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Sociodemographic Effects on Financial Inclusion: Implications from Online Transaction in Developing-8 Countries Wardani, Dyah Titis Kusuma; Khusniati, Navi'ah; Darsono, Susilo Nur Aji Cokro
Economics and Finance in Indonesia Vol. 69, No. 1
Publisher : UI Scholars Hub

Show Abstract | Download Original | Original Source | Check in Google Scholar

The world has reached the industry 4.0, where technological developments have been widely applied to electronic payment, with no exception on Muslim countries. This study aims to investigate association between sociodemographic and financial inclusion in country D-8 in the probability of using online financial transactions. Using The Global Findex 2017 from D-8 Organization for Economic Cooperation included in OIC countries and the logistic regression, this study explores the effect of sociodemographic namely gender, education, income status and working status on online financial transactions users. Using control variables such as Gross Domestic Product (GDP), Inflation and Exchange reta, results show that, there is a gender imbalance between men and women in using online transaction to access formal services. On the other hand, individuals who have higher level of education, upper-middle income and high-income, and those who work are more financially inclusive in using online transaction. In conclusion, those with higher sociodemographic status are more likely to use online transaction to access formal financial services. The government and third parties can use this study as policy recommendations for expanding online transaction as well as financial inclusion in developing Muslim countries.

Tourism Sector and Regional Income Relationship in Sinjai Khusniati, Navi'ah; Hermansyah, Fakhrul Indra
Hasanuddin Economics and Business Review VOLUME 6 NUMBER 3, 2023
Publisher : Faculty of Economics and Business, Hasanuddin University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26487/hebr.v6i3.5101

Several previous studies have revealed that the tourism sector is positively related to regional income (pendapatan asli daerah). Even though the selected research location still does not have tourism potential, the relationship between these two variables is important to discuss to find tourism potential in Sinjai Regency. This research uses quantitative analysis with the ErrorCorrection Model (ECM) approach, which shows that all variables have fulfilled the stationarity test, long-term cointegration, Error-Correction Term (ECT) and the classical assumption test (Boedijoewono, 2012), which is the time data-series from 2012 to 2021 is used to include proxies for the number of tourists, number of hotels and other accommodation, level of infrastructure, Gross Regional Domestic Product (GDRP) in the tourism sector (trade, hotel and restaurant, entertainment and recreation sectors) and Original Regional Income in Sinjai Regency. The results of this research reveal that in the short term, changes in PAD are influenced simultaneously and partially by changes in the number of tourists, the length of roads in good condition, and Tourism GRDP. However, changes in PAD are not influenced by changes in the number of hotels. On the other hand, every change in the number of tourists and the length of road conditions will have an influence on changes both simultaneously and partially in PAD. Finally, the number of hotels and tourism GRDP do not have a significant influence on PAD.

STRENGTHENING YOUTH FINANCIAL CAPABILITY: A COMMUNITY APPROACH IN MOYUDAN’S DIGITAL FINANCE LANDSCAPE Khusniati, Navi'ah; Oktabriyantina , Wulan; Sanjoko, Deny Cahyadinanto; Yusuf, Maulana Ghani Yusuf
EZRA SCIENCE BULLETIN Vol. 3 No. 1 (2025): January-June 2025
Publisher : Kirana Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58526/ezrasciencebulletin.v3i1.282

On the technological advances and shifting global economic trends oblige today’s youth, particularly young women, to master sound financial principles that discourage excessive spending and safeguard them from hazards in the digital finance realm. A community-based training program was carried out for Nasyiatul ʿAisyiyah (NA) Moyudan members to address this need. Designed collaboratively and delivered in an interactive format, the workshops explored budgeting, saving, investing, financial protection, and online security. Program impact was measured with a paired-samples t-test comparing the pre- and post-training scores of 24 participants. Results revealed an average gain of 23.75 points (p < 0.001), demonstrating a marked increase in financial understanding following the sessions. The evidence indicates that context-specific, participatory financial-literacy instruction can meaningfully strengthen young women’s financial competence and is a preventive step toward bolstering the economic resilience of the upcoming generation.

