{"id":"https://openalex.org/W7225630581","doi":"https://doi.org/10.61511/jembar.v4i2.2027.3408","title":"Digital transformation of Pegadaian\u2019s gold pawn services as a strategy to enhance financial inclusion and MSME competitiveness","display_name":"Digital transformation of Pegadaian\u2019s gold pawn services as a strategy to enhance financial inclusion and MSME competitiveness","publication_year":2026,"publication_date":"2026-11-09","ids":{"openalex":"https://openalex.org/W7225630581","doi":"https://doi.org/10.61511/jembar.v4i2.2027.3408"},"language":"en","primary_location":{"id":"doi:10.61511/jembar.v4i2.2027.3408","doi":"https://doi.org/10.61511/jembar.v4i2.2027.3408","is_oa":true,"landing_page_url":"https://doi.org/10.61511/jembar.v4i2.2027.3408","pdf_url":"https://journal-iasssf.com/index.php/JEMBAR/article/download/3408/2332","source":{"id":"https://openalex.org/S4387997426","display_name":"Journal of Economic Business & Accounting Research","issn_l":"3024-9813","issn":["3024-9813"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Economic, Business & Accounting Research","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://journal-iasssf.com/index.php/JEMBAR/article/download/3408/2332","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5109398356","display_name":"Eka Yuliyanti","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4405273674","display_name":"Sekolah Tinggi Ilmu Ekonomi Totalwin","ror":"https://ror.org/008tddt60","country_code":"ID","type":"education","lineage":["https://openalex.org/I4405273674"]}],"countries":["ID"],"is_corresponding":true,"raw_author_name":"Eka Yuliyanti","raw_affiliation_strings":["Business Management, Sekolah Tinggi Ilmu Ekonomi Totalwin, Semarang, Central Java 50147"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Business Management, Sekolah Tinggi Ilmu Ekonomi Totalwin, Semarang, Central Java 50147","institution_ids":["https://openalex.org/I4405273674"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":["https://openalex.org/A5109398356"],"corresponding_institution_ids":["https://openalex.org/I4405273674"],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":true,"cited_by_count":0,"citation_normalized_percentile":{"value":0.0,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":"4","issue":"2","first_page":"163","last_page":"182"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.9185000061988831,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.9185000061988831,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.04650000110268593,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.017000000923871994,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/digital-transformation","display_name":"digital transformation","score":0.7310000061988831},{"id":"https://openalex.org/keywords/pegadaian","display_name":"Pegadaian","score":0.9810000061988831},{"id":"https://openalex.org/keywords/financial-inclusion","display_name":"financial inclusion","score":0.796999990940094},{"id":"https://openalex.org/keywords/msme-competitiveness","display_name":"MSME competitiveness","score":0.9810000061988831},{"id":"https://openalex.org/keywords/asset-based-financing","display_name":"asset-based financing","score":0.9350000023841858},{"id":"https://openalex.org/keywords/non-bank-financial-institutions","display_name":"non-bank financial institutions","score":0.9670000076293945},{"id":"https://openalex.org/keywords/unbanked-and-underbanked-populations","display_name":"unbanked and underbanked populations","score":0.8159999847412109},{"id":"https://openalex.org/keywords/cash-flow-management","display_name":"cash flow management","score":0.6420000195503235},{"id":"https://openalex.org/keywords/informal-lenders","display_name":"informal