This article delves into the transformative landscape of digital financing innovations and their impact on the financial performance of Small and Medium-sized Enterprises (SMEs) within the context of the digital economy era. Through a comprehensive exploration of literature and analysis of future trends, this study sheds light on the evolving dynamics of digital finance and its implications for SMEs. Key findings reveal a paradigm shift fueled by emerging technologies, including blockchain, artificial intelligence, and the Internet of Things. These technologies have ushered in a new era of financial inclusion, efficiency, and transparency, empowering SMEs with unprecedented access to affordable and tailored financial services. Furthermore, the research underscores the pivotal role of FinTech in driving innovation and disruption in the financial landscape. From integrated financial platforms to decentralized finance protocols, SMEs are presented with a myriad of digital solutions tailored to their unique needs, fostering resilience and competitiveness in an increasingly digitalized marketplace. Amidst these advancements, policymakers and regulatory authorities play a crucial role in shaping the digital finance ecosystem. Initiatives such as regulatory sandboxes and interoperable standards are essential to promote trust, stability, and consumer protection, ensuring that SMEs can fully harness the potential of digital financing to fuel economic growth and prosperity. In conclusion, this study highlights the immense promise of digital financing for SMEs in navigating the complexities of the digital economy era. By embracing digital innovation and fostering collaboration between stakeholders, SMEs can unlock new avenues for growth, enhance their competitiveness, and contribute to inclusive and sustainable economic development.
Rus Hertanto, Masruri Muchtar, Pardomuan Robinson Sihombing
Mata uang crypto menjadi sangat familiar dan booming dalam beberapa tahun terakhir. Ada yang menganggapnya sebagai mata uang, ada yang menganggapnya sebagai instrumen investasi, ada yang menganggapnya hanya sebuah scam masa kini yang terus diobrolkan di khalayak ramai. Harga crypto memang sangat volatile, untuk itu peneliti ingin mencari faktor-faktor apa saja yang memengaruhi harga crypto, khususnya dari variabel ekonomi makro yang ada. Data dalam penelitian ini diambil dari chart bulanan dari masing-masing variabel, dengan timeframe setiap bulan dari 2019 sampai 2023. Peneliti menggunakan random effect model dalam melakukan uji regresi, dengan hasilnya adalah variabel independen S&P500 dan harga Bitcoin memiliki pengaruh positif terhadap harga Ethereum dan BNB. Sedangkan tiga variabel sisanya yaitu IHSG, harga emas, dan harga minyak mentah tidak memiliki pengaruh yang signifikan. Hal itu mengindikasikan bahwa variabel ekonomi makro pada dasarnya tidak berpengaruh terhadap harga crypto. Pada akhirnya, yang menggerakkan harga crypto adalah permintaan dan penawaran dari pasar.
Muhammad Hakiki, Radinal Fadli, Arisman Sabir, Agung Prihatmojo · 6 authors
This research investigates the integration of blockchain technology in vocational education in Indonesia, evaluating its impact on database system learning outcomes. Involving 86 Indonesian students, this study aims to assess the effectiveness of blockchain in improving students’ understanding, skills, and academic performance. Using a quasi-experimental design, the findings of this study showed a significant improvement in learning outcomes, as evidenced by the analysis of pre-test and post-test scores. The measure of the effectiveness of the improvement in learning outcomes, with a substantial increase of approximately 46.50%, emphasizes the positive influence of blockchain technology on student achievement in the database systems course. The findings of this study will contribute valuable information to educational institutions, policy makers, and educators who wish to incorporate new technologies such as blockchain into their learning systems. The implication of this research is to provide recommendations in optimizing the integration of blockchain technology, which significantly affects learning outcomes in database systems. This is realized through facilitating fast and efficient access to learning materials, fostering a more interactive and engaging learning environment, and enhancing students’ understanding of industry practices. The integration of blockchain into database systems learning not only improves the quality of learning but also equips students for a successful career in information technology.