LABOR FORCE PARTICIPATION TRENDS: DOES SOCIO-DEMOGRAPHIC MATTERS? STUDY CASE IN BREBES DURING 2011-2023 Yusuf, Maulana Ghani; Khusniati, Navi'ah
Jurnal Ekonomi Kreatif dan Manajemen Bisnis Digital Vol 3 No 3 (2025): FEBRUARI
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/jekombital.v3i3.908

Brebes Regency is the regency with the largest population in Central Java. This regency faces major challenges in the employment sector, namely the condition of the Labor Force Participation Rate (LFPP) which is in the third lowest position among regencies/cities in Central Java. The low LFPP figure shows that many working-age residents are not absorbed in economic activities. The situation is worsened by the alarming rate of joblessness, which ranks second only to Tegal City, and the poor Human Development Index (HDI) ranking in Central Java. The main objective of this research is to examine the patterns and factors that impact the involvement of the workforce in Brebes Regency from 2011 to 2023. Employing a quantitative method, this research seeks to identify how sociodemographic elements influence labor force participation in Brebes Regency. Multiple linear regression analysis was utilized in this study to examine the connection between variables by employing SPSS software. The regression results indicated a significance level of 0.001 and an F value of 14.202. These findings suggest that sociodemographic factors collectively play a significant role in influencing labor force participation in Brebes Regency. Partially, the sociodemographic factor that has the highest significant influence is the HDI. Based on these findings, improving the quality of education and health is the government's main focus so that workforce participation can be more optimal. Thus, it is hoped that the high population can be utilized to increase regional development in Brebes Regency which is reflected in the high level of workforce participation.

From Phone to Finance: Indonesian Female Patterns in Store Payments Khusniati, Navi'ah; Yusuf, Maulana Ghani
Journal of Scientific Research, Education, and Technology (JSRET) Vol. 4 No. 2 (2025): Vol. 4 No. 2 2025
Publisher : Kirana Publisher (KNPub)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58526/jsret.v4i2.782

This study investigates the influence of gender and women’s employment status on mobile phone use for in-store financial transactions in Indonesia. Using micro data from the 2021 Global Findex survey and a logistic regression model, this study analyzes the extent to which being a woman, as well as being an employed woman, influences the likelihood of using a mobile phone for in-store transactions. The results show that in general, although not significantly, women are less likely than men to use mobile phones for in-store transactions. However, employed women have a significantly higher probability of using mobile phones for this purpose than unemployed women. These findings demonstrate the importance of women’s participation in the workforce on digital financial behavior in developing countries. Equalizing access to digital literacy and empowering women’s economy are key to driving fairer digital financial inclusion. Robustness tests show that the average marginal effects obtained are consistent. This study contributes to the literature on gender-based digital financial inclusion and provides policy implications for expanding access to mobile financial services more equitably, especially in developing countries.

Tourism Sector and Regional Income Relationship in Sinjai Khusniati, Navi'ah; Hermansyah, Fakhrul Indra
Hasanuddin Economics and Business Review VOLUME 6 NUMBER 3, 2023
Publisher : Faculty of Economics and Business, Hasanuddin University, Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26487/hebr.v6i3.5101

Several previous studies have revealed that the tourism sector is positively related to regional income (pendapatan asli daerah). Even though the selected research location still does not have tourism potential, the relationship between these two variables is important to discuss to find tourism potential in Sinjai Regency. This research uses quantitative analysis with the ErrorCorrection Model (ECM) approach, which shows that all variables have fulfilled the stationarity test, long-term cointegration, Error-Correction Term (ECT) and the classical assumption test (Boedijoewono, 2012), which is the time data-series from 2012 to 2021 is used to include proxies for the number of tourists, number of hotels and other accommodation, level of infrastructure, Gross Regional Domestic Product (GDRP) in the tourism sector (trade, hotel and restaurant, entertainment and recreation sectors) and Original Regional Income in Sinjai Regency. The results of this research reveal that in the short term, changes in PAD are influenced simultaneously and partially by changes in the number of tourists, the length of roads in good condition, and Tourism GRDP. However, changes in PAD are not influenced by changes in the number of hotels. On the other hand, every change in the number of tourists and the length of road conditions will have an influence on changes both simultaneously and partially in PAD. Finally, the number of hotels and tourism GRDP do not have a significant influence on PAD.

