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All Journal Conciencia EQIEN - JURNAL EKONOMI DAN BISNIS JOURNAL OF ENGLISH FOR ACADEMIC Jurnal Review Pendidikan dan Pengajaran (JRPP) Jurnal Pengabdian Al-Ikhlas Jurnal Pendidikan dan Konseling Khazanah Sosial Amalee: Indonesian Journal of Community Research & Engagement Value : Journal of Management and Business Jurnal Orientasi Bisnis dan Entrepreneurship JPB JANAKA : JURNAL PENGABDIAN MASYARAKAT KEWIRAUSAHAAN INDONESIA Jurnal Dialogika Manajemen dan Administrasi ProBisnis : Jurnal Manajemen JIPMukjt:Jurnal Ilmu Pendidikan Muhammadiyah Kramat Djati Joong-Ki : Jurnal Pengabdian Masyarakat Talaa : Journal of Islamic Finance Asian Journal of Innovative Research in Social Science Jurnal Penelitian Ilmu Ushuluddin Jurnal Ekonomi Lembaga Layanan Pendidikan Tinggi Wilayah I Jurnal Pendidikan LLDIKTI Wilayah I (JUDIK) Journal of Education and Culture JIPM: Jurnal Indragiri Penelitian Multidisiplin IKHLAS: Jurnal Pengabdian Dosen dan Mahasiswa Innovative: Journal Of Social Science Research Jurnal Pengabdian dan Pemberdayaan Masyarakat Indonesia Journal of Advanced Health Informatics Research Indonesian Journal of Social Development Pubmedia Social Sciences and Humanities Innovative Technologica: Methodical Research Journal Journal of Business and Halal Industry Health & Medical Sciences Jurnal Bisnis dan Komunikasi Digital Jurnal Psikologi Journal of Business Management Journal of Waqf and Islamic Economic Philanthropy Journal of Regional Economics and Development Journal of Environmental Economics and Sustainability Journal of Physics Education and Science Journal of Information System and Education Development Eduscape: Journal of Education Insight Assoeltan: Indonesian Journal of Community Research and Engagement Joong-Ki Religion and Policy Journal Buletin Antropologi Indonesia Journal Pemberdayaan Ekonomi dan Masyarakat Journal of Technology and System Information EDUJAVARE: International Journal of Educational Research Journal of Intelligent Systems and Information Technology Qomaruna Banun : Jurnal Pendidikan Islam Anak Usia Dini Cognitive Development Journal RUKASI: Jurnal Ilmiah Perkembangan Pendidikan dan Pembelajaran AL-BAHTS: Jurnal Ilmu Sosial, Politik, dan Hukum Frontiers in Research Journal Jurilma Journal of Economic and Economic Education Jurnal Price : Ekonomi dan Akuntasi Jurnal Komputer Indonesia (JU-KOMI) Jurnal Manajemen, Akuntansi dan Rumpun Ilmu Ekonomi (MAR-Ekonomi) Jurnal Sosial Sains dan Komunikasi (Ju-SoSAK) J-CEKI Jurnal Ekonomi, Manajemen, Akuntansi Ulil Albab Joong-Ki PESHUM Jurnal Ekonomi Manajemen Bisnis dan Akuntansi Novatio : Journal of Management Technology and Innovation Journal Arbitrase : Economy, Management and Accounting Journal Health of Indonesian Advances in Tourism Studies Insights: Journal of Primary Education Research Research of Economics and Business Rihlah Review: Jurnal Pendidikan Islam
Kurniawan Arif Maspul
Al Madinah International University, Malaysia
Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Mechanical Engineering Medicine & Pharmacology Neuroscience Nursing Physics Public Health Social Sciences Other

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Will Big Data and AI Redefine Indonesia’s Financial Future? Maspul, Kurniawan Arif; Putri, Nugrahani Kartika
Jurnal Bisnis dan Komunikasi Digital Vol. 2 No. 2 (2025): February
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/jbkd.v2i2.3739

