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INDONESIA
INTERNATIONAL JOURNAL OF SOCIETY REVIEWS (INJOSER)
Published by CV. Adiba Aisha Amira
ISSN : -     EISSN : 3030802X     DOI : -
Core Subject : Religion, Humanities, Social,
Religion Humanities Social Sciences
INTERNATIONAL JOURNAL OF SOCIETY REVIEWS (INJOSER) is a scientific journal that publishes articles in the fields of humanity, social science. Humanities include: Language and Linguistics, History, Literature, Performing Arts, Philosophy, Religion, Fine Arts. Social Science fields of Science include: Economics, politics, Anthropology, Sociology, Psychology, Geography, Cultural and Ethical Studies, Gender and Sexuality Studies, Area Studies, Archeology, and other related fields.
Arjuna Subject : Ilmu Sosial - Ilmu Sosial (Lain-Lain)
Articles 571 Documents
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HYBRID WORK IN EMERGING ECONOMIES: A PRISMA-GUIDED REVIEW OF HRM PRACTICES AND PERFORMANCE IMPACTS Mochammad Isa Anshori; Siti Nur Eliza Rahmawati
INTERNATIONAL JOURNAL OF SOCIETY REVIEWS Vol. 2 No. 11 (2025)
Publisher : Adisam Publisher

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Abstract

This study aims to examine Human Resource Management (HRM) practices in the context of hybrid work in developing countries and their impact on organizational performance and innovation. Using a literature review guided by the Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) protocol, this study identified, filtered, and analyzed relevant literature related to the implementation of hybrid work. The results indicate that hybrid work offers strategic opportunities for increasing flexibility, productivity, and work-life balance, but also poses challenges in terms of coordination, performance management, and employee well-being. HRM plays a crucial role in designing adaptive policies, creating relevant performance-based evaluation systems, and building an inclusive work culture. These findings confirm that the successful implementation of hybrid work in developing countries is heavily influenced by technological readiness, leadership quality, and HRM policies that are responsive to the dynamics of the modern work environment. This study provides a theoretical contribution by enriching the literature on HRM practices in the hybrid work era, while also offering practical implications for organizations in developing countries in formulating sustainable HR management strategies.
TAX POLICY ON DIGITAL FINANCIAL SERVICES: REGULATORY ANALYSIS AND ITS IMPACT ON THE FINTECH ECOSYSTEM IN INDONESIA Dwi Koerniawati; Al-Amin
INTERNATIONAL JOURNAL OF SOCIETY REVIEWS Vol. 2 No. 11 (2025)
Publisher : Adisam Publisher

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Abstract

This study aims to analyse the tax policies applied to digital financial services in Indonesia and their impact on the rapidly growing fintech ecosystem. Digital financial services have brought about significant transformations in financial inclusion and innovation, but they have also created new tax regulatory challenges that the government must adapt to. This study uses a qualitative approach with literature analysis. The results of the analysis show that although digital tax policies have succeeded in providing legal certainty and increasing state revenue, these policies also have an impact on increasing fintech operational costs, which affects innovation and financial inclusion. Therefore, balanced and adaptive policies are needed to support the sustainable growth of the fintech ecosystem and optimise fiscal contributions to the state.
ANALYSIS OF TAX POLICY AND REGULATION ON FINTECH SERVICES IN INDONESIA: IMPACT ON INNOVATION AND THE DIGITAL ECOSYSTEM Fittry Megasari Sijabat
INTERNATIONAL JOURNAL OF SOCIETY REVIEWS Vol. 2 No. 11 (2025)
Publisher : Adisam Publisher

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Abstract

The rapid development of the financial technology (fintech) industry in Indonesia has had a significant impact on the transformation of digital financial services. However, this growth has also given rise to an urgent need for balanced tax and regulatory policies to ensure innovation and the sustainability of the digital ecosystem. This study aims to analyse the influence of tax and regulatory policies on fintech service innovation and its impact on the digital ecosystem in Indonesia. The method used is a literature review with a content analysis approach to various regulatory documents, official reports, and academic literature related to fintech taxation and regulation. The results show that overly burdensome tax policies can hinder innovation, while adaptive regulations, such as the implementation of regulatory sandboxes, can promote the healthy and inclusive growth of fintech services. Therefore, a balance between fiscal and regulatory aspects and synergy among stakeholders are key to the successful development of a competitive and sustainable fintech industry in Indonesia.
TECHNOLOGICAL INNOVATION IN FINTECH SECTOR TAXATION: STRATEGY, IMPLEMENTATION, AND CHALLENGES Fittry Megasari Sijabat
INTERNATIONAL JOURNAL OF SOCIETY REVIEWS Vol. 2 No. 11 (2025)
Publisher : Adisam Publisher

