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Nomico
Published by PT Anagata Sembagi Education
ISSN : -     EISSN : 30466318     DOI : https://doi.org/10.62872/apwm7d39
Core Subject : Economy,
Economics, Econometrics & Finance
The journal publishes original articles on current issues and trends occurring internationally in accounting, financial accounting, public sector accounting, auditing, economics, economics education, development economics, economic statistics, monetary economics, international economics, microeconomics, macroeconomics, econometrics, public economics, economic sociology.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekomomi dan Ekonometrika
Articles 7 Documents
 1 
Search results for , issue "Vol. 2 No. 4 (2025): Nomico - May" : 7 Documents clear
The Influence of Fintech on The Level of Credit Disbursement for MSMEs Fransiska Natalia Ralahallo; Eko Cayo mayndarto; Robby Tanod Mamusung
Nomico Vol. 2 No. 4 (2025): Nomico - May
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/98ft6t26

Abstract

This study aims to analyze the impact of financial technology (fintech) utilization on credit disbursement levels to Micro, Small, and Medium Enterprises (MSMEs). The background of this research lies in the limited access of MSMEs to formal financing, which is often constrained by collateral requirements, complex bureaucratic procedures, and a lack of credit information. Fintech emerges as a digital solution offering faster, simpler loan processes without the need for physical collateral. This study adopts a quantitative approach using a survey method, with data collected through questionnaires distributed to 100 MSME actors who utilize fintech services. The results of linear regression analysis indicate that fintech has a significant effect on increasing credit disbursement. In other words, the higher the utilization of fintech, the greater the opportunity for MSMEs to access financing. The study concludes that fintech plays an essential role in promoting financial inclusion; however, this must be supported by improved financial literacy and appropriate regulatory oversight to ensure its long-term benefits.
The Role Of Start-Ups In Driving Global Economic Growth Nurbina; Imaduddin; Ramlawati
Nomico Vol. 2 No. 4 (2025): Nomico - May
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/9vmh9n72

Abstract

This study aims to analyse the role of start-ups in driving global economic growth using a quantitative approach. Start-ups, as innovative business actors, are considered capable of increasing productivity, creating new employment opportunities, and accelerating the adoption of digital technology, all of which have a positive impact on national economies. The research also examines the role of venture capital as a crucial funding source that supports the development of start-ups, as well as the influence of digitalisation as a key driver in market expansion and operational efficiency. Moreover, this study explores the differences in start-up contributions between developed and developing countries, which are influenced by infrastructure, policy frameworks, and the quality of human resources. The findings reveal that a supportive ecosystem—such as government policies and the availability of capital—is essential to maximise the contribution of start-ups towards inclusive and sustainable economic growth. This research provides strategic recommendations for policymakers to strengthen the start-up ecosystem in order to face global economic competition.
Green Economy Model Based on Islamic Boarding Schools: A Study of Waste Bank Management at the Blokagung Darussalam Islamic Boarding School, Banyuwangi Fadlan Al-Ahmad Rausyan Fikri; Khoirunnisa Musari; Abdul Wadud
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 Yunike Berry; Sri Lestari Hendrayati
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 Rahmat Hidayat; Anggia Faradina
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 Alexander Sampeliling; Abdul Rauf; Doddy Adhimursandi
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.

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