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All Journal Journal of Artificial Intelligence and Digital Business PRODUCTIVITY: Journal of Integrated Business, Management, and Accounting Research
lukman hakim
Institut Syariah Negeri Junjungan Bengkalis
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering Social Sciences

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Tantangan dan Strategi Investasi pada Perusahaan Startup Teknologi di Indonesia lukman hakim
PRODUCTIVITY: Journal of Integrated Business, Management, and Accounting Research Vol. 1 No. 2 (2024): PRODUCTIVITY: Journal of Integrated Business, Management, and Accounting Resear
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/product.v1i2.36

Abstract

The rapid growth of technology Startups in Indonesia is driven by increasing internet penetration and the adoption of digital technologies across sectors. However, these Startups face significant challenges, including market uncertainties, regulatory shifts, and operational issues such as scalability and resource constraints. High-risk yet potentially high-reward investments in this sector demand a nuanced understanding of these challenges and the formulation of effective investment strategies. This study explores the key challenges faced by technology Startups in Indonesia and identifies strategies employed by investors and entrepreneurs to mitigate associated risks. Using a qualitative descriptive approach, this research examines data from industry reports, annual publications, and expert interviews to provide a comprehensive analysis of the ecosystem. Findings highlight that while Startups benefit from Indonesia's large digital market, government support, and international funding, they struggle with regulatory complexities, talent shortages, and fierce competition. Strategies such as diversifying funding sources, leveraging technological innovation, fostering corporate partnerships, and participating in incubation programs are crucial for overcoming these barriers. Insights from this study aim to assist stakeholders in enhancing the sustainability and competitiveness of Indonesia’s Startup ecosystem, ensuring it remains a vital driver of economic growth and innovation in Southeast Asia.  
Do Green Finance and Islamic Financial Literacy Drive SDG Achievement? A Panel Study of Indonesian Islamic Banks: english Lukman Hakim; Dewi Oktayani; Kiki Candri; Muhammad Elsa Tomisa; Susilawati Susilawati
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 2 (2026): Mei-Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i2.7919

Abstract

This study investigates the role of green finance in supporting the achievement of the Sustainable Development Goals (SDGs) within Indonesian Islamic banking, with Islamic financial literacy incorporated as a moderating variable. Using panel data from eight Islamic commercial banks over the 2020–2024 period, the study applies a fixed-effects regression model to analyze the relationships among variables. The findings indicate that green finance has a positive and statistically significant effect on SDG achievement, highlighting the importance of sustainability-oriented financing in promoting environmental and social outcomes. Islamic financial literacy is also found to have a direct positive impact on SDG performance, suggesting that higher levels of public understanding of Islamic financial principles enhance the effectiveness of sustainable finance initiatives. Furthermore, the interaction between green finance and Islamic financial literacy is significant, implying that financial literacy strengthens the influence of green finance on sustainable development outcomes. In contrast, conventional financial indicators, such as Return on Equity (ROE) and leverage, do not show significant effects on SDG achievement. These results emphasize that value-based and knowledge-driven factors play a more critical role than traditional profitability measures in advancing sustainability within Islamic banking. This study contributes to the literature by integrating green finance and financial literacy perspectives, while also providing practical implications for policymakers and financial institutions to enhance sustainability strategies through financial education and green financing initiatives.
Co-Authors Dewi Oktayani Kiki Candri Muhammad Elsa Tomisa Susilawati Susilawati