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All Journal GEMA TEKNOLOGI Jurnal Algoritma JUSTIFY : Jurnal Sistem Informasi Ibrahimy Jurnal Kabar Masyarakat JAR'S (Journal of Advanced Research in Informatics)
Miftahul Arifin
Universitas Wiraraja
Computer Science & IT Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Membangun Masa Depan: Pentingnya Literasi Keuangan bagi TKI di Malaysia Miftahul Arifin; Herliani Herliani; Hasnaniah Hasnaniah; Khuzaini Khuzaini
Jurnal Kabar Masyarakat Vol. 4 No. 2 (2026): Mei: JURNAL KABAR MASYARAKAT
Publisher : Institut Teknologi dan Bisnis Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jkb.v4i2.3844

Abstract

Digitalization has become a fundamental pillar in the transformation of global labor governance, including for Indonesian Migrant Workers (TKI) in Malaysia, whose numbers reach more than 1.4 million people. This article aims to conduct an in-depth analysis of the urgency of digitalization in improving welfare, legal protection, and access to financial services for TKI in Malaysia through a systematic literature review with a descriptive qualitative approach. The research results show that digitalization has a significant impact in three main domains: (1) legal protection through migtech that bridges the gap between policy and practice, (2) economic efficiency and financial inclusion through fintech and digital wallets, and (3) competency empowerment through digital literacy training. However, various studies also highlight challenges such as suboptimal system privatization, low digital literacy, limited internet access, and the risk of cyber exploitation. The research conclusion emphasizes that digitalization is not merely an additional option but a strategic necessity for migrant workers in Malaysia to build a more independent, protected, and competitive future, with the caveat that a holistic approach involving the government, financial institutions, communities, and the strengthening of bilateral policies is needed.
Co-Authors Aam Shodiqul Munir Ahmad Sururi Alamsyah, Dafiq Fajri Arief Wibowo Fauzi Helmi Fauzi Helmi Fauzi Helmi Haninda Bharata Hasnaniah Hasnaniah Helmi, Fauzi Herliani Herliani Hikmawansyah, R Bagus iddrus Iddrus Ilman Firmansa Khuzaini Muhammad Faizal Ilham Rakhmat Rakhmat Ratna Ayu Sekarwati Rizal Sapta Dwi Harjo Rizal Sapta Dwi Harjo Undang Rosidin