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All Journal Assets : Jurnal Ekonomi, Manajemen dan Akuntansi WIDYAKALA JOURNAL Journal of Indonesian Tourism, Hospitality and Recreation ANALISIS - SCIENTIFIC JOURNAL OF ECONOMICS, MANAGEMENT, BUSINESS, AND ACCOUNTING Jurnal Ketenagakerjaan Asia Pacific Journal of Management and Education Journal of International Conference Proceedings Neo Journal of economy and social humanities SETARA: Jurnal Studi Gender dan Anak ANOA: Jurnal Pengabdian Masyarakat Fakultas Teknik Journal of Development Economic and Social Studies (JDESS)
Finuliyah, Firdaus
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Religion Arts Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mechanical Engineering Social Sciences Other

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THE ROLE OF HUMAN CAPITAL IN MARRIED WOMEN'S LABOR MARKET PARTICIPATION: A MICRODATA ANALYSIS FROM SAKERNAS Setyanti, Axellina Muara; Finuliyah, Firdaus
ANALISIS Vol. 14 No. 2 (2024): ANALISIS VOL. 14 NO. 02 TAHUN 2024
Publisher : FACULTY OF ECONOMICS AND BUSINESS FLORES UNIVERSITY

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37478/als.v14i2.4575

Abstract

This study aims to analyze the effect of human capital on the tendency of married women to enter the labor market. With 149,508 samples from the National Labor Force Survey, this study uses a binary logistic regression analysis technique with several modifications to grouping samples based on rural – urban categories, and types of work. This study found that in general observation, the tendency to work increased in the group of women with higher education (diploma and university) although not significantly. The same thing was also found in both the rural and urban classifications. Furthermore, in the classification based on the type of work, only in the type of work employees/staff/laborers of secondary and higher education both increase the tendency to work. Women with higher education were found to be more likely to work after marriage, indicated by a higher odds ratio than women with secondary education. The same effect was not found in the type of work self-employed, casual workers, or family workers. The findings of this study imply that on average to the secondary level, education does not affect the participation of married women in the labor market in Indonesia, but only in higher education and formal employment.
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.
Improving Village-Owned Enterprise Governance Through Financial Digitalization in Malang Regency Prasetyia, Ferry; Paksi, Girindra Mega; Arif, Mohammad Erfan; Herawan, Tutut; Finuliyah, Firdaus
Anoa : Jurnal Pengabdian Masyarakat Fakultas Teknik Vol 5 No 01 (2026): Edisi Juni Tahun 2026 Anoa : Jurnal Pengabdian Masyarakat Fakultas Teknik
Publisher : FAKULTAS TEKNIK UMKENDARI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51454/anoa.v5i01.1723

Abstract

An accountable and efficient system of village financial management is a fundamental pillar in realizing good governance at the village level. However, significant challenges persist in the implementation of such financial management systems, primarily due to limitations in human resource capacity, information technology infrastructure, and institutional governance within villages. These issues are not confined to village administrative apparatus alone, but also extend to community-level institutions such as village-owned enterprises in Malang Regency. To date, there has been no systematic and sustainable intervention that integrates digital innovation with a community-based institutional empowerment approach. This underscores the urgent need to develop a village financial information system that is not merely digital in nature, but also user-friendly, adaptable to local capacities, and aligned with the principles of good governance. This community engagement program is designed to enhance the governance capacity of village-owned enterprise financial management through the application of such an information system. Specifically, this initiative aims to: (a) develop a prototype of a village financial information system integrated with good governance principles; (b) improve the digital and financial literacy of managers of village-owned enterprises through targeted training and assistance; and (c) strengthen village institutional capacity to manage financial information in a transparent and sustainable manner. The community engagement program concludes that strengthening the financial governance of village-owned enterprises requires an integrated approach that combines digital innovation, community participation, capacity building, and institutional support.
Co-Authors Afif Khoiruddin, Muhammad Al Muizzuddin Fazaalloh, Al Muizzuddin Alfi Muflikhah Lestari Arif, Mohammad Erfan Axellina Muara Setyanti, Axellina Muara Ferry Prasetyia Kesuma, Rian Surya Khoiruddin, M. Afif Khoiruddin, Muhammad Afif Moh. Khusaini Muara Setyanti, Axellina Paksi, Girindra Mega Purba, Dano Putu Mahardika Adi Saputra Rafliansyah, Muhammad Dzaky Saputra, Dhira K. Susilo Susilo Tutut Herawan, Tutut Wildan Syafitri Yulianti, Nida