Abstract

The rapid integration of big data and artificial intelligence (AI) is fundamentally reshaping Indonesia’s financial sector, driving unprecedented efficiency, innovation, and financial inclusion. As Southeast Asia’s largest digital economy, Indonesia has embraced fintech solutions that leverage predictive analytics, machine learning, and automation to enhance risk management, streamline transactions, and expand financial services to previously underserved populations. This transformation aligns with global financial trends, yet it presents distinct regulatory, infrastructural, and ethical challenges. Drawing from Schumpeter’s Innovation Theory, Information Asymmetry Theory, and Transaction Cost Economics, this study explores how big data and AI redefine financial operations, improve decision-making, and reduce market inefficiencies in the Indonesian banking ecosystem. Utilizing a qualitative phenomenological approach, this research synthesizes insights from industry experts, regulatory bodies, and financial analysts to assess the implications of data-driven strategies. Findings reveal that while big data optimizes risk assessment, fraud detection, and customer segmentation, regulatory hurdles, cybersecurity risks, and digital literacy gaps remain key barriers to sustainable adoption. As Indonesia continues its trajectory toward a data-centric financial infrastructure, balancing technological advancement with regulatory prudence will be critical in shaping an inclusive and resilient financial future. This study contributes to ongoing discourse on the intersection of financial digitalization, economic policy, and ethical AI deployment in emerging markets.
Temu’s Paradox: Disrupting Markets in Import-Driven and Producing Economies Maspul, Kurniawan Arif; Putri, Nugrahani Kartika
Jurnal Bisnis dan Komunikasi Digital Vol. 2 No. 2 (2025): February
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/jbkd.v2i2.3766

Abstract

The rapid expansion of Temu, a global e-commerce powerhouse, is reshaping economic landscapes with profound and often polarizing effects. This study delves into its dual impact on two contrasting economic environments: non-productive economies that thrive on imports with minimal trade barriers (e.g., the Middle East) and producing economies with strong local industries fighting to stay afloat (e.g., Southeast Asia). While Temu’s meteoric rise in import-dependent markets is fueled by tax exemptions and insatiable consumer demand for ultra-affordable goods, its aggressive penetration into producing economies threatens to undermine local industries, displace workers, and disrupt regulatory frameworks. Through a rigorous comparative economic analysis, policy evaluation, and consumer behavior study, this research uncovers the deeper implications of Temu’s business model on market stability, economic sovereignty, and long-term sustainability. The findings shed light on the shifting dynamics of global e-commerce, the effectiveness of protectionist policies, and the socio-economic trade-offs of unrestricted cross-border trade. As nations grapple with the balance between affordability and self-reliance, this study serves as a critical exploration of the policies and strategies that will shape the future of digital commerce in emerging markets.
Big Data and Predictive Analytics for Indonesia's Economic Transformation and Digital Resilience Maspul, Kurniawan Arif; Putri, Nugrahani Kartika
Journal of Technology and System Information Vol. 2 No. 2 (2025): April
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/jtsi.v2i2.3774

Abstract

In an era defined by data, Big Data and Predictive Analytics have become indispensable tools for driving economic growth, innovation, and resilience. For Indonesia, one of Southeast Asia’s most dynamic digital economies, these technologies offer a transformative pathway to industrial modernization and global competitiveness. With over 212 million internet users and a digital economy projected to hit $146 billion by 2025, Indonesia is poised to harness the power of data to revolutionize sectors such as finance, healthcare, e-commerce, and manufacturing (Antara News, 2022). This study delves into the multifaceted landscape of Big Data in Indonesia, offering a comprehensive analysis of its economic potential and implementation challenges. It highlights how predictive analytics is reshaping industries, enabling businesses to optimize supply chains, enhance customer experiences, and mitigate risks with unprecedented precision. At the same time, it addresses pressing concerns such as data privacy, cybersecurity vulnerabilities, and the ethical implications of AI-driven decision-making. To unlock the full potential of Big Data, this study proposes actionable policy recommendations, including investments in data infrastructure, the development of ethical AI frameworks, and the expansion of STEM education and workforce training programs. Indonesia can create a long-term data ecosystem that balances innovation and responsibility by encouraging collaboration among government, industry, and academics. As Indonesia stands at the crossroads of the Fourth Industrial Revolution, the strategic integration of Big Data and Predictive Analytics is no longer optional—it is imperative. This study serves as a roadmap for Indonesia to harness the power of data, ensuring that these technologies drive not only economic growth but also inclusive development and digital resilience in an increasingly data-driven world.
Discovering Buraydah's Work from Café (WFC) Dynamics in the Post-COVID-19 Landscape Maspul, Kurniawan Arif
Jurnal Price : Ekonomi dan Akuntasi Vol. 3 No. 01 (2024): Jurnal Price : ekonomi dan Akuntasi, November 2024
Publisher : Sean Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58471/jecoa.v3i01.4801

