Jurnal Online Universitas Jambi
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Fiscal decentralization, monetary policy, and economic growth in Indonesia: A panel data analysis
Get PDFThe implementation of regional governance through fiscal decentralization, particularly in the management of Local Own-Source Revenue (PAD), demonstrates that regional fiscal autonomy can effectively enhance community welfare under a decentralized government structure. Using the Ordinary Least Squares (OLS) method with panel data for the period 2010–2024, this study provides empirical evidence that community welfare—measured by the growth of real Gross Regional Domestic Product (GRDP) per capita—is significantly and positively influenced by several key factors. These include Local Own-Source Revenue (PAD) with a coefficient of 0.258, Transfer Funds to Regions and Village Funds (TKDD) with a coefficient of 0.046, the Human Development Index (HDI) with a coefficient of 0.070, and Regional Investment (FDI) with a coefficient of 0.006. However, the study also identifies challenges to sustaining real GRDP growth per capita, particularly from interest rates and income inequality, which exhibit significant negative relationships with coefficients of –0.202 and –0.011, respectively. These findings suggest that disparities in population income distribution and fluctuations in borrowing costs can hinder regional economic performance. To address these challenges, regional governments must adopt fiscal incentive policies that stimulate revenue generation and investment while prioritizing human resource development. Moreover, closer collaboration with central banking authorities is essential to manage monetary policy—especially in controlling interest rates—to maintain stability and ensure balanced, inclusive regional growth
Financial inclusion, demographics, and experiential learning as drivers of entrepreneurial intention among Generation Z
Get PDFIn the contemporary digital economy, entrepreneurial development has become a crucial factor in strengthening national competitiveness. Higher education institutions are therefore expected to cultivate entrepreneurial capacity among students, particularly those from Generation Z, who face increasingly dynamic economic challenges. This study aims to analyze the effects of financial literacy, financial inclusion, and demographic factors on entrepreneurship and entrepreneurial intention. The study employed a quantitative approach using survey data collected from students of the Faculty of Economics and Business at Universitas Jambi. The data were analyzed using Structural Equation Modeling with the Partial Least Squares (SEM-PLS) method. The results indicate that financial inclusion has a significant positive effect on both entrepreneurship and entrepreneurial intention, while demographic factors significantly influence entrepreneurship but do not directly affect entrepreneurial intention. Entrepreneurship itself exerts a strong, significant effect on entrepreneurial intention, suggesting that entrepreneurial engagement serves as the primary pathway through which background characteristics and access to financial services are translated into entrepreneurial intention. In contrast, financial literacy does not show a significant direct effect on either entrepreneurship or entrepreneurial intention. These findings highlight that access to financial services and experiential entrepreneurial engagement are more decisive than financial knowledge alone in fostering entrepreneurial intention among Generation Z students, implying that universities should prioritize practice-based entrepreneurship education supported by inclusive financial access
Pengembangan E-Magazine Berbasis Problem Based Learning untuk Pembelajaran Energi Terbarukan di SMA: Development of Problem Based Learning E-Magazine for Renewable Energy Learning in High School
Get PDFPenelitian ini bertujuan untuk mengembangkan e-magazine berbasis problem based learning (PBL) pada materi energi terbarukan di SMA Negeri 2 Kota Jambi. E-magazine dikembangkan sebagai media pembelajaran yang dapat menunjang kegiatan pembelajaran. Penelitian ini menggunakan metode Research and Development (R&D) dengan model 4D terdiri dari 4 tahap yakni define (pendefinisian), design (perancangan), develop (pengembangan) and disseminate (penyebaran). Proses pengembangan dimulai dengan analisis kebutuhan guru dan peserta didik, lalu merancang e-magazine. E-magazine yang telah dirancang divalidasi oleh validator untuk melihat bagaimana kelayakannya. E-magazine yang telah dihasilkan diujicobakan kepada siswa untuk mendapatkan respon terkait penggunaannya. Hasil penelitian menunjukkan bahwa e-magazine berbasis problem based learning (PBL) dinyatakan sangat baik dengan skor validasi materi sebesar 91% dan validasi media sebesar 90%. Produk e-magazine berbasis problem based learning pada materi energi terbarukan mendapatkan respon nilai persentase rata-rata hasil respon guru sebesar 81% dan nilai persentase hasil respon siswa sebesar 84%. E-magazine berbasis problem based learning pada materi energi terbarukan dapat dijadikan sebagai media pembelajaran tambahan pada jenjang SMA fase E. Peneliti selanjutnya disarankan untuk melanjutkan penelitian sampai tahap disseminate (penyebaran
