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Nomico
Published by PT Anagata Sembagi Education
ISSN : -     EISSN : 30466318     DOI : https://doi.org/10.62872/9b067153
Core Subject : Economy, Education,
Economics, Econometrics & Finance Education
Nomico is a peer-reviewed open access international journal with the aim of disseminating the results of research, study, and development in the economic and finance, particularly in the fields of (1) accounting, (2) management, (3) capital markets, (4) business law, (5) taxation, (6) information systems, as well as other areas of economics and finance
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekomomi dan Ekonometrika
Articles 159 Documents
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Women's Experiences in Managing Small Businesses in The Digital Age: a Narrative Approach Yuliastuti, Hilda; Rosalia, Olyvia
Nomico Vol. 2 No. 3 (2025): Nomico - April
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/6p7wpx74

Abstract

This study explores women's experiences in managing small businesses in the digital age using a narrative approach. By collecting in-depth stories from female entrepreneurs, the research highlights how digital technologies such as social media, e-commerce platforms, and digital business tools have transformed the way women operate and grow their businesses. The findings reveal that digitalization has opened up new market opportunities, enhanced business efficiency, and empowered women to innovate and assert greater autonomy in their entrepreneurial roles. However, challenges such as digital literacy gaps, limited financial resources, and socio-cultural constraints remain prevalent. Despite these barriers, many women demonstrate resilience and adaptability, especially when supported by family, community networks, and access to digital training. The study underscores the importance of integrating digital support systems into entrepreneurship development programs to foster inclusive economic empowerment. Overall, digitalization emerges not only as a technical tool but also as a strategic means to advance gender equality in the economic sector.
Socio-Economic Impact of Government Digitization Programs: A Citizen's Perspective Rosalia, Olyvia; Firayani; Zulham, Zulham
Nomico Vol. 2 No. 2 (2025): Nomico-March
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/7kza1c11

Abstract

This study aims to explore the socio-economic impact of digitalization programs implemented by the government, focusing on citizens' perspectives. The research examines the extent to which the digitalization of public services such as e-ID (e-KTP), e-tax, and e-health has improved efficiency, transparency, and accessibility. The method used is a survey involving respondents from various regions, combining quantitative and qualitative analysis to explore public perceptions, adoption, and challenges. The findings show that although digitalization offers convenience for the majority of citizens, there remains a gap in access, especially among those with low digital literacy and residents in remote areas. Moreover, concerns about data privacy and security persist, particularly among vulnerable populations who lack adequate understanding of their rights and protections in the digital sphere. Respondents also expressed differing levels of satisfaction depending on their previous exposure to technology and the quality of local infrastructure. While urban populations generally report smoother adoption and more positive experiences, rural communities often face difficulties due to unstable internet connections and limited assistance in using digital platforms. This disparity underscores the need for targeted interventions, such as community-based training programs and the development of offline-compatible systems. Overall, this study provides evidence that while digitalization holds significant promise for enhancing public service delivery, its success hinges on the government's ability to ensure equitable access, foster public trust, and build digital capacity across all demographics.
Green Economy Model Based on Islamic Boarding Schools: A Study of Waste Bank Management at the Blokagung Darussalam Islamic Boarding School, Banyuwangi Fikri, Fadlan Al-Ahmad Rausyan; Musari, Khoirunnisa; Wadud, Abdul
Nomico Vol. 2 No. 4 (2025): Nomico - May
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/7hwzaw33

