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All Journal JURNAL ECONOMIA Jurnal Ekonomi Kuantitatif Terapan Jurnal Ilmiah Mahasiswa FEB E-Dimas: Jurnal Pengabdian kepada Masyarakat Panrita Abdi - Jurnal Pengabdian pada Masyarakat Hasanuddin Economics and Business Review Dinamisia: Jurnal Pengabdian Kepada Masyarakat CARADDE: Jurnal Pengabdian Kepada Masyarakat Jurnal Inovasi Hasil Pengabdian Masyarakat (JIPEMAS) Jambura Economic Education Journal Ecces: Economics, Social, and Development Studies Abdimas Universal Abdimas: Jurnal Pengabdian Masyarakat Universitas Merdeka Malang Community Development Journal: Jurnal Pengabdian Masyarakat JIEB : Jurnal Ilmiah Ekonomi Bisnis Journal of Technopreneurship on Economics and Business Review (JTEBR) Jurnal AbdiMas Nusa Mandiri International Journal of Qualitative Research Journal of Asset Management and Public Economy Journal of Regional Economics and Development International Journal of Economics, Business and Innovation Research Optimum: Jurnal Ekonomi dan Pembangunan
Lustina Fajar Prastiwi
Universitas Negeri Malang
Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Mathematics Physics Public Health Social Sciences Other

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Analisis Determinan Inklusi Keuangan di Indonesia Juniyar, Naufal; Lubis, Firsty Ramadhona Amalia; Prastiwi, Lustina Fajar; Anita, Rossy Dwi
Journal of Regional Economics and Development Vol. 1 No. 1 (2023): November
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/jred.v1i1.60

Abstract

Inklusi keuangan merupakan isu global karena mempengaruhi perekonomian dan adanya fakta bahwa akses layanan keuangan di negara berkembang masih rendah. Inklusi keuangan Indonesia dikategorikan masih rendah jika dibandingkan dengan negara-negara ASEAN lainnya. Penerapan inklusi keuangan masih mengalami hambatan karena masih terbatasnya bank yang terdekat dengan tempat tinggal dan jauhnya jarak cabang terdekat. Kebijakan dari Pemerintah Indonesia telah menetapkan pada Strategi Nasional Keuangan Inklusif (SNKI) melalui Peraturan Presiden Nomor 82 Tahun 2016. Program tersebut dimaksudkan untuk membantu otoritas publik dengan mengurangi kemiskinan dan mendorong ekonomi yang komprehensif dan layak. Oleh karena itu, penelitian ini memiliki tujuan salah satunya untuk mengetahui pengaruh pertumbuhan ekonomi, kemiskinan, pengangguran, ketimpangan pendapatan, dan penanaman modal dalam negeri terhadap inklusi keuangan di Indonesia. Penelitian ini dilakukan di 34 Provinsi di Indonesia data yang digunakan berupa data sekunder yang diperoleh dari BPS dan OJK serta diuji menggunakan regresi data panel. Alat yang digunakan untuk melakukan uji tersebut adalah software STATA 14. Hasil yang diperoleh variabel kemiskinan, ketimpangan pendapatan dan penanaman modal dalam negeri berpengaruh secara signifikan terhadap inklusi keuangan, sedangkan variabel pertumbuhan ekonomi dan pengangguran tidak berpengaruh signifikan terhadap inklusi keuangan. Financial inclusion is a global issue because it affects the economy and the fact that access to financial services in developing countries is still low. Indonesia's financial inclusion is categorized as low when compared to other ASEAN countries. The implementation of financial inclusion is still experiencing obstacles due to the limited number of banks closest to the place of residence and the distance of the nearest branch. The policy of the Government of Indonesia has established the National Strategy for Financial Inclusion (SNKI) through Presidential Regulation No. 82/2016. The program is intended to help public authorities by reducing poverty and encouraging a comprehensive and viable economy. Therefore, this study has one of its objectives to determine the effect of economic growth, poverty, unemployment, income inequality, and domestic investment on financial inclusion in Indonesia. This study was conducted in 34 provinces in Indonesia, the data used was secondary data obtained from BPS and OJK and tested using panel data regression with STATA 14. The results obtained by the variables of poverty, income inequality and domestic investment have a significant effect on financial inclusion, while the variables of economic growth and unemployment have no significant effect on financial inclusion.
Driving Digital Adoption within Small Business: A Study Case of Indonesia Micro-Small-Medium Enterprises Dwiputri, Inayati Nuraini; Permana, Yudistira Hendra; Prastiwi, Lustina Fajar
Jurnal Economia Vol. 21 No. 2 (2025): June 2025
Publisher : Faculty of Economics and Business, Universitas Negeri Yogyakarta in collaboration with the Institute for

