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71,387 articles from 644 journals · 2,111 citations tracked

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Analytics

Widiastuti, Tiwuk; Richard , Berlien; Maryo Indra, Manjaruni

Journal of Information Technology and Computer Science 2026 International Forum of Researchers and Lecturers

High-dimensional clinical data exhibit complex and non-linear relationships among patient attributes, where outcomes are often influenced by feature interactions rather than isolated variables. However, many existing machine learning models prioritize predictive performance while providing limited interpretability and insufficient insight into interaction structures. This study aims to address this limitation by developing an interpretable and robust framework for feature interaction mining in clinical data. We propose a hybrid tree–neural modeling framework that explicitly captures and ranks feature interactions while maintaining stable predictive performance. Tree-based ensemble models are employed to identify non-linear interaction patterns, while neural representations enhance learning flexibility and generalization. The framework integrates interaction importance analysis, cross-validation–based stability assessment, and evaluation across multiple data splits to ensure robustness and interpretability. Experiments conducted on a real-world high-dimensional clinical dataset demonstrate that the proposed approach achieves consistent predictive performance, with AUC values ranging from 0.628 to 0.641 across five cross-validation folds (mean AUC ≈ 0.633). Performance remains stable under varying train–test splits, indicating strong generalizability. Interaction analysis reveals that a small number of dominant feature interactions—such as age combined with length of hospital stay and medication count combined with diagnostic information—consistently contribute to model predictions, appearing in over 80% of validation folds. Ablation studies further confirm that removing interaction-aware components leads to noticeable performance degradation, highlighting their importance.  In conclusion, this study demonstrates that explicit feature interaction modeling enhances interpretability, stability, and generalization in clinical prediction tasks. The proposed hybrid framework provides a reliable foundation for developing trustworthy and transparent clinical decision-support systems

Septi Kurniasih; Karmanis Karmanis; Charis Christiani

International Journal of Law and Civil Affairs 2026 International Forum of Researchers and Lecturers

This study examines how the transition from manual to digital services influences user satisfaction through digital service quality and user perception at the Marine and Fisheries Office of Pekalongan Regency. The research employs a mixed-methods approach, combining a quantitative survey (N = 40) using Pearson correlation analysis with qualitative interviews involving service leaders and operators. The results reveal very strong correlations between service quality, user perception, and user satisfaction, as well as the critical role of system stability and operator assistance in shaping user experience. Qualitative findings confirm that changes in work culture, leadership, and human resource adaptation are key factors in the success of digitalisation. The study implies that the success of digital public services is determined not only by technology but also by strengthening human resource capacity, simplifying service design, and providing operator support for users with low digital literacy. The limitations of this study include the small sample size, the single organisational context, and reliance on perception-based data. Future research is recommended to conduct comparative cross-agency studies, longitudinal approaches, and structural model testing to examine the mediating roles of digital literacy and operator assistance.  

Sandra Leoni Prakasa Yakub; Santi Suryani; Faisal Fadilla Noorikhsan; Muhamad Reza Atqia; Novia Laela

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

This research is driven by the increasing strength of religion-based identity politics in Indonesia’s post-reform electoral democracy, which creates a dilemma between legitimate political competition and threats to interfaith harmony. The problem formulation of this study concerns how identity politics challenges religious harmony and to what extent harmony can serve as an instrument to reduce polarization and reinforce democratic consolidation. The research questions focus on two main aspects: (1) how the dynamics of harmony are tested by the exploitation of religious issues within electoral contests, and (2) how harmonization strategies can function as social capital in maintaining democratic stability. Using a qualitative approach with a juridical-normative and socio-political framework, this study relies on a literature review involving laws and regulations, court decisions, official state documents, and national and international academic works, combined with content analysis of religiously nuanced political narratives in media and public discourse. The findings indicate that harmony is not a natural social condition but a socio-political construction that is vulnerable to instrumentalization by electoral interests. FKUB and harmony-related regulations tend to remain normative and less effective in the absence of substantive justice. Nonetheless, harmony still holds potential as strategic capital for democracy if it is developed through a framework of justice, religious political literacy, and inclusive democratic governance.

