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Analisis Inklusi Keuangan dan Pertumbuhan Inklusif terhadap Kesempatan Kerja dan Ketimpangan Pendapatan di Indonesia : Menggunakan Pendekatan Panel Simultan Sri Ningsih; Nuriah Alfisyahri; Deki Irawan; Rian Putra
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 2 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i2.26293

Abstract

This study aims to analyze the relationship between Financial Inclusion and Inclusive Growth in Indonesia. Financial inclusion is calculated using the Financial Inclusion Index, Inclusive Growth is measured using the Poverty Equivalent Growth Rate (PEGR) method. This study used the Simultaneous Panels data with the ILS (Indirect Least Square) method to analyze the effect of exogenous variables on endogenous variables. Utilizing secondary data, the data in this study is time series and cross-sections from 2019 – 2023. The results of this study conclude that financial inclusion in Indonesia is still "Low Inclusion" while inclusive growth in employment opportunities shows that Indonesia is in the "Not Pro Jobs" inclusive category and inclusive growth in income inequality is in the "Not Pro Poor Yet" category. The relationship between financial inclusion and inclusive growth leads to a positive and significant relationship to inclusive growth in Indonesia. These findings indicate that financial inclusion can be an important factor in achieving inclusive economic growth in Indonesia.
ANALISIS STRATEGIS PERAN E-COMMERCE, QRIS, DAN DIGITALISASI UMKM DALAM MEMPERKUAT DAYA TAHAN EKONOMI PROVINSI JAMBI: PENDEKATAN PESTEL Dwi Hastuti; Nuriah Alfisyahri; Deki Irawan; Rian Putra; Raihan Fajri Ramadhan
ECONOMIST: Jurnal Ekonomi dan Bisnis Vol. 3 No. 4 (2026): October 2026
Publisher : CV Sentra Nusa Connection

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63545/economist.v3i4.342

Abstract

Perekonomian Provinsi Jambi memerlukan penguatan kapasitas adaptif untuk menghadapi kerentanan struktural dan guncangan eksternal. Penelitian ini menganalisis peran strategis e-commerce, QRIS, dan digitalisasi UMKM dalam memperkuat daya tahan ekonomi daerah menggunakan pendekatan PESTEL (Politik, Ekonomi, Sosial, Teknologi, Lingkungan, dan Hukum) dengan metode deskriptif kualitatif berbasis data sekunder periode 2020–2025. Hasil analisis menunjukkan bahwa adopsi e-commerce dan QRIS mampu memperluas akses pasar, meningkatkan efisiensi transaksi, serta memperbaiki manajemen usaha. Namun, implementasinya masih menghadapi hambatan berupa keterbatasan literasi digital, kesenjangan infrastruktur, dan lemahnya integrasi data. Oleh karena itu, diperlukan peta jalan transformasi digital UMKM yang terintegrasi, inklusif, dan berkelanjutan guna mengoptimalkan kontribusi UMKM dalam menopang stabilitas dan ketahanan ekonomi Provinsi Jambi.