Pengembangan Modul Matematika Berbasis Proyek Materi Bangun Ruang Berpendekatan STEAM Untuk Meningkatkan Kemampuan Berpikir Kreatif : Development of a Project-Based Mathematics Module on Spatial Structures Using a STEAM Approach to Improve Creative Thinking Skills
Get PDFPenelitian R&D yang mengacu pada desain ADDIE ini dilatarbelakangi oleh adanya kebutuhan terhadap suatu panduan instruksi atau petunjuk proyek siap pakai, ide, tips dan contoh yang mendukung proses pembelajaran matematika berbasis proyek. Sejalan dengan itu, terdapat pula permasalahan terkait kemampuan berpikir kreatif peserta didik yang masih rendah. Petunjuk proyek tersebut direpresentasikan dalam bentuk bahan ajar berupa modul yang dirancang secara sistematis. Modul yang dikembangkan diantaranya memuat kumpulan tugas berbasis proyek berpendekatan STEAM (Sains, Technology, Engineering, Arts, and Mathematics) yang mana mengintegrasikan beberapa disiplin ilmu dan memuat soal-soal yang open ended. Hasil rata-rata uji kevalidan modul oleh 3 validator ahli sebesar 3,64 yang berarti “sangat valid”. Hasil uji kepraktisan melalui angket respon oleh 10 peserta didik memperoleh skor 3,58 dan oleh 1 fasilitator (guru) memperoleh skor 3,95. Kedua skor menunjukkan modul “sangat praktis”. Pengujian keefektifan modul mengunakan model postest only control design dilakukan dengan subjek implementasi 24 peserta didik kelas IX-D SMP N 1 Randudongkal sebagai kelas eksperimen (mendapat perlakuan). Data dianalisis melalui uji normalitas mengguakan uji Shapiro Wilk, uji homogenitas menggunakan uji Levene’s Test dan uji hipotesis menggunakan Uji Mann-Whitney. Hasil analisis nilai posttest kelas eksperimen dan kontrol menggunakan uji Mann-Whitney U menunjukkan nilai Zhitung = -4,5157 ≤ Ztabel = 1,96. Artinya, terdapat perbedaan yang signifikan kemampuan berpikir kreatif antara kedua kelas dimana rata-rata posttest kelas eksperimen lebih tinggi dibanding kelas kontrol, dengan kata lain modul “efektif” untuk meningkatkan kemampuan berpikir kreatif peserta didik
Strategies for Jambi Culinary MSMEs to Survive in the Digital Era: The Influence of Financial Literacy and E-Commerce
Get PDFThis study aims to determine the extent to which financial literacy and e-commerce utilization influence the sustainability of culinary MSMEs in Jambi City. The research question addressed is whether financial literacy and e-commerce individually and jointly have a significant impact on business sustainability. A quantitative approach was employed through survey methods involving 100 culinary MSME respondents. Data were analyzed using multiple linear regression, preceded by validity, reliability, and classical assumption tests to ensure data quality. The results indicate that financial literacy and E-Commerce has a positive and significant effect on MSME sustainability. These findings highlight the crucial role of improving financial literacy and adopting digital technology in supporting the growth and resilience of MSMEs in the era of digital transformation. The impact of this research is expected to provide a basis for the formulation of MSME development strategies by local governments and related institutions, as well as to encourage business actors to become more adaptive to technological changes and effective financial management.This study aims to determine the extent to which financial literacy and e-commerce utilization influence the sustainability of culinary MSMEs in Jambi City. The research question addressed is whether financial literacy and e-commerce individually and jointly have a significant impact on business sustainability. A quantitative approach was employed through survey methods involving 100 culinary MSME respondents. Data were analyzed using multiple linear regression, preceded by validity, reliability, and classical assumption tests to ensure data quality. The results indicate that financial literacy has a positive and significant effect on MSME sustainability, with a coefficient value of 0.485. Similarly, e-commerce was found to have a significant impact, with a coefficient of 0.291. Simultaneously, both variables significantly affect business sustainability, with a significance level of 0.000 (<0.05) and a determination coefficient (R²) of 0.511, indicating that the model explains 51.1% of the variation in MSME sustainability. These findings highlight the crucial role of improving financial literacy and adopting digital technology in supporting the growth and resilience of MSMEs in the era of digital transformation. The impact of this research is expected to provide a basis for the formulation of MSME development strategies by local governments and related institutions, as well as to encourage business actors to become more adaptive to technological changes and effective financial management
