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Gunawan Widjaja
Faculty Of Law Universitas 17 Agustus 1945 Jakarta, Indonesia
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COMPARATIVE STUDY OF E-WALLET ADOPTION IN DEVELOPED AND DEVELOPING COUNTRIES: IMPLICATIONS FOR FINANCIAL INCLUSION Gunawan Widjaja
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 3 No. 5 (2025): MAY
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This study aims to compare the factors that influence the adoption of e-wallets in developed and developing countries and analyse their implications for financial inclusion. The results show that in developing countries, e-wallets play an important role in expanding access to formal finance, especially for the unbanked and micro-entrepreneurs, through ease of access, pro-digital regulations, and mobile technology penetration. Conversely, in developed countries, e-wallet adoption is more focused on improving transaction efficiency and convenience within an already established financial ecosystem, so that its impact on financial inclusion is relatively limited. This study confirms that e-wallet development strategies must be tailored to the social, economic, and regulatory context of each country in order to promote optimal and sustainable financial inclusion.
IMPLEMENTATION OF SOCIAL JUSTICE PRINCIPLES IN ECONOMIC LAW FOR THE PROTECTION OF THE POOR, NEGLECTED CHILDREN, AND VULNERABLE GROUPS: A LITERATURE REVIEW OF POLICIES AND PRACTICES IN INDONESIA Gunawan Widjaja; Songga Aurora Abadi; Brian Matthew
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 2 No. 11 (2025): AUGUST
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This study aims to analyse the implementation of the principle of social justice in economic law as an effort to protect the poor, abandoned children, and vulnerable groups in Indonesia. This study uses a desk research method with a qualitative and normative approach, examining various laws and regulations, government policies, and relevant scientific literature. The results show that the state has developed a number of legal instruments and social protection programmes, such as the Family Hope Programme (PKH), Non-Cash Food Assistance (BPNT), and National Health Insurance (JKN), which are based on the constitutional mandate, particularly Article 34 of the 1945 Constitution. However, the effective implementation of these policies still faces challenges such as weak law enforcement, complicated bureaucracy, budget constraints, and lack of coordination between institutions. Therefore, there is a need to strengthen the synergy between the government, private sector, NGOs and civil society, as well as bureaucratic reform and stricter supervision to ensure the protection of vulnerable groups is optimal. This research is expected to contribute to the development of a more inclusive and socially just economic legal policy in Indonesia.
THE ROLE OF ECONOMIC LAW AND HEALTH LAW IN DIVERSION AND RESTORATIVE JUSTICE FOR PETTY THEFT OFFENDERS: A LITERATURE REVIEW Gunawan Widjaja
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 3 No. 6 (2025): JUNE
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This study aims to examine the role of economic law and health law in the implementation of diversion and restorative justice for petty theft offenders through a literature review approach. The results of the study show that the integration of economic law in the diversion process provides a concrete solution in the form of a compensation scheme that considers the economic capacity of the offender as well as an economic empowerment programme to prevent recidivism. Meanwhile, health law plays an important role in supporting the physical and psychosocial rehabilitation of offenders, especially those with mental health problems, so that recovery does not only focus on legal aspects, but also on improving the overall quality of life of offenders. The integration of these two areas of law in diversion and restorative justice mechanisms can create a more humane, fair and sustainable case resolution system, while strengthening the protection of human rights and supporting the social reintegration of offenders into society.