Abstract

The waste problem is a national-level issue, affecting all layers of society. Handling, managing, and utilizing waste must be continuously pursued to minimize the emergence of other problems. For this reason, green economy is one of the appropriate solutions to address waste problems. This is based on its five principles: sustainability, welfare, justice, planetary boundaries, and inclusivity. With these principles, green economy does not exploitatively eliminate waste without processing it, but instead, waste is processed, reused, and empowered to have economic value. With the Green Economy Index released by the National Development Planning Agency (Bappenas/PPN), it is expected that green economy can be realized in all environments, including in Islamic boarding schools. Through the empowerment of waste banks at Darussalam Islamic Boarding School in this study, it is expected that other Islamic boarding schools can also apply good waste management models and implement green economy in their environment. This study aims to deeply examine the green economy model in Islamic boarding schools through waste bank programs. This study uses a qualitative approach, conducting direct observations at Darussalam Islamic Boarding School. The results show a good potential for applying green economy in Islamic boarding schools through waste banks and waste management. This also indicates that the scope of green economy is not limited to specific conditions or regions. The key aspect of successful green economy implementation is direct action, not just rhetoric. The obstacles found in this study are the lack of awareness among students in maintaining environmental cleanliness and many students still rely on others for waste management and waste banks.
Financial Inclusion in The Fintech Era: Reaching Underserved Communities Berry, Yunike; Hendrayati, Sri Lestari
Nomico Vol. 2 No. 4 (2025): Nomico - May
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/abvg4m31

Abstract

This study aims to dissect the impact of financial technology (fintech) in broadening financial inclusion across Indonesia, particularly focusing on reaching populations traditionally excluded from conventional banking services. Employing a quantitative research design, data was gathered via surveys from 200 respondents representing diverse societal segments, especially those residing in regions with limited banking access. The findings reveal that fintech exerts a significant positive influence by expanding financial access through user-friendly platforms, expedited processes, and lower costs relative to traditional banking options. Nevertheless, challenges remain, notably the persistent gaps in both financial and digital literacy, which hinder the full adoption of fintech solutions. Additionally, uneven technological infrastructure and public skepticism regarding fintech service security pose substantial barriers. To address these issues, the study advocates for enhanced financial education, the advancement of digital infrastructure, and the strengthening of regulatory frameworks to foster broader and sustainable financial inclusion.
Analysis of The Influence of Fintech on The Adoption Rate of Digital Financial Services Hidayat, Rahmat; Faradina, Anggia
Nomico Vol. 2 No. 4 (2025): Nomico - May
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/tcpb1z31

Abstract

This study aims to analyze the impact of fintech on the adoption rate of digital financial services in Indonesia. In recent years, the development of financial technology (fintech) has brought significant changes to the financial system, particularly in terms of accessibility, efficiency, and convenience of financial services for the public. This research employs a quantitative approach using a survey method involving several respondents who are users of fintech services, and the data were analyzed using SPSS software to examine the relationships between variables. The findings reveal that ease of use, trust in the platform, and service innovation have a significant and positive influence on the adoption rate of digital financial services. On the other hand, cost efficiency is not a primary factor, although it still contributes to users' decision-making. Financial and digital literacy also support adoption, although they are not dominant variables. The study concludes that to enhance the widespread adoption of fintech, an integrated effort is needed through education, improved system security, and the development of features tailored to local needs. These findings are expected to serve as input for fintech developers, regulators, and other stakeholders in building an inclusive and sustainable digital financial ecosystem.
Smart Marketing, A Growing Economy: an Analysis of The Role of Marketing Innovation in the 4.0 era Sampeliling, Alexander; Rauf, Abdul; Adhimursandi, Doddy
Nomico Vol. 2 No. 4 (2025): Nomico - May
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/j3eeb106

Abstract

In the era of Industry 4.0, marketing innovation has become a crucial factor for business sustainability and economic acceleration, especially for Micro, Small, and Medium Enterprises (MSMEs). This study aims to analyze the role of marketing innovation in driving business growth and contributing to economic development. Using a quantitative approach with survey data from selected MSMEs, the research applied statistical analysis through SPSS to examine the relationship between marketing innovation and business performance indicators such as sales growth, customer loyalty, and market expansion. The findings reveal that digital marketing tools, such as social media platforms, e-commerce integration, and personalized content, significantly enhance business outcomes. However, challenges such as low digital literacy, financial constraints, and limited access to technology remain critical barriers to wider adoption. The study concludes that marketing innovation not only improves individual business competitiveness but also has the potential to boost economic vitality. Policy recommendations include strengthening digital training programs and infrastructure to support innovation among MSMEs.
Madrasah Strategy in Strengthening Digital Literacy Skills for Students of MTSN 1 Pidie Jaya Nurlina; Dhiauddin; Saifuddin
Nomico Vol. 2 No. 4 (2025): Nomico - May
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/3sgfv067

