Stella Melin
Department of Finance and Banking, Akademi Keuangan dan Perbankan Grha Arta Khatulistiwa, Pontianak, West Kalimantan, Indonesia

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Inclusive Economic Development in Landak Regency A Descriptive Analysis of Economic Growth, Human Development, and Poverty Lusia Sedati; Agusandi Agusandi; Stella Melin; Samuel Samuel
Vifada Management and Digital Business Vol. 3 No. 1 (2026)
Publisher : Yayasan Vifada Cendikia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70184/ncqc5t09

Abstract

This study aims to analyze the development of inclusive economic development in Landak Regency during the 2015-2024 period based on three main indicators: economic growth, human development, and poverty. This study employs a descriptive quantitative approach using secondary data obtained from Statistics Indonesia and various statistical publications related to Landak Regency. The analysis was conducted using descriptive statistics, annual development analysis, change analysis, and trend analysis without testing causal relationships or applying inferential statistical tests. The results show that economic growth in Landak Regency fluctuated throughout the study period. Economic growth reached 5.11 percent in 2015, contracted by -0.71 percent in 2020 due to the COVID-19 pandemic, and subsequently recovered to positive growth, reaching 4.54 percent in 2024. Human development demonstrated a consistent improvement, as reflected in the increase in the Human Development Index (HDI) from 64.12 in 2015 to 69.13 in 2024, representing an increase of 5.01 points. Meanwhile, the percentage of the poor population declined from 13.51 percent in 2015 to 8.98 percent in 2024, representing a decrease of 4.53 percentage points. Overall, Landak Regency demonstrated positive progress toward more inclusive economic development through improvements in human development and poverty reduction, although economic growth remained fluctuating and the benefits of development were not yet fully distributed evenly. Therefore, inclusive economic development should be directed toward strengthening growth based on leading economic sectors, improving human capital, expanding access to basic services, and increasing the productive capacity of poor and vulnerable communities.  
Internalizing Financial Literacy Culture through Project-Based Experiential Learning: Evidence from Indonesian University Students Stella Melin; Gumarus Satriawisti; Agusandi Agusandi; Samuel Samuel
Vifada Management and Digital Business Vol. 3 No. 1 (2026)
Publisher : Yayasan Vifada Cendikia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70184/56nf9p25

Abstract

Financial literacy has become an essential competency for university students in responding to increasingly complex financial environments. Nevertheless, financial education is still predominantly delivered through theoretical instruction, resulting in limited behavioral changes in everyday financial practices. This study explores how financial literacy culture is internalized through project-based experiential learning among university students. Employing an exploratory qualitative approach with Reflexive Thematic Analysis, the study involved 50 students who participated in a semester-long saving and investment project. Data were collected through in-depth interviews and reflective storytelling and analyzed using the six-stage framework proposed by Braun and Clarke. The analysis identified six interconnected themes: (1) financial literacy as a new experience, (2) transformation of awareness toward the value of money, (3) consistency as the primary challenge in developing financial behavior, (4) the emergence of financial security through emergency savings, (5) continuation of saving and investment behavior, and (6) internalization of financial literacy culture through experiential learning. The findings demonstrate that direct financial experience not only improves students’ financial knowledge but also reshapes their attitudes, strengthens self-control, encourages long-term financial planning, and fosters continued financial behavior. The study contributes to the development of experiential learning as an effective pedagogical approach for strengthening financial literacy culture among university students.