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All Journal INTERNATIONAL JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (INJOSS) INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE) Review of International Economy and finance (RITEF)
Hadenan Towpek
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Religion Humanities Economics, Econometrics & Finance Social Sciences

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THE IMPACT OF THE 2026 INCLUSIVE FISCAL POLICY ON ECONOMIC GROWTH IN DISADVANTAGED REGIONS: A STUDY OF DEVELOPMENT ECONOMICS THEORY AND THE IMPLEMENTATION OF PMK 105/2025 IN INDONESIA Wulandari; Hadenan Towpek
International Journal Of Humanities, Social Sciences And Business (INJOSS) Vol. 5 No. 2 (2026): INTERNATIONAL JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (INJOSS)
Publisher : ADISAM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20095015

Abstract

The 2026 inclusive fiscal policy through PMK 105/2025 on Government-Bearing Income Tax (DTP) has proven effective in driving economic growth in underdeveloped regions in Indonesia with a consumption multiplier effect of 1.6–1.8x among 15 million workers in labour-intensive sectors (textiles, furniture, tourism). A review of development economics theory confirms alignment with the Solow convergence model, Romer’s endogenous growth model, and Hirschman’s ‘big push’ theory to break the Myrdal circular cumulative causation in 128 priority districts. Implementation in Q1 2026 recorded a +4.8% increase in the Gross Regional Domestic Product (GRDP) of underdeveloped regions, a +22% rise in employment, and a 1.8 percentage point reduction in poverty, despite being hampered by regional fiscal capacity (85% dependence on General Allocation Funds) and governance-related leakages. Recommendations include an extension to 2027 with digitalised claims, performance-based transfers, and integration of DID-DTP to achieve 25% regional convergence within 5 years towards the 2025–2029 National Medium-Term Development Plan (RPJMN). 
BRANDING AND DIGITAL MARKETING STRATEGIES FOR SMES IN BRIDGING THE MARKET GAP BETWEEN URBAN AND RURAL AREAS Suslinawati; Hadenan Towpek; Ignatius Septo Pramesworo
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 2 No. 11 (2026): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20199512

Abstract

This study examines branding and digital marketing strategies as effective solutions for Micro, Small and Medium Enterprises (MSMEs) in bridging the market gap between urban and rural areas. Through a literature review, it was found that strengthening brand identity based on local wisdom, authentic storytelling and attractive visual packaging can enhance the competitiveness of rural MSME products in competitive urban markets. These branding strategies create unique differentiation through a unique selling proposition (USP) rooted in local cultural values and natural resources, building consumer trust and long-term loyalty. Meanwhile, digital marketing via social media (Instagram, TikTok), marketplaces (Shopee, Tokopedia), and simple data analytics enables MSMEs to overcome physical infrastructure limitations by gaining real-time access to the national market. The integration of local-modern content strategies, collaboration with local influencers, and the optimisation of digital payment methods such as QRIS have been shown to increase turnover by up to 300% for businesses in remote areas. The synergy between strong branding and digital distribution creates an inclusive ecosystem that empowers the rural economy. Research findings confirm that holistic digital transformation—supported by digital literacy, internet infrastructure, and stakeholder collaboration—not only reduces regional disparities but also contributes to the Sustainable Development Goals (SDGs) through economic equality and the preservation of local culture. Recommendations include mass training programmes, subsidies for rural digital access, and certification of local products to accelerate the national adoption of these strategies.
ORGANISING LOGISTICS IN ALFAMART SAMBAS SUB DISTRICT, TUMUK MANGGIS VILLAGE Anisa Jufri; Hadenan Towpek
Review of International Economy and Finance Vol. 1 No. 2 (2025)
Publisher : CV. ADIBA AISHA AMIRA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.16731589

Abstract

This study aims to evaluate and analyse the organisation of logistics at Alfamart located in Sambas Sub-district, Tumuk Manggis Village. In this study, a descriptive qualitative approach was used using observation methods, in-depth interviews with store managers, logistics staff, and documentation analysis. The results showed that Alfamart Tumuk Manggis Village has implemented a structured logistics management system, including goods receipt, storage, and distribution to sales shelves. However, some of the challenges faced include limited storage space, fluctuations in customer demand, and coordination with suppliers. A product category-based storage system and the use of inventory management software have helped with operational efficiency, but there are still constraints in managing stock-outs and seasonal products. This research suggests increasing warehouse capacity, optimising information technology, and regular training for logistics staff to improve the performance of better logistics organisation. With these improvements, it is expected that Alfamart Sambas Sub-district will be able to improve the efficiency and effectiveness of its logistics operations so that it can provide optimal service to customers.
REDUCING SOCIAL INEQUALITY THROUGH MICRO-INCLUSIVE ECONOMIC POLICIES: A CASE STUDY FROM DEVELOPING COUNTRIES Loso Judijanto; Hadenan Towpek
Review of International Economy and Finance Vol. 1 No. 3 (2025)
Publisher : CV. ADIBA AISHA AMIRA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.16732001

Abstract

This study aims to analyse the effectiveness of micro-inclusive economic policies in addressing social inequality in developing countries. Social inequality often arises due to disparities in access to economic resources, education, and employment, thereby hindering overall community welfare. Through a case study approach, this research explores various policies that focus on empowering small and medium enterprises (SMEs), providing access to credit for vulnerable groups, and training programmes to improve community capacity. The results of the study indicate that micro-inclusive policies have great potential to reduce social inequality and provide opportunities for marginalised groups to contribute more actively to economic activities. However, the implementation of these policies faces challenges such as a lack of synergy between various stakeholders, limited resources, and obstacles in effective policy monitoring. Therefore, this study emphasises the importance of a holistic approach involving the government, the private sector, and civil society in supporting inclusive policies. In addition, policy adaptation to the local context and the use of community-based technology are important strategies for promoting more significant positive impacts. Overall, this study concludes that micro-inclusive economic policies can be an effective tool for reducing social inequality, provided that they are accompanied by transparent and accountable implementation processes and continuous evaluation. The policy recommendations designed from the results of this study can serve as a guide for developing countries to create more equitable and inclusive economic development.
Co-Authors Abda Abda Al-Amin Andi Hafidah Anisa Jufri Erwin Ignatius Septo Pramesworo Iyad Abdallah Al- Shreifeen Jackson Yumame Judijanto, Loso Khuzaini Loso Judijanto Loso Judijanto Miranu Triantoro Mohd Syahrin Novianty Djafri Pupung Purnamasari Rita Hayati Suslinawati WULANDARI