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All Journal Oikonomia : Journal of Management Economics and Accounting Nomico
Adrian Eka Darma Serang
Perbanas Institute Jakarta
Economics, Econometrics & Finance

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The Role of Financial Technology (Fintech) in Financial Inclusion and MSME Growth in Indonesia Adrian Eka Darma Serang; Ummy Kalsum; Yunior Pasagi; Eka Lestari Hafqi Putri
Oikonomia : Journal of Management Economics and Accounting Vol. 2 No. 3 (2025): Oikonomia - May
Publisher : PT. Hafasy Dwi Nawasena

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61942/oikonomia.v2i3.339

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are the backbone of the Indonesian economy with significant contributions to GDP and employment. However, their access to formal financial services is still limited due to strict requirements from conventional financial institutions and high levels of business informality. Financial technology (fintech) is present as a more inclusive financing alternative through services such as peer-to-peer (P2P) lending and digital payments. Fintech offers fast processes, no collateral, and product flexibility, but its effectiveness is highly dependent on the financial and digital literacy of MSME actors. This study uses a qualitative approach with a case study method in two different regions to explore access, impact, and challenges of fintech use by MSMEs. Initial results show that although fintech expands access to financing and encourages digitalization, there is still a risk of over-indebtedness, inequality in digital infrastructure, and low understanding of contracts and financial obligations. Therefore, synergy is needed between the government, regulators, and service providers to strengthen financial literacy and create a fair and sustainable digital ecosystem. This research is expected to contribute to the development of policies that support the comprehensive digital financial transformation of MSMEs, as well as ensuring that fintech becomes an instrument of empowerment, not a source of new vulnerabilities
Digital Transformation as an Enabler of Sustainability Management in the 5.0 Industry Adrian Eka Darma Serang; Hilmi Wiranwata; Darman Syafei
Oikonomia : Journal of Management Economics and Accounting Vol. 3 No. 1 (2025): Oikonomia-December
Publisher : PT. Hafasy Dwi Nawasena

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61942/oikonomia.v3i1.501

Abstract

The emergence of Industry 5.0 marks a fundamental shift in industrial paradigms from technology-centric efficiency toward human-centric, sustainable, and resilient systems. In this context, digital transformation is no longer positioned merely as a tool for operational efficiency, but as a structural enabler of sustainability management. This study aims to systematically synthesize the academic literature on the role of digital transformation in enabling sustainability management within the Industry 5.0 framework. A Systematic Literature Review (SLR) was conducted following PRISMA guidelines, analyzing peer-reviewed journal articles with active DOIs related to digital transformation, sustainability management, and Industry 5.0. The findings reveal that digital transformation enables sustainability management through data integration, adaptive decision-making, transparency, and the alignment of economic, environmental, and social dimensions. However, the literature also identifies critical limitations and risks, including digital readiness gaps, ethical and technological biases, over-reliance on automation, and regulatory inconsistencies. This study concludes that the effectiveness of digital transformation as a sustainability enabler depends on the integration of technological capabilities, human-centered values, and governance structures. The study contributes by clarifying the enabling mechanisms of digital transformation and proposing a conceptual foundation for sustainable management practices in the Industry 5.0 era.
Banking Digitalization in the Era of Revolution 5.0: Opportunities and Risks for Financial Inclusion Adrian Eka Darma Serang
Nomico Vol. 1 No. 10 (2024): Nomico-November
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/x3ta4h52

Abstract

Banking digitalization in the Revolution 5.0 era plays a key role in accelerating financial inclusion by leveraging digital technology to expand access to financial services for previously underserved communities. Technologies such as mobile banking, fintech, and blockchain have enabled faster, cheaper, and more accessible financial transactions, even by those who live in remote areas or do not have access to traditional banking services. However, challenges related to data security, cyber threats, inequality of access to technology, and low digital literacy are the main obstacles in realizing comprehensive financial inclusion. This study aims to examine the opportunities and risks associated with banking digitalization in the Revolution 5.0 era, as well as suggest strategies to overcome these challenges. Collaboration between the public and private sectors is needed to build a more equitable digital infrastructure, increase digital literacy, and develop regulations that protect the security of user data and transactions. With an inclusive and coordinated approach, banking digitalization is expected to create a more efficient, fair, and sustainable financial system, as well as provide broader economic opportunities for all levels of society.
Paylater Lifestyle: Financial Solution or Debt Trap for the Younger Generation Adrian Eka Darma Serang; Adhis Darussalam Pamungkas; Tiara Nirmala
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/vxvc2903

Abstract

Paylater services have grown rapidly in Indonesia along with the increasing penetration of digital and e-commerce. Ease of access and more flexible requirements make it the main choice for the younger generation to meet consumer needs. However, uncontrolled use of Paylater can pose financial risks, such as debt accumulation, declining credit scores, and inhibiting the ability to save. The younger generation, who are still in the stage of building personal finances, are very vulnerable to these negative impacts. Studies show that most Paylater users are aged 20-30 years, with the majority using this service for online shopping and lifestyle. Dependence on Paylater reflects a weak awareness of long-term financial consequences. Without a good understanding of the fee and interest structure, many users are trapped in debt that is difficult to repay. This phenomenon is exacerbated by a culture of impulsive consumption driven by aggressive marketing strategies from e-commerce platforms. If not balanced with adequate financial literacy and strict regulations, Paylater risks exacerbating individual financial crises. Therefore, increasing financial literacy and stricter policies are urgently needed to ensure responsible use of Paylater, as well as to protect consumers and the stability of the financial sector.
Financial Well-Being as a Management Strategy: Linking Employee Well-Being to Company Performance Adrian Eka Darma Serang; Nasrullah Djamil; Tiara Nirmala; IGP Ratih Andaningsih
Nomico Vol. 2 No. 8 (2025): Nomico - September
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/sbff2d42

Abstract

Employee financial well-being is a strategic aspect of human resource management that directly impacts psychological stability, motivation, and individual performance. A stable financial condition reduces economic stress, allowing cognitive capacity to focus on achieving work targets and increasing productivity. This study used a qualitative method with a literature review approach to analyze the relationship between financial well-being and company performance, while also identifying effective implementation strategies. The results of the literature synthesis indicate that financial well-being contributes to reduced turnover rates, absenteeism, and work errors, as well as strengthening a positive work culture and team cohesion. Support programs such as financial literacy, access to soft financing, and insurance protection serve as psychological buffers and instruments for mitigating external risks. Integrating these concepts into HR policies supports the achievement of Sustainable Human Resource Management (SHRM) and internal Corporate Social Responsibility (CSR) goals. Furthermore, the positive reputation created strengthens employer branding, attracts quality talent, and creates a competitive advantage that is difficult to replicate. Thus, financial well-being is not merely a welfare policy, but rather a strategic foundation that synergizes an organization's economic, social, and cultural goals in a sustainable manner         
Co-Authors Adhis Darussalam Pamungkas Darman Syafei Eka Lestari Hafqi Putri Hilmi Wiranwata IGP Ratih Andaningsih Kalsum, Ummy Nasrullah Djamil Tiara Nirmala Tiara Nirmala Yunior Pasagi