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Pengaruh Kondisi Sosial Ekonomi Rumah Tangga Terhadap Status Putus Sekolah Anak Di Indonesia Agusti, Rahma Dwi; Marta, Joan; Idris, Idris
Jurnal Kajian Ekonomi dan Pembangunan Vol 7, No 1 (2025): Jurnal Kajian Ekonomi dan Pembangunan (Maret 2025)
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/jkep.v7i1.17261

This study aims to analyze: (1) How does the occupation of the head of the household affect the dropout status of children, (2) How does the number of household members affect the dropout status of children, (3) How does the employment status of the head of the household affect the dropout status of children, (4) How does the poverty status of the head of the household affect the dropout status, (5) How does the area of residence affect the dropout status, (6) What is the effect of parental completeness on dropout status, (7) What is the effect of Indonesia Smart Card ownership on child dropout status, (8) What is the effect of working child status on child dropout status, (9) What is the effect of birth order on dropout status, (10) What is the effect of child disability on child dropout status. The data used in this study are cross section data collected from the 2020 SUSENAS KOR data. This research method uses logistic regression analysis technique. Based on the results of this study, it shows that the education of the head of the household, the occupation of the head of the household, the receipt of KIP and disability have a negative and significant effect on the dropout status of children and the variables of the number of children in the household, poverty, region, parental completeness, children's occupation, birth order have a positive and significant effect on the dropout status of children in Indonesia.

Peran Pendidikan dan Penguasaan Teknologi terhadap Permintaan Layanan Finansial di Indonesia Fahriza, Muhammad; Marta, Joan
Jurnal Kajian Ekonomi dan Pembangunan Vol 7, No 1 (2025): Jurnal Kajian Ekonomi dan Pembangunan (Maret 2025)
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/jkep.v7i1.17254

This study aims to determine the role of education and mastery of technology on the demand for financial services in Indonesia. This study uses secondary data sourced from the 2020 National Socio-Economic Survey (SUSENAS) through the Central Statistics Agency (BPS). The unit of analysis used is households spread across 34 provinces in Indonesia with a sample size of 334,229 households. This study uses a quantitative research design using a data analysis method is logistic regression analysis using the odd ratio equation and using the marginal effect as the average value/change, with hypothesis testing (G test and Z test), using data processing using Stata-14. The results of this study indicate that the role of education has a positive and significant effect on the demand for financial services in Indonesia. mastery of technology has a positive and significant effect on the demand for financial services in Indonesia. The findings of this study are that household demographic and geographic factors, such as gender, age, employment status, per capita expenditure, place of residence, and area of residence, show varying results in their influence on different financial services.

UNDERSTANDING THE FACTORS INFLUENCING BANKING CUSTOMERS’ FINANCIAL ASSET OWNERSHIP Yumna, Aimatul; Marta, Joan
Journal of Islamic Monetary Economics and Finance Vol. 7 No. 1 (2021)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v7i1.1330

The objective of this study is to evaluate the factors which influence banking customers' financial asset ownership. Using the pyramid of Maslahah framework, the study classifies the needs of banking customers into four levels: those for basic financial services (hajjiyat); for financial assets for security or as a precaution (darruriyat); for financial assets for investment (tahsiniyah); and those for financial assets for religious purposes. To answer the research questions, a binomial logistic model was applied and the primary data were collected using a questionnaire survey with 300 respondents in Indonesia. It was found that the pattern of ownership of financial assets follows the order proposed in the theory of the pyramid of Maslahah. The study also found that financial asset ownership for transaction needs was mainly influenced by the variables of income and credit and that ownership of such assets for security or precautionary needs was largely determined by life cycle variables. In addition, ownership for investment needs was strongly influenced by the level of education, and for religious needs it was mainly determined by income levels and life cycle variables. The study findings provide important information for mapping the financial needs of Islamic banking customers. ACKNOWLEDGMENT This research was funded by the Department of Sharia Banking of the Indonesian Financial Services Authority under the Research Fellowship Program 2016.

