Technology In Indonesia Research Articles

The influence of efficacy, credibility, and normative pressure to M-banking adoption level in Indonesia

The use of smartphone technology has been beneficial. One of smartphone utilization is the use of Mobile Banking. However, the adoption rate of Mobile Banking technology in Indonesia is still relatively low. This research aims to know the adoption rate of Mobile Banking in Indonesia using Technology Acceptance Model. Based on the result, it shows that the influence of self-efficacy on perceived ease of use, self-efficacy and perceived credibility on attitude towards use, and attitudes towards use on adoption intentions provide significant value. The result can conclude that users are confident and trusted in themself in using the M-Banking application. Still, users do not feel the ease and usefulness offered by the M-Banking application in Indonesia.

Modelling Australian Transaction Reports and Analysis Centre (AUSTRAC) for Indonesia in Order to Combat Financial Crime

Financial technology (FinTech) rapidly expanding in Indonesia, fund manager around the world eager to invest and diversify their portofolio in this new business strategy, this is due to the fact that Indonesia is the largest economy in the South East Asian (ASEAN) region as well as the 4th most populated country in the planet. As a result this make the market for financial technology in Indonesia has enormous potential in the future. However, because financial crime is a threat, Indonesia must enchancing their Anti Money laundry (AML) laws for being more practical and adaptable to the current situation. This paper will do doctrinal legal research to analyze effectiveness current law applicable to fight againts money launderer in Indonesia and comparative law system with modelling AUSTRAC from the Australia which have similar issue with Indonesia. In this respect, data suggest Indonesia in condition almost rechtvaccum for financial tehcnology law and AUSTRAC system in Australia most likely sufficient to implement in Indonesia in order combat money launderer

Analysis of the Effect of Financial Literacy, Practicality, and Consumer Lifestyle on the Use of Chip-Based Electronic Money Using SEM

Industry 4.0 trends have a significant influence on the acceleration of technology in Indonesia. The development of financial technology has shifted conventional transactions to electronic money as a means of payment with a digital system. Electronic money users in Indonesia continue to grow, while several factors affect consumer decision making to use electronic money. This study aims to analyze the effect of financial literacy, practicality, and consumer lifestyle on consumer interest in using chip-based electronic money. This research uses a quantitative approach with primary data obtained through questionnaires to chip-based electronic money users. The analytical method used is Structural Equation Modeling (SEM) to verify the factors that determine the indicators of the findings of interest in the use of chip-based electronic money. The study results indicate that: (a) Financial literacy has a significant positive effect on interest in using chip-based electronic money by 14.6%; (b) Financial literacy has a significant positive effect on practicality in the use of chip-based electronic money by 51.8%; (c) Practicality in the use of chip-based electronic money has a significant positive effect on consumer lifestyles by 71.3%; (d) Practicality has a significant positive effect on the use of chip-based electronic money by 25%; and (e) Consumer lifestyle has a significant positive effect on the use of chip-based electronic money by 52.8%. The study results imply that it can be used as a consideration for making monetary policy in Indonesia, dealing with the rapid growth in the use of chip-based electronic money.

Study of Mobile Operator Readiness Measurement in Indonesia for 5G Technology Deployment

The readiness of mobile operators in implementing 5G technology is essential in providing an overview for the government regarding the level of readiness of mobile operators so that they can provide input for policies that the government will issue regarding the deployment of 5G technology in Indonesia. This study aims to measure the level of readiness of mobile operators in 5G technology deployment. The research method by measuring the readiness index of mobile operators includes infrastructure, spectrum, demand, revenue, and ARPU. Research data is secondary data obtained from the Ministry of Communication and Information Technology. The results showed that PT. Telkomsel is the readiest to deploy 5G in Indonesia. For the next rank, namely PT. XL-Axiata, PT. Indosat, PT. Smartfren, H3I, and the last one is PT. Sampoerna Telekomunikasi Indonesia (STI).

