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All Journal Jurnal Ilmiah Ekonomi Global Masa Kini Jurnal Kompetitif : Media Informasi Ekonomi Pembangunan, Manajemen dan Akuntansi ShariaBiz International Journal of Economics and Business
Novia Irianti, Nana
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Business Ethics in Fintech and Missappropriation of Donation Funds: A Case Study of Kitabisa.com Crowdfunding Platform Tondoyekti, Kukuh; Mariana; Arviciena Sakti, Reza; Novia Irianti, Nana
Jurnal Ilmiah Ekonomi Global Masa Kini Vol. 15 No. 2 (2024): Vol 15, No 2
Publisher : Universitas Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36982/jiegmk.v15i2.4953

Abstract

The misuse of funds on the Kitabisa.com crowdfunding platform highlights major challenges in maintaining public trust, accountability, and business ethics within Indonesia’s fintech ecosystem. While the platform has facilitated social solidarity by connecting donors and recipients, cases of fund misuse indicate gaps in governance and oversight. This issue is particularly significant given the increasing popularity of crowdfunding-based fintech in Indonesia as part of digital financial innovation influenced by digital capitalism. This study aims to analyze the causes of fund misuse through the lenses of moral judgment, moral identity, and applicable regulations, while addressing the exploitative aspects of digital capitalism. This research employs a qualitative method with a case study approach. Data were collected through document analysis, including news articles, media reports, and academic literature. The findings reveal that weaknesses in recipients' moral judgment and moral identity, a lack of strict reporting mechanisms, and the pressures of digital capitalism are key factors contributing to fund misuse. Furthermore, Indonesia's crowdfunding regulation fails to provide adequate oversight of fund recipients, focusing more on platform operators, which opens opportunities for misuse by recipients. This study offers practical recommendations, including regulatory reinforcement, stricter sanctions, the development of moral education programs for recipients, and the integration of blockchain technology to ensure transparency. These findings are relevant for policymakers, platform developers, and the public in building a more ethical, transparent, and sustainable fintech ecosystem. Keywords: Fintech ethics, transparency, digital capitalism, morality, regulation.
ANALISIS PENGARUH INFLASI DAN PERTUMBUHAN EKONOMI TERHADAP PENGANGGURAN TERBUKA DI KABUPATEN LOMBOK TENGAH TAHUN 2016-2021 Nurul Aida Susanti; Rosita, Rosita; Ahmad Suhendri; Mukti Ardiansyah, Akhdiyat; Novia Irianti, Nana
Jurnal Kompetitif : Media Informasi Ekonomi Pembangunan, Manajemen dan Akuntansi Vol. 10 No. 2 (2024): Ekonomi Pembangunan, Akuntansi dan Manajemen
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Al-Azhar Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47885/kompetitif.v10i2.27

Abstract

This study is entitled "ANALYSIS OF THE EFFECT OF INFLATION AND ECONOMIC GROWTH ON OPEN UNEMPLOYMENT IN CENTRAL LOMBOK REGENCY IN 2016-2021". In this study, the researcher wants to see how inflation and economic growth affect open unemployment in Central Lombok Regency in 2016-2021. The type of this research is Quantitative research with an associative approach. The analytical tool used in this study is multiple linear regression analysis. The results of this study are that the R-square value is 0.664 with a significance value (α) or alpha of 0.05 (5%). The R-square value in this study has a meaning, namely the influence of the inflation and economic growth variables is able to explain the unemployment variable in Central Lombok Regency by 0.664 one-unit or 66.4%, and this figure shows a large influence and meets the regression criteria. While the rest is influenced by other variables not included in this study by 0.336 or 3.36%. Partially, the influence of the inflation and economic growth variables is not significant in influencing unemployment in Central Lombok Regency from 2016-2021. Simultaneously, the inflation and economic growth variables are not significant in influencing unemployment in Central Lombok Regency from 2016-2021. Meanwhile, the dominant variable influencing unemployment in Central Lombok Regency is the economic growth variable.
OPPORTUNITIES AND CHALLENGES FOR TOURISM MANAGEMENT BY THE GOVERNMENT Istiharah; Novia Irianti, Nana; Shabirin Shaddiq, Muhammad; Rizka Milania Ulfah , Baiq
ShariaBiz International Journal of Economics & Business Vol. 2 No. 1 (2025)
Publisher : Fakultas Agama Islam Universitas Islam Al-Azhar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36679/shariabiz.v%2i1.57

Abstract

Indonesia’s tourism sector holds significant economic and cultural potential, contributing 4.5% to the national GDP in 2022 while supporting millions of jobs. However, the industry faces pressing challenges, including environmental degradation, social inequities, and uneven resource distribution. This study examines the roles of governance and technology in addressing these issues, proposing strategies to enhance sustainability, equity, and resilience in tourism management. By leveraging collaborative governance and smart tourism technologies, the research highlights actionable pathways for inclusive growth. Recommendations emphasize fostering community-based tourism, advancing environmental policies, and bridging the digital divide. These findings provide a comprehensive framework for future policy initiatives and underscore Indonesia’s potential as a global leader in sustainable tourism development.
Co-Authors Ahmad Suhendri Istiharah Mariana Mariana Mukti Ardiansyah, Akhdiyat Nurul Aida Susanti Reza Arviciena Sakti Rizka Milania Ulfah , Baiq Rosita Rosita Shabirin Shaddiq, Muhammad Tondoyekti, Kukuh