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All Journal Oshada Maneggio Nomico Journal of Public Health Indonesian Leges Privatae Journal of Adat Recht
Olyvia Rosalia
Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi
Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Health Professions Immunology & microbiology Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology

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Journal : Nomico

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Analysis of The Influence of Fintech on The Adoption Rate of Digital Financial Services Olyvia Rosalia; Ahmad Junaidi
Nomico Vol. 2 No. 3 (2025): Nomico - April
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/mehb1461

Abstract

This study aims to analyze the influence of financial technology (fintech) on the level of adoption of digital financial services among the Indonesian population. Using a quantitative approach and the Partial Least Square Structural Equation Modeling (PLS-SEM) method, this research examines the variables of ease of use, user trust, perceived usefulness, and system security on the adoption level of fintech services. Data were collected through questionnaires distributed to 150 fintech users across various regions. The analysis results show that all four variables have a significant influence on the adoption of digital financial services, with perceived usefulness being the dominant factor. Ease of use and trust also play important roles in shaping users’ decisions, while the security aspect serves as a supporting factor influencing user retention. These findings offer insights for fintech developers and regulators to improve service quality and accelerate digital financial inclusion. This study also highlights the importance of consumer education and protection in the era of digital financial transformation.
Women's Experiences in Managing Small Businesses in The Digital Age: a Narrative Approach Hilda Yuliastuti; Olyvia Rosalia
Nomico Vol. 2 No. 3 (2025): Nomico - April
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/6p7wpx74

Abstract

This study explores women's experiences in managing small businesses in the digital age using a narrative approach. By collecting in-depth stories from female entrepreneurs, the research highlights how digital technologies such as social media, e-commerce platforms, and digital business tools have transformed the way women operate and grow their businesses. The findings reveal that digitalization has opened up new market opportunities, enhanced business efficiency, and empowered women to innovate and assert greater autonomy in their entrepreneurial roles. However, challenges such as digital literacy gaps, limited financial resources, and socio-cultural constraints remain prevalent. Despite these barriers, many women demonstrate resilience and adaptability, especially when supported by family, community networks, and access to digital training. The study underscores the importance of integrating digital support systems into entrepreneurship development programs to foster inclusive economic empowerment. Overall, digitalization emerges not only as a technical tool but also as a strategic means to advance gender equality in the economic sector.
Socio-Economic Impact of Government Digitization Programs: A Citizen's Perspective Olyvia Rosalia; Firayani; Zulham Zulham
Nomico Vol. 2 No. 2 (2025): Nomico-March
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/7kza1c11

Abstract

This study aims to explore the socio-economic impact of digitalization programs implemented by the government, focusing on citizens' perspectives. The research examines the extent to which the digitalization of public services such as e-ID (e-KTP), e-tax, and e-health has improved efficiency, transparency, and accessibility. The method used is a survey involving respondents from various regions, combining quantitative and qualitative analysis to explore public perceptions, adoption, and challenges. The findings show that although digitalization offers convenience for the majority of citizens, there remains a gap in access, especially among those with low digital literacy and residents in remote areas. Moreover, concerns about data privacy and security persist, particularly among vulnerable populations who lack adequate understanding of their rights and protections in the digital sphere. Respondents also expressed differing levels of satisfaction depending on their previous exposure to technology and the quality of local infrastructure. While urban populations generally report smoother adoption and more positive experiences, rural communities often face difficulties due to unstable internet connections and limited assistance in using digital platforms. This disparity underscores the need for targeted interventions, such as community-based training programs and the development of offline-compatible systems. Overall, this study provides evidence that while digitalization holds significant promise for enhancing public service delivery, its success hinges on the government's ability to ensure equitable access, foster public trust, and build digital capacity across all demographics.
Co-Authors Abu Sahman Nasim Abu Sahman Nasim Ahmad Junaidi Amruddin Amruddin Amruddin Amruddin Anis Noviya Ardenny Arief Fahruri Ariy khaerudin Chin, Jacky Dewi Setya Paramitha Dwi Nurahman Eka Mardiana Afrilia Eka Santi Agustina Erika Erika Firayani Firayani Firayani Fransiska Ekobelawati Godlif Sianipar Gregorius Raditya Indra Prihandana Hanuring Ayu Hari Supriadi Hasnidar Heliyani Hilda Yuliastuti Ilham Samanlangi Ince Annisah Adawiyah Arifin Jean Henry Raule Juliani Pudjowati Kalsum, Ummy Kamila Harahap Kasman Lestaluhu Komala Dewi Muslimin La Jimu Lahmuddin Zuhri Lestari Wuryanti Loso Judijanto M. Siddiqi Marwah Mas'ud Miko Mei Irwanto Nuraida Wahyu Sulistyani Nurul Hidayati Pemy Christiaan Pramudi Harsono Ratih Subekti Sadly Ashari Said Selly Swandari Sri Meike Jusup Taupiq Yunita Sari Thirayo Ziadatul Munawarah Zulham Zulham