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JESH: Journal of Economics, Social, and Humanities
Published by Universitas Muhammadiyah Purwokerto
ISSN : -     EISSN : 29884934     DOI : https://doi.org/10.30595/jesh
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Journal of Economics, Social, and Humanities is an academic journal reviewed with a peer review system that is published two issues annually in the months April and October. Articles published include articles in the socio-economic and humanities fields and are generally applicable to the academic world in the Indonesian social, economic and humanities fields. The contributions and fields studied in this journal are very broad, including fields of economics, business management, accounting, law, language and literature, culture, sociology, anthropology, politics, tourism, education, and entrepreneurship. Thus this journal in the present and in the future has a decisive contribution in its three main fields namely social, economic, and humanities.
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Articles 45 Documents
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Implementation of Smart Digital Finance in Promoting Digital Financial Inclusion and Risk Management Louisa, Cindy Jasty
Journal of Economics, Social, and Humanities Vol. 4 No. 1 (2026): JESH: Journal of Economics, Social, and Humanities
Publisher : Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/jesh.v4i1.463

Abstract

The development of digital finance has transformed financial systems in developing countries by enhancing efficiency, accessibility, and transparency, while simultaneously introducing new technological and institutional risks. This study analyzes the implementation of Smart Digital Finance in Indonesia and its role in promoting digital financial inclusion through the management of technological, trust, and security aspects. The study adopts a qualitative descriptive–analytical approach by systematically reviewing policy documents, institutional reports, and relevant academic literature. The findings indicate that the development of interoperable digital payment infrastructure, particularly through QR-based payment systems, has expanded public access to formal financial services, improved operational efficiency through the utilization of digital transaction data, and supported the integration of micro and small enterprises into the formal economic system. Nevertheless, cybersecurity risks, personal data protection issues, digital fraud, and public trust remain major challenges to the sustainability of the digital financial system. Therefore, this study emphasizes the importance of risk-sensitive regulation, strong consumer protection, secure digital identity systems, and effective institutional governance to ensure that Smart Digital Finance can promote inclusive economic growth and sustainable public financial governance in Indonesia.
Comparison of The Effectiveness of Biometric Security Technology, Encryption, Ai Fraud Detection Preventing Fraud on Online Loan Applicatons Rizqiani, Arinda Manar
Journal of Economics, Social, and Humanities Vol. 4 No. 1 (2026): JESH: Journal of Economics, Social, and Humanities
Publisher : Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/jesh.v4i1.464

Abstract

The rapid growth of online lending services (peer to peer lending) in Indonesia as part of the financial technology (fintech) ecosystem has increased financial inclusion, but at the same time accompanied by a high risk of digital fraud and the rise of illegal platforms. The characteristics of fully digital services, minimal face-to-face interaction, and reliance on remote verification make online loan applications very vulnerable to various forms of fraud, such as identity theft, account abuse, synthetic identity, and loan stacking. This study aims to assess and compare the effectiveness of biometric security technology, encryption, and AI fraud detection in preventing fraud in online loan applications. The research method used is a literature review with a comparative descriptive approach to scientific articles, regulatory reports, and relevant fintech industry publications. The results of the study show that there is no single security technology that is completely effective when applied alone. Biometric technology has proven to be effective in the early stages of authentication to prevent identity misuse, encryption serves as a security foundation in protecting data confidentiality and integrity, while AI fraud detection demonstrates the most comprehensive effectiveness in detecting and preventing complex and dynamic fraud patterns. This study concludes that a multi-layer security approach that combines biometrics, encryption, and AI fraud detection is the most optimal strategy to minimize fraud risk, maintain operational efficiency, improve user comfort, and strengthen the trust and sustainability of the online lending industry in Indonesia.
Determinants of Early Financial Reporting in Indonesia’s Financial Sector: The Role of RegTech and Institutional Type Lubis, M. Daffa Fahada; Putri, Andi Qur'ani Ratu Sabrina Arham
Journal of Economics, Social, and Humanities Vol. 4 No. 1 (2026): JESH: Journal of Economics, Social, and Humanities
Publisher : Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/jesh.v4i1.471

