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All Journal Health Economics Insights Journal Journal of Islamic Economic Insights Journal of Economic Epistemology and Philosophy Journal of Language and Literature Inquiry Journal of Financial Literacy Journal of International Political Economy and Strategy
Sahara Putri Dahlan
Privietlab Research Center
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Health Professions Nursing Public Health

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Mobile health application adoption and service performance in Indonesian private hospitals: A JASP-compatible panel data study Sahara Putri Dahlan
Health Economics Insights Journal Vol. 1 No. 1 (2026): June 2026
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/heij.v1i1.1862

Abstract

Mobile health applications have become a visible component of Indonesia's hospital digital transformation; however, management research still has limited longitudinal evidence on how hospital-level readiness factors translate into adoption and service outcomes. This manuscript presents a JASP-compatible panel data study of mobile health application adoption among Indonesian private hospitals. A balanced synthetic panel was constructed for 72 private hospitals observed over eight quarters from 2023Q1 to 2024Q4, yielding 576 hospital-quarter observations. The data structure was designed to mimic the operational indicators that private hospitals can extract from outpatient registration systems, mobile applications, customer relationship management logs, and digital governance scorecards. Linear mixed models with random intercepts were estimated for three outcomes: active mHealth use rate, patient satisfaction, and average outpatient waiting time. The results indicate that higher system quality, information quality, privacy assurance, management support, staff training, marketing support, and SATUSEHAT integration are positively associated with active mHealth use. Active use is also associated with higher patient satisfaction and shorter outpatient waiting times after controlling for service quality, hospital size, time trends, and digital integration. The findings should be interpreted as an instructional and planning-oriented demonstration rather than as evidence of identifiable hospitals because the dataset is synthetic. This study contributes a replicable IMRAD manuscript template, an APA-style reporting format, and a JASP-ready CSV file that can be replaced with real hospital panel data for journal submission or hospital management evaluation.
Addressing Sharia issues in cryptocurrency: Analyzing the case of Bitcoin and Blockchain Technology Sahara Putri Dahlan
Journal of Islamic Economic Insights Vol. 1 No. 1 (2025): January 2025
Publisher : PRIVIETLAB

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/jiei.v1i1.294

Abstract

The emergence of cryptocurrency and blockchain technology has spurred significant advancements in the financial sector, raising questions regarding their compatibility with Sharia law. This study examines the convergence of cryptocurrencies, blockchain technology, and Sharia law, with an emphasis on assessing the compatibility of digital currencies with the principles of Islamic banking. The primary objective is to assess the feasibility of aligning cryptocurrencies, specifically Bitcoin, with Sharia law, and the ethical and operational criteria of Islamic finance. This study analyses the current body of literature and case studies on blockchain technology and its implementation in the Islamic financial system. This study highlights the primary difficulties associated with riba (interest), gharar (uncertainty), and maysir (gambling) in cryptocurrency, which may contradict Sharia rules. The study suggests possible remedies, such as employing different validation methods to reduce concerns related to riba and maysir and linking digital currency to tangible assets to tackle volatility. The main conclusions indicate that standard cryptocurrencies encounter difficulties in conforming to the Sharia norms. However, it is possible to create Sharia-compliant digital currencies (SCDCs) by emphasizing ethical and functional factors. Sovereign Central Digital Currencies (SCDCs) have the potential to serve as reliable and morally sound substitutes for traditional government-issued currencies in countries with Muslim populations and beyond. The article continues by highlighting the necessity for additional investigation into the development of SCDCs, examination of asset-backed currencies, and incorporation of blockchain technology in Islamic banking. These advancements have the capacity to transform Islamic finance and make significant contributions to a global economy that is more ethical, transparent, and sustainable
Islamic financial literacy: Determinants, measurement, and outcomes Dimvy Rusefani Asetya; Sahara Putri Dahlan
Journal of Islamic Economic Insights Vol. 2 No. 1 (2026): January 2026
Publisher : PRIVIETLAB

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/jiei.v2i1.1742

Abstract

Islamic Financial Literacy (IFL) has become an important topic at the intersection of financial literacy, Islamic economics, and inclusive development. Although research on IFL has expanded, the field remains conceptually fragmented because studies vary in how they define, measure, and interpret the construct. This article presents a systematic literature review focused on three issues: determinants, measurement, and outcomes of IFL. The review shows that the most recurrent determinants are education, income, religiosity, demographic background, financial experience, and institutional access, although their effects differ across contexts. The literature also reveals substantial diversity in measurement practices. Some studies adapt conventional financial literacy scales, whereas others develop Islamic-specific instruments covering riba, profit-and-loss sharing, zakat, takaful, sukuk, and other Shariah-compliant concepts. This lack of measurement standardization weakens comparability across studies. In terms of outcomes, higher IFL is generally associated with better financial behavior, stronger intention to use Islamic products, improved financial management, greater market discipline, and higher financial well-being. Overall, the review argues that future IFL research requires clearer construct boundaries, more rigorous measurement, and stronger comparative evidence.
From charity to capital: Indonesia’s Islamic social finance surge and the case for blended finance Sahara Putri Dahlan
Journal of Islamic Economic Insights Vol. 2 No. 2 (2026): July 2026
Publisher : PRIVIETLAB

