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All Journal Aptisi Transactions on Technopreneurship (ATT) Economics Studies and Banking Journal
Guntur, Yohanes Sri
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Humanities Computer Science & IT Economics, Econometrics & Finance Education Social Sciences

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Role of Personal Savings in Financial Tech Impact on Family Planning in Indonesia Cahyono, Dwi; Susbiyani, Arik; Lestari, Evi; Fauziyah, Fauziyah; Qomariah, Nurul; Guntur, Yohanes Sri
Aptisi Transactions On Technopreneurship (ATT) Vol 7 No 1 (2025): March
Publisher : Pandawan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34306/att.v7i1.494

Abstract

The study explored the impact of financial technology (FinTech) on family financial planning (FFP) among young families in Indonesia, with a focus on Personal Saving Orientation (PSO) as a moderating variable. Financial technology has significantly transformed personal financial management, enabling better access to tools for budgeting, tracking, and saving. However, its direct impact on FFP remains underexplored, especially in developing countries like Indonesia.This research aims to analyze the role of FinTech in shaping financial behaviors and examine PSO moderating influence on the relationship between FinTech adoption and FFP. The study employed a quantitative approach using Structural Equation Modeling (SEM) to analyze data collected from 217 young families. The variables examined include PSO, FinTech adoption, and FFP. The findings reveal that FinTech positively impacts PSO (estimate = 0.799, p-value = 0.000), highlighting its role in improving financial habits and saving behaviors. While the direct relationship between FinTech and FFP is not significant (p-value > 0.05), PSO effectively enhances FinTech influence on FFP, emphasizing its critical role as a moderating factor. This study underscores the importance of integrating PSO into financial strategies to optimize the benefits of FinTech, particularly for young families. These findings provide practical insights for FinTech developers to design tools that promote saving behaviors and for policymakers to encourage financial literacy and inclusion. By aligning with Sustainable Development Goals (SDGs), this research contributes to poverty reduction, economic stability, and financial well-being.
NATURAL RESOURCE EXPLOITATION AND STRUCTURAL TRANSFORMATION IN EAST KALIMANTAN: CHALLENGES FOR INCLUSIVE ECONOMIC DEVELOPMENT Hakim, Abdul; Syarifuddin, Syarifuddin; Guntur, Yohanes Sri
Economics Studies and Banking Journal (DEMAND) Vol. 2 No. 4 (2025): Economics Studies and Banking Journal (DEMAND)
Publisher : Penelitian dan Pengembangan Ilmu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62207/2bqjj002

Abstract

East Kalimantan represents a critical case study of resource-dependent regional economies struggling to achieve structural transformation despite substantial natural resource endowments. This research examines the paradox of persistent extractive sector dominance and limited economic diversification in Indonesia's wealthiest province. Employing qualitative methodology through document analysis and secondary data synthesis, this study analyzes economic structure evolution during 2023-2025, revealing that mining and extractive industries continue to account for 68.4% of regional GDP while absorbing only 12.3% of the workforce. The research identifies three primary barriers to inclusive development: premature deindustrialization patterns, asymmetric capital accumulation favoring resource sectors, and institutional frameworks perpetuating enclave economy characteristics. Analysis of 2024 provincial data demonstrates that despite per capita income reaching IDR 187.4 million, poverty rates in extractive-dependent districts remain 3.2 percentage points above provincial averages. The findings challenge conventional resource curse narratives by demonstrating that institutional design rather than resource abundance itself constitutes the fundamental constraint. This research contributes to development economics literature by documenting how subnational resource governance structures mediate national-level development outcomes. Policy implications emphasize the necessity of redistributive mechanisms, forward linkage development, and deliberate industrial policy coordination to achieve structural transformation objectives aligned with Indonesia's 2045 vision.
Co-Authors Abdul Hakim DWI CAHYONO Evi Lestari Nurul Qomariah RR. Ella Evrita Hestiandari Susbiyani, Arik Syarifuddin Syarifuddin