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All Journal Ekonomikawan : Jurnal Ilmu Ekonomi dan Studi Pembangunan Jurnal Ekonomi & Studi Pembangunan Jurnal Riset Pendidikan Ekonomi Jurnal Pendidikan Ekonomi (JURKAMI) JURIKOM (Jurnal Riset Komputer) Abdi Dosen : Jurnal Pengabdian Pada Masyarakat Jurnal Ilmiah Edunomika (JIE) Community Engagement and Emergence Journal (CEEJ) Reswara: Jurnal Pengabdian Kepada Masyarakat JURMA : Jurnal Program Mahasiswa Kreatif Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (JASMIEN) Jurnal Ekonomi Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Journal of Research in Social Science and Humanities Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) Jurnal Bina Bangsa Ekonomika Jurnal Minfo Polgan (JMP) Jurnal Akuntansi, Manajemen dan Bisnis Digital Journal Of Human And Education (JAHE) Jurnal Pengabdian Mandiri The International Conference on Education, Social Sciences and Technology (ICESST) The Es Economics and Entrepreneurship Journal of Management, Economic, and Accounting Proceeding International Pelita Bangsa Intellektika: Jurnal Ilmiah Mahasiswa Transaction: Journal of Taxation, Accounting, Management and Economics Marhalado Proceeding of International Conference on Humanity Education and Society Economic: Journal Economic and Business International Journal of Economics, Commerce, and Management PROCEEDING INTERNATIONAL BUSINESS AND ECONOMICS CONFERENCE (IBEC) Atestasi : Jurnal Ilmiah Akuntansi MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Lia Nazliana Nasution
Universitas Pembangunan Panca Budi
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5 PEMBERDAYAAN PEREMPUAN DALAM MEMPERKUAT PEREKONOMIAN LOKAL BERBASIS UMKM Wahyu Indah Sari; Nasution, Lia Nazliana; Syaad Afifuddin; Anwar Suhut
MARHALADO : Jurnal Pengabdian kepada Masyarakat Vol. 4 No. 1 (2026): Februari: MARHALADO: Jurnal Pengabdian kepada Masyarakat
Publisher : Arsil Media

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Abstract

Women play a strategic role in sustaining household livelihoods and strengthening local economies in coastal areas. This community service program aims to empower women entrepreneurs through strengthening micro, small, and medium enterprises (MSMEs) based on local wisdom in Desa Kota Pari, Pantai Cermin District. Most women in this coastal village are involved in home-based economic activities such as traditional food processing, fisheries-based products, and small-scale trading. However, limited financial literacy, income management, and market access constrain business development. The program was implemented through observation, counseling, participatory discussions, and evaluation. The results show improved understanding of income management, increased awareness of business sustainability, and strengthened economic roles of women entrepreneurs. This program confirms that empowering women through MSMEs contributes significantly to strengthening local economic resilience in coastal communities.
Ketidaksiapan Pasar Tenaga Kerja dalam Menghadapi Era Ekonomi Digital di Indonesia Kardina Siregar; Lia Nazliana Nasution; Bakhtiar Efendi
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Vol. 3 No. 1 (2025): Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/muqaddimah.v3i1.1176

Abstract

This study was conducted in Indonesia with the aim of determining the unpreparedness of the labor market in facing the digitalization era using the Vector Auto Regression (VAR) analysis method with a time series study for 19 (Nineteen) years. There are five variables used, namely e-commerce, economic growth, inflation, unemployment and labor with data obtained from the World Bank. The results of the VAR analysis using the lag 2 basis, the vector autoregression analysis shows the contribution of each variable to the variable itself and other variables. In addition, the results of the vector autoregression analysis also show that the past variable (t-1) contributes to the current variable both to the variable itself and to other variables. The results of the analysis show that there is a reciprocal relationship between the variables. The Response Function Analysis shows whether there are other variables that respond to changes in one variable in the short, medium, or long term. In addition, it is known that the stability of all variables appears for five years or the medium and long term. Variable Decomposition Analysis shows that variables such as ECO, INF, and GDP make the greatest contribution to the variable itself both in the short, medium and long term. In contrast, PG and TK are the other variables that have the greatest influence on the variable itself, with ECO and INF being the most influenced.
Transformasi Digital Ekonomi dalam Mendukung Inklusi Keuangan di Indonesia Muhammad Fauzan Pratama; Bakhtiar Efendi; Lia Nazliana Nasution
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Vol. 3 No. 1 (2025): Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/muqaddimah.v3i1.1184