Abstract

The global transition to hybrid work patterns following COVID-19 has accelerated the growth of the Work from Café (WFC) phenomena, changing traditional work paradigms and productivity expectations. The study digs into WFC's revolutionary potential, as shown in Buraydah, Saudi Arabia, which is known for its thriving coffee shop scene. Drawing on theoretical frameworks such as environmental psychology, attention restoration theory, Maslow's hierarchy of needs, and social exchange theory, the study investigates WFC's complex dynamics. Overcrowding, noise levels, restricted amenities, and patronage expectations are compared to chances for innovation and collaboration. Infrastructure improvement, community participation, work-life balance promotion, local economic integration, and policy lobbying are among the proposed tactics for long-term WFC practices. These initiatives, based on theoretical foundations and practical facts, seek to maximize WFC's economic and social effect while cultivating thriving, resilient communities in the post-pandemic era.
Exploring the Role of Accounting Practices and Financial Analysis: A Case Study in Perfect Zone Buraidah Maspul, Kurniawan Arif; Akrem, Ahmed Mohammed
Jurilma Vol. 1 No. 1 (2024): Juni 2024
Publisher : CV.RIZANIA MEDIA PRATAMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69533/40vpzs09

Abstract

This compelling case study delves into the critical role of accounting techniques and financial analysis in business management. The study explores the obstacles faced and the tactics used to overcome them by drawing on the firsthand experiences of an accountant at a startup business. The study emphasizes the importance of precise inventory management, budgeting and forecasting, financial monitoring, and sales performance analysis in attaining long-term growth and profitability. The findings emphasize the significance of combining accounting theories and practices in order to make informed decisions and achieve financial success. The study continues by underlining the importance of continuous financial planning and adaption in order to support long-term corporate growth.
Preserving Local Wisdom: Unaizah's Coffee Culture and Dates Farming Sustaining Cultural Heritage Kurniawan Arif Maspul; Fawaz Ali Almalki
J-CEKI : Jurnal Cendekia Ilmiah Vol. 3 No. 4: Juni 2024
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v2i6.2280

Abstract

This article explores the profound significance of Unaizah's coffee culture and dates farming in sustaining the region's cultural heritage. It highlights the unique relationship between coffee shops and dates farms, emphasizing their role in sustaining the economy, society, and environment while safeguarding local wisdom. Unaizah, renowned for its dates farming and traditional coffee cultures, holds a prominent position in global agriculture. This article delves into the historical context, economic implications, societal dynamics, and ecological sustainability intertwined with Unaizah's coffee culture and dates farming. The findings unequivocally demonstrate the pivotal role of these practices in preserving local wisdom and cultural heritage, underscoring the importance of understanding and honoring Unaizah's distinctive traditions in an ever-changing world.
Cultural Exchange and Resilience: Shaping Coffee Consumption in Saudi Arabia's Coffee Shops Kurniawan Arif Maspul
J-CEKI : Jurnal Cendekia Ilmiah Vol. 2 No. 6: Oktober 2023
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v2i6.2351

Abstract

The impact of cultural variety on coffee consumption habits in Saudi Arabia is investigated in this study, which focuses on coffee shops in Riyadh, Jeddah and Eastern Province. The study wants to know how cultural influences impact coffee culture and what it means for company resilience; provides insights for coffee shop owners to navigate the shifting market climate while promoting cultural interaction and appreciation by examining the relationship between cultural diversity, coffee consumption, and resilience. The research employs a qualitative case study technique, with in-depth interviews with coffee shop owners, employees, and customers, as well as observation of coffee shop settings. The collected data will be evaluated thematically to uncover patterns and insights; considered ethical factors to improve awareness of cultural influences in the coffee business and foster cultural interchange. The findings show that cultural variety has substantially enriched Saudi Arabia's coffee culture, leading to the emergence of inclusive coffee shops that cater to a wide range of tastes and preferences. The presence of people from different countries has allowed product innovation, cross-cultural collaboration, and information sharing in the coffee industry. Inclusive coffee shops also contribute to social cohesion by providing areas for cultural appreciation and understanding. The study emphasizes the significance of cultural variety in shaping coffee consumption patterns and building company resilience. Coffee shop owners and stakeholders can use these findings to develop inclusive coffee cultures that highlight the richness of Saudi society; contributing to the field of cultural studies by underlining the importance of cultural diversity in determining consumption patterns, increasing social cohesion, and enhancing corporate resilience in the coffee value chain.
Coffee Acculturation in Saudi Arabia: Diversifying Local Wisdom and Strengthening Sustainable Economy in Coffee Value Chain Kurniawan Arif Maspul
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 1 No. 2: Juni 2022
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v1i2.459

