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All Journal Jurnal Ilmiah Mahasiswa FEB International Journal of Local Economic Governance Jurnal Ekonomi & Studi Pembangunan ANALISIS - SCIENTIFIC JOURNAL OF ECONOMICS, MANAGEMENT, BUSINESS, AND ACCOUNTING Prima Abdika: Jurnal Pengabdian Masyarakat Jurnal Ketenagakerjaan Asia Pacific Journal of Management and Education Buletin Ekonomika Pembangunan Neo Journal of economy and social humanities Mizania : Jurnal Ekonomi dan Akuntansi Economics, Business, Accounting & Society Review Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Journal of Development Economic and Social Studies (JDESS) Digital Theory, Culture & Society
Axellina Muara Setyanti, Axellina Muara
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Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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What Drives Women Participation in Vulnerable Jobs? An Empirical Analysis in Indonesia Syafitri, Wildan; Setyanti, Axellina Muara
Buletin Ekonomika Pembangunan Vol 7, No 1 (2026): FEBRUARY
Publisher : Jurusan Ilmu Ekonomi Fakultas Ekonomi Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/bep.v7i1.31150

Abstract

Introduction/main objective: Gender disparities in Indonesia’s labor market continue to be a pressing issue, with women more likely to be engaged in informal employment lacking job security and benefits. This study aims to examine the structural and spatial factors that contribute to women’s informal employment vulnerability. Novelty: While previous studies have highlighted gendered labor segmentation, few have investigated how digital access, household roles, and financial inclusion interact to shape informality risks among women across rural and urban regions. Contribution: This paper fills a theoretical and empirical gap by applying a gendered and spatially disaggregated analysis to informality, incorporating multidimensional indicators that reflect human capital, digital capability, care burden, and financial access. Research method: The study uses binary logistic regression on microdata from the 2022 National Labor Force Survey (Sakernas), involving 400,009 female workers, to estimate the likelihood of informal employment based on education, ICT use, household demographics, and credit access, across rural and urban settings. Findings/results: Results show that digital access and higher education reduce the probability of informality, while large household size, presence of young children, and house ownership increase it. Credit access is associated with higher informality, particularly in rural areas, indicating its role in supporting informal enterprises rather than formal employment transitions. Conclusion: Findings highlight the need for gender-responsive and regionally targeted policies that expand digital infrastructure, childcare support, and formalization-linked financial services to reduce women’s labor market vulnerability in Indonesia.
The Role of Public Policy and Digital Connectivity in Driving Gdp Growth: A Cross-Country Study of Emerging Economies Sakti, Rachmad Kresna; Mubarak, Muhammad Faraz; Setyanti, Axellina Muara; Prestianawati, Silvi Asna
Economics, Business, Accounting & Society Review Vol. 5 No. 1 (2026): Economics, Business, Accounting & Society Review
Publisher : International Ecsis Association

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Abstract

This study examines how digital connectivity and public policy influence economic growth in developing countries, utilizing data from 21 nations spanning the years 2018 to 2023. The study focuses on internet adoption rates, internet speed, government policies, and GDP growth rates, employing a composite index and Panel-Corrected Standard Errors (PCSE) regression method. The findings indicate that higher internet penetration, faster internet speed, and enhanced internet security are positively associated with per capita GDP growth, highlighting the importance of digital connectivity in fostering economic development. In contrast, reliance on basic cellular connections shows a negative impact on per capita GDP, potentially due to lower productivity associated with basic mobile usage. The study also emphasizes the crucial role of public policy performance, which demonstrates a strong positive correlation with economic growth, suggesting that effective governance and well-implemented policies are essential for maximizing the benefits of digital infrastructure in driving economic progress. The study's integration of both digital connectivity variables and public policy provides new insights into the synergies between technology and governance, offering a comprehensive view of how these factors together influence economic outcomes. This approach adds valuable contributions to development economics, particularly in understanding the roles of modern digital infrastructure and policy frameworks in supporting sustainable growth in developing countries.
Gender Gaps in Digital Enterprise:The Role of Care Burden and Human Capital in Indonesia Setyanti, Axellina Muara; Setiawan, Andi Tri
MIZANIA: Jurnal Ekonomi Dan Akuntansi Vol. 6 No. 1 (2026): Mizania: Jurnal Ekonomi dan Akuntansi
Publisher : Economics and Business Faculty UNUSIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47776/mizania.v6i1.1994

Abstract

This study aims to analyze gender disparities in digital enterprise participation in Indonesia, with particular emphasis on the roles of caregiving burdens and human capital. Although digitalization is often viewed as a force that can promote equality in entrepreneurship, empirical evidence on how gender and household constraints shape participation in digital enterprises remains limited. Using microdata from the 2024 National Socioeconomic Survey (SUSENAS), digital enterprise is defined as engagement in business activities supported by the use of digital technology. A binary logistic regression model is employed to estimate the probability of digital enterprise participation, followed by rural–urban subgroup analysis to capture spatial heterogeneity. The results reveal a pronounced gender gap, with women significantly less likely to participate in digital enterprises than men after controlling for household and demographic characteristics. However, caregiving responsibilities, proxied by the presence of children under five years old, are positively associated with digital enterprise participation, suggesting that digital entrepreneurship may serve as a flexible work strategy under childcare constraints. Human capital and digital access also play important roles in shaping participation. Education increases the likelihood of digital enterprise engagement, particularly in urban areas, while handphone ownership emerges as the strongest predictor across all contexts. Rural–urban estimates further show that the gender gap is more pronounced in rural areas, reflecting the interaction between gender norms and spatial inequality.
Rethinking Financial Inclusion in the Digital Age: Determinants of Fintech Adoption in Indonesian Households Setyanti, Axellina Muara; Khoiruddin, M. Afif; Finuliyah, Firdaus
Neo Journal of economy and social humanities Vol 4 No 2 (2025): Neo Journal of Economy and Social Humanities
Publisher : International Publisher (YAPENBI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56403/nejesh.v4i2.261

Abstract

This study examines the determinants of fintech adoption among Indonesian households using nationally representative microdata from SUSENAS 2022 and binary logistic regression analysis. The findings reveal that fintech adoption remains limited, with only 5.48% of households reporting the use of digital financial services such as mobile banking. Among the determinants, savings ownership emerges as the strongest predictor, associated with a 12% higher probability of adopting fintech, underscoring the importance of prior financial engagement. Other significant factors include educational attainment, ICT experience, and formal employment. The analysis also highlights notable geographic variation. Education increases the probability of fintech use by 1.37% in urban areas but only 0.27% in rural areas. Similarly, ICT experience is associated with a 4.72% increase in adoption probability in urban areas, compared to 1.28% in rural settings, reflecting unequal returns to human capital across region. Formal employment and land ownership play a more influential role in rural areas. In contrast, participation in government assistance programs such as PKH and BPNT is negatively associated with fintech use across both settings, indicating that digital transfers alone are insufficient to foster sustained financial inclusion. These results highlight the urgency of designing context-sensitive fintech policies that address digital literacy, institutional trust, and inclusive program integration.
Co-Authors Azzahro, Septin Bahtiar Fitanto Bintoro, Nugroho Suryo Finuliyah, Firdaus Kadafi, M. Amin Khoiruddin, M. Afif Khoiruddin, Muhammad Afif Khusnul Ashar Larasati, Dorothea Bening Mubarak, Muhammad Faraz Rachmad Kresna Sakti Samudra, Ribka Widayati Silvi Asna Prestianawati Susilo Susilo Tri Andi Setiawan Wildan Syafitri