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FEB UNS Presents Prof. Mohamad Fazli Sabri to Discuss Financial Literacy, Financial Behavior, and Financial Well-Being

Faculty of Economics and Business (FEB), Universitas Sebelas Maret (UNS), in collaboration with the UNS Fintech Center, organizes a guest lecture entitled “Sustaining Financial Well-Being: Do Financial Literacy, Financial Behavior, and Financial Education Matter?” featuring Prof. Mohamad Fazli Sabri from Universiti Putra Malaysia (UPM).

Held in Room 4202 of the Bachtiar Effendi Building, FEB UNS, the event is attended by master’s and doctoral students, as well as lecturers. The guest lecture aims to expand the understanding of the significance of financial literacy, financial behavior, and financial education in shaping sustainable financial well-being.

In his presentation, Prof. Fazli Sabri states that financial well-being is not solely determined by income level but also by an individual’s ability to manage finances, cope with economic pressures, and achieve long-term financial goals. He emphasized, “Financial well-being is not just about having enough money, but about having control, confidence, and the freedom to make sound financial decisions.”

Based on research conducted in Malaysia, the Malaysian Financial Literacy Index (MYFLIC Index) increased from 56.5 in 2015 to 59.1 in 2024. However, financial behavior and attitudes toward financial management show a declining trend, indicating a persistent gap between knowledge and practice.

Prof. Fazli further highlights that approximately 1 in 4 Malaysians experience financial shortfall due to rising living costs, alongside a high number of bankruptcy cases predominantly affecting the productive-age population. In this context, strong financial literacy and sound financial behavior play an essential role in building economic resilience at the individual and household levels.

Furthermore, he emphasizes the importance of adopting a behavioral approach in financial education so that individuals are not only aware but also capable of acting prudently in financial matters. He noted, “Financial literacy must be activated through behavior. Knowledge alone is not enough without good financial habits.”

Through this guest lecture, participants gain insights into the relationship among financial education, financial behavior, and financial well-being, as well as how digital literacy and financial technology innovations contribute to strengthening society’s economic resilience in the modern era.

This activity also reflects FEB UNS’s commitment to supporting the Sustainable Development Goals (SDGs), particularly SDG 4 (Quality Education) and SDG 8 (Decent Work and Economic Growth), by advancing financial literacy, responsible financial behavior, and sustainable financial inclusion.

5 November 2025
FEB UNS Faculty Members Disseminate Research Findings on FinTech User Behavior in the Province of Yogyakarta

The development of financial technology (FinTech) in Indonesia maintains its positive trend, although its growth remains slower than the expansion of bank lending. In the Special Region of Yogyakarta (DIY), the two most widely used FinTech services are paylater facilities and online loans. This phenomenon attracts the interest of two lecturers from the Development Economics Study Program, Faculty of Economics and Business (FEB) Universitas Sebelas Maret (UNS), Malik Cahyadin, S.E., M.Si., Ph.D., and Ayya Agmulia Asmarani Islam, S.E., M.E., to conduct an in-depth study on FinTech user behavior in the region. The survey is conducted from July to early August 2025 with funding support from the 2025 DRPM Dikti Research Grant.

As part of the dissemination process, both researchers serve as speakers in a public lecture entitled “Financial Technology User Behavior in the Province of Yogyakarta in 2025,” held at the Faculty of Economics and Business, Universitas Muhammadiyah Yogyakarta (UMY) on Friday (31/10/2025). The event is attended by approximately 80 participants consisting of students and lecturers from the Development Economics Study Program of FEB UMY.

Opened by the Head of the Development Economics Study Program of FEB UMY, Dyah Titis Kusuma Wardani, S.E., MIDEC., Ph.D., she expresses appreciation for the collaboration between the two institutions. She states, “We would like to thank the lecturers from FEB UNS for delivering a public lecture at UMY. Hopefully, future public lectures and Community Engagement activities between study programs can be strengthened to advance the academic environment and enhance students’ competencies in economics.”

In her presentation, Ayya Agmulia Asmarani Islam explains that the availability of various paylater and online loan platforms reflects the strong potential for digital financial inclusion. However, she also emphasizes the need for vigilance. She explains, “In choosing FinTech service we must only consider valid information issued by the Financial Services Authority (OJK) to avoid fraudulent illegal FinTech practices. Students should pay attention to OJK’s official information, this is an expected forms of financial literacy from an academic community.”

She further notes that survey findings show FinTech users in DIY generally demonstrate good compliance. She adds, “Repayment compliance among FinTech users remains high, indicating that the community tends to fulfill its financial obligations.”

Meanwhile, Malik Cahyadin presents survey results from 351 FinTech users in the Province of Yogyakarta, consisting of students, formal workers, and micro-entrepreneurs. The descriptive results show that 61.54% of respondents are female and 38.46% male; 85.18% are high school and undergraduate graduates; the most common age range is 20–27 years; and the majority are Muslim (93.16%).

