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All Journal JIEB : Jurnal Ilmiah Ekonomi Bisnis Jurnal Al Azhar Indonesia Seri Ilmu Sosial Journal of Islamic Economics and Philanthropy International Journal Law and Legal Ethics (IJLLE) Journal of Hospitality Accommodation Management Journal Hotspot (jh) Jurnal Pengabdian Masyarakat STIE Surakarta (DIMASETA) Journal of Society Bridge Journal of Commerce Management and Tourism Studies Jurnal of Information Technology and Society (JITS) Social Sciences Insights Journal Research of Islamic Economics (RIE) Jurnal Ilmu Politik dan Studi Sosial Terapan Marketing and Business Strategy Jurnal Ilmiah Multidisiplin Ilmu Indonesian Journal of Applied Accounting and Finance Jurnal Salingka Nagari Journal of Sharia Economics, Banking and Accounting Indonesian Tourism Journal LinguaEducare: Journal of English and Linguistic Studies Inflasi : Jurnal Ekonomi, Manajemen dan Perbankan Expert Net: Exploration Journal of Technological Education Trends Alkasb: Journal of Islamic Economics Inventor: Jurnal Inovasi dan Tren Pendidikan Teknologi Informasi Silatene : Jurnal Sosial Humaniora Journal of Economics, Management and Accounting (JEMA) Journal of Economic and Business Jurnal Penelitian Ilmu Pariwisata JEIZA: Jurnal Ekonomi Islam Az-Zain JBIAM LIER: Language Inquiry & Exploration Review AGRONES: JOURNAL OF AGRICULTURE, AGRIBUSINESS WELFARE, TECHNOLOGI, HUMANITY, ENVIRONMENT, SOCIAL AND ECONOMY J-Coop : Journal of Co-operative Journal of Digital Business & Banking
Asep Koswara
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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Reorientasi Koperasi Syariah: Transformasi dari Formalitas Akad menuju Esensi Keadilan Ekonomi Koswara, Asep
J-Coop : Journal of Co-operative Vol. 2 No. 1 (2026): J-Coop : Journal of Co-operative
Publisher : LPPM Universitas Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/jc.v2i1.44

Abstract

Penelitian ini mengkaji reorientasi koperasi syariah di Indonesia dari kepatuhan formalistik terhadap akad syariah menuju perwujudan substantif keadilan ekonomi. Meskipun jumlah koperasi syariah terus meningkat, banyak di antaranya masih beroperasi dengan pola yang menyerupai lembaga keuangan konvensional, dengan penekanan pada imbal hasil tetap dan penghindaran risiko, alih-alih kemitraan usaha, pemberdayaan anggota, dan redistribusi kekayaan. Kondisi ini melemahkan peran transformatif koperasi syariah sebagai instrumen keadilan sosial-ekonomi. Penelitian ini menggunakan desain kualitatif dan konseptual melalui analisis berbasis literatur serta sintesis analitis atas teori ekonomi Islam dan koperasi kontemporer untuk membangun kerangka normatif dan kelembagaan. Pendekatan ini mengintegrasikan maqasid al-shariah, prinsip koperasi, dan perspektif keuangan mikro Islam guna mengidentifikasi ketidaksesuaian struktural antara praktik yang berjalan dan landasan etika ekonomi Islam. Hasil utama penelitian ini adalah perumusan Model Koperasi Syariah Berbasis Keadilan Ekonomi (KS-KKE) yang terdiri dari empat pilar: orientasi maqasid, pembiayaan partisipatif, distribusi nilai yang adil, dan pemberdayaan anggota. Model ini menggeser paradigma dari tata kelola berbasis kontrak menuju desain kelembagaan yang berorientasi pada keadilan. Penelitian ini menyimpulkan bahwa keberlanjutan dan legitimasi koperasi syariah tidak ditentukan oleh formalitas akad semata, melainkan oleh kemampuannya dalam mendorong pertumbuhan inklusif, pemerataan distribusi kekayaan, dan pemberdayaan ekonomi anggota.
Persaingan PayLater di Indonesia: Analisis Pasar dan Peramalan Minat Konsumen Berbasis Data Science Koswara, Asep; Tarso, Tarso; Soegoto, Eddy Soeryanto; Wahdiniwaty, Rahma; Bachtiar, Adam Mukharil; Sumitra, Irfan Dwiguna
Jurnal Salingka Nagari Vol. 4 No. 2 (2025): Jurnal Salingka Nagari
Publisher : Universitas Negeri Padang