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Abstract

The rapid development of the financial technology (fintech) sector demands technological innovation in the taxation system to improve the effectiveness of tax administration and compliance. This study aims to examine the strategies and implementation of technological innovation in fintech sector taxation and identify the challenges faced in its application in Indonesia. The method used is a literature review with descriptive-qualitative analysis of literature, regulations, and official publications related to taxation and fintech. The results show that the main innovation strategies include electronic data integration, the use of big data analytics, blockchain, and artificial intelligence to improve transparency and automation in taxation. The implementation of tax technology needs to be supported by adaptive regulations, adequate digital infrastructure, cross-agency collaboration, and strengthening human resource capacity. Despite its great potential, there are significant challenges in the form of regulatory barriers, infrastructure limitations, data security risks, and socio-economic resistance, especially from small and medium-sized businesses. This study recommends an integrated approach in the form of strengthening digital and tax literacy, incentives for innovative fintech players, and international cooperation to support effective and inclusive digital tax management. Thus, technological innovation in fintech taxation can drive an increase in state revenue while creating a sustainable digital financial ecosystem in Indonesia.
COLLABORATION BETWEEN REGULATORS AND THE COMMUNITY IN LAND ECONOMIC REFORM: A POLICY STUDY BASED ON REAL NEEDS Yustinus Lambang Setyo Putro; Siti Nur Azizah; Gunawan Widjaja; Dyah Ersita Yustanti
INTERNATIONAL JOURNAL OF SOCIETY REVIEWS Vol. 2 No. 11 (2025)
Publisher : Adisam Publisher

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Abstract

This study discusses collaboration between regulators and the community in the context of land economic reform using a real needs-based policy approach. The emergence of various agrarian conflicts in Indonesia shows that top-down land policies tend to be ineffective because they do not pay sufficient attention to the aspirations and real needs of the community. Through a literature review, this study examines the dynamics of the regulator-community relationship, identifies factors contributing to the success and obstacles to collaboration, and emphasises the urgency of active community participation in policy formulation. The results of the discussion show that collaboration not only strengthens the legitimacy of policies but also creates solutions that are more inclusive, transparent, and adaptive to social realities. In addition, policies based on real needs have proven to be more conducive to achieving certainty of rights, fair land redistribution, and the strengthening of agrarian justice. Thus, the integration of collaboration and a real needs approach is an important foundation for promoting sustainable land economic reform in Indonesia.
ANALYSIS OF THE EFFECT OF FLOATING SOLAR PANEL DISTANCE ON WATER AS A PASSIVE COOLING SYSTEM Taufiq Hidayat; Joko Setiyono
INTERNATIONAL JOURNAL OF SOCIETY REVIEWS Vol. 2 No. 11 (2025)
Publisher : Adisam Publisher

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Abstract

Solar panels are devices that convert solar energy into electrical energy, with performance being highly sensitive to operational temperature. An increase in panel surface temperature can significantly reduce energy conversion efficiency. One promising method to mitigate this thermal degradation is the utilization of passive cooling through the water body in a floating solar panel (FPV) system. This study aims to empirically analyze the effect of varying the vertical distance between a floating solar panel and the water surface (10 cm, 20 cm, and 30 cm) on the system's output power and overall efficiency. Furthermore, it compares the performance of series and parallel circuit configurations under these conditions. The research was conducted through direct field testing using a 200Wp monocrystalline solar panel mounted on an adjustable floating platform. Key parameters, including solar intensity, panel temperature, ambient temperature, voltage, and current, were measured every 10 minutes from 09:00 to 15:00 WIB under clear weather conditions. The collected data were used to calculate input power (Pin​), output power (Pout​), and system efficiency (η). The results revealed that the 10 cm distance, despite yielding a lower average output power of 4.04 W, achieved the highest average efficiency of 2.68% in the parallel configuration. This indicates that the passive cooling effect is most pronounced at closer proximity, enhancing the energy conversion rate even if total solar irradiance is slightly reduced. In contrast, the 20 cm and 30 cm distances produced higher average power (4.65 W and 4.76 W, respectively) but with lower efficiencies (2.60% and 2.38%). The parallel configuration generally provided more stable performance, which is advantageous in the dynamic FPV environment.
DATA PRIVACY POLICY IN THE DIGITAL AGE: IMPLICATIONS, IMPLEMENTATION, AND IMPACT ON USERS Gunawan Widjaja
INTERNATIONAL JOURNAL OF SOCIETY REVIEWS Vol. 2 No. 11 (2025)
Publisher : Adisam Publisher

