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All Journal Journal of Sharia Economics, Banking and Accounting Inflasi : Jurnal Ekonomi, Manajemen dan Perbankan Journal of Economics, Management and Accounting (JEMA)
Asep Koswara
IKOPIN University
Economics, Econometrics & Finance Education Social Sciences

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The Growth of Digital Financial Services (DFS) in Indonesia Amid Tight Regulations: Drivers and Barriers Analysis Asep Koswara
Inflasi : Jurnal Ekonomi, Manajemen dan Perbankan Vol. 1 No. 2 (2024): Inflasi - November
Publisher : PT. Faaslib Serambi Media

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Abstract

This study explores the dynamics of digital financial services (DFS) growth in Indonesia amidst increasing regulatory challenges. Using a qualitative observational approach, the research investigates the key drivers and barriers to DFS expansion in the country. The findings reveal that the gross transaction value (GTV) of online payments in Indonesia reached $286 billion in 2022, with projections to grow by 19% annually to $404 billion by 2024. Similarly, the online lending sector saw an increase in loan balances, from $5 billion in 2022 to an expected $9 billion by 2024. The research identifies key drivers such as technological advancements, the increasing smartphone penetration, and a more supportive regulatory environment as factors contributing to the sector’s growth. However, challenges /barrier remain, particularly in terms of regulatory constraints, digital literacy gaps, and infrastructure limitations in rural areas. This paper also explores the potential implications of stricter regulations on fintech innovation and its effects on market competition. It concludes by offering recommendations for enhancing digital financial inclusion, including the need for targeted policy reforms, investment in digital literacy, and improved internet infrastructure.
Predicting Trends in Islamic Banking & Finance: A Big Data Analysis Using Google Trends and AI Asep Koswara
Journal of Sharia Economics, Banking and Accounting Vol 2, No 2: 2025
Publisher : STAI Nurul Islam Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52620/jseba.v2i2.199

Abstract

This study employs big data analysis and AI forecasting to predict global public interest trends in Islamic Banking and Finance over the period 2020 to 2025, using Google Trends data and the artificial intelligence (NeuralProphet) model. Five key terms—Islamic finance, Islamic banking, sukuk, takaful, and halal investment—were analyzed to capture diverse sector dynamics. Forecasts reveal varying trends: takaful shows the highest predicted interest (85.6) with strong seasonal fluctuations, Islamic finance and halal investment exhibit steady growth with moderate seasonality, while sukuk and Islamic banking display irregular, event-driven patterns. Model evaluation via MAE (0.41–5.03), RMSE (0.49–6.95), and R² (0.16–0.67) reflects differing predictive accuracies, highlighting stable sectors versus more volatile markets. These findings underscore the potential of integrating big data and AI to enhance strategic planning and responsiveness in Islamic finance, supporting tailored, data-driven decision-making aligned with evolving market behavior.
The Anatomy of Viral TikTok Ads: Sentiment and Semantic Analysis of Top-Performing Keywords Asep Koswara
Journal of Economics, Management and Accounting (JEMA) Vol. 2 No. 01 (2024): Journal of Economics, Management and Accounting (JEMA)
Publisher : Devitara Innovations

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Abstract

This study analyzed the anatomy of viral TikTok advertisements by examining the sentiment and semantic characteristics of top-performing keywords in the Indonesian market. The research utilized data from TikTok’s Keyword Insights platform, focusing on metrics such as popularity, click-through rate, conversion rate, and cost per acquisition. The analysis revealed that viral keywords predominantly exhibited neutral sentiment and were closely linked to culturally relevant terms reflecting local consumer interests. The dataset included over 700 million impressions and revealed that keywords such as pria (man), diskon 50% (50% discount), and sepatu (shoes) dominated virality with popularity scores reaching up to 40,000 and engagement rates exceeding 25%. Sentiment analysis showed that all top viral keywords carried a neutral sentiment. Correlation analysis indicated a strong positive relationship (r = 0.94) between engagement metrics and virality, while click-through rates negatively correlated with virality (r = -0.54). Cultural factors, including keywords related to modest fashion like hijab (headscarf) and gamis (muslim dress), were significant in shaping consumer behavior. The study demonstrates that viral success on TikTok in Indonesia relies on a combination of semantic relevance, cultural context, and interactive engagement, providing strategic insights for data-driven and culturally tailored marketing campaigns.  
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