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All Journal Jurnal Riset Ekonomi dan Bisnis Didaktik : Jurnal Ilmiah PGSD STKIP Subang
Fitri Amalia
UIN Syarif Hidayatullah Jakarta
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

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Dampak inklusi dan literasi keuangan terhadap ketimpangan pendapatan melalui kredit UMKM di Indonesia tahun 2016 dan 2019 Diana Nur Khoiriyah; Fitri Amalia
Jurnal Riset Ekonomi dan Bisnis Vol 16, No 1 (2023): APRIL
Publisher : Universitas Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26623/jreb.v16i1.6303

Abstract

Masalah ketimpangan pendapatan masih menjadi masalah utama yang di hadapi oleh negara maju dan negara berkembang khususnya Indonesia. Ketimpangan pendapatan memunculkan berbagai dampak masalah. Terbatasnya akses layanan keuangan, literasi keuangan yang rendah bisa meningkatkan ketimpangan pendapatan. Tujuan penelitian ini adalah untuk menganalisis pengaruh antara inklusi keuangan dan literasi keuangan terhadap ketimpangan pendapatan serta menganalisis pengaruh tidak langsung antara inklusi keuangan dan literasi keuangan terhadap ketimpangan pendapatan dengan kredit UMKM sebagai variabel intervening. Penelitian ini menggunakan 34 provinsi di Indonesia pada tahun 2016 dan 2019 sebagai sampel penelitian. Metode analisis yang digunakan dalam penelitian ini adalah Analisis Jalur menggunakan program SPSS versi 25. Hasil penelitian menunjukkan bahwa variabel inklusi keuangan dan literasi keuangan berpengaruh terhadap kredit UMKM. Variabel inklusi keuangan dan kredit UMKM berpengaruh terhadap ketimpangan pendapatan sedangkan literasi keuangan tidak berpengaruh terhadap ketimpangan pendapatan. Untuk pengujian hubungan tidak langsung, inklusi keuangan berpengaruh secara tidak langsung terhadap ketimpangan pendapatan melalui kredit UMKM sebagai variabel intervening sedangkan literasi keuangan tidak berpengaruh secara tidak langsung terhadap ketimpangan pendapatan melalui kredit UMKM.The problem of income inequality is still a significant problem faced by developed and developing countries, especially Indonesia. Income inequality leads to various issues. Limited access to financial services and low financial literacy can increase income inequality. This study aimed to analyse the effect of financial inclusion and financial literacy on income inequality and the indirect impact of financial inclusion and financial literacy on income inequality when MSMEs credit was used as an intervening variable. This study employed 34 provinces in Indonesia in 2016 and 2019 as research samples. The analytical method utilised Path Analysis using the SPSS version 25 program. The findings revealed that financial inclusion and literacy variables affected MSMEs' credit. The variables of financial inclusion and MSMEs credit affected income inequality; on the other hand, financial literacy did not affect income inequality. MSME credit could mediate the effect of financial inclusion on income inequality in analysis path testing. On the other hand, MSMEs credit has not been able to mediate the impact of financial literacy on income inequality.
KUALITAS LAYANAN RUMAH SAKIT DI ERA JKN: PERAN KEPESERTAAN, AKSESIBILITAS, DAN PEMBIAYAAN SEBAGAI FAKTOR PENENTU Abghi Hafizhan Shulan; Artanti Puspita; Fatih Hilal Athaya; Ilham Yoga Pangestu; Fitri Amalia
Didaktik : Jurnal Ilmiah PGSD STKIP Subang Vol. 11 No. 04 (2025): Volume 11 No. 04 Desember 2025 Published
Publisher : STKIP Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36989/didaktik.v11i04.9490

Abstract

Although JKN coverage reached 98.45% in 2024, the quality of hospital services for JKN participants remains low (average satisfaction of 68%), accompanied by major complaints regarding responsiveness and empathy, recurring BPJS deficits, and unequal geographical access. This study aims to examine the effect of JKN membership, healthcare accessibility, and financing on the quality of hospital services through the SERVQUAL model. A quantitative explanatory research approach with a cross-sectional design was applied to 120 active JKN participants selected through purposive sampling. Multiple linear regression analysis using IBM SPSS 27 showed that all three variables had a positive and significant effect, both partially and simultaneously (F = 13.376; p < 0.001; R² = 0.257). Financing was the strongest predictor (β = 0.365), followed by accessibility (β = 0.257) and JKN membership (β = 0.198). Reforms in contributions, acceleration of claims, strengthening of telemedicine, and intensification of PBPU membership socialization are recommended to support quality UHC in 2029.
Co-Authors Abghi Hafizhan Shulan Artanti Puspita Diana Nur Khoiriyah Fatih Hilal Athaya Ilham Yoga Pangestu