ESTIMATING THE ECONOMIC LOSSES OF UNUSED MEDICINES IN THE COMMUNITY: A LITERATURE REVIEW OF ECONOMIC LOSSES AND MANAGEMENT EFFORTS IN INDONESIA Gunawan Widjaja; Diana Laila Ramatillah
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 2 No. 11 (2025): AUGUST
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Expenditure on medicines is one of the largest components of healthcare costs in Indonesia. However, a proportion of medicines obtained by the community are not used to their full extent, either due to changes in therapy, side effects, non-compliance, or expiry. This phenomenon results in significant economic losses, with an average of 18-32% of the total value of medicines stored in households being unused or expired. Studies in several cities such as Yogyakarta, Kudus, and East Banjarmasin show that the economic value of unused medicines per household ranges from Rp3,348 to Rp13,698, and if extrapolated nationally, the potential loss could reach hundreds of millions of rupiah. In addition to wasting money, unused medicines also increase health risks and environmental pollution. Management efforts that have been made include public education through the DAGUSIBU programme, medicine take-back, as well as strengthening regulations and the role of pharmacists, but their implementation still faces challenges in coverage and effectiveness. Cross-sector collaboration is needed to strengthen education, improve the collection system of leftover medicines, and increase supervision of pharmaceutical waste disposal to reduce economic losses and improve public health.
THE URGENCY OF ECONOMIC LAW IN PROVIDING PROTECTION FOR THE POOR, NEGLECTED CHILDREN, AND OTHER VULNERABLE GROUPS AS MANDATED BY THE CONSTITUTION: A LITERATURE STUDY Gunawan Widjaja
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 2 No. 11 (2025): AUGUST
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This research aims to analyse the urgency of economic law in providing protection for the poor, abandoned children, and other vulnerable groups as mandated by the constitution, particularly Article 34 of the 1945 Constitution. Through a literature study approach, this research examines various regulations, policies and social protection programmes that have been implemented in Indonesia. The results show that economic law plays an important role in ensuring access to justice, social protection and equal opportunities for vulnerable groups. However, the implementation of economic law protection still faces various obstacles, such as budget constraints, the complexity of legal procedures, low legal literacy, and structural discrimination. This research recommends strengthening regulations, increasing the capacity of implementing agencies, synergising between agencies, and empowering vulnerable groups so that economic legal protection can run effectively and fairly as mandated by the constitution.
ANALYSIS OF ECONOMIC FACTORS AFFECTING THE GROWTH OF THE PHARMACEUTICAL INDUSTRY AND ITS IMPACT ON LABOUR ABSORPTION IN INDONESIA: A LITERATURE REVIEW Gunawan Widjaja; Diana Laila Ramatillah; Rio Johan Putra
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 2 No. 11 (2025): AUGUST
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This study aims to analyse the economic factors that influence the growth of the pharmaceutical industry and its impact on employment in Indonesia through a literature review study. The pharmaceutical industry is one of the strategic sectors that continues to grow in line with the increasing public need for health products and government policy support. The study results show that investment, government policies, exchange rate fluctuations, dependence on imported raw materials, and technological innovation are the main economic factors that influence the growth of the national pharmaceutical industry. The growth of this sector has a positive impact on labour absorption, both directly in production and indirectly through supporting sectors such as distribution and research. However, challenges related to the quality of human resources and raw material independence still need to be overcome so that the pharmaceutical industry can contribute more optimally to the economy and job creation in the future.
CONTRIBUTION OF THE PHARMACEUTICAL INDUSTRY TO ECONOMIC GROWTH AND PUBLIC HEALTH IN INDONESIA: A LITERATURE REVIEW Gunawan Widjaja; Diana Laila Ramatillah; Rio Johan Putra
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 2 No. 11 (2025): AUGUST
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The pharmaceutical industry is one of the strategic sectors in economic development and health in Indonesia. As the fourth largest contributor among non-oil and gas manufacturing industries, the pharmaceutical industry has contributed significantly to economic growth, especially during the Covid-19 pandemic, where the sector's growth remained positive amid the national economic contraction. This contribution can be seen from the added value generated, increased investment, and job creation that continues to grow every year. In addition, the growth of the pharmaceutical industry in Indonesia is also influenced by an increase in population, an increase in life expectancy, and changes in people's behaviour that are increasingly aware of the importance of health. In terms of public health, the pharmaceutical industry plays an important role in providing quality, safe, and affordable medicines that support wider access to health services, including in government priority programmes such as the National Health Insurance (JKN). The availability of quality pharmaceutical products is also a key element in supporting the prevention and control of various diseases, as well as improving the quality of life and life expectancy of the Indonesian population. Innovation and technological adaptation carried out by the national pharmaceutical industry have helped drive production efficiency, expand the domestic market, and strengthen competitiveness at the regional level. However, the national pharmaceutical industry still faces major challenges, including dependence on imported raw materials, competition from global pharmaceutical products, production efficiency, and the need to strengthen sustainable research and development (R&D). Therefore, synergy between the government, industry players, and other stakeholders is needed to strengthen competitiveness and enlarge opportunities for the development of the pharmaceutical industry as a pillar of economic growth as well as improving public health in the future.
