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All Journal Jurnal Bina Praja Journal of Socioeconomics and Development International Journal of Business, Management and Economics Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Jurnal Ekonomi dan Pembangunan Indonesia Economics Development Analysis Journal Jurnal Ekonomi dan Studi Pembangunan (JESP)
Irfani Fithria U.M.
Faculty Of Economics And Business, Universitas Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Social Sciences Other

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More networks, more financial inclusion? An empirical evidence from Indonesia Pertiwi, Ristiyanti Hayu; Muzayanah, Irfani Fithria Ummul
JOURNAL OF SOCIOECONOMICS AND DEVELOPMENT Vol 5, No 2 (2022): October
Publisher : Publisher of Widyagama University of Malang (UWG Press)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31328/jsed.v5i2.3894

Abstract

Social capital is essential in mediating financial inclusion. We employ broader horizontal and vertical social engagement of social capital such as bonding, bridging and linking. Meanwhile, financial inclusion is defined as saving ownership in a formal financial institution. Using a logistic regression model and a sample of 74,454 individual respondents from the 2018 National Socioeconomic Survey, we found that social capital is essential in promoting formal saving behavior. Among three indicators (bonding, bridging, and linking), the results show that a rise in the bridging variable was associated with a 10 per cent higher likelihood of having a formal savings, higher in magnitude than the linking variable. Bonding variable had no effect in promoting financial inclusion, but upon further observation, it was still suitable to be implemented in rural area. Our estimates justified the presence of financial information transmission among people in their respective social circles. Our findings suggest that the government should consider a financial campaign using a community-based approach to complement the current inclusion strategy.JEL Classification:  D14; G41; O17
Orangtua yang Lebih Cerdas, Nutrisi Anak yang Lebih Baik? Syauqan, Teuku Muhammad; Muzayanah, Irfani Fithria Ummul
Jurnal Bina Praja Vol 16 No 2 (2024)
Publisher : Research and Development Agency Ministry of Home Affairs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21787/jbp.16.2024.427-440

Abstract

The Indonesian government aims for an ‘Indonesia Emas 2045,’ but child malnutrition remains a major challenge. One important factor that influences malnutrition is parental education level. Previous studies have shown that children’s food consumption is influenced by parental knowledge and education and various interrelated multidimensional factors. This study aims to assess the influence of parental education on improving child nutrition in Indonesia, focusing on developing a model for infants aged 6 to 24 months receiving nutritious complementary foods. The method used in this study was a review of relevant literature. Results show that parental education has a significant influence on increasing the number of infants receiving nutritious complementary foods. In addition, the change in the number of infants consuming nutritious complementary foods is also influenced by several control variables, such as parents’ access to the internet, the impact of smoking among housewives, PKH assistance, parents’ employment status, area of residence, and per capita expenditure. However, this study has limitations as it does not cover the quality and quantity of food consumed by infants, does not consider local cultural influences due to data limitations, and primarily focuses on socioeconomic aspects. Thus, parental education not only improves their access to quality nutritional information but also enriches their knowledge and raises awareness about the importance of nutrition. All these factors cumulatively contribute to improved nutritional intake for children, positively impacting their long-term health.
Peran Akses Lembaga Keuangan Mikro Agribisnis (LKM-A) terhadap Penanggulangan Kemiskinan: Studi Kasus di Kabupaten Kuningan Gunawan, Muhammad Ridho; Muzayanah, Irfani Fithria Ummul
Jurnal Bina Praja Vol 15 No 2 (2023)
Publisher : Research and Development Agency Ministry of Home Affairs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21787/jbp.15.2023.357-372

Abstract

This study aims to determine whether the role of the Agribusiness Microfinance Institution (LKM-A) has an actual or significant effect on the poverty of farmer households. By using various financial instruments, especially Indonesia's aspirations towards an inclusive financial system for everyone, especially in the agricultural sector, it is very important to examine the agribusiness microfinance institutions (LKM-A) to see how much impact they have on farming communities so they can get out of poverty status. This study used a mixed method with a sample using a purposive sampling method with a total sample of 52 divided into three growing seasons (MT I, MT-II, and MT III). The analytical method used the logit or logistic regression method with the variable of interest, namely access to LKM-A debtors and ten other control variables, which are divided into financing characteristics indicators, farming characteristics indicators, and household characteristics indicators as well as qualitative findings from field interviews with respondents. The results showed that 4 out of 11 variables have a negative effect (coefficient below 1), which means that they have a relationship to reduce the risk of being poor, namely the variable access to LKMA debtors, Bank debtor access; land area, and marital status. The results of this study showed that banks have a significant effect on reducing the risk of possible poverty levels, so the government needs to provide convenience for vulnerable people, especially farmers, to be able to access LKM-A and banks and increase financial inclusion.
THE CORRELATION BETWEEN CONDITIONAL CASH TRANSFER AND FINANCIAL INCLUSION: A CASE STUDY OF THE 2016 AND 2022 NATIONAL SOCIOECONOMIC SURVEYS Tri Dara Marhamah; Irfani Fithria Ummul Muzayanah
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 5 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

