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All Journal Technomedia Journal Aptisi Transactions on Management JURNAL MANAJEMEN BISNIS Sang Pencerah: Jurnal Ilmiah Universitas Muhammadiyah Buton International Journal of Business Economics (IJBE) Journal of Community Service and Empowerment ADI Bisnis Digital Interdisiplin (ABDI Jurnal) IAIC Transactions on Sustainable Digital Innovation (ITSDI) ADI Pengabdian kepada Masyarakat Jurnal (ADIMAS Jurnal) Golden Ratio of Social Science and Education Startupreneur Business Digital (SABDA Journal) Jurnal MENTARI: Manajemen, Pendidikan dan Teknologi Informasi Jurnal Penelitian Pendidikan Indonesia International Transactions on Artificial Intelligence (ITALIC) Journal of Computer Science and Technology Application
Muhtarom
Universitas Terbuka
Religion Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Languange, Linguistic, Communication & Media Library & Information Science Materials Science & Nanotechnology Social Sciences Other

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Smart Contract Based Data Strategy for Startup Growth in Digital Business Systems Paroli Paroli; Muhtarom Muhtarom; Mungkap Mangapul Siahaan; Derlina Derlina; Kgomotso Moyo
CORISINTA Vol 3 No 2 (2026): August
Publisher : Pandawan Sejahtera Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33050/gkh09876

Abstract

This study explores how smart contract based data strategies can support startup growth in digital business systems characterized by competition, limited resources, and increasing demand for transparency. In the context of rapid digital transformation, startups require reliable data governance mechanisms to manage transactions, automate business processes, and strengthen stakeholder trust. The background of this research highlights that conventional data management often faces challenges related to data integrity, operational inefficiency, centralized control, and limited transparency, making smart contracts a strategic alternative for supporting secure and automated digital business operations. The objective of this study is to analyze how smart contract based data strategies contribute to startup growth by enhancing data transparency, workflow automation, trust formation, and operational scalability. Employing a qualitative conceptual approach, this study synthesizes academic literature, blockchain related studies, and documented insights on smart contract implementation in digital business environments. The analysis focuses on key dimensions, including decentralized data management, automated transaction execution, transparency mechanisms, security assurance, and workflow efficiency. The results indicate that smart contracts function not merely as blockchain tools but as strategic data mechanisms that enable startups to reduce operational risks, improve process reliability, and strengthen digital business credibility. The conclusion reveals that effective smart contract implementation can support sustainable startup growth by improving data accountability, enhancing stakeholder confidence, and enabling scalable digital operations. This study contributes to blockchain and digital business literature by positioning smart contracts as strategic data capabilities for startup development.
Analyzing the Gender Gap in Digital Financial Services Access Dwi Andayani; Muhtarom Muhtarom; Bonar Napitupulu
IAIC Transactions on Sustainable Digital Innovation (ITSDI) Vol 7 No 2 (2026): April
Publisher : Pandawan Sejahtera Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34306/itsdi.v7i2.721

Abstract

This study examines the persistent gender disparity in digital financial inclusion, where Digital Financial Services (DFS) offer transformative opportunities but remain unevenly accessed by men and women. The background reveals that despite the rapid expansion of Fintech ecosystems and increased global adoption of digital financial tools, women continue to experience lower ownership and usage of digital accounts. The object of this research is to analyze the structural and social determinants contributing to the gender gap in DFS access and utilization. The proposed method adopts a mixed-methods approach, integrating quantitative analysis of global financial inclusion datasets with qualitative case studies of policies and programs explicitly designed to support women’s financial participation. The result indicates that digital literacy limitations, entrenched socio-cultural expectations, and restricted access to essential resources such as mobile devices, financial assets, and formal identification continue to reinforce systemic barriers preventing women from fully benefiting from digital finance advancements. The conclusion highlights that addressing this inequality requires gender-intentional strategies, inclusive design principles, and evidence-based policy intervention to ensure that DFS evolves not only as a technological innovation but also as an equitable instrument for financial empowerment and social inclusion.
Blockchain-Based Transformation of Academic Data Management for Enhancing University Governance Nur Azizah; Muhtarom; Omar Arif Al-Kamari
Jurnal MENTARI: Manajemen, Pendidikan dan Teknologi Informasi Vol 4 No 2 (2026): March
Publisher : Pandawan Sejahtera Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33050/mentari.v4i2.1021

