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This Author published in this journals
All Journal Journal of Degraded and Mining Lands Management Journal of Economics and Management Scienties
H Herlina
Center for Radioisotope and Radiopharmaceutical Technology, National Nuclear Energy Agency Puspiptek, Serpong, Tangerang 15314, Indonesia
Agriculture, Biological Sciences & Forestry Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Library & Information Science Social Sciences

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Engineering of Soil Biological Quality from Nickel Mining Stockpile Using Two Earthworm Ecological Groups Kilowasid, L M H; Herlina, H; Syaf, H; Safuan, L; Tufaila, M; Leomo, S; Widiawan, B
Journal of Degraded and Mining Lands Management Vol. 2 No. 3 (2015)
Publisher : Brawijaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15243/jdmlm.2015.023.361

Abstract

Earthworms have the ability in modifying soil biological quality for plant growth. Their ability is mostly depending on its ecological groups. The objectives of the research were to study the influence of two ecological groups of earthworms on soil microbial activity and soil micro-fauna abundance, and to know the potential of soil modified by earthworms as plant growth medium. Eight combination of individual earthworm from epigeic and endogeic groups was applied into pot  that was filled by soil from two years of  nickel stockpile and each treatment was repeated by five times. The experiment was following complete randomize design procedure. After sixteen days of research, the soil sample from each pot was analyzed for soil FDA activity, number of flagellate and nematodes. Furthermore, one kg of the soil from each pot was taken and every pot was grown by Paraserianthes falcataria seedling with the age of five days and continued its growth for two months. The results indicated that the soil FDA activity, number of flagellate and nematodes among treatments were significantly differences. In addition, it indicated the significant differences in dry weight of shoot, root, total plant, and root to shoot ratio of P. falcataria seedlings. It concluded that the combination of an individual number of epigeic and endogeic earthworms improved soil biological quality of stock pile, amd  most suitable for seedlings growth in nickel mining area.
Financial Inclusion Through Digital Banking: Bridging the Gap for Underserved Communities Rotinsulu, Clara Neltje Meini; Murniati, Sitti; Herlina, H
Journal of Economics and Management Scienties Volume 7 No. 3, June 2025
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/jems.v7i3.97

Abstract

This study presents a systematic literature review examining the role of digital banking in advancing financial inclusion among underserved communities. Drawing upon 81 peer-reviewed articles published between 2015 and 2024, the research explores how mobile banking, fintech platforms, and agent-based banking models contribute to overcoming traditional barriers to financial access. The review identifies critical enablers such as digital infrastructure, regulatory innovation, financial literacy, and inclusive technology design. It also uncovers persistent challenges including the digital gender divide, lack of digital trust, and socio-economic disparities. Cross-regional analysis reveals that countries with integrated strategies—combining digital financial services with education, policy coherence, and user-focused design—achieve more equitable outcomes. The study concludes that while digital banking offers substantial promise, its success in promoting financial inclusion requires a supportive ecosystem and inclusive implementation tailored to local contexts.
Co-Authors B Widiawan Clara NM. Rotinsulu H Syaf L Safuan Laode Muhammad Harjoni Kilowasid M Tufaila Murniati, Sitti S Leomo