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All Journal INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE) Journal of Community Dedication Indonesian Journal of Education (INJOE)
Widjanarko
Institut Bisnis dan Informatika KOSGORO 1957

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FINTECH AND FINANCIAL SERVICES TRANSFORMATION: POTENTIAL AND RISKS Erwin; Noorsidi Aizuddin Mat Noor; Widjanarko; Al-Amin
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 1 No. 6 (2024): INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
Publisher : Adisam Publisher

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Abstract

The technological revolution of the last decade has significantly impacted the financial services industry, characterised by the rise of financial technology (fintech). Fintech has promised to increase accessibility of financial services, transactional efficiency and financial inclusion. However, this rapid growth also brings new risks and challenges that are not yet fully understood. The research method used in this study is literature. The results show that fintech has successfully changed the paradigm of financial services, integrating technologies such as AI, machine learning, and big data analytics to deliver faster, cheaper, and more personalised services. This has contributed to financial inclusion in many previously underserved areas. However, significant challenges such as cybersecurity risks, regulatory uncertainty, and operational risks are emerging as side effects of the rapid adoption of fintech. These risks demand serious attention, mitigation, and management from all decision makers in the industry.
OPTIMISING THE ROLE OF CREATIVE ECONOMY IN SOCIETY THROUGH LITERATURE REVIEW: EMPOWERMENT STRATEGIES AND SUSTAINABLE DEVELOPMENT MODELS Moh. Yamin Darsyah; Sidderatul Akbar; Widjanarko; Al-Amin
JOURNAL OF COMMUNITY DEDICATION Vol. 2 No. 4 (2023): Journal of Community Dedication
Publisher : Adiba Aisha Amira

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The creative economy is an economic sector that generates value through intellectual creation and innovation. It encompasses a range of economic activities related to the creation, production, and distribution of goods and services based on knowledge and creativity. The creative economy empowers individuals by prioritising talents, skills, and creative ideas that contribute to job creation, economic growth, and social and cultural development. The research method conducted in this study is the literature research method. The results show that creative economy empowerment can be done through three main strategies: education and training oriented towards creativity and innovation; development of infrastructure and ecosystems that support synergies between creative economy actors; and utilisation of technology and digital platforms to expand market access. Moreover, a sustainable development model in the creative economy must incorporate elements of economic, social and environmental sustainability. This research reinforces the understanding that the creative economy must be managed with strategies that include sustainable development principles to realise wider benefits for society and the environment.
UMKM SOCIALISATION: CONCRETE STEPS FOR VILLAGE COMMUNITY SERVICE Sitti Nur Alam; Sri Mulyono; Widjanarko
JOURNAL OF COMMUNITY DEDICATION Vol. 3 No. 3 (2024): Journal of Community Dedication
Publisher : Adiba Aisha Amira

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Abstract

The MSME socialisation programme in the village aims to introduce and develop small businesses in the rural environment. This activity is conducted to improve the village economy by providing villagers with basic knowledge and skills about Micro, Small and Medium Enterprises. In this programme, villagers are given materials on the basics of MSMEs, how to start a business, and simple marketing strategies. In addition to theory, participants are also invited to practice directly, such as making a business plan and learning how to promote a business that is suitable for small businesses in the village. The implementation of the programme involved collaboration between universities, local entrepreneurs, and the local government. This was done so that participants could gain many perspectives and real-life experiences. The results of the programme can be seen from the increased interest of villagers to start a business, the emergence of various new business ideas, and the increase in economic activities in the village. It is hoped that this MSME socialisation can provide long-term benefits for the economic development of the village.
INNOVATIONS IN TECHNOLOGY-BASED LEARNING TO ENHANCE 21ST CENTURY COMPETENCIES Joko Sugiarto; Widjanarko; Moh. Imron Rosidi
Indonesian Journal of Education (INJOE) Vol. 4 No. 1 (2024): Indonesian Journal of Education (INJOE)
Publisher : CV. ADIBA AISHA AMIRA

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Abstract

Innovations in technology-based learning have become a key focus in the effort to improve 21st century competencies. This research examines the latest technological approaches in education and their impact on the development of critical skills needed in the digital era. The method used includes literature analysis. Results show that the integration of technologies such as artificial intelligence, virtual reality and adaptive learning has great potential in improving learners' problem-solving, creativity, collaboration and digital literacy. However, the research also identified challenges such as the digital divide and the need to improve educators' competencies. In conclusion, technology-based learning innovation requires a holistic and sustainable approach, involving all stakeholders to maximise its potential in preparing a generation ready for the challenges of the 21st century
Co-Authors Al-Amin Alam, Sitti Nur Erwin Joko Sugiarto Moh. Imron Rosidi Moh. Yamin Darsyah Noorsidi Aizuddin Mat Noor Sidderatul Akbar Sri Mulyono