Article Per Year (5 Year)
p-Index From 2020 - 2025
0.659
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All Journal Indonesian Journal of Energy Journal Integration of Social Studies and Business Development Journal of Tourism, Hospitality and Travel Management (JTHTM)
Boediman, Alfred
Unknown Affiliation
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Energy Social Sciences

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Utilizing AI In Indonesia's Financial Sector: Strategies For Inclusive Economic Development Rahadi, Raden Aswin; Afgani, Kurnia Fajar; Hakam, Dzikri Firmansyah; Anggoro, Yudo; Boediman, Alfred; Indrayana, Gun Gun; Susanto, Eko
Journal Integration of Social Studies and Business Development Vol. 3 No. 1 (2025)
Publisher : Integrasi Sains Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58229/jissbd.v3i1.286

Abstract

The paper explores the revolutionary potential of Artificial Intelligence (AI) in Indonesia's financial ecosystem, highlighting its capacity to improve operational efficiency, foster financial inclusion, and tackle specific socio-economic concerns. This study emphasizes Indonesia's varied demographic and digital environment, illustrating how AI-driven innovations like decentralized finance (DeFi), predictive analytics, and blockchain integration transform financial products to cater to disadvantaged people. This study utilizes over 20 scholarly publications and international case studies to highlight the strategic significance of promoting ethical AI practices, mitigating algorithmic bias, and closing infrastructural and talent disparities to achieve sustainable and inclusive economic growth. The results support implementable methods, such as public-private collaborations, strong regulatory structures, and AI-driven individualized financial solutions, to optimize the advantages of digital transformation in Indonesia's financial industry. Future research must emphasize empirical investigations into AI's capacity to mitigate financial inequalities and stimulate regional innovation, thereby establishing Indonesia as a frontrunner in AI-facilitated economic transformation.
Financial Management Behavior of Micro-Businesses in Tourism Destinations: A Qualitative Study Boediman, Alfred; Susanto, Eko; Afgani, Kurnia Fajar; Rahadi, Raden Aswin
Journal of Tourism, Hospitality and Travel Management Vol. 2 No. 1 (2024)
Publisher : Integrasi Sains Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58229/jthtm.v2i1.300

Abstract

This study explores the financial management behavior of micro-businesses in tourism destinations across West Java, Indonesia. Using a qualitative descriptive approach, data were collected through in-depth interviews and observations of eight micro-entrepreneurs operating in Pangandaran, Lembang, Ciwidey, Ciletuh Geopark, and Puncak. The findings reveal that financial management practices are predominantly informal, with minimal record-keeping, mixing personal and business finances, and reliance on daily cash flow. Low financial literacy, seasonal income fluctuations, and psychological biases such as loss aversion and overconfidence shape these behaviors. Micro-businesses tend to avoid formal financial institutions due to perceived complexity, fear of debt, and limited understanding of financial products, leading to a preference for informal financing sources. The study highlights that these factors weaken financial resilience and hinder business sustainability. Furthermore, limited financial literacy interventions have had minimal impact on changing financial behavior. The research recommends tailored financial literacy programs and access to simplified formal financial services to strengthen micro-business resilience. Addressing knowledge gaps and behavioral tendencies is essential to enhancing financial management practices and supporting micro-enterprises sustainable growth within West Java’s tourism sector.
An Overview of Indonesian Renewable Energy Studies and Its Investment Opportunities Boediman, Alfred; Rahadi, Raden Aswin; Nugraha, Bagus Aditya
Indonesian Journal of Energy Vol. 4 No. 2 (2021): Indonesian Journal of Energy
Publisher : Purnomo Yusgiantoro Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33116/ije.v4i2.123

Abstract

By conducting a synthesis review of recent literature, this study aims to provide a comprehensive conceptual model for acknowledging factors determining private investment in the renewable energy sector within an emerging country, Indonesia. The synthesis and thus guides stakeholders to encourage investment from the private sector in renewable energy development. From this study, the authors summarized all factors studied arguably influential in affecting the private sector to invest as a source of development funding and presenting several key indicators of renewable energy investment opportunities in Indonesia. The factors that influence the development of the energy sector include policies related to human capital, environmental protection and energy efficiency. Therefore, this study should serve as the baseline for future advanced studies. Keywords: renewable energy, investment opportunities, emerging country, Indonesia
Co-Authors Afgani, Kurnia Fajar Anggoro, Yudo Eko Susanto Eko Susanto Hakam, Dzikri Firmansyah Indrayana, Gun Gun Nugraha, Bagus Aditya Rahadi, Raden Aswin