Abstract

The digital economy plays an important role in promoting financial inclusion by providing wider, more efficient and affordable access to financial services through technology. The digital economy not only includes internet users and fintech but also places importance on sustainability to increase economic growth and reduce inflation in a country. These principles are the purpose of the research to form a strong basis for building an economic model that not only provides short, medium and long term benefits for the people and country of Indonesia. VAR (Vector Autoregression) in the context of econometric analysis is a statistical method used to model the relationship between several time-series variables in the research conducted. The VAR analysis shows that the VAR estimation results highlight the contribution of digital economy variables in measuring financial inclusion. Economic growth is mainly influenced by economic growth itself and savings, showing a significant impact of economic growth and savings. Internet users in the short term are influenced by internet users themselves but in the medium and long term are influenced by fintech as well as fintech variables. For inflation variables in the short and medium term, inflation itself is influenced and in the long term it is influenced by internet users. In the next variable, namely savings in the short and medium term, the biggest influence is inflation then internet users. IRF analysis reveals the response of variables to change and the importance of response stability in the short, medium and long term. In the digital transformation of the economy, that internet users and fintech are the main pillars in realizing digitalization in building financial inclusion but also have an impact on economic growth, savings and ultimately have an impact on inflation. The digital transformation of the economy has a significant impact on financial inclusion, providing a strong basis for digitized or modern economic policies. VAR analysis in IRF and FEVD tests helps reveal the complex interactions between digital economy variables providing valuable insights for effective and sustainable policy formulation.
Analisis Tantangan dan Peluang Ekonomi Digital dalam Mendorong Pertumbuhan Ekonomi Berkelanjutan di Indonesia Sabilayana Sabilayana; Andria Zulfa; Lia Nazliana Nasution
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Vol. 3 No. 1 (2025): Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/muqaddimah.v3i1.1185

Abstract

The digital economy plays a crucial role in driving global economic growth, including in Indonesia. However, the rapid development of digital technology also presents challenges, such as thei digital divide and uneven infrastructure. This study aimsi to analyze the impact of thei digital economy on Indonesia's economic growth using the Autoregressivei Distributed Lag (ARDL) model. The analysis results show that the Digital Divide and Digital Skills havei a negativei impact on Gross Domestic Product (GDP) in the short term, while Internet Penetration and E-commerce have a positive but insignificant impact. In the long term, these variables do not significantlyi affect GDP. These findings indicatei that although digital technology has potential, its impact is limited by factors such as unequal infrastructure access and low digital skills. Thei government needs to strengthen digital infrastructure, digital skills, and e-commerce adoption, particularly in the Small and Medium Enterprises (SMEs) sector.
Model Green Economy Index dalam Mengukur Transformasi Pembangunan Berkelanjutan di Indonesia Rizka Fadillah; Andria Zulfa; Rusiadi Rusiadi; Bakhtiar Efendi; Lia Nazliana Nasution
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Vol. 3 No. 1 (2025): Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/muqaddimah.v3i1.1186

Abstract

The Green Economy Index is an economic concept that prioritizes a sustainable economy and has a correlation to sustainable development. Green Economy not only includes aspects of economic growth but also places the importance of environmental sustainability, social empowerment as the first foundation. This aspect is the purpose of the research to form a strong basis in building an economic model that not only provides short, medium and long term benefits for society and the environment but can continue sustainable development in Indonesia. VAR (Vector Auto Regression) in the context of econometric analysis is a statistical method used to model the relationship between several variables using time series data. The analysis shows that the estimation results highlight that the contribution of Green Economy Index variables in measuring sustainable development transformation on economic growth variables is mainly influenced by energy consumption and carbon emissions, showing a significant impact of energy consumption and carbon emissions. Green investment in the short and medium term has the greatest influence by green investment itself, but in the long term the effect on green investment is carbon emissions and energy consumption. Furthermore, the variables of energy consumption and carbon emissions that have a significant effect are the variables themselves. IRF analysis shows the response of variables to changes and the importance of response stability in the short, medium and long term. In the Green Economy Index Model, energy consumption and carbon emissions become the main pillars with the encouragement of increasing green investment and then increasing economic growth. The analysis confirms the importance of adopting environmentally friendly practices, using renewable energy and increasing green investment in promoting sustainable economic growth without compromising the environment.
ANALYSIS OF BIG DATA-BASED FINANCIAL TECHNOLOGY AND AI ON FINANCIAL INCLUSION IN INDONESIA Sari Asrini; Dwita Sakuntala; Lia Nazliana Nasution
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 2 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