Literasi Keuangan Digital Sebagai Upaya Pembekalan UMKM Kampung Binaan Go Digital

UMKM transformation continuous to be carried out as an effort to strengthen UMKM, namely through the use of digital technology. The rapid development of digital technology in indonesia which fosters various digital platforms that offer innovation in production, consumption, collaboration and sharing provides opportunities for UMKM to adapt and transform. The formulation of this problem is how the UMKM of Pamekasan assited villages are digitally literate so that they can take advantage of digital in their business processes. The conclusion of this activity is that UMKM can already use digital marketing, financial technology and payment innovation in their business. The disadvantage of this activity is that it takes a long process to see whether this program is achieved well or not, so UMKM still need further assistance and mentoring. 
 Keyword: digital financial literacy, UMKM, Go digital

Development of Technology Ferrous Metal Melting Furnace Ancient Times in Indonesia

Abstract. Technological knowledge of the use of metals is inseparable from human knowledge in the processing pyrotechnics of fire as a power in high temperature processes for producing objects. The fire is used for smelting and casting in melting furnaces. Metal smelting furnace is a heat production device, which is used to purify the metal, in this case iron. This paper aims to determine the development of ferrous metal smelting furnace technology in Indonesia with the library research method from the results of previous studies. Based on the results of the analysis, there are four technologies for smelting iron, namely pit kiln, bloomery furnace, blast furnace, and induction furnace. Of the four technologies, three are in use in Indonesia, namely bloomery furnace, blast furnace, and induction furnace.

Factors Affecting Blockchain Adoption In Indonesia

Two cognitive beliefs in the Technology Acceptance Model (TAM), namely perceived usefulness and perceived ease of use, have been considered central in determining acceptance of information technology in recent decades. These two cognitive beliefs are not necessarily able to fully explain user behavior towards new information technologies such as blockchain technology, so this study will explore the factors that influence the acceptance of blockchain technology in Indonesia by integrating the TAM model with aspects of perceived security, perceived risk, trust, perceived strategic value, and cost-saving to develop a comprehensive TAM. Based on a survey conducted on 250 people who work in the banking, telecommunications, and government sectors as well as the research design using quantitative, the model was tested using a structural equation modeling which resulted in empirical findings stating that there was a significant effect given by perceived security, perceived risk, trust, perceived strategic value, and cost-saving, to the acceptance of blockchain technology

Business analysis of implementation of UCG technology in Indonesia

There is a deep-seated coal potency with a depth more than 100 meters below surface in Indonesia that has not been exploited yet. Underground Coal Gasification (UCG) is an unconventional technology that can become the solution to exploit the deep-seated coal potential by extracting coal into in-situ gas that can be converted to electricity or chemicals. Based on business analysis, this paper aims to analyze the implementation of UCG technology in Indonesia, whether it is potential or not. Data are collected from literature and analyzed using Porter Five Forces and PESTLE Analysis. The Porter Five Forces analysis shows that the implementation of UCG in Indonesia is still potential as an industry because the only threat will come from substitute products. PESTLE analysis shows that almost all the factors, except for technology, are very supportive of implementing UCG commercial plants in Indonesia. Based on both studies, it can be concluded that the UCG project is very potential to be developed in Indonesia. However, it needs full support and control from the government because it will become a pioneer project with financial and environmental risk still has not quantified ideally.

Advantages of underground coal gasification implementation in Indonesia

Underground Coal Gasification (UCG) is an energy manufacturing process whereby coal is gasified or chemically converted into a gas, in-situ. UCG has several benefits in terms of low capital cost, lower environmental impact, high energy density and long-term production certaint y. The objective of this study is to describe the advantages of implementing UCG technology in Indonesia based on UCG gas resources, product market, coal quality and availability of regulation to support UCG projects. UCG gas resources are estimated based on data of CBM resource and coal quality was examined by heat treatment. The size of conservatively estimated potential UCG gas manufacturing volume in Indonesia based on CBM data is 160 TCF which is greater than Indonesia’s natural gas reserves, namely 142.7 TCF. UCG gas markets are available in South Sumatera and East Kalimantan since the natural gas production in the two provinces is declining significantly. UCG in Indonesia is regulated under the mineral and coal regulatory regime, which brings some benefits, including more flexibility in the type of drilling rigs that can be used for UCG, compared to oil and gas drilling.