Transforming Welfare Through Digital Connectivity: Empirical Evidence from Indonesia Khusniati, Navi'ah
Journal of Scientific Research, Education, and Technology (JSRET) Vol. 4 No. 4 (2025): Vol. 4 No. 4 2025
Publisher : Kirana Publisher (KNPub)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58526/jsret.v4i4.964

The development of digital transformation offers considerable potential for poverty alleviation. This study examines the determinants of provincial poverty in Indonesia by analyzing panel data from 34 provinces over an eleven-year period. To obtain consistent and robust estimates in diagnostic test, a fixed effects estimator with Driscoll–Kraay standard errors is employed. The findings reveal that education has the most significant impact on poverty reduction, followed by internet access, electricity access, and economic growth, underscoring the critical role of human capital development and digital connectivity in improving household welfare. In contrast, unemployment, the expansion of oil palm plantations, and provincial GDP per capita are associated with notable increases in poverty, reflecting labor market inflexibilities and non-inclusive growth dynamics. The Gini index is not statistically significant, suggesting that short-term fluctuations in inequality do not substantially affect provincial poverty outcomes. These results highlight the need for policies that expand digital infrastructure, enhance educational attainment, and promote inclusive sectoral development while strengthening governance in resource-dependent regions.

A Regional Competitive Framework for Indonesian Sectoral Strategy: Enhancing Plantation Potency in West Papua Khusniati, Navi'ah; Wuri, Margaretha Arnita
Jurnal Dinamika Sosial Ekonomi Vol. 26 No. 2 (2025): Jurnal Dinamika Sosial Ekonomi
Publisher : Agribusiness Department, Faculty of Agriculture, UPN "Veteran" Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31315/jdse.v26i2.16041

This study examines the structure and dynamics of the regional economy of West Papua Province by identifying base and non-base sectors using the Location Quotient (LQ) and Shift Share approaches. The analysis is based on district- and city-level Gross Regional Domestic Product (GRDP) data at constant prices for the period 2012–2022. The LQ estimates indicate that the agricultural sector particularly the plantation subsector exhibits a strong comparative advantage, with 10 out of 13 administrative regions recording LQ values greater than one. The Shift Share analysis reveals substantial heterogeneity in regional competitiveness. Fak-Fak, Kaimana, Manokwari, and Teluk Wondama are classified in Quadrant I, indicating that the plantation subsector in these regions functions not only as a base sector but also demonstrates relatively faster growth compared to the provincial average. In contrast, South Manokwari, Maybrat, Raja Ampat, South Sorong, Tambrauw, and Pegunungan Arfak fall into Quadrant IV, suggesting base sectors with relatively lagging growth performance. Based on these findings, this study emphasizes the development of the coconut industry as a strategic driver of a renewable natural resource–based economy. Nevertheless, the sector continues to face major constraints, including low productivity, high post-harvest losses, and limited market access. Therefore, policies aimed at strengthening value chains, adopting green technologies, and advancing digital governance are essential prerequisites for enhancing regional competitiveness and ensuring the long-term economic sustainability of West Papua.

Does ICT Favor Vulnerable Group? Evidence from Poverty and Inequality Alleviation in Eastern Indonesia Khusniati, Navi'ah
Jurnal Informatika Ekonomi Bisnis Vol. 7, No. 4 (December 2025)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v7i4.1321

The advancement of information technology has resulted in various economic effects. This study examines how access to Information and Communication Technology (ICT) influences poverty and income inequality in Eastern Indonesia, using panel data from 12 provinces between 2014 and 2024. To address potential endogeneity issues like reverse causality and omitted variable bias, the research utilizes Instrumental Variables (2SLS) models for estimation. The findings indicate that while there is a negative correlation between increased internet access and poverty levels, this relationship loses its causal significance once endogeneity is considered. Conversely, ICT consistently shows a negative and significant impact on income inequality, particularly evident in the model. This suggests that ICT is more effective in addressing inequality than in directly reducing poverty. Furthermore, structural factors such as unemployment, electrification, and GRDP per capita play a significant role in shaping the economic welfare dynamics in Eastern Indonesia. The study highlights that digital development can only be inclusive when supported by equitable infrastructure and high-quality human resources.

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