Abstract

This study examines the drivers of early financial reporting across Indonesia’s financial institutions. It highlights the influence of institutional type and technological adoption. While digital tools like RegTech are often promoted as solutions for timely compliance, our findings reveal that institutional characteristics, particularly being a financing institution, are far more decisive. Entities in the financing sector, not finance sector as a whole, are over 30 times more likely to report early with a probability increase of more than 50 percentage points compared to other sectors. In contrast, factors such as RegTech adoption, firm size, and IT infrastructure do not exhibit significant influence on reporting timeliness. These results suggest that organizational alignment with regulatory expectations and internal governance practices play a more critical role than digital maturity alone. Despite high levels of technology adoption, early reporting behavior remains uneven which shows reinforcing the notion that technology is not a standalone solution. The logistic regression model used in this study demonstrates strong predictive ability which emphasizes the importance of sectoral identity in shaping reporting outcomes. Policymakers are encouraged to move beyond one-size-fits-all digital mandates and instead develop targeted strategies that address the specific institutional contexts of financial entities
Algorithmic Vigilance: Implementasi Machine Learning dalam Screening Portofolio Investasi untuk Mendeteksi Manipulasi Saham (Studi Kasus PT. Asuransi Jiwasraya) Cavaliere, Prinody Kredo; Robbany, Alya Janitra; Safitri, Khusnul Dwi Nur
Journal of Economics, Social, and Humanities Vol. 4 No. 1 (2026): JESH: Journal of Economics, Social, and Humanities
Publisher : Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/jesh.v4i1.472

Abstract

The default case of PT Asuransi Jiwasraya reflects the weakness of investment supervision systems and risk management, particularly in detecting manipulative stocks. This study aims to implement algorithmic vigilance through machine learning to conduct early screening of investment portfolios. The method employed is a quantitative experimental approach with a case study of Jiwasraya using stock data from the Indonesia Stock Exchange for the period 2014–2019. The S.I.G.A.P (Smart Investment Governance & Analysis Protocol) model was developed based on Random Forest, integrating fundamental analysis, market anomalies, and corporate governance. Simulation results indicate that the model is capable of identifying high-risk stocks, such as MYRX and TRAM, prior to the occurrence of default. This research proves that machine learning is effective as a support tool for investment decision-making and for strengthening institutional risk management.
AL-AMIN (Algorithmic Learning and Automated Monitoring): Strategi Mitigasi Moral Hazard Fintech Syariah Melalui Integrasi API Point of Sales dalam Kerangka Triple Helix Fauzi, Rifki Hilman
Journal of Economics, Social, and Humanities Vol. 4 No. 1 (2026): JESH: Journal of Economics, Social, and Humanities
Publisher : Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/jesh.v4i1.473