THE DEVELOPMENT OF SHARIA ECONOMIC LAW THROUGH THE PROCESS OF IJTIHAD: A LITERATURE STUDY ON THE INFLUENCE OF NATIONAL REGULATIONS AND SHARIA PRINCIPLES IN ECONOMIC ACTIVITIES IN INDONESIA Gunawan Widjaja; Siti Nur Azizah
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 2 No. 12 (2025): SEPTEMBER
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This study examines the development of Islamic economic law in Indonesia through the process of ijtihad, with a focus on the influence of national regulations and Sharia principles in economic activities. Using a literature review method, this study examines various sources, including national regulations, fatwas from the National Sharia Council of the Indonesian Ulema Council, and rulings from Religious Courts related to Islamic economic law. The findings reveal that national regulations serve as the legal foundation providing certainty and protection for sharia economic actors, while the ijtihad process acts as a dynamic instrument enabling the adaptation of sharia law to economic developments and innovations in sharia financial products. The synergy between regulations and ijtihad forms a responsive, inclusive, and sustainable legal framework for sharia economics, thereby supporting Indonesia's position as a global centre for sharia economics.
LEGAL ANALYSIS OF THE IMPLEMENTATION OF SHARIA BANKING LAW AND COMPILATION OF SHARIA ECONOMIC LAW IN STRENGTHENING THE NATIONAL FINANCIAL SYSTEM IN INDONESIA Gunawan Widjaja; Siti Nur Azizah
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 2 No. 12 (2025): SEPTEMBER
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This study conducts a legal analysis of the implementation of the Islamic Banking Law and the Compilation of Islamic Economic Law in efforts to strengthen the national financial system in Indonesia. Using a literature review method, the study evaluates the legal and regulatory aspects governing Islamic banking, as well as the role of the Compilation of Islamic Economic Law as a normative foundation in Islamic economic practices. The results of the study indicate that the Islamic Banking Law provides a solid legal framework for the operation of Islamic banking in accordance with Islamic principles, while the Compilation of Islamic Economic Law serves as a legal guideline for religious courts and Islamic financial institutions in resolving disputes and regulating Islamic economic transactions. The integration and strengthening of the implementation of these two legal instruments have the potential to enhance stability, inclusion, and justice in the national financial system. However, efforts to improve regulations and adapt to economic and technological developments must continue to ensure that the role of Islamic finance in national development can be maximised sustainably.
THE ROLE OF PALM OIL WORKERS IN ENSURING LIVELIHOOD SECURITY AND SOCIO-ECONOMIC RESILIENCE: A LITERATURE REVIEW ON WELFARE, SOCIAL JUSTICE, AND SUSTAINABLE DEVELOPMENT IN THE PLANTATION SECTOR Yustinus Lambang Setyo Putro; Siti Nur Azizah; Gunawan Widjaja; Dyah Ersita Yustanti
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 3 No. 2 (2025): INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
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This study examines the role of palm oil workers in ensuring livelihoods and socio-economic resilience through a literature review focusing on aspects of welfare, social justice, and sustainable development in the palm oil plantation sector. This study highlights the importance of welfare, including decent income, access to social services, and protection of workers' rights as the main foundations for strengthening socio-economic resilience. Furthermore, this study emphasises the role of social justice in ensuring the fair distribution of benefits and opportunities, as well as the need for environmentally conscious plantation management to support sustainable development and ecosystem balance. Through a holistic and participatory approach, this study concludes that strengthening the active role of the palm oil worker community is vital to creating an inclusive, equitable, and sustainable plantation industry for the sake of the sustainability of life and the environment for future generations.
