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p-Index From 2021 - 2026
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This Author published in this journals
All Journal Economics and Digital Business Review Priviet Social Sciences Journal Law and Justice
Rohmad Suryadi
Politeknik Bisnis dan Perpajakan Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Resilience of MSMEs in Surakarta City: Integrating digital transformation and local economic resilience based on Javanese cultural values Rohmad Suryadi; Lusi Oktaviana; Kholid Syaifulloh; Anita Maulani Yusnia; Ratih Ayu Rafiaulia
Priviet Social Sciences Journal Vol. 6 No. 3 (2026): March 2026
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/pssj.v6i3.1604

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in sustaining local economies in Indonesia, particularly in culturally embedded cities such as Surakarta. Despite their growing number and contribution to employment, many MSMEs remain vulnerable to economic shocks, technological disruption, and unequal access to digital resources. This study aims to examine the resilience of MSMEs in Surakarta by analyzing the interaction between digital transformation, Javanese cultural values, and the legal–institutional environment that shapes the digital economy. Using a qualitative descriptive approach, this study employs a literature review methodology drawing on peer-reviewed journal articles, government reports, and policy documents related to MSME resilience, digitalization, and local economic development. The findings indicate that Javanese cultural values, including gotong royong, nrimo ing pandum, tepa slira, and ajining dhiri, function as social capital that strengthens social cohesion, psychological endurance, and ethical business practices among MSME actors. Digital transformation contributes positively to business resilience by expanding market access and improving operational efficiency; however, its impact remains uneven due to disparities in digital literacy, human resource capacity, and institutional support. Furthermore, the study highlights the importance of adaptive state regulation and legal certainty in ensuring inclusive digital transformation for MSMEs. This research concludes that MSME resilience in Surakarta emerges from the integration of cultural capital, digital capability, and responsive governance, underscoring the need for context-sensitive and collaborative policy approaches to support sustainable local economic development.
Implementasi Tata Kelola Perusahaan Untuk Mereduksi Manajemen Laba Lusi Oktaviana; Rohmad Suryadi; Dewi Purnasari; Fitri Handayani
Economics and Digital Business Review Vol. 7 No. 1 (2025)
Publisher : STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/ecotal.v7i1.3036

Abstract

The purpose of this study was to find outempirical evidence about the effect of managerial ownership, institutional ownership, public ownership, board of commissioners, independent board of commissioners, executive compensation on earnings management. Samples in the study were 106 manufacturing companies that had been selected by purposive sampling method. The analysis method uses multiple linear regression analysis techniques, proving that managerial ownership, institutional ownership, executive compensation does not effect earnings management. Public ownership, independent board of commissioners has negative effect earnings management and board of commissioners has positive effect earnings management.
Regulatory Sandbox Implementation by the Financial Services Authority (OJK) in Fintech Supervision: A Normative Analysis of POJK 3/2024 within the Innovative Credit Scoring and Aggregator Clusters Lusi Oktaviana; Tria Wulandari; Hasman Budiadi; Dewi Purnasari; Rohmad Suryadi
Law and Justice Vol. 11 No. 1 (2026): Law and Justice
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/laj.v11i1.16362

Abstract

Penelitian ini bertujuan untuk menganalisis konstruksi normatif dan orientasi pengawasan Regulatory Sandbox Indonesia berdasarkan POJK 3/2024, khususnya dalam kluster Penilaian Kredit Inovatif dan Aggregator. Penelitian ini menggunakan metode penelitian hukum doktrinal dengan pendekatan yurisprudensi dan analitis, yang dilengkapi dengan analisis konten kualitatif melalui NVivo untuk memetakan pola regulasi tematik berdasarkan hasil penetapan resmi sandbox (Agustus 2023–April 2024). Temuan menunjukkan bahwa kerangka kerja sandbox mencerminkan paradigma regulasi yang didorong oleh regulator dan berbasis risiko, yang berlandaskan pada prinsip regulasi responsif, proporsionalitas, dan tata kelola adaptif. Namun, meskipun stabilitas keuangan sistemik tetap menjadi tujuan regulasi yang dominan, perlindungan konsumen dan akuntabilitas algoritmik memerlukan penguatan normatif yang lebih kuat. Penelitian ini memberikan kontribusi secara teoretis dengan memperkaya kajian regulasi fintech melalui integrasi analisis doktrinal dan metodologi pengkodean tematik, serta secara praktis dengan menawarkan rekomendasi kebijakan untuk meningkatkan transparansi algoritma, tata kelola data, dan pengawasan yang proporsional. Keunikan studi ini terletak pada penggabungan pemetaan kualitatif yang dibantu perangkat lunak dengan evaluasi hukum normatif untuk menilai secara kritis transformasi pengawasan fintech di Indonesia berdasarkan POJK 3/2024, khususnya pada klaster inovasi berisiko tinggi. This study aims to analyze the normative construction and supervisory orientation of Indonesia’s Regulatory Sandbox under POJK 3/2024, particularly within the Innovative Credit Scoring and Aggregator clusters. The research employs doctrinal legal research using statute and analytical approaches, complemented by qualitative content analysis through NVivo to map thematic regulatory patterns based on official sandbox determination results (August 2023–April 2024). The findings reveal that the sandbox framework reflects a regulator-driven and risk-based regulatory paradigm grounded in responsive regulation, proportionality, and adaptive governance principles. However, while systemic financial stability remains the dominant regulatory objective, consumer protection and algorithmic accountability require stronger normative reinforcement. This research contributes theoretically by enriching fintech regulatory scholarship through the integration of doctrinal analysis and thematic coding methodology, and practically by offering policy recommendations to enhance algorithm transparency, data governance, and proportional supervision. The novelty of this study lies in combining software-assisted qualitative mapping with normative legal evaluation to critically assess Indonesia’s fintech supervisory transformation under POJK 3/2024, particularly in high-risk innovation clusters.
Co-Authors Anita Maulani Yusnia Dewi Purnasari Dewi Purnasari Fitri Handayani Hasman Budiadi Kholid Syaifulloh Lusi Oktaviana Lusi Oktaviana Ratih Ayu Rafiaulia Tria Wulandari