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/economia.v21i2.67494

Abstract

The urgency of going digital increases due to mobility restrictions in many areas to retain market share, hence surviving the COVID-19 pandemic. The digital adoption process is not easy because it requires high cost and long-term commitment, so larger firms may lead in this case. Therefore, this study wants to identify what variables can affect the digital adoption process by MSMEs. We survey 2,169 MSMEs across Indonesia using clustered convenience sampling and investigate the determinants of digital adoption by MSMEs. Using the fixed effect model for estimation, we find that the severity of COVID-19 cases and the number of laborers have a significant positive correlation to the digital adoption process by MSMEs. We find that MSME in urban areas leads to the use of digital technology, and the service-based MSME has more urgency to do so. These results can help MSMEs, and the government makes policies related to digital adoption by MSMEs.
How is the Social Community of Malang City? Index Study and Performance Analysis Prastiwi, Lustina Fajar; Lestari, Trianingsih Eni; Saadiyah, Risa; Bajar, Jayson Troy Ferro; Kawaye, Hopkins Henry
JAMPE (Journal of Asset Management and Public Economy) Vol. 4 No. 2 (2025)
Publisher : Universitas Ahmad Dahlan, Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/jampe.v4i2.13011

Abstract

The purpose of this study was to determine the Community Development Index (IPMas) of Malang City in 2024 using Importance Performance Analysis (IPA). IPMas can be seen from the Tolerance Index, Mutual Cooperation Index, and Sense of Security Index. The result is that overall IPMas Malang City got a score of 87.56%. This value tends to remain the same but can increase if various programs are implemented properly related to the cooperation index, tolerance index, and sense of security index. Malang City has realized a friendly city by paying attention to aspects of tolerance, mutual cooperation, and adequate sense of security. The contribution of this paper is to explain the performance of the Malang city government in the social community sector. The success of the regional government's performance can be measured not only by economic growth, but also by the influence of government performance on the community development index.
FINANCIAL TECHNOLOGY AND DEMOGRAPHIC FACTORS ON WELFARE ANALYSIS Agustin, Grisvia; Abbas, Muhammad Hasyim Ibnu; Dwiputri, Inayati Nuraini; Prastiwi, Lustina Fajar
Hasanuddin Economics and Business Review VOLUME 6 NUMBER 1, 2022
Publisher : Faculty of Economics and Business, Hasanuddin University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26487/hebr.v6i1.3290

Abstract

Financial technology is very useful in facilitating financial transactions worldwide. It was created to make getting funds and managing finances easier, which can improve people’s welfare. However, it also poses a threat in the form of loans from financial technology lending companies that are not licensed and illegally operate so that customers can be bound by huge interest rates and terrorized by debt collectors. Therefore, this study aims to analyze literacy about financial technology and demographic factors that affect welfare. The analysis results show that most respondents are still ignorant or do not understand the benefits of fin-tech for improving their welfare, and the respondents’ welfare is only affected by age. Although 92% of respondents have savings, these savings do not use fin-tech. Fin-tech is still seen as something that plunges like a shark loan trap, so most respondents still avoid fin-tech for their financial management. Respondents still do not use fin-tech optimally and urgently need education and socialization related to fin-tech.
PENGUATAN EKONOMI LOKAL MELALUI DIGITALISASI UMKM PEREMPUAN: STUDI KASUS KELOMPOK TANI WANITA DESA SIDODADI Farida Rahmawati; Etty Soesilowati; Magistyo Purboyo Priambodo; Lustina Fajar Prastiwi
Jurnal AbdiMas Nusa Mandiri Vol. 7 No. 2 (2025): Periode Oktober 2025
Publisher : LPPM Universitas Nusa Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33480/abdimas.v7i2.6435

Abstract

Strengthening the local economy through the active role of the Women Farmers Group (KTW) by improving digital marketing technology skills is an effective strategy for developing rural MSMEs. Sidodadi Village in Malang Regency has several key agricultural commodities such as bananas, cassava, and corn, which are mostly processed and marketed by women’s MSME groups. However, several challenges remain, including limited institutional management capacity, lack of knowledge about digital marketing technology, and restricted market access, making it difficult for MSMEs to compete. This community service aims to assist the Women Farmers Group in improving institutional management capacity and digital marketing skills through training and mentoring activities. The program was conducted in Sidodadi Village using survey, socialization, and training methods, followed by evaluation. The evaluation results show that participants were enthusiastic, actively involved, and demonstrated improved understanding and skills in using digital marketing tools. The activity successfully encouraged the group to optimize digital marketing for the sustainable growth of rural MSMEs. Therefore, this service is expected to increase the efficiency of agricultural product marketing and positively impact community welfare and income.
Peningkatan produktivitas kerajinan tangan pirografi berbasis digital Prastiwi, Lustina Fajar; Dwiputri, Inayati Nuraini; Annisya’, Annisya’; Handayani, Sri
Jurnal Inovasi Hasil Pengabdian Masyarakat (JIPEMAS) Vol 5 No 1 (2022)
Publisher : University of Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33474/jipemas.v5i1.13707