lenders","score":0.6430000066757202},{"id":"https://openalex.org/keywords/digital-financial-services","display_name":"digital financial services","score":0.7749999761581421},{"id":"https://openalex.org/keywords/indonesia","display_name":"Indonesia","score":0.6970000267028809}],"concepts":[{"id":"https://openalex.org/C2779251847","wikidata":"https://www.wikidata.org/wiki/Q60852","display_name":"Financial inclusion","level":3,"score":0.8628000020980835},{"id":"https://openalex.org/C2778430866","wikidata":"https://www.wikidata.org/wiki/Q3061848","display_name":"Unbanked","level":4,"score":0.6575000286102295},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.6559000015258789},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6313999891281128},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.5705999732017517},{"id":"https://openalex.org/C126082660","wikidata":"https://www.wikidata.org/wiki/Q4252370","display_name":"Digital transformation","level":2,"score":0.517300009727478},{"id":"https://openalex.org/C2780378061","wikidata":"https://www.wikidata.org/wiki/Q25351891","display_name":"Service (business)","level":2,"score":0.4406999945640564},{"id":"https://openalex.org/C28129649","wikidata":"https://www.wikidata.org/wiki/Q926217","display_name":"Microfinance","level":2,"score":0.43470001220703125},{"id":"https://openalex.org/C183582576","wikidata":"https://www.wikidata.org/wiki/Q184783","display_name":"Market liquidity","level":2,"score":0.4131999909877777},{"id":"https://openalex.org/C4216890","wikidata":"https://www.wikidata.org/wiki/Q815823","display_name":"Business model","level":2,"score":0.34360000491142273},{"id":"https://openalex.org/C130731218","wikidata":"https://www.wikidata.org/wiki/Q1363554","display_name":"Financial analysis","level":2,"score":0.3093000054359436},{"id":"https://openalex.org/C506796395","wikidata":"https://www.wikidata.org/wiki/Q4738155","display_name":"Financial management","level":2,"score":0.30790001153945923},{"id":"https://openalex.org/C103565092","wikidata":"https://www.wikidata.org/wiki/Q159421","display_name":"Savings account","level":2,"score":0.3001999855041504},{"id":"https://openalex.org/C202451310","wikidata":"https://www.wikidata.org/wiki/Q328554","display_name":"Accounts receivable","level":2,"score":0.29899999499320984},{"id":"https://openalex.org/C2780082420","wikidata":"https://www.wikidata.org/wiki/Q4672483","display_name":"Access to finance","level":2,"score":0.29589998722076416},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.2930000126361847},{"id":"https://openalex.org/C2777064627","wikidata":"https://www.wikidata.org/wiki/Q3151423","display_name":"Financial innovation","level":2,"score":0.2816999852657318},{"id":"https://openalex.org/C540431452","wikidata":"https://www.wikidata.org/wiki/Q16319025","display_name":"FinTech","level":3,"score":0.28139999508857727},{"id":"https://openalex.org/C73283319","wikidata":"https://www.wikidata.org/wiki/Q1416617","display_name":"Financial system","level":1,"score":0.28049999475479126},{"id":"https://openalex.org/C2777747085","wikidata":"https://www.wikidata.org/wiki/Q5449743","display_name":"Financial sector development","level":3,"score":0.27489998936653137},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.27000001072883606},{"id":"https://openalex.org/C120936955","wikidata":"https://www.wikidata.org/wiki/Q2155640","display_name":"Empirical research","level":2,"score":0.26759999990463257},{"id":"https://openalex.org/C109359841","wikidata":"https://www.wikidata.org/wiki/Q728944","display_name":"Inclusion (mineral)","level":2,"score":0.2671000063419342},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.265500009059906},{"id":"https://openalex.org/C3307092","wikidata":"https://www.wikidata.org/wiki/Q6532095","display_name":"Service