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All Journal Ilomata International Journal of Management Ilomata International Journal of Management IBLAM Law Review Journal of Knowledge and Collaboration
Bestari, Mohamad Fidelio Omar
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Decision Sciences, Operations Research & Management Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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Analisis Demografis dan Perilaku Literasi Keuangan dan Hubungannya Dengan Inklusi Keuangan di Indonesia Bestari, Mohamad Fidelio Omar; Fitriadi, Yohan
Journal of Knowledge and Collaboration Vol. 1 No. 6 (2024): Journal of Knowledge and Collaboration
Publisher : Arbain Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59613/5asha882

Abstract

Literasi keuangan dan inklusi keuangan telah menjadi topik yang penting dalam pembangunan ekonomi global. Dalam konteks Indonesia, peningkatan literasi keuangan dan inklusi keuangan dianggap sebagai langkah krusial untuk mencapai pertumbuhan ekonomi yang berkelanjutan. Penelitian ini bertujuan untuk memberikan pemahaman yang komprehensif tentang pentingnya literasi keuangan dan inklusi keuangan dalam konteks pembangunan ekonomi Indonesia. Metode pendekatan yang digunakan dalam penelitian ini adalah pendekatan penelitian survei untuk mendapatkan data primer berupa data kuantitatif dan juga melalui data sekunder berupa tinjauan pustaka untuk membahas inklusi keuangan. Hasil karakteristik responden menunjukkan bahwa mayoritas responden memiliki tingkat pendidikan menengah, dengan sebagian besar berusia antara 25-45 tahun. Sebagian besar responden bekerja di sektor formal dan memiliki penghasilan menengah ke bawah. Hasil ini menunjukkan bahwa literasi keuangan dan inklusi keuangan masih menjadi isu penting di kalangan masyarakat dengan tingkat pendidikan dan penghasilan yang beragam. Selain itu ditemukan bahwa literasi keuangan dan inklusi keuangan memiliki hubungan yang signifikan dalam konteks ekonomi Indonesia. Dimana tingkat literasi keuangan yang tinggi berkontribusi positif terhadap inklusi keuangan, yang pada gilirannya berdampak positif pada pertumbuhan ekonomi.
Globalization and Digitalization in the Dynamics of Economic Welfare in ASEAN and BRICS Countries Bestari, Mohamad Fidelio Omar
IBLAM LAW REVIEW Vol. 5 No. 3 (2025): IBLAM LAW REVIEW
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat (LPPM IBLAM)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52249/ilr.v5i3.654

Abstract

This study examines the dynamics of economic welfare in ASEAN and BRICS countries within the context of globalization and digitalization, as measured by per capita income, unemployment rates, and poverty levels. Employing a panel data regression method covering 15 countries over the period 2007–2024, the findings indicate that globalization and digitalization shape welfare patterns that are heterogeneous and highly dependent on country-specific characteristics. Globalization, represented by trade openness and foreign direct investment (FDI), is associated with increases in per capita income and reductions in unemployment, although its impact on poverty alleviation remains uneven. Meanwhile, digitalization, measured through internet penetration, demonstrates a significant positive association with income growth and poverty reduction, underscoring the role of digital technology in expanding economic inclusion. Beyond global factors, welfare dynamics are also influenced by domestic conditions, particularly the quality of governance and the effectiveness of social policies. These findings highlight the importance of integrated and adaptive development strategies that respond to global dynamics and digital transformation. Policy recommendations include strengthening institutional capacity, promoting joboriented investment, and expanding digital infrastructure and literacy to narrow socioeconomic disparities in the era of digital globalization.
Analysis of the Impact of Globalization and Digitalization on Welfare in ASEAN and BRICS Countries Bestari, Mohamad Fidelio Omar; Yusgiantoro, Inka Brahmantyo; Trihadmini, Nuning; Suhartoko, Yohanes Berchman
Ilomata International Journal of Management Vol. 7 No. 1 (2026): January 2026
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v7i1.1982

Abstract

This study investigates the multifaceted impacts of two global megatrends—globalization and digitalization—on public welfare in the ASEAN and BRICS nations from 2007 to 2024. Amid the prevailing narrative that links both phenomena to economic progress, this thesis critically analyses the influence of proxy variables for globalization (trade openness and foreign capital inflows) and digitalization (internet penetration and social media usage), alongside crucial domestic factors such as corruption and entrepreneurship, on three primary welfare indicators: per capita income, unemployment rate, and the poverty level. The principal objective of this research is to deliver nuanced empirical evidence on how the interplay of external forces and internal conditions shapes the welfare landscape in two of the world's most dynamic economic blocs. Employing a quantitative approach through panel data regression analysis, the findings reveal complex and non- uniform relationships. The analysis indicates that trade openness and internet penetration significantly contribute to a reduction in the unemployment rate. Conversely, social media usage demonstrates a negative correlation with per capita income and a positive association with rising poverty, suggesting potential counter-productive impacts and the promotion of consumptive behaviours. Furthermore, domestic governance factors, particularly corruption, are proven to have a significant influence on impeding income growth and exacerbating employment conditions. These findings affirm that the benefits of globalization and digitalization are not automatic but are heavily contingent upon the quality of domestic institutions and policies capable of optimizing opportunities and mitigating emergent risks.
Analysis of the Impact of Globalization and Digitalization on Welfare in ASEAN and BRICS Countries Bestari, Mohamad Fidelio Omar; Yusgiantoro, Inka Brahmantyo; Trihadmini, Nuning; Suhartoko, Yohanes Berchman
Ilomata International Journal of Management Vol. 7 No. 1 (2026): January 2026
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v7i1.1982

Abstract

This study investigates the multifaceted impacts of two global megatrends—globalization and digitalization—on public welfare in the ASEAN and BRICS nations from 2007 to 2024. Amid the prevailing narrative that links both phenomena to economic progress, this thesis critically analyses the influence of proxy variables for globalization (trade openness and foreign capital inflows) and digitalization (internet penetration and social media usage), alongside crucial domestic factors such as corruption and entrepreneurship, on three primary welfare indicators: per capita income, unemployment rate, and the poverty level. The principal objective of this research is to deliver nuanced empirical evidence on how the interplay of external forces and internal conditions shapes the welfare landscape in two of the world's most dynamic economic blocs. Employing a quantitative approach through panel data regression analysis, the findings reveal complex and non- uniform relationships. The analysis indicates that trade openness and internet penetration significantly contribute to a reduction in the unemployment rate. Conversely, social media usage demonstrates a negative correlation with per capita income and a positive association with rising poverty, suggesting potential counter-productive impacts and the promotion of consumptive behaviours. Furthermore, domestic governance factors, particularly corruption, are proven to have a significant influence on impeding income growth and exacerbating employment conditions. These findings affirm that the benefits of globalization and digitalization are not automatic but are heavily contingent upon the quality of domestic institutions and policies capable of optimizing opportunities and mitigating emergent risks.
Co-Authors Nuning Trihadmini Suhartoko, Yohanes Berchman Yohan Fitriadi Yusgiantoro, Inka Brahmantyo