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INDONESIA
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Published by CV. Adiba Aisha Amira
ISSN : -     EISSN : 30633648     DOI : Zenodo
Core Subject : Economy,
Economics, Econometrics & Finance
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE) is a scientific journal that publishes articles in the field of Business and finance that contain conceptual ideas in the fields of Economics, Accounting, Management, Business and finance. The scope is Human Resource Management, Marketing Management, Financial Management, Production/Operational Management, Strategic Management, Islamic Business Management, Halal Industry Management, Hajj and Umrah Management, Zakat and Waqf Management / Islamic Philanthropy, Tourism Management, Banking Management, Industrial Management, Agribusiness Management, Business Administration and financial management within the scope of organisations both banking, hospitality, and others.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 474 Documents
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A LEGAL ANALYSIS AND SOCIO-ECONOMIC IMPACT OF ONLINE LENDING (FINTECH LENDING) IN INDONESIA: A LITERATURE REVIEW Gunawan Widjaja
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 3 No. 1 (2026): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.21128536

Abstract

The development of financial technology in Indonesia, particularly information technology-based financing services (fintech lending), has experienced exponential growth but has also brought about serious consequences regarding legal aspects and socio-economic impacts. This study aims to analyse the effectiveness of fintech lending regulations in protecting consumers and to identify the positive and negative socio-economic impacts of online lending practices in Indonesia. The research method employed a literature review using a normative and conceptual approach. The findings indicate that although Indonesia has a comprehensive legal framework comprising the Consumer Protection Act, the Personal Data Protection Act, and OJK regulations relating to fintech lending, implementation and enforcement still face serious challenges, particularly in the enforcement of laws against illegal fintech operations, the protection of personal data, and unethical debt collection practices. From a socio-economic perspective, fintech lending has positive impacts in the form of increased financial inclusion and access to finance for MSMEs, but it also gives rise to significant negative impacts such as over-indebtedness, debt traps, psychological pressure, reduced productivity, social stigma, and even the risk of mental health issues and suicide. The gap between the objectives of financial inclusion and the reality on the ground is clearly evident in the dominance of consumer finance over productive finance, as well as the surge in cases of illegal online lending, which continues to rise despite tighter regulations. This study recommends strengthening coordination between regulatory bodies, more rigorous law enforcement against illegal fintech, improving public financial and legal literacy, and strict oversight of personal data protection so that fintech lending can function as a means of economic empowerment without compromising legal certainty and social welfare.
A LEGAL REVIEW OF GOVERNMENT REGULATION NO. 34 OF 2019 ON BORDER TRADE IN RELATION TO LEGAL PROTECTION FOR INDONESIA’S BORDER COMMUNITIES Irma Rachmawati Maruf; Karman
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 3 No. 1 (2026): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.21128560

Abstract

Indonesia’s border regions require clear legal regulations to ensure certainty and protection for the communities living in these areas. This study aims to critically analyse Government Regulation No. 34 of 2019 on Border Trade in the context of legal protection for Indonesia’s border communities. The research method employs a normative legal approach, utilising legislative and conceptual analyses. The findings indicate that Government Regulation No. 34 of 2019 has provided a comprehensive regulatory framework establishing the legal subjects, locations, administrative requirements, types of goods, and transaction values for border trade. This regulation provides preventive legal protection by affirming the rights of border communities to engage in trade, establishing official border crossing routes, and regulating immigration and customs documentation—which are prerequisites for the legality of economic activities. However, the effectiveness of this legal protection remains limited, as the implementation of the regulation on the ground faces challenges such as inter-agency coordination issues, resource constraints, and poor public access to public services. This study recommends the need for a holistic and synergistic approach involving central and local governments, the enhancement of border infrastructure capacity, legal awareness programmes for the community, and a shift in policy orientation from security to the fulfilment of constitutional rights and the welfare of border communities.
THE EFFECTIVENESS OF FIXED ASSET MANAGEMENT IN SUPPORTING ORGANIZATIONAL PERFORMANCE: EVIDENCE FROM THE REGIONAL SECRETARIAT OF KENDARI CITY Muh. Rijal; Muhammad Yusuf; Sarinah
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 3 No. 1 (2026): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.21128588

Abstract

This study aims to analyze the effectiveness of fixed asset management in supporting organizational performance at the Regional Secretariat of Kendari City. The study employed a qualitative approach using a descriptive method. Data were collected through observation, interviews, and documentation studies involving informants selected through purposive sampling, namely the Asset Manager of the Regional Secretariat of Kendari City and staff responsible for regional asset management. Data analysis was conducted through the stages of data collection, data reduction, data display, and conclusion drawing. The results indicate that fixed asset management at the Regional Secretariat of Kendari City has been implemented through eight stages: asset needs planning, asset procurement, asset inventory, asset legal audit, asset valuation, asset maintenance, asset disposal, and asset transfer. Overall, the implementation of fixed asset management has been carried out effectively and in accordance with applicable regulations and procedures, referring to the asset management theory proposed by Gima A. Sugiama. The effectiveness of fixed asset management is reflected in the availability of facilities and infrastructure that support the implementation of organizational duties and functions, the optimal maintenance of assets, and the improvement of efficiency and smoothness in organizational operations. However, several challenges remain, particularly in asset data management and the updating of asset information, which require further attention to enhance the quality of asset management in the future.
FROM TEACHING PROVIDERS TO KNOWLEDGE ENGINES: TRANSFORMING PRIVATE HIGHER EDUCATION IN ACEH AMID THE ARTIFICIAL INTELLIGENCE REVOLUTION Chairul Bariah
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 3 No. 1 (2026): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.21128597

Abstract

The rapid advancement of Artificial Intelligence (AI) is fundamentally reshaping the global landscape of higher education, challenging established business models and modes of knowledge delivery. In Indonesia, Private Higher Education Institutions (PHEIs) serve a critical role in expanding access, yet they remain structurally vulnerable due to heavy reliance on tuition fees and a prevailing focus on instruction over inquiry. This article examines the existential challenges facing PHEIs, with specific focus on the post‑conflict, resource‑rich but economically constrained context of Aceh. It argues that the traditional model of “teaching factories” is no longer viable in an era where AI democratises information access. Instead, PHEIs must undergo a paradigm shift to become Knowledge Engines: institutions that treat research, faculty development, and community engagement as strategic investments rather than operational costs. Drawing on recent global literature and local contextual analysis, the study proposes a four‑pillar framework comprising problem‑centred local research, faculty empowerment as knowledge producers, integrated curricula, and strategic partnership development. The analysis demonstrates that by leveraging AI not merely for efficiency but to unlock local data and contextual insights, PHEIs can build unique competitive advantages that large public universities cannot easily replicate. This transformation is not only essential for institutional survival but also vital for ensuring that higher education contributes meaningfully to regional development, cultural preservation, and intellectual independence in Aceh and across Indonesia.

Page 48 of 48 | Total Record : 474

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