Article Per Year (5 Year)
p-Index From 2021 - 2026
3.916
P-Index
This Author published in this journals
All Journal Journal of Noesantara Islamic Studies Journal of Moeslim Research Technik International Journal of Educatio Elementaria and Psychologia Research Psychologie, Orientation et Conseil Journal of Tecnologia Quantica Techno Agriculturae Studium of Research Research of Scientia Naturalis Journal of Biomedical and Techno Nanomaterials Journal of Humanities Research Sustainability Journal of Paddisengeng Technology Journal Markcount Finance Sharia Oikonomia Law Journal Journal of World Future Medicine, Health and Nursing Journal Emerging Technologies in Education International Journal of Educational Narratives Rechtsnormen: Journal of Law International Journal of Language and Ubiquitous Learning Journal of Social Science Utilizing Technology
Luis Santos
University of the Philippines Diliman
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemistry Control & Systems Engineering Education Electrical & Electronics Engineering Engineering Physics Other

Published : 30 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search
Journal : journal of social science utilizing technology

 1 
Climate Change and Global Inequality: A Social Study of Climate Migration Nofirman Nofirman; Iriana Bakti; Luis Santos; Momena Sultana
Journal of Social Science Utilizing Technology Vol. 3 No. 2 (2025)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/jssut.v3i2.2120

Abstract

Background. Climate change is no longer a distant environmental issue but a present and intensifying force driving social and economic displacement across the globe. Vulnerable populations, particularly in the Global South, face disproportionate impacts in the form of rising sea levels, extreme weather events, and resource scarcity, often leading to forced migration. These dynamics underscore the intersection between climate change and global inequality, raising urgent questions about justice, adaptation, and human mobility. Purpose. This study aims to explore the social dimensions of climate-induced migration, focusing on how environmental stressors exacerbate existing inequalities and shape patterns of displacement. The research also investigates the role of governance, infrastructure, and international aid in either mitigating or perpetuating migration-related vulnerabilities. Method. A qualitative-dominant mixed-methods approach was employed, including ethnographic fieldwork in two climate-affected regions, semi-structured interviews with 30 climate migrants, and analysis of secondary data from international climate and migration databases. Data were thematically analyzed to uncover recurring patterns and socio-political contexts surrounding climate mobility. Results. Findings reveal that climate migration is not solely an environmental issue but deeply intertwined with poverty, weak governance, and limited access to resources. Migrants often face legal ambiguity, social exclusion, and economic instability in host regions. The study highlights a growing need for inclusive climate adaptation policies that address both environmental and social dimensions. Conclusion. The study concludes that addressing climate migration requires integrated strategies that bridge environmental sustainability, social equity, and human rights protections to ensure just and humane responses to climate-induced displacement.
Fintech for Inclusion or Exclusion? The Impact of Digital Credit Scoring Algorithms on Access to Finance for the Urban Poor Samantha Gonzales; Luis Santos; Andres Villanueva
Journal of Social Science Utilizing Technology Vol. 3 No. 6 (2025)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/jssut.v3i6.2906

Abstract

Background. The rise of fintech and digital financial services has transformed access to finance, particularly for underserved populations. However, concerns have emerged regarding the potential for digital credit scoring algorithms to either facilitate inclusion or perpetuate exclusion, especially for the urban poor. In many developing countries, these algorithms are being used to assess creditworthiness, but their reliance on big data, social media activity, and other non-traditional factors raises questions about fairness and transparency. Purpose. This study aims to evaluate the impact of digital credit scoring algorithms on access to finance for the urban poor, focusing on whether these algorithms contribute to financial inclusion or exclusion. Method. The research adopts a mixed-methods approach, combining quantitative data analysis from fintech platforms with qualitative interviews from urban poor individuals in Indonesia. Results. The findings reveal that while digital credit scoring has improved access to financial products for some, it has also disproportionately excluded individuals with limited digital footprints or those lacking access to traditional banking systems. Conclusion. The study concludes that digital credit scoring, if not carefully regulated, risks exacerbating financial inequality. Policy recommendations include enhancing transparency, addressing biases in algorithmic decision-making, and ensuring greater financial literacy to bridge the digital divide.
Co-Authors Aarav Sharma Agus Satory Ali Khan Ali Khan Amie Primarni Andres Villanueva Andri Setiawan Aris Krisdiyanto Dani Lukman Hakim Dara Vann Dito Anurogo Ethan Tan Fauzi Aldina Haruto Takahashi Irene Florensia Situmeang Iriana Bakti Josefa Flores Justam Justam Kaito Tanaka Liam Wilson Maria Clara Reyes Mohamad Sigit Gunawan Momena Sultana Muh. Safar Muhammad Firdaus Abduh Nguyen Minh Tu Nia Kurniati Nofirman, Nofirman Rahmad Saputra Rahmat Hidayat Raul Gomez Retno Paryati Samantha Gonzales Sifaul Anwar Suci Sintia Dewi Sulaiman Sulaiman Thi Lan Thiago Rocha Usman Tariq Vicheka Rith Wahyu Trisno Aji