Etikah Karyani, Ira Geraldina, Marissa Grace Haque, Ahmad Zahir
Purpose Halal certification is an acknowledgment of the halalness of a product or service issued by a halal regulator based on Islamic law. This study aims to investigate the intentions of consumers and regulators toward blockchain-based halal certification. Blockchain is useful for storing and verifying halal certificates, thereby increasing trust in products or services because the public cannot change or access data once it is stored. Design/methodology/approach This study uses a triangulation approach by distributing online questionnaires to consumers as a research instrument of a quantitative approach processed with smart partial least squares. Meanwhile, the qualitative approach is carried out through observation, in-depth interviews with the Ministry of Religion’s Halal Product Assurance Organizing Agency (BPJPH) and Halal Examination Agency (LPH), and forum group discussions (FGDs) with several related parties. Findings The observation results show that most consumers expect the government to provide an easy-to-use application to check halal food products and restaurants. Consumers’ intention to use this technology is influenced directly by attitudes and indirectly by their beliefs. Furthermore, the results of interviews and FGDs reported that LPH was not ready to apply blockchain technology, while BPJPH strongly supported adopting blockchain technology in the certification process. Practical implications This finding recommends that the Indonesian government apply blockchain technology to gain transparency and accountability regarding the halal product process. Originality/value This study fills the research gap by observing three perspectives from different stakeholders and using a triangulation approach to analyze the need for adoption of blockchain-based halal certification of halal food products.
Bambang Santoso Haryono, Tommy Anggriawan, Drasospolino, I Gede Eko Putra Sri Sentanu · 5 authors
Recent studies reported that the implementation of local budgeting in the context of fiscal decentralization policy had no significant contribution in increasing rural community welfare. This study therefore evaluated the local budgeting policy implemented in Indonesia through Village Fund (VF) policy as well as examining the mediating role of local community empowerment. This investigation used crossectional data from 399 respondents from villages in Indonesia. The measures used in this study involved villagers' perception about policy and implementation of village fund, the success of rural welfare and local community empowerment. PLS-SEM was used to test the hyphoteses. The result of this study evidences that perceived of VF usage measured by perceived infrastructure development and perceived basic social services, except for perceived VF usage in rural economic development, have less significant impact on rural community welfare. Moreover, perceived involvement of community empowerment has minimum contribution on perceived rural community welfare. This study provides an understanding of paradox existing in the perceived role of local community empowerment in mediating the effect of local finance budgeting on rural welfare which is still rarely studied particularly in developing countries like Indonesia.
Penelitian ini bertujuan untuk mengkaji apakah bitcoin dapat digunakan sebagai alat tukar/mata uang di Indonesia. Dengan berkembangnya teknologi di era digital membawa inovasi pada alat tukar seperti bitcoin yang berbasis blockchain dan konsep desentralisasi yang tidak digunakan oleh alat tukar konvensional. Pandangan yang kami digunakan untuk penelitian ini adalah kualitatif untuk menjawab pembahasan penelitian yang bersifat deskriptif dan interpretatif. Pendekatan ini dipilih dalam rangka mendapatkan pemahaman yang mendalam tentang pandangan para ulama/tokoh Islam dan ahli ekonomi Islam terkait tentang bitcoin dan syariah Islam. Sumber informasi penelitian mencakup para ulama/tokoh Islam dan ahli ekonomi Islam di dunia yang memiliki pemahaman tentang bitcoin dan syariah Islam. Oleh karena itu kesimpulan hasil penilitian ini atas beragamnya pendapat para tokoh islam, boleh saja jika bitcoin digunakan sebagai alat tukar di dunia dengan ketentuan tidak mengandung unsur riba, maysir gharar dan beberapa tokoh pun setuju dengan kesepakatan ini, namun pada kenyataanya saat ini bitcoin masih terdapat unsur tersebut, inilah yang menjadi keharaman atas transaksi bitcoin. Serta dibutuhkan peran pihak otoritas untuk meninjau kembali tentang regulasi transaksi bitcoin di Indonesia.
