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Maria Wesso; Agustina Waromi

Riset Ilmu Manajemen Bisnis dan Akuntansi 2026 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This study aims to analyze the marketing strategy of Betet Rice at Toko Cendrawasi Fakfak. The research uses a qualitative approach with data collection methods including field research, interviews with managers and employees, observations on sales data management, and documentation. The data were analyzed using marketing mix analysis and SWOT analysis. The results show that Betet Rice is distributed directly to customers through Toko Cendrawasi Fakfak, which acts as a distributor of the product. Toko Cendrawasi has made efforts to provide significant market access for Betet Rice marketing, with products and prices adjusted to customer desires and purchasing power. The marketing strategy used involves the marketing mix of product, price, promotion, and distribution, which has led to an increase in demand for Betet Rice every year. Based on the SWOT analysis, the marketing strategy implemented includes strengths in strong financial conditions and a fleet of ships, weaknesses in the lack of attention to key marketing elements, opportunities in market analysis and customer segmentation, and threats from increasing competition and globalization of competitors offering similar products.

Dinda Rama Zulfia; Lola Yustrisia

Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora 2026 Pusat Riset dan Inovasi Nasional

The development of technology in the era of globalization has brought significant changes in society, particularly through the emergence of the internet and social media such as WhatsApp, X (Twitter), Facebook, Instagram, Telegram, and TikTok, which facilitate rapid information dissemination. This development has also given rise to a new profession, namely content creators, who produce and share content in the form of images, videos, or text for branding, professional purposes, or self-expression, often resorting to sensationalism to attract audience attention. On the other hand, the ease of access to social media has also triggered the spread of negative content, including pornography, as evidenced by Komdigi/Kominfo data showing millions of blocked negative content, with X being one of the dominant platforms. In Islamic perspective, anything that leads to adultery is prohibited as stated in QS. Al-Isra verse 32. A prominent case is Dea OnlyFans (Gusti Ayu Dewanti) who was arrested for distributing pornographic content through OnlyFans and Google Drive, charged under the Pornography Law and ITE Law, and found guilty in the Supreme Court Decision Number 2086 K/Pid.Sus/2023. This study discusses 1) How are the differences in judges' considerations at the District Court, High Court, and Cassation? 2) Can the Supreme Court judges' considerations provide a deterrent effect? This research uses a descriptive method with normative legal research based on literature study, using primary, secondary, and tertiary legal materials.

Vera Siti Magfiroh; Yurna Yurna; Ressy Resviati Putri; Ridwan Hermawan; Hendi Supandi

Reflection : Islamic Education Journal 2026 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

This study aims to examine the development of Islamic educational institutions in Indonesia from the classical to the modern era, as well as the factors influencing their transformation and strategies for strengthening them to remain relevant to contemporary needs without abandoning Islamic values. The research method used is a literature review (library research) by analyzing books, scientific journals, and official documents related to Islamic education, both nationally and internationally, published within the last five years. The findings indicate that Islamic education evolved from informal learning through majelis taklim, surau, and langgar, to the establishment of pesantren, madrasahs, and modern Islamic higher education institutions that integrate religious and general knowledge. The transformation of these institutions is influenced by local cultural factors, international scholarly networks, political pressures and colonialism, reformist figures, globalization, economic demands, social mobility, and national education policies. In the era of globalization and the Fourth Industrial Revolution, Islamic educational institutions face challenges such as technological access disparities, limited teacher competence in digital pedagogy, curriculum integration, and the risk of educational commodification. Strengthening strategies include developing integrative curricula, professionalizing teachers, utilizing digital technology, promoting media literacy based on Islamic values, developing entrepreneurship, revitalizing traditional knowledge, and enhancing alumni networks and visionary leadership. This study emphasizes that the synergy among pesantren, madrasahs, and Islamic higher education institutions forms a national Islamic education ecosystem that is adaptive, rooted in spiritual values, and capable of producing Muslim generations who are morally upright, knowledgeable, and globally competitive.

