A5028974683- FinTech, Crowdfunding, Digital Finance
- Microfinance and Financial Inclusion
- Employee Performance and Leadership
- Employee Performance and Management
- Financial Literacy and Behavior
- Islamic Finance and Banking Studies
- SMEs Development and Digital Marketing
- Employee Performance and Motivation
- Taxation and Compliance Studies
- Financial Literacy, Pension, Retirement Analysis
- Financial Analysis and Corporate Governance
- Corporate Social Responsibility Disclosure
- Corporate Governance and Financial Management
- Blockchain Technology Applications and Security
- Insurance and Financial Risk Management
- Blockchain Technology in Education and Learning
- Financial Markets and Investment Strategies
- Banking stability, regulation, efficiency
- Transportation Planning and Optimization
- Health, Technology, Consumer Behavior
- Consumer Behavior in Brand Consumption and Identification
- Marriage and Family Dynamics
- Experimental Behavioral Economics Studies
- Educational Methods and Impacts
- Impact of AI and Big Data on Business and Society
Universitas Patria Artha
2019-2024
Bank Indonesia
2013-2024
Padjadjaran University
2015-2020
Purpose This paper aims to highlight the existence of illegal peer-to-peer (P2P) lending in Indonesia, unethical practices P2P operators borrowers, regulatory weaknesses and offer recommendations reduce practices. Design/methodology/approach is a general discussion through desk research using secondary data from journal papers, reports, books papers online. Findings There are regulating lending. no strict legal sanctions for who act unethically borrowers. Originality/value discusses actions...
Purpose The purpose of this paper is to highlight the causes fraud in rural banks Indonesia and provide recommendations reduce these financial crimes. Design/methodology/approach This desk research using secondary data from reports, journal articles, magazine articles online news related cases banks. Fraud Diamond approach applied analyze problems. Findings Financial non-financial pressures, opportunities that are open because weak oversight governance, justification capability perpetrators...
Purpose This paper aims to identify psychological factors that influence people be involved in Ponzi and pyramid schemes. Design/methodology/approach A approach finance or behavioural is applied this research because of the assumption human beings are not always rational. The sample consisted 98 investors 11 cities Indonesia who were had invested an investment program with a scheme. snowball sampling technique was applied. Findings conclusion optimism (emotional bias), confirmation bias,...
The aim of this research is to examine empirically the influence financial literacy on investment decisions through ponzi and pyramid schemes. Variables embedded were Social Economic Characteristics, Financial Literacy Investments Decision. population study people who invest their money a Ponzi scheme scheme. sampling method applied was snowball 43 respondents. Based from result, it concluded that social economic characteristics, positively influences literacy. While, influenced decision It...
The development of financial technology made many changes, including Islamic finance. This paper reviews how fintech is changing the shape finance industry through mobile payments, microfinance, peer-to-peer lending, and crowdfunding. use e-wallet as long it does not violate provisions. Microfinance cannot be separated from if we want to increase social welfare inclusive growth encourage distribution wealth. microfinance structure can deal with problem poverty. appropriate fair crowdfunding...
This paper aims to propose some behavioural biases of trading in Bitcoin. It is review literature the areas finance that address issues related Bitcoin underpin conceptual model. A model for understanding bias affects investing cryptocurrency proposed. The are herding, optimism, overconfidence, confirmation bias, loss aversion, and gamblers’ fallacy. ought fill research gap on from behavioral perspective. implies prices transactions more determined by psychological factors.
Financial literacy literatures suggested that people in many countries were financially illiterate. Even though financial had quoted mostly research, this concept rarely examined on the population group of fishermen. The purpose study was to examine their personal and relationship between household saving. data for gathered during January-June 2014 through questionnaires, conveniently distributed a fishermen age 25 50 years old Regency Brebes, Tegal Pekalongan, Central Java, Indonesia....
This research challenges the traditional perspective on consumer behavior, which focuses external factors shaping sequential stages of decision-making. Instead, it proposes a paradigm shift by treating decision-making process itself as an independent variable, exploring its impact various outcomes like purchasing brand loyalty, and post-purchase satisfaction. novel approach offers deeper insights into intricacies particularly in digital age. By uncovering reciprocal relationships between...
Purpose This paper aims to highlight the corruption mode of village funds in Indonesia and provide recommendations reduce such crime. Design/methodology/approach uses Diamond Fraud theory explain why continues, using secondary data from journal articles, research reports websites. Findings Corruption is carried out through fund misuse, cover-up, fictional reports, fictitious activities projects budget markup. Practical implications Prevention detection fraud can be more effective when...
