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All Journal EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal REP (Riset Ekonomi Pembangunan) Kreativasi: Journal of Community Empowerment
Retno Agustina Ekaputri
Universitas Bengkulu, Indonesia
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Social Sciences Other

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Financial Technology and Poverty Alleviation in Indonesia During the COVID-19 : Impact Evaluation Analysis Ririn Nopiah; Retno Agustina Ekaputri; Armelly Armelly; Eka Dewi Anggraini
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 12 No 1 (2024): Januari
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v12i1.4865

Abstract

The COVID-19 pandemic has brought significant changes, especially to each country's economic and financial sectors. Economic growth in Indonesia experienced a contraction entering mid-2021. This also impacted limiting economic activity, decreasing household consumption, unemployment risk, and increased poverty. In addition, there are changes in people's behavior, such as digital financing systems, non-cash payment systems, and online buying and selling transaction systems. Efforts to improve the economy are encouraged by stimulating people's economic productivity through adaptation to digital technology developments, especially using digital finance. However, the development of digital finance needs to be supported by public financial literacy and inclusion so that it can positively alleviate poverty. This study aims to analyze the impact of financial technology lending on poverty in Indonesia during the COVID-19 pandemic using instrumental variable analysis (IV) for 2019-202. The results of the study show that fintech lending has a negative effect on the poverty rate. However, it is not significant when other variables are added. E-commerce and the use of credit cards have a negative and significant impact on the poverty rate in Indonesia. In maximizing the role of Fintech in Indonesia, support and cooperation from the government, financial institutions, and various relevant stakeholders are needed.
Pelatihan Pembuatan Desinfektan Skala Rumah Tangga di Kelurahan Kandang Limun Kota Bengkulu Ratu Eva Febriani; Muhammad Rusdi; Retno Agustina Ekaputri; Novi Tri Putri
Kreativasi : Journal of Community Empowerment Vol. 2 No. 1 (2023): Vol.2 No. 1, 2023 : Juni 2023
Publisher : UNIB Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33369/kreativasi.v2i1.28560

Abstract

Health is a precious basic human right. Prevention is better than cure, the jargon is common among the public. However, in its implementation, this is difficult to apply due to various factors, one of which is limited knowledge about how to prevent disease. People in Kandang Limun Village in Bengkulu City are included in the level of urban communities that are identical to living in dense settlements and relatively large populations with diverse characteristics. One of the problems faced by urban residents is the spread of infection from microorganisms (germs and viruses) originating from the surface of objects such as floors, tables, chairs, etc. The use of disinfectants is one solution to overcome these problems. The limited household budget to provide specially purchased disinfectants can be overcome by making their own disinfectants from materials at home.
Penggunaan Media Sosial Untuk Pemasaran Produk Kerajinan Tangan di Kelurahan Bentiring Kota Bengkulu Esti Pasaribu; Retno Agustina Ekaputri; Yusnida; Yefriza; Novi Tri Putri; Septriani
Kreativasi : Journal of Community Empowerment Vol. 2 No. 2 (2023): Vol.2 No. 2, 2023 : September 2023
Publisher : UNIB Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33369/kreativasi.v2i2.29810

Abstract

Women have a big role in the economy, especially during the pandemic covid-19. In this situation, many people can not stand in normal way for selling and buying. The others lost their jobs because the economy were not running well. For this reason, it is necessary to carry out Community Service (PPM) by taking place in the Bentiring Village, Bengkulu City. Activities was carried out in November 2020 not only by providing training on making handicraft accessories but also facilitating them to sell it online using social media. The participants of this activity is representatives of housewives. Online marketing of handicraft accessories will help the community in increasing family income during the pandemic.
THE IMPACT OF E-COMMERCE ON INDONESIA ECONOMIC GROWTH: INTERMEDIATION MODELS WITH FINANCIAL TECHNOLOGY CONSTRAINT Ririn Nopiah; Retno Agustina Ekaputri; Barika Barika; Ratu Eva Febriani
Jurnal REP (Riset Ekonomi Pembangunan) Vol. 9 No. 1 (2024): April 2024
Publisher : Universitas Tidar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31002/rep.v9i1.1216

