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All Journal Journal Informatic, Education and Management (JIEM) Global Research in Economics and Advanced Theory
Zikrillah
Universitas Muhammadiyah Aceh
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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DIGITAL LENDING, HOUSEHOLD DEBT, AND FINANCIAL VULNERABILITY EVIDENCE FROM INDONESIA Zikrillah; Luthfiar Ramiady; Mukhtaruddin
GLOBAL RESEARCH IN ECONOMICS AND ADVANCE THEORY (GREAT) Vol 3 No 3 (2026): GREAT Journal
Publisher : GREET

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65788/greatjournal.v3i3.128

Abstract

Digital lending has rapidly expanded financial inclusion in Indonesia while simultaneously raising concerns over rising household indebtedness and financial vulnerability. Despite growing empirical attention, existing studies primarily examine individual borrowers and rarely distinguish between licensed fintech lending and illegal online lending, leaving the household as the fundamental economic decision-making unit largely unexplored. This study develops a dual-channel model of digital lending-induced household financial vulnerability by integrating behavioral and structural perspectives within a unified analytical framework. Using a cross-sectional household survey complemented by secondary data from the Financial Services Authority (OJK) and Statistics Indonesia (BPS), the study employs Partial Least Squares Structural Equation Modeling (PLS-SEM) with mediation, moderation, and robustness analyses to examine the relationships among digital lending exposure, household debt structure, behavioral propensity, digital financial literacy, and financial vulnerability. The proposed framework distinguishes between legal and illegal digital lending while incorporating household-level behavioral and institutional mechanisms that have received limited attention in previous research. The empirical findings are expected to clarify whether digital lending exposure increases household financial vulnerability through both behavioral and structural pathways, whether digital financial literacy exerts a nonlinear moderating effect, and whether illegal digital lending generates significantly greater financial vulnerability than licensed fintech lending. The study contributes to the household debt literature by extending multidimensional financial vulnerability theory to a fintech-dominated emerging economy and provides policy implications for strengthening macroprudential surveillance through household-level debt monitoring and differentiated regulatory interventions targeting both legal and illegal digital lending markets.
THE INFLUENCE OF HUMAN RESOURCE QUALITY, INTERNAL COMMUNICATION, AND TEAMWORK ON THE PERFORMANCE OF TIPIDKOR MEMBERS A DITRESKRIMSUS POLDA ACEH Raysahri; Nuzulman; Zikrillah
Journal Informatic, Education and Management (JIEM) Vol 8 No 2 (2026): AUGUST
Publisher : STMIK Indonesia Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61992/jiem.v8i2.417

Abstract

This study aims to analyze the influence of Human Resource Quality, Internal Communication, and Teamwork on the performance of members of the Tipidkor Unit of the Special Crimes Investigation Directorate (Ditreskrimsus) of the Aceh Regional Police. The study population and sample consisted of 88 respondents, comprising 32 internal respondents and 56 external respondents, using a saturation sampling technique so that the entire population was included as research respondents. The results of the study indicate that the quality of human resources has a positive and significant effect on member performance. Internal communication was also found to have a positive and significant effect on member performance. Conversely, teamwork did not have a significant effect on member performance. Simultaneously, the quality of human resources, internal communication, and teamwork have a significant effect on the performance of members of the Tipidkor Ditreskrimsus of the Aceh Regional Police. These findings indicate that improvements in the performance of members of the Tipidkor Ditreskrimsus of the Aceh Provincial Police are largely determined by the quality of human resources available and the effectiveness of internal communication within the organization. Therefore, efforts to enhance members’ competencies through education and training, as well as strengthening the internal communication system, must be prioritized to support the optimization of member performance. Meanwhile, the aspect of teamwork needs to be evaluated and adapted to the characteristics of investigative tasks so that it can contribute more optimally to the achievement of organizational performance.
Co-Authors Luthfiar Ramiady Mukhtaruddin Nuzulman Raysahri