Peran Pendidikan dan Penguasaan Teknologi terhadap Permintaan Layanan Finansial di Indonesia Fahriza, Muhammad; Marta, Joan
Media Riset Ekonomi Pembangunan (MedREP) Vol. 2 No. 2 (2025): MedREP: Volume 2, No. 2, Juni 2025
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar

This study aims to determine the role of education and mastery of technology on the demand for financial services in Indonesia. This study uses secondary data sourced from the 2020 National Socio-Economic Survey (SUSENAS) through the Central Statistics Agency (BPS). The unit of analysis used is households spread across 34 provinces in Indonesia with a sample size of 334,229 households. This study uses a quantitative research design using a data analysis method is logistic regression analysis using the odd ratio equation and using the marginal effect as the average value/change, with hypothesis testing (G test and Z test), using data processing using Stata-14. The results of this study indicate that the role of education has a positive and significant effect on the demand for financial services in Indonesia. mastery of technology has a positive and significant effect on the demand for financial services in Indonesia. The findings of this study are that household demographic and geographic factors, such as gender, age, employment status, per capita expenditure, place of residence, and area of residence, show varying results in their influence on different financial services

Pengaruh Inklusi Keuangan Terhadap Kesejahteraan Rumah Tangga: Pendekatan Diversifikasi Konsumsi Berbasis Entropi Setiawati, Indah Sopia; Joan Marta
Media Riset Ekonomi Pembangunan (MedREP) Vol. 2 No. 2 (2025): MedREP: Volume 2, No. 2, Juni 2025
Publisher : Universitas Negeri Padang

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This study aims to analyze the impact of financial inclusion on household welfare in Indonesia using a consumption diversification approach based on entropy. The data used is sourced from the 2020 National Socioeconomic Survey (SUSENAS) and analyzed using the Two-Stage Least Squares (2SLS) method. The Theil entropy index is applied to measure the level of household consumption diversification as an indicator of welfare. The results show that financial inclusion, through ownership of savings accounts and insurance, positively affects household consumption expenditure, while access to formal credit has a negative impact. Education level of the household head and region of residence also significantly influence consumption, with households in Java tending to have higher expenditure. Household consumption has a negative relationship with food consumption diversification but a positive relationship with non-food diversification, reflecting a shift in consumption patterns consistent with Engel’s Law. Furthermore, consumption diversification patterns are influenced by region, where households outside Java exhibit more diverse food consumption, while those in Java show greater non-food consumption diversity. Overall, access to financial services can encourage diversified consumption patterns that serve as key indicators in assessing household welfare.

Dampak Akses Finansial Terhadap Peningkatan Kualitas Sumber Daya Manusia Meisy Amelia Putri; Marta, Joan
Media Riset Ekonomi Pembangunan (MedREP) Vol. 2 No. 2 (2025): MedREP: Volume 2, No. 2, Juni 2025
Publisher : Universitas Negeri Padang

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Enrolment in higher education is one of the indicators in improving the quality of human resources, but the cost of higher education continues to increase every year. This study aims to examine the impact of financial access on improving the quality of human capital. By using the variables of formal credit, personal loans, and leasing as indicators of financial access and participation of children aged 18 years and over continuing education to higher education as an indicator of the quality of human resources. This research uses logistic regression analysis with SUSENAS 2020 data. The results show that formal credit has a higher chance of continuing education to college than personal loans and leasing. Other factors such as education of the household head, occupation of the household head, age of the household, gender of the child, birth order of the child, completeness of parents, household consumption, region of residence, and region of residence all have a significant effect on children's participation in higher education. Improving financial access and ease of policy is recommended to increase children's participation in higher education in Indonesia.