Abstract

The COVID-19 pandemic triggered economic shocks that adversely affected the global economy. Economic growth contracted significantly. Restrictions on economic activity trigger people's shopping behavior to switch to non-cash and online systems. E-commerce, as one part of digital economic transformation, has experienced a significant increase which impacts the flow of dissemination of ideas, innovations, and information, thus encouraging economic growth. This study analyzes the Impact of e-commerce on economic growth in Indonesia during the COVID-19 pandemic using intermediation models and fixed effect analysis. The results show that e-commerce negatively and significantly impacts economic growth during 2019 and 2021. Because e-commerce stimulates economic growth in a country but needs to be supported by quality infrastructure, quality broadband internet, online security (cyber security), and digital payment systems (e-payment). The variables of online financing, efficiency of government spending, length of schooling, and number of tourists have a positive and significant effect. Meanwhile, the poverty rate and human development index have a negative and significant effect. In maximizing e-commerce activities in Indonesia, strong support and collaboration from the government, financial institutions, and the Ministry of Communication and information technology are needed.
SMART VILLAGE ENTREPRENEURSHIP: PEMBERDAYAAN UMKM BERBASIS LITERASI KEUANGAN DIGITAL DI DESA SERUMBUNG SEBAGAI MOTOR PENGGERAK EKONOMI LOKAL Azansyah; Retno Agustina Ekaputri; Eka Dewi Angraini; Izharudin; Cikit Apriyanti; Shintya Artika Sari; Agni Verlita
Kreativasi : Journal of Community Empowerment Vol. 5 No. 2 (2026): Vol.5 No. 2, 2026 :September 2026
Publisher : UNIB Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33369/kreativasi.v5i2.52621

Abstract

Kegiatan pengabdian kepada masyarakat ini bertujuan meningkatkan kapasitas pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) di Desa Serumbung, Kecamatan Kerkap, Kabupaten Bengkulu Utara melalui literasi keuangan digital berbasis Smart Village Entrepreneurship. Kegiatan dilaksanakan 23 April 2026 di Balai Desa Serumbung dengan melibatkan 30 pelaku UMKM. Permasalahan mitra meliputi pencatatan keuangan yang belum rutin, belum terpisahnya keuangan usaha dan pribadi, keterbatasan pengelolaan arus kas, serta pemanfaatan teknologi digital yang belum optimal. Metode pelaksanaan menggunakan one-day intensive training melalui tahapan persiapan, sosialisasi, praktik, coaching, dan evaluasi. Materi meliputi pemisahan keuangan usaha dan pribadi, pencatatan transaksi, perhitungan laba dan arus kas, laporan keuangan, serta pengenalan media digital untuk mendukung pengelolaan usaha. Evaluasi dilakukan melalui pre-test, post-test, observasi praktik, dan umpan balik peserta. Hasil kegiatan menunjukkan peningkatan rata-rata pemahaman peserta dari 48,2% pada pre-test menjadi 91,4% pada post-test, atau meningkat sebesar 43,2 poin persentase. Sekitar 75% peserta mampu melakukan pencatatan keuangan setelah praktik dan pendampingan. Kegiatan juga menghasilkan modul literasi keuangan digital, template pencatatan keuangan UMKM, media visual, dan rancangan model pemberdayaan Smart Village Entrepreneurship. Program ini menunjukkan bahwa pelatihan praktis dan partisipatif dapat memperkuat kapasitas pengelolaan keuangan UMKM serta menjadi fondasi pengembangan ekonomi lokal yang tertib, adaptif, dan berkelanjutan.
Co-Authors Agni Verlita Armelly Armelly Azansyah Barika, Barika Cikit Apriyanti Eka Dewi Anggraini Eka Dewi Angraini Esti Pasaribu Izharudin Muhammad Rusdi Novi Tri Putri Ratu Eva Febriani Ririn Nopiah Septriani Shintya Artika Sari Yefriza Yusnida