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All Journal International Journal of Business and Quality Research Asia Pacific Journal of Business Economics and Technology Asia Pacific Journal of Business Economics and Technology
Syamsul Huda
UPN Veteran Jawa Timur
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Electrical & Electronics Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Social Sciences

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The Effect of Digital Financial Inclusion, MSME Productivity, and Regional Investment on Economic Growth in Malang Regency Syamsul Huda
International Journal of Business and Quality Research Vol. 4 No. 03 (2026): July - September, International Journal of Business and Quality Research (IJBQ
Publisher : Citakonsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijbqr.v4i03.4830

Abstract

This study examines the effects of digital financial inclusion, MSME productivity, and regional investment on economic growth in Malang Regency. Malang Regency was selected because it is a large regency with a diverse local economy, including manufacturing, agriculture, trade, tourism, and subdistrict-based micro and small enterprises. Regional economic digitalization is increasingly relevant because digital payments, fintech-based financial services, and MSME digital transformation can expand market access, reduce transaction costs, and promote more inclusive growth. This study applies an explanatory quantitative approach using a subdistrict-year panel design covering 33 subdistricts from 2019 to 2024, yielding 198 observations. Economic growth is proxied by a local economic growth index, digital financial inclusion by an index of digital financial service usage, MSME productivity by an index of turnover and output per worker, and regional investment by realized domestic and foreign investment. Multiple linear regression is employed after classical assumption tests. The simulated estimation results indicate that digital financial inclusion, MSME productivity, and regional investment positively and significantly influence economic growth. The adjusted R-squared value is 0.582, suggesting that the model explains 58.2 percent of the variation in local economic growth. Digital financial inclusion shows the strongest standardized effect, followed by regional investment and MSME productivity. The findings emphasize that inclusive regional growth requires an integrated policy combining digital finance expansion, MSME productivity upgrading, and productive investment acceleration
Digital Transformation and Inclusive Economic Development in Indonesia: Human Development as a Conditional Regional Factor Syamsul Huda
Asia Pacific Journal of Business Economics and Technology Vol. 6 No. 03 (2026): June-July
Publisher : Cita Konsultindo Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.98765/apjbet.v6i03.335

Abstract

This article critically examines how digital transformation is associated with inclusive economic growth across Indonesian provinces and whether human development conditions that relationship. The study uses provincial panel data for 2017 to 2023 and applies panel regression with an interaction specification. Inclusive growth is represented by the income distribution and poverty reduction dimension of the inclusive economic development index, while digitalization is proxied by the information and communication technology development index. The empirical pattern suggests that digitalization is positively related to inclusive growth. However, the interaction between digitalization and human development is negative and statistically meaningful, indicating that higher human development does not automatically intensify the inclusive benefits of technology. A sub sample reading reveals different regional dynamics. Digitalization appears to expand economic access in provinces with lower human development, whereas in more developed provinces it may concentrate gains among workers and firms with stronger digital capability. The article argues that digitalization should not be treated as a socially neutral development instrument. Its inclusive value depends on the distribution of skills, infrastructure, labor protection, and regional absorptive capacity. Policy responses therefore need to be differentiated, with basic access and literacy prioritized in lagging regions and advanced digital skills, labor transition support, and platform regulation strengthened in more developed regions.
Digital Transformation and Inclusive Economic Development in Indonesia: Human Development as a Conditional Regional Factor Syamsul Huda
Asia Pacific Journal of Business Economics and Technology Vol. 6 No. 03 (2026): June-July
Publisher : Cita Konsultindo Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.98765/apjbet.v6i03.335

Abstract

This article critically examines how digital transformation is associated with inclusive economic growth across Indonesian provinces and whether human development conditions that relationship. The study uses provincial panel data for 2017 to 2023 and applies panel regression with an interaction specification. Inclusive growth is represented by the income distribution and poverty reduction dimension of the inclusive economic development index, while digitalization is proxied by the information and communication technology development index. The empirical pattern suggests that digitalization is positively related to inclusive growth. However, the interaction between digitalization and human development is negative and statistically meaningful, indicating that higher human development does not automatically intensify the inclusive benefits of technology. A sub sample reading reveals different regional dynamics. Digitalization appears to expand economic access in provinces with lower human development, whereas in more developed provinces it may concentrate gains among workers and firms with stronger digital capability. The article argues that digitalization should not be treated as a socially neutral development instrument. Its inclusive value depends on the distribution of skills, infrastructure, labor protection, and regional absorptive capacity. Policy responses therefore need to be differentiated, with basic access and literacy prioritized in lagging regions and advanced digital skills, labor transition support, and platform regulation strengthened in more developed regions.
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