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All Journal INTERNATIONAL JOURNAL OF SOCIETY REVIEWS (INJOSER) NETIZEN (JOURNAL OF SOCIETY AND BUSSINESS)
Fenni Yufantria
Politeknik Negeri Lampung
Religion Humanities Social Sciences

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STRATEGI TRANSFORMASI EKONOMI NASIONAL: PENGUATAN KEDAULATAN MELALUI HILIRISASI, KETAHANAN PANGAN, DAN REFORMASI FISKAL MENUJU INDONESIA EMAS 2045 Fenni Yufantria; Al-Amin
NETIZEN: JOURNAL OF SOCIETY AND BUSSINESS Vol. 1 No. 9 (2025): AGUSTUS
Publisher : CV. ADIBA AISHA AMIRA

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Abstract

This study examines Indonesia's national economic transformation strategy, which focuses on three main pillars, namely downstreaming, food security, and fiscal reform, as efforts to strengthen economic sovereignty towards the vision of Indonesia Emas 2045. Downstreaming plays a role in increasing the added value of natural resources, reducing dependence on raw material exports, and encouraging the creation of globally competitive domestic industries. Food security is the foundation of social and economic stability, ensuring the availability and affordability of food for all citizens on a sustainable basis. Fiscal reform acts as a pillar that guarantees the availability of development financing, provides strategic incentives, and improves state budget management. This study uses a literature review method by analysing relevant academic sources, policy documents, and case studies. The findings indicate that the synergy among these three pillars can significantly strengthen economic sovereignty, enhance national competitiveness, and accelerate the achievement of inclusive and sustainable development. However, various challenges such as infrastructure gaps, climate change, global economic volatility, and suboptimal governance must be addressed through adaptive, collaborative, and evidence-based policies.
THE DEVELOPMENT OF FINANCIAL TECHNOLOGY (FINTECH) AND ITS IMPACT ON THE CONVENTIONAL BANKING SYSTEM Loso Judijanto; Andueriganta Fadhlihi; Fenni Yufantria
INTERNATIONAL JOURNAL OF SOCIETY REVIEWS Vol. 3 No. 12 (2026): INTERNATIONAL JOURNAL OF SOCIETY REVIEWS (INJOSER)
Publisher : Adisam Publisher

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Abstract

The development of financial technology (Fintech) has brought about important changes in the traditional banking system. Fintech is introducing innovative solutions that make financial services more efficient, faster and accessible to the masses. Technologies such as blockchain, artificial intelligence (AI), and big data analytics enable financial services that are more personalised and responsive to user needs. However, these advancements also challenge conventional banks to adapt quickly, develop digital services, and invest in technological innovation. Increased competition and the need to update regulations and data security are the main challenges that traditional banks must face in this digital era.
Co-Authors Al-Amin Andueriganta Fadhlihi Loso Judijanto