Muhammad Ikhsan; Gabriel Bato Malewa Pirade

Jurnal Riset dan Inovasi Manajemen 2026 International Forum of Researchers and Lecturers

In the era of globalization and intensifying market competition, strategic management has become a crucial instrument for organizations to maintain a competitive advantage. This study aims to comprehensively examine the role of strategic management in improving organizational performance based on previous research findings. The method used is a literature review with a qualitative-descriptive approach through the collection, evaluation, and synthesis of scientific articles from reputable national and international journals published between 2021 and 2026. The research findings indicate that the stages of strategic management, including strategy formulation, implementation, and evaluation, contribute significantly to improving organizational performance in both financial and non-financial aspects. Determinant factors such as strategic leadership, resource mobilization, and organizational culture alignment are proven to strengthen organizational effectiveness in facing environmental uncertainty. Furthermore, strategic management plays a vital role in building organizational resilience to adapt to dynamic external changes. The implications of this study emphasize the importance for managers and organizational leaders to implement strategic management practices consistently and integratedly to ensure long-term survival and success. The results of this literature synthesis provide a theoretical framework for practitioners in optimizing organizational strategic capabilities amidst complex global challenges.

Monika Grachia Mirahel Andale; Yohana Anggilina Loru; Veronika Dasi Ta’a; Kristina Safira Ndaro; Maria Alusia Yufri Dala +1 more

Jurnal Ilmu Pendidikan, Bahasa, Sastra dan Budaya 2026 Asosiasi Periset Bahasa Sastra Indonesia

Language is the primary means of communication in human life. The absorption of English into Indonesian among university students is an increasingly prominent phenomenon with the development of globalization and digital technology. This study aims to analyze the impact of this absorption on the emergence of new words or terms used by students in academic contexts and everyday communication. The research method used is descriptive qualitative. This approach was chosen because this study aims to describe and analyze linguistic phenomena and their impact on the Indonesian language. The results of the analysis show that the absorption of English has given rise to various new terms that are practical, concise, and contextual, such as deadline, submit, healing, burnout, as well as mixed forms with Indonesian affixes such as nge-print and di-upload. These terms facilitate communication and enrich students' linguistic expression. However, on the other hand, the use of these new terms has the potential to displace the use of standard Indonesian equivalents. Thus, the absorption of English has a dual impact: enriching vocabulary through the formation of new terms while also requiring a wise attitude to maintain the existence of the Indonesian language.  

Monika Grachia Mirahel Andale; Yohana Anggilina Loru; Veronika Dasi Ta’a; Kristina Safira Ndaro; Maria Alusia Yufri Dala +1 more

Jurnal Ilmu Pendidikan, Bahasa, Sastra dan Budaya 2026 Asosiasi Periset Bahasa Sastra Indonesia

Language is the primary means of communication in human life. The absorption of English into Indonesian among university students is an increasingly prominent phenomenon with the development of globalization and digital technology. This study aims to analyze the impact of this absorption on the emergence of new words or terms used by students in academic contexts and everyday communication. The research method used is descriptive qualitative. This approach was chosen because this study aims to describe and analyze linguistic phenomena and their impact on the Indonesian language. The results of the analysis show that the absorption of English has given rise to various new terms that are practical, concise, and contextual, such as deadline, submit, healing, burnout, as well as mixed forms with Indonesian affixes such as nge-print and di-upload. These terms facilitate communication and enrich students' linguistic expression. However, on the other hand, the use of these new terms has the potential to displace the use of standard Indonesian equivalents. Thus, the absorption of English has a dual impact: enriching vocabulary through the formation of new terms while also requiring a wise attitude to maintain the existence of the Indonesian language.  

Muhammad Ikhsan; Gabriel Bato Malewa Pirade

Jurnal Riset dan Inovasi Manajemen 2026 International Forum of Researchers and Lecturers

In the era of globalization and intensifying market competition, strategic management has become a crucial instrument for organizations to maintain a competitive advantage. This study aims to comprehensively examine the role of strategic management in improving organizational performance based on previous research findings. The method used is a literature review with a qualitative-descriptive approach through the collection, evaluation, and synthesis of scientific articles from reputable national and international journals published between 2021 and 2026. The research findings indicate that the stages of strategic management, including strategy formulation, implementation, and evaluation, contribute significantly to improving organizational performance in both financial and non-financial aspects. Determinant factors such as strategic leadership, resource mobilization, and organizational culture alignment are proven to strengthen organizational effectiveness in facing environmental uncertainty. Furthermore, strategic management plays a vital role in building organizational resilience to adapt to dynamic external changes. The implications of this study emphasize the importance for managers and organizational leaders to implement strategic management practices consistently and integratedly to ensure long-term survival and success. The results of this literature synthesis provide a theoretical framework for practitioners in optimizing organizational strategic capabilities amidst complex global challenges.

