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All Journal Jurnal Ekonomika Manajemen Dan Bisnis Indonesian Research Journal on Education
Dewi, Zahra Devina
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Religion Arts Humanities Chemistry Economics, Econometrics & Finance Education Energy Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Physics Social Sciences Other

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Digitalisasi QRIS, BI-Fast, dan APBN dalam Mendukung Kebijakan Moneter dan Fiskal Indonesia Hali, Azmal; Sadiah, Halimahtus; Dewi, Zahra Devina; Syahputra, Muhammad Zhafran; Desilva, Valendra; Nuraya, Ahmad Setiawan
Jurnal Ekonomi Manajemen dan Bisnis (JEMB) Vol. 4 No. 1 (2025): Januari - Juni
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jemb.v4i1.2937

Abstract

This research focuses on the implementation of the QRIS payment system, BI-Fast services, and the digitalization of the management of the State Budget (APBN) through SPAN, as well as how digitalization aids the success of monetary and fiscal policies in Indonesia. The lives of the Indonesian people are now significantly influenced by digital transformation in recent years, which has helped to increase household consumption and the economic resilience of the country. This study employs descriptive qualitative research aimed at analyzing the impact of digitalization on the effectiveness of macroeconomic policies, both monetary and fiscal. Descriptive research was chosen because this study focuses on explaining phenomena rather than seeking associations between variables. The results indicate that the implementation of digital payment systems has improved financial inclusion, transaction efficiency, and transparency in the management of the state budget. Despite challenges in implementation, such as lengthy bureaucracy and the potential for budget misuse, digitalization through SPAN is expected to accelerate the payment and disbursement processes. Future research will focus on exploring social impacts, investigating effective collaborations, and creating a digital ecosystem.
Optimal Strategies to Increase National Income in Realising Golden Indonesia 2045 Hali, Azmal; Sadiah, Halimahtus; Dewi, Zahra Devina; Syahputra, Muhammad Zhafran; Desilva, Valendra; Nuraya, Ahmad Setiawan
Indonesian Research Journal on Education Vol. 5 No. 2 (2025): Irje 2025
Publisher : Fakultas Keguruan dan Ilmu Pendidikan, Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/irje.v5i2.2416

Abstract

The Golden Indonesia 2045 is Indonesia's vision established in 2019, aiming for the country to become developed and prosperous by its centennial of independence. This paper outlines the key factors necessary for Indonesia to rank among the world's top five economies, including enhancing human resource quality, infrastructure development, technological advancement, business transformation, and stakeholder engagement while ensuring national stability. Utilizing a qualitative method, this research analyzes data from various journals and official government reports. The findings indicate that achieving economic independence requires a blend of adaptive fiscal policies, innovative industries, and a skilled workforce, all of which are essential to accelerate Indonesia's economic growth.
Co-Authors Desilva, Valendra Hali, Azmal Nuraya, Ahmad Setiawan Sadiah, Halimahtus Syahputra, Muhammad Zhafran