Muhammad Anwar; Ahmad Zaki Sinulingga; Muhammad Nabil Nasution; Mahesa Marpaung; Siti Aisyah

Nusantara: Jurnal Pengabdian kepada Masyarakat 2026 Pusat Riset dan Inovasi Nasional

The rupiah plays a vital role as a symbol of national identity and sovereignty, but awareness among rural communities about its function and importance is often limited. In Kutalimbaru Village, the main challenges identified are low monetary literacy, which results in physical damage to money and a lack of awareness about counterfeit money. Through the Real Work Lecture (KKN) program, community service efforts were carried out with the aim of internalizing the values of “Love, Pride, Understanding (CBP) of the Rupiah.” The approach used was community-based education through interactive workshops and practical demonstrations on money care techniques and an introduction to the security features of the Rupiah. Findings in the field show a transformation in the community's attitude; from being indifferent to being more careful in handling paper money and better understanding the role of the Rupiah in economic stability. This program has succeeded in increasing the financial literacy of citizens while strengthening the spirit of nationalism through appreciation of the national currency. Keywords: community empowerment, micro businesses, tempeh products, entrepreneurship, Sialaman Village.

Kemal Fahrizi Azch; Kholil Abdul Karim; Mhd Hamdani

Nusantara: Jurnal Pengabdian kepada Masyarakat 2026 Pusat Riset dan Inovasi Nasional

Natural fiber based composite materials are increasingly being developed as an environmentally friendly alternative to synthetic fiber-based composites. This study aims to characterize the thermal and mechanical properties of natural fiber composite materials and evaluate their potential use as sustainable materials. Composites are made using natural fibers as reinforcement and a polymer matrix through a specific molding method. Mechanical property characterization includes tensile tests, flexural tests, and impact tests, while thermal property characterization is carried out using thermal analysis to determine the thermal stability of the material. The test results show that the addition of natural fibers has a significant effect on improving the mechanical properties of the composite, especially tensile strength and elastic modulus, compared to the unreinforced matrix. In addition, natural fiber composites show quite good thermal stability over a certain temperature range, making them suitable for non-structural applications. Based on these results, natural fiber composite materials have the potential to be developed as environmentally friendly materials that have competitive mechanical and thermal performance.

Nurhasana Nurhasana; Lalu Amirudin; Risa Susanti; M. Zidny Nafi' Hasbi

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

This study explores the influence of career factors and economic independence on the phenomenon of late marriage in early adult women (aged 25-35 years) in Indonesia, especially in urban areas of North Sumatra such as Medan. Adopting a mixed-methods design, the study involved a quantitative survey of 250 career female respondents (with age criteria above 25 years old, unmarried, and a minimum income of the city UMR) using the Likert scale to measure career priorities as well as the financial independence index, complemented by logistic regression analysis to test causal relationships. Semi-structural interviews with 20 key informants uncovered an in-depth narrative about the trade-offs between professional ambitions (such as job promotion and income stability) and traditional marriage expectations. Key findings show that women with a bachelor's degree and above and an income of 1.5 times UMR tend to postpone marriage until the average age of 31.4 years, driven by the desire to achieve economic independence (regression coefficient β=0.42, p<0.01) as well as the flexibility of living without partner dependence. However, moderator factors such as Batak or Malay cultural pressures in Medan create internal conflicts, with 68% of respondents reporting social stress from family. Theoretically, the results support role conflict theory in modern family dynamics, while implications include recommendations for work-life balance-based pre-marital counseling programs and corporate policies to support high-quality marriages. This research contributes to the Indonesian family relations literature by highlighting the paradigm shift from patriarchal norms towards gender equality.

Putri, Ni Komang Puspita Nadine Parisya

jurnal Riset Rumpun Agama dan Filsafat 2026 Pusat Riset dan Inovasi Nasional

This study explores emotional instability and its impact on happiness, focusing on Positive Psychology, Neurobiology, and Stoicism. It aims to identify factors influencing instability of happiness, including stress, social support, and neurobiological dynamics. The research seeks to develop effective strategies to enhance emotional stability and long-term well-being, contributing to theories and practices for fostering enduring happiness in individuals and society. This study employs a qualitative approach, combining in-depth interviews and document analysis to explore emotional instability and strategies for lasting happiness. Nine participants from psychology, neurobiology, and Stoicism fields share personal experiences through narrative analysis, identifying patterns in happiness fluctuations. A comprehensive literature review enhances findings, ensuring validity, credibility, and a holistic understanding of factors influencing emotional well-being.Research reveals happiness is multifaceted, influenced by psychology, neurobiology, and philosophy. Factors like stress, personality, and social support impact emotional stability. Positive psychology emphasizes gratitude, mindfulness, and cognitive restructuring. Stoicism focuses on self-control, acceptance, and living virtuously. Neurobiology highlights the role of brain chemistry and lifestyle factors like diet and exercise. By integrating these perspectives, individuals can cultivate resilience, manage emotions, and enhance overall well-being.This research examines emotional instability and its impact on happiness, combining insights from Positive Psychology, Neurobiology, and Stoicism. Key factors include stress, neurochemical imbalances, and social support. Strategies such as emotional regulation, mindfulness, and resilience-building enhance stability. The study highlights the integration of ancient wisdom and modern science to foster enduring happiness and improve overall well-being.

