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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 Jurnal Malikussaleh Mengabdi Journal of Development Economic and Social Studies (JDESS)
Finuliyah, Firdaus
Unknown Affiliation
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice 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.
Peningkatan Literasi Keuangan bagi Ibu Rumah Tangga di Desa Klampok, Kecamatan Singosari, Kabupaten Malang Susilo; Pimada, Laila Masruro; Pane, Ryan Andika Pratama; Sutrisno, Dhana Varisya Angel; Finuliyah, Firdaus
Jurnal Malikussaleh Mengabdi Vol. 5 No. 1 (2026): Jurnal Malikussaleh Mengabdi, Januari 2026
Publisher : LPPM Universitas Malikussaleh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29103/jmm.v5i1.25388

Abstract

Kegiatan pengabdian masyarakat ini bertujuan untuk meningkatkan literasi keuangan ibu rumah tangga di Desa Klampok, Kecamatan Singosari, Kabupaten Malang. Literasi keuangan yang memadai sangat penting bagi kesejahteraan ekonomi keluarga, namun, tingkat literasi keuangan di Indonesia, khususnya pada perempuan, masih perlu ditingkatkan. Data SNLIK 2024 menunjukkan indeks literasi keuangan perempuan lebih rendah dibandingkan laki-laki. Ibu rumah tangga memegang peranan penting dalam pengelolaan keuangan keluarga, sehingga peningkatan literasi keuangan mereka akan berdampak signifikan pada kesejahteraan keluarga. Program ini dirancang dengan pendekatan partisipatif dan kolaboratif, melibatkan ibu rumah tangga sebagai mitra aktif. Kegiatan meliputi persiapan, asesmen kebutuhan, pelatihan literasi keuangan serta evaluasi, dan upaya keberlanjutan program. Pelatihan akan mencakup topik-topik penting seperti perencanaan keuangan keluarga, pengenalan lembaga keuangan, kewaspadaan terhadap investasi dan pinjaman online ilegal serta penggunaan teknologi aplikasi pencatatan keuangan digital. Metode pelatihan interaktif seperti studi kasus dan simulasi akan digunakan untuk memastikan pemahaman dan penerapan yang efektif. Program ini diharapkan dapat memberdayakan ibu rumah tangga dengan pengetahuan dan keterampilan yang dibutuhkan untuk mengelola keuangan keluarga secara efektif, membuat keputusan keuangan yang tepat, dan mencapai tujuan keuangan keluarga. Dengan demikian, program ini berkontribusi pada peningkatan kesejahteraan keluarga, pemberdayaan perempuan, dan pembangunan ekonomi masyarakat di Desa Klampok.
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.
Co-Authors Afif Khoiruddin, Muhammad Al Muizzuddin Fazaalloh, Al Muizzuddin Alfi Muflikhah Lestari Axellina Muara Setyanti, Axellina Muara Kesuma, Rian Surya Khoiruddin, M. Afif Khoiruddin, Muhammad Afif Moh. Khusaini Muara Setyanti, Axellina Pane, Ryan Andika Pratama Purba, Dano Putu Mahardika Adi Saputra Rafliansyah, Muhammad Dzaky Saputra, Dhira K. Susilo Susilo Susilo Sutrisno, Dhana Varisya Angel Wildan Syafitri Yulianti, Nida