Abstract

Pertumbuhan Islamic Fintech di Indonesia menghadapi paradoks fundamental: meskipun akses pembiayaan meluas, adopsi akad berbasis bagi hasil (Mudharabah) mengalami stagnasi akibat tingginya risiko pembiayaan. Akar permasalahannya adalah defisit kepercayaan (trust deficit) yang dipicu oleh asimetri informasi, di mana mitra UMKM memiliki peluang melakukan moral hazard melalui praktik double bookkeeping (pembukuan ganda) untuk memanipulasi laporan bagi hasil. Metode mitigasi konvensional terbukti inefisien dalam memvalidasi integritas laporan keuangan UMKM secara real-time. Penelitian ini bertujuan merekonstruksi model pengawasan fintech syariah menggunakan metode kualitatif deskriptif dengan pendekatan conceptual model building. Hasil penelitian merumuskan inovasi sistem AL-AMIN (Algorithmic Learning and Automated Monitoring). Sistem ini mengintegrasikan tiga lapisan teknologi pertahanan: (1) Integrasi API Point of Sales (POS) sebagai instrumen validasi arus kas digital (single source of truth); (2) AI Anomaly Detection yang berfungsi sebagai auditor cerdas untuk mendeteksi ketidakwajaran korelasi antara data stok inventori dan volume penjualan; serta (3) Smart Contract untuk otomasi distribusi bagi hasil. Keberlanjutan sistem diperkuat melalui kerangka Triple Helix, dimana OJK berperan dalam manajemen blacklist nasional dan DSN-MUI memberikan legitimasi sanksi syariah (taqsir). Implementasi AL-AMIN diharapkan mampu mentransformasi ekosistem fintech dari trust-based menjadi data-driven trust, mewujudkan iklim investasi yang transparan, aman, dan sesuai prinsip syariah.
Exploring Developing World’s Readiness to Adopt Society 5.0: Pakistan’s Case in Point Aamina Urooj
Journal of Economics, Social, and Humanities Vol. 3 No. 2 (2025): JESH: Journal of Economics, Social, and Humanities
Publisher : Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/jesh.v3i2.321

Abstract

 Society 5.0, advocates for a future in which technological advancement is guided by human-centered values. In simple terms it aims to create a super-smart society by integrating cyberspace and physical space with the aim of fostering a more inclusive, sustainable, and balanced society. originally envisioned in Japan, the Japanese government has been actively promoting it to address challenges like an aging population, economic stagnation and environmental concern. Some developed nations (e.g. Germany) have begun aligning their systems with similar vision. Although Pakistan, as a developing nation, remains at an early stage of digital transformation due to its unique socio-economic and infrastructural conditions, the article will explore Pakistan’s potential to adopt the principles of Society 5.0 by examining key challenges and opportunities across governance and broader socio-economic systems. Despite growing global interest in Society 5.0, existing literature largely focuses on advanced economies, leaving limited understanding of how developing countries like Pakistan might engage with this paradigm shift. Thus, employing a qualitative exploratory approach, this article assesses Pakistan’s readiness for Society 5.0.
The Mediating Role of Organizational Learning and Supply Chain Management Practices: Influence of Knowledge Management Capabilities on Organizational Performance Sinta Putri Anggraini
Journal of Economics, Social, and Humanities Vol. 3 No. 2 (2025): JESH: Journal of Economics, Social, and Humanities
Publisher : Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/jesh.v3i2.324

Abstract

The increasing complexity of business environments demands that organizations, especially MSMEs, develop their internal capabilities to remain competitive and sustainable. This study aims to analyze the effect of knowledge management capability on organizational performance, mediated by organizational learning and supply chain management practices. A quantitative approach was employed using Structural Equation Modeling (SEM), with data collected through questionnaires from 97 furniture MSME actors in Yogyakarta. The results show that knowledge management capability does not directly enhance organizational performance but has a positive effect through organizational learning as a mediator. In contrast, supply chain management practices do not have a positive impact on organizational performance, either directly or as a mediator. These findings highlight the importance of organizational learning in improving the performance of furniture MSMEs in Yogyakarta.
Government Budget: Good Governance and Human Capital for Poverty Alleviation in Central Java Agus Arifin; Rakhmat Priyono; Goro Binardjo
Journal of Economics, Social, and Humanities Vol. 3 No. 2 (2025): JESH: Journal of Economics, Social, and Humanities
Publisher : Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/jesh.v3i2.325