Abstract

Local wisdom is a valuable heritage of society; its existence maintains the community's identity. Coffee, which is the history of the Arabs, is a priceless heritage and local wisdom of national identity in the Arabian peninsula. Saudi Arabia nevertheless maintains this local wisdom and has strengthened it as a valuable identity. However, with diversification rather than local wisdom itself, it will enrich identity references, in this case with third-wave acculturation, which has become a global trend in the coffee value chain. This paper is a qualitative descriptive which, through the literature, observations, site visits and interviews, which were analysed, concluded that the acculturation of coffee in Saudi Arabia has become more diversified and strengthens the sustainable economy in the coffee value chain from farm to cup. Moreover, it is envisioned that Saudi Coffee 2022 will be able to mitigate the coffee sustainability challenges that will arise in the next generation.
Improving the Creative Process Strategy of the Specialty Coffee in Eastern Province Saudi Arabia in Strengthening Sustainability in the Coffee Value Chain Kurniawan Arif Maspul
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 2 No. 1: Desember 2022
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v2i1.1249

Abstract

The progress of the coffee trend globally is one of the options for developing SMEs in Eastern Province, Saudi Arabia. The third-wave generation of specialty coffee is growing with a large selection of artisanal coffee drinks, empowering the latest generation to follow the coffee industry's value chain through coffee skills and sustainability. Sustainability in the coffee value chain will be connected to the three-bottom legs that make it sustainable in the social economy and environment. Eastern Province has the potential to become a coffee hub in tackling challenges in the coffee value chain. Still, stakeholder empowerment is needed for coffeeprenuers in Eastern Province to make coffee value chains resilient collaboratively. Creative process strategies are required to investigate the advancement in ideas and innovations. This qualitative descriptive study will help the catch in opening the eyes of the global coffee community and especially in Saudi Arabia, in seeing the opportunity for the coffee value chain in the region.
Improving the Fourth Wave of Coffee in Sustaining the Coffee Value Chain as Economic Growth in Istanbul Kurniawan Arif Maspul
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 2 No. 2: Januari-Juni 2023
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v2i2.1476

Abstract

Istanbul is well-known for its history, culture, and cuisine, particularly in the food and beverage industry. The expansion of Istanbul's gastronomy industry has created opportunities for small and medium-sized enterprises (SMEs) to contribute to the local economy by developing and promoting local cuisine. Sustainable development in the creative economy sector, particularly in the food and beverage industry, can create a one-stop gastronomy value chain, with stakeholders working together to reinforce each other's ideas and promote long-term growth. Similarly, the development of coffee in Istanbul has increased in recent years, making it a destination for specialty coffee in Asia and Europe. The unique characteristics of Istanbul make the local SME economy dynamic in its rotation, creating the possibility of long-term growth. This study used qualitative research methods such as observations, interviews, and document analysis to present perceptions and events in a realistic and integrated manner. The study focused on the third batch of coffee roasteries in Istanbul, and data was gathered through interviews with four coffee professionals from Istanbul's leading specialty coffee roasters. The data were descriptively analysed to identify the perspectives of people directly involved with professional coffee, namely four coffee roasters, who are the primary source of information and directly related to Istanbul's coffee value chain cycle. Coffee tourism can help the local coffee economy. Promoting fair trade practices, responsible coffee production, gender equality, decent work opportunities, and responsible consumption and production in Istanbul's coffee value chain can help achieve the United Nations' Sustainable Development Goals (SDGs). Istanbul's creative economy sector is thriving and has the potential to contribute to the local economy for many years to come. Istanbul's gastronomy and coffee industries can continue to grow and offer unique experiences to locals and tourists by promoting sustainability and working together as stakeholders.
Co-Authors A. Asrijal Agung Anggoro Seto Ahmed Mohammed Akrem Akrem, Ahmed Mohammed Almalki, Fawaz Ali Amalia, Fina Amma, Tasurun Antoni Antoni Ardhin, Muhammad Bassam Bondk Catherine Bruneton Chemistry, Valerie Chemistry, Valerie Indiana Dwi Febriana Rochmah, Dwi Febriana Faridah, Ida Fawaz Ali Almalki Fedora Fedora, Fedora Fina Amalia Fina Amalia Firmansyah Firmansyah Fudji Sri Mar'ati Hendra Prasetyo I Gusti Ngurah Agung Dewantara Putra Lena Ellitan Melinda, Yona Mubarak, Islahuddin Mubarak, Islahuddin Ramadhan Muhammad Fuad Ikhwansyah Muhammad Syafri Mumu Muzayyin Maq Nugraha, Aditia Nursidik, Nursidik Perihan Saleh Putri, Nugrahani Kartika Rahman Tanjung Raúl Eleazar Arias Sánchez Roman Popov Rozak, Abdur Sain, Zohaib Hassan Sasono, Heri Shabrina Herawati Sidiq, Ari Rahmana Siti Nuridah Sopyan, Imam Syaikhoni, Yusuf Taha, Muhammad Thet Ko Ko Naing Wisudayanti, Karila Yusron, Hasbi