Az Zahra Nashira Ryan, Aris Prio Agus Santoso, Giovania Madeira Do Carmo, Jonathan James Kurniawan · 5 authors
The use of cryptocurrency assets in Indonesia is still prohibited as a means of payment but as an investment instrument it can be included as a commodity that can be traded on a term exchange as regulated in the regulation of Law No. 10 of 2011 concerning amendments to Law No. 32 of 1997. The positive impact of cryptocurrencies in consumer protection such as cryptocurrency financial access can provide access to the traditional banking system, thereby increasing financial inclusion. There are also negative impacts to consider in consumer protection: security risks associated with theft or hacking of cryptocurrency exchange platforms and digital wallets can threaten the security of consumer funds. This study aims to analyze about consumer protection of cryptocurrencies in the digital age. This research uses normative research methods and uses qualitative data types. The results of this study show that consumer protection in cryptocurrency in the digital era, among others, preventively, in cryptocurrency trading transactions as assets is also strengthened by the Regulation of the Commodity Futures Trading Supervisory Agency Number 9 of 2019 concerning Amendments to the Regulation of the Commodity Futures Trading Supervisory Agency Number 5 of 2019 concerning Textile Arrangements for the Implementation of the Physical Market of Cryptocurrency Assets on Futures Exchanges. Meanwhile, if repressively to protect what is given after a dispute arises in the form of sanctions, fines, imprisonment, and penalties imposed a dispute occurs, regulated in Article 22 of PerBappeti Number 5 of 2019 concerning Technical Provisions for the Implementation of the Physical Market of Cryptocurrency Assets on the Futures Exchange, that dispute resolution is carried out by deliberation to reach consensus if it does not reach consensus the parties can resolve through the Futures Trading Arbitration Agency Commodity (BAKTI) and the State Court as stated in the agreement between the parties. Bank Indonesia reaffirms the ban on the use of virtual currencies in cryptocurrency, both in the form of selling, buying, and trading with these currencies.
Modern culture, which began to develop since the 18th century, became a catalyst for the growth of information technology systems, especially the internet, which has now reached the Web 3.0 or Web3 level. At this level, the internet becomes a decentralised space when users have complete autonomy and control over the data they share consensually. However, because it is a force steeped in exploitative and manipulative agendas, Web3 is potentially vulnerable to commodity fetishism and perhaps even a return to forms of domination through capital accumulation. As a result, elements in Web3 that were promoted as resistance to internet privatization have instead become opportunities for exploitative parties to accumulate wealth. This article delves deeper into how Web3 shows the tension between dominant currents and resistance to global multinational power systems. In this context, the authors use Antonio Negri’s perspective in Empire and Multitude to investigate the complex dynamics that occur. By understanding how Web3 interacts with dominant forces and their resistance, one can explore the potential and challenges faced in positioning the development of the internet towards a more inclusive and equitable realm.
The development of cases or cases in terms of bankruptcy debtor assets, does not rule out the possibility of bitcoin becoming one of the assets or all assets of bankruptcy debtors given the large number of Indonesians who use bitcoin as an investment tool. Therefore, further study is needed regarding the validity of bitcoin as an asset in terms of the Civil Code and Indonesian Positive Law, as well as the validity of bitcoin as an object of general collateral for bankruptcy debtors. This research is a normative legal research (doctrinal research) with a statutory approach method and a conceptual approach using library research data collection techniques including primary and secondary legal materials and analyzed with interpretation techniques. The results of this study indicate that bitcoin is recognized as a commodity subject to VAT and Income Tax (Article 1 number 7 of Bappebti Regulation Number 5 of 2019 and Article 19 of the Minister of Finance Regulation 68 / PMK.03 / 2022). Based on the Civil Code, bitcoin is an intangible asset in the form of digital assets and is movable (Article 503 and Article 504 of the Civil Code) which can be attached to property rights (Article 499 of the Civil Code) and the owner of bitcoin can freely perform legal actions on the bitcoin owned. Bitcoin has fulfilled the elements of a collateral object, namely that it can become property rights, has economic value, can be executed, so that it can be used as an object of general collateral and can be included in the bankruptcy estate.
Dian Ekawati, Toto Tohir Suriaatmadja, Susanto Susanto
This study aims to analyze the business of trading virtual currency cryptocurrency, particularly Bitcoin, as a means of transaction in Indonesia. The research method employed is a normative juridical approach, examining provisions related to the use of Bitcoin as a transactional tool in Indonesia. The findings of this research reveal several significant outcomes. Firstly, the business of trading virtual currency cryptocurrency, especially Bitcoin, as a means of transaction in Indonesia, still faces significant challenges. Despite the high public interest in cryptocurrencies, clear and definitive regulations regarding the use of virtual cryptographic currency as a payment instrument are still lacking. Secondly, the role of Bank Indonesia as the financial regulator has not yet recognized Bitcoin as a valid payment instrument in Indonesia. This results in legal uncertainties concerning the use of Bitcoin as a transactional tool in the country. The research findings indicate that the use of Bitcoin as a means of transaction in Indonesia lacks adequate legal certainty. Therefore, the business of trading virtual currency cryptocurrency as a transactional tool in Indonesia requires clear and definitive regulations. Appropriate regulations will provide legal certainty, protect all involved parties, and ensure fair and sustainable state revenue related to the use of Bitcoin as a means of transaction in Indonesia. The implications of this research emphasize the need for clear and definitive regulations in the business of trading virtual currency cryptocurrency as a means of transaction in Indonesia. Bank Indonesia and other relevant authorities need to collaborate in developing an effective regulatory framework. With proper regulations, cryptocurrencies can be integrated securely, reliably, and widely accepted as transactional instruments in Indonesia.