Malik highlights that the most influential factor affecting FinTech usage decisions is individuals’ ability to adapt to financial technology and the perceived benefits it provides. “Technology adaptation positively influences FinTech usage decisions, while age and education level contribute negatively to transaction intensity,” he states.

He also provides several recommendations for authorities and industry stakeholders. “OJK and FinTech service providers need to further improve literacy efforts to ensure that the public can make appropriate financial decisions. In addition, FinTech governance and customer data security need to be strengthened in a continuous manner,” he concluded.

This public lecture serves as an academic collaboration between the Development Economics Study Program FEB UNS and the Development Economics Study Program of FEB UMY. Beyond expanding scholarly networks, the activity is also expected to enhance digital financial literacy and raise students’ awareness of responsible financial behavior in the era of financial technology.

This event supports the achievement of the Sustainable Development Goals (SDGs), particularly SDG 4 (Quality Education) through strengthening financial literacy among students, and SDG 8 (Decent Work and Economic Growth) by promoting public understanding of inclusive, secure, and sustainable financial technology use.

5 November 2025
FEB UNS Lecturers Disseminate Findings on FinTech User Behavior in Central Java and Monetary Policy Responses

The development of financial technology (FinTech) has expanded not only public access to lending services but also facilitated financial transactions, both in cash and installment-based. In line with this growth, the Financial Services Authority (OJK) has issued several regulations, from POJK No. 13/2018 on Digital Financial Innovation to POJK No. 40/2024 on Information Technology-Based Co-Funding Services, to enhance oversight of FinTech operations.

FinTech business growth in Indonesia continues to move in a positive direction, although the sector remains relatively small compared to the banking industry. This development encourages academics to study FinTech user behavior and disseminate the findings to students as part of academic learning.

As part of this dissemination effort, lecturers from the Development Economics Study Program, Faculty of Economics and Business (FEB), Universitas Sebelas Maret (UNS) deliver a public lecture entitled “FinTech User Behavior in Central Java and Monetary Policy Responses” on Saturday, 1 November 2025 at the Faculty of Engineering, Universitas Tidar (UNTIDAR). The event is attended by approximately 80 participants consisting of lecturers and students.

The Head of the Development Economics Study Program, FEB UNTIDAR, Dr. Emma Dwi Ratnasari, S.E., M.Si., conveys appreciation for the inter-university collaboration that supports the implementation of the Tri Dharma of Higher Education. “Public lectures such as this serve as an important platform for sharing research findings and enhancing students’ perspectives through direct engagement with researchers,” she said in her remarks.

Ika Alicia Sasanti, S.E., M.E., a lecturer of Development Economics at FEB UNS, in her presentation highlights the importance of accurate FinTech literacy for students in the digital era. She emphasizes that FinTech platforms currently operating are regulated by OJK and may serve as relevant topics for academic inquiry. “Students need to understand both the opportunities and risks of FinTech to make productive use of it. A repayment compliance rate exceeding 90 percent shows that the community is becoming more responsible in meeting its financial obligations,” she explained.

She further emphasizes the need for sound business governance and data security to support healthy digital financial inclusion, and she points out the importance of monetary policy that adapts to future developments in the FinTech landscape.

Following this, Malik Cahyadin, S.E., M.Si., Ph.D., a lecturer of Development Economics at FEB UNS, presents findings from his research on FinTech user behavior in the Province of Central Java, funded by the UNS Institute for Research and Community Engagement (LPPM) in 2025. The study is conducted from July to early August 2025 with 585 respondents consisting of formal workers and micro-entrepreneurs.

Survey results show that 61.03 percent of respondents are female, 56.41 percent are senior high school graduates, and the majority are aged 17–25 years. Malik explains that financial technology adoption, installment repayment ability, and trust level influence FinTech transaction intensity positively. In contrast, age and gender influence transaction levels negatively. “Beyond literacy, OJK and FinTech service providers must ensure that digital financial services operate in a trustworthy and secure manner. Bank Indonesia should also consider the implications of FinTech for money supply and inflation,” he noted.

This public lecture strengthens academic collaboration between higher education institutions and serves as a platform for integrating research outputs into student learning on digital economics. The dissemination of this research also contributes to the advancement of the Sustainable Development Goals (SDGs), particularly SDG 4 (Quality Education) and SDG 8 (Decent Work and Economic Growth), by promoting financial literacy, digital inclusion, and improved financial governance.

5 November 2025
Analisis Spasial Dalam Ekonometri: FEB UNS Hadirkan Prof. Siong Hook Law

Fakultas Ekonomi dan Bisnis (FEB), Universitas Sebelas Maret (UNS) berkolaborasi bersama Center for Fintech and Banking (UNS Fintech Center) menyelenggarakan Guest Lecture bertajuk “Spatial Durbin Model and Spatial Autoregressive Model” dengan menghadirkan Prof. Siong Hook Law, dari Universiti Putra Malaysia.

Gelaran yang dilaksanakan pada hari Jum’at, 31 Oktober 2025 tersebut dihadiri oleh lebih dari 20 mahasiswa dari program magister, doktoral, serta dosen FEB UNS.

