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Sinergi Inklusi dan Literasi Keuangan dalam Memacu Pertumbuhan Ekonomi Indonesia: Analisis Empiris Menggunakan Pendekatan Autoregressive Distributed Lag (ARDL) Yasrizal, Yasrizal; Arimi, Sailal; Andhita Hatmawan, Aglis
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 1 No. 4 (2025): OKTOBER-DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/hjqw9z87

Abstract

This study analyzes the dynamics of the relationship between financial inclusion, financial literacy, and Indonesia's economic growth during the 2013–2025 period. With the Indonesia Emas 2045 agenda as context, the study highlights structural issues in the form of the gap between expanding access to financial services (inclusion) and public understanding (literacy). Using a quantitative approach through the Autoregressive Distributed Lag (ARDL) model, the study tests for the existence of long-term cointegration while estimating short-term adjustment mechanisms through error correction. Stationarity tests indicate a combination of degrees of integration I(0) and I(1), making the selection of ARDL (1, 0, 0) relevant. The main results confirm the existence of a cointegration relationship: financial inclusion has a positive and significant impact on GDP in the long run with a coefficient of 0.15, while financial literacy contributes positively, primarily through strengthening more stable consumption behavior. The Error Correction Term (ECT) coefficient of -0.68 indicates a relatively rapid recovery process, with approximately 68% of the deviation from the long-run equilibrium corrected within one year. The research's contribution lies in utilizing the latest post-pandemic data and evaluating the implications of the National Strategy for Financial Inclusion (SNKI). Policy recommendations emphasize a shift from solely focusing on infrastructure expansion to strengthening the capabilities of financial service users, in order to mitigate the risks of predatory inclusion and ensure higher-quality and sustainable growth.
The Analysis of Leading Sectors in Nagan Raya Regency, 2019–2024 Efendi, Jeltaria; Yasrizal, Yasrizal; Risma , Okta Rabiana
The Future of Education Journal Vol 5 No 2 (2026)
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah Yayasan Pendidikan Tumpuan Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61445/tofedu.v5i2.1772

Abstract

This study aims to analyze the specialization of economic sectors in Nagan Raya Regency using the Location Quotient (LQ) method and to examine its correlation with regional economic growth. The LQ method is employed to identify leading (basic) sectors that possess higher comparative competitiveness than those at the regional or national level. Furthermore, the study analyzes how the development of these basic sectors contributes to the Gross Regional Domestic Product (GRDP) and other economic growth indicators in Nagan Raya Regency. Based on the Location Quotient analysis, the results for 2024 indicate that there are three sectors categorized as basic or leading sectors, namely the mining and quarrying sector, the agriculture, forestry, and fisheries sector, and the other services sector. The remaining sectors are classified as non-basic or non-leading local sectors because their LQ values are below 1. These sectors include: (1) manufacturing industry; (2) electricity and gas supply; (3) water supply, waste management, and recycling; (4) construction; (5) wholesale and retail trade, and repair of motor vehicles and motorcycles; (6) transportation and warehousing; (7) accommodation and food service activities; (8) information and communication; (9) financial and insurance services; (10) real estate; (11) business services; (12) public administration, defense, and social security; (13) education services; and (14) health and social services.
Dinamika Luas Panen dan Produksi Padi di Kawasan Barsela Aceh: Bukti Empiris Data Panel 2018-2025 Agus Wandra; Yasrizal Yasrizal; Hartini Hartini; Helmi Noviar; Rolis Juliansyah
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 2 (2026): APRIL-JUNI 2026
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/a922tq28

Abstract

This study examines the effect of harvested area on rice production in the Barsela region of Aceh Province during 2018-2025. It highlights the importance of harvested area as a key agricultural production factor in explaining regional rice output across districts and cities. This study employs a quantitative approach using balanced panel data from eight districts and cities in the Barsela region, namely Aceh Jaya, Aceh Barat, Nagan Raya, Aceh Barat Daya, Aceh Selatan, Simeulue, Aceh Singkil, and Kota Subulussalam. The dataset covers the 2018-2025 period, resulting in 64 observations. Panel data regression is applied by comparing the Common Effect Model, Fixed Effect Model, and Random Effect Model. Model selection is conducted using the Chow test, Hausman test, and Lagrange Multiplier test. The Random Effect Model is selected as the preferred specification. The findings show that harvested area has a positive and statistically significant effect on rice production. The coefficient of harvested area is 5.204529 with a probability value of 0.0000, indicating that a one-hectare increase in harvested area is associated with an increase of approximately 5.20 tons of rice production. The Adjusted R-squared value of 0.772121 shows that harvested area explains 77.21 percent of the variation in rice production. This study provides district-level evidence on rice production in Barsela Aceh. The findings emphasize the importance of protecting productive paddy fields, controlling land conversion, improving irrigation, and strengthening agricultural infrastructure to sustain regional food security.