Information and Communication Technology Infrastructure in Public-Private Partnership In Financial Technology In Indonesia

We collect reports from the Asian development bank (adb.org) related to information and communication technology infrastructure development projects with a public-private partnership system. For fintech development data, we use secondary data from the OJK or the Indonesian financial data authority. We process data by matching the timing of each project and the impact on the development of fintech in Indonesia including financial literacy which also uses sources from the OJK. The period of the year in data collection is 10 years, namely from 2010 to 2020 with a monthly data period so that there are 120 data periods in the calculation for each variable (12 months per year x 10 years). We use the ARDL model to understand the causal relationship of each variable. We found that in the long term information and communication technology infrastructure development projects with a public-private partnership system (ITCD) have a significant positive relationship to financial literacy in Indonesia. However, the short term is not significant. This demonstrates that the long-term effects of infrastructure development may be felt after the project is done. Fintech development (FD), in contrast to ITCD, does not have a long-term beneficial influence on financial literacy in Indonesia. However, there will be a major beneficial influence in the near run. In both the long and medium-term, the Indonesian government's infrastructure budget for information and communication technology infrastructure development (IFB) has a substantial influence on financial literacy in Indonesia. Similarly, both in the short and long term, the public-private partnership budget ratio (PPPR) has a strong beneficial influence on financial literacy in Indonesia.

Menelaah kembali perilaku belanja makanan online di era pandemi covid-19

The COVID-19 pandemic has changed the social order of human life, public health, and business operations with so many social restrictions that occur. The phenomenon has changed food shopping behaviour in society. This article aims to analyze changes in food shopping due to the limited space for human mobility and cause all aspects of life to depend on internet technology in Indonesia. Online food delivery platforms or Mobile Food Ordering Applications (MFOA) provide an accessible marketplace for any restaurant which is significantly utilized during the pandemic era. Online food delivery services also carry out advertising activities through internet marketing. The method used in this article is a literature review. The results show that this change in spending patterns is supported by many official policies to stay at home. Advertising messages with content showing sympathy and solidarity are the most sought after by consumers in the pandemic era. The implications of this research can be initial research to conduct more in-depth research in terms of consumer behaviour, internet marketing, and advertising in the context of digital media during the pandemic. Understanding the consumer landscape will enable online food delivery platforms to fulfill their full potential in terms of impacting people's economies, businesses, and quality of life.

Finance Technology as a Solution to Get Capital for Small Business Today

Financial technology in Indonesia has enormous potential and is easy to manage compared to banks. Financial technology is also easier to use as a source of capital for both stable companies and start-ups. Despite the fact that the great potential can be felt by the public. Other current financial technology companies can integrate funding, financing, and profit distribution systems. In the current era, it is supported by the use of digitalization process technology and using the Financial Technology (FinTech) system so that it is economical and efficient. The benefits of this research are expected to be a solution to capital problems that have been faced by small businesses. In addition, it also encourages the growth and development of entrepreneurship for young people, which can be started by establishing a startup company. This research approach is descriptive qualitative. The data taken is primary data with focus group discussions and interviews as data collection techniques. The research object consists of 30 startups owned by youth in Jakarta. The results of this study can be used as an alternative economical solution to capital problems for small businesses and startup companies. The Financial Technology System is a system that is able to integrate funding, financing, investors, startup companies, Financing Guarantee Institutions, and Banks

SAFETY ASSESSMENTS FOR SUPPORTING THE APPLICATION OF NUCLEAR TECHNOLOGY IN INDONESIA AND A COMPREHENSIVE STUDY ON HIGH NATURAL RADIOACTIVITY AREA