Diskusi terkait analisis spasial tersebut bertujuan untuk memberikan pengetahuan dan pemahaman kepada para mahasiswa yang mungkin akan menggunakan alat analisis tersebut dalam tesis dan disertasi mereka.

Bertempat di Ruang 4103 Gedung Bachtiar Effendi FEB UNS, Prof. Law mengawali pembahasan dengan penjelasan terkait heterogenitas dan ketergantungan spasial.

Kedua aspek tersebut menjadi titik awal mengapa analisis berbasis spasial menjadi penting.

“Ketika kita melakukan analisis data yang mencakup data lokasi, terdapat teori yang menyatakan bahwa kota/region yang berdekatan sebenarnya lebih terkait (dependent) dibandingkan dua region yang jaraknya lebih jauh,” jelas Prof. Law.

Lebih lanjut jarak lokasi antar dua region memiliki dua implikasi. Pertama tiap region bisa memiliki karakteristik berbeda (heterogenitas) dan juga ketergantungan. Dalam konteks ini, ekonometri spasial bertujuan untuk menghitung estimasi dan menguji model ekonometri yang mencakup beberapa daerah region. Analisis ini lalu berkembang setelah munculnya GIS.

Pembahasan terkait analisis spasial dalam workshop kali ini mencakup beberapa sub-topik seperti perbedaan antara Spatial Autoregressive (SAR), Spatial Durbin Model (SDM), dan Spatial Error Model (SER).

Prof. Law juga mengajarkan cara interpretasi hasil dari efek langsung, tidak langsung, dan efek total, diagnostics test, dan penyusunan implikasi kebijakan.

“Dalam menginterpretasi hasil, efek langsung menunjukkan efek regional, efek tidak langsung menunjukkan efek spill-over, yaitu efek turunan dari region terdekat, sementara efek total merujuk pada efek gabungan dari efek langsung dan tidak langsung,” jelas Prof. Law.

Selain menyampaikan materi, Prof. Law juga menunjukkan latihan (hand-ons training) dalam penggunaan analisis spasial menggunakan program STATA.

Dalam hal ini implikasi riset spasial dapat digunakan untuk mengidentifikasi dan menyusun saran untuk targeted intervensi, menentukan dukungan pembangunan inklusif yang berkelanjutan berdasarkan lokasi, serta membimbing koordinasi pada tingkat nasional dan regional.

Sesi workshop tersebut ditutup dengan diskusi antara Prof. Law dan peserta yang tertarik untuk menggunakan analisis tersebut dalam tesis dan diseminasinya.

Kegiatan ini sejalan dengan upaya FEB UNS dalam mendukung Tujuan Pembangunan Berkelanjutan (SDGs), khususnya pada tujuan ke-9 (Inovasi dan Infrastruktur), tujuan ke-11 (Kota dan Komunitas Berkelanjutan), serta tujuan ke-17 (Kemitraan untuk Mencapai Tujuan) melalui kolaborasi akademik lintas negara dan peningkatan kapasitas riset berbasis data spasial

5 November 2025
FEB UNS Hadirkan Prof. Mohamad Fazli Sabri Bahas Financial Literacy, Financial Behaviour, dan Financial Well-Being

Fakultas Ekonomi dan Bisnis (FEB) Universitas Sebelas Maret (UNS) bekerja sama dengan UNS Fintech Center menyelenggarakan kuliah tamu bertajuk “Sustaining Financial Well-Being: Do Financial Literacy, Financial Behaviour, and Financial Education Matter?” dengan menghadirkan Prof. Mohamad Fazli Sabri dari Universiti Putra Malaysia (UPM).

Acara yang berlangsung di Ruang 4202 Gedung Bachtiar Effendi FEB UNS ini dihadiri oleh mahasiswa program magister, doktoral, serta para dosen. Kuliah tamu ini bertujuan memperluas wawasan sivitas akademika mengenai pentingnya literasi keuangan, perilaku keuangan, dan pendidikan keuangan dalam membentuk kesejahteraan finansial berkelanjutan.

Dalam paparannya, Prof. Fazli Sabri menjelaskan bahwa kesejahteraan finansial tidak hanya diukur dari tingkat pendapatan, tetapi juga kemampuan seseorang dalam mengelola keuangan, menghadapi tekanan ekonomi, serta mencapai tujuan finansial jangka panjang.

“Financial well-being is not just about having enough money, but about having control, confidence, and the freedom to make sound financial decisions,” ujarnya.

Berdasarkan hasil riset di Malaysia, indeks literasi keuangan masyarakat (MYFLIC Index) mengalami peningkatan dari 56,5 pada 2015 menjadi 59,1 pada 2024. Meski demikian, tingkat perilaku keuangan dan sikap terhadap pengelolaan keuangan cenderung menurun, menunjukkan masih adanya kesenjangan antara pengetahuan dan praktik.