This research was used to measure the influence of investment knowledge, return, risk tolerance, financial literacy, regret aversion, and overconfidence on cryptocurrency investment decisions. This research is quantitative research where the objects used are the public or active investors who invest in cryptocurrency in Indonesia. The number of samples used in this research was 101 respondents. Data collection techniques use questionnaires and data processing and hypothesis testing using Spss. The results of this research explain that the variables investment knowledge, return, risk tolerance have a positive but not significant effect on cryptocurrency investment decisions. Meanwhile, financial literacy, regret aversion, overconfidence have a significant positive effect on cryptocurrency investment decisions.
Ni Wayan Widhiasthini, Nyoman Sri Subawa, Melissa Fong Emmerson, Ni Kadek Winda Yanti · 8 authors
This research aimed at contributing on the urgency of formulating public regulation about cryptocurrency based on administrative reform, providing critical thinking about the use of cryptocurrency on economic activity in supporting sustainable tourism. Instead of focusing on economic, it focuses on the public administration to formulate the regulation of cryptocurrency circulation in Indonesia. It was underlying on descriptive qualitative method with postpositivism approach. It was conducted in Bali as the world tourism destination, and relied on tourism. The distribution of cryptocurrency is banned in Indonesia including Bali, regulated on Law No. 7 year 2011 about currency. It found the hegemony from tourists toward tourism entrepreneurs due to the demand of tourist to use crypto yet lack of regulation as legal payment. Three strategies of administrative reform applied i.e. taxation, structural and programs to implement administrative reform for cryptocurrency regulation. The practical implication shows that the regulation of legal cryptocurrency generates positive impacts on sustainable tourism growth in Bali, particularly on the tourism concept for preserving environment, social, cultural and economic. Moreover, it theoretically implicated the Public Regulation Theory on formulating public regulation that legalize crypto distribution, identifying potential issues, agenda arrangement, regulation formulation, policy approval, implementation and evaluation.
Bidang pertanian di Indonesia, khususnya dalam produksi buah dan sayur, merupakan salah satu sektor utama sehingga Indonesia memiliki potensi yang kuat untuk menjadi produsen pangan dan komoditas pertanian yang signifikan di tingkat global. Yarumori merupakan sebuah koperasi yang bergerak dibidang bisnis pertanian dan memiliki beberapa waralaba yang sedang berjalan, alasan yarumori mengambil sektor bisnis di bidang waralaba karena sektor ini sudah berkembang sangat cepat, namun sistem waralaba yang dibangun yarumori masih bersifat traditional yang tentu saja memiliki banyak sekali kekurangan.Untuk mengatasi hal tersebut akan dibuatnya sebuah platform berbasis web3 dan Blockchain yang diharapkan dapat mengatasi masalah bisnis yang ada di koperasi yarumori
Saur Costanius Simamora, Vanessa Gaffar, Meta Arief
Tinjauan literatur sistematis ini mencoba menjawab pertanyaan tentang metode apa yang digunakan untuk menganalisis bagaimana teknologi blockchain berperan dalam perkembangan periklanan digital. Lalu apa peran teknologi blockchain dalam perkembangan periklanan digital di industri lain. Blockchain memainkan peran besar dalam pemasaran digital, karena industri periklanan digital secara historis sangat bergantung pada pihak ketiga. Blockchain dapat menghilangkan perantara antara dua pihak, sehingga membantu merek dan pelanggan. Salah satu pendekatan studi literatur adalah Systematic Literature Review (SLR). Penelitian ini menggunakan Systematic Literature Review dengan Metode Prisma dengan bantuan UAKE, VOS viewer, dan Aplikasi Mendeley Watase. Penelitian ini dibatasi dengan hanya mencari artikel jurnal Scopus Q1, Q2, Q3, dan Q4, terbitan tahun 2018-2022. Berdasarkan (26) dua puluh enam artikel yang ditelaah, melalui proses systematic literature review, dengan rentang waktu terbitan artikel antara tahun 2018 sampai dengan 2022. Diperoleh hasil bahwa hanya sepuluh artikel yang memenuhi kriteria dan dijadikan rujukan dalam penelitian ini. Metode analisis data yang banyak digunakan ialah perancangan atau system planning (5 artikel), kemudian qualitative method (2 artikel), quantitative method (1 artikel) dan exploratory factor (1 artikel). Hasil penelitian menunjukkan bahwa teknologi blockchain berperan besar dalam perkembangan periklanan digital (digital advertising), yang banyak diterapkan di industri e-commerce, telekomunikasi, otomotif, pertanian, hiburan (film) bahkan untuk deteksi penipuan dan pencegahan kejahatan dalam periklanan online. Kata kunci : s tudi Pustaka; SLR; blockchain; periklanan digital; PRISMA