This study aims to determine the differences in consumer behaviour before and after having an e-wallet. The unit of analysis is students by taking a sample STIE Bank BPD Jateng students. analytical method used Paired Sample T-Test prove whether there are significant differences. results this indicate that consumptive
The low level of financial inclusion or limited access to capital is one most significant constraint faced by micro, small and medium-sized enterprises (SMEs) in Indonesia.To solve the problem, this study proposed a model financing for SMEs through crowd funding mechanism that currently emerging as solution problem sources, especially finance new projects.From conducted with qualitative methods, it was concluded appropriate investment utilizing principle profit sharing such mudharabah.The...
The purpose of this study is to determine and analyze the Effect Self-Efficacy, Work Motivation, Mediated by Job Satisfaction on Employee Performance at PT. Bank BNI Syariah Pekalongan Branch Office. method research uses quantitative with SMART PLS analysis tools. In entire population also sample because are 57 employees, consisting 34 male 23 female employees. results indicate that:There a positive significant direct effect self-efficacy employee job satisfaction Office.There work...
This paper discusses whether there is gamification in ride-hailing drivers Indonesia.Using qualitative research methods it shows that the driver experiences illusionary freedom.Through technology, experience this illusion of freedom through gamification.An interesting finding cheat to chase targets, especially during a pandemic.Competition between and desire get bonus makes them have work hard compete with each other passengers, including by committing fraud.Even though they are considered...
Penelitian ini bertujuan untuk mengetahui seberapa besar pengaruh kepemimpinan transaksional, transformasional, situasional, visioner dan pelayan terhadap kinerja pegawai pada Sekretariat DPRD Kabupaten Brebes. Populasi dalam penelitian adalah seluruh di Satuan Kerja Brebes yang berjumlah 70 pegawai. Pengambilan sampel dilakukan dengan metode sensus, sehingga sebanyak dijadikan sampel. Data digunakan data primer sekunder, kemudian dilanjutkan analisis regresi linier berganda bantuan program...
Financial distress merupakan sebuah kondisi kesulitan keuangan dalam perusahaan yang dapat menjadi indikasi mengalami kebangkrutan. Penelitian ini dilakukan untuk menganalisis bagaimana pengaruh Good Corporate Governance dan Ratios terhadap terjadinya Distress pada sektor perbankan terdaftar di Bursa Efek Indonesia (BEI) periode 2019-2021. menggunakan purposive sampling menentukan sampelnya. Dimana jumlah sampel digunakan adalah 42 perusahaan. Data penelitian analisis dengan alat uji SPSS...
This conceptual paper delves into the intriguing intersection between Ponzi schemes and cryptocurrency, shedding light on unique dynamics, challenges, implications arising from their convergence. While have long been recognized as fraudulent investment schemes, emergence of cryptocurrency has introduced novel avenues for perpetrating such schemes. examines underlying mechanisms that facilitate fusion cryptocurrency. It explores emergence, characteristics, impact, regulatory challenges....
This research was conducted to extend the study of social trading using behavioral finance perspective, role trust and a mixed-method approach from followers on platforms. uses approach. In first stage, semi-structured interviews were with 11 follower traders by snowball sampling find out factors that influence traders' investment behavior through The second stage will quantitatively test model SmartPLS 342 traders. Respondents in are real accounts Data collected accidental an online...
Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh disiplin kerja, motivasi kompensasi terhadap kinerja personil Polsek Semarang Tengah Kota Semarang. Sampel yang diambil sebanyak 105 dari di Kantor Setelah data sampel telah dikumpulkan, diolah dianalisis menggunakan analisis regresi linier berganda dengan program komputer IBM SPSS 16. Berdasarkan hasil pengujian hipotesis penelitian dapat disimpulkan variabel motivasi, berpengaruh positf signifikan
Penelitian ini bertujuan untuk mengetahui seberapa besar pengaruh budaya organisasi, kepuasan kerja, dankinerja karyawan melalui komitmen organisasi. Populasi dalam penelitian adalah seluruh bankbjb cabang tegal sebanyak 52 orang. Dalam populasi diambil sebagai sampel (sensus).Hasil analisis menunjukkan bahwa organisasi secara langsung memiliki positif terhadapkomitmen kerja terhadap komitmenorganisasi, kinerja karyawan,kepuasan karyawan, organisasisecara memediasipengaruh dan memediasi...
<p>This study aims to examine the effect of stock prices, exchange rates, and gold prices on Bitcoin price. The data used are IDX Composite, Rupiah/ IDR rate, daily price from July 19, 2010, December 31, 2018. Regression equation results show that had a positive Changes will follow changes occur in same direction. is considered as other assets worth having investment portfolio.</p>