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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 4 Documents
 1 
Search results for , issue "Vol. 3 No. 1 (2026): Nomico-February" : 4 Documents clear
Digital Consumer Literacy as a Determinant of Trust in Digital Economic Transactions Maharani, Leonita; Undartik, Sri; Aziz, Muhandis Difa'iy
Nomico Vol. 3 No. 1 (2026): Nomico-February
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/1v8eb315

Abstract

  This study examines the role of digital consumer literacy as a determinant of trust in digital economic transactions within the Indonesian context. The rapid expansion of the digital economy has increased reliance on online platforms, yet concerns regarding security, fraud, and data privacy continue to challenge consumer trust. Digital literacy is conceptualized as a cognitive and protective capability that enables consumers to evaluate information, understand digital risks, and engage safely in online transactions. This research employs a quantitative explanatory design using survey data collected from consumers who have conducted digital transactions in the past six months. Data were analyzed using Structural Equation Modeling (SEM) to assess the validity of constructs and to test the structural relationship between digital consumer literacy and trust. The findings indicate that digital consumer literacy has a positive and statistically significant effect on trust in digital economic transactions, with moderate explanatory power. Consumers with higher levels of digital literacy demonstrate stronger perceptions of platform integrity, security, and reliability. The discussion highlights that digital literacy reduces perceived risk and enhances confidence in digital systems. In conclusion, digital consumer literacy significantly contributes to the formation of trust and should be strengthened through integrated policy and educational strategies to support sustainable digital economic participation.
Analysis of the Relationship Between Labor Force Size and BPJS Ketenagakerjaan Participation: A Case Study of North Sumatra Province Sachsiyyah, Nazwa Izmi; Surbakti, Nadia Salsabila; Wardhani, Dinara Shabrina; Pasaribu, Jessica Catherine Oktavia
Nomico Vol. 3 No. 1 (2026): Nomico-February
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/y88vwh49

Abstract

Labor force growth is one of the important indicators in observing the dynamics of employment in a region. However, an increase in the labor force is not always accompanied by an increase in participation in social security programs, particularly Social Security Administrator for Employment (BPJS Ketenagakerjaan). This study aims to analyze the relationship between the labor force and the level of participation in Social Security Administrator for Employment (BPJS Employment) in North Sumatra Province from August 2022 to February 2025. The study uses a quantitative method with a correlational approach, utilizing official data from the Central Statistics Agency (BPS) and Satu Data Ministry of Manpower. The analysis was conducted using manual calculations and SPSS software through Pearson's correlation test. The results of the study show a correlation coefficient value of 0.3927, indicating a moderate positive relationship between labor force growth and an increase in the number of BPJS Ketenagakerjaan participants. These findings show that although an increase in the labor force tends to be followed by an increase in the number of BPJS Ketenagakerjaan participants, other factors beyond the size of the labor force also play a role in shaping participation rates, such as the composition of formal and informal workers, economic dynamics, labor policies, and the level of corporate compliance. This study emphasizes the importance of a more targeted strategy in increasing the coverage of employment social security so that it can cover all workers, especially informal sector workers, who are dominant in North Sumatra.
Economic Convergence Across Regions in the Era of Technological Disruption: A Dynamic Panel and Spatial Econometrics Approach Firayani, Firayani
Nomico Vol. 3 No. 1 (2026): Nomico-February
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/ewjrgt95

Abstract

Regional economic inequality remains a major challenge in many countries, particularly in the context of rapid technological disruption and digital transformation. The concept of regional economic convergence suggests that less developed regions may grow faster than advanced regions, thereby reducing disparities in income and productivity. However, recent evidence indicates that convergence processes are increasingly influenced by technological innovation, spatial spillovers, and structural regional differences. This study aims to analyze regional economic convergence in the era of technological disruption by applying dynamic panel and spatial econometric approaches to capture both temporal dynamics and spatial interactions among regions. This research employs a quantitative approach using secondary panel data on regional economic indicators, including gross regional domestic product per capita, digital economy development, infrastructure, and human capital. The analysis applies dynamic panel estimation using the Generalized Method of Moments (GMM) to identify β-convergence, followed by spatial econometric modeling to examine spatial spillover effects between regions. The results indicate that regional convergence occurs conditionally rather than absolutely, with technological innovation and digital economy development playing important roles in shaping regional growth dynamics. Spatial econometric results reveal significant spillover effects, indicating that technological development in one region can positively influence economic growth in neighboring regions. In conclusion, regional convergence in the era of technological disruption is strongly influenced by innovation spillovers and spatial interactions, highlighting the importance of dynamic panel and spatial econometric models in analyzing regional economic development patterns.
BMT Nu Sidey's Strategy in Realized UMKM Financing with Sharia Economic Principles al ishaqi, M. Afthon; Muhlis, Muhlis
Nomico Vol. 3 No. 1 (2026): Nomico-February
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/z71dsh20

Abstract

The development of Micro, Small and Medium Enterprises (MSMEs) has a strategic role in the growth of the community's economy. One of the financial institutions based on sharia concepts that plays a role in empowering and prospering MSMEs is Baitul Maal wat Tamwil (BMT). The aim of this research is to determine the application of the sharia economic principles in building and developing MSMEs in the BMT NU Sidayu area. The research method used is a qualitative approach with data collection techniques through observation, interviews and documentation. The research results show that the application of sharia economic principles at BMT NU Sidayu is able to increase access to capital, business assistance, and the welfare of MSME players. A fair, transparent and partnership-based financing system is the main factor in encouraging the development of MSMEs in the region.

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