Prof. Fazli juga menyoroti bahwa sekitar 1 dari 4 masyarakat Malaysia mengalami kekurangan dana akibat meningkatnya biaya hidup, serta tingginya kasus kebangkrutan yang didominasi oleh kelompok usia produktif. Dalam konteks ini, literasi dan perilaku keuangan yang baik berperan penting dalam membangun daya tahan ekonomi individu dan keluarga.

Lebih lanjut, ia menekankan pentingnya pendekatan perilaku (behavioural approach) dalam pendidikan keuangan agar masyarakat tidak hanya tahu, tetapi juga mampu bertindak secara finansial bijak.

“Financial literacy must be activated through behaviour. Knowledge alone is not enough without good financial habits,” jelasnya.

Melalui kuliah tamu ini, peserta diajak memahami hubungan antara pendidikan keuangan, perilaku keuangan, dan kesejahteraan finansial, serta bagaimana literasi digital dan inovasi teknologi keuangan dapat memperkuat ketahanan ekonomi masyarakat di era modern.

Kegiatan ini juga menjadi wujud komitmen FEB UNS dalam mendukung capaian Tujuan Pembangunan Berkelanjutan (SDGs), khususnya SDG 4 (Pendidikan Berkualitas) dan SDG 8 (Pekerjaan Layak dan Pertumbuhan Ekonomi) melalui peningkatan literasi keuangan, perilaku keuangan yang bertanggung jawab, dan inklusi finansial yang berkelanjutan.

5 November 2025
Dosen FEB UNS Diseminasikan Hasil Penelitian Perilaku Pengguna FinTech DIY

Perkembangan teknologi keuangan (Financial Technology atau FinTech) di Indonesia terus menunjukkan tren positif, meskipun pertumbuhannya masih lebih lambat dibandingkan peningkatan kredit perbankan. Di Provinsi Daerah Istimewa Yogyakarta (DIY), dua jenis layanan FinTech yang paling diminati masyarakat adalah paylater dan pinjaman daring (pindar).

Fenomena ini menarik perhatian dua dosen Program Studi Ekonomi Pembangunan (EP) Fakultas Ekonomi dan Bisnis (FEB) Universitas Sebelas Maret (UNS), Malik Cahyadin, S.E., M.Si.,Ph.D. dan Ayya Agmulia Asmarani Islam, S.E., M.E untuk melakukan penelitian mendalam mengenai perilaku pengguna FinTech di wilayah tersebut. Survei dilaksanakan selama bulan Juli hingga awal Agustus 2025 dengan dukungan pendanaan dari Hibah Penelitian DRPM Dikti Tahun 2025.

Sebagai bagian dari proses diseminasi hasil penelitian, keduanya menjadi narasumber dalam Kuliah Umum bertajuk “Perilaku Pengguna Teknologi Keuangan di Provinsi DIY Tahun 2025” yang diselenggarakan di FEB Universitas Muhammadiyah Yogyakarta (UMY) pada Jumat (31/10/2025). Kegiatan ini diikuti oleh sekitar 80 peserta yang terdiri atas mahasiswa dan dosen Program Studi Ekonomi Pembangunan FEB UMY.

Acara dibuka oleh Kaprodi Ekonomi Pembangunan FEB UMY, Dyah Titis Kusuma Wardani, S.E., MIDEC., Ph.D. Dalam sambutannya, ia menyampaikan apresiasi atas kolaborasi kedua perguruan tinggi.

“Kami berterima kasih kepada dosen-dosen FEB UNS yang berkenan mengadakan kuliah umum di UMY. Kami berharap kegiatan kuliah umum dan P2M antarprogram studi dapat diperkuat di masa datang untuk mendorong iklim akademik yang semakin baik dan memperkuat kompetensi keilmuan ekonomi bagi mahasiswa,” ungkap Dyah.

Dalam paparannya, Ayya Agmulia Asmarani Islam menjelaskan bahwa banyaknya pilihan platform paylater dan pindar menunjukkan potensi besar inklusi keuangan digital di masyarakat. Namun, ia mengingatkan pentingnya kehati-hatian.

“Pilihan layanan FinTech harus didasarkan pada informasi sahih yang dirilis oleh OJK untuk menghindari praktik penipuan FinTech ilegal. Mahasiswa sepatutnya peduli terhadap informasi resmi yang ada di OJK sebagai bentuk literasi masyarakat terdidik,” tegas Ayya.

Ia juga menambahkan bahwa hasil survei menunjukkan tingkat kepatuhan pengguna FinTech di DIY masih tergolong baik.

“Kepatuhan pembayaran pengguna FinTech masih tinggi, menunjukkan bahwa masyarakat tergolong patuh terhadap kewajiban keuangannya,” tambahnya.

Sementara itu, Malik Cahyadin memaparkan hasil survei terhadap 351 responden pengguna FinTech di Provinsi DIY yang mencakup mahasiswa, pekerja formal, dan pelaku usaha mikro.

Hasil deskriptif menunjukkan bahwa 61,54% responden berjenis kelamin perempuan dan 38,46% laki-laki; 85,18% pengguna FinTech merupakan lulusan SMA dan Sarjana; Rentang usia terbanyak pengguna adalah 20–27 tahun; dan Mayoritas beragama Islam (93,16%).