Abstract

Good governance can be reflected in an integrated and clean system, supported by adequate quality human resources in achieving organizational goals (government, private, etc.) effectively and efficiently. One of the main goals of successful development is to improve community welfare, one indicator of which is reduced poverty (SDG number 1). To realize this goal, government budget allocation is needed for poverty alleviation. This research aims to analyze good governance and the quality of human resources in managing the poverty alleviation budget. The research method used is multiple regression with poverty as the dependent variable. The independent variables representing the budget are local own-source revenue (LOSR), fiscal balance (FB), capital expenditure (CE), social aid (SA), while the independent variable representing the quality of human resources is the human development index (HDI). The results show that (1) from the budget side, LOSR, FB, and SA can reduce poverty, while CE has no effect; (2) from the quality of human resources, HDI HDI is not strong enough to influence poverty even though the direction of its influence is appropriate.. The implications are: (1) From the revenue side, LOSR and FB, can be important variables for poverty alleviation, but they must be managed with good, clean, and correct budgets; (2) From the expenditure side, only SA can be a variable for poverty alleviation, but its influence is very small, so it needs better management; (3) The human development index remains an important variable in proper budget management to address poverty, but it takes longer to develop higher quality and competent human resources.
Between Growth and Green: Rethinking the Politics of Decoupling in Emerging Economies Muhammad Qeyas
Journal of Economics, Social, and Humanities Vol. 3 No. 2 (2025): JESH: Journal of Economics, Social, and Humanities
Publisher : Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/jesh.v3i2.327

Abstract

With the rising environmental crisis, guided by growing economic interests, the notion of decoupling economic growth and environmental degradation has become a mainstream idea across the world. A sense of pressure is emerging in economies like Indonesia, which are compelled to grow by complying with sustainability goals, highlighting a profound need to re-evaluate whether decoupling is a viable and fair approach. This paper examines the political, structural, and institutional feasibility of absolute decoupling by conducting a comparison between policy frameworks in developed and emerging economies, such as Denmark, Sweden, China, and Indonesia. The study employs a qualitative comparative policy analysis and thematic review to discuss how green growth approaches, including the concepts of a circular economy and transitions to renewable energy, are converted into practice. The results indicate that while countries such as Denmark and Sweden has made notable progress, Indonesia continues to face structural barriers, policy incoherence, and budgetary constraints. The research indicates that the concept of decoupling, as it is presented, is possibly a type of ecological idealism that overlooks history, economics, and geopolitics in the Global South. It proposes a new understanding of prosperity, advocating an understanding of sustainability that has a justice orientation beyond GDP-oriented growth. Decoupling should move beyond a technical undertaking to a political initiative, one based on planetary boundaries, socio-economic fairness, and post-colonial political independence.
Effect of Information Technology on Organizational Performance at Yemeni Oil Exploration–Production Company Baligh Al Haj; Naelati Tubastuvi; Dheya Alhag Alsharabi
Journal of Economics, Social, and Humanities Vol. 3 No. 2 (2025): JESH: Journal of Economics, Social, and Humanities
Publisher : Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/jesh.v3i2.328

Abstract

This research paper examines the influence of six essential information technology factors; human resource capabilities, devices and equipment, communication networks, software applications, databases, and information security on organization performance in the Yemeni Oil Exploration and Production company, a situation that is characterized by political instability and limited resources. By using the constructs of perceived usefulness and perceived ease of use of the Theory of Technology Acceptance Model, a cross-sectional survey of 202 employees, who were selected using stratified-random sampling process, was conducted. Questionnaires collected the data and were thoroughly validated and analyzed based on a descriptive analysis, classical assumption test, and multiple regression. Results show that the strongest positive short-term predictors of operational efficiency, speed of decision-making, service quality, and financial results are communication networks (β  =  0.442, p < .001), databases (β  =  0.216, p < .001), and human resource skills (β  =  0.185, p < .001). There is also a positive contribution of software (β = 0.067, p<.01) and information security (β = 0.056, p<.05) and together they explain 68.6% of the variance in performance (Adjusted R²  =  0.686) Devices and equipment, on the contrary, showed a small negative influence (β  =  – 0.078, p < .05) which shows that mere acquisition them without proper planning might not be effective. Such findings highlight the importance of ensuring strong communication infrastructures and user-focused adoption projects within resource-poor, unstable environments and provides easily applied advice on IT investment and capacity-building projects in such environments.

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