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All Journal Return : Study of Management, Economic and Bussines INJURITY: Journal of Interdisciplinary Studies
Sofi Meidyasari
Universitas Borobudur
Economics, Econometrics & Finance Education Engineering Public Health Social Sciences

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Contribution of E-Money Transaction Volume, Fintech Peer-to-Peer Lending, and Credit and Debit Card Ownership to Indonesian Financial System Stability Sofi Meidyasari; Heru Subiyantoro; Yolanda
Return : Study of Management, Economic and Bussines Vol. 5 No. 7 (2026): Return: Study of Management, Economic and Business
Publisher : PT. Publikasiku Academic Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57096/return.v5i7.478

Abstract

In the context of the 2019-2024 period, the stability of Indonesia's financial system has become a critical pillar in the preservation of national economic resilience, particularly in the face of a variety of global disruptions. This study examines the contribution of e-money transaction volume, fintech peer-to-peer lending, credit and debit card ownership, and inflation to the stability of the Indonesian financial system. Employing the Vector Error Correction Model (VECM) technique, we analyze monthly time series data spanning 84 observations from January 2019 to December 2024, sourced from official Indonesian financial authorities. The analysis reveals that, in both the short and long run, e-money transaction volume, fintech peer-to-peer lending, and credit and debit card ownership exert significant positive effects on financial system stability. In contrast, inflation demonstrates a significant negative impact. These findings underscore the stabilizing role of digital financial innovations amid inflationary pressures, offering policy implications for enhancing financial resilience in emerging markets like Indonesia.
The Impact of Digital Economy in Driving Economic Growth and Development in Indonesia Sofi Meidyasari
Interdiciplinary Journal and Hummanity (INJURITY) Vol. 3 No. 11 (2024): INJURITY: Journal of Interdisciplinary Studies.
Publisher : Pusat Publikasi Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58631/injurity.v3i11.1306

Abstract

The digital economy has been proven to have a significant impact on economic growth and national development in Indonesia, and with effective management, the digital economy can become a key driver of economic growth in the future. This research aims to analyze the impact of digital economic transformation on Indonesia's economy, focusing on how digital technology can improve productivity, innovation, and market access for various sectors. Data were collected from various relevant sources, including journals, government reports, articles, and case studies. The qualitative method combined with the literature review and triangulation approach facilitated an in-depth understanding of the complex and evolving dynamics of digital economy in Indonesia. The study aimed to provide nuanced insights and actionable policy recommendations to support the sustainable development of the Indonesian digital economy. Through a comprehensive approach, this research could explore access to digital tools, funding, and training as critical elements for MSME success in the digital era.
Co-Authors Heru Subiyantoro Yolanda