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All Journal Jurnal Ekonomi Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan
Yolanda Widya Anggreni Situmorang
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Impact Of Digitalization On Financial System Stability: Opportunities And Challenges Selfia Putri Johana Eka Ningsih Simatupang; Vina Ramadhani Siregar; Imelda Krisdamayanti; Najma Azhira Lubis; Yolanda Widya Anggreni Situmorang; Dwita Sakuntala
Jurnal Ekonomi Vol. 14 No. 01 (2025): Edition 2025
Publisher : SEAN Institute

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Abstract

Digitalization has brought significant changes in various aspects of life, including the global financial system. This study aiming to analyze the impact of digitalization on the stability of the financial system by highlighting the opportunities and challenges that arise. This research method uses a qualitative approach with literature analysis from various international journals. The results of the study show that digitalization creates opportunities such as increased efficiency, financial inclusion, and transparency, but also presents challenges such US cyber risk, regulatory uncertainty, and market volatility. This study provides relevant insights for policy makers and financial industry players in facing the digital era. This study is expected to be a reference for understanding the role of digitalization in maintaining financial system stability.
Analisis Peranan Ekonomi Digital dalam Meningkatkan Pendapatan Pelaku Usaha Mikro Kecil Menengah (UMKM) di Indonesia Yolanda Widya Anggreni Situmorang; Bakhtiar Efendi; Lia Nazliana Nasution
Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan Vol. 4 No. 2 (2025): Jurnal Ekonomi, Manajemen Pariwisata Dan Perhotelan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jempper.v4i2.4786

Abstract

This study aims to evaluate the extent to which the digital economy plays a role in increasing the income of Micro, Small and Medium Enterprises (MSMEs) in Indonesia. This research methodology is quantitative with the Two-Stage Least Squares (TSLS) approach. The variables analyzed include capital, interest rates, inflation, the use of electronic money (e-money), and Gross Domestic Product (GDP). The results reveal that e-money utilization and GDP growth have a significant positive influence on increasing MSME income. In contrast, inflation has a negative impact. The model that includes e-money and inflation variables has the highest R-squared value, indicating a strong explanatory ability of the income variable. These findings reinforce the importance of digital literacy and economic stability as key supporting factors in optimizing the potential of the digital economy for MSME players.
Co-Authors Bakhtiar Efendi Dwita Sakuntala Imelda Krisdamayanti Lia Nazliana Nasution Najma Azhira Lubis Selfia Putri Johana Eka Ningsih Simatupang Vina Ramadhani Siregar