Co-Authors Aat Ruchiat Nugraha Abadi, Songga Aurora Abd. Basir Abdul Samad Arief Abdul Wahab Syakhrani Abdur Rahman Achmad Fazrin Adi Rumanto Waruwu Aditya Sanjaya Adrian Bima Putra Adrian Bima Putra Affandi Affandi Agus Supriyanto Agus Supriyanto Agustinus Nugroho Jati Aisyah, Shyavara Alam Anbari Anastasia Prestika Andina Rahmayani Andreani Dewanto Andreas Harry Andreas Harry Anggia Az Zahra Anindita Widyapradnya Annas Tasya N.A Annas Tasya N.A, Annisa Rachmawati, Dsk Putu Ayu L.A, Khaerunnisa Ade P., Muhammad Fachri, Pradita Ajeng S.A Annisa Purwo Hastuti Annisa Rachmawati Ari Rahmat Elsad Arif Rahman Baihaqi Arman Harahap Asep Saepullah Aslan Aslan Aslan Aslan Aswan Athalia Christine L Ayu Miya Maryani B.M.A.S. Anaconda Bangkara Basuki Rekso Wibowo Bintan R. Saragih Brian Matthew Budi Suranto Bangun Cecep Suhardiman Cecep Suhardiman Cecep Suhardiman Cesarianti, Fransiska Milenia Chairunnissa Chairunnissa Christiawan, Rio Christina Herawati G Damun, Damun Danang Rahmat Surono Daniel Hagana Bangun Dave Advitama Dave Advitama Delia Bazlina Deny Wicaksono, Deny Dhanudibroto, Handojo Dheas Syahreza Muslim Diana ., Diana Diana Laila Ramatillah Dimas Tripraditiya Dipo Pramudito Dipo Pramudito Dsk Putu Ayu L.A Dumilah Ayuningtyas Dyah Ersita Yustanti Dyah Ersita Yustanti Dyah Ersita Yustanti Dyah Ersita Yustanti Dyah Ersita Yustanti Ekasari, Silvia Ekha Sri Sugiarti Elisabeth Purnama Massang Enna Budiman Enna Budiman Ersita Yustanti, Dyah Fachrurazi Farika Nikmah Farrel Abiyu Ramadhana Fitra Sri Rahayu Grace Riana Gregorius Fabius Caesar Niki H. Deni Salahuddin Hadenan Towpek Hadenan Towpek Halim , Adriansyah Handojo Dhanudibroto Handojo Dhanudibroto Handojo Dhanudibroto Handojo Dhanudibroto Hansel Kalama Hardijan Rusli, Hardijan Harry, Andreas Hendra . Hendrawan Hendrawan Hendriarto, Prasetyono Heri Kustanto Hernita Hernita Hernita Hotma P. Sibuea Hotmaria Hertawaty Sijabat Hotmaria Hertawaty Sijabat Hotmaria Hertawaty Sijabat Hotmaria Hertawaty Sijabat Hotmaria Hertawaty Sijabat Hotmaria Hertawaty Sijabat Hotmaria Hertawaty Sijabat Hotmaria Hertawaty Sijabat Hotmaria Hertawaty Sijabat Ita Nurcholifah Iyad Abdallah Al- Shreifeen Iyad Abdallah Al-Shreifeen Jahidin Kuswanto Januar Agung Saputera Jeisika Laurens Jessica Francis Gunawan Jestin Justian Juliana, Juliana Junior B. Gregorius Karunia Ilham Karim Kevin Neil McVey Khaerunnisa Ade P. Khairul Nizam bin Zainal Badri Khalimi Khalimi Khalimi Lalu Syaifudin Lidya Cristy S Lisno Setiawan Loso Judijanto M Reydhi Suwanda M Ruswan