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All Journal REACTOR : Journal of Research On Chemistry And Engineering Jurnal Multidisiplin Indonesia
Yolanda , Yolanda
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Agriculture, Biological Sciences & Forestry Humanities Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Economics, Econometrics & Finance Energy Law, Crime, Criminology & Criminal Justice

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Digitalization Of Financial Services And Financial Inclusion In Rural Areas Rita Ningsih; Yolanda , Yolanda
Jurnal Multidisiplin Indonesia Vol. 3 No. 2 (2025): Juni : Jurnal Multidisiplin Indonesia
Publisher : PT. ALHAFI BERKAH INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62007/joumi.v3i2.463

Abstract

This research examines the relationship between digitalization of financial services and increasing financial inclusion in rural areas of Indonesia. Through a qualitative approach with interviews and observations in three villages in Central Java, the research identifies that limited internet access, low digital literacy, and infrastructure constraints are the main challenges in implementing digital financial services. However, it was found that branchless banking programs, simple digital wallets, and continuous assistance have successfully increased rural communities' access to formal financial services. Strengthening banking agent networks, structured digital literacy training, and supportive policies are needed to ensure sustainable financial inclusion. The results show that digitalization of financial services has the potential to reduce the financial access gap between urban and rural communities when implemented with consideration of local socio-economic conditions.
The Role of Investment, Tourism Industry and Tourist Visits in Improving the Tourism Sector in Indonesia Muhamad Syahiddin; Sumaryoto , Sumaryoto; Yolanda , Yolanda
Jurnal Multidisiplin Indonesia Vol. 3 No. 2 (2025): Juni : Jurnal Multidisiplin Indonesia
Publisher : PT. ALHAFI BERKAH INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62007/joumi.v3i2.466

Abstract

This study looks at how investment, the travel and tourism sector, and visitor numbers affect Indonesia's tourism business. Panel data comprising 41 districts/cities in the provinces of West Java, Yogyakarta, and Bali from 2014 to 2023 is analyzed using the Pooled Least Squares approach. The fixed effect model used to ascertain the impact of investment, the tourism industry, and tourist visits on Indonesia's tourism sector is displayed via linear regression analysis of panel data. The study's findings show that traditional hotels currently get the majority of investments in the tourism sector, while sustainable tourism wants environmentally friendly hotels and expects environmentally friendly tourism practices and regenerative concepts. The tourism sector in Indonesia needs to improve the quality of infrastructure, information technology, and non-leisure resources. Utilizing the wealth of natural resources, setting new standards for tourism excellence, contributing to economic growth, as well as preserving Indonesia's natural and cultural heritage are strategies that can be carried out to attract a lot of investment aimed at addressing the gap in tourism infrastructure.
Pengaruh Pemasangan Fine Bubble Diffuser terhadap Nilai COD dan BOD Limbah Cair Palm Oil Mill Effluent Akli, Khairul; Yolanda , Yolanda; Akbar, Addin; Senjawati, Maria Isfus
REACTOR: Journal of Research on Chemistry and Engineering Vol. 3 No. 1 (2022)
Publisher : Politeknik ATI Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52759/reactor.v3i1.55

Abstract

The rapid development of the palm oil industry, which cannot be denied, has an impact on the amount of industrial waste, particularly wastewater, requiring proper and effective treatment to reduce the impact of the damage. Wastewater treatment of Palm Oil Mill Effluent (POME) in an aerobic pond requires an adequate supply of oxygen so that its quality improves and becomes disposable, so it requires assistance from aeration media. A fine bubble diffuser was used as the aeration medium in this study. The aeration medium in this study was a fine bubble diffuser. The purpose of this research is to investigate the impact of installing a diffuser on the quality of the final wastewater, particularly the COD and BOD values, in the palm oil industry wastewater treatment. The analysis results for the wastewater parameters after the installation of the fine bubble diffuser revealed a significant reduction in the waste's COD and BOD values to 130 – 175 mg/L and 67 – 78 mg/L, respectively, making it more suitable for disposal to the environment.
Co-Authors Addin Akbar Akli, Khairul Maria Isfus Senjawati Muhamad Syahiddin Rita Ningsih Sumaryoto , Sumaryoto