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All Journal Bulletin of Islamic Economics Jurnal Bisnis, Ekonomi Syariah dan Pajak
Haerunisa, Ia
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Economics, Econometrics & Finance

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Markov Chain Method to Predict The Sustainability of E-Money Use by Young People in Yogyakarta Najwa, Shofiatun; Haerunisa, Ia; Nabila, Asyifa Eka; Khaitsa, Qina
Bulletin of Islamic Economics Vol. 3 No. 2 (2024)
Publisher : Department of Islamic Economics, Faculty of Islamic Economics and Business, Universitas Islam Negeri Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/bie.2024.032-05

Abstract

The rapid development of digital technology has significantly driven the widespread adoption of electronic money (e-money), particularly among young adults who are generally more adaptive to technological innovations in payment systems. This study aims to predict the sustainability of e-money usage using a Markov chain model approach. Primary data was obtained through a survey of 100 respondents aged 17-30 years, who described their preferences for three e-money services: Dana, Mobile Banking, and ShopeePay. The analysis results show that Mobile Banking has the highest retention rate (62%) and is likely to be the dominant service in the long run. The steady-state prediction indicates that 57.48% of users will continue to use Mobile Banking, while Dana and ShopeePay decline to 19.01% and 23.51% respectively. Although e-money usage is still high, there is a tendency for preference shifts as well as a potential decline in sustainability. Therefore, digital service providers need to respond to this dynamic with innovative strategies to maintain the engagement of young users. This research contributes both theoretically through the application of mathematical models in digital consumer behaviour, and practically for the development of technology-based financial business strategies.
Pengaruh Upah Minimum terhadap Ketimpangan dan Kemiskinan di Pulau Jawa Haerunisa, Ia; Eka Nabila, Asyifa
Jurnal Bisnis, Ekonomi Syariah, dan Pajak Vol. 2 No. 4 (2025): Desember : Jurnal Bisnis, Ekonomi Syariah, dan Pajak (JBEP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jbep.v2i4.1909

Abstract

Income inequality and poverty continue to be major challenges in Indonesia's industrial areas, especially in DKI Jakarta, West Java, and Banten, although minimum wage policies continue to be developed as a form of protection for low-income workers. These policies theoretically serve as an instrument for income redistribution and improvement of labor welfare, but their effectiveness in reducing inequality and reducing poverty rates is still questionable, especially in areas with highly industrialized economic structures. This study aims to analyze the influence of income inequality, poverty rate, economic growth, and unemployment rate on the dynamics of the provincial minimum wage in the 2016–2023 period. The study used secondary data obtained from the Central Statistics Agency and analyzed using panel data regression to obtain a comprehensive empirical picture of the factors determining the minimum wage. The test results show that the Fixed Effect Model is the most suitable model for capturing variations between provinces and between times. Key findings reveal that poverty levels and economic growth have a significant influence on changes in the minimum wage, while income inequality and unemployment rates have no significant influence. The conclusion of the study emphasizes that the minimum wage policy is not effective enough in reducing income inequality and reducing poverty without the expansion of the formal sector, improving the quality of the workforce, and distributing economic growth more evenly between industrial areas.
Co-Authors Eka Nabila, Asyifa Khaitsa, Qina Nabila, Asyifa Eka Najwa, Shofiatun