Dampak Pembangunan Keuangan Terhadap Pembangunan Manusia di Negara Berkembang Friesshya, Olia Vioni Cici; Marta, Joan
Media Riset Ekonomi Pembangunan (MedREP) Vol. 2 No. 2 (2025): MedREP: Volume 2, No. 2, Juni 2025
Publisher : Universitas Negeri Padang

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This study aims to analyze the impact of financial development on human development in developing countries. This study uses macro data sourced from the World Bank and the International Monetary Fund. This study analyzes 30 developing countries from 2005-2022. The research uses a quantitative research design using the data analysis method, namely Fully-Modified OLS (FMOLS) in E-views 12. The results of this analysis show that broad money is positive and significant on the human development index and tertiary school enrollment. Private sector credit has a positive and significant effect on human development index and tertiary school enrollment. This study shows the impact of financial development on human development in developing countries. This research is expected to serve as a basis for policy planning in order to improve human development in developing countries.

Determinan Pengangguran Terselubung di Sumatera Barat Hidayat, Alvin; Joan Marta
Media Riset Ekonomi Pembangunan (MedREP) Vol. 2 No. 2 (2025): MedREP: Volume 2, No. 2, Juni 2025
Publisher : Universitas Negeri Padang

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Since the 1998 monetary crisis, Indonesia's economy has grown positively, but This study aims to determine and analyze the impact of disguised unemployment determinants in West Sumatra. The study secondary data sourced from the National Economic Survey (SAKERNAS) issued by the Central Statistic Agency (BPS). With variables grouped into two parts, namely the dependent variable wich in this study uses disguised unemployment and the independent variables of education, employment, age, work experience and gender. This study is descriptive ang inductive, this study uses logistic regression anlysis with a cross section in 2020 in West Sumatra. The resultd of study show thet education, employment, age, work experience and gender have a positive and significant effect on disguised unemployment in West Sumatra.

Kesenjangan Upah Gender Sektor Informal di Indonesia Rivatul Aini; Joan Marta
Media Riset Ekonomi Pembangunan (MedREP) Vol. 2 No. 3 (2025): MedREP: Volume 2, No. 3, Agustus 2025
Publisher : Universitas Negeri Padang

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Wages for workers in the informal sector are generally lower than those in the formal sector, and the gender wage gap exacerbates this condition. This quantitative study analyzes the gender wage gap in Indonesia’s informal sector using variables such as education, work experience, training, region of residence, marital status, and gender as a moderating factor. Data from the 2020 National Labor Force Survey (SAKERNAS) were analyzed using Ordinary Least Squares (OLS) regression, robust regression, and the Blinder–Oaxaca decomposition. The results show that all variables have a significant effect on wages, while the Blinder–Oaxaca analysis reveals that the gap primarily stems from unexplained factors, which reflect gender discrimination. This study emphasizes the need for policies to improve access to education, training, and protection for female workers to reduce the gender wage gap in the informal sector.

Analisis Efisiensi Pengeluaran Sosial Pemerintah terhadap Pembangunan Manusia di Indonesia : Studi dengan Pendekatan DEA dan Regresi Tobit Ziko Fenando Agusto ziko; Joan Marta
Media Riset Ekonomi Pembangunan (MedREP) Vol. 2 No. 3 (2025): MedREP: Volume 2, No. 3, Agustus 2025
Publisher : Universitas Negeri Padang

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This study aims to analyze the efficiency of government social spending in the education, health, and economic sectors and its impact on human development in Indonesia by employing the Data Envelopment Analysis (DEA) method and Tobit regression to examine the influence of external factors on efficiency. The findings reveal that the efficiency of government social spending varies across provinces, with most provinces recording high efficiency in the education and health sectors, while the economic sector still faces efficiency challenges. Population growth rate and land area were found to have a negative effect on efficiency, as rapid population growth and large territorial size create obstacles in resource allocation and distribution. Conversely, foreign direct investment (FDI) has a positive and significant effect on efficiency in all sectors.

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