Malik menjelaskan bahwa faktor yang paling signifikan dalam memengaruhi keputusan menggunakan FinTech adalah kemampuan adaptasi terhadap teknologi keuangan dan manfaatnya dalam memenuhi kebutuhan pengguna.

“Adaptasi teknologi berpengaruh positif terhadap keputusan penggunaan FinTech, sementara usia dan tingkat pendidikan berkontribusi negatif terhadap intensitas transaksi,” jelas Malik.

Ia juga memberikan rekomendasi bagi otoritas dan pelaku industri.

“OJK dan penyedia layanan FinTech perlu meningkatkan literasi kepada masyarakat agar mampu mengambil keputusan keuangan yang tepat. Selain itu, tata kelola bisnis FinTech dan jaminan keamanan data nasabah juga harus terus diperkuat,” pungkasnya.

Kegiatan kuliah umum ini menjadi salah satu bentuk kolaborasi akademik antara Prodi Ekonomi Pembangunan FEB UNS dan Prodi Ekonomi Pembangunan FEB UMY. Selain memperluas jejaring keilmuan, kegiatan tersebut juga diharapkan dapat meningkatkan literasi keuangan digital dan kesadaran mahasiswa terhadap pentingnya perilaku keuangan yang bertanggung jawab di era teknologi finansial.

Kegiatan ini turut mendukung capaian Tujuan Pembangunan Berkelanjutan (Sustainable Development Goals/SDGs), khususnya SDG 4 (Pendidikan Berkualitas) melalui peningkatan literasi keuangan di kalangan mahasiswa, serta SDG 8 (Pekerjaan Layak dan Pertumbuhan Ekonomi) dengan mendorong pemahaman masyarakat terhadap penggunaan teknologi keuangan yang inklusif, aman, dan berkelanjutan.

5 November 2025
Dosen FEB UNS Kupas Perilaku Pengguna Fintech Jawa Tengah dan Respon Kebijakan Moneter

Keberadaan teknologi keuangan (Financial Technology atau FinTech) kini tidak hanya membuka akses bagi masyarakat untuk melakukan pinjaman, tetapi juga mempermudah transaksi keuangan, baik secara tunai maupun angsuran. Seiring dengan itu, Otoritas Jasa Keuangan (OJK) telah menetapkan sejumlah regulasi sejak tahun 2018 (POJK No.13/2018 tentang Inovasi Keuangan Digital) hingga 2024 (POJK No.40/2024 tentang LPBBTI) untuk memperkuat pengawasan terhadap usaha FinTech.

Perkembangan bisnis FinTech di Indonesia tumbuh positif meskipun masih relatif kecil dibandingkan sektor perbankan. Kondisi ini mendorong para akademisi untuk meneliti perilaku pengguna FinTech dan mendiseminasikan hasilnya kepada mahasiswa sebagai bagian dari pembelajaran akademik.

Sebagai wujud diseminasi hasil penelitian, dosen Program Studi Ekonomi Pembangunan (EP) Fakultas Ekonomi dan Bisnis (FEB) Universitas Sebelas Maret (UNS) menyelenggarakan kuliah umum bertajuk “Perilaku Pengguna FinTech Jawa Tengah dan Respon Kebijakan Moneter”, Sabtu 1 November 2025 di Fakultas Teknik Universitas Tidar (UNTIDAR). Kegiatan ini diikuti sekitar 80 peserta yang terdiri atas dosen dan mahasiswa.

Kaprodi S1 EP FEB UNTIDAR, Dr. Emma Dwi Ratnasari, S.E., M.Si. dalam sambutannya menyampaikan apresiasi atas kolaborasi antarperguruan tinggi yang memperkuat pelaksanaan Tri Dharma Perguruan Tinggi.

“Kegiatan kuliah umum seperti ini menjadi sarana berharga untuk berbagi hasil riset dan memperluas wawasan mahasiswa melalui interaksi langsung dengan para peneliti,” ungkapnya.

Dalam paparannya, Ika Alicia Sasanti, S.E., M.E. dosen EP FEB UNS, menjelaskan pentingnya literasi FinTech yang tepat bagi mahasiswa di era digital. Ia menekankan bahwa berbagai platform FinTech yang kini beroperasi telah diatur oleh OJK dan dapat dimanfaatkan sebagai bahan kajian akademik.

“Mahasiswa perlu memahami peluang dan risiko FinTech agar bisa memanfaatkannya secara produktif. Tingkat kepatuhan pembayaran yang sudah di atas 90% menunjukkan masyarakat semakin bertanggung jawab terhadap kewajibannya,” jelas Ika.

Ia juga menambahkan pentingnya tata kelola bisnis dan keamanan data untuk mendukung inklusi keuangan digital yang sehat, serta menyoroti perlunya kebijakan moneter yang adaptif terhadap perkembangan FinTech di masa mendatang.