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

Abstract

This study examines the dynamics of consumer interest in PayLater services in Indonesia by leveraging big data from Google Trends for the 2023–2025 period. Using a qualitative approach that integrates spatial analysis and Python-based predictive modeling, this research aims to map temporal search patterns, the geographical distribution of adoption, and the socio-economic factors influencing consumer preference toward three major platforms: Kredivo, Akulaku, and Shopee PayLater. The methodology includes time-series analysis, provincial-level geospatial mapping, and forecasting using the Facebook Prophet algorithm. The findings reveal that PayLater search interest is cyclical, with significant spikes during e-commerce campaigns, public holidays, and monthly payday cycles. Spatially, a sharp adoption disparity exists between urban areas and regions with limited digital infrastructure. Kredivo exhibits the most balanced regional distribution, while Akulaku is heavily concentrated in West Java, and Shopee PayLater shows strong penetration in non-Java regions. The forecasting results project sustained growth in interest through 2027, providing strategic implications for fintech companies in expanding digital financial inclusion across Indonesia.
Linguistic Strategies in AI-Generated Marketing Content: A Policy Framework for Global Brands Koswara, Asep
LIER: Language Inquiry & Exploration Review Vol. 2 No. 2 (2025): LIER: Language Inquiry & Exploration Review
Publisher : Pemuda Peduli Publikasi Insan Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71435/690429

Abstract

Purpose: This study examines linguistic strategies in AI-generated marketing content and proposes a Language Policy Framework for Global Brands to ensure ethical, culturally adaptive, and consumer-centric communication. Subjects and Methods: A qualitative descriptive analysis was employed, reviewing existing literature and industry practices to assess AI-driven personalization, cultural localization, and ethical transparency in marketing communication. Results: AI enhances engagement through personalization and sentiment adaptation, but challenges include linguistic bias, cultural misalignment, and ethical concerns. Transparency and localization improve trust and consumer relationships. Conclusions: A structured Language Policy Framework integrating transparency, cultural sensitivity, and multilingual consistency is essential for responsible AI deployment in global marketing. Future research should explore hybrid AI-human collaboration for optimal brand communication.
Business Demand And Skill Specifications For Data Analysts In Indonesia: A Data-Driven Job Market Study Koswara, Asep
Jurnal Bisnis Digital & Perbankan Vol 1 No 1 (2025): Journal of Digital Business & Banking
Publisher : Politeknik Kebangsaan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65177/jdbb.v1i1.21

Abstract

Indonesia’s accelerated digital transformation has generated a substantial demand for data analysts, yet a fine-grained understanding of sector-specific hiring trends and skill requirements remains limited. This study addresses that gap by conducting a data-driven job market analysis of 100 New Data Analyst postings collected from JobStreet Indonesia. Using quantitative content analysis and computational techniques, the research classified postings by business sector and extracted explicit skill requirements, encompassing both technical and soft competencies. The findings reveal that demand is most concentrated in e-commerce, finance, healthcare, and technology, with Jakarta emerging as the dominant employment hub. Technical skills such as SQL, Python, Excel, and visualization tools remain foundational across sectors, while sectoral variations highlight specialized needs, including risk modeling in finance and consumer analytics in e-commerce. Equally important, soft skills such as communication, problem-solving, and adaptability are consistently emphasized, underscoring the hybrid nature of the role. These results suggest that employers, job seekers, and educators must collaboratively align expectations, training programs, and recruitment practices to minimize skill mismatches. The study concludes by recommending competency-based curricula, industry-academia partnerships, and continuous upskilling strategies to ensure Indonesia’s workforce is adequately prepared to meet the evolving demands of the digital economy.
Co-Authors Bachtiar, Adam Mukharil Deny Hadi Siswanto Eddy Soeryanto Soegoto Lina Herlina Neni Kurniawati Rahma Wahdiniwaty Siti Marpuah, Siti Sumitra, Irfan Dwiguna Tarso Tarso Tarso, Tarso