Mochammad Candra Agustian; Risman Suryana; Sidik Nurdiansyah; Jibal Nazib; Taofik Ahmad +3 more

Jurnal Riset Rumpun Ilmu Pendidikan 2026 Lembaga Pengembangan Kinerja Dosen

Character education faces significant challenges due to digital disruption and globalization that trigger moral degradation in adolescents. In Purwakarta Regency, the "7 Poe Atikan" policy through Regent Regulation No. 69 of 2015 was implemented as a transformative solution based on local wisdom. This study aims to analyze the implementation mechanism, the character values ​​formed, and the supporting and inhibiting factors of the "7 Poe Atikan" program for students of SMPN 1 Maniis. This study uses a qualitative approach with a descriptive literature method. Data are sourced from official documents, educational reports, and related scientific articles over the past seven years. The analysis shows that the implementation of "7 Poe Atikan" in Maniis District effectively internalizes the values ​​of nationalism and love of culture through concrete practices such as the use of Basa Indung (mother language) and traditional clothing. However, significant challenges were found in the Betah di Imah aspect which indicates the still weak synergy between schools and parents. The implementation of "7 Poe Atikan" at SMPN 1 Maniis has successfully created an educational ecosystem that adapts to local wisdom, although strengthening collaboration with the family environment remains a priority for the sustainability of students' holistic character.

Diky Erdia Wahendra; Christian Stevan Klose Situmorang; Muhammad Fadil Fadhlullah; Ahmad Vajri Rahman

Jurnal Strategi Bisnis Teknologi 2026 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

This study aims to examine the global marketing strategies implemented by The Coca-Cola Company in maintaining its competitive position in international markets. The advancement of globalization requires multinational corporations to design marketing strategies that are not only globally standardized but also adaptable to local market characteristics and consumer needs. This research employs a descriptive qualitative method with a case study approach, conducted through the review of relevant literature, corporate reports, and academic journals. The findings indicate that Coca-Cola’s success in global marketing is supported by strong brand differentiation, an extensive global distribution network through partnerships with bottlers, and the application of the glocalization concept, which balances standardization and adaptation within the marketing mix. Furthermore, market expansion strategies are implemented systematically through the selection of target markets based on growth potential, accessibility, and competitive intensity. The study also reveals that the country of origin image of the United States serves as a positive brand asset by creating aspirational value and quality perceptions across various markets, although in certain contexts it also presents challenges that require strategic management. Overall, this study confirms that Coca-Cola’s global marketing strategy is capable of achieving sustainable competitive advantage through the integration of strong global branding, product innovation, and responsiveness to local market dynamics.

M. Iqbal Algani; Charles Rangkuti; Hery Iswandi

Karakter : Jurnal Riset Ilmu Pendidikan Islam 2026 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

A moral crisis occurs when a person loses the attitude, character, and behavior that are in accordance with goodness. Moral and ethical crises often occur among the younger generation in Indonesia due to various factors, such as the impact of globalization, the influence of social media, the lack of parental involvement, and the lack of character education in schools. This study aims to explore the relevance of character education values in M. Quraish Shihab's Tafsir Al-Mishbah to the problems faced by students in the contemporary era. The crisis of morality, bullying, and the threat of radicalism are the background to the urgency of internalizing contextual Qur'anic values. This research is qualitative in nature, using library research, a thematic approach, and content analysis. The results show that the concept of character education in Tafsir Al-Mishbah is rooted in the relationship between the meaning of Rabb and tarbiyah, which aims to shape Insan Kamil through intellectual and spiritual balance. Analysis of Q.S. Luqman: 12-13, Q.S. Al-Hujurat: 11-13, and Q.S. Al-Mujadilah: 11 reveals fundamental values such as monotheism, gratitude, tolerance, and manners in seeking knowledge. The relevance of the findings shows that Quraish Shihab's moderate (wasathiyah) thinking is very effective in protecting students from extreme ideas, building digital literacy ethics through the principle of tabayyun, and eliminating the culture of violence in schools through a humanistic approach. This study concludes that Tafsir Al-Mishbah offers a functional methodological framework for strengthening the character of 21st-century students.