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Abstract

the effect of implementing Big Data and Artificial Intelligence (AI)-based financial technology on increasing financial inclusion in Indonesia during the period 2019–2024. The background of this study is based on the rapid increase in digital transformation in the financial sector triggered by the adoption of fintech, but there is still a gap in financial access, especially among low-income groups and disadvantaged regions. This study uses a quantitative approach with a panel data model, involving independent variables of Gross Regional Domestic Product (GRDP), education level, average internet access, fintech loan recipient entities, and the number of mobile banking users on the dependent variable of the Financial Inclusion Index. The data was obtained from official publications of the Financial Services Authority (OJK), Bank Indonesia (BI), and the Central Statistics Agency (BPS). The results of the analysis show that Big Data and AI have a positive and significant contribution to expanding financial inclusion through increased credit distribution efficiency, expanded access to digital services, and personalized financial products. However, their influence is still limited by gaps in digital literacy, infrastructure, and trust in data security. The findings of this study are expected to provide strategic input for regulators, fintech industry players, and academics in formulating technology-based inclusive policies to achieve sustainable national financial inclusion targets.
The Effect Of Poverty Rate, Unemployment Rate, And Inflation On The Human Development Index In North Sumatra Province Kusuma Wardhani; Lia Nazliana Nasution; Rahmad Sembiring
Journal of Research in Social Science and Humanities Vol 5, No 4 (2025)
Publisher : Utan Kayu Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47679/jrssh.v5i4.605

Abstract

This study aims to analyze the effects of poverty, unemployment, and inflation on the Human Development Index (HDI) in North Sumatra Province during the period 2019–2024. The study employs a quantitative approach using secondary data obtained from official publications of Statistics Indonesia, which are empirically analyzed to examine the relationships among variables. The findings indicate that increases in poverty and unemployment negatively affect the quality of human development through limited access to education, healthcare, and a decent standard of living, while inflation weakens purchasing power and hampers improvements in social welfare. Simultaneously, these three variables contribute substantially to variations in the HDI in North Sumatra, highlighting the importance of social and economic stability in supporting human development. This study is limited by the use of a relatively narrow set of macroeconomic variables; therefore, future research is recommended to incorporate public policy factors and regional inequality to provide a more comprehensive understanding
Analisis Dampak Transformasi Digital Perbankan Terhadap Inklusi Keuangan dan Kinerja UMKM di Provinsi Sumatera Utara Santhos Frananda; Lia Nazliana Nasution; Rusiadi
Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (Jasmien) Vol. 6 No. 01 (2026): Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (Jasmien)
Publisher : Cattleya Darmaya Fortuna

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54209/jasmien.v6i01.2561

Abstract

This study aims to determine the influence of digital banking transformation on the performance of MSMEs in North Sumatra Province which is moderated by financial inclusion. This type of research is quantitative research. The sampling technique used is a non-probability sampling technique with a purposive sampling approach so that the determination of the number of samples refers to the needs of SEM-PLS analysis, so the sample used in this study was ± 250 respondents. The data analysis technique used was Partial Least Square (Smart-PLS) with data analysis, namely the measurement model test (outer model) and the structural model test (inner model). The results of the study show that: (1) Financial Inclusion has a positive and significant effect on MSME Performance. (2) Banking Digital Transformation has a significant effect on MSME Performance. And (3) Financial Inclusion significantly moderates the relationship between Banking Digital Transformation on MSME Performance
Digital Economic Transformation and its Implications for Monetary Economic Policy in Indonesia David Chandra; Lia Nazliana Nasution
Jurnal Akuntansi, Manajemen dan Bisnis Digital Vol 5 No 3 (2026): Juli
Publisher : LPPJPHKI Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jambd.v5i3.11295

