Promoting Anti-Fraud Culture in Indonesian Labor Migration for Economic Growth

This research examines the related the Constitution ensures that every citizen has the right to obtain decent employment and livelihood. This provision signifies the state’s responsibility to provide opportunities for citizens to work both domestically and abroad as Indonesian Migrant Workers (PMI)....

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Main Author: Mustika Prabaningrum Kusumawati
Format: Article
Language:English
Published: University of Merdeka Malang 2025-04-01
Series:Jurnal Cakrawala Hukum
Subjects:
Online Access:https://jurnal.unmer.ac.id/index.php/jch/article/view/10230
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author Mustika Prabaningrum Kusumawati
author_facet Mustika Prabaningrum Kusumawati
author_sort Mustika Prabaningrum Kusumawati
collection DOAJ
description This research examines the related the Constitution ensures that every citizen has the right to obtain decent employment and livelihood. This provision signifies the state’s responsibility to provide opportunities for citizens to work both domestically and abroad as Indonesian Migrant Workers (PMI). Limited job opportunities are seen as a major reason why many Indonesians prefer working overseas as PMI rather than facing unemployment at home. The continuous growth in the number of PMI, along with rapid technological advancements each year, has led to a greater risk of fraud, particularly the emergence of fake remittance agents across interconnected countries. To foster an anti-fraud culture in the deployment of PMI and to enhance trust and convenience in financial transactions, it is essential to develop an integrated, technology-based ecosystem. At least eight supporting elements are needed to establish this system: government institutions, banking sectors, fintech companies, educational institutions, marketing models, officially registered PMI placement agencies, procedural management for PMI, and PMI-related data analysis. The remittances sent by PMI are expected to contribute significantly to Indonesia’s economic growth.
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spelling doaj-art-c3af4d9ba65e46b8bc4fb71a9f1800072025-08-20T02:07:55ZengUniversity of Merdeka MalangJurnal Cakrawala Hukum2356-49622598-65382025-04-011611810.26905/idjch.v16i1.102308144Promoting Anti-Fraud Culture in Indonesian Labor Migration for Economic GrowthMustika Prabaningrum Kusumawati0Islamic University of IndonesiaThis research examines the related the Constitution ensures that every citizen has the right to obtain decent employment and livelihood. This provision signifies the state’s responsibility to provide opportunities for citizens to work both domestically and abroad as Indonesian Migrant Workers (PMI). Limited job opportunities are seen as a major reason why many Indonesians prefer working overseas as PMI rather than facing unemployment at home. The continuous growth in the number of PMI, along with rapid technological advancements each year, has led to a greater risk of fraud, particularly the emergence of fake remittance agents across interconnected countries. To foster an anti-fraud culture in the deployment of PMI and to enhance trust and convenience in financial transactions, it is essential to develop an integrated, technology-based ecosystem. At least eight supporting elements are needed to establish this system: government institutions, banking sectors, fintech companies, educational institutions, marketing models, officially registered PMI placement agencies, procedural management for PMI, and PMI-related data analysis. The remittances sent by PMI are expected to contribute significantly to Indonesia’s economic growth.https://jurnal.unmer.ac.id/index.php/jch/article/view/10230anti fraudpmiremittance
spellingShingle Mustika Prabaningrum Kusumawati
Promoting Anti-Fraud Culture in Indonesian Labor Migration for Economic Growth
Jurnal Cakrawala Hukum
anti fraud
pmi
remittance
title Promoting Anti-Fraud Culture in Indonesian Labor Migration for Economic Growth
title_full Promoting Anti-Fraud Culture in Indonesian Labor Migration for Economic Growth
title_fullStr Promoting Anti-Fraud Culture in Indonesian Labor Migration for Economic Growth
title_full_unstemmed Promoting Anti-Fraud Culture in Indonesian Labor Migration for Economic Growth
title_short Promoting Anti-Fraud Culture in Indonesian Labor Migration for Economic Growth
title_sort promoting anti fraud culture in indonesian labor migration for economic growth
topic anti fraud
pmi
remittance
url https://jurnal.unmer.ac.id/index.php/jch/article/view/10230
work_keys_str_mv AT mustikaprabaningrumkusumawati promotingantifraudcultureinindonesianlabormigrationforeconomicgrowth