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Abstract

The distribution of conditional cash transfer plays a crucial role in increasing financial inclusion. When households receive cash transfer, they can expand their use of financial services, such as savings, credit, and other financial services. The mechanism for distributing conditional cash transfer is a concern, given that recipients are low-income individuals who are excluded from the formal financial system. The purpose of this thesis is to examine the relationship between conditional cash transfer from the Program Keluarga Harapan (PKH), distributed non-cash through the Family Welfare Card, and financial inclusion, measured by three levels of banking system utilization: no financial inclusion, low financial inclusion, and high financial inclusion, based on savings account ownership and access to credit. The study considers individual economic characteristics, individual characteristics, and regional characteristics. This study analyzes cross-sectional data from The Statistics Indonesia in 2016 and 2022 using marginal effects from probit regression. The results show that households receiving PKH cash transfer through the Family Welfare Card tend to have access to financial inclusion, both in the form of savings account ownership and access to credit. This indicates that the cashless distribution of PKH through the Prosperous Family Card has positive implications and acts as an effective catalyst in increasing the financial inclusion of household heads. The driving factor, namely, poor and educated households, indicates a higher probability of accessing financial inclusion.
Analisis Crowding Out Effect dan Public Choice dalam Penentuan Anggaran Pendidikan Pemerintah Daerah Studi Kasus 337 Kab./Kota Periode 2001-2005 di Indonesia Fithria U. M., Irfani
Jurnal Ekonomi dan Pembangunan Indonesia Vol. 10, No. 1
Publisher : UI Scholars Hub

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Abstract

The focus of this study is crowding out effect and public choice mechanism in determination of education expenditures of local government. Education spending has risen significantly over three last decades. Indonesia 2001's decentralization is rapidly moving the country from one of the most centralized system in the world to one of the most decentralized. The country has embarked on a program of fiscal, administrative and political decentralization at the same time. It has been asserted that larger education expenditures have caused local governments to spend less on other types of government services. Using panel of districts-level data for the period of 2001-2005, this study provides a test of the hypothesis that education spending has crowded out other types of spending and tries to find out which party in Indonesia that have preference in education. The results indicate that,for the period studied, there is evidence that increased local government education expenditures resulted in lower levels of speding on other categories of local government provided good and services. Only four parties that pro education are Golkar,Partai Keadilan,Partai Persatuan Pembangunan(PPP) and Partai Kebangkitan Bangsa (PKB). Other results showed that districts located in Java spend higher education expenditures than out of Java and districts with natural resource revenue shares have higher education expenditures as well.
The Impact of Dams on Regional Economic Growth: Empirical Evidence from National Strategic Projects in Indonesia Muhammad Nur Hidayat; Irfani Fithria Ummul Muzayanah
Jurnal Ekonomi dan Studi Pembangunan Vol 17, No 2 (2025)
Publisher : Universitas Negeri Malang

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Abstract

This study analyzes the impact of dam operations on regional economic growth in Indonesia by applying the economic base theory within a Difference-in-Differences (DiD) framework. The panel dataset covers 259 regencies/municipalities surrounding 48 National Strategic Project (PSN) dams, categorized into core regions, immediate neighbors, and second-tier neighbors over the 2018–2023 period. The results indicate that dam operations significantly increase Gross Regional Domestic Product (GRDP) in agrarian regions, with estimated gains of IDR 2.6 trillion in core regions and IDR 2.4 trillion in immediate neighbors, while effects remain statistically insignificant in non-agrarian regions. Trend analysis indicates a declining positive impact in agrarian core regions, an increasing negative impact in non-agrarian core regions, and a strengthening positive impact in neighboring areas. These findings underscore the relevance of economic base theory in explaining spatial variations of dam impacts and provide insights for developing more contextual and sustainable strategies to maximize the benefits of dam infrastructure.
The Role of Family Support in Combating Social Disconnection Irfani Fithria Ummul Muzayanah
Economics Development Analysis Journal Vol. 14 No. 2 (2025): Economics Development Analysis Journal
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/edaj.v14i2.23917

Abstract

This study examines the role of family relationships in mitigating social disconnection, specifically feelings of lacking friendships, being left out, and experiencing isolation. A logit regression analysis was employed using nationally representative data from the 2021 Indonesian Happiness Survey. The study measured three dimensions of family support: communication frequency, shared family activities, and perceived family harmony. Findings indicate that frequent communication and family togetherness significantly reduce the likelihood of experiencing loneliness. In contrast, perceived family harmony exhibited a weaker effect. These results suggest that the quantity of family interactions is more critical than their perceived quality in alleviating social disconnection. The study highlights the importance of family engagement and communication as effective strategies for combating loneliness and enhancing individual well-being.
Beyond Branding: The Dominant Role of Tourist Attractions and Digital Promotion in Driving International Revisit Intentions to Nusa Dua, Bali Dayan Hakim Natigor Sihaputar; Ekos Albar; Irfani Fithria; Listri Herlina
International Journal of Business, Management and Economics Vol. 7 No. 2 (2026): International Journal of Business, Management and Economics
Publisher : Training & Research Institute - Jeramba Ilmu Sukses (TRI-JIS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47747/ijbme.v7i2.3451

Abstract

Nusa Dua, Bali, is an integrated tourism area in South Bali, known for its international standards, luxury resorts, and a 4 km stretch of white-sand beach. The destination is also recognized for its sustainable tourism, having been designated an environmentally friendly "Green Zone Destination." This study aims to analyze the effects of Branding Strategy, Tourist Attractions, and Digital Promotion on the Decision to Revisit Nusa Dua, Bali, among foreign tourists. The research was conducted on 385 foreign visitors who stayed in the Nusa Dua area between December 24, 2025, and January 2, 2026. The results indicate that Branding Strategy, Tourist Attractions, and Digital Promotion each have a positive and significant influence, both partially and simultaneously, on the Decision to revisit the Nusa Dua area. Of all the independent variables, Tourist Attractions is the most dominant factor influencing the decision to revisit, with the largest positive regression coefficient.
Co-Authors Dayan Hakim Natigor Sihaputar Ekos Albar Gunawan, Muhammad Ridho Listri Herlina Muhammad Nur Hidayat Pertiwi, Ristiyanti Hayu Syauqan, Teuku Muhammad Tri Dara Marhamah