Pengaruh Kinerja Keuangan dengan Pendekatan Dupont System Terhadap Harga Saham Perusahaan Basic Material
Get PDFThe purpose of this study is to analyze how financial performance affects stock prices through the DuPont approach. At the close of the JCI on December 4, 2024, it can be seen that ten sectors experienced a decline in share price, with the Basic Materials sector being the most affected. At the first close of the JCI in 2025, the Basic Material sector still experienced the largest decline in stock price performance compared to other sectors. The population studied is Basic Material companies, especially the Other Metals & Minerals Sub-Sector, which is 16 companies, the sample taken is 8 companies using purposive sampling method. For analysis, the method used is panel data regression. Separately, Dupont's NPM, TATO, and ROE have no influence. EM has a significant influence. Overall, Dupont's NPM, TATO, EM, and ROE variables have an influence on Stock Prices.Tujuan dari studi ini ialah untuk melakukan analisis bagaimana kinerja keuangan memengaruhi harga saham melalui pendekatan DuPont. Pada penutupan IHSG tanggal 4 Desember 2024, terlihat bahwa sepuluh sektor mengalami penurunan harga saham, dengan sektor Basic Material menjadi yang paling terdampak. Pada penutupan pertama IHSG di tahun 2025, sektor Basic Material masih mengalami penurunan kinerja harga saham paling besar dibandingkan sektor lainnya. Populasi yang diteliti adalah perusahaan Basic Material khususnya Sub-Sektor Logam & Mineral Lainnya, yaitu sebanyak 16 perusahaan, sampel diambil yaitu 8 perusahaan dengan metode purposive sampling. Untuk analisi,metode yang dipakai Regresi data panel. Secara terpisah, NPM,TATO,dan ROE Dupont tidak memiliki pengaruh. EM memiliki pengaruh signifikan. Secara keseluruhan, variabel NPM, TATO, EM, dan ROE Dupont memiliki pengaruh terhadap Harga Saham.
Pengaruh Fraud Triangle Terhadap Kecurangan Laporan Keuangan Pada Perusahaan Perbankan di Bursa Efek Indonesia
Get PDFThis study aims to examine the effect of the fraud triangle on fraudulent financial statements in banking companies listed on the Indonesia Stock Exchange in 2020 - 2024This study uses the Beneish M-Score to calculate financial statement fraud. The population in this study were Banking companies listed on the IDX used purposive sampling method so that a sample of 10 companies was obtained with 5 years of observation with 50 observations. The analysis technique used in this research is logistic regression model. The results showed that financial stability, external pressure, personal financial need and auditor change had no effect on fraudulent financial statements while ineffective monitoring had an effect on fraudulent financial statements. This study provides evidence that strict supervision by the OJK and BI is an important factor that weakens the relevance of several fraud triangle indicators, thus enriching the literature that regulatory effectiveness can modify the relationship between the fraud triangle and fraud.
Keywords: Beneish M-Score, financial statement fraud, fraud triangle.Penelitian ini bertujuan untuk menguji pengaruh fraud triangleterhadap kecurangan laporan keuangan pada perusahaan perbankan yang terdaftar di Burs Efek Indonesia Tahun 2020 – 2024. Penelitian ini menggunakan Beneish M-Score untuk menghitung kecurangan laporan keuangan. Populasi dalam penelitian ini adalah perusahaan Perbankan yang terdaftar di BEI dengan menggunakan metode purposive sampling sehingga diperoleh sampel sebanyak 10 perusahaan dengan 5 tahun pengamatan dengan 50 observasi. Teknik analisis yang digunakan dalam penelitian ini adalah model regresi logistik. Hasil penelitian menunjukan bahwa financial stability, external pressure, personal financial need dan auditor change tidak berpengaruh terhadap kecurangan laporan keuangan sedangkan ineffective monitoring berpengaruh terhadap kecurangan laporan keuangan. Penelitian ini memberikan bukti bahwa pengawasan ketat OJK dan BI menjadi faktor penting yang melemahkan relevansi beberapa indikator fraud triangle, sehingga memperkaya literatur bahwa efektivitas regulasi dapat memodifikasi hubungan antara fraud triangle dan fraud.
