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All Journal Jurnal Ekonomi dan Pendidikan Optimum : Jurnal Ekonomi dan Pembangunan Jurnal Ekonomi Modernisasi Journal of Business & Banking Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan Jurnal Ekonomi dan Bisnis Dinamika Ekonomi - Jurnal Ekonomi dan Bisnis Kritis JURISMA: Jurnal Riset Bisnis & Manajemen Gorontalo Development Review Ecces: Economics, Social, and Development Studies Jurnal Ekonomi Dan Bisnis ANALISIS - SCIENTIFIC JOURNAL OF ECONOMICS, MANAGEMENT, BUSINESS, AND ACCOUNTING Jurnal Pengabdian Masyarakat Indonesia Jurnal Arastirma Transformatif: Ekonomi, Bisnis dan Kewirausahaan Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) MDP Student Conference DIMASEKA Jurnal Ilmiah Bisnis dan Ekonomi Asia (Jibeka)
Birgitta Dian Saraswati
Universitas Kristen Satya Wacana
Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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ANALISIS PENGARUH LEMBAGA KEUANGAN MIKRO DAN INDEKS PEMBANGUNAN MANUSIA TERHADAP KETIMPANGAN PENDAPATAN DI INDONESIA Prasetya, Maria Agape Widya; Lutfitasari, Princisca; Sairo, Justi; Saraswati, Birgitta Dian
ANALISIS Vol. 12 No. 1 (2022): ANALISIS VOL. 12 NO. 01 EDISI MARET TAHUN 2022
Publisher : FACULTY OF ECONOMICS AND BUSINESS FLORES UNIVERSITY

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37478/als.v12i1.1137

Abstract

Income inequality is still a problem in the Indonesian economy. In order to realize the welfare of the people evenly, the government seeks to reduce the income inequality between provinces in Indonesia. The existence of microfinance institutions (MFIs) is expected to help the economy of the poor so that income distribution will be realized. This study aims to analyze the effect of loans disbursed by MFIs, the number of MFIs and the human development index (HDI) on income inequality in Indonesia. By using panel data regression analysis with a fixed effect model approach, this study shows that the number of loans disbursed techniques by MFIs has a significant positive effect on income inequality in Indonesia, while the HDI variable and the number of MFIs have no effect on income inequality in Indonesia
PERAN LEMBAGA KEUANGAN MIKRO DAN TENAGA KERJA TERHADAP PERTUMBUHAN EKONOMI Indarti, Dwi; Maulidiya, Erlina; Simorangkir, Christien; Saraswati, Birgitta Dian
ANALISIS Vol. 12 No. 2 (2022): ANALISIS VOL. 12 NO. 02 SEPTEMBER 2022
Publisher : FACULTY OF ECONOMICS AND BUSINESS FLORES UNIVERSITY

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37478/als.v12i2.1757

Abstract

Economic growth is a measure of the welfare of the Indonesian people. Over time, the factors that affect economic growth are growing. The emergence of Microfinance Institutions (MFIs) has its own impact on Indonesia's economic growth. This study aims to determine the effect of Microfinance Institutions on economic growth in Indonesia. By using the Random Effect Model (REM) panel data regression method covering 21 provinces in Indonesia in the 2019-2020 period, this study shows that, only the Labor variable is proven to have an effect on economic growth in Indonesia. While the variables for the number of MFIs and the amount of MSME loan funds have not been proven to have an effect on economic growth in Indonesia. This indicates that the human resource factor as a form of human capital is the main factor driving economic growth in Indonesia. So that the policy implication of this research is to encourage economic growth a policy to improve the quality of human resources is needed. Keywords: Economic Growth, Total Microfinance, Labor, REM
ANALISIS PENGARUH KEBERADAAN LEMBAGA KEUANGAN MIKRO TERHADAP KEMISKINAN DI INDONESIA Palloan, Ricek; Nafurbenan, Klara Ayu; Saraswati, Birgitta Dian
ANALISIS Vol. 13 No. 1 (2023): ANALISIS VOL. 13 NO. 1 MARET 2023
Publisher : FACULTY OF ECONOMICS AND BUSINESS FLORES UNIVERSITY

