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THE IMPACT AND CORRELATION BETWEEN INFLATION, INTEREST RATES, AND ECONOMIC GROWTH IN INDONESIA. A FIVE-YEAR EXAMINATION (2019-2023) Dewi, Dita Dismalasari; Alpiansah, Restu; Fitriani, Nurida; Baihaqi, Wikan Haqqu
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi Vol 16 No 2 (2024)
Publisher : Accounting Department, Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ekspansi.v16i2.5838

Abstract

This study aims to investigate the influence of inflation and interest rates on Indonesia's economic growth. Employing a quantitative approach with the OLS regression technique, the study uncovers a significant relationship between inflation and economic growth. While high inflation can stimulate aggregate demand, boost investment, and drive economic expansion, it can also lead to economic uncertainty, erode household purchasing power, and hinder economic progress. Similarly, the study reveals a substantial impact of interest rates on economic growth. Low interest rates can encourage investment, enhance consumption, and propel economic growth. However, they can also trigger inflation, depreciate the exchange rate, and heighten the risk of financial crises.
Penyuluhan Dampak Negatif Pinjaman Online di Desa Moyo: Membangun Resiliensi Ekonomi Masyarakat terhadap Praktik Rentenir Digital Hambali, Denny; Sugiarto, Aris; Sriyatun; Fitriani, Nurida; Jibrail, Ahmad; Muhammad Rizqi, Reza
Al-Madani: Jurnal Pengabdian Pada MAsyarakat Vol 4 No 1 (2025): JUNI: Al-Madani (Jurnal Pengabdian Pada Masyarakat)
Publisher : Institut Agama Islam Hamzanwadi Pancor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37216/al-madani(jurnalpengabdianpadamasyarakat).v4i1.2167

Abstract

Technological developments have facilitated access to online lending services (pinjol), but behind this convenience lies many risks, especially for rural communities that have low financial literacy. This service activity was carried out in Moyo Village, Sumbawa Regency, with the aim of increasing community awareness about the dangers of illegal pinjol and building economic resilience against digital loan sharks. Through counseling methods, group discussions, case studies, and simulations, participants were given an understanding of the differences between legal and illegal pinjol, legal and social impacts, and how to manage finances wisely. The evaluation results showed a significant increase in participants' understanding, especially regarding the risks of high interest rates, intimidation, and data misuse. The program also successfully equipped the community with financial management strategies such as saving, budgeting, and avoiding excessive consumption. With this program, it is hoped that the people of Moyo Village can avoid digital debt and be more independent in managing their finances.
Dampak Literasi Keuangan dan Sistem Informasi Akuntansi terhadap Peningkatan Kinerja Keuangan UMKM di Era Digital Ningsih, Laila Fitria; Fitriani, Nurida
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 10 No. 02 (2025): Volume 10, Nomor 02 Juni 2025 publish
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v10i02.29017

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh simultan dari literasi keuangan dan penerapan sistem informasi akuntansi (SIA) terhadap kinerja keuangan Usaha Mikro, Kecil, dan Menengah (UMKM) di era digital. Di tengah pesatnya adopsi teknologi, banyak UMKM gagal menerjemahkan kehadiran digital mereka menjadi keuntungan finansial yang berkelanjutan, yang sering kali disebabkan oleh rendahnya kapabilitas manajerial keuangan. Penelitian ini mengisi kesenjangan tersebut dengan menguji bagaimana kompetensi internal (literasi keuangan) dan perangkat teknologi (SIA) secara bersama-sama mendorong kinerja. Menggunakan pendekatan kuantitatif, penelitian ini mengumpulkan data melalui kuesioner dari 100 pelaku UMKM di Kabupaten Sumbawa, Nusa Tenggara Barat, yang dipilih melalui teknik purposive sampling. Data dianalisis menggunakan metode Structural Equation Modeling - Partial Least Squares (SEM-PLS). Hasil penelitian menunjukkan bahwa baik literasi keuangan (t-value = 4,305; p < 0,05) maupun sistem informasi akuntansi (t-value = 5,811; p < 0,05) memiliki pengaruh yang positif dan signifikan terhadap kinerja keuangan UMKM. Secara kolektif, kedua variabel ini mampu menjelaskan 71,2% variasi kinerja keuangan. Temuan ini menegaskan bahwa investasi dalam teknologi akuntansi harus diimbangi dengan peningkatan pemahaman keuangan pemiliknya untuk mencapai peningkatan kinerja yang optimal dan berkelanjutan.