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All Journal Revitalisasi : Jurnal Ilmu Manajemen Commodities, Journal of Economic and Business
Fitriyanto, Doni
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Economics, Econometrics & Finance

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Journal : Commodities, Journal of Economic and Business

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FINANCIAL INCLUSION DAN PEMBIAYAAN PERBANKAN SYARIAH DALAM MEMPENGARUHI PERKEMBANGAN UMKM SERTA DAMPAKNYA PADA PERTUMBUHAN EKONOMI INDONESIA Fitriyanto, Doni
Commodities, Journal of Economic and Business Vol. 1 No. 4 (2021): April 2021
Publisher : FKDP (Forum Komunikasi Dosen Peneliti)

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Abstract

The research in this thesis is motivated by the difficulty of accessing capital that reaches the MSMEs layer, which is not in line with the concept of financial inclusion that is being promoted by the Government. Financial inclusion is promoted to answer these problems through deepening financial access, with Islamic banking financing to the public, especially MSMEs. So that the realization of better distribution and economic growth in Indonesia. The research method in this thesis uses a quantitative approach, with the type of research being explanatory research. The total number of samples is 132 research samples. The data analysis of this research uses Structural Equation Modeling (SEM). with the help of the SmartPLS 3.2.8 program. The results of the study show that: (1) Financial Inclusion has a positive effect on the development of MSMEs in Indonesia. (2) Islamic Banking Financing has a positive and significant impact on the development of MSMEs in Indonesia. (3) Financial Inclusion has a positive effect on economic growth in Indonesia. (4) Islamic Banking Financing has a positive and significant impact on Indonesia's economic growth. And (5) The development of MSMEs has a positive and significant impact on Indonesia's economic growth.
Sustainable Economic Practices in Rural Indonesia: Balancing Tradition and Modernity in Post-Pandemic Era Maulana, Ahmad; Zakaria, Nizar; Fitriyanto, Doni
Commodities, Journal of Economic and Business Vol. 5 No. 3 (2025): January 2025
Publisher : FKDP (Forum Komunikasi Dosen Peneliti)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59689/commo.v5i3.1196

Abstract

This study examines the sustainable economic transformation in rural Indonesia through a case study of Warujayeng Village, East Java, focusing on the integration of traditional practices and modern innovations in the post-pandemic era. The research addresses how rural communities navigate economic resilience by synthesizing local wisdom with technological advancements, challenging conventional modernization paradigms. Employing a qualitative approach with participatory observation, in-depth interviews, and document analysis, the study reveals three key adaptation phases: selective resistance, limited experimentation, and hybrid practice institutionalization. Findings demonstrate that 72% of traditional traders adopted digital platforms while maintaining interpersonal transactions, and polyculture farming systems showed 23% greater resilience than monocultures during crises. The study contributes to development theory by introducing "culturalized innovation" and "digital embeddedness" concepts, highlighting informal institutions as crucial innovation mediators. Practical implications suggest culturally sensitive policy frameworks for rural development, emphasizing asset-based approaches and spiritual-social capital integration.
Co-Authors Ahmad MAULANA Zakaria, Nizar