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All Journal Inventa: Journal of Science, Technology, and Innovation Sanitas: Journal of Health, Medical, and Psychological Studie Prosperia: Journal of Economic Development, Accounting, and Global Markets Mercatura Lumina: Journal of Management, Entrepreneurship, and Tourism Capitalis: Journal of Economic Stability, Banking, and Investment
Fidya Pramesti
Stai Yasba Kalianda
Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Control & Systems Engineering Electrical & Electronics Engineering Engineering Health Professions Industrial & Manufacturing Engineering Mechanical Engineering Medicine & Pharmacology

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Mengintegrasikan Nilai-Nilai Manajemen Islam ke dalam Tata Kelola Digital: Menuju Kerangka Kerja Global untuk Manajemen Pendidikan Berkelanjutan Fidya Pramesti
Journal of Science, Technology, and Innovation Vol 1 No 1 (2025): August: Inventa: Journal of Science, Technology, and Innovation
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/8tps6508

Abstract

This study explores the integration of Islamic managerial values into digital governance as a strategic framework for achieving sustainable educational management. Grounded in qualitative descriptive research, it investigates how principles such as amanah (trust), ‘adl (justice), shura (consultation), and itqan (excellence) can be operationalized within digital management systems of Islamic educational institutions. Data were derived from document analysis and semi-structured interviews across Indonesia, Malaysia, and Saudi Arabia, supported by official reports from the Ministry of Education and Culture (2023), UNICEF Indonesia (2021), and the International Telecommunication Union (2023). The findings reveal a substantial gap between digital readiness and ethical institutionalization, as infrastructure and human-resource competencies lag behind student adaptability. The proposed global framework interlinks value codification, technological architecture, human-capital capability, and sustainability measurement to create a cohesive, value-driven governance model. Integrating ethical and technological dimensions strengthens transparency, accountability, and institutional resilience. The study concludes that embedding Islamic managerial ethics into digital governance is essential to achieving moral coherence and long-term sustainability in global Islamic education.
Etika Sosial-Ekonomi Islam dan Ketahanan Psikologis: Menjelajahi Hubungan Antara Iman, Kesejahteraan, dan Kesehatan Masyarakat Fidya Pramesti; Muhammad Furqan
Journal of Health, Medical, and Psychological Studies Vol 1 No 1 (2025): August: Sanitas: Journal of Health, Medical, and Psychological Studies
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

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Abstract

This study explores the interconnection between Islamic socioeconomic ethics and psychological resilience, emphasizing the integration of faith-based values in promoting community mental health. Grounded in qualitative inquiry, the research examines how principles such as justice (adl), equity, and social responsibility embedded in Islamic economic practices particularly zakat, infak, and waqf contribute to psychological stability and collective well-being. Empirical data from national reports indicate that effective zakat distribution enhances financial security, reduces anxiety, and reinforces trust within communities. Furthermore, the spiritual dimension, encompassing gratitude (shukr), patience (sabr), and reliance upon God (tawakkul), serves as a psychological buffer against economic distress. The integration of these spiritual and ethical elements fosters adaptive coping, social solidarity, and a renewed sense of meaning among individuals facing socioeconomic challenges. The study concludes that merging Islamic ethical economics with spirituality provides a holistic model for sustainable mental health promotion. Such an integrative framework aligns moral responsibility, economic justice, and psychological resilience, offering significant implications for public policy and community-based interventions in Muslim-majority societies.
Digital Banking Transformation and Financial Inclusion: A Comparative Regulatory Review Alya Nabila Adistia; Ayu Ambarwati; Fidya Pramesti
Prosperia: Journal of Economic Development, Accounting, and Global Markets Vol. 1 No. 1 (2026): February: Prosperia: Journal of Economic Development, Accounting, and Global Ma
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/fh3jf732