Keywords: Beneish M-Score, kecurangan laporan keuangan, fraud triangl
POTENSI KITOSAN DARI CANGKANG INTERNAL CUMI SEBAGAI ADSORBEN LOGAM BERAT TIMBAL (Pb) DI PERAIRAN SUNGAI TALLO SULAWESI SELATAN
Get PDFHeavy metal pollution in aquatic environments is one of the serious problems that threaten the health of ecosystems and humans. Various methods have been developed to overcome this pollution, one of which is using natural materials such as chitosan. This study aims to explore the potential of chitosan produced from squid (Loligo sp.) internal shells as heavy metal adsorbents in filtration systems. Chitosan is a biopolymer known to have a high ability to bind metal ions through its amino and hydroxyl groups. In this study, chitosan was synthesized through several processes, namely Deproteination, mineralization and deacetylation of chitin extracted from squid internal shells. The resulting chitosan was characterized using infrared spectroscopy (FTIR) to identify groups formed from the chitin deacetylation process. The results showed that chitosan based on squid internal shells has an adsorption capacity that meets the standard water content of 2%, ash content of 1% and Deacetyl Degree (DD) of 82.8%. Based on the characterization of functional groups using FTIR, the hydroxyl group -OH and the amine group (-NH2) play a significant role in the heavy metal adsorption process. Because these groups are able to form complex bonds with heavy metal ions. Application in the absorption of Pb metal in water samples of the Tallo River in South Sulawesi, obtained an adsorption effectiveness of 96.4%. Overall, chitosan from squid internal shells has the potential as a heavy metal adsorbent in water filtration applications. This study opens up new opportunities in the development of natural materials for sustainable water treatment technology
ANALISIS ELEKTROFASIES BERDASARKAN DATA WELL LOGGING DALAM MENENTUKAN LINGKUNGAN PENGENDAPAN BATUBARA DI AREA PT BHUMI SRIWIJAYA PERDANA COAL, MUSI BANYUASIN, SUMATRA SELATAN
Get PDFMusi Banyuasin Regency is one of the areas in South Sumatra which has very abundant natural Coal resources. Coal still plays a very important role as a natural resource that is much needed, so it is important to know the aspects of Coal starting from the quality and characteristics of Coal as well as the Coal formation process. So it is necessary to determine the Coal deposition environment. This aims to provide additional information and to determine the characteristics of Coal so that it can provide additional information. In this study, secondary data was used in the form of LAS data files resulting from recording well logging data for 7 wells which were then processed using WellCAD 5.5 software to obtain log sheet results, namely gamma ray logs and density logs, which were then interpreted as subsurface lithology by reading the deflection log curve. From the results of reading the log curve, the lithology in the research area was obtained in the form of mudstone, siltstone, sandstone and Coal. Analyzing the grain size variations of the lithology in the research area using the electrofacies analysis method, it was found that three dominant depositional patterns in the research area were of the Serrated, Cylindrical and Symmetrical types when compared with Horne calcification. As well as Levee in hard rock, clay. And from the facies analysis it can be identified that the research area is a Delta depositional environment in the Upper Delta Plain-Fluvial zone
TINJAUAN TEMPERATUR PERMUKAAN DAN ANGIN DI WILAYAH TROPIS DUNIA
Get PDFWilayah tropis dunia merupakan daerah dengan temperatur yang relatif tinggi sepanjang tahun. Temperatur wilayah ini tentunya mempengaruhi berbagai aspek kehidupan, khususnya di wilayah tersebut. Penelitian ini menganalisis rata-rata bulanan temperatur permukaan udara (SAT) dan anomali SAT dari tahun 1940 hingga 2023, serta pola anomali angin di wilayah tropis. Hasil penelitian menunjukkan bahwa rata-rata SAT berkisar antara 23.5°C hingga 26.5°C, dengan puncak temperatur terjadi pada Mei dan Oktober setiap tahunnya. Tren jangka panjang menunjukkan peningkatan SAT dari tahun ke tahun, yang konsisten dengan pemanasan global. SAT terendah terjadi pada tahun 1943, sementara SAT tertinggi tercatat pada tahun 2024. Rata-rata anomali SAT menunjukkan variasi bulanan, dengan nilai positif pada Februari, April, Juni, dan Desember, yang kemungkinan dipengaruhi oleh fenomena atmosfer seperti El Niño dan La Niña. Analisis anomali angin mengungkap dominasi angin timuran di wilayah tropis, yang lebih cepat di atas lautan dibandingkan daratan akibat perbedaan gesekan permukaan. Variasi musiman menunjukkan perubahan pola angin, dengan puncak angin timuran pada Juni-Agustus (JJA) dan transisi ke angin baratan pada September-November (SON). Fenomena ini terkait dengan sistem sirkulasi atmosfer global, seperti Sel Hadley, angin pasat, Monsun Asia, dan Dipole Mode Indian Ocean (IOD). Penelitian ini menegaskan bahwa pola SAT dan angin tropis mengalami perubahan yang sejalan dengan variabilitas iklim global, sehingga diperlukan studi lebih lanjut untuk memahami dampak fenomena iklim terhadap dinamika atmosfe