Abstract

This study aims to analyze the effect of digital economic transformation on inflation in Indonesia. The indicators of digital economic transformation examined in this study include internet penetration, digital transactions/e-commerce, the use of digital financial services, national digital economic value, and digital financial infrastructure. This research employs a quantitative approach with an associative research design. The data used are secondary time-series data covering the period 2019–2024, obtained from the Central Bureau of Statistics (BPS), Bank Indonesia, the Financial Services Authority (OJK), the Ministry of Communication and Information Technology, as well as reports from the World Bank and Google–Temasek–Bain. The analytical method applied is multiple linear regression. The results show that, partially, internet penetration has a negative and significant effect on inflation, indicating that increased internet access enhances market efficiency and contributes to lower inflation. In contrast, digital transactions/e-commerce have a positive and significant effect on inflation, reflecting increased consumer demand through digital platforms. Meanwhile, the use of digital financial services, national digital economic value, and digital financial infrastructure do not have a significant effect on inflation. Simultaneously, the variables of digital economic transformation do not significantly affect inflation. The adjusted R-square value of 0.519 indicates that the model explains 51.9 percent of inflation variation, while the remaining variation is influenced by other macroeconomic factors.
The Role of Electronic Payment Systems in Improving Monetary Efficiency in Indonesia Roy Andi Saputra Hia; Lia Nazliana Nasution; Dewi Mahrani Rangkuty
Journal of Management, Economic, and Accounting Vol. 5 No. 3 (2026): July
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v5i3.1583

Abstract

This study aims to analyze the effect of e-wallets, QRIS, and mobile banking on the inflation rate in Indonesia. The research adopts a quantitative approach with a causal associative design to examine the relationships among variables. The data used in this study consist of transaction volume data for e-wallets, QRIS, and mobile banking, as well as Consumer Price Index (CPI) data for the period January 2021 to October 2025. The data were analyzed using multiple linear regression techniques. The results indicate that: (1) e-wallets (X1) have a significant effect on the inflation rate (Y); (2) QRIS (X2) also has a significant effect on the inflation rate (Y); (3) mobile banking (X3) has a significant effect on the inflation rate (Y); and (4) simultaneously, e-wallets, QRIS, and mobile banking have a significant effect on the inflation rate in Indonesia, contributing 49.1% to the variance, while the remaining 50.9% is influenced by other factors beyond the scope of this study. These findings suggest that the development of digital payment systems is significantly associated with inflation dynamics in Indonesia. Therefore, digital payment systems can be viewed as one of the supporting instruments in maintaining price stability and enhancing monetary efficiency.
Co-Authors , Rahmad Sembiring Abdiyanto Abdiyanto Ade Novalina Ade Novalina Ahmad Ramadhan Amnisuhaila Abarahan Amri Darma Kurniawan S. Andria Zulfa Andria Zulfa Anggun R Sulistia Anisah Siregar Anwar Suhut Bakhtiar Efendi Bakhtiar Efendi Bhaktiar Efendi Budi Rusdianto Chairul Chairul David Chandra Dewi Mahrani Rangkuty Diwanana Putri Nasution Diwayana Putri Nasution Dwita Sakuntala Dwita Sakuntala Dwitama, Dimas Rastra Efendi, Bakhtiar Fahri Yadi Faried, Annisa Ilmi Feby Wulandari Sembirinng Firmansyah, Didi Handriyani Dwilita Kardina Siregar Kurniawan S., Amri Darma Kusuma Wardhani Lestari Br Sembiring M. Fauzan Rusyidi Nst Mhd Ihsan Abidi Muhammad Afif Muhammad Fauzan Pratama Muhammad Fauzan Rusyidi Nst Mutiara Annisa Nababan, Jeniwati Nasib Ningsih, Resti Triana Nuri Rahayu Ningsih Paidi Hidayat Paidi Hidayat Pantun Harianja Pipit Buana Sari, Pipit Buana Putri Valentine Rahima Br Purba Raihan Zuhri Raudah Raudah Rizka Fadillah Rizki Rizki Rizki Rizki Rizky Muhammad Husein Rizky Rizky Rowiyah Asengbaramae Roy Andi Saputra Hia Rusdianto, Budi Sabilayana Sabilayana Safrida, Winda Santhos Frananda Sari Asrini Sari, Wahyu Indah Sembiring, Lestari Br Simbolon, Nurhawani Siregar, Sulisna Dewi Sitorus, Zulham Sugiarto, Abdi Suhendi Suhendi Suhendi Suhendi Suhendi Wahyu Indah Sari Winda Safrida Zata Hasyyati Zebua, Alexander Zuhri, Raihan