Blockchain has gained great attention as a technology capable of providing security, transparency and decentralization in the data management process. This research aims to analyze and identify the advantages and challenges associated with implementing a Management Information System (MIS) based on Blockchain technology. This research uses a qualitative approach with descriptive methods. The research results show that the application of blockchain technology has a positive impact in various sectors, such as Management Information Systems, corporate finance, and the entertainment industry. The use of blockchain increases security, transparency and efficiency of information management, facilitating better decision making. Although challenges such as initial costs and regulatory differences arise, the innovative potential of this technology remains significant. With understanding and efforts to resolve challenges, blockchain implementation in various fields is expected to provide greater benefits in improving operational efficiency and data security.
Islam regulates everything perfectly, even the smallest things are regulated in Islam. With the development of technology, quantity and innovation of financial and economic products, it is necessary to study products that are in accordance with Islamic law. There are several studies that examine cryptocurrency in the view of Islamic law and have even reached the stage of proposing a cryptocurrency model that is in accordance with sharia. The purpose of this study is to analyze the sentiment generated from the opinions of users of the Twitter social media application regarding cryptocurrency. The data analyzed consisted of 18,304 using the keyword cryptocurrency. The method used is a qualitative approach with descriptive statistics from the study of cryptocurrency-themed literature. The results showed that neutral sentiment was the most frequent result with a percentage of 91%, followed by negative sentiment of 6.1%, and positive sentiment of 2.9%. The diversity of sentiment results is due to the pros and cons of cryptocurrency.
Mohd Izzat Amsyar Mohd Arif, Norhanan Che Kamaruddin, Ruzian Markom
As most countries use currencies to denote paper money created as a medium of exchange for buying and selling goods or services. Nevertheless, there are attempts from several entities to create a crypto asset named cryptocurrencies which aims to replace the functions of paper money. The issue arises whether cryptocurrency is valid to be used as a currency or investment asset according to Shariah’s perspective. This article aims to clarify the Shariah views on the legality of cryptocurrency, analyze the suitability of cryptocurrencies as a currency or investment assets, and finally, suggest that cryptocurrency is one of the investment assets or commodities in line with the requirements of Shariah. The research adopts pure legal research methodology utilizing content analysis on the primary and secondary sources. The research findings revealed that Islamic scholars have conflicting views regarding the legality of cryptocurrency as a means of exchange to replace the function of paper money and as an investment asset. Nevertheless, cryptocurrency and crypto assets are required today because of Maqasid Shariah, maslahah, and qawaid fiqhiyyah. Future research should focus on the usage and practice of cryptocurrency worldwide and its legal application in specific countries. Keywords: cryptocurrency, currency, investment
The financial performance of the Kupang Regency regional government is important information in making regional financial management policies. One tool for analyzing local government financial performance is by analyzing financial ratios. This research aims to analyze the fiscal independence of the Kupang Regency regional government in 2017-2021. This research is a case study research conducted at the Regional Financial and Asset Management Agency. Data collection using interviews and documentation The results of the research show that the degree of fiscal decentralization over the five year period (2017-2021) is on average 7.5% and Fiscal Independence is on average 6.52% which based on the criteria is categorized as very low This means that regional financial capacity to finance its activities is still very lacking and is dependent on the central government.
