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All Journal Jurnal EK dan BI EKOBIMA Ekonomi Bisnis dan Manajemen
M Raihan Noer
Universitas Negeri Medan
Economics, Econometrics & Finance Social Sciences Other

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IMPACT OF FINTECH REGULATIONS ON SPAYLATER OPERATIONS AS WELL AS A REVIEW OF SPAYLATER CONSUMER PROTECTION LAWS M Raihan Noer; Senta Rina Damanik; Roni Sianturi .; Bonaraja Purba .; Khairul Adli Batubara
Jurnal Ekonomi dan Bisnis (EK dan BI) Vol 7 No 1 (2024)
Publisher : Politeknik Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37600/ekbi.v7i1.1433

Abstract

This research aims to see the impact of fintech regulations on Shopee Paylater online loan operations as well as studying consumer protection laws in Shopee Paylater services. The method used in this research is the normative legal method, namely a research approach that focuses on the norms or legal regulations that apply and must be obeyed by society. The results of the analysis show that Financial Technology operates under the auspices of the central bank, namely Bank Indonesia, while also being supervised by applicable laws. The law that oversees financial technology is Law no.4 of 2023 concerning Development and Strengthening of the Financial Sector which regulates the financial technology industry. This law is the latest instrument in dealing with increasingly developing fintech. One type of Fintech that is popularly used by people today is Shopee Paylater. Fintech developments such as Shopee Paylater can also raise problems related to consumer protection. Therefore, the importance of regulations in consumer protection. The law that regulates consumer protection is Law Number 8 of 1999 concerning Consumer Protection. There are also policies or efforts that have been made by the government related to consumer protection, namely by establishing a Financial Services Authority.
Analisis Pengaruh Sektor Unggulan Terhadap Pertumbuhan Ekonomi di Provinsi Pulau Sumatera dan Kalimantan M Raihan Noer; Armin Rahmansyah Nasution
Jurnal Ekonomi Bisnis dan Manajemen Vol. 4 No. 1 (2026): EKOBIMA: Jurnal Ekonomi Bisnis dan Manajemen - Juni 2026
Publisher : POLITEKNIK LP3I

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38204/ekobima.v4i1.2982

Abstract

This research examines how leading sectors shape economic growth across 15 provinces in Sumatra and Kalimantan during 2020–2024, drawing on secondary data from the Central Statistics Agency (BPS). The study incorporates Agriculture, Forestry, and Fisheries (X₁), Mining and Quarrying (X₂), Manufacturing (X₃), and Construction (X₄) as predictors, while Economic Growth (EG) serves as the outcome variable. Two analytical approaches were employed: Location Quotient (LQ) for sector classification and Fixed Effect Model (FEM) panel regression using EViews 12. LQ analysis establishes that all four sectors operate as economic base sectors (LQ > 1) throughout the study area. FEM estimation produces the equation: EG = −1.8124 + 0.1037(X₁) + 0.2941(X₂) + 0.6185(X₃) + 0.8697(X₄). Each variable demonstrates a positive and statistically significant partial effect on growth. Construction emerges as the strongest contributor (β = 0.8697), with Manufacturing (β = 0.6185), Mining and Quarrying (β = 0.2941), and Agriculture (β = 0.1037) ranking subsequently. The joint significance test confirms simultaneous influence of all sectors (p = 0.0000), with R² = 0.9094, indicating that the model accounts for 90.94 percent of the variation in inter-regional economic growth.
Co-Authors Bonaraja Purba Kautsar Fatin Dharmawan Khairul Adli Batubara M Deni Damara Nasution, Armin Rahmansyah Roni Sianturi . Senta Rina Damanik