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All Journal Journal of Regional Economics Indonesia el-Jizya: Jurnal Ekonomi Islam
Sabila, Sasti Amar
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Economics, Econometrics & Finance

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Peran Finansial Technology sebagai Katalisator Intensi Literasi Keuangan dan Inklusi Keuangan Pada Usaha Mikro Kecil dan Menengah (UMKM) di Jawa Tengah Sochimin, Sochimin; Sabila, Sasti Amar
el-Jizya : Jurnal Ekonomi Islam Vol. 12 No. 2 (2024): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v12i2.11156

Abstract

As technology and information advances, new products and services often appear in society. The presence of financial technology (fintech) as a credible financial institution is one of the services that can provide solutions business financing problem that often arise in society, especially in Micro, Small, and Medium Enterprise (MSMEs) In Central Java. Central Java Province is on of the best provinces in Indonesia according to the financial services authority because it implements the MSME digitalization empowerment program. The aim of this scientific research is to analyze and understand the role of fintech in development of MSMEs in Central Java. A descriptive qualitative approach was used in this research. Secondary data was obtained from books and journals. Based on the findings of this research, financial institution such as fintech are commited to increasing access to financing for Cental Java MSMEs. This can be seen in increasing MSME credit, as well as reducing interest rate on MSMEs Credit, in order to encourage credit growth for regional economic recovery. Furthermore, financial literacy in Central Java is higher than the national financial literacy index, while financial inclusion in Central Java is lower than the national financial inclusion index. The Central Java Government hopes to meet the national target of 90% by 2024.
Integrating the Metaverse into the Halal Value Chain: A Maqāṣid-Based Digital Innovation Framework for Global Halal Market Leadership Yanti, Hani Esa; Sabila, Sasti Amar
Journal of Regional Economics Indonesia Vol. 7 No. 1 (2026): February 2026
Publisher : University Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jrei.v7i1.16793

Abstract

This study develops a Metaverse Halal Value Chain (MHVC) framework to integrate metaverse technology into Indonesia’s halal value chain in order to enhance global market competitiveness. Using a qualitative case study approach, data were collected from 25 key informants, including halal entrepreneurs, certification auditors, regulators, academics, and Muslim consumers. Semi-structured interviews, participatory observation, and document analysis were examined through thematic analysis. The findings reveal four key insights: (1) the halal metaverse is perceived as a new spiritual-economic space embedding maqāṣid al-sharīʿah values in digital transactions; (2) digital integration improves certification transparency and cross-sector collaboration; (3) legitimacy and trust remain critical challenges in virtual halal authentication; and (4) Indonesia holds strategic potential to become a global halal ecosystem hub through value-driven digital governance. The proposed MHVC model integrates technological efficiency, collaborative networks, and ethical principles, offering both theoretical advancement and practical guidance for sustainable halal digital transformation.
From Predictive Modeling to Strategic Execution: Integrating Decision Tree Analytics into SWOT Frameworks to Enhance Service and Security in Islamic Banking Sabila, Sasti Amar; Sochimin, Sochimin; Yanti, Hani Esa
Journal of Regional Economics Indonesia Vol. 7 No. 1 (2026): February 2026
Publisher : University Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jrei.v7i1.16794

Abstract

This study investigates the integration of Decision Tree analytics and SWOT analysis in enhancing service quality and information security in Islamic banking. Using a cross-sectional explanatory design, the research combines transaction-level customer data modeled through a Decision Tree classifier with survey data from 270 customers of Bank Syariah Indonesia. The Decision Tree model demonstrates strong classification performance, with satisfactory accuracy, sensitivity, and specificity in identifying customer risk profiles. Multiple regression analysis indicates that both Decision Tree utilization and SWOT implementation have positive and statistically significant effects on perceived service quality and security. The Decision Tree shows a stronger direct impact, while SWOT contributes strategically by translating predictive insights into structured planning actions. The findings highlight the complementary relationship between predictive analytics and strategic management. This study contributes to the literature by bridging machine learning applications and strategic frameworks in Islamic banking and provides managerial implications for data-driven governance and service optimization.
Co-Authors Sochimin Sochimin Yanti, Hani Esa