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/jiei.v2i2.2087

Abstract

Indonesia’s Islamic social finance is entering a new phase of development. The national collection of zakat, infaq, and sadaqah channelled through the zakat system reached approximately IDR 52.5 trillion by the second quarter of 2025, a 43% year-on-year increase, while the outstanding value of Cash Waqf Linked Sukuk (CWLS)—a hybrid instrument that fuses Islamic endowment with sovereign sukuk—grew by roughly 22% (Bank Indonesia, 2026). This commentary reads the surge and rise of blended commercial-social instruments such as CWLS as a movement from charity toward productive, capital-market-integrated social finance—the feature that most sharply distinguishes an Islamic economy from a conventional one. Drawing on Scopus- and Web of Science–indexed scholarship, the article argues that this is Indonesia’s most distinctive and promising frontier, but that the gap between realized and potential remains vast (national zakat potential is estimated at IDR 327 trillion, while realized cash waqf stood at only about IDR 2.9 trillion), that governance, fragmentation, and low literacy constrain scale, and that the strategic prize is genuine integration of commercial and social finance rather than parallel operation. It contends that blended instruments must be judged by measurable socioeconomic impact, not merely by the funds they mobilize for.
Connectivity as an economic idea: A critical conceptual review of neoliberalism, Chinese Statecraft and ASEAN hedging in Southeast Asia Sahara Putri Dahlan
Journal of Economic Epistemology and Philosophy Vol. 1 No. 2 (2026): September 2026
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/jeep.v1i2.2264

Abstract

"Connectivity" has become the organising objective of economic policy in Southeast Asia, invoked alike by China's Belt and Road Initiative, ASEAN's Master Plans on Connectivity, the European Union's Global Gateway and the Indo-Pacific strategies of the United States and its partners. This article asks what conception of the economy the idea presupposes, how its rival programmes embody rival economic philosophies, and what its epistemic and moral consequences are. A critical conceptual review is conducted on a documented corpus of 86 Scopus-indexed publications retrieved on 9 September 2026, spanning international political economy, development studies, regionalism, urban studies and the digital economy, read through the philosophy of economics, political discourse theory, infrastructure studies and moral economy. Connectivity performs three philosophical operations: an ontological one, which pictures the economy as flows across a friction-laden space in which every "gap" is a deficit; an epistemic one, which converts political choices into technical problems and renders the concept an empty signifier that any programme may fill; and a normative one, which presupposes that integration is good while lacking a theory of how its gains and harms are distributed. The Chinese state-led and the Western rule-based models are read as consequentialist statism and proceduralist liberalism respectively, both variegated in practice by developmental-state legacies and zoning technologies. ASEAN hedging is reconstructed as a pragmatist epistemology of economic statecraft under Knightian uncertainty. The knowledge of infrastructural risk is shown to be co-produced by social forces rather than measured, and the harms of connectivity to fall on those least connected to its decisions. The article brings infrastructure into the philosophy of economics, offers the first systematic philosophical reading of the Southeast Asian connectivity literature, and proposes a research agenda for a normative and epistemological theory of economic integration. Keywords: connectivity; philosophy of economics; neoliberalism; Belt and Road Initiative; hedging; ASEAN; infrastructure; moral economy; political economy
Generative artificial intelligence and critical digital literacy in EFL academic writing: An integrative review and pedagogical framework Sahara Putri Dahlan
Journal of Language and Literature Inquiry Vol. 1 No. 1 (2026): May 2026
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/jlli.v1i1.1850