Iman Patria Yudha, Raden Aswin Rahadi, Ana Noveria
This research investigates the strategic adoption of Bitcoin as a corporate asset in Indonesia, focusing on its potential as an inflation hedge and its impact on enhancing shareholder value. Employing a mixed-method approach combining qualitative interviews and the Analytical Hierarchy Process (AHP), the study explores the challenges, risks, and opportunities associated with integrating Bitcoin into corporate financial strategies. The findings reveal that risk mitigation emerges as the primary priority for companies considering Bitcoin adoption, underscoring the need for robust strategies such as investment diversification, hedging, and scenario analysis. Stakeholder acceptance, encompassing investors, regulators, and market sentiment, is identified as the second most crucial factor, highlighting the importance of a supportive regulatory environment and investor confidence. The research also highlights the significance of analyzing price trends and optimizing asset allocation strategies. The AHP analysis identifies the Strategic Diversification approach as the most preferred alternative, aligning with Modern Portfolio Theory principles. Additionally, the study addresses accounting and financial reporting challenges associated with Bitcoin adoption, emphasizing the need for clear guidance and standards. The implementation plan outlines key aspects such as infrastructure development, education initiatives, risk management frameworks, and regulatory collaboration to facilitate the responsible integration of Bitcoin into Indonesian corporate finance strategies.
The purpose of this study is to analyze the price review of Cryptocurrencies in Indonesia. This research uses qualitative research methods with the nature of literature review. qualitative research conducted and research purposes, sampling may not be necessary in qualitative research with a literature review. In this case, the researcher did not collect data from respondents or informants, so there was no need to take samples. The results of the study show that cryptocurrency prices in Indonesia are still considered digital assets and have not been recognized as legal currency. Nonetheless, Cryptocurrency transactions still occur in Indonesia and several Cryptocurrency exchanges also operate in Indonesia by complying with regulations set by the government. The development of blockchain technology and Cryptocurrency adoption continues to increase in Indonesia, and the Indonesian government has also introduced initiatives such as the Blockchain Indonesia program to increase awareness and adoption of blockchain technology in Indonesia. As an investor, keep in mind that Cryptocurrency is still very risky and very volatile. Therefore, it is necessary to be careful and carefully consider the risks before deciding to invest. It is also important to always follow the regulations and policies related to Cryptocurrency set by the Indonesian government.
Digital money was first developed in the 1960s when Western Union introduced electronic funds transfers (EFT). In Indonesia, digital money only became popular around 2007. Electronic money regulations are contained in Bank Indonesia Regulation Number 11/12/PBI/2009. Cryptocurrencies are made from a combination of blockchain technology and cryptography. Blockchain is a technology for recording interconnected transactions using unique and immutable codes. On the other hand, Cryptography is a branch of computer science that studies how to hide information. This research aims to obtain answers regarding cryptocurrencies as currency/method of exchange/assets/commodities in Indonesia. The theory applied is the theory of legal and vanity business transactions in Islam. This research is a literature study and is qualitative in nature. The data analysis technique used is analytical descriptive with a normative juridical Islamic law approach. From this research, the results show that cryptocurrencies are haram, referring to the MUI Fatwa, the decisions of the Laznah Bahtsul Masail East Java Nahdathul Ulama Regional Management (PWNU), the Tarjih Council and the Tajdin Central Executive of Muhammadiyah, the opinion of Islamic economics academics. The factors that make cryptocurrencies illegal because they are considered to contain speculation, maysir and are vulnerable to being used for illegal activities. The weaknesses of cryptocurrency are marked by the fall of crypto throughout 2022 and are predicted to continue in 2023. Crypto is illegal lighairihi or haram due to external factors, so it should be avoided.
Saat ini, keterbatasan informasi mengenai keaslian produk masih mengemuka, memicu penyebaran produk palsu secara tidak terkontrol di masyarakat. Supply chain, sebagai elemen integral, memiliki peran sentral dalam memberikan pemahaman signifikan kepada konsumen terkait produk yang mereka konsumsi. Teknologi blockchain dalam manajemen rantai pasok menawarkan transparansi, yang dapat secara substansial meningkatkan kepercayaan konsumen terhadap produk yang dipilihan. Namun, penerapan teknologi blockchain dalam rantai pasok saat ini masih terbatas, dan minimnya pemahaman tentang blockchain menjadi hambatan utama. Penelitian ini bertujuan untuk menyajikan informasi komprehensif mengenai produk dalam rantai pasok serta memanfaatkan teknologi blockchain melalui smart contract. Melalui penerapan sistem berbasis teknologi blockchain dalam rantai pasok, pengguna akan memperoleh informasi yang substansial dan komprehensif mengenai produk yang mereka akuisisi dan gunakan. Hasil evaluasi yang menunjukkan kepuasan konsumen secara keseluruhan sebesar 89,64%. Sistem ini sangat membantu bagi konsumen pada saat memutuskan untuk membeli sebuah produk dengan mengetahui informasi yang lengkap dan transparan terkait produk. Dalam hal ini, penerapan teknologi blockchain dengan smart contract meningkatkan keyakinan konsumen bahwa produk yang mereka beli autentik dan aman. Teknologi blockchain dengan smart contract menjadi solusi efektif dalam menanggulangi masalah produk palsu dan meningkatkan transparansi rantai pasok. Teknologi blockchain memungkinkan penyediaan informasi yang aman dan tidak dapat diubah, sedangkan smart contract memfasilitasi transaksi otomatis dan transparan tanpa perantara.
