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All Journal Journal of Economic Growth and Development Review
Mansyur, Khusnul Khotimah
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Economics, Econometrics & Finance

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The Impact of Fintech on Financial Inclusion and Regional Economic Growth Mansyur, Khusnul Khotimah
Journal of Economic Growth and Development Review Volume 2 Issue 1 March 2025
Publisher : Professorline

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62012/jegar.v2i1.15

Abstract

This study analyzes the impact of financial technology (fintech) on financial inclusion and regional economic growth in Indonesia during the period 2018-2024 using a mixed methodology approach. The results show that fintech penetration in Indonesia has experienced significant growth especially since the COVID-19 pandemic, although with uneven geographical distribution. Quantitative analysis reveals a positive relationship between fintech adoption, financial inclusion indicators, and regional economic growth, with around 54% of the total effect of fintech penetration on GRDP per capita mediated by increased financial inclusion. This study identifies five main mechanisms that explain the impact of fintech: reduced transaction costs, expanded access to credit, formalization of the informal economy, accelerated entrepreneurship, and increased geographic inclusiveness. It also finds that the impact of fintech is greater in rural and remote areas than in urban areas, highlighting its potential to reduce the gap in access to finance between regions. Internet infrastructure, digital literacy, and regulatory quality play important moderating roles in strengthening the positive impact of fintech. The existence of spatial spillover effects suggests that the economic benefits of fintech can spread to surrounding areas. This study recommends a series of policies to maximize the potential of fintech as a catalyst for inclusive regional economic development in Indonesia.
Quality of human capital and economic growth Mansyur, Khusnul Khotimah
Journal of Economic Growth and Development Review Volume 1 Issue 1 March 2024
Publisher : Professorline

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62012/jegar.v1i1.2

Abstract

The quality of human capital is a separate capital that can be compared to physical capital when creating production in the country. Therefore, improving the quality of human capital is very strategic in terms of economic growth, and the article also claims that there are two critical points in the correlation between human capital and economic growth. First, human capital must be given the same priority as other factors of economic growth. Second, human capital has a significant impact economic growth. Poor quality of human capital can negatively affect economic growth. It is known that the quality of human capital is a type of capital that can be identified with physical capital/natural resources when creating production in a country. Therefore, improving the quality of human capital is very strategic from the point of view of economic growth. At this point, we recognize two essential points in the correlation between human capital and economic growth. First, human capital must be given the same priority as other factors of economic growth. Second, human capital has a significant impact economic growth.
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