Henry Farizal; Bambang Sulistyo; Darmawansyah Darmawansyah

Venus: Jurnal Publikasi Rumpun Ilmu Teknik 2026 Asosiasi Riset Ilmu Teknik Indonesia

Landslides in the Giritengah Catchment Area are influenced by several factors, including geological conditions, rainfall intensity, geomorphology, soil characteristics, and inappropriate land use practices, all of which affect regional spatial planning and environmental stability. This study presents a literature review that analyzes landslide vulnerability, evaluates the impact of land use changes, and proposes integrated Soil and Water Conservation Techniques (SWCT) to support sustainable land management. The analysis applies Geographic Information System methods using thematic map overlays such as rainfall distribution, slope gradient, geological structure, and land use patterns. The results show that areas categorized as having high landslide vulnerability cover 44.02% or approximately 158.69 hectares of the catchment area, while areas with very low vulnerability account for only 0.12% or about 0.79 hectares. Land use conversion, particularly mixed dryland agriculture, has increased landslide risk by reducing slope stability and increasing surface runoff. To address this issue, conservation strategies are recommended, including vegetative measures such as greening 38.51 hectares in settlement areas and implementing agroforestry systems across 218.48 hectares. In addition, structural measures such as three dam retainers and twenty gully plugs are proposed in both protected and cultivation zones to support disaster mitigation and align with regional spatial planning policies.

Lenny Maryani S; Abdul Halim; Risnita Risnita

Desentralisasi : Jurnal Hukum, Kebijakan Publik, dan Pemerintahan 2026 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

Domestic violence (DV) remains a complex legal and social problem, threatening family stability and human dignity. Although Law No. 23 of 2004 concerning the Elimination of Domestic Violence provides strict sanctions, conventional punishment methods are often considered ineffective in restoring damaged social relationships within families. This study examines the implementation of restorative justice in resolving domestic violence cases within the Bungo Police jurisdiction, from the perspective of positive law and Islamic law. This study uses an empirical legal approach and a sociological perspective, with primary data collected through interviews with investigators from the Women and Children Protection Unit (PPA), as well as secondary data from laws, police regulations, and related academic literature. The results show that restorative justice has been applied to several domestic violence cases during the investigation stage through mediation and peace agreements between the parties involved. This method helps reduce the backlog of cases, accelerates dispute resolution, and maintains family social stability. However, challenges remain, such as the possibility of re-victimization due to the imbalance of power between victims and perpetrators. From an Islamic legal perspective, restorative justice is in line with the principles of ta'zīr and maqāṣid al-sharī'ah, especially the preservation of human dignity, life and offspring. By guaranteeing the protection of victims and preventing repeated violence, restorative justice can be an additional mechanism in cases of domestic violence.

Syawli Alivian Irawan; Qori Halimatul Hidayah

Mars: Jurnal Teknik Mesin, Industri, Elektro Dan Ilmu Komputer 2026 Asosiasi Riset Teknik Elektro dan Informatika Indonesia

Advances in information technology have driven the transformation of banking services towards digitalization through mobile banking. Bank Central Asia (BCA), one of the largest private banks in Indonesia, offers m-BCA services to facilitate quick, practical, and efficient customer transactions. However, issues such as delayed notifications, system disruptions, and login problems still exist. This study aims to evaluate m-BCA user satisfaction using the PIECES Framework, which consists of six dimensions: Performance, Information, Economy, Control and Security, Efficiency, and Service. A descriptive quantitative approach was used, with a questionnaire distributed to 105 active m-BCA users in South Jakarta. Data were analyzed using mean values to assess satisfaction levels for each dimension, and validity and reliability tests were conducted. The results showed average scores of 4.02 for Performance, 4.08 for Information, 4.08 for Economy, 4.18 for Control and Security, 4.20 for Efficiency, and 4.09 for Service. The overall score of 4.10 falls into the "Satisfied" category. The highest score was for Efficiency, indicating strong support for users’ banking activities, while the Performance dimension scored lower, suggesting room for improvement. Overall, users are satisfied with m-BCA, but system performance improvements are needed for service stability and sustained satisfaction.