Abstract

Usaha Mikro Kecil dan Menengah  (UMKM) di Indonesia berkembang sangat pesat. Battosae Kertosono adalah UMKM  yang bergerak di bidang kerajinan tangan pirografi. Namun, UMKM ini memiiki beberapa kendala antara lain, masih manualnya peralatan yang digunakan, media pemasaran yang monoton dan masih rendahnya pemahaman tentang financial technology. Untuk menyelesaikan masalah, kegiatan yang dilakukan oleh tim pengabdian yaitu: 1) Penambahan alat produksi untuk meningkatkan produktivitas usaha; 2) Penambahan variasi metode pemasaran; 3) Manajemen Usaha dan Pengenalan financial technology.  Penambahan alat produksi untuk meningkatkan produktivitas usaha. Penambahan alat produksi diwujudkan melalui pengadaan printer laser kayu engraving dan computer untuk meningkatkan kreatifitas, kerapihan dan efisiensi waktu pengerjaan sehingga produk yang dihasilkan menjadi lebih baik. Kegiatan peningkatan variasi metode pemasaran diwujudkan melalui penggunaan sosial media dan marketplace.  Pemanfaatan media sosial dan marketplace menurunkan biaya pemasaran dan mampu memperluas pasar.  Sedangkan kegiatan peningkatan managemen usaha dan pengenalan financial technology dilakukan dengan pelatihan dan diskusi bersama pemilik usaha. Melalui kegiatan ini pelayanan yang diberikan oleh pengrajin Battosae Kertosono semakin baik karena dapat memberikan kemudahan transaksi dan pelayanan kepada konsumen.
ANALISIS PEKERJA MIGRAN DAN NONMIGRAN PERKOTAAN PADA SEKTOR FORMAL DAN SEKTOR INFORMAL DI INDONESIA Prastiwi, Lustina Fajar
Jurnal Ilmiah Mahasiswa FEB Vol. 4 No. 1
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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

Abstract

Persebaran penduduk dan pembangunan ekonomi Indonesia yang tidak merata sebagai pemicu adanya migrasi penduduk di Indonesia. Faktor pendorong migrasi penduduk yang sebagian besar dipicu oleh adanya perbedaan upah di daerah asal dan daerah tujuan khususnya perkotaan, membuat tenaga kerja memilih untuk berpindah tempat demi mendapatkan pekerjaan yang lebih baik dengan upah yang lebih tinggi baik dari sektor formal dan informal. Tujuan penelitian adalah untuk mengetahui probabilitas tenaga kerja migran di perkotaan dalam memasuki lapangan kerja di sektor formal maupun sektor informal dan mengetahui pendapatan tenaga kerja baik migran ataupun non migran di perkotaan. Penelitian ini merupakan penelitian kuantitatif menggunakan data cross section yang dikumpulkan oleh SAKERNAS tahun 2013 dan diestimasi menggunakan metode probit serta analisis regresi berganda.  Karateristik tenaga kerja yang mampu memasuki sektor formal di perkotaan adalah bestatus sebagai migran, berusia muda, memiliki tingkat pendidikan tinggi, berstatus belum menikah, sebagai kepala rumah tangga dan berjenis kelamin laki-laki. Sedangkan bagi tenaga kerja di perkotaan yang memperoleh pendaoatan yang lebih tinggi memiliki karakter berstatus sebagai migran, berusia 25-45 tahun, memiliki waktu bekerja 41-50 jam per minggu, berpendidikan menengah keatas, berstatus telah menikah. Sebagai kepal rumah tangga, berjenis kelamin laki-laki bekerja di sektor formal dan memiliki pekerjaa utama di bidang perdagangan.Kata kunci : Tenaga kerja migran, tenaga non migran, sektor formal, sektor informal, perkotaan Indonesia. 
Pemberdayaan Pelaku UMKM melalui Sosialisasi Program “Njagong Bareng” di Kota Batu Nabila, Putri Meylin Azza; Prastiwi, Lustina Fajar
E-Dimas: Jurnal Pengabdian kepada Masyarakat Vol 16, No 1 (2025): E-DIMAS
Publisher : Universitas PGRI Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26877/e-dimas.v16i1.19387