innovation","level":3,"score":0.25870001316070557},{"id":"https://openalex.org/C43246008","wikidata":"https://www.wikidata.org/wiki/Q55638","display_name":"Tertiary sector of the economy","level":2,"score":0.25290000438690186}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.61511/jembar.v4i2.2027.3408","doi":"https://doi.org/10.61511/jembar.v4i2.2027.3408","is_oa":true,"landing_page_url":"https://doi.org/10.61511/jembar.v4i2.2027.3408","pdf_url":"https://journal-iasssf.com/index.php/JEMBAR/article/download/3408/2332","source":{"id":"https://openalex.org/S4387997426","display_name":"Journal of Economic Business & Accounting Research","issn_l":"3024-9813","issn":["3024-9813"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Economic, Business & Accounting Research","raw_type":"journal-article"}],"best_oa_location":{"id":"doi:10.61511/jembar.v4i2.2027.3408","doi":"https://doi.org/10.61511/jembar.v4i2.2027.3408","is_oa":true,"landing_page_url":"https://doi.org/10.61511/jembar.v4i2.2027.3408","pdf_url":"https://journal-iasssf.com/index.php/JEMBAR/article/download/3408/2332","source":{"id":"https://openalex.org/S4387997426","display_name":"Journal of Economic Business & Accounting Research","issn_l":"3024-9813","issn":["3024-9813"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"journal"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Journal of Economic, Business & Accounting Research","raw_type":"journal-article"},"sustainable_development_goals":[{"score":1.0,"display_name":"Decent work and economic growth","id":"https://metadata.un.org/sdg/8"},{"score":0.8970999717712402,"display_name":"Industry, innovation and infrastructure","id":"https://metadata.un.org/sdg/9"}],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7225630581.pdf","grobid_xml":"https://content.openalex.org/works/W7225630581.grobid-xml"},"referenced_works_count":48,"referenced_works":["https://openalex.org/W2904649625","https://openalex.org/W3001812644","https://openalex.org/W3042397003","https://openalex.org/W3093646510","https://openalex.org/W3111177804","https://openalex.org/W3162109049","https://openalex.org/W3195626226","https://openalex.org/W4205110720","https://openalex.org/W4296817181","https://openalex.org/W4312128635","https://openalex.org/W4313333538","https://openalex.org/W4322123521","https://openalex.org/W4367053020","https://openalex.org/W4379233263","https://openalex.org/W4386959100","https://openalex.org/W4387058374","https://openalex.org/W4387618361","https://openalex.org/W4389113244","https://openalex.org/W4390561023","https://openalex.org/W4391630492","https://openalex.org/W4395031129","https://openalex.org/W4396809637","https://openalex.org/W4399486853","https://openalex.org/W4399727419","https://openalex.org/W4401023884","https://openalex.org/W4401215777","https://openalex.org/W4401290205","https://openalex.org/W4401401075","https://openalex.org/W4403877342","https://openalex.org/W4405324372","https://openalex.org/W4405956254","https://openalex.org/W4406022410","https://openalex.org/W4406133051","https://openalex.org/W4406829529","https://openalex.org/W4406852424","https://openalex.org/W4407579974","https://openalex.org/W4408591050","https://openalex.org/W4408961401","https://openalex.org/W4409869220","https://openalex.org/W4410091324","https://openalex.org/W4410262971","https://openalex.org/W4410372637","https://openalex.org/W4410781390","https://openalex.org/W4411634876","https://openalex.org/W4412134509","https://openalex.org/W4413401856","https://openalex.org/W4413908652","https://openalex.org/W4415489038"],"related_works":["https://openalex.org/W7171828211","https://openalex.org/W7166504558","https://openalex.org/W7217842517","https://openalex.org/W7164383295","https://openalex.org/W7204494285","https://openalex.org/W7162098825","https://openalex.org/W7168176565","https://openalex.org/W7216723289","https://openalex.org/W7216682028","https://openalex.org/W7203840046"],"abstract_inverted_index":{"Background:":[0],"Digital":[1,112,168],"transformation":[2,195],"in":[3,56,214,292],"the":[4,50,91,271,285],"financial":[5,15,42,61,96,133,186,203,224,255,275],"services":[6,38,55,115,170,245,276],"sector":[7],"has":[8],"become":[9],"a":[10,71,76,107,197,247],"strategic":[11],"approach":[12,74],"to":[13,102,118,132,139,217,283],"enhancing":[14],"inclusion":[16,62,134,204],"and":[17,20,46,85,98,126,142,159,184,220,257,280],"micro,":[18],"small,":[19],"medium-sized":[21],"enterprises":[22],"(MSME)":[23],"competitiveness,":[24],"particularly":[25,212],"through":[26,60,188],"non-bank":[27],"institutions":[28],"offering":[29],"asset-based":[30,218,249],"financing.":[31],"In":[32],"Indonesia,":[33],"Pegadaian\u2019s":[34,193],"digital":[35,94,190,194,242,253,274],"gold":[36,113,243],"pawn":[37,114,169,244],"provide":[39],"an":[40,237,265],"accessible":[41],"instrument":[43],"for":[44],"unbanked":[45],"underbanked":[47],"communities.":[48,229],"However,":[49],"role":[51,287],"of":[52,80,93,231,273,288],"digitalized":[53,289],"pawn-based":[54,290],"strengthening":[57],"MSME":[58,99,207,258,294],"competitiveness":[59,148],"mechanisms":[63],"remains":[64],"insufficiently":[65],"explored.":[66],"Methods:":[67],"This":[68,234],"study":[69,235],"employs":[70],"qualitative":[72],"descriptive":[73],"using":[75],"systematic":[77],"literature":[78],"review":[79],"academic":[81],"publications,":[82],"policy":[83],"documents,":[84],"institutional":[86,239],"reports.":[87],"The":[88],"analysis":[89],"integrates":[90],"frameworks":[92],"transformation,":[95,254],"inclusion,":[97,256],"capability":[100,161],"development":[101,162],"synthesize":[103],"empirical":[104],"findings":[105],"into":[106],"coherent":[108],"analytical":[109],"narrative.":[110],"Findings:":[111],"expand":[116],"access":[117,138,216],"formal":[119],"financing,":[120],"improve":[121],"service":[122,144],"transparency,":[123],"accelerate":[124],"transactions,":[125],"enhance":[127],"financing":[128,219,250,291],"predictability.":[129],"Their":[130],"contribution":[131,210],"extends":[135,270],"beyond":[136,277],"initial":[137],"sustained":[140],"usage":[141],"improved":[143],"quality.":[145],"For":[146],"MSMEs,":[147],"benefits":[149],"primarily":[150],"arise":[151],"from":[152],"liquidity":[153],"stabilization,":[154],"cost":[155],"efficiency,":[156],"temporal":[157],"flexibility,":[158],"gradual":[160],"rather":[163],"than":[164],"immediate":[165],"growth":[166],"acceleration.":[167],"also":[171],"help":[172],"MSMEs":[173],"manage":[174],"cash":[175],"flow":[176],"volatility,":[177],"reduce":[178],"reliance":[179],"on":[180,241],"high-cost":[181],"informal":[182],"lenders,":[183],"foster":[185],"discipline":[187],"repeated":[189],"engagement.":[191],"Conclusion:":[192],"represents":[196],"context-sensitive,":[198],"capability-enhancing":[199],"strategy":[200],"that":[201],"connects":[202],"with":[205],"sustainable":[206,293],"competitiveness.":[208,259],"Its":[209],"is":[211],"evident":[213],"improving":[215],"supporting":[221],"more":[222],"effective":[223],"management":[225],"among":[226],"underserved":[227],"business":[228],"Novelty/Originality":[230],"this":[232],"article:":[233],"offers":[236],"integrated":[238],"perspective":[240],"as":[246],"non-bank,":[248],"pathway":[251],"linking":[252],"By":[260],"examining":[261],"these":[262],"dimensions":[263],"within":[264],"emerging":[266],"market":[267],"context,":[268],"it":[269],"discussion":[272],"conventional":[278],"banking":[279],"fintech":[281],"models":[282],"highlight":[284],"potential":[286],"development.":[295]},"counts_by_year":[],"updated_date":"2026-11-11T12:16:26.678958","created_date":"2026-11-10T00:00:00"}