Navisa Fisabilillah; Alma Pratiwi Husain

SOSIAL: Jurnal Ilmiah Pendidikan IPS 2026 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

In the era of globalization and rapid technological advancement, Indonesia’s indigenous culture faces various challenges that may gradually erode traditional values within society, particularly among the younger generation. Local cultural diversity represents a vital national asset that must be preserved and sustained through strategic efforts, one of which is education. Social studies education plays an important role in instilling students’ knowledge, understanding, and appreciation of local cultural diversity as an essential component of national identity. This article aims to examine the contribution of social studies education to the development of students’ character through respect for cultural diversity in their surrounding environment, the cultivation of tolerance, and the enhancement of cultural awareness. The study adopts a qualitative descriptive approach using a literature review methodology by analyzing relevant academic sources, including books, journal articles, and previous research findings. The results reveal that integrating local culture and indigenous knowledge into social studies learning can strengthen students’ social awareness, deepen their understanding of cultural values, and foster responsible, empathetic, and tolerant character traits. Moreover, the effectiveness of local culture–based social studies education is strongly influenced by the role of teachers as facilitators, motivators, and role models who provide contextual, relevant, and meaningful learning experiences for students.  

Ni Putu Andini Desiyanti Laksmi; I Nyoman Bawa Bagiada

Jurnal Ilmu Pendidikan, Bahasa, Sastra dan Budaya 2026 Asosiasi Periset Bahasa Sastra Indonesia

Globalization has brought significant impacts across various sectors of life, including language and literature. Rapid flows of information, intercultural interactions, and the dominance of international languages such as English have triggered changes, adaptations, and even identity confusion in the use of local languages and the development of literary works. This paper explores the influence of globalization on the evolution of language and literature, both in the context of preservation and creativity. Language undergoes modifications in structure and vocabulary as a result of cultural interaction and technological advancement, while literature evolves in terms of genres and media, as reflected in the emergence of digital literature and literacy phenomena on social media platforms. On the other hand, globalization also provides opportunities for local literary works to reach international audiences through translation and digital media. Using a descriptive and analytical approach, this paper highlights the challenges and opportunities arising from the intersection of globalization, language, and literature, as well as their significance in formulating strategies to maintain cultural identity through language and literary expression.

Ni Putu Andini Desiyanti Laksmi; I Nyoman Bawa Bagiada

Jurnal Ilmu Pendidikan, Bahasa, Sastra dan Budaya 2026 Asosiasi Periset Bahasa Sastra Indonesia

Globalization has brought significant impacts across various sectors of life, including language and literature. Rapid flows of information, intercultural interactions, and the dominance of international languages such as English have triggered changes, adaptations, and even identity confusion in the use of local languages and the development of literary works. This paper explores the influence of globalization on the evolution of language and literature, both in the context of preservation and creativity. Language undergoes modifications in structure and vocabulary as a result of cultural interaction and technological advancement, while literature evolves in terms of genres and media, as reflected in the emergence of digital literature and literacy phenomena on social media platforms. On the other hand, globalization also provides opportunities for local literary works to reach international audiences through translation and digital media. Using a descriptive and analytical approach, this paper highlights the challenges and opportunities arising from the intersection of globalization, language, and literature, as well as their significance in formulating strategies to maintain cultural identity through language and literary expression.

Hairun Hasanah Sagala; Muhammad Hasan Nasution

Karakter : Jurnal Riset Ilmu Pendidikan Islam 2026 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

Islamic Religious Education (PAI) plays a crucial role in shaping students' personality and morals, not only by imparting religious knowledge but also by internalizing moral values for everyday life. The rapid development of technology, globalization, and social change presents challenges to moral development, requiring PAI learning to effectively integrate moral values in classroom dynamics. This study aims to examine the integration of moral values in PAI learning and its implications for strengthening character education. Using a qualitative approach with library research, data were gathered from books, journal articles, and previous studies on PAI and moral education. Data collection was through documentation, and content analysis was used to synthesize concepts, theories, and findings. The study finds that moral values in PAI learning are integrated through two approaches: explicit and implicit. Explicit integration involves teaching materials containing moral values, while implicit integration occurs through teacher role models, humanistic interactions, classroom management, and participatory and contextual learning methods. The integration of moral values enhances the meaning of PAI learning and contributes to students' attitudes and behavior. This study highlights that well-designed, value-oriented PAI learning plays a vital role in strengthening character education and continuously fostering students' morals.

