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All Journal Jurnal Ilmiah Edunomika (JIE)
Yoan Purnamasari Makapuase Bahalau
Akademi Bisnis dan Keuangan Primaniyarta
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

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BUNGA RAMPAI KEBIJAKAN MENTERI KEUANGAN PURBAYA YUDHI SADEWA DENGAN REKOMENDASI KEBIJAKAN PENGEMBANGAN UMKM: STUDI KASUS SULAWESI UTARA Yoan Purnamasari Makapuase Bahalau
JURNAL ILMIAH EDUNOMIKA Vol. 10 No. 2 (2026): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v10i2.19670

Abstract

This study examines the fiscal and financial policies of Indonesian Minister of Finance Purbaya Yudhi Sadewa (inaugurated September 8, 2025) and their relevance to the development of Micro, Small, and Medium Enterprises (MSMEs) in North Sulawesi Province. Using a qualitative descriptive approach with literature study and policy analysis methods, this research identifies four main policy instruments: (1) Rp200 trillion liquidity injection into state-owned banks; (2) 0.5% Final Income Tax incentive for MSMEs; (3) transformation plan of PNM into a National MSME Bank; and (4) implementation of Law No. 4/2023 on Financial Sector Development and Strengthening (UU P2SK) and OJK MSME Regulation. Findings show that while North Sulawesi recorded 37.6% MSME growth (from 44,308 units in 2022 to 60,961 units in 2023) and 5.39% economic growth throughout 2024, the transmission of central fiscal policy still faces structural barriers including digital divide between urban and remote island areas, low financial literacy, and fintech concentration in Java. This study recommends accelerating an inclusive digital financial ecosystem based on archipelago characteristics, strengthening regional banking intermediation, and improving MSME digital literacy as prerequisites for the effectiveness of Minister Purbaya's policies in North Sulawesi. Keywords : Fiscal Policy; Minister Purbaya; MSME ; Noerth Sulawesi; Digital Finance; Finance Inclusion
EKSPLORASI KEPERCAYAAN NASABAH (CUSTOMER TRUST): DAMPAK PROFESIONALISME SDM DAN TRANSPARANSI SISTEM PEMBAYARAN DIGITAL PADA PROYEK PERUMNAS JAWA TIMUR Imam Santoso; Yoan Purnamasari Makapuase Bahalau; Zerah Elisa Derek
JURNAL ILMIAH EDUNOMIKA Vol. 10 No. 2 (2026): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v10i2.19822

Abstract

This study investigates the influence of Human Resource (HR) Professionalism and Digital Payment System Transparency on Customer Trust among buyers of Perumnas housing projects in East Java Province. Using a quantitative approach with a survey method, data were collected from 150 respondents who had actively used Perumnas digital payment services. Data analysis was conducted using Structural Equation Modeling-Partial Least Squares (SEM-PLS) with SmartPLS software. The results indicate that HR Professionalism has a significant positive effect on Customer Trust (path coefficient = 0.412, t-statistic = 4.321, p < 0.01), and Digital Payment System Transparency also significantly and positively influences Customer Trust (path coefficient = 0.387, t-statistic = 3.987, p < 0.01). Simultaneously, both variables explain 61.3% of the variance in Customer Trust (R2 = 0.613). The findings suggest that Perumnas East Java should continuously invest in HR capacity development and enhance the transparency of its digital payment platform to strengthen customer confidence in the housing procurement process. Keywords : Customer Trust; Digital Payment; HR Professionalism; Perumnas; Transparency
Co-Authors Imam Santoso Zerah Elisa Derek