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All Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Kreativasi: Journal of Community Empowerment
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Pengenalan Transaksi Digital: Upaya Meningkatkan Literasi Keuangan Masyarakat Desa Karang Panggung Saputra, Irawan; Zulhija, Shela Rahmat; Hestika, Dela; Apriyanti, Mike; Zalianti, Olvy Dica; Resmana, Rifky Tria; Barika
Kreativasi : Journal of Community Empowerment Vol. 3 No. 3