Article Per Year (5 Year)
p-Index From 2021 - 2026
3.244
P-Index
This Author published in this journals
All Journal JURNAL PENDIDIKAN TAMBUSAI Jurnal Ilmiah Pendidikan dan Pembelajaran MANAZHIM Metta : Jurnal Ilmu Multidisiplin Proceedings Series on Social Sciences & Humanities Jurnal Sosiologi, Antropologi, dan Budaya Nusantara Journal Markcount Finance Pengabdian Jurnal Abdimas International Journal of Multidisciplinary Approach Research and Science Journal of Modern Islamic Studies and Civilization Jurnal Pendidikan dan Sains Journal International Journal of Teaching and Learning (INJOTEL) West Science Agro Journal of Noesantara Islamic Studies International Journal of Educatio Elementaria and Psychologia Fast in Social Sciences Immortalis Journal of Interdisciplinary Studies
Pamuji, Slamet
Universitas Islam Negeri Profesor Kiai Haji Saifuddin Zuhri
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Immunology & microbiology Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

Published : 22 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 22 Documents
Search

 1   2   3 
The Transformation of Economic Behavior in the Digital Era: An Analysis of the Impact of Financial Literacy and Financial Inclusion on Economic Decision Making Pamuji, Slamet; Pooja Basu
Fast in Social Sciences Vol. 1 No. 4 (2025): October
Publisher : Forum Akademisi dan Dosen Peneliti (FAST)

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

Abstract

This study explores how financial literacy and financial inclusion influence economic decision-making in the digital era. By examining the integration of digital financial tools, online banking services, and mobile financial applications, individuals can make more informed, efficient, and strategic economic choices. Financial literacy equips individuals with the knowledge and skills to understand, evaluate, and manage financial products. In contrast, financial inclusion ensures equitable access to formal financial services, reducing vulnerability to economic risks. The study also highlights how digital platforms amplify both opportunities and challenges, including information overload, digital inequality, and cybersecurity risks. Implementing strategies to improve financial literacy and expand financial inclusion through education, policy support, and user-friendly digital solutions can foster responsible financial behavior, promote sustainable economic participation, and enhance personal and societal financial well-being. Ultimately, aligning financial knowledge, inclusive access, and digital capabilities transforms economic behavior, enabling individuals to make data-driven decisions that support long-term financial stability and growth.
Financial Innovation Strategies to Enhance the Sustainability of MSMEs in the Era of Economic Digitalization Pamuji, Slamet; Deepak R Gupta
Immortalis Journal of Interdisciplinary Studies Vol. 1 No. 2 (2025): October - December
Publisher : PT. Caesarindo Triloka Persada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37600/y7d4wy47

Abstract

This study examines financial innovation strategies designed to enhance the sustainability of micro, small, and medium enterprises (MSMEs) in the era of economic digitalization. The rapid development of digital technologies such as big data analytics, blockchain, and real-time financial monitoring has transformed the landscape of financial management for entrepreneurs. These innovations provide MSMEs with advanced tools to improve efficiency, optimize decision-making, and respond swiftly to market dynamics. Through digital financial transformation, MSMEs gain broader access to financial information, enabling the formulation of data-driven and adaptive business strategies. However, this transformation also introduces significant challenges, including limited digital literacy, data privacy concerns, cybersecurity risks, and high implementation costs that may hinder widespread adoption among MSMEs. While blockchain technology offers transparency and accountability in financial transactions, its utilization remains minimal due to regulatory uncertainty and cost barriers. The study finds that gradual adoption and context-based implementation of digital financial tools can mitigate risks and support sustainable business growth. To ensure long-term sustainability, MSMEs are encouraged to adopt a phased strategy for financial innovation beginning with automation of basic financial processes and progressing toward integrated digital ecosystems. Ultimately, financial innovation not only strengthens profitability and operational resilience but also fosters transparency, stakeholder trust, and competitiveness. In a broader perspective, it contributes to building a more inclusive, adaptive, and innovation-driven entrepreneurial ecosystem in the digital economy era.
Co-Authors Abdul Chalim Ahmad Ridwan Avian, Zakhi Bailatul Nur Baharuddin, Krisna Meidiyantoro Deepak R Gupta Fitriah S. Jamin Gonzales, Samantha Kasmin, Kasmin Limei, Sun Miftahul Arifin, Moh. Muhammad Hazmi Muhammad Rusdi Ni’mah, Tasbihatun Novan Ardy Wiyani Novianto, Andika Yuli Nugroho, Cahyo Adi Nurfuadi Pareira, Magdalena Sunarty Pooja Basu Reza, Ali Rohani Lestari Napitupulu Subuh Anggoro Suryani Suryani Wibowo, Eko Putro Yadi Mulyadi Zulfikhar, Rosa