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All Journal International Journal of Economics, Commerce, and Management International Journal Business, Management and Innovation Review
Agatha Helena Deze
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Decision Sciences, Operations Research & Management Social Sciences

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Strategies to Strengthen BUMDES Governance in Increasing Village Economic Independence Through Participatory Management Principles Case Study in Lembata Regency Tri Suris Lestari; Christiana Wahyuningrum; Agatha Helena Deze; Agustina Sadri Yathy Lay
International Journal Business, Management and Innovation Review Vol. 3 No. 1 (2026): February: International Journal Business, Management and Innovation Review
Publisher : Universitas Veteran Bangun Nusantara Sukoharjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijbmir.v3i1.196

Abstract

Strengthening the governance of Village-Owned Enterprises (BUMDes) is a strategic step in realizing village economic independence, but its implementation in various regions still faces challenges such as weak management capacity, lack of transparency, low community economic literacy, and dominance of top-down decision-making models. These problems can also be seen in the context of Lembata Regency which shows the gap between the ideals of participatory governance and the reality of its implementation in the field. This study aims to analyze strategies to strengthen the governance of BUMDes through the application of participatory management principles in order to increase village economic independence. The research method uses a qualitative approach with a case study design, through data collection techniques in the form of in-depth interviews, observations, and analysis of institutional documents. The results of the study show that efforts to strengthen the governance of BUMDes can be effective if supported by clear internal regulations, increasing the capacity of human resources, an open transparency mechanism, expanding community participation space, and the development of local potential-based business units. Meanwhile, the main obstacles lie in the hierarchical culture, limited human resources, and weak public reporting system. This study emphasizes that the strategy of strengthening participatory management-based governance is an important foundation for the realization of inclusive, accountable, and sustainable village economic institutions.
The Transformation of Financial Literacy in the Digital Era: a Systematic Literature Review on Concepts, Dimensions, and Future Research Directions Agatha Helena Deze
International Journal of Economics, Commerce, and Management Vol. 3 No. 2 (2026): International Journal of Economics, Commerce, and Management
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijecm.v3i2.1196

Abstract

The rapid growth of digital financial technologies has transformed how individuals access and manage financial resources, yet disparities in financial literacy remain a critical issue. This study aims to systematically examine the transformation of financial literacy in the digital era by identifying its conceptual development, key dimensions, and future research directions. A qualitative approach using the Systematic Literature Review (SLR) method was employed, following a structured process of article selection, screening, and synthesis from reputable academic databases. The findings reveal that financial literacy has evolved into a multidimensional construct encompassing financial knowledge, behavior, attitudes, and digital financial literacy. The study also highlights that technological advancement increases both opportunities and risks, requiring individuals to possess higher levels of cognitive and digital competence. Furthermore, the results indicate the need for more integrative frameworks and inclusive research across diverse contexts. This research contributes by offering a comprehensive conceptual mapping and identifying research gaps to guide future studies in the field of digital financial literacy.
Co-Authors Agustina Sadri Yathy Lay Christiana Wahyuningrum Tri Suris Lestari