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37478/als.v13i1.2505

Abstract

Poverty is still a problem in every country, especially developing countries like Indonesia. In order to improve the welfare of the Indonesian people, the government seeks to reduce the poverty rate in Indonesia in various ways, one of which is by providing microfinance services. Microfinance institutions are expected to be able to help the poor so that they can obtain capital. The purpose of this research is to analyze the influence of the number of microfinance institutions, the number of loans to microfinance institutions, the assets of microfinance institutions and poverty alleviation in Indonesia. This study uses a quantitative method with panel data regression analysis techniques. The results show that the number of microfinance institutions does not affect poverty in Indonesia, this occurs because the existence of the number of microfinance institutions is not evenly distributed in Indonesia. Then the number of loans disbursed by microfinance institutions has a positive effect on poverty, if the number of loans increases, poverty also increases. return the loan. Financial institution assets have a negative effect on poverty, if assets increase, the poverty rate decreases. Unemployment has a positive effect on poverty, occurs because the level of welfare decreases due to unemployment.
PENGARUH PEMASARAN DIGITAL TERHADAP OMZET USAHA PADA MASA PANDEMI COVID 19 (STUDI PADA UMK DI KOTA SALATIGA) Fevriera, Sotya; Saraswati, Birgitta Dian; Adhitya, Dhian; Siwi, Virgiana Nugransih; Wahyudi, Yustinus
ANALISIS Vol. 13 No. 2 (2023): ANALISIS VOL. 13 NO. 2 TAHUN 2023
Publisher : FACULTY OF ECONOMICS AND BUSINESS FLORES UNIVERSITY

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37478/als.v13i2.2592

Abstract

This study aims to identify the effect of using digital marketing on MSME business turnover in Salatiga City before and during the Covid-19 pandemic. The research sample is 134 businesses representing all small and medium enterprises in Salatiga City. The research uses data on the use of digital marketing by business actors in Salatiga City. The analysis technique uses descriptive statistics, qualitative analysis and regression models. The results show that the use of digital marketing has proven to have an effect on the turnover of SMEs during the Covid-19 pandemic. SMEs who did not use digital marketing during the Covid-19 pandemic had a lower turnover than SMEs who used digital marketing during the Covid-19 pandemic.
PENGARUH LEMBAGA KEUANGAN MIKRO TERHADAP PERTUMBUHAN SEKTOR PERTANIAN INDONESIA Pasaribu, Yusnarto Fizai Atmojo; Aryanto, Oktama Gusti Yudha; Saraswati, Birgitta Dian
ANALISIS Vol. 14 No. 01 (2024): ANALISIS VOL. 14 NO. 01 TAHUN 2024
Publisher : FACULTY OF ECONOMICS AND BUSINESS FLORES UNIVERSITY

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37478/als.v14i01.3572

Abstract

The agricultural sector is a crucial sector in the Indonesian economy, this can be seen from its contribution to Gross Regional Domestic Product in 2022 of 12.40%. One of the problems faced by farmers is in terms of capital. The aim of this research is to analyze the influence of the number of MFIs and the financing provided by MFIs in Indonesia. This research uses quantitative methods with panel data regression analysis techniques for 2019-2022 in 21 provinces in Indonesia. The results of this research show that the number of microfinance institutions has no effect on the growth of the agricultural sector, this occurs because the existence of microfinance institutions is not evenly distributed in Indonesia. Then the financing provided by microfinance institutions has a negative effect on the growth of the agricultural sector, this is thought to be due to farmers' moral hazard and weak regulations that form the legal basis for MFIs.
Analisis Determinan Tabungan di Indonesia: Suatu Aplikasi Teori Life Cycle Hypothesis Sangka, Stesia Selumiel; Saraswati, Birgitta Dian
JURNAL TRANSFORMATIF UNKRISWINA SUMBA Vol. 14 No. 2 (2025): Vol XIV No 2 (November) 2025
Publisher : Universitas Kristen Wira Wacana Sumba

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

Abstract

The role of savings in an economy is very important, an increase in savings will increase investment and economic growth. This study aims to determine how per capita income, the number of productive age population, and interest rates affect savings in Indonesia using the Life Cycle Hypothesis (LCH) theoretical framework. Using the Partial Adjustment Model (PAM) analysis technique with an observation period of 1991-2023, this study provides results that the per capita income variable is proven to have a positive and significant effect, as well as the interest rate variable is proven to have a negative and significant effect. While the variable number of productive age population is proven to have no effect. This indicates that the Life Cycle Hypothesis (LCH) theory has not been proven to apply in Indonesia. This is thought to be due to the high age dependency ratio in Indonesia. The policy implications of the findings in this study are in an effort to encourage national savings in addition to policies that increase per capita income, also with policies that can reduce the age dependency ratio for example by optimizing the old age security program by requiring all companies to include their employees in the old age security program. In addition, the finding that interest rates have a negative effect on savings, which is thought to be a response to rising inflation, means that the inflation targeting monetary policy currently implemented by Bank Indonesia is the right policy in an effort to encourage national savings
Kegiatan Edukasi Keungan Digital Dan Pengelolaan Keuangan Untuk Meningkatkan Kesejahteraan Keuangan UMKM di Kota Salatiga Birgitta Dian Saraswati; Sotya Fevriera; Angelita Titis Pertiwi; Muhammad Sulistyo Jati; Gatot Sasongko; Yustinus Wahyudi
DIMASEKA Vol 2 No 2 (2024): Oktober 2024
Publisher : FEB Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/dimaseka.v2i02.197

