indicate that wearable devices are effective in recording health indicators in real-time, while predictive AI algorithms enable early detection of stunting risks, allowing interventions to be carried out quickly, accurately, and in a personalized manner. However, the success of implementation is highly dependent on the support of the digital health ecosystem, including adaptive regulations, infrastructure readiness, digital literacy among communities, as well as multi-stakeholder collaboration involving the government, medical professionals, the technology industry, and families. This study affirms that the integration of Wearable Health Technology and predictive AI is not merely an additional tool in medical services, but rather a representation of a health system transformation towards a more preventive, predictive, precise, and participatory paradigm. Thus, the utilization of evidence-based digital innovations has the potential to strengthen the effectiveness of stunting prevention programs in Indonesia while accelerating the achievement of national health development targets within the context of technological disruption and global dynamics.