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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 212 Documents
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The Sharing Economy and Its Impact on The Local Economy Olyvia Rosalia; Heliyani; Firayani
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/nfh06z09

Abstract

This study aims to analyze the impact of community participation in the sharing economy on local economic growth. The sharing economy, characterized by the rapid rise of digital platforms such as Gojek, Grab, Airbnb, and various other app-based services, has transformed the traditional economic landscape into a more collaborative and access-based system. This research adopts a quantitative approach with an associative method, involving 100 respondents who are users and providers of sharing economy services. Data were collected through closed-ended questionnaires and analyzed using simple linear regression to examine the relationship between the level of participation and indicators of local economic growth, such as increased income, job creation, and the involvement of MSMEs in the digital economy. The results show that participation in the sharing economy has a positive and significant impact on the local economy. In addition to being a source of supplementary income, the sharing economy also helps expand informal job opportunities and supports the digital transformation of small businesses. These findings provide a critical foundation for more inclusive and adaptive policymaking in response to digital economic developments and to promote community economic empowerment through technology adoption.
Green Economy: Opportunities and Challenges for the Industrial Sector Amid Climate Change Issues Loso Judijanto
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/bmm88c45

Abstract

This study aims to explore the understanding, challenges, and opportunities faced by the industrial sector in implementing the green economy concept amid climate change issues. Using a qualitative approach, this research investigates the experiences of large industries and MSMEs in transitioning toward a green economy, as well as its impact on production processes and competitiveness. The findings reveal a disparity in understanding between large enterprises and MSMEs, with larger companies generally being more prepared to adopt green technologies. In contrast, MSMEs tend to perceive this transition as a high-cost burden. The study also identifies key driving factors such as government regulations, market demands, and fiscal incentives that can accelerate green economy adoption. However, obstacles such as high investment costs, limited human resources, and policy uncertainty remain significant challenges. These findings highlight the importance of government support and cross-sector collaboration in accelerating a more inclusive transition toward a green economy.
Exploration of the social and economic impact of CSR programs in local communities: A Qualitative study Ilham Samanlangi; Olyvia Rosalia; Firayani
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/bzm01687

Abstract

Corporate Social Responsibility (CSR) programs play a crucial role in sustainable development, particularly in local communities affected by corporate operations. This study explores the social and economic impacts of PT Pertamina’s Reforestation and Greening Program as part of its CSR initiatives. Using a qualitative case study approach, this research collects data through in-depth interviews, field observations, and document analysis. The findings indicate that the program provides social benefits, including increased environmental awareness, active community participation in conservation efforts, and improved quality of life due to a greener environment. From an economic perspective, the program contributes to job creation, increased income through ecotourism and environmentally based businesses, and more sustainable local economic growth. However, challenges remain regarding funding sustainability, long-term community engagement, and risk mitigation of environmental degradation. Therefore, this study recommends a more sustainable CSR model, emphasizing collaboration between companies, the government, and local communities to ensure long-term benefits. These findings contribute to academic discussions and CSR practices, particularly in the context of environmental sustainability and economic empowerment of local communities.
Social and Economic Impact of Urban Migration: A Qualitative Study in Large Cities Godlif Sianipar; Olyvia Rosalia; Firayani
Nomico Vol. 2 No. 2 (2025): Nomico-March
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/9p6ntm39

Abstract

This research delves into the complexities surrounding the integration of migrants in Medan's urban environment, highlighting the obstacles they face in social adaptation, their contributions to the local economy, and the rising socio-economic frictions. The study indicates that cultural disparities, resistance from local populations, and the prevalent urban individualism impede smooth social integration. Migrants often retreat into informal networks as a coping mechanism against exclusion, which, while providing safety, also reinforces societal divisions. Economically, migrants significantly impact the informal sector, driving small-scale entrepreneurial activities, yet their progress is hindered by challenges such as inadequate financial resources, legal recognition, and insufficient social safeguards. Additionally, the competition for low-paying jobs between migrants and locals fuels tension, further entrenching economic disparities. These issues are aggravated by a lack of inclusive urban planning and policies. The study advocates for proactive policy measures aimed at fostering cross-cultural engagement, enhancing migrant business sustainability, and ensuring equal access to resources, infrastructure, and social protection to ensure a more inclusive and equitable urban future.    
The Future of The Workforce: Economic Structural Change in The Age of Automation and Al Olyvia Rosalia; Firayani; Arief Fahruri
Nomico Vol. 2 No. 2 (2025): Nomico-March
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/93q4fv44

