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Can Financial Technology Drive Economic Growth in Indonesia? Eogenie Lakilaki; Annisa Syaqbania; Rizki Amelia; Septio Pratama Putra; Muhamad; Nia Afriza
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 1: November 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i1.6201

Abstract

This study aims to analyze the contribution of fintech to economic growth in Indonesia using a quantitative approach. Fintech, which encompasses digital payment platforms and peer-to-peer lending (P2P) services, has facilitated convenient access to financial resources and enhanced transactional efficiency. However, negative impacts have also been identified, particularly the risk of default and high interest rates, which may impede economic growth. The data employed in this study encompasses the distribution of fintech financing registered with the Financial Services Authority (OJK) from 2018 to 2023, in addition to Indonesia's economic growth data from the Central Statistics Agency (BPS). The analysis findings indicate that while fintech has significant potential in expanding financial inclusion, its adverse effects, such as elevated levels of bad debt and misallocated financing, can impede economic growth.
Can Financial Technology Drive Economic Growth in Indonesia? Eogenie Lakilaki; Annisa Syaqbania; Rizki Amelia; Septio Pratama Putra; Muhamad; Nia Afriza
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 1: November 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i1.6201

Abstract

This study aims to analyze the contribution of fintech to economic growth in Indonesia using a quantitative approach. Fintech, which encompasses digital payment platforms and peer-to-peer lending (P2P) services, has facilitated convenient access to financial resources and enhanced transactional efficiency. However, negative impacts have also been identified, particularly the risk of default and high interest rates, which may impede economic growth. The data employed in this study encompasses the distribution of fintech financing registered with the Financial Services Authority (OJK) from 2018 to 2023, in addition to Indonesia's economic growth data from the Central Statistics Agency (BPS). The analysis findings indicate that while fintech has significant potential in expanding financial inclusion, its adverse effects, such as elevated levels of bad debt and misallocated financing, can impede economic growth.
Analisis Kinerja Pemanfaatan Kapasitas Depo Kontainer Berdasarkan Yard Occupancy Ratio, Turnover Rate, dan Average Storage Time pada Depo PT MTKI Dian Mulyaningtyas; Septio Pratama Putra
Journal of Collaborative Industrial Management (JCIM) Vol. 2 No. 2 (2026): Journal of Collaborative Industrial Management
Publisher : Publika Bersama Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

PT Masaji Tatanan Kontainer Indonesia (MTKI), an off-dock container depot under the Samudera Indonesia Group in Batam, faces mounting yard capacity pressure amid Batam's container throughput growth, which reached 797,087 TEUs in 2025. This study analyzes the yard capacity utilization performance of the MTKI depot for the period of December 2025–May 2026 using three integrated indicators: Yard Occupancy Ratio (YOR), Turnover Rate (TR), and Average Storage Time (AST). A descriptive quantitative approach used secondary operational data (gate-in, gate-out, utilized capacity) supported by primary interview data from operational staff. The results show that the average YOR for the research period (January–May 2026) reached 107.1%, already exceeding the depot's maximum capacity of 600 TEUs, rising from the optimal range in January–February 2026 (60–85%) to the overutilization zone in March–May 2026 (>100%); an average TR of 0.289, indicating low container rotation; and an average AST of 30.9 days, far exceeding the port container yard literature standard (3–5 days). However, based on an operational standard adjusted to the depot's export-driven empty container characteristics (0–14/15–28/>29 days), the proportion of inefficient containers dropped from 96.1% to 40.3%, confirming that part of the inefficiency indicated by international standards reflects a normal characteristic of depot business. The three indicators were found to be interrelated, consistent with the interdependency theory of the Ghana Port Study (2020) and Zhang et al. (2024). This study contributes to the still-limited literature on off-dock container depot management and provides a basis for evaluating free-time policy and container release prioritization for MTKI's management.