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All Journal JAS-PT Jurnal Analisis Sistem Pendidikan Tinggi AkMen JURNAL ILMIAH Jurnal Ilmu Manajemen Universitas Tadulako (JIMUT) Nobel Management Review Jurnal Bisnis dan Kewirausahaan Jurnal Pengabdian Masyarakat dan Riset Pendidikan Maneggio INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE) Journal of Community Dedication Journal Markcount Finance
Pemy Christiaan
Universitas Ichsan Gorontalo
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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The role of Financial Technology (Fintech) in Improving Financial Literacy and Inclusion in Indonesia Pemy Christiaan; Olyvia Rosalia; Firayani Firayani; Anis Noviya
Maneggio Vol. 2 No. 1 (2025): Maneggio-Feb
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/tkmpes83

Abstract

This study aims to analyze the role of Financial Technology (Fintech) in improving financial literacy and inclusion in Indonesia. Fintech has grown rapidly and become a solution for people who previously had limited access to formal financial services. Using quantitative methods, this study involved 310 respondents who are users of Fintech services in Indonesia. Data was collected through an online questionnaire and analyzed using multiple linear regression and Structural Equation Modeling-Partial Least Squares (SEM-PLS). The results showed that the use of Fintech has a significant effect on improving financial literacy, especially through the financial education feature in the application. In addition, Fintech also plays a role in increasing financial inclusion by providing wider access to digital banking services, online loans, and digital-based investments. However, there are some challenges in utilizing Fintech, such as low digital literacy and concerns regarding data security. Therefore, policies that support the development of Fintech that are more inclusive and educative are needed so that the benefits can be optimally felt by the community.
PARADIGM SHIFT: HOW THE DIGITAL ECONOMY IS REORGANISING THE WORLD'S ECONOMIC POWER Pemy Christiaan; Nofirman Nofirman
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 1 No. 4 (2024): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

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Abstract

The digital economy has led to a fundamental paradigm shift in the power structure of the global economy. Digital technologies, such as artificial intelligence, big data, and the Internet of Things (IoT), play an important role in improving countries' productivity, innovation, and competitiveness. Countries that are able to adopt and implement these technologies effectively tend to experience faster economic growth. In addition, the digital economy is also expanding economic inclusion by enabling greater access to markets and financial services for individuals and small businesses, especially in developing countries. However, this transformation also brings challenges, including digital inequality and the need for adequate regulation. Policies that support education, digital infrastructure and data protection, as well as increased international cooperation, are essential to maximise the benefits of the digital economy in an equitable and sustainable manner.
FINANCIAL LITERACY ANALYSIS OF HOUSEHOLD FINANCIAL BEHAVIOR IN INDONESIA: A LITERATURE REVIEW Teguh Prakoso; Hajar Mukaromah; Pemy Christiaan
JOURNAL OF COMMUNITY DEDICATION Vol. 3 No. 2 (2024): Journal of Community Dedication
Publisher : Adiba Aisha Amira

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Abstract

Financial literacy plays an important role in shaping the financial behavior of households in Indonesia. Households with higher levels of financial literacy tend to have better financial planning, manage their budgets regularly, and are better prepared for economic shocks. Conversely, households with low financial literacy often experience difficulties in managing finances, get trapped in excessive debt, and lack emergency funds and long-term investments. Efforts to improve the financial literacy of Indonesians have been made through various education and socialization programs by the government, financial institutions, and non-governmental organizations. However, challenges remain in reaching all levels of society, especially in rural areas and low-income groups. Further research is needed to identify effective financial education methods in accordance with the socio-cultural characteristics of the Indonesian people. In addition, strengthening regulations and consumer protection are also needed to create a financial ecosystem that supports increased financial literacy and inclusion. With increased financial literacy, it is expected that households in Indonesia can make wiser financial decisions, improve welfare, and contribute to national economic stability.
Peningkatan Literasi Keuangan Digital Masyarakat Dalam Menghadapi Maraknya Investasi Ilegal: Penelitian Clara Neltje Meini Rotinsulu; Pemy Christiaan; Qonita Karima; Yuni Riskita Mangopo; Ngurah Pandji Mertha Agung Durya
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 3 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 3 (Januari 202
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i3.5397