Abstract

Pelaku usaha kecil, usaha menengah, dan bisnis mikro menjadi salah satu penopang perkembangan ekonomi di Indonesia. Njagong Bareng adalah inisiatif untuk memberdayakan pelaku usaha kecil, usaha menengah, dan bisnis mikro  Kota Batu dengan tujuan meningkatkan kualitas dan kemampuan usaha agar dapat meningkatkan usahanya. Tujuan pengabdian untuk meningkatkan pengetahuan pelaku usaha dan menciptakan kemitraan antar pelaku usaha dengan penandatanganan kerjasama. Metode yang digunakan dalam pelaksanaan program pengabdian ini yaitu, Sosialisasi, Pertemuan pelaku UMKM dan Pelaku Usaha Besar, dan Penandatanganan MOU. Hasil dari program Njagong Bareng telah menghasilkan tiga kerjasama, yaitu antara Kusuma Agrowisata dengan Kantin Karyawan, Museum Angkut dengan Pemilik Usaha Kuliner Apung 6 Negara, dan PT Selecta       dengan UMKM Konveksi Garment, Percetakan, Kerajinan. Manfaat yang diperoleh pengusaha UMKM melalui kemitraan yaitu perluasan produk, pertukaran pengetahuan dan pengalaman antara UMKM dan mitranya. Mitra memberikan bimbingan serta pelatihan kepada para pelaku UMKM guna memperbaiki kemampuan dalam pemasaran, produksi, dan manajemen keuangan mereka.
Good Governance Indonesian Forestry: A Fair Justice System Dwiputri, Inayati Nuraini; Prastiwi, Lustina Fajar; Abbas, Muhammad Hasyim Ibnu; Sumanto, Agus; Isupova, Ekaterina
International Journal of Qualitative Research Vol. 5 No. 2 (2025): November
Publisher : CV. Literasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47540/ijqr.v5i2.2361

Abstract

Many studies have identified the relationship between corruption and the socio-economic life of society. Generally, the results of research indicate that corruption is detrimental to the economy and society. Corruption can create burdens for society, companies, and the government. Therefore, the impact of corruption is calculated as a state loss. Corruption in the form of embezzlement occurs frequently in both the public and private sectors. Bribery and extortion are common in the public sector. Several studies related to corruption have identified the effects of corruption on social and economic life. Other studies have identified the implementation of corruption in the public and private sectors. This study will discuss the law enforcement of corruption. It identified decisions of law enforcement at the Supreme Court, specifically regarding corruption in the forestry sector. This study used content analysis to identify Supreme Court decision documents. The results indicate that a significant amount of corruption results from illegal land transfer and forest land ownership. The content analysis indicated that the Supreme Court's judicial system, particularly regarding corruption in the forestry sector, is quite fair. However, further analysis is needed regarding the sentences given to the defendants to decrease corruption.
Co-Authors Abbas, Muhammad Hasyim Ibnu Agus Sumanto Anita, Rossy Dwi Annisya Annisya' Annisya’, Annisya’ Ariq Syauqi Billah Arisetyawan, Kukuh Ayu Kammawati Bajar, Jayson Troy Ferro Bernadus Ghawa Rado Emma Yunika Puspasari Erika Puji Nurwahidiyah Ermita Yusida Ernestina Lika Etty Soesilowati Fahnur Ari Wijaya Fanisa, Tania Putri Farid Abidin Farida Rahmawati Febry Wijayanti Firmansyah, Fajar Fitria Nada Grisvia Agustin Hadi Sumarsono Handayani, Sri Imam Mukhlis Inayati Nuraini Dwiputri Isupova, Ekaterina Juniyar, Naufal Kammawati, Ayu Kawaye, Hopkins Henry Kiha, Emilia Khristina Kukuh Arisetywan Lubis, Firsty Ramadhona Amalia Magistyo Purboyo Priambodo Markhamah, Siti Mila Maulidya Anwar Nabila, Putri Meylin Azza Nasikh Novendra Priyo Subekti Nurinda, Mei Sulfia Qodri, Lutfi Asnan Qurrata, Vika Annisa Rani Destia Wahyuningsih Ruth Eviana Hutabarat Saadiyah, Risa shihab, habib Sri Handayani Sri Handayani Subekti, Novendra Priyo Sudjatmiko, Sudjatmiko Sugeng Hadi Utomo Sunil Kumar Chaudary Syahrul Naufal Firmansyah Thomas Soseco Trianingsih Eni Lestari Yudistira Hendra Permana