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All Journal INTERNATIONAL JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (INJOSS)
Sudarmo Sudarmo
Universitas Mulia Balikpapan, Indonesia
Religion Humanities Economics, Econometrics & Finance Social Sciences Other

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BRIDGING THE FINTECH GENDER GAP: STRATEGIES FOR ENHANCING WOMEN'S ACCESS TO FINANCIAL SERVICES Sudarmo Sudarmo; Adi Mursalin; Meiyanti Widyaningrum; Khasanah Khasanah; Naiyun Untung Utama
INTERNATIONAL JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (INJOSS) Vol. 2 No. 3 (2023): SEPTEMBER
Publisher : ADISAM PUBLISHER

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Abstract

The fintech gender gap, characterized by a significant disparity in women's access and utilization of financial technology products and services, presents a critical challenge to achieving financial inclusion. This article explores strategies for bridging the fintech gender gap and enhancing women's access to financial services. Through a comprehensive review of existing literature, this study identifies key factors contributing to the gender gap in fintech adoption, including individual-level controls and country characteristics. The article proposes various strategies to address the gap based on these insights. These strategies include promoting digital literacy and financial Education among women, developing user-friendly fintech products tailored to their needs, fostering an inclusive fintech ecosystem, and strengthening policy and regulation to ensure gender equality. The article emphasizes the importance of collaboration between policymakers, financial institutions, and technology providers to implement these strategies effectively. Through the implementation of these measures, it is hoped that the fintech gender gap can be narrowed, thereby promoting financial inclusion and empowering women in the digital economy.
ANALYSIS OF ISLAMIC BANK FINANCIAL PERFORMANCE IN FACING GLOBAL MARKET CHALLENGES Novianty Djafri; Diah Fatma Sjoraida; Julinta Paulina; M. Anton Fatoni; Sudarmo Sudarmo
INTERNATIONAL JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (INJOSS) Vol. 2 No. 3 (2023): SEPTEMBER
Publisher : ADISAM PUBLISHER

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Abstract

This analysis evaluates the financial performance of Islamic Banks in facing global market challenges. The findings show that Islamic banks have demonstrated solid financial performance, with significant asset and revenue growth and effective risk management. Islamic banks have also managed to maintain good financing quality. However, Islamic banks face challenges in the global market, including intense competition with conventional banks, regulatory differences in various countries, and low customer awareness and education. To face this challenge, Islamic banks must improve operational efficiency, develop product and service innovations that suit customer preferences, strengthen marketing and branding, and expand distribution networks. This analysis concludes that Islamic banks have a strong potential to face global market challenges. With solid financial performance, significant asset growth, effective risk management, and adaptive strategies, Islamic banks can remain competitive in a dynamic global market. However, it is essential for Islamic banks to continuously monitor global market developments, manage risk appropriately, and strengthen their strategy to face the ever-evolving challenges.
Co-Authors Adi Mursalin Diah Fatma Sjoraida Julinta Paulina Khasanah Khasanah M. Anton Fatoni Meiyanti Widyaningrum Naiyun Untung Utama Novianty Djafri