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All Journal Journal of Economic, Bussines and Accounting (COSTING) Jurnal Akuntansi dan Bisnis Oikonomia : Journal of Management Economics and Accounting Jurnal Ekonomi dan Studi Pembangunan (JESP)
Mehilda Rosdaliva
Finance And Banking Study Program, Vocational School, Universitas Sebelas Maret
Economics, Econometrics & Finance

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Ekonomi Digital Untuk Pengguna Dengan Disabilitas: Dampak Inovasi, Peluang, Dan Tantangan Ni Komang Septia Noriska; Mehilda Rosdaliva
Journal of Economic, Bussines and Accounting (COSTING) Vol 7 No 4 (2024): Journal of Economic, Bussines and Accounting (COSTING)
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/costing.v7i4.9863

Abstract

Ekonomi digital telah memiliki dampak signifikan terhadap inklusivitas dan aksesibilitas bagi pengguna dengan disabilitas. Dalam konteks ini, ekonomi digital tidak hanya dianggap sebagai platform untuk transaksi komersial, tetapi juga sebagai sarana untuk memungkinkan orang-orang dengan disabilitas berpartisipasi secara lebih aktif dalam aktivitas ekonomi dan sosial. Metode penelitian dalam studi ini adalah studi literatur dengan pendekatan kualitatif yang merupakan metode penelitian yang bertujuan untuk menyimpulkan, akses pasar yang lebih luas bagi orang-orang dengan disabilitas merupakan sesuatu yang sangat penting dan membutuhkan lebih banyak perhatian. Kemudahan akses ke keuangan bagi orang-orang dengan disabilitas adalah isu penting yang harus diperhatikan oleh pemerintah dan lembaga keuangan. Digitalisasi ekonomi telah menjadi tren yang berkembang dalam beberapa tahun terakhir, dan inovasi di bidang ini telah memberikan banyak manfaat bagi berbagai kelompok termasuk orang-orang dengan disabilitas. Digitalisasi ekonomi telah membuka pintu bagi banyak orang dengan disabilitas untuk memulai dan mengembangkan bisnis mereka sendiri. Pasar digital memberikan akses yang lebih luas dan lebih banyak kesempatan kerja bagi orang-orang dengan disabilitas. Inovasi digitalisasi ekonomi telah memiliki dampak signifikan terhadap peluang dan partisipasi aktif orang-orang dengan disabilitas dalam ekonomi. Digitalisasi ekonomi membuka peluang besar bagi orang-orang dengan disabilitas melalui peningkatan akses dan fleksibilitas kerja. Tantangan dalam ekonomi digital bagi orang-orang dengan disabilitas termasuk akses digital dan infrastruktur, desain yang tidak mengakomodasi kebutuhan orang-orang dengan disabilitas.
Digital Competency for Employees in the Banking Industry: Literature Review Martini, Endang; Damayanti, Rosita Mei; Palupi, Rosa De Lima Dyah Retno; Pramesti, Diah; Ayuninggar, Lintang; Rosdaliva, Mehilda
Jurnal Akuntansi dan Bisnis Vol 25, No 1 (2025)
Publisher : Accounting Study Program, Faculty Economics and Business, Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/jab.v25i1.1432

Abstract

This study examines how digital skills are developed among banking employees, especially in countries that are still growing their digital systems. Although many models like the Technology Acceptance Model (TAM), Unified Theory of Acceptance and Use of Technology (UTAUT), and Diffusion of Innovation (DOI) have been used to study how people adopt technology, the results often differ between developed and developing countries. By reviewing past research, this study identifies the key factors that influence digital skills, such as how useful or easy a technology is to use, support from others, and how well the technology fits user needs. It also shows that in developing countries, trust, digital knowledge, and access to technology are especially important. The study ends by highlighting the need to connect digital transformation with employee skill development, especially in the banking and finance sector.
The Influence of Digital Communication and Gen Z's Perception of Cooperatives and Islamic Banking Endang Martini; Mehilda Rosdaliva; Salsabila Salsabila
Oikonomia : Journal of Management Economics and Accounting Vol. 2 No. 3 (2025): Oikonomia - May
Publisher : PT. Hafasy Dwi Nawasena

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61942/oikonomia.v2i3.338

Abstract

This study aims to examine Generation Z's interest in cooperatives and Islamic financial institutions in the digital era through a literature study approach. Generation Z, who were born and grew up amidst technological developments, have distinctive characteristics such as high dependence on technology, preference for fast and efficient services, and awareness of social and religious values. This study analyzes findings from various previous studies related to factors that influence Gen Z's interest in cooperatives and Islamic financial institutions. These factors include financial literacy, perceptions of service digitalization, religiosity, lifestyle, reference groups, and adoption of sharia-based financial technology. The results of the study indicate that sharia financial literacy is the main factor driving Gen Z's interest in Islamic banks and cooperatives. In addition, efficient and sharia-compliant digital services are a special attraction. The religiosity factor strengthens their preference for Islamic financial institutions, while lifestyle and the influence of social groups also shape their financial decisions. This study recommends that cooperatives and Islamic financial institutions develop innovative technology-based strategies to reach Gen Z. Efforts to improve financial literacy and promote sharia values through digital media are also suggested as effective approaches
Threshold Levels of Environmental Quality and Fiscal Decentralization on Economic Growth in Indonesia before, during and after COVID-19 Pandemic Malik Cahyadin; Mehilda Rosdaliva; Selfia Bintaringintyas; Yunastiti Puwaningsih; Yong Sze Wei
Jurnal Ekonomi dan Studi Pembangunan Vol 16, No 2 (2024)
Publisher : Universitas Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Environmental quality can stimulate a certain level of economic growth. Besides, the fiscal decentralization will enhance economic growth by improving a better condition for a local government budget. In the COVID-19 pandemic, the government should work hard to address a higher level of economic growth. Therefore, the threshold levels of environmental quality and fiscal decentralization can be assessed to maintain economic growth in the long-run. This study estimates the threshold levels of environmental quality and fiscal decentralization on economic growth for 34 provinces in Indonesia before, during and after COVID-19 pandemic. The cross-section threshold regression was employed. The findings reveal that before COVID-19 pandemic the threshold levels of fiscal decentralization and environmental quality were 15.18% and 74.97, respectively. During COVID-19 pandemic these levels were 15.32-27.33% and 74.71-74.97, respectively. Meanwhile, after COVID-19 pandemic these levels were 11.99% and 77.69, respectively. Therefore, the local policymakers should manage the local fiscal policy under prudent and sustainable patterns to enhance the local economic growth. They should also pay more attention to qualify the certain level of environmental quality to guarantee the local green growth.
Co-Authors -, Diah Pramesti - Endang Martini Lintang Ayuninggar Malik Cahyadin Ni Komang Septia Noriska Palupi, Rosa De Lima Dyah Retno Rosa De Lima Dyah Retno Palupi Rosita Mei Damayanti Salsabila Salsabila Selfia Bintaringintyas Yong Sze Wei Yunastiti Puwaningsih