I Gusti Arya Agung Restu Diva Dewangga; Putri Ekaresty Haes; Kadek Adyatna Wedananta; Putu Suparna

Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora 2026 Pusat Riset dan Inovasi Nasional

This study aims to explore Generation Z's adaptation to traditional values, particularly the Balinese language sor singgih in Catur Wangsa, amid social changes driven by globalization and technological advancements, from the perspective of interpersonal communication. The phenomenological approach in qualitative research is the research method used, with three data collection techniques: participant observation, unstructured interviews, and documentation. This study also uses source and technique triangulation as a data validity technique. The research informants are members of Generation Z from the five castes in Bali: Brahmana, Ksatria, Weisya, and Sudra. Research conducted across eight districts and cities in Bali indicates that Generation Z is beginning to shift its interpersonal communication patterns. Although they still uphold traditional values of politeness and social norms, Generation Z emphasizes equality and openness in their daily interactions. The generation Z that continues to use the Balinese language is segmented by social context, emotional closeness, and communication situations, rather than solely by caste differences. Furthermore, this study's findings show that the caste system is seen more as a cultural identity than a social boundary. The implications of this research emphasize the importance of preserving the values of Balinese local wisdom in the form of adaptive, egalitarian communication that is relevant to the development of the younger generation in the digital age.

Ari Rahmatullah Fauzi; Yurna Yurna; Toha Suryana; Muhamad Rafli; Tedi Tedi

Jurnal Budi Pekerti Agama Islam 2026 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

Islamic education plays a strategic role in promoting social transformation amid the dynamics of societal change. Islamic education functions not only as a medium for the transmission of knowledge and religious values, but also as an instrument for character building, social awareness, and the strengthening of moral and spiritual values. This article aims to examine the concept of Islamic education and its relevance to the process of social transformation, as well as to analyze the roles and challenges of Islamic education in responding to modern social changes. This study employs a qualitative descriptive approach through library research by analyzing relevant literature sources, including books, scholarly journals, and supporting documents. The findings indicate that Islamic education contributes significantly to the development of a moral, just, and socially responsible society. Islamic education serves as an agent of social change through the internalization of ethical values, intellectual development, and balanced spiritual guidance. However, Islamic education also faces various challenges such as globalization, modernization, and cultural change. Therefore, strengthening adaptive and contextual strategies in Islamic education is essential to ensure its continued relevance in fostering positive social transformation.

Rahmah Azahra; Novita Nabila Marsha; Firda Siti Nur Fadilah; Sri Mulyeni

Jurnal Mahasiswa Kreatif 2026 International Forum of Researchers and Lecturers

English is an international language that plays an important role for students in the era of globalization; however, speaking anxiety or fear of speaking remains a major obstacle in academic practice within higher education institutions. This anxiety emerges as a complex psychological phenomenon involving cognitive, affective, and social aspects, rather than merely an issue of language proficiency. This study examines the problems faced by students, particularly those majoring in non English disciplines, in overcoming speaking anxiety in English academic settings. A descriptive qualitative approach was employed, with data collected through semi-structured interviews involving students of PASIM National University who exhibited varying levels of speaking anxiety. The data were analyzed using qualitative analysis techniques to identify emerging patterns and themes.The findings indicate that speaking anxiety is caused by fear of making pronunciation and grammatical errors, concern about receiving negative evaluations, limited vocabulary, and a lack of experience in communicating in English. These conditions are further exacerbated by limited opportunities for speaking practice, non-interactive learning methods, and insufficient support from teachers and peers. Students developed adaptive strategies such as relaxation techniques, thorough preparation, positive self-talk, and consistent language practice. To create a safe learning environment in which students can speak English effectively, this study proposes learning strategies that are more inclusive, supportive, and grounded in psychological principles.  