Muhammad Albirr Inzal Yazidillah, Bakti Samuel Barus
Dalam era digital saat ini, teknologi keuangan (fintech) telah membawa perubahan mendalam dalam paradigma keuangan global, khususnya dengan munculnya cryptocurrency sebagai bagian integral dari fintech dan elemen signifikan dalam investasi. Jurnal ini bertujuan menyumbangkan ulasan literatur yang komprehensif, fokus pada analisis risiko cryptocurrency sebagai instrumen investasi utama. Dengan peningkatan jumlah investor cryptocurrency di Indonesia mencapai 17,91 juta pada September 2023, penelitian ini bertujuan mengungkapkan lanskap risiko dan manfaat yang terkait dengan investasi cryptocurrency. Penelitian ini menggunakan metode tinjauan literatur untuk menjelajahi tidak hanya risiko yang umumnya diakui seperti volatilitas harga, tetapi juga faktor-faktor yang sering terabaikan seperti kerentanan teknologi, ketidakpastian regulasi, dan risiko pasar lebih luas. Analisis melibatkan pemahaman mendalam tentang dampak ekonomi dan sosial fluktuasi nilai cryptocurrency terhadap panggung keuangan global. Dengan memberikan wawasan yang matang, penelitian ini bertujuan memberdayakan investor, regulator, dan praktisi keuangan untuk menavigasi kompleksitas investasi cryptocurrency dan membuat keputusan terinformasi dalam lingkungan keuangan yang dinamis dan terus berkembang. Selain itu, jurnal ini secara kritis mengevaluasi literatur yang ada, mengidentifikasi kesenjangan pengetahuan, dan mengusulkan arah penelitian masa depan, berperan sebagai pendorong bagi pengembangan pemahaman dan pengelolaan risiko cryptocurrency
Istian Kriya Almanfaluti, Niken Amelia Putri, Muhammad Saddam Navaro
This research endeavors to contribute to the rapidly evolving landscape of technology-driven payment systems, with a focus on Indonesia. The primary objective is to design and develop a mobile application for a cryptocurrency digital wallet integrated with Quick Response Code Indonesian Standard (QRIS). The methodology involves utilizing Webservice for seamless implementation and Android Studio Framework for efficient mobile application development. The results showcase the successful creation of a mobile application that enables cryptocurrency owners to convert virtual assets into Indonesian Rupiah for various transactions, including purchasing mobile credits, electricity tokens, travel tickets, and other payments. The evaluation underscores the feasibility and practicality of the proposed solution, emphasizing the potential for increased ease, speed, and efficiency in transaction processing. This research opens avenues for further exploration and implementation of cryptocurrency-based payment systems, addressing the evolving needs of the digital economy in Indonesia and potentially serving as a model for global applications.Highlights : Seamless Implementation: The research successfully employs Webservice for the integration of a cryptocurrency digital wallet with QRIS, ensuring a smooth and efficient transaction process. Android Studio Framework: The use of the Android Studio Framework demonstrates the applicability and versatility of established tools in developing a robust and user-friendly mobile application for cryptocurrency transactions. Efficiency in Digital Transactions: The designed mobile application enables cryptocurrency owners to convert virtual assets to Indonesian Rupiah, enhancing transaction speed, ease, and overall efficiency in various financial interactionKeywords: Cryptocurrency, E-Wallet, QRIS Integration, Mobile Application, Digital Transactions. Keywords : Cryptocurrency, E-Wallet, QRIS Integration, Mobile Application, Digital Transactions.