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Abstract

The development of digital technology has brought significant changes in the management of personal information, making data privacy policies a crucial issue in the modern era. This study aims to analyse the implications, implementation, and impact of data privacy policies on users, emphasising the global and national contexts, particularly after the enactment of the Personal Data Protection Law (PDP Law) in Indonesia. The research approach used is descriptive qualitative with literature analysis. The results show that data privacy policies have broad implications, including strengthening fundamental individual rights, increasing corporate transparency, and creating new data security standards. However, their implementation faces challenges in the form of low digital literacy among the public, high compliance costs for companies, and potential user resistance to the complexity of the policies. The impact on users is twofold: on the one hand, it provides legal protection and a sense of security, but on the other hand, it creates a dilemma regarding ease of use and limited access to services. Therefore, the success of privacy policies requires synergy between adaptive regulations, digital corporate compliance, and increased digital literacy among the public in order to create a digital ecosystem that is secure, transparent, and fair.
CURRENT THREATS TO CYBER SECURITY: STRATEGIES FOR PROTECTING PERSONAL DATA IN THE DIGITAL AGE Gunawan Widjaja
INTERNATIONAL JOURNAL OF SOCIETY REVIEWS Vol. 2 No. 11 (2025)
Publisher : Adisam Publisher

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Abstract

The development of digital technology has brought convenience to various aspects of life, but on the other hand, it has also given rise to increasingly complex cyber security threats. Personal data is now a prime target for attacks because it has high economic value and can be exploited for illegal purposes. The latest threats include phishing, malware, ransomware, data leaks, attacks on Internet of Things devices, and digital manipulation using deepfake technology. The complexity of these threats not only harms individuals, but also impacts organisational security, social stability, and public trust in the digital ecosystem. Therefore, personal data protection strategies are crucial in facing the ever-evolving dynamics of cyber attacks. Effective strategies for protecting personal data include the use of two-factor authentication, data encryption, regular system updates, and the use of artificial intelligence for early threat detection. In addition, improving public digital literacy plays a central role in preventing social manipulation, while legal regulations such as the Personal Data Protection Act are an important foundation for upholding individual privacy rights. With a combination of technology, regulation, and digital awareness, personal data security can be strengthened so that the risk of cyber threats can be minimised. This study provides a comprehensive overview of current threats and offers adaptive mitigation strategies in the digital age.
EVALUATION OF THE TRANSPARENCY OF LEGAL ONLINE LENDING PLATFORMS IN TERMS OF COSTS: A LITERATURE REVIEW OF INTEREST RATES, TERMS, AND PENALTIES Gunawan Widjaja
INTERNATIONAL JOURNAL OF SOCIETY REVIEWS Vol. 2 No. 11 (2025)
Publisher : Adisam Publisher

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Abstract

The development of legal online lending services in Indonesia has opened up quick and easy access to financing for the public, but on the other hand, it has raised challenges related to the transparency of loan cost information. This study aims to evaluate the transparency of the main cost components on legal online lending platforms, which include interest rates, loan terms, and late fees through a literature review and analysis of current regulations. The results of the study show that although the regulations of the Financial Services Authority (OJK) and the guidelines of the Indonesian Joint Funding Fintech Association (AFPI) set limits and disclosure obligations, implementation in the field is still varied and not yet fully transparent to consumers. The lack of information transparency has the potential to pose financial risks to borrowers and affect public trust in legal online lending services. This study recommends strengthening regulations, supervision, and consumer education as strategic steps to improve transparency and consumer protection in the fintech lending ecosystem in Indonesia.
TRANSPARENCY OF ONLINE LOAN INFORMATION: ANALYSIS OF DISCLOSURE OF INTEREST RATES, TERMS, ADDITIONAL FEES, AND LATE PAYMENT PENALTIES Gunawan Widjaja
INTERNATIONAL JOURNAL OF SOCIETY REVIEWS Vol. 2 No. 11 (2025)
Publisher : Adisam Publisher

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Abstract

This study aims to analyse the level of information transparency in online loan applications in Indonesia, focusing on four main aspects, namely interest rate disclosure, loan terms, additional costs, and late payment penalties. The background to this study stems from the phenomenon of the proliferation of online loan services that offer easy access to financing, but are often accompanied by significant risks due to the lack of clear and easily understandable information for consumers. The method used is descriptive qualitative with a content analysis approach, where primary data is obtained through direct review of official and unofficial online loan applications, while secondary data is collected from academic literature, regulatory reports, and related publications. The results of the study show that most online loan applications still do not fully comply with the principle of information disclosure. Interest rates are often displayed only on a daily basis, obscuring the effective annual interest rate, the term is not always disclosed in detail from the outset, additional costs often appear in the form of hidden deductions, and late fees are rarely clearly explained with a transparent calculation mechanism. This situation not only has the potential to harm consumers financially, but also has an impact on psychological aspects and reduces the level of trust in the fintech lending industry as a whole. The implications of this study emphasise the importance of the active involvement of three main parties, namely online loan providers, regulators, and consumers. Service providers are expected to increase transparency with clear and uniform information standards; regulators such as the OJK and AFPI need to tighten supervision and set disclosure standards based on the Annual Percentage Rate (APR); while consumers need to continue to improve their financial literacy in order to be able to critically assess risks. With this synergy, it is hoped that online lending services can develop in a healthier, fairer, and more sustainable manner in supporting financial inclusion in Indonesia.

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