M.Fhedry Chandriyadi; Nuzli Rhamadhani

Desentralisasi : Jurnal Hukum, Kebijakan Publik, dan Pemerintahan 2026 Asosiasi Peneliti dan Pengajar Ilmu Hukum Indonesia

The policy of increasing fuel prices is a strategic public policy that has broad implications for the lives of people in Indonesia. Fuel plays an important role in supporting economic activity, distribution of goods, and social mobility. This article aims to analyze the impact of the fuel price increase policy on public interests by emphasizing the current context in Indonesia and the empirical realities that arise in society. This study uses a qualitative approach through literature review and policy analysis. The results of the study show that the increase in fuel prices has a direct impact on the increase in the cost of living, a decline in people's purchasing power, and the emergence of social pressure, especially among low-income groups. Although the government views this policy as a rational step to maintain fiscal stability and the sustainability of energy subsidies, compensation and social protection policies remain key factors in ensuring that the public interest and the goal of community welfare are maintained.

Pamirah Pamirah; Aris Toening W; Permadi Mulajaya

Discourse on Law and Society 2026 International Forum of Researchers and Lecturers

This study aims to analyze the implementation of good governance principles in inclusive public services in Candisari District, Semarang City. The study used a descriptive qualitative approach with data collection techniques through questionnaires, interviews, and documentation. Research informants consisted of sub-district officials and community service users, including vulnerable groups. Data analysis was conducted through the stages of data reduction, data presentation, and conclusion drawing. The results of the study indicate that the implementation of good governance principles in Candisari District has begun, but has not been running optimally. The principle of transparency has been attempted through the provision of service information and the use of digital media, but accessibility of information for vulnerable groups is still limited. The principle of accountability has not been fully realized, as indicated by the less than optimal performance of the Women and Children Protection Task Force (Satgas PPA) in carrying out its duties and the less than optimal inclusive public complaint mechanism. From the aspect of participation, community involvement, especially vulnerable groups, in the planning and decision-making process is still limited and unstructured. In addition, legal certainty and regional security stability are relatively conducive, but still require institutional strengthening and synergy between stakeholders. This study concludes that the implementation of good governance in Candisari District still faces institutional, participation, and service accessibility constraints, so a strategy is needed to strengthen governance to realize inclusive and sustainable public services.

Muhammad Iksan Hamsyah; Revia Oktaviani; Lucia Litha Respati; Tommy Trides; Agus Winarno

Venus: Jurnal Publikasi Rumpun Ilmu Teknik 2026 Asosiasi Riset Ilmu Teknik Indonesia

Mine slopes play a crucial role in ensuring the safety and sustainability of mining activities. Continuous mining operations can alter slope conditions, thereby increasing the potential for instability and slope failures. Slope stability is influenced by the balance between resisting forces and driving forces acting on the rock mass. When the resisting forces are smaller than the driving forces, the slope becomes unstable and failure may occur. Therefore, slope stability analysis is essential to prevent landslide hazards, as it directly affects occupational safety, equipment security, other assets, and overall production continuity. These conditions have encouraged PT Insani Bara Perkasa to develop a more accurate and real-time slope monitoring system. The application of radar-based monitoring was initiated using the CHCNAV PS-2000 system. This study aims to analyze the deformation behavior of mine slopes using radar technology. Data acquisition was conducted at Pit K1 Mahakam, PT Insani Bara Perkasa, covering Area 1 South, AR 2 South, AR 3 South, AR 5 South, AR 6 South, AR 7 West, AR 8 West, AR 9 South, AR 13 South, as well as TA-2, TA-3, and TA-6 areas. The study was carried out from November 2025 to December 2026. The analysis results indicate that most monitoring points are in stable conditions, with indications of a progressive phase observed in the AR 6 South area.

