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All Journal Jurnal Reviu Akuntansi dan Keuangan Ekonomikawan : Jurnal Ilmu Ekonomi dan Studi Pembangunan Jurnal Media Wahana Ekonomika ARISTO Equilibrium: Jurnal Ilmiah Ekonomi, Manajemen dan Akuntansi Jurnal Ilmiah Edunomika (JIE) Jurnal Pengabdian dan Edukasi Sekolah (Jubaedah) International Journal of Science and Society (IJSOC) Journal of Economics Research and Policy Studies
Nugraha, Handy
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Materials Science & Nanotechnology Mathematics Social Sciences Other

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Sociodemography effect on digital financial inclusion in Indonesia: Evidence from the World Bank’s Global Findex Andriyani, Nur; Salam, Annisa Nur; Aisyah, Siti; Nugraha, Handy
Journal of Economics Research and Policy Studies Vol. 5 No. 3 (2025): Journal of Economics Research and Policy Studies
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/jerps.v5i3.2013

Abstract

Digital financial inclusion is an effective and efficient measure in accelerating financial inclusion, including in Indonesia. This study aims to analyze sociodemographic factors on the probability of digital payment usage. The data used comes from the World Bank Gallup World Poll Survey 2021 on the Global Financial Inclusion Index released by the World Bank, with 1,062 respondents. By applying logistic regression, this study explores the influence of sociodemographic factors such as gender, education, income, age, place of residence, and internet access on the probability of using digital payments. The results show an imbalance in gender, with women having a higher likelihood of using digital payments. Additionally, higher education and income levels increase the likelihood of using digital payments. However, there is an inconsistency where higher income actually reduces the likelihood of using digital payment services. On the other hand, there is a disparity in opportunities between individuals living in rural and urban areas and in accessibility to the internet. The U-shaped hypothesis regarding the relationship between age and digital payment usage is proven in this study. Overall, the results show that individuals with higher sociodemographic status are more likely to use financial technology.
Analisis Tren Pembiayaan Alternatif Digital: Studi Kasus Paylater Kredivo di Indonesia Prasetyo, Muhammad Nara Rafli; Nugraha, Handy
JURNAL ILMIAH EDUNOMIKA Vol. 10 No. 2 (2026): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v10i2.19897

Abstract

The use of paylater services in Indonesia continues to rise, particularly for online shopping. However, this growth also increases the risk of default and consumer debt. Therefore, it is important for the public to understand the factors that influence the use of paylater services. This study aims to analyze the influence of the Provincial Minimum Wage, Gross Regional Domestic Product, and Information and Communication Technology skills on the percentage of Kredivo Paylater users in Indonesia. Based on a literature review conducted by the researchers, this study is the first to directly link ICT skills with the use of Kredivo Paylater in Indonesia. This study employs a quantitative approach using panel data regression analysis across 10 provinces for the period 2021–2023. The results indicate that ICT skills significantly influence the use of Kredivo Paylater. As the public’s ICT skills improve, this will drive the development of the paylater industry, thereby increasing the likelihood of achieving financial inclusion and enhancing public welfare. These findings are expected to serve as a reference for research on the digital economy particularly in the fintech paylater sector as well as a basis for policy considerations regarding the digital economy in Indonesia.
Co-Authors Al-maisyaroh, Renni Nur Ali Zainal Abidin Amalia, Adinda Maulida Anggraini, Viona Azzahro, Siti Fatimah Febriani, Hanifah Gustinanda, Mega Mustika Inda Fresti Puspitasari Lukita, Austin Ratna Makarim, Zaki Anwar Muhammad Anas Nabila, Vianisa Nur Andriyani PP, Kenny Pradipta Montoya Prasetyo, Muhammad Nara Rafli Puspitasari, Wina Kristi Putriana, Sinta Salam, Annisa Nur Santi Putriani Siti Aisyah Trian Gigih Kuncoro