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All Journal Al-Kharaj: Journal of Islamic Economic and Business Jurnal Teknologi dan Manajemen Industri Terapan
Johny Aninam
Universitas Papua, Indonesia
Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Engineering Industrial & Manufacturing Engineering

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The Role of Digital Financial Inclusion in Reducing Income Disparities in Underdeveloped Regions Johny Aninam
Jurnal Teknologi dan Manajemen Industri Terapan Vol. 1 No. 3 (2022): Jurnal Teknologi dan Manajemen Industri Terapan
Publisher : Yayasan Inovasi Kemajuan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55826/jtmit.v4i3.1654

Abstract

This study investigates the transformative role of digital financial inclusion in mitigating income disparities in underdeveloped regions, with a focus on the socio-economic dynamics of 2026. As traditional banking systems often fail to reach remote and marginalized populations due to high operational costs and infrastructure deficits, digital financial services (DFS), ranging from mobile banking to fintech-driven credit, emerge as a critical bridge. Using a quantitative approach with panel data analysis, this research examines how access to digital payment systems, microfinance, and digital insurance influences the Gini coefficient and household income levels in regions with low economic development. The findings suggest that digital financial inclusion significantly reduces income inequality by lowering transaction costs, fostering entrepreneurship, and enhancing financial resilience among the unbanked. The study concludes that while technology acts as a catalyst, its effectiveness is deeply contingent upon digital literacy and supportive regulatory frameworks. This research contributes to the literature on development economics by providing empirical evidence on how the "fintech revolution" serves as a structural tool for achieving more equitable economic growth in underdeveloped areas.
Determinants of Firm Value Based on Macro and Micro Dynamics: Inflation and Financial Performance as Moderating Variables Siti Aisyah; Johny Aninam; Mekar Meilisa Amalia; Neti Erlina; Novitasari
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i1.9416

Abstract

This study aims to analyze the influence of macroeconomic and microeconomic dynamics on firm value through a dual moderation model. Specifically, this study examines how macroeconomic variables (such as exchange rates and interest rates) affect firm value, with inflation as a moderating variable, and how microeconomic fundamental factors affect firm value, with financial performance as a moderating variable. Using a quantitative approach with the Structural Equation Modeling (SEM) method, this study integrates Signaling Theory and Arbitrage Pricing Theory to explain the phenomenon of capital market volatility. The analysis results indicate that inflation plays a crucial role in weakening the transmission of monetary stability to firm value, while solid financial performance has been shown to strengthen market appreciation of the issuer's intrinsic value. This study provides a theoretical contribution to the financial management literature regarding the interaction between systematic risk and firm-specific risk in determining shareholder value in emerging markets.
Co-Authors Mekar Meilisa Amalia Neti Erlina Novitasari Siti Aisyah