Garuda - Garba Rujukan Digital

Banking Digitalization in the Era of Revolution 5.0: Opportunities and Risks for Financial Inclusion Serang, Adrian Eka Darma
Nomico Vol. 1 No. 10 (2024): Nomico-November
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/x3ta4h52

Banking digitalization in the Revolution 5.0 era plays a key role in accelerating financial inclusion by leveraging digital technology to expand access to financial services for previously underserved communities. Technologies such as mobile banking, fintech, and blockchain have enabled faster, cheaper, and more accessible financial transactions, even by those who live in remote areas or do not have access to traditional banking services. However, challenges related to data security, cyber threats, inequality of access to technology, and low digital literacy are the main obstacles in realizing comprehensive financial inclusion. This study aims to examine the opportunities and risks associated with banking digitalization in the Revolution 5.0 era, as well as suggest strategies to overcome these challenges. Collaboration between the public and private sectors is needed to build a more equitable digital infrastructure, increase digital literacy, and develop regulations that protect the security of user data and transactions. With an inclusive and coordinated approach, banking digitalization is expected to create a more efficient, fair, and sustainable financial system, as well as provide broader economic opportunities for all levels of society.

Paylater Lifestyle: Financial Solution or Debt Trap for the Younger Generation Serang, Adrian Eka Darma; Pamungkas, Adhis Darussalam; Nirmala, Tiara
Nomico Vol. 2 No. 2 (2025): Nomico-March
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/vxvc2903

Paylater services have grown rapidly in Indonesia along with the increasing penetration of digital and e-commerce. Ease of access and more flexible requirements make it the main choice for the younger generation to meet consumer needs. However, uncontrolled use of Paylater can pose financial risks, such as debt accumulation, declining credit scores, and inhibiting the ability to save. The younger generation, who are still in the stage of building personal finances, are very vulnerable to these negative impacts. Studies show that most Paylater users are aged 20-30 years, with the majority using this service for online shopping and lifestyle. Dependence on Paylater reflects a weak awareness of long-term financial consequences. Without a good understanding of the fee and interest structure, many users are trapped in debt that is difficult to repay. This phenomenon is exacerbated by a culture of impulsive consumption driven by aggressive marketing strategies from e-commerce platforms. If not balanced with adequate financial literacy and strict regulations, Paylater risks exacerbating individual financial crises. Therefore, increasing financial literacy and stricter policies are urgently needed to ensure responsible use of Paylater, as well as to protect consumers and the stability of the financial sector.

Financial Well-Being as a Management Strategy: Linking Employee Well-Being to Company Performance Serang, Adrian Eka Darma; Djamil, Nasrullah; Nirmala, Tiara; Andaningsih , IGP Ratih
Nomico Vol. 2 No. 8 (2025): Nomico - September
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/sbff2d42

Employee financial well-being is a strategic aspect of human resource management that directly impacts psychological stability, motivation, and individual performance. A stable financial condition reduces economic stress, allowing cognitive capacity to focus on achieving work targets and increasing productivity. This study used a qualitative method with a literature review approach to analyze the relationship between financial well-being and company performance, while also identifying effective implementation strategies. The results of the literature synthesis indicate that financial well-being contributes to reduced turnover rates, absenteeism, and work errors, as well as strengthening a positive work culture and team cohesion. Support programs such as financial literacy, access to soft financing, and insurance protection serve as psychological buffers and instruments for mitigating external risks. Integrating these concepts into HR policies supports the achievement of Sustainable Human Resource Management (SHRM) and internal Corporate Social Responsibility (CSR) goals. Furthermore, the positive reputation created strengthens employer branding, attracts quality talent, and creates a competitive advantage that is difficult to replicate. Thus, financial well-being is not merely a welfare policy, but rather a strategic foundation that synergizes an organization's economic, social, and cultural goals in a sustainable manner

INTEGRASI PARAMETER ESG DALAM SISTEM PENILAIAN KELAYAKAN PENJAMINAN KREDIT UMKM: PENDEKATAN RISK-BASED GUARANTEE ANALYSIS Serang, Adrian Eka Darma
JURNAL ILMIAH EDUNOMIKA Vol. 9 No. 4 (2025): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v9i4.18674

