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All Journal International Journal of Islamic Educational Research Journal of Business Integration Competitive Global Economics: International Journal of Economic, Social and Development Sciences
Ibrahim Mallam Fali
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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The Urgency of Education in Supporting the Country's Eco-nomic Development Through the Human Capital Theory Approach Isma Yulia Sofiani; Miftahus Surur; May Husnul Khotimah; Sugianto Sugianto; Ibrahim Mallam Fali
International Journal of Islamic Educational Research Vol. 2 No. 4 (2025): October : International Journal of Islamic Educational Research
Publisher : Asosiasi Riset Ilmu Pendidkan Agama dan Filsafat Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/ijier.v2i4.432

Abstract

This article raises the academic issue of the low contribution of education quality to economic development in several developing countries, including Indonesia. This problem arises due to limited investment in developing quality human resources. Education plays a strategic role in shaping the intellectual capacity, skills, and productivity of the workforce, which are the foundation of sustainable economic growth. The purpose of this study is to analyze the urgency of education in supporting economic development through the perspective of Human Capital Theory, which emphasizes the importance of investing in people as a primary development asset. This study uses a desk study method by reviewing various academic literature, previous research results, and reports from international institutions regarding the relationship between education and economic growth. The results show that education plays a crucial role in driving economic and social development through the development of competent human resources. Based on human capital theory, investment in education can improve individual capabilities and societal welfare. Developed countries such as Finland, Japan, and Singapore have successfully demonstrated that large budget allocations to the education sector can sustainably increase economic productivity. However, developing countries and Muslim countries still face obstacles such as unequal access, limited facilities, and low teaching quality. Meanwhile, education in Muslim countries needs to be strengthened through curriculum reform and improved teaching quality to produce a skilled and globally competitive generation.
Digital Knowledge and Financial Resilience as Determinants of Financial Behavior: Evidence from Indonesia Amin Hou; Muhammad Restu Razaq; Ibrahim Mallam Fali; Leony Hoki; Prianda Pebri
Journal of Business Integration Competitive Vol. 2 No. 1 (2025): Journal of Business Integration Competitive
Publisher : Yayasan Bina Bisnis Nusantara Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64276/jobic.v2i1.29

Abstract

Financial resilience (FR) and digital knowledge (DK) are two significant things that affect how people behave with money in the digital financial ecosystem, especially in developing nations like Indonesia. This study seeks to examine the mediating function of FR in the correlation between DK and FB among digital financial users in Medan City. This research employs a quantitative methodology, gathering data via an online survey of 230 participants who are active users of digital financial platforms, including e-wallets, mobile banking, and fintech lending. The Partial Least Squares–Structural Equation Modeling (PLS-SEM) method was used to investigate the association between the postulated variables. The findings indicate that DK exerts a favorable and significant influence on both FR and FB, while FR similarly impacts FB positively. Furthermore, FR has been shown to partially moderate the link between DK and FB. This suggests that people who know more about digital technology tend to be better at handling money, which indicates that they are more responsible and healthy with their money. These results corroborate that digital competence enhances access to financial services and fortifies individuals' capacity to manage financial stress and make judicious financial decisions. This work theoretically enhances the behavioral finance literature by emphasizing the significance of incorporating digital literacy and financial resilience as essential factors influencing prudent financial behavior in the digital era. In practice, the findings of this study suggest that governments and financial institutions should develop complete digital financial education programs that emphasize both technical competencies and psychological preparedness to confront contemporary financial difficulties
Assessing the Role of Social Protection Expenditure on Income Inequality and Human Development Index Levels Aditiyanto Ekaputra; Adriana Madya Marampa; Ibrahim Mallam Fali
Global Economics: International Journal of Economic, Social and Development Sciences Vol. 1 No. 3 (2024): September: Global Economics - International Journal of Economic, Social and Dev
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70062/globaleconomics.v1i3.406

Abstract

This study investigates the impact of social protection expenditure on income inequality and Human Development Index (HDI) across multiple countries from 2000 to 2020. Using panel data regression analysis, the study explores whether higher public social spending on healthcare, education, and social services significantly reduces income inequality, as measured by the Gini coefficient, and enhances HDI. The results indicate a strong positive correlation between social protection spending and both reduced inequality and improved HDI. Specifically, countries with higher social protection expenditure, especially those with social-democratic welfare models, exhibit lower income inequality and higher HDI scores. The analysis also highlights significant country-level differences, revealing that while high-income countries with comprehensive social protection systems tend to perform better in terms of human development, low- and middle-income countries with limited spending face persistent challenges in reducing inequality and improving HDI. Further, the study discusses the mechanisms through which social protection policies influence human development, particularly through improved access to education, healthcare, and social services. The findings suggest that integrating social protection with broader economic policies can lead to sustainable reductions in inequality and improvements in human development outcomes. The study contributes to the existing literature by providing empirical evidence on the role of social protection in fostering inclusive growth and human development, emphasizing the need for more comprehensive and efficient social protection systems, especially in developing countries.
Enhancing Financial Behavior through Financial Awareness and Professional Advice: Insights from the Government Sub-sidized Housing Program for Lecturers in Medan Sabaruddin Chaniago; Amin Hou; Adi Harianto; Septa Diana Nabella; Ibrahim Mallam Fali
Journal of Business Integration Competitive Vol. 2 No. 2 (2026): Journal of Business Integration Competitive
Publisher : Yayasan Bina Bisnis Nusantara Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64276/jobic.v2i2.75

Abstract

This study seeks to examine the impact of financial awareness on financial behavior, utilizing financial advisers as a mediating variable among Generation Y lecturers in Medan City participating in the government's 3 million subsidized housing program. The consistently poor quality of financial decision-making about subsidized housing ownership underscores the necessity of enhancing financial literacy, facilitated by the involvement of competent financial counselors. This research utilized a quantitative methodology, namely a survey technique including the dissemination of questionnaires to participants. The study's population comprised Generation Y lecturers in Medan City, with a sample size of 78 individuals selected through a random sampling method. The analysis of data was conducted using Structural Equation Modeling–Partial Least Squares (SEM-PLS) to evaluate both direct and indirect correlations among variables. The findings indicated that financial awareness exerted a favorable and significant influence on financial behavior. Moreover, financial awareness substantially affected the utilization of financial advisors, which subsequently yielded a favorable impact on financial behavior. It was shown that financial advisors indirectly affected the link between financial knowledge and financial conduct. This research underscores the necessity for government and subsidized housing program administrators to incorporate financial literacy initiatives tailored to the distinct requirements of lecturers, including training in long-term financial planning, subsidized mortgage simulations, and financing risk management. Additionally, it is recommended that higher education institutions offer internal financial consulting services or partner with financial advising organizations to aid instructors in making prudent and sustainable financial choices. This study shows that banks and other financial institutions need to strengthen the role of financial advisors by using education and personalized services to improve the way customers handle their money, especially when it comes to subsidized housing financing programs
Co-Authors Adi Harianto Aditiyanto Ekaputra Adriana Madya Marampa Amin Hou Chaniago, Sabaruddin Isma Yulia Sofiani Leony Hoki May Husnul Khotimah Miftahus Surur Muhammad Restu Razaq Prianda Pebri Septa Diana Nabella Sugianto Sugianto