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All Journal Journal of Economic, Bussines and Accounting (COSTING) Syntax Idea Jurnal Ilmiah Edunomika (JIE) Jurnal Syntax Imperatif : Jurnal Ilmu Sosial dan Pendidikan Journal of Artificial Intelligence and Digital Business SABAJAYA Jurnal Pengabdian Kepada Masyarakat Journal Markcount Finance Juni-Jurnal Pelita Nusa West Science Social and Humanities Studies West Science Islamic Studies Nomico JIPITI: Jurnal Pengabdian kepada Masyarakat Jurnal Istimā, Jurnal Pengabdian kepada Masyarakat: Inklusi Sosial dan Pemberdayaan Masyarakat Nomico
Nurnaningsih, Rita
STAI Pelita Nusa
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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A COMPARATIVE STUDY: THE IMPACT OF MICROFINANCE ON COMMUNITY WELFARE IN RURAL AND URBAN AREAS OF INDONESIA Suarmanayasa, I Nengah; Nurnaningsih, Rita; Lubis, Zurlina; Hermansyah, Eko Nur; Astutik, Wahyuni Sri
Journal of Economic, Bussines and Accounting (COSTING) Vol. 9 No. 1 (2026): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/xtf0h728

Abstract

This study investigates the differential impact of microfinance on household welfare in rural and urban areas of Indonesia through a quantitative comparative analysis. Employing data from the 2018 National Socioeconomic Survey (SUSENAS) covering 294,426 households across Indonesia's 38 provinces, this research utilizes binary logistic regression and propensity score matching to assess welfare outcomes. The findings reveal that microfinance access significantly improves household welfare indicators in both settings, with statistically significant stronger effects observed in rural areas (coefficient: 0.312, p<0.01) compared to urban areas (coefficient: 0.197, p<0.01). Rural households with microfinance access demonstrate a 29% increase in monthly income and 23% improvement in consumption expenditure, while urban households exhibit 17% and 14% increases respectively. The study identifies loan purpose, monthly income, interest rates, education level, and household size as significant predictors of welfare improvement. Results indicate that rural poverty rates decreased from 12.22% to 11.79%, while urban poverty declined from 7.29% to 7.09% between 2023-2024. These findings suggest that microfinance serves as a more effective poverty alleviation mechanism in rural contexts, primarily due to limited alternative financial access and higher vulnerability to income shocks. Policy implications emphasize the need for geographically differentiated microfinance strategies that account for rural-urban disparities in financial infrastructure, entrepreneurial ecosystems, and socioeconomic conditions.
Financial Literacy on PayLater for College Students to Prevent Compulsive Spending Rita Nurnaningsih; Irzan Soepriyadi; Dipa Teruna Awaludin; Meike Negawati Kesek; Kampono Imam Yulianto
JIPITI: Jurnal Pengabdian kepada Masyarakat Vol. 3 No. 2 (2026): Mei 2026 - JIPITI: Jurnal Pengabdian kepada Masyarakat
Publisher : PT. Technology Laboratories Indonesia (TechnoLabs)

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Abstract

Advances in financial technology have introduced a variety of digital payment services that are increasingly accessible to the public, including the PayLater feature. The convenience offered by this service provides benefits in supporting flexible financial transactions. However, on the other hand, the use of PayLater without adequate financial literacy has the potential to encourage excessive spending, particularly among college students who are in the transition phase toward financial independence. Therefore, this community service activity aims to enhance students’ understanding of the prudent use of PayLater, introduce the risks that may arise from uncontrolled use, and foster awareness of the importance of personal financial management. The activity was conducted online using an interactive educational method that included material delivery, discussions, case studies, and an evaluation of participants’ understanding. The material covered the basic concepts of PayLater, the benefits and risks of its use, its impact on consumerist behavior, and strategies for healthy financial management. The results of the activity showed an increase in participants’ understanding of responsible PayLater usage and the importance of considering financial capacity before making transactions. Additionally, participants demonstrated a shift in perception regarding the use of digital credit services, placing greater emphasis on needs rather than wants.
Co-Authors Adolf Z. D. Siahay Ana Ima Sofana Asbullah, M. Astutik, Wahyuni Sri Bagus Hari Sugiharto Cahyo M, Eko Diah Fauziah Dipa Teruna Awaloedin Eko Nur Hermansyah Fauziah, Diah Gastriani, Ovi Prina Hardian , Kiki Hartika, Ika Hutabarat, Metyria Imelda I Nengah Suarmanayasa Irzan Soepriyadi Jauhari, Burhanuddin Judijanto, Loso Kampono Imam Yulianto Karomah , Nurul Giswi Lasaksi, Pardin Loso Judijanto Lubis, Zurlina Ma’mun, Saepul Meike Negawati Kesek Muflih Adi Laksono Nani Nani Nur Ramdhan, Rahmat Nurina, Nabila Pahrijal, Rival Pardin Lasaksi Ramdani, Dito Rival Pahrijal Rivaldianda Putra, Dwiara Rizkyani Putri , Devita Safari, M. Dedy Eko Trisyono Sarkowi, Sarkowi Solihin, Dadin Surya, Rahadiyan Sutira , Andri Tunggara, Imam Yusniar, Yusniar