Abstract

Generative artificial intelligence (GenAI) has rapidly entered English as a foreign language (EFL) academic writing through tools that draft, paraphrase, translate, summarize, evaluate, and imitate disciplinary texts. The central question for language education is no longer whether learners will encounter these tools but how pedagogies can help them use AI critically, ethically, and rhetorically. This article offers an integrative conceptual review of peer-reviewed scholarship on AI-assisted writing, automated writing evaluation, digital literacies, identity, academic integrity, and EFL/ESL pedagogy. Drawing on studies from applied linguistics, language education, educational technology, and discourse studies, this paper synthesizes four recurring issues: AI writing systems as feedback infrastructures, learner agency and identity in human-AI composing, the risks of dependency and homogenized discourse, and the need for assessment practices that value process evidence rather than detection alone. The review argues that GenAI should be conceptualized as a literacy environment that mediates language, power, authorship and intercultural communication. It proposes a Critical GenAI Writing Literacy Cycle comprising six stages: orienting to task and genre, prompting strategically, comparing outputs, verifying evidence, transforming texts through human revision, and disclosing AI use through reflective accountability. The framework contributes to JLLI's scope of JLLI by connecting applied linguistics, technology-enhanced language learning, digital discourse, cultural studies, and language education. It concludes that responsible GenAI integration requires pedagogical designs that protect linguistic diversity, strengthen critical reading, and position EFL writers as accountable authors, rather than passive consumers of machine-generated prose.
Financial literacy and Buy Now Pay Later (BNPL) use among Indonesian millennials: A narrative review Sahara Putri Dahlan
Journal of Financial Literacy Vol. 1 No. 1 (2026): January 2026
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Buy Now Pay Later (BNPL), commonly known in Indonesia as paylater, has become a prominent form of digital consumer credit embedded in e-commerce, travel, ride-hailing, and lifestyle applications. For Indonesian millennials, BNPL offers convenience, payment flexibility, promotional incentives, and access to short-term credit without the procedural burden of conventional credit cards. Simultaneously, it raises concerns about impulsive consumption, repayment stress, loan stacking, and an uneven understanding of fees, penalties, data use, and credit consequences. This study examines the relationship between financial literacy and BNPL use among Indonesian millennials through an IMRAD-based narrative review. The synthesis draws on official Indonesian demographic, financial literacy, regulatory, and BNPL market data, together with recent literature on digital financial literacy, consumer credit, financial management behavior, and responsible BNPL use. The review suggests that financial literacy is necessary but insufficient for responsible BNPL behavior. General financial knowledge may improve budgeting, cost recognition, and risk perception; however, BNPL decisions are also shaped by platform design, promotional framing, perceived behavioral control, social influence, and self-control. This study proposes an integrative framework in which financial literacy affects BNPL outcomes through digital financial literacy, risk perception, budgeting behavior, understanding of terms, and repayment discipline. Regulation, disclosure quality, and ethical platform design are essential complements to consumer capabilities. This study contributes to business management scholarship by connecting fintech adoption, consumer behavior, financial well-being, and responsible digital finance in an emerging market context.
Credit alone will not save warung economics: Financial literacy as the binding constraint on Indonesian MSME growth Sahara Putri Dahlan
Journal of Financial Literacy Vol. 1 No. 2 (2026): July 2026
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/jfl.v1i2.2115

Abstract

Indonesian policy toward micro, small, and medium enterprises (MSMEs) has long been dominated by a single diagnosis: small firms are starved of capital, and the state’s task is to supply that capital. Subsidized credit schemes, mandated bank-lending targets, and an exuberant fintech lending sector all embody this supply side conviction. This commentary argues that the diagnosis is incomplete and, in its current form, is increasingly counterproductive. Drawing on Indonesian and international evidence, I contend that owner-managers’ financial literacy may now be a binding constraint on MSME growth, alongside access to finance. Access to finance and financial literacy are complements: capital translates into performance only when owners can plan, price, separate accounts and manage debt. Recent Indonesian studies show that literacy drives both access to finance and the productive use of financial technology, while credit injected into low-literacy firms yields little or no measurable growth. Experimental evidence further shows that simple, rule-of-thumb training changes behavior where conventional accounting instruction fails, and that digitalization raises, rather than lowers, the literacy threshold. I argue for rebalancing Indonesian MSME policy toward demand-side capability building by embedding simplified financial training in credit programs, targeting the least-educated owners, and evaluating literacy interventions with the same rigor applied to lending. Credit without capability is not a development policy; it is a deferred disappointment.
Disclosure without a price: The sequencing error in emerging-market climate finance Sahara Putri Dahlan
Journal of International Political Economy and Strategy Vol. 1 No. 2 (2026): August 2026
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/jipes.v1i2.2224

Abstract

Emerging economies have built the reporting architecture of climate policy far faster than they have built its price signal. Indonesia illustrates this pattern with unusual clarity: a sustainable finance taxonomy, a national carbon exchange operating since 2023, and a consultation on mandatory ISSB-aligned disclosure sit alongside a carbon levy legislated in 2021 that has still not commenced and an exchange whose cumulative turnover through June 2026 amounted to roughly IDR 94 billion. This commentary argues that the ordering is not merely slow but analytically backwards, and that the cost of the error has recently become explicit. Three claims are developed. First, the disclosure literature shows that mandatory reporting changes measured behavior modestly and measured ratings not at all consistently, because rating divergence is driven by construct disagreement rather than by data scarcity; disclosure therefore cannot substitute for a price. Second, the carbon pricing literature shows that even modest prices reduce emissions when they are credible and cover the relevant margin, which makes deferral a policy choice rather than a technical necessity. Third, with the European carbon border adjustment mechanism entering its compliance phase on 1 January 2026, the fiscal consequence of deferral is no longer domestic: uncollected carbon revenue is now collected abroad. A sequencing proposal follows.
Co-Authors Dimvy Rusefani Asetya