Selanjutnya, Malik Cahyadin, S.E., M.Si.,Ph.D dosen EP FEB UNS, memaparkan hasil penelitian tentang perilaku pengguna FinTech di Provinsi Jawa Tengah yang didukung pendanaan dari LPPM UNS tahun 2025. Penelitian dilakukan pada Juli hingga awal Agustus 2025 dengan 585 responden, terdiri dari pekerja formal dan pelaku usaha mikro.

Hasil survei menunjukkan bahwa 61,03% responden adalah perempuan, 56,41% berpendidikan SMA, dan mayoritas berusia 17–25 tahun. Malik menjelaskan bahwa faktor adopsi teknologi keuangan, kemampuan membayar angsuran, dan tingkat kepercayaan berpengaruh positif terhadap intensitas transaksi FinTech. Sebaliknya, usia dan jenis kelamin berpengaruh negatif terhadap transaksi tersebut.

“Selain literasi, OJK dan penyedia layanan FinTech perlu memastikan bisnis keuangan digital ini berjalan secara terpercaya dan aman. Bank Indonesia pun perlu memperhatikan dampak FinTech terhadap jumlah uang beredar dan inflasi,” terang Malik.

Kegiatan kuliah umum ini tidak hanya memperkuat jejaring akademik antarperguruan tinggi, tetapi juga menjadi sarana penerapan hasil riset bagi mahasiswa di bidang ekonomi digital. Diseminasi penelitian ini sekaligus mendukung pencapaian Tujuan Pembangunan Berkelanjutan (SDGs), khususnya SDG 4 (Pendidikan Berkualitas) dan SDG 8 (Pekerjaan Layak dan Pertumbuhan Ekonomi) melalui peningkatan literasi keuangan, inklusi digital, dan penguatan tata kelola keuangan yang berkelanjutan.

5 November 2025
FEB UNS Collaboration with the Central Java BPKP to Strengthen Regional-Owned Enterprise Governance

Faculty of Economics and Business (FEB), Universitas Sebelas Maret (UNS), in collaboration with the Central Java Provincial Office of Financial and Development Supervisory Board (BPKP), organizes a Workshop on the Implementation of Governance for Regional-Owned Enterprises (BUMD) at UNS Tower. Organized on Monday, 3 November 2025, the workshop brings together Directors and Supervisory Board members from 32 Regional-Owned Enterprises across Central Java, including regional drinking water companies and province-level enterprises. The workshop aims to reinforce the implementation of Good Corporate Governance (GCG) principles in BUMD management and to support enhanced accountability and professionalism in regional enterprise operations.

The Dean of FEB UNS, Prof. Bhimo Rizky Samudro, S.E., M.Si., Ph.D., states that the program forms part of a long-term collaboration between FEB UNS and BPKP established over recent years. The collaboration includes training programs, joint research, and the development of partnership-based classes involving lecturers and practitioners. “This collaboration brings significant benefit not only to BPKP but also to FEB UNS. This workshop is a concrete step in strengthening synergy between the academic environment and supervisory institutions to support more effective and precise BUMD governance,” Prof. Bhimo explains.

He also expresses hope that the outcomes of the workshop will contribute meaningfully to improving BUMD governance in Central Java, ultimately supporting regional development.

The Head of the Central Java BPKP Provincial Office, Buyung Wiromo Samudro, S.E., MBA., explains that the workshop is part of the 2025 evaluation study on the effectiveness of Good Corporate Governance implementation in BUMD. He affirms that GCG is essential for every BUMD in conducting its business operations. The principle is also mandated in Government Regulation No. 54 of 2017 on BUMD, serving as a foundation for building professional, transparent, and integrity-based governance.

“Ensuring effective implementation of GCG requires commitment from regional leaders so that the principles of good governance are internalized across all corporate organs, from the supervisory board and directors to staff members,” Buyung states.

Buyung further notes that BPKP has carried out GCG assessments in three BUMD in Central Java—Surakarta, Demak, and Sragen. The assessments aim to ensure that corporate governance principles are implemented in accordance with regulations and support public value creation. He also shares that BPKP’s attention to corporate governance began in the late 1990s, when the institution formed a special GCG task force to strengthen governance in state-owned enterprises before expanding its focus to regional-owned enterprises, which have their own distinct characteristics and challenges. “BUMD plays a strategic function not only as business entities but also as agents of regional development. Therefore, synergy with academic institutions such as UNS is important to develop governance methodologies and evaluations that suit regional needs,” he explains.

On this occasion, the Vice-Rector for Planning, Collaboration, Internationalization, and Information UNS, Prof. Irwan Trinugroho, S.E., M.Sc., Ph.D., QCRO., expresses appreciation to BPKP for its trust in UNS. He emphasizes that UNS places strong emphasis on strengthening governance and integrity within public institutions through research, education, and community engagement. Prof. Irwan states, “This collaboration has been long-standing, involving joint research, outreach programs, and BPKP staff development at UNS. This workshop represents a concrete form of synergy between academics and practitioners in strengthening governance for public institutions and regional corporations.”