Abstract

Perdagangan merupakan sektor utama yang mendukung pendapatan Kota Salatiga. Akan tetapi penggunaan teknologi digital dalam usaha pelaku usaha masih rendah. Untuk itu dilakukan kegiatan edukasi keuangan digital dan pengelolaan keuangan untuk meningkatkan kesejahteraan keuangan UMKM. Sebelum edukasi, dilakukan identifikasi tingkat literasi keuangan, keuangan digital dan kesejahteraan keuangan. Berdasarkan 57 peserta dari total 67 peserta yang datang, diketahui bahwa literasi keuangan masih tergolong sedang dan perlu ditingkatkan. Sementara literasi keuangan digital dan kesejahteraan keuangan masih sangat rendah dan perlu dilakukan pendampingan lebih lanjut.
The Effectiveness of the PNM Mekaar Program in Empowering Economically Disadvantaged Women: A Qualitative Study in Salatiga City Gunarto, Alexandra Nesta Levina; Pramesti, Indah; Saraswati, Birgitta Dian
Gorontalo Development Review Volume 9 Nomor 1 April 2026
Publisher : Universitas Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32662/golder.v9i1.4680

Abstract

The Membina Ekonomi Keluarga Sejahtera (Mekaar) Program, administered by PT Permodalan Nasional Madani (PNM), is a microfinance initiative designed to enhance the economic independence of underprivileged women through access to small-scale financing. This study aims to examine the effectiveness of the PNM Mekaar Program in strengthening the economic capacity of underprivileged women in Salatiga City. A descriptive qualitative approach was employed to explore beneficiaries’ experiences in accessing and utilizing microfinance services. Data were collected through observation, in-depth interviews, and documentation involving eight informants, comprising six Mekaar beneficiaries and two supporting informants, namely an Account Officer (AO) and a member of another Mekaar group. The data were analyzed using an interactive model consisting of data reduction, data display, and conclusion drawing. The findings indicate that the Mekaar Program has improved access to financing for underprivileged women through simple administrative requirements and a joint liability system that fosters financial discipline. However, its effectiveness in promoting women’s economic independence remains limited. Most beneficiaries tend to use the financing primarily for household consumption rather than for productive business purposes. Furthermore, limited financial literacy and the absence of structured business mentoring constrain the program’s potential to generate sustainable economic empowerment. These findings suggest that access to microfinance alone is insufficient to strengthen women’s economic empowerment without adequate financial literacy education and systematic business assistance. Therefore, improving beneficiary selection, strengthening financial literacy programs, and providing structured business mentoring are essential to enhance the effectiveness of the Mekaar Program in supporting sustainable economic empowerment among underprivileged women.
Co-Authors Agilita, Yuliana Angela Gracia Permata Hati Angela Gracia Permata Hati Angelita Titis Pertiwi Aryanto, Oktama Gusti Yudha Bobby Yuga Utama David Kaluge Dewi, Jayanti Sukma Dhian Adhitya Dhian Adhitya Dwi Indarti Fajar Setiawan Gabriella Gabriella Galaxi Chrisamba Gatot Sasongko Gunarto, Alexandra Nesta Levina Leonardus Very Yudi Pradana Lia Ika Lestari Lutfitasari, Princisca M. Khusaini Manullang, Tya Anastasya Maulidiya, Erlina Muhammad Sulistyo Jati Nafurbenan, Klara Ayu Ni Made Tisnawati Palloan, Ricek Pasaribu, Yusnarto Fizai Atmojo Pramesti, Indah Prasetya, Maria Agape Widya Ramadhan, Bintang Dwika Rio Maggi Sairo, Justi Sangka, Stesia Selumiel Simorangkir, Christien Sotya Fevriera Sotya Fevriera Sundari Sundari Thenu, Tirsa Natasha Trisdian, Paula Adiati Virgiana Nugransih Siwi Yulius Pratomo Yunika Damai Krisnawati Yustinus Wahyudi Yustinus Wahyudi