Access to credit remains one of the most persistent challenges for Indonesian MSMEs, particularly for enterprises that operate without formal collateral or structured financial records. Although MSMEs contribute significantly to national economic resilience, conventional credit assessment procedures often fail to capture the day-to-day realities of their operations. This gap creates a misalignment between the actual risk profile of MSMEs and the decisions made by lenders or guarantee institutions. As the financial sector shifts toward sustainability-oriented practices, the need for a more holistic and behaviour-sensitive guarantee assessment model has become increasingly evident. This study develops and evaluates a risk-based guarantee model that incorporates environmental, social, governance, and business-character indicators as complementary dimensions of MSME risk profiling. A total of 33 indicators were constructed and organized into four weighting categories to reflect their relative contribution to sustainability-related risk. A mixed-method approach was employed. The qualitative stage involved indicator formulation and refinement, while the quantitative stage used confirmatory factor analysis, logistic regression, and predictive performance evaluation through ROC curves, AUC values, and confusion matrices. The results demonstrate that all ESG dimensions meaningfully influence guarantee eligibility. Governance indicators emerged as the strongest predictors, followed by environmental, social, and business-character factors. The model’s classification performance shows notable improvements compared with collateral-based assessments, with higher predictive accuracy and significantly lower misclassification rates. The inclusion of digital transaction data and other alternative data further enhanced the model’s ability to identify behavioural patterns and operational consistency among MSMEs. Overall, the findings indicate that an ESG-integrated guarantee assessment framework offers a practical and adaptive alternative for institutions such as Jamkrindo. The model not only strengthens risk evaluation and reduces claim exposure but also supports broader national objectives in sustainable finance. These insights provide a foundation for developing a more inclusive, data-driven, and sustainability-aligned guarantee ecosystem.

ESG as a Field of Power: The Relationship Between Strategic Management and Accounting Practices Serang, Adrian Eka Darma
Oikonomia : Journal of Management Economics and Accounting Vol. 3 No. 2 (2026): Oikonomia - February
Publisher : PT. Hafasy Dwi Nawasena

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61942/oikonomia.v3i2.545

This study examines ESG as a field of power where strategic management decisions are translated and represented through accounting practices to construct organizational legitimacy. ESG has evolved from a reputational reporting tool into a strategic mechanism through which firms negotiate trust, authority, and long term value in response to investor, regulatory, and societal pressures. A qualitative interpretive case study design was employed using semi structured interviews with executives and accounting managers, alongside document analysis of ESG reports, annual reports, and internal strategic policies prepared under GRI and IFRS S frameworks. The findings reveal that ESG agendas are first shaped at the top management and board level through strategic priorities, risk governance, and investment decisions. These agendas are then operationalized through accounting metrics, KPIs, and disclosure narratives that define what is measurable and visible to stakeholders. The study shows that accounting serves not only as a reporting mechanism but also as an instrument of informational power, enabling selective representation of ESG performance. The results confirm that ESG legitimacy is co constructed through the interaction between managerial authority and accounting representation. This research concludes that understanding ESG requires examining the relational dynamics between strategic management and accounting practices rather than viewing ESG solely as a compliance or sustainability framework

Transformasi Keberlanjutan Industri Penjaminan Kredit UMKM di Indonesia: Analisis PESTEL dengan Konteks Jamkrindo Serang, Adrian Eka Darma; Tiolina Evi
JURNAL ILMIAH EDUNOMIKA Vol. 10 No. 2 (2026): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v10i2.19565

Penelitian ini bertujuan untuk menganalisis dinamika lingkungan strategis yang memengaruhi transformasi keberlanjutan industri penjaminan kredit UMKM di Indonesia dengan menggunakan kerangka PESTEL. Industri penjaminan dipilih karena memiliki posisi penting dalam memperluas akses pembiayaan UMKM, sementara pada saat yang sama menghadapi tekanan yang semakin kompleks dari sisi kebijakan, ekonomi, sosial, teknologi, lingkungan, dan hukum. Dalam penelitian ini, Jamkrindo digunakan sebagai anchor kontekstual untuk memperkuat relevansi empiris analisis pada level industri. Pendekatan penelitian yang digunakan adalah kualitatif deskriptif dengan basis literature review dan analisis dokumen, yang bersumber dari regulasi resmi, laporan institusi, publikasi statistik, serta dokumen korporasi yang relevan. Hasil penelitian menunjukkan bahwa faktor politik dan hukum menjadi pendorong struktural utama melalui penguatan kebijakan keuangan berkelanjutan, penguatan industri penjaminan, dan kewajiban tata kelola, sedangkan faktor ekonomi dan lingkungan memengaruhi kualitas portofolio serta ketahanan usaha UMKM. Di sisi lain, faktor sosial dan teknologi mendorong perubahan ekspektasi stakeholder, percepatan digitalisasi layanan, dan kebutuhan penilaian risiko yang lebih adaptif. Berdasarkan sintesis tersebut, penelitian ini merumuskan model konseptual yang menempatkan tekanan PESTEL sebagai pendorong transformasi strategis industri penjaminan, yang kemudian membentuk orientasi penjaminan berbasis ESG dan kapabilitas risiko digital sebagai fondasi keberlanjutan industri penjaminan kredit UMKM. Kontribusi penelitian ini terletak pada perluasan penggunaan kerangka PESTEL ke dalam konteks transformasi keberlanjutan industri penjaminan, sekaligus menawarkan implikasi praktis bagi Jamkrindo dan industri penjaminan dalam membangun model penjaminan yang lebih digital, inklusif, adaptif, dan berkelanjutan. Kata kunci: PESTEL, industri penjaminan kredit UMKM, transformasi keberlanjutan, ESG, kapabilitas risiko digital, Jamkrindo

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