Abstract

The development of technology, particularly in the fields of automation and artificial intelligence (AI), has led to significant structural changes in the global labor market and economy. This study aims to analyze the transformational impact of automation and AI on economic structures and their implications for the future of the workforce. Using a descriptive-qualitative approach and literature analysis along with secondary data, this research finds that the shift from a manufacturing-based economy to a digital and knowledge-based economy has caused disruptions to traditional jobs. Many routine jobs are now being replaced by technology, while demand for digital and analytical skills is rising sharply. The skills gap has become a major challenge, as much of the workforce is unprepared for the demands of the digital age. This study also highlights the importance of government policy, the role of businesses, and the education system in supporting reskilling and upskilling programs. The findings are expected to contribute to the formulation of adaptive strategies that respond to the changing economic structure in the era of automation and AI.
The Future of The Green Economy in Indonesia: Challenges and Opportunities in The Energy Transition Loso Judijanto; Pramudi Harsono; Olyvia Rosalia
Nomico Vol. 2 No. 3 (2025): Nomico - April
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/527bww87

Abstract

This study aims to analyze the challenges and opportunities in Indonesia's transition towards a green economy, with a focus on the shift from fossil fuel dependence to renewable energy. As a developing country with abundant natural resource potential, Indonesia faces significant challenges in reducing greenhouse gas emissions and achieving the Net Zero Emission target by 2060. The study finds that although Indonesia has significant renewable energy potential such as solar, wind, and geothermal energy the development of renewable energy infrastructure and technology remains limited. Additionally, resistance from the fossil fuel industry and energy distribution inequality across regions pose obstacles to the implementation of energy transition policies. However, this transition also offers new economic opportunities, including the creation of green jobs and the growth of the green technology sector. Collaboration among the government, private sector, society, and academia is needed to accelerate the transition towards a sustainable green economy.
Gold Price Surge: Peoples Investment Strategy in Economic Uncertainty Ummy Kalsum; Olyvia Rosalia
Nomico Vol. 2 No. 3 (2025): Nomico - April
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/23792h91

Abstract

This study aims to analyze community investment strategies in response to the surge in gold prices amid global economic uncertainty. Such uncertainty is characterized by high inflation, fluctuations in the rupiah exchange rate, and unstable international geopolitical conditions. Data were obtained through a survey of 130 respondents from various age groups and educational backgrounds in Indonesia. The research method used is quantitative, employing a descriptive approach and multiple linear regression analysis using SPSS. The findings indicate that the majority of the population chooses gold as their primary investment instrument due to its perception as a safe haven asset. Simultaneously, the variables of gold price, financial literacy, and economic risk perception have a significant influence on people's investment strategies. Among these three variables, gold price exerts the most dominant effect. Furthermore, financial literacy is found to play a crucial role in determining portfolio diversification, while risk perception is largely based on concerns about the economic future. These findings have important implications for policymakers in improving investor education and protection, especially in the digital era which increasingly facilitates access to both physical and digital gold investment instruments.
Islamic Bank Strategy in Facing Competition in The Era of Digitalization Didih Muhamad Sudi
Nomico Vol. 2 No. 3 (2025): Nomico - April
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/22szgy14

Abstract

Digital transformation has brought significant changes to the global banking industry, including for Islamic banks in Indonesia. This study aims to examine the strategies implemented by Islamic banks in responding to the increasingly intense competition in the digitalization era. The method used is qualitative research with a case study approach, involving in-depth interviews with managers and practitioners of Islamic banking. The findings indicate that Islamic banks adopt several key strategies, such as the digitalization of banking services, integration of Sharia principles into digital platforms, strengthening of technological infrastructure, and enhancement of human resource capacity. In addition, collaboration with fintech companies, customer education, and the development of products tailored to the needs of the younger generation are vital components of digital adaptation efforts. Despite facing infrastructure limitations and regulatory challenges, Islamic banks demonstrate potential for growth and competitiveness through innovative strategic approaches grounded in Sharia values. This study contributes to the development of relevant business strategies for Islamic banks in the digital transformation era and may serve as a reference for policymakers and stakeholders in the Islamic finance industry.
Analysis of The Influence of Fintech on The Adoption Rate of Digital Financial Services Olyvia Rosalia; Ahmad Junaidi
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/mehb1461

Abstract

This study aims to analyze the influence of financial technology (fintech) on the level of adoption of digital financial services among the Indonesian population. Using a quantitative approach and the Partial Least Square Structural Equation Modeling (PLS-SEM) method, this research examines the variables of ease of use, user trust, perceived usefulness, and system security on the adoption level of fintech services. Data were collected through questionnaires distributed to 150 fintech users across various regions. The analysis results show that all four variables have a significant influence on the adoption of digital financial services, with perceived usefulness being the dominant factor. Ease of use and trust also play important roles in shaping users’ decisions, while the security aspect serves as a supporting factor influencing user retention. These findings offer insights for fintech developers and regulators to improve service quality and accelerate digital financial inclusion. This study also highlights the importance of consumer education and protection in the era of digital financial transformation.
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.

Page 13 of 22 | Total Record : 212

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