Abstract

Academic data management at universities often faces challenges related to security, transparency, and efficiency. Conventional systems are still vulnerable to manipulation, data duplication, and slow verification processes. This situation demands technological innovation to strengthen academic data governance comprehensively. This study aims to analyze the application of blockchain technology as a solution to transform academic data management and evaluate its contribution to improving security, transparency, and accountability in university governance. The research approach uses a systematic literature review and a comparative analysis of traditional data management models and blockchain based systems. In addition, empirical validation was conducted through a survey involving 120 respondents consisting of academic stakeholders, including lecturers, administrative staff, and students. Furthermore, a mapping of university governance needs and simulation of relevant blockchain architectures for academic applications were conducted. The results show that blockchain integration can improve academic data integrity through distributed recording and encryption mechanisms. This technology also accelerates the diploma verification process, minimizes the risk of document forgery, and increases the efficiency of data exchange between university units. The application of blockchain in academic data management has the potential to become a strong foundation for more transparent, secure, and efficient university governance. This transformation can drive improvements in academic services and support more accurate decision-making based on reliable data.
Evaluating Smart Mobile Public Services for Bridging Digital Divide in Rural Governance Systems Muhtarom Muhtarom; Dewi Immaniar Desrianti; Nengah Sukendri; Thomas Green; Muhammad Farhan Kamil
International Transactions on Artificial Intelligence Vol. 4 No. 2 (2026): May
Publisher : Pandawan Sejahtera Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33050/italic.v4i2.1065

Abstract

The persistent digital divide remains a critical challenge for rural governance, particularly in developing regions where disparities in infrastructure, digital literacy, and institutional capacity hinder equitable access to public services. This study aims to evaluate the impact of mobile-based public services on improving governance outcomes, specifically in terms of accessibility, efficiency, transparency, citizen participation, and public trust within rural contexts. A quantitative research design is employed using Structural Equation Modeling (SEM), based on survey data collected from 250 rural respondents and supported by national digital access indicators to ensure empirical robustness. The results reveal that mobile-based public services significantly enhance governance performance, with strong positive effects on accessibility (β= 0.72), efficiency (β = 0.68), and transparency (β = 0.70). These improvements subsequently foster higher levels of citizen participation (β = 0.75), which plays a critical mediating role in strengthening public trust (β = 0.80). Additionally, the measurement and structural models demonstrate strong reliability, convergent validity, discriminant validity, and overall model fit, confirming the robustness of the proposed framework. This study contributes to the digital governance literature by offering an integrated socio-technical and empirical SEM-based framework that explains how mobile-based services can effectively bridge the digital divide and enhance rural governance outcomes. Furthermore, it provides practical and policy-relevant insights aligned with Sustainable Development Goals (SDG 9, SDG 10, and SDG 16), supporting inclusive and sustainable digital transformation strategies.
Digital Transformation in Public Administration through Digital Leadership to Improve Government Efficiency Muhtarom Muhtarom; Untung Rahardja; Po Abas Sunarya; Arthur Freeman
Technomedia Journal Vol 11 No 1 (2026): June
Publisher : Pandawan Incorporation, Alphabet Incubator Universitas Raharja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33050/tmj.v11i1.2641

Abstract

This study examines the role of digital leadership in accelerating digital transformation within public administration to improve governmental efficiency. The objective of this research is to analyze how digital leadership influences the effectiveness, transparency, and service quality of public sector institutions in the digital era. This study employs a quantitative approach using survey data collected from 125 public sector employees, complemented by Structural Equation Modeling-Partial Least Squares (SEM-PLS) to test the relationships between variables. The results indicate that digital leadership has a significant positive effect on the success of digital transformation initiatives, which in turn enhances operational efficiency, decision-making speed, and public service delivery quality additionally, organizational readiness and technological infrastructure are identified as supporting factors that strengthen these relationships. In conclusion, the study highlights that effective digital leadership is a critical driver in ensuring successful digital transformation in public administration, thereby improving overall government performance, and it is recommended that policymakers invest in leadership development and digital capability enhancement to sustain long-term efficiency gains.
Co-Authors Aji Fajar Suryo Antoro Ari Asmawati Arona Fadila Arthur Freeman Bonar Napitupulu Cut Khairani Danny Manongga Derlina Derlina Desrianti, Dewi Immaniar Dwi Andayani Dwi Nur Ramadhan Edi Saputra Hidayah Hidayah Hilma Erfiani Baroroh Iqbal Mansis Isnaeni Yuliani Ivan Kovac Jayanti Armida Sari Kgomotso Moyo Kristina Vaher Lakshmi Devi Lily Maria Evans Lukita Pasha Meri Mayang Sari Moh Sofyan Budiarto Mohd Faiz Hilmi Muhammad Farhan Kamil Muhlisin Muhlisin Muhlisin Muhlisin Mungkap Mangapul Siahaan Nengah Sukendri Novi Fitria Hermiati Nur Azizah Omar Arif Al-Kamari Paroli Paroli Po Abas Sunarya Po Abbas Sunarya Sugeng Setyadi Susanti Susanti Sutama Wisnu Dyatmika Thomas Green Untung Rahardja Vivi Indra Amelia Nasution Yunia Rahayuningsih Yusrafiddin Yusrafiddin