Kurniati, Wenty; Gifelem, Yowel Oktofianus

Proceeding. of The International Conference on Business and Economics 2026 Universitas 17 Agustus 1945 Semarang

This study analyzes the effect of digital payment implementation (X1) and transaction security (X2) on SME development (Y) with financial stability as a mediating variable (Z) in SMEs in Sorong City. This study examines the effect of digital payment implementation and transaction security on SME development with financial stability as a mediating variable. The study was conducted on MSMEs in Sorong City, Eastern Indonesia, using an explanatory quantitative approach. The data were analyzed using Partial Least Squares-based Structural Equation Modeling (SEM-PLS). The results of the study prove that the implementation of digital payments and transaction security has a positive and significant effect on financial stability. Furthermore, financial stability was found to have a positive and significant effect on MSME development, while fully mediating the effect of transaction security and partially mediating the effect of digital payment implementation on MSME development. These findings contribute to an integrated conceptual model that combines the technology acceptance paradigm with financial management theory, and provide a strategic roadmap for policymakers and implementation guidelines for MSME actors.

Alvin Bachtiar; Agus Prihanto

Neptunus: Jurnal Ilmu Komputer Dan Teknologi Informasi 2026 Asosiasi Riset Teknik Elektro dan Informatika Indonesia

The increasing integration of internet technology in educational institutions requires structured network governance to ensure that digital resources support academic activities effectively. Unrestricted access to online platforms often leads to non-academic usage such as online gaming and social media engagement during instructional hours, which may reduce learning concentration and degrade network performance. This research develops and evaluates a network access control simulation using a MikroTik RouterBoard RB951Ui-2HnD device. The system applies firewall filtering mechanisms, hotspot-based authentication, and bandwidth allocation strategies through Simple Queue configuration. Network segmentation is implemented to differentiate teacher and student access privileges. The study adopts a Research and Development (R&D) approach to design, configure, test, and evaluate the proposed system. Testing results indicate that the firewall configuration successfully restricts access to selected online games (Mobile Legends, Clash of Clans, Roblox) and social media platforms (YouTube, TikTok, Shopee, Instagram, Telegram). Furthermore, bandwidth management demonstrates effective traffic prioritization, ensuring more stable allocation for teacher accounts in accordance with configured maximum limits. The findings confirm that structured firewall and bandwidth policies can improve network discipline, enhance performance stability, and support a controlled digital learning environment in schools.

Widi Amalia; Marzuti Isra; Suhendri Suhendri; Purjianto Purjianto; Agung Rizky Syah Alam Harahap +3 more

2026 Asosiasi Riset Ilmu Manajemen dan Bisnis Indonesia

The development of the palm oil industry in Indonesia typically relies on collaboration with smallholder farmers, but this collaboration often faces various problems such as poor cultivation techniques, lack of technical guidance, unclear administrative matters, and limited access to certification and markets. This study aims to develop a specific human resource management model to support collaboration with smallholder farmers, thereby improving production yields, sustainability, and engagement in the palm oil supply chain. The method used is a desk study, namely by analyzing and reconstructing information from research results, industry reports, and palm oil certification and sustainability policies. Based on the analysis, a career structure and Human Resource Management functions are proposed, consisting of collaboration supervisors, field officers, capacity training officers, collaboration administration staff, and collaboration/certification managers. This model allows for technical and administrative assistance, training for farmers, collaboration coordination, and certification and compliance management. The implementation of this model is predicted to improve cultivation quality, improve smallholder access to certification and markets, and strengthen the stability and sustainability of the supply chain. Thus, the HR model for smallholders offers a strategic solution to the various challenges of working with smallholders and supports the development of a socially, economically, and environmentally sustainable palm oil agribusiness sector.

Widi Amalia; Marzuti Isra; Suhendri Suhendri; Purjianto Purjianto; Agung Rizky Syah Alam Harahap +3 more

Jurnal Kewirausahaan Cerdas dan Digital 2026 Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

The development of the palm oil industry in Indonesia typically relies on collaboration with smallholder farmers, but this collaboration often faces various problems such as poor cultivation techniques, lack of technical guidance, unclear administrative matters, and limited access to certification and markets. This study aims to develop a specific human resource management model to support collaboration with smallholder farmers, thereby improving production yields, sustainability, and engagement in the palm oil supply chain. The method used is a desk study, namely by analyzing and reconstructing information from research results, industry reports, and palm oil certification and sustainability policies. Based on the analysis, a career structure and Human Resource Management functions are proposed, consisting of collaboration supervisors, field officers, capacity training officers, collaboration administration staff, and collaboration/certification managers. This model allows for technical and administrative assistance, training for farmers, collaboration coordination, and certification and compliance management. The implementation of this model is predicted to improve cultivation quality, improve smallholder access to certification and markets, and strengthen the stability and sustainability of the supply chain. Thus, the HR model for smallholders offers a strategic solution to the various challenges of working with smallholders and supports the development of a socially, economically, and environmentally sustainable palm oil agribusiness sector.