He further highlights that improved governance will align positively with the performance and contribution of BUMD to regional development. “When BUMD has good governance, their performance improves, public services are enhanced, and eventually they contribute positively to regional revenue and community welfare,” he adds.

The workshop, presented by resource persons from BPKP and FEB UNS, concludes with a Focus Group Discussion (FGD) session on strategies for achieving effective governance implementation in BUMD. Through this forum, participants are expected to obtain practical perspectives and actionable strategies for strengthening GCG in their respective regions.

This collaboration not only contributes to improved BUMD governance but also supports the advancement of the Sustainable Development Goals (SDGs), particularly Goal 16:Peace, Justice and Strong Institutions and Goal 8: Decent Work and Economic Growth, through strengthened institutional capacity and equitable, sustainable economic governance at the regional level.

4 November 2025
FEB UNS dan BPKP Jateng Kolaborasi Dorong Penguatan Tata Kelola BUMD

Fakultas Ekonomi dan Bisnis (FEB) Universitas Sebelas Maret (UNS) bekerja sama dengan Badan Pengawasan Keuangan dan Pembangunan (BPKP) Perwakilan Provinsi Jawa Tengah menyelenggarakan Workshop Penerapan Tata Kelola Badan Usaha Milik Daerah (BUMD) di UNS Tower.

Kegiatan yang digelar pada Senin, 3 November 2025 dihadiri oleh jajaran Direksi dan Dewan Pengawas dari 32 BUMD di Provinsi Jawa Tengah, baik dari perusahaan daerah air minum maupun BUMD tingkat provinsi.

Workshop bertujuan untuk memperkuat implementasi prinsip Good Corporate Governance (GCG) dalam tata kelola BUMD serta mendorong peningkatan akuntabilitas dan profesionalisme pengelolaan usaha milik daerah.

Dekan FEB UNS, Prof. Bhimo Rizky Samudro, S.E., M.Si., Ph.D., dalam sambutannya menyampaikan bahwa kegiatan ini merupakan bagian dari kerja sama berkelanjutan antara FEB UNS dan BPKP yang telah diinisiasi sejak beberapa tahun terakhir. Kolaborasi tersebut meliputi berbagai kegiatan, mulai dari pelatihan, riset bersama, hingga pengembangan kelas kerja sama yang melibatkan dosen dan praktisi.

“Kerja sama ini sangat bermanfaat, bukan hanya bagi BPKP, tetapi juga bagi kami di FEB UNS. Kegiatan workshop ini menjadi langkah konkret dalam memperkuat sinergi antara dunia akademik dan lembaga pengawasan untuk mendukung pengelolaan BUMD yang lebih efektif, presisi, dan tajam” ujar Prof. Bhimo.

Ia berharap hasil dari kegiatan ini dapat berkontribusi nyata terhadap peningkatan tata kelola BUMD di Jawa Tengah, yang pada akhirnya berdampak positif bagi pembangunan daerah.

Sementara itu, Kepala Perwakilan BPKP Provinsi Jawa Tengah, Buyung Wiromo Samudro, S.E., MBA, menjelaskan bahwa kegiatan ini merupakan bagian dari kajian efektivitas penerapan Good Corporate Governance bagi BUMD tahun 2025.

Ia menegaskan, penerapan GCG merupakan keniscayaan bagi setiap BUMD dalam menjalankan bisnisnya. Prinsip ini juga diamanatkan dalam Peraturan Pemerintah Nomor 54 Tahun 2017 tentang BUMD sebagai upaya untuk menciptakan tata kelola yang profesional, transparan, dan berintegritas.

“Untuk memastikan penerapan GCG berjalan baik, dibutuhkan komitmen dari kepala daerah agar semangat good governance menular ke seluruh organ perusahaan, mulai dari dewan pengawas, direksi, hingga jajaran karyawan,” terang Buyung.

Buyung juga memaparkan bahwa BPKP telah melakukan asesmen penerapan GCG pada tiga BUMD di Jawa Tengah, yaitu di Surakarta, Demak, dan Sragen. Pengawasan ini bertujuan memastikan prinsip tata kelola korporasi dijalankan sesuai regulasi dan berorientasi pada peningkatan nilai publik.

Lebih lanjut, ia menuturkan bahwa perhatian BPKP terhadap tata kelola korporasi telah dimulai sejak akhir 1990-an. Kala itu, BPKP membentuk task force khusus GCG yang berperan dalam memperkuat tata kelola di BUMN, sebelum kemudian memperluas fokusnya pada BUMD yang memiliki karakteristik dan tantangan berbeda.

“BUMD memiliki peran strategis tidak hanya sebagai pelaku usaha, tetapi juga agen pembangunan daerah. Karena itu, sinergi dengan dunia akademik seperti UNS menjadi sangat penting untuk mengembangkan metodologi dan evaluasi tata kelola yang relevan dengan kebutuhan daerah,” jelasnya.