Talaohu M. Hafiz Aini M. Zahari Mahmudin, Tono Mailinda, Nur Martedjo, Wagiman Martin Maurer M.Marpaung Megasari Sijabat, Fittry Mellisa Efiyanti Mellisa Efiyanti Melyana Melyana Mervyn Mervyn Michael Alfonsus Michael Matthew Michelle Angelika S Mika Anabelle Miya Maryani, Ayu Moch. Isra Hajiri Mochammad Roufal Moh. Imam Ishomuddin Zuhri Mohammad Ahmad Bani Amer Monica Monica Mowafg Abrahem Masuwd Muhammad Anas Ma`arif Muhammad Fachri Muhammad Ikhwan Muhammad Ikhwan Muhammad Nagieb Muhammad Naufal Arifiyanto Muhammad Rayyan Firdaus Muthia Rachman Nadila Citra Aprilia Ni Nyoman Ari Triantari Nini Putri Wijaya, Nini Putri Nofianty Helyo Novan Dzaky Pangestu Novi Puji Lestari Novi Rizky Ramadhani Novi Rizky Ramadhani Nur Ulfa Maulida Nurwita, Nurwita Oggy Satya Tambunan Olivia Pauline Hartanti Poetranto, Soeryo Pradita Ajeng S.A Puguh Triwibowo Puji Hastuti Rafa Zahirah Husein Rahadian Bayu Anggoro Rahardja, Tony Rahmat Nasution Raissa Arlyn Manikam Rajes Khana Ramdan Yusuf Renaldi Immanuel Panggabean Renaldi Immanuel Panggabean Retnaningtyas Insyira Retnaningtyas Insyira, Anggia Az Zahra, Nadila Citra Aprilia, Chairunnissa, Muhammad Rayyan Firdaus, Novan Dzaky Pangestu Reza Sutrianingtyas Rahayu Rianti Nurul Oktavia Rif'ah Rif'ah Rifa’at Hanifa Muslimah Rifa’at Hanifa Muslimah Rio Christiawan Rio Johan Putra Ririn Nurhidayanti Rizka Anindya Manjayani Rizky Yosa Adhi Prabowo Robby Sulivan, Robby Robert Iskandar Rumanto Waruwu, Adi Salmon Sihite Salsa Rizkya Samsuto, Samsuto Sanchita Bhattacharya Santika Santika Sarah Ramadona Sardjana Orba Manullang Savira Lovianda Gunawan Sendi Sanjaya Sendi Sanjaya SH Septy Kusuma Septy Kusuma, Arif Rahman Baihaqi, M Ruswan Talaohu, Santika, Sarah Ramadona, Salsa Rizkya Shella Felicia Shohib MUSLIM Sihite, Salmon Silalahi, Yohanes B O Siti Hafifa Marlinda Putri Siti Nur Azizah Siti Nur Azizah Siti Rokayah Songga Aurora Abadi Songga Aurora Abadi Songga Aurora Abadi Sri Sugiarti, Ekha Sudrajat, Maman Sukh Pawen Jit Kaur Sunnah, Sunnah Syavitri Ramadhani Sylvana, Yana Tahir, Usman Tamrin Tamrin Tanti Herawati Taufik Rahman Taupik Alpiyandi Theresia Vena Tiwi Siftiyani Rosidah Tony Rahardja Towpek, Hadenan Usman Tahir Viony Kresna Sumantri Vivin Caronia Wagiman WAGIMAN Wagiman Wagiman . Wagiman Martedjo Wagiman Wagiman WAHYUDI Wibowo Laksono Widodo Wibowo, Basuki Rekso Widjaja, Liza Wijaya, Hanna Wirawan, Vani Yana Sylvana Yohanes Firmansyah Yuli Supriani Yuri Anggi Yustinus Lambang Setyo Putro Yustinus Rurie Wirawan Yusuf, Ramdan Zainal Arifin