Abstract

Digital banking transformation has emerged as a central driver of financial inclusion, yet its distributive outcomes vary substantially across regulatory environments. This study conducts a structured comparative regulatory review to examine how variations in legal design, supervisory capacity, and governance coherence mediate the relationship between digital banking transformation and financial inclusion. Drawing on a systematic literature review of peer-reviewed scholarship and regulatory documents, the analysis integrates comparative institutional theory with regulatory governance frameworks. Findings reveal that proportional and adaptive regulatory architectures facilitate balanced innovation and prudential oversight, thereby enhancing both access and quality dimensions of inclusion. Higher transformation intensity—characterized by interoperable platforms, mobile ecosystems, and digital-only banking models—correlates with diversified service usage and broader socio-economic impacts, including growth and sustainability alignment. However, digital divides, infrastructural disparities, and governance fragmentation moderate inclusive outcomes. The study advances a conceptual framework positioning regulatory complementarity as the critical mediator linking technological innovation to inclusive development, offering theoretical refinement and policy-relevant insights for sustainable digital financial ecosystems.
Community-Based Ecotourism Development and Sustainable Rural Entrepreneurship in Indonesia Fidya Pramesti; Randika Shafly Fawwaz; Mahfud Heru Fatoni; Aswanto Aswanto; Eko Sutrisno
Journal of Management, Entrepreneurship, and Tourism Vol. 1 No. 1 (2026): : February: Mercatura Lumina: Journal of Management, Entrepreneurship, and Tour
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/5ng0y838

Abstract

Community-based ecotourism has increasingly been promoted as a strategic pathway for fostering sustainable rural development, yet empirical evidence explaining how it systematically enables sustainable rural entrepreneurship remains limited, particularly in developing country contexts. This study examines the relationship between community-based ecotourism development and sustainable rural entrepreneurship in Indonesia, emphasizing the roles of participation, local governance, and environmental management. Employing an empirical quantitative design, data were collected from rural tourism communities managing ecotourism destinations through structured questionnaires administered to community entrepreneurs, cooperative leaders, and local managers. The data were analyzed using Partial Least Squares Structural Equation Modeling to assess measurement validity and test structural relationships among latent constructs. The findings demonstrate that community-based ecotourism development has a significant positive effect on sustainable rural entrepreneurship, reflected in enhanced economic viability, social value creation, and environmental orientation of rural enterprises. The results further reveal that collective learning, social capital, and institutional embeddedness mediate this relationship, transforming tourism activities into resilient and adaptive entrepreneurial systems. The study contributes to the literature by empirically positioning community-based ecotourism as a developmental platform that integrates governance, entrepreneurship, and sustainability, offering practical insights for rural development policy and community empowerment strategies.
Algorithmic Bias in Artificial Intelligence–Based Credit Scoring and Its Implications for Financial Inclusion Fidya Pramesti; Hutama Muhammad Anhar; Isra Mawaddah
Capitalis: Journal of Economic Stability, Banking, and Investment Vol. 1 No. 2 (2026): : June: Capitalis: Journal of Economic Stability, Banking, and Investment
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

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Abstract

This study investigates the structural dynamics of algorithmic bias within artificial intelligence based credit scoring frameworks and its cascading implications for global financial inclusion. Utilizing a quantitative explanatory design across a cross regional dataset, this empirical inquiry examines how machine learning underwriting architectures process structured financial records alongside non traditional alternative behavioral metrics. The econometric results indicate a severe positive relationship between mathematical model complexity and demographic exclusion, where deep neural networks generate substantial statistical parity differences against protected borrower cohorts by utilizing digital proxy variables. While alternative data features like mobile wallet velocity and utility bill consistency significantly broaden capital accessibility for historically unbanked thin file populations, uncalibrated feature engineering choices systematically replicate pre existing socio economic disparities under the guise of predictive neutrality. To address this conceptual and empirical tension, this paper evaluates post mitigation optimization protocols within contemporary regulatory technology systems. The empirical findings demonstrate that deploying adversarial debiasing frameworks effectively eliminates disparate impact and minimizes equalized odds gaps while fully preserving structural portfolio stability and systemic fraud detection reliability.  
Co-Authors Alya Nabila Adistia Aswanto Aswanto Ayu Ambarwati Eko Sutrisno Hutama Muhammad Anhar Isra Mawaddah Mahfud Heru Fatoni Muhammad Furqan Randika Shafly Fawwaz