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All Journal INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE) INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE) Journal of Community Dedication
Ajeng Faizah Nijma Ilma
IESP, FEB, Universitas Jenderal Soedirman, Indonesia
Economics, Econometrics & Finance

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DIGITAL CURRENCIES AND INFORMAL ECONOMIES: ASSESSING THE FINANCIAL INCLUSION POTENTIAL OF CBDCs IN EMERGING MARKETS Loso Judijanto; Ajeng Faizah Nijma Ilma; Farikhul Muafiq
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 2 No. 10 (2025): JULY
Publisher : Adisam Publisher

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This research aims to explore the potential of central bank digital currencies (CBDCs) to increase financial inclusion in emerging markets, particularly in the context of the informal economy, which still dominates economic activity in many regions. Through a comprehensive literature review of previous studies, policy reports, and international regulatory documents, this research analyzes how the design and implementation of CBDCs can bridge the financial access gap faced by marginalized groups and workers in the informal sector. The study finds that CBDCs have significant potential to provide cheaper, safer, and more accessible payment systems, as well as increase trust in the formal financial system. However, these benefits are highly dependent on factors such as technical design, public trust, digital infrastructure, and privacy protection policies. This research recommends that the development of CBDCs in developing countries seriously consider the local socio-economic context and foster close collaboration between governments, the private sector, and local communities to ensure inclusive and sustainable adoption.
ANALYSIS OF THE INFLUENCE OF FOREIGN DIRECT INVESTMENT, LABOR PRODUCTIVITY AND TECHNOLOGYON ECONOMIC GROWTH Loso Judijanto; Ajeng Faizah Nijma Ilma; Gautama Sastra Waskita
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 2 No. 5 (2025): INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
Publisher : Adisam Publisher

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Foreign investment, labor productivity and technology are key factors that can significantly influence economic growth. An important factor in a nation's economic development is foreign direct investment. This involves investing foreign assets into domestic structures, equipment, and organizations. Research on the Indonesian economy shows that FDI has a significant impact on economic growth. FDI can also increase the productivity and macroeconomic stability of the recipient country so that this source of funds is considered to have great potential as a driving force for the economy and is believed to be relatively safe for a country because it is a long-term investment. Macroeconomic indicators like unemployment, pricing levels, and economic growth can be used to assess a nation's economic performance. Economic growth is mostly driven by labor productivity. Therefore, policies and strategies that aim to increase productivity are essential for achieving sustained and inclusive economic development. The influence of technology on economic growth can be seen from various perspectives. Based on available information, technology has a significant impact in driving a country's economic growth.
THE ROLE OF CREATIVE ECONOMY IN IMPROVING SOCIAL WELFARE AMONG MILLENNIALS Sari Mariahma Nova Sipayung; Ajeng Faizah Nijma Ilma
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 2 No. 6 (2025): JUNE
Publisher : CV. Adiba Aisha Amira

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This study aims to examine the role of the creative economy in improving social welfare among the millennial generation through a literature review approach. The creative economy as a sector that relies on ideas, creativity, and innovation has great potential in creating inclusive and sustainable economic opportunities, especially for the younger generation. The millennial generation who are adaptive to technology and dynamic in their work make them the main actors in the development of the creative economy. Through a search of various scientific literature, articles, and policy reports, this study found that the creative economy not only contributes to economic growth, but also plays a role in expanding employment opportunities, increasing social participation, and strengthening cultural identity. In addition, the creative economy encourages millennials to become independent and innovative economic actors, which has a direct impact on improving social welfare both individually and as a community. These findings indicate that the development of a creative economy that is targeted and based on local potential can be an effective strategy in improving the quality of life of the millennial generation in Indonesia, especially in areas with high creative potential.
YOUTH ENTREPRENEURIAL DEVELOPMENT THROUGH CREATIVE PRODUCT BRANDING WORKSHOPS Friend Zakharia; Heriyanto Heriyanto; Ajeng Faizah Nijma Ilma
JOURNAL OF COMMUNITY DEDICATION Vol. 4 No. 4 (2025): AGUSTUS
Publisher : Adiba Aisha Amira

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Youth entrepreneurship development is a crucial strategy for fostering economic independence and creating new jobs amidst increasingly complex global challenges. This community service program, titled "Youth Entrepreneurial Development through Creative Product Branding Workshops," aims to provide a conceptual and practical foundation for supporting the capacity building of young entrepreneurs through creative product branding training. Using a literature review method, this study summarizes previous findings regarding the effectiveness of workshops as participatory learning tools and the importance of branding strategies in enhancing the competitiveness of fledgling MSME products. The study's findings demonstrate that collaboratively and contextually designed training fosters an innovative entrepreneurial mindset, enhances visual communication skills, and strengthens product identity in the marketplace. These findings serve as the basis for designing a community service program model that is applicable and relevant to the needs of young entrepreneurs in the digital economy era.
Co-Authors Farikhul Muafiq Friend Zakharia Gautama Sastra Waskita Heriyanto Heriyanto Loso Judijanto Sari Mariahma Nova Sipayung