Abstract

Kegiatan peningkatan literasi keuangan digital masyarakat dilaksanakan sebagai upaya untuk memperkuat pemahaman, sikap, dan perilaku finansial masyarakat dalam menghadapi maraknya investasi ilegal di era digital. Pelaksanaan kegiatan dilakukan melalui beberapa tahapan, meliputi tahap identifikasi kebutuhan dan analisis kondisi awal, penyusunan materi edukasi, sosialisasi, simulasi dan studi kasus, pendampingan, edukasi, serta monitoring dan evaluasi. Hasil kegiatan menunjukkan adanya peningkatan pemahaman yang nyata terhadap konsep keuangan digital, termasuk jenis layanan, mekanisme transaksi, serta manfaat dan risiko yang menyertainya. Selain itu, masyarakat mengalami peningkatan kesadaran kritis terhadap berbagai bentuk investasi ilegal, ditandai dengan kemampuan mengenali ciri-ciri penawaran bermasalah dan meningkatnya kehati-hatian dalam menyikapi informasi investasi. Kegiatan ini juga mendorong perubahan pola pikir masyarakat menuju pengambilan keputusan finansial yang lebih rasional, terukur, dan bertanggung jawab, serta meningkatkan kemampuan dalam membedakan investasi legal dan ilegal. Dampak lain yang terlihat adalah tumbuhnya kepercayaan diri masyarakat dalam mengelola keuangan digital secara aman dan produktif, serta terbentuknya budaya diskusi dan berbagi informasi keuangan yang sehat di lingkungan sosial. Secara keseluruhan, kegiatan ini berkontribusi dalam meningkatkan kesiapan dan ketahanan masyarakat menghadapi perkembangan investasi digital yang semakin kompleks, sekaligus mendukung terwujudnya ekosistem keuangan digital yang lebih aman dan berkelanjutan.
The Influence of Fintech on Traditional Financial Management Rika Fatticia; Harjoni Harjoni; Pemy Christiaan; Nasrun Julyarman; Rini Ariyanti
Journal Markcount Finance Vol. 2 No. 2 (2024)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/jmf.v2i2.1283

Abstract

For centuries, conventional financial institutions such as banks and cooperatives have played an important role in the economy. However, advances in technology and digitalization have significantly changed the world's financial landscape. Financial Technology (Fintech) has emerged as a disruptive force offering innovative financial solutions, such as automated investment management, peer-to-peer lending, and digital payments. This research aims to discover and analyze the impact of Fintech on conventional financial management. Specifically, this research aims to assess the impact of Fintech on the efficiency and effectiveness of conventional financial services, assess changes in user behavior in managing their finances due to the convenience offered by Fintech, and discover the challenges and opportunities faced by financial institutions. Mixed methods is an approach that combines quantitative and qualitative approaches in this research. Quantitative data is collected through surveys of financial services users to measure their opinions about Fintech services and their impact on personal financial management. The results of this research show that Fintech has changed conventional financial management. From a user perspective, Fintech has increased the ease and efficiency of accessing and managing financial services, and many users say they are more likely to use Fintech apps and platforms for everyday transactions, managing savings and investments. From the side of conventional financial institutions, this research found that Fintech has increased the amount of money they invest. This study found that Fintech is changing conventional financial management in terms of service efficiency and user behavior. While Fintechs offer more convenience and efficiency, they also force traditional financial institutions to adapt and innovate with new technologies.
Co-Authors Anis Noviya Ariawan, Ariawan Astrid Ravitasari Blongkod Clara Neltje Meini Rotinsulu Firayani Firayani Hajar Mukaromah Hajar Mukaromah Harjoni Harjoni Nasrun Julyarman Ngurah Pandji Mertha Agung Durya Nofirman, Nofirman Olyvia Rosalia Qonita Karima Rika Fatticia Rini Ariyanti Rusdi Abdul Karim Sri Meike Jusup Syamsul Syamsul Teguh Prakoso Yuni Riskita Mangopo