Andi Isra’ Amalia; Sri Astuty; Abdul Rajab; Muhammad Syafri; Irwandi Irwandi

International Journal of Economics and Management Sciences 2026 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This study investigates the factors influencing export performance in five ASEAN countries Indonesia, Malaysia, the Philippines, Singapore, and Thailand during the 2014-2023 period. The topic is highly relevant given the vital role of exports in sustaining monetary stability and promoting long-term economic growth. The novelty of this research lies in its integrated approach, which simultaneously examines key export-related macroeconomic variables, namely foreign direct investment and inflation, while incorporating foreign exchange reserves as a moderating variable an approach that remains limited in existing ASEAN-focused studies. This analysis uses secondary data obtained from the World Bank and processed using panel data regression methods, including the Common Effect Model, Fixed Effect Model, and Random Effect Model, strengthened by a Moderated Regression Analysis (MRA) approach. The results show that foreign direct investment and inflation significantly influence foreign exchange reserves. Furthermore, foreign exchange reserves have been shown to play a strategic role in strengthening the economic resilience of ASEAN countries and can be used as a reference in formulating monetary and international trade policies.

Puspa Ayu Widhi Pangestu; Priyanto Priyanto; Ulul Albab; Sri Kamariyah

International Journal of Social Sciences and Communication 2026 International Forum of Researchers and Lecturers

This article examines administrative capacity at the local government level as a critical determinant of the effective implementation of grants for Early Childhood Education (ECE), a policy domain widely recognized as a strategic public investment with long-term social and economic returns. Despite the growing reliance on subnational grants to finance ECE services across diverse governance systems, implementation outcomes remain uneven, frequently constrained by limited administrative capacity, weak public financial management, fragmented governance arrangements, and fragile accountability mechanisms. Responding to these challenges, this study aims to synthesize and critically assess the international literature to clarify how administrative capacity shapes the design–implementation nexus of local government ECE grants and to identify the institutional, managerial, and fiscal conditions under which such grants are more likely to achieve their intended objectives. Methodologically, the article adopts a conceptual–comparative literature review approach, drawing on a systematic search of peer-reviewed journal articles from major academic databases and applying thematic synthesis to integrate findings across governance contexts and policy traditions. The review is anchored in Administrative Capacity Theory and analytically enriched through insights from policy implementation theory, public financial management, good governance, and public accountability. The synthesized findings demonstrate that administrative capacity operates as a multidimensional and relational construct, encompassing institutional coherence, managerial coordination, human resource competence, procedural stability, and analytical capability. The literature consistently shows that weaknesses across these dimensions undermine grant implementation through delays, inefficiencies, limited oversight, and uneven service quality, while strong capacity enables more predictable, accountable, and effective ECE grant governance.

Abdihakin Mohamoud Ibrahim

International Journal of Economics, Commerce, and Management 2026 Asosiasi Riset Ekonomi dan Akuntansi Indonesia

This paper examines how Somaliland’s liberalized, privately led telecommunications sector, once a state monopoly and now dominated by local firms, has become a driver of economic growth, financial inclusion, and infrastructure development, with Telesom as the leading example. Drawing on sectoral history, market composition, and coverage data, the study shows how Telesom and its competitors have built nationwide networks, delivered low-cost services, and enabled mobile money-based financial services in the context of weak formal banking. Focusing on Telesom’s ZAAD platform, the paper analyzes its ecosystem business model (salary payments, merchant networks, and high-frequency transactions), its contribution to financial inclusion, and its alignment with international anti–money laundering and customer due diligence standards. At the same time, it identifies ethical and prudential gaps, especially the absence of formal deposit protection, limited transparency in financial reporting and taxation, and the lack of an independent telecommunications regulator, which pose risks to consumers and systemic stability. Overall, the paper argues that Telesom illustrates how sustainable finance in telecommunications can combine innovation, inclusion, and profitability, provided that stronger governance, disclosure, and consumer protection frameworks are implemented to secure long-term sector resilience.