Nadia Destyana; Ratesya Septiana Hidarusman; Zidane Reandra; Sri Mulyeni

WISSEN : Jurnal Ilmu Sosial dan Humaniora 2026 Asosiasi Peneliti Dan Pengajar Ilmu Sosial Indonesia

This research focuses on comprehensive analysis of the crucial role of English proficiency as a vital instrument in enhancing the holistic communication competence of English Literature students amdist the dynamics of globalization. Utilizing a literature study research method trough a systematic review of various scholarly references, academic journals, and empirical findings, this study evaluates interaction barries such as limited vocabulary, syntatic complexity, and psychological constraints including low self confidence. The findjngs demonstrate that proficient language mastery is directly proportional to the improvement of critical literary work analysis and active participation in broader academic discourse. Furthermore, this study confirms that the implementation of interactive active learning methodologies such as role playing, thematic debates, and collaborative presentations integrated with cutting edge technology acts as a primary catalyst. These strategies not only mitigate communicative barriers but also substantially enhance self directed learning efficiency and career readiness in multilingual professional environment. Ultimately, this research offers a new theoretical contribution to higher education curriculum roadmaps that are more adaptive, responsive, and outcome oriented for learners domestically and internationally. Through this approach, educational institutions are expected to produce competitive graduates ready to face the dynamic challenges of the rapidly evolving global stage.

Amir Mirdad; Yurna Yurna; Hoerul Khusban; E. Komarudin; Muhamad Atep Saepul Rahman

Karakter : Jurnal Riset Ilmu Pendidikan Islam 2026 Asosiasi Riset Ilmu Pendidikan Agama dan Filsafat Indonesia

Islamic education in the global era faces various complex problems and challenges, ranging from conventional teaching methods, varying teacher quality, to curriculum unpreparedness in addressing social and technological dynamics. The globalization of information and culture also significantly influences students’ behavior and identity, requiring digital literacy, critical cultural awareness, and resilience in religious values to remain aligned with Islamic principles. This study employs a library research approach with a descriptive qualitative method, analyzing various books and scientific journals related to Islamic education in the global era. The findings indicate that the problems of Islamic education include the gap between traditional methods and 21st-century needs, teachers’ unpreparedness in using technology, and the lack of integration between religious education and contemporary social contexts. Other challenges involve education management, family and community involvement, and policy-making that responds to global changes. To address these issues, recommended solutions include revitalizing an integrative curriculum that combines Islamic values with 21st-century skills, utilizing technology wisely, enhancing teacher competence, strengthening collaboration between schools, families, and communities, and developing media literacy and inclusive pedagogical approaches. Implementing these strategies is expected to produce students who are competent, adaptive, character-driven, and globally competitive without losing their moral and spiritual identity. These findings contribute to the development of Islamic education that is relevant, adaptive, and sustainable in the global era.

Nur Shafira Chairani; Nur Ainun Najwa; Suci Ameliya Kartika; Muhammad Ramadhani Kesuma

Jurnal Ekonomi dan Keuangan 2026 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Personal financial management behavior has gained prominence amid economic globalization, digital transformation, and crisis-induced shifts that reshape individual decision-making, budgeting, saving, and risk practices. This study conducts a comprehensive bibliometric analysis to chart the intellectual structure, growth patterns, and future orientations of research in this domain. Drawing on 312 English-language publications from the Scopus database spanning 2000 to 2024, the analysis employs VOSviewer for co-authorship, keyword co-occurrence, and co-citation mapping, complemented by performance metrics on trends and productivity. Findings reveal a marked acceleration in scholarly output, particularly after 2020, driven by heightened attention to digital tools and resilience factors. Thematic clusters highlight progression from foundational literacy and demographic influences to psychological mediators (e.g., self-efficacy, attitudes) and outcomes centered on well-being and socialization. Geographic contributions concentrate in the United States and Indonesia, with strong Asia-Pacific networks, while productive authors form specialized collaborative hubs. The intellectual base integrates behavioral frameworks with empirical applications, underscoring interdisciplinary depth. These insights address fragmentation in prior work by providing a unified knowledge map, revealing gaps in cross-cultural integration and dynamic digital modeling. Implications extend to guiding targeted interventions for financial education and policy, fostering individual resilience in volatile environments. This synthesis supports scholars and practitioners in advancing evidence-based approaches to sustainable personal finance practices.