SAFETY ASSESSMENTS FOR SUPPORTING THE APPLICATION OF NUCLEAR TECHNOLOGY IN INDONESIA AND A COMPREHENSIVE STUDY ON HIGH NATURAL RADIOACTIVITY AREA. Historically BATAN was established to investigate the negative impacts of nuclear explosions previously conducted in the Pacific area. However, this governmental institute is presently tasked to carry out research and development as well as services in the field of radiation safety and metrology. Therefore, this study aim to determine the activities carried out by BATAN in assessing the safety of workers and the environment. For instance, a standard source of dosimetry laboratory (SSDL) is used in calibration services to successfully support radiotherapy, with the highest achievement in the Designated Institute (DI) for Ionizing Radiation. The health research covers the application of gamma rays to create malaria vaccine, diagnose metabolic diseases with nuclear medicine techniques, and microdosimetry through radiodiagnostic assessment. This study also determined the effective dose and epidemiological study of radioecology and radiation biology in Mamuju (HBRA), which provides a unique opportunity to examine the health effects of chronic low-level radiation exposure to humans. Furthermore, the authors collaborated with Hirosaki University to obtain valuable information on the essential need to assess the health and physical status as well as cytogenetic and deoxynucleotide acid (DNA) damages in the lymphocytes of local populations. Dosimetry study was conducted by direct measurement in the field area by analyzing external radiation exposure of indoor and outdoor gamma dose rate. The internal radiation assessment was conducted by taking urine and inhaled air (radon) from the residents. Studies through the cytogenetic response supported by γ-H2AX, G0, and G2 micronucleus assays and TP53 showed no impacts on the natural radiation with significant differences compared to the control. Marine radioecology studies and radionuclides monitoring throughout the Indonesian archipelago showed no negative impacts as well. Nuclear emergency practice needs to be routinely conducted in the Center for strengthening safety and security cultures.

Respons Perilaku Pasar Terhadap Teknologi Informasi di Indonesia dalam Tinjauan Ekonomi Islam

The market behavior response to the rapidly growing information technology in Indonesia is forcing the market to adapt quickly. In the digital era 4.0, there have been quite extreme changes in business models. Even the giant companies have gone out of business. In the perspective of Islamic economics this phenomenon continues to be studied. In one condition, business growth is growing very fast and on the other hand the fatwas of the ulama are often left behind. This qualitative research is presented with a phenomenological approach and sharia compliance. The data analyzed are secondary data related to the latest facts about the information technology market. The author uses the theory of market behavior change to strengthen this argument. In principle, Islam always gives appreciation to technological developments that aim to facilitate human work, as long as these facilities do not violate the forbidden boundaries. In the perspective of Islamic economics, the focus is on the business schemes that are run and the muamalah contracts that are used whether they meet the requirements and pillars or not. If the conditions and pillars are met then the business can be run. Simply put, please do business using advanced technology but still comply with sharia principles.

Development of green skills module for meat processing technology study

AbstractGreen skills need to be developed in vocational education for sustainable future. However, the vocational high school curriculum of agricultural food processing technology in Indonesia does not explicitly state the development of green skills. Teaching materials, such as module are needed to develop vocational students’ green skills. This study aimed to develop green skills module for meat processing technology at vocational high schools. Development of this module used the analysis, design, development, implementation, and evaluation (ADDIE) model. The contents for a green skills module were developed based on a need analysis for the elements of green skills that must be developed in vocational high schools, curriculum and a literature review analysis related to sustainability in meat processing technology. The module was designed using a scientific approach to strengthen active student learning as per the 2013 curriculum policy for vocational high schools in Indonesia. The developed module was sent to the four selected experts for validating. It gained score of 88.56% in material aspect about meat processing technology by the material experts and 89.18% in media aspects by the media experts. These scores mean that the module was categorized as very feasible. Based on the pre‐test and post‐test of students’ green skills with this module, the calculation of n‐gain test was 0.4 which means moderate category. The findings of this study imply that the module can be used in learning to improve student's green skills. This study may be adapted for the development of other subject modules in vocational schools.

Battle over the sun: Resistance, tension, and divergence in enabling rooftop solar adoption in Indonesia

This article examines sustainability transitions in the Global South, focusing on the adoption of rooftop photovoltaic (PV) systems in Indonesia as a case study. Based on 55 in-depth interviews and a secondary data review, we develop an alternative analytical framework that draws insights from geographical political economy and political ecology. This alternative lens allows us to better inform the socio-technical transition literature by uncovering both the spatial implications of renewable energy transitions and the power differentials underpinning them. We find that the emergence of rooftop PV technology in Indonesia has provoked resistance, as it challenges the incumbent power company’s monopoly over urban space, the Java-Bali grid system’s dependency on coal-based electricity, and state-led practices that prioritise the implementation of small-scale solar in rural and remote areas. We argue that paying attention to the asymmetric power relations among institutions and actors across multiple scales offers a more-fine grained approach to analysing the dynamics of sustainability transitions. Our findings also call for greater attention to diverse and divergent perspectives among niche actors, emphasising the need to genuinely embrace local voices and knowledge that might otherwise be marginalised by the dominant globally and nationally driven narratives of renewable transition.

Education, Health and Technology in Indonesia's Economic Recovery Efforts Based on Three Human Performance Theory

This study aims to examine the gap between human capital theory and allocation theory in Indonesia to see the dominant factors driving economic growth by making the solow theory a bridge theory or an intermediary between the gap between human capital theory and allocation theory. In order to understand and test the human capital theory and allocation theory in Indonesia, testing is carried out using the autoregressive threshold quantitative method. The use of the autoregressive Threshold quantitative method aims to see the behaviour of data from the education, health and technology variables so that it can be seen clearly that the dominance of the economic growth drive comes from human capital or from the human side in accordance with the explanation of human theory or from the outside of the human self and in this study technology as explained by the allocation theory. We find that in Indonesia, the role of human capital is very important because human capital in the case of Indonesia is a major factor in driving economic growth and technology plays a role as a supporter of human performance. This is in accordance with the human capital theory and does not support the allocation theory

THE ROLE OF SHARIA FINTECH IN DEVELOPING ISLAMIC ECONOMY IN THE DIGITAL ERA IN INDONESIA

Indonesia is one of the countries that has great potential for the development of the digital economy. The development of financial technology in Indonesia is increasing rapidly lately. This can be seen from the large response of indonesian people to the existence of fintech. This research aims to find out how sharia fintech plays in developing the Islamic economy in the digital age in Indonesia. This research method uses literature review approach by using the study materials of previous journals, books and other references. The results showed that FinTech plays an active role in the development of the national sharia economy in the digital era in Indonesia, as well as the strengthening of startup companies that can strengthen the halal industry chain, so as to create a sharia economy based on technology infrastructure. With this Islamic FinTech is expected in the future can improve inclusive finance, and can increase the economic growth of Islam in Indonesia. Fintech is an alternative solution to the creation of sharia financial transactions that are easier, faster and more efficient. In addition, sooner or later with the potential and wealth of Natural Resources Indonesia has the opportunity to become the center of the world halal industry that will promote halal food, halal fashion and halal tourism to go to the Global Islamic Economy.

The Urgency of Revising the Finance Services Authority Regulation Number 77/POJK.01/2016 As an Umbrella Law in Practicing Peer to Peer Lending Based on Financial Technology in Indonesia

A BSTRACT The presence of Peer to Peer Lending Based on Financial Technology (Fintech) in Indonesia is a real manifestation of a technological advancement. The advantage of technology is its simplicity, but like two sides of a coin, technological advances in financial services also cause polemics and problems. Based on complaints received by the Financial Services Authority, there are 2 things that are often complained about by borrower, it is regarding the unwise use of private data that is used as a way of collecting debt by peer to peer providers and the way they contact borrower for collecting debt. Even though it is considered controversial, the growth of fintech service providers has accelerated to 200%. These are show the urgency that the Financial Services Authority Regulation No.77/POJK.01/2016 requires revision because it is not in suitable with the current development of Fintech. The Financial Services Authority Regulation No.77/ POJK.01/2016 requires revisions regarding the restrictions on access on borrower’s device, it must be only camera, microphone, and location only, no access to contact or gallery, then related to more detailed in regulating the operations of the fintech provider company, and related regulation for the minimum capital for the fintech provider company. Keywords : Peer to Peer; Lending; Fintech; Borrower  ABSTRAK Hadirnya Peer to Peer Lending Berbasis Financial Technology ( Fintech ) di Indonesia adalah manifestasi nyata dari sebuah kemajuan teknologi. Keunggulan dari suatu teknologi adalah kemudahannya, namun ibarat 2 sisi mata uang, kemajuan teknologi dibidang jasa keuangan ini juga menimbulkan polemik serta permasalahannya. Berdasarkan pengaduan yang diterima Otoritas Jasa Keuangan terdapat 2 hal yang sering diadukan oleh peminjam, yaitu perihal penggunaan data pribadi peminjam secara tidak bijak dan cara penagihan hutang oleh perusahaan penyedia layanan yang dinilai tidak sesuai ketentuan yang berlaku. Walaupun dinilai kontroversial, namun pertumbuhan perusahaan penyedia layanan fintek melaju sangat pesat sampai 200%. Beberapa hal ini menunjukan urgensi bahwa peraturan otoritas jasa keuangan No.77/POJK.01/2016 memerlukan revisi karena sudah tidak sesuai dengan perkembangan Fintek sekarang ini. Peraturan Otoritas Jasa Keuangan No.77/POJK.01/2016 memerlukan revisi terkait pembatasan akses perusahaan penyedia layanan terhadap gawai dari peminjam, yaitu hanya kamera, mikrofon, dan lokasi saja, tidak ada akses ke kontak maupun galeri, selanjutnya terkait pengaturan yang lebih detail terhadap operasional perusahaan penyedia layanan, dan pengaturan terkait minimum modal bagi perusahaan penyedia layanan. Kata Kunci : peer to peer; lending; fintek; pinjaman

THE RELATIONSHIP OF ADOLESCENT KNOWLEDGE LEVEL AND ATTITUDE ABOUT DRUGS WITH THE EVENT OF DRUGS USING IN KORONG PARAK JUA NAGARI LURAH AMPALU SUB-DISTRICT VII KOTO SUNGAI SARIK, PADANG PARIAMAN REGENCY

Drug abuse still threatens teenagers, even though Indonesia has committed to being drug-free. 19% of the number of teenagers in Indonesia, or about 14 thousand teenagers, are indicated to be drug users. It is indeed very difficult to prevent the use of drugs among students, because the circulation of drugs is also increasingly intense along with the development of drug production technology in Indonesia. Psychologically, teenagers are very unstable or easily influenced by things that are less profitable and even endanger themselves and their future, such as narcotics is very dangerous for teenagers who have fallen into using narcotics. Some cases in adolescents who have become drug addicts begin with their curiosity about drugs, but due to a shallow understanding of drugs they are more deceived by temporary benefits and do not understand the bad consequences in the future. Pariaman Police the number of drug and psychotropic users found 27 cases, which increased sharply from 8 cases to 19 cases. Meanwhile, in Kabupaten Padang Pariaman, drug users in their teens were also found, as many as 50 cases, 14 of which were teenagers. The research used in this research is descriptive analytic with cross sectional method. The population in this study were teenagers in Korong Parak Jua Nagari Lurah Ampalu District VII Koto Sungai Sarik Padang Pariaman Regency as many as 83 people. The sampling technique is total sampling. The results of this study found that there was a significant relationship between knowledge about drugs and drug use, and there was a significant relationship between attitudes about drugs and drug use in Korong Parak Jua Nagari Lurah Ampalu District VII Koto Sungai Sarik Padang Pariaman Regency. Lack of control over the social environment of teenagers is also one of the causes of teenagers trying to use drugs because they have the attitude that drugs are a symbol of today's youth association.