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All Journal Jurnal Ilmiah Edunomika (JIE) Global Economics: International Journal of Economic, Social and Development Sciences
Fricy Rumintjap
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

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BEHAVIOR OF ACCESSING ARTIFICIAL INTELLIGENCE (AI) CONTENT IN INDONESIA: DESCRIPTIVE ANALYSIS BASED ON APJII 2025 SECONDARY DATA Djuuna, Meykel; Fricy Rumintjap; Benhard Lanto
JURNAL ILMIAH EDUNOMIKA Vol. 10 No. 1 (2026): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v10i1.19034

Abstract

This study aims to describe Indonesian internet users' behavior in accessing Artificial Intelligence (AI) content, using secondary data from the 2025 Indonesian Internet Profile Survey conducted by the Indonesian Internet Service Providers Association (APJII). The research adopts a descriptive design, without hypothesis testing or inferential statistics. Data are taken as reported by APJII in the form of percentages and charts, then interpreted through descriptive–narrative analysis. The results indicate a clear gap between high national internet penetration and relatively low AI adoption; only a minority of respondents report using AI, while the majority have not yet engaged with it. Among AI users, educational purposes represent the most common use, followed by entertainment, whereas virtual assistant and productivity functions remain limited. For non-users, the main reasons are not knowing what AI is, not knowing how to use it, and perceiving no need for AI. AI usage is also concentrated among younger generations, particularly Generation Z. The novelty of this study lies in constructing a national descriptive map of AI content access behavior based on APJII’s 2025 AI module, and interpreting it within the framework of digital consumer behavior and AI literacy.
ANALYSIS OF ONLINE LOAN PENETRATION AND CONSUMER BEHAVIOR IN INDONESIA Jusuf, Sabrun; Meykel Djuuna; Fricy Rumintjap
JURNAL ILMIAH EDUNOMIKA Vol. 10 No. 1 (2026): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v10i1.19417

Abstract

The development of financial technology (fintech) has driven the emergence of online lending services as an integral part of Indonesia’s digital financial ecosystem. While these services have the potential to expand financial inclusion, understanding of their penetration levels and consumer behavior patterns remains limited, particularly based on nationally scaled data. This study aims to analyze the penetration of online lending usage and consumer behavior in Indonesia based on generational groups, household expenditure levels, and primary reasons for usage. This research adopts a descriptive quantitative approach by utilizing secondary data from the 2025 Survey on Internet Penetration and User Behavior in Indonesia conducted by the Indonesian Internet Service Providers Association (APJII). The analysis is based on official percentage tables and infographics covering online lending usage status, user distribution by generation and expenditure level, as well as the motivations for using online lending services. The results indicate that the penetration rate of online lending in Indonesia remains relatively low, at approximately 8.21% of internet users. However, usage is concentrated within specific segments, particularly Generation Z and Millennials, as well as households with low to middle expenditure levels. Online lending is utilized for various purposes, with the main motivations including installment-based purchases without credit cards, fulfillment of urgent needs, and financing daily necessities, accompanied by factors such as promotional incentives, ease of process, and lifestyle considerations. These findings suggest that online lending functions, both as a consumption financing instrument and a short-term liquidity buffer. Overall, this study indicates that the primary users of online lending services are digitally adopt groups who simultaneously exhibit higher levels of financial vulnerability. These findings underscore the importance of strengthening targeted digital financial literacy initiatives and consumer protection measures in the development of the online lending ecosystem. This research is expected to serve as a foundation for policymaking and further studies that are more sensitive to generational dynamics and household expenditure structures within the context of Indonesia’s digital finance landscape.
Effects of Climate-Related Financial Risk on Foreign Direct Investment and Economic Stability in Developing Countries Fricy Rumintjap; Eko Sudarmanto; Arvy N. Osma
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.v1i3.391

Abstract

Climate change is increasingly recognized as a significant financial risk factor, particularly in developing countries where financial systems are often less resilient to environmental shocks. This study explores the relationship between climate-related financial risks, Foreign Direct Investment (FDI), and economic stability in developing nations. It highlights how both physical risks, such as extreme weather events (e.g., floods and droughts), and transition risks, including regulatory changes and shifts toward a low-carbon economy, deter FDI and contribute to economic volatility. The findings show that developing countries, which are more vulnerable to these risks, experience reduced FDI inflows due to the increased costs of adaptation and the potential for operational disruptions. Additionally, the study finds that countries with weaker financial institutions and governance structures are more susceptible to the economic instability induced by climate risks. The analysis suggests that climate risk mitigation strategies, such as strengthening financial sectors, improving governance, and implementing effective climate policies, can help reduce these risks and create a more stable investment environment. The research also identifies gaps in the literature, particularly the combined effect of climate risks and financial instability on FDI, which warrants further exploration. The study calls for more comprehensive research, particularly focusing on regional case studies and sector-specific impacts, to guide policymakers in fostering a climate-resilient economic environment that attracts sustainable foreign investment.
Co-Authors Arvy N. Osma Benhard Lanto Jusuf, Sabrun Meykel Djuuna Sudarmanto, Eko