Dalam kesempatan yang sama, Wakil Rektor Bidang Perencanaan, Kerja Sama, Internasionalisasi, dan Informasi UNS, Prof. Irwan Trinugroho, S.E., M.Sc., Ph.D., QCRO menyampaikan apresiasi kepada BPKP atas kepercayaannya kepada UNS.

Ia menegaskan bahwa UNS memiliki perhatian besar terhadap penguatan tata kelola dan integritas lembaga publik, baik melalui riset, pendidikan, maupun pengabdian kepada masyarakat.

“Kolaborasi ini sudah lama terjalin, baik dalam bentuk riset bersama, sosialisasi, maupun tugas belajar pegawai BPKP di UNS. Workshop ini menjadi wujud nyata sinergi antara akademisi dan praktisi dalam memperkuat tata kelola sektor publik dan korporasi daerah,” ujar Prof. Irwan.

Ia juga menekankan bahwa tata kelola yang baik akan berbanding lurus dengan kinerja dan kontribusi BUMD terhadap pembangunan daerah.

“Jika BUMD memiliki tata kelola yang baik, maka kinerjanya akan meningkat, layanan publik akan membaik, dan pada akhirnya berkontribusi positif terhadap pendapatan daerah serta kesejahteraan masyarakat,” tambahnya.

Workshop yang menghadirkan narasumber dari BPKP dan FEB UNS diakhiri dengan sesi Focus Group Discussion (FGD) mengenai strategi penerapan tata kelola yang efektif di BUMD. Melalui forum ini, peserta diharapkan memperoleh wawasan dan rumusan praktis untuk memperkuat implementasi GCG di masing-masing daerah.

Sinergi ini tidak hanya berkontribusi pada peningkatan kualitas pengelolaan BUMD, tetapi juga mendukung pencapaian Tujuan Pembangunan Berkelanjutan (SDGs), khususnya Goal 16: Peace, Justice and Strong Institutions serta Goal 8: Decent Work and Economic Growth, melalui penguatan kelembagaan dan tata kelola ekonomi daerah yang berkeadilan dan berkelanjutan.

4 November 2025
FEB UNS Launches Academic Handbook for Undergraduate, Master’s, and Doctoral Programs

Faculty of Economics and Business (FEB), Universitas Sebelas Maret (UNS) officially launched “Academic Handbook for Undergraduate, Master’s, and Doctoral Programs” on Friday, 3 October 2025. The event was conducted virtually and attended by all undergraduate, master’s, and doctoral students, as well as faculty members of FEB UNS.

In her remarks, Vice Dean for Academic and Research Affairs, Prof. Tri Mulyaningsih, S.E., M.Si., Ph.D., emphasized the significance of the session for students. The academic handbook serves as a primary reference to help students navigate their academic journey in a more structured and focused manner.

“There are two main objectives of this activity: improving the quality of graduates and enhancing the quality of curriculum and learning experiences. The academic and curricular information presented in this handbook will help students to graduate on time, acquire knowledge and skills relevant to the job market, and ensure a meaningful and enjoyable learning experience at FEB UNS,” she explained.

Prof. Tri further added that the handbook also provides a comprehensive understanding of academic regulations, including lecture procedures, scientific writing guidelines, and the stages of final project completion. With this information, students are expected to design more effective learning strategies, enabling them not only to graduate but also to gain competencies that are relevant to professional settings.

The handbook covers various essential aspects, including the vision and mission of UNS and FEB, organizational governance, academic regulations, curriculum, and supporting facilities. It is divided into three categories the Undergraduate Programs: Accounting, Management, Development Economics, and Digital Business. Master’s Programs covering the Master of Accounting (MAKSI), Master of Economics and Development Studies (MESP), and Master of Management (MM), and lastly the Doctoral Program in Economics (PDIE) with specializations in Accounting, Management, and Economics.

In addition to the launching session, the event also addressed the latest regulations regarding student internships. Vice Dean for Student and Alumni Affairs, Tastaftiyan Risfandy, S.E., M.Sc., Ph.D., explained that internships at FEB UNS are divided into two categories: compulsory internships and independent internships. The compulsory internship is part of the curriculum, worth 3 credits, and requires submission of a final report. Meanwhile, the independent internship is initiated by students, carries no credit load, and does not require reporting. Detailed information on internship programs is included in the Academic Handbook.

As a parallel session of the event, students participated in breakout room sessions led by each Head of Study Program. During these sessions, students received more in-depth explanations about the curriculum, academic regulations, and learning strategies specific to their programs. The interactive sessions provided opportunities for students to ask questions directly and obtain information tailored to their academic needs.

Through the launch of this Academic Handbook, FEB UNS hopes that all students can follow a clearer academic path, understand their rights and responsibilities, and make full use of the available learning facilities. This initiative also reaffirms FEB UNS’s commitment to supporting the achievement of the Sustainable Development Goals (SDGs), particularly Goal 4 (Quality Education) through strengthened learning systems, Goal 8 (Decent Work and Economic Growth) through internship regulations, and Goal 9 (Industry, Innovation, and Infrastructure) through the provision of modern learning facilities.

1 November 2025