Abstract

The main problem faced in literacy among students is low interest in reading, which is triggered by limited access to interesting books, distractions from social media, and less motivating teaching methods. In addition, writing and speaking skills are also obstacles, because many students have difficulty in developing these skills due to lack of practice, minimal understanding of grammar, and limited support. This study aims to explore the strategies implemented by MTsN 1 Pidie Jaya in supporting digital literacy, including the integration of digital literacy into the curriculum and digital literacy development programs for students. The research method used is qualitative with data collection techniques through observation, interviews, and document analysis. The results of the study show that MTsN 1 Pidie Jaya has succeeded in improving students' digital literacy through a strategy of integrating technology into the curriculum, providing access to devices, and teacher training that focuses on cybersecurity, digital ethics, and practical skills. This school is committed to continuing to improve students' digital literacy through interactive training programs and learning innovations, while addressing infrastructure and access challenges through effective collaboration. In addition, MTsN 1 Pidie Jaya also implements various effective programs to improve students' digital literacy, including special training, project-based learning approaches, gamification, and continuous evaluation.
From Village to World: MSME Transformation Through Digital Platforms in Indonesia Juniarmi, Intan
Nomico Vol. 1 No. 2 (2024): Nomico-March
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/3peaxj92

Abstract

This article discusses the transformation of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia through the use of digital platforms. With increasing internet access and the use of information technology, MSMEs can expand their market reach from local to global scale. This study analyzes various strategies adopted by MSMEs to adapt to digitalization, as well as the challenges faced, such as limited resources and digital literacy. The results of the study show that MSMEs that successfully carry out digital transformation not only increase their competitiveness but also contribute to national economic growth. By utilizing e-commerce, social media, and other digital platforms, MSMEs are able to create innovations and strengthen social networks that support the sustainability of their businesses. This article is expected to provide insights for stakeholders in formulating policies that support the digital transformation of MSMEs in Indonesia.
Influencer Marketing: A New Strategy in Marketing Local Products in Indonesia Faradina, Anggia
Nomico Vol. 1 No. 2 (2024): Nomico-March
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/4x1ptc57

Abstract

This article discusses the influence and strategies of influencer marketing in promoting local products in Indonesia. With the increasing use of social media, influencers have become an effective marketing tool to reach a wider consumer base. This study analyzes the various approaches taken by local brands in collaborating with influencers, as well as their impact on brand awareness and consumer purchasing behavior. Through case studies and surveys involving small and medium enterprises (SMEs), it was found that influencer marketing not only increases product visibility but also builds consumer trust in local brands. The results of the study show that brands that collaborate with influencers who have relevant audiences can achieve higher engagement rates. This article provides recommendations for SMEs to utilize this strategy in developing competitiveness in an increasingly competitive market.
From Hype to Reality: Exploring the Economic Impact of Cryptocurrency in the Archipelago Firayani
Nomico Vol. 1 No. 2 (2024): Nomico-March
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/qyktjg69

Abstract

This article examines the economic impact of cryptocurrency in the archipelago, focusing on shifting perceptions from hype to reality. Through a qualitative approach, the study uses in-depth interviews and content analysis from social media platforms to explore the views of the public, investors, and stakeholders on cryptocurrency. The findings suggest that despite significant investment potential and innovation opportunities, challenges such as unclear regulation, market volatility, and security risks remain major barriers to widespread adoption of cryptocurrency in Indonesia. The article suggests the need for more comprehensive policies and public education to maximize the economic benefits of this technology and mitigate its risks.

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