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All Journal Jurnal Ekonomi, Bisnis, Manajemen dan Akuntansi (JEBIMAN) International Journal of Social and Education (INJOSEDU) Jurnal Ekonomi dan Bisnis (Jebi)
Tehedi
Universitas Sultan Muhammad Syafiuddin Sambas
Economics, Econometrics & Finance

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PETA STATISTIK PDB NASIONAL INDONESIA 2025–2026: ANALISIS DESKRIPTIF STRUKTUR PERTUMBUHAN EKONOMI, KONTRIBUSI SEKTOR UTAMA, DAN PROYEKSI NILAI NOMINAL BERDASARKAN DATA BPS, BI, SERTA IMF DALAM KONTEKS PEMULIHAN PASCA-PANDEMI Ignatius Septo Pramesworo; Tehedi
JEBIMAN : Jurnal Ekonomi, Bisnis, Managemen dan Akuntansi Vol. 4 No. 2 (2026): JEBIMAN (Jurnal Ekonomi, Bisnis, Manajemen dan Akuntansi)
Publisher : CV. ADIBA AISHA AMIRA

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Abstract

This article presents a descriptive analysis of statistical maps of Indonesia’s national Gross Domestic Product (GDP) for the period 2025–2026 based on primary data from the Central Statistics Agency (BPS), projections from Bank Indonesia (BI) and the International Monetary Fund (IMF), focusing on the structure of real economic growth averaging 5.1–5.3% (year-on-year), key sectoral contributions such as manufacturing (19–20%), trade (13–14%), agriculture (13–14%), and digital services (45% cumulative) which account for 63–65% of nominal GDP, and a projected value of Rp22,000–23,500 trillion by 2026 amidst the post-COVID-19 pandemic recovery. A systematic literature review reveals the dynamics of transformation from a commodity-based economy to one with high value-added through nickel downstreaming, continued PEN fiscal stimulus, and a stable BI-Rate monetary policy that maintains inflation at 2.5±1% and the rupiah at Rp15,500/USD, although regional disparities between Java and non-Java areas, as well as global geopolitical risks, remain key challenges. The findings underscore the resilience of the national economy towards Indonesia Emas 2045, with recommendations for inclusive reforms based on the digitalisation of SMEs, a green economy, and export diversification to sustain the momentum of sustainable growth above 5%.
PRODUCT BRANDING TRANSFORMATION IN THE DIGITAL AGE: STRATEGY, IDENTITY, AND CONSUMER LOYALTY FOR MSMEs Kadeni Kadeni; Tehedi
INJOSEDU: International Journal of Social and Education Vol. 2 No. 12 (2026): International Journal of Social and Education (INJOSEDU)
Publisher : Adisam Publisher

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This article analyses the transformation of SME product branding in the digital era, focusing on digital-first strategies, brand identity strengthening, and their impact on consumer loyalty. The results show that strategies such as content marketing, influencer collaboration, e-commerce live streaming, and personalised SEO increase visibility by up to 60% and ROI by 5:1, while a cohesive digital brand identity—through authentic visual elements, local storytelling, and the Aaker model—accelerates loyalty through the Oliver stage with a 20-point increase in NPS, 40% retention, and 2x CLV. Practical implications include a 6-12 month roadmap for SMEs to compete in Indonesia's Rp 2,000 trillion digital economy by 2030, with recommendations for government-academic collaboration to address the digital literacy gap.
TRANSFORMASI DIGITAL UANG DAN EFEKTIVITAS TRANSMISI KEBIJAKAN MONETER DALAM SISTEM PERBANKAN HYBRID: TINJAUAN SISTEMATIS LITERATUR Ahmad Rizani; Tehedi
Jurnal Ekonomi dan Bisnis Vol. 3 No. 10 (2026): Jurnal Ekonomi dan Bisnis (Jebi)
Publisher : CV. Adiba Aisha Amira

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.19550964

Abstract

The digital transformation of money has shifted the paradigm of global monetary architecture from a system based on conventional bank intermediation towards a hybrid financial ecosystem that integrates Central Bank Digital Currency (CBDC), real-time digital payments, and non-bank fintech platforms. This structural shift challenges the effectiveness of traditional monetary policy transmission mechanisms, which have long relied on interest rate, credit, and exchange rate channels via commercial banks. This article aims to critically examine the impact of the digital transformation of money on the effectiveness of monetary policy transmission within the context of a hybrid banking system through a systematic literature review. The research findings identify two main conclusions: (1) the digitalisation of money accelerates the speed of policy interest rate pass-through through increased digital competition, price transparency, and payment channel efficiency, whilst simultaneously introducing risks of liquidity volatility and commercial banking disintermediation that may weaken transmission stability; (2) the effectiveness of transmission within hybrid systems is highly heterogeneous across jurisdictions, depending on the maturity of digital infrastructure, the design of the CBDC architecture, levels of financial literacy, and the regulatory framework coordinating monetary authorities with technology regulators. Thus, there is no universal model for optimising monetary transmission in the digital age; each country requires a contextual approach that balances innovation with prudence, efficiency with inclusion, and policy precision with systemic stability. Recommended policy implications include designing CBDCs with tiered remuneration features, expanding access to emergency liquidity facilities for systemic non-bank institutions, strengthening inter-authority coordination, and significant investment in cyber resilience and digital financial literacy. This research contributes to the literature on digital monetary economics by providing the first comprehensive synthesis integrating perspectives on CBDCs, digital payment systems, and hybrid banking dynamics within a coherent analytical framework.
Co-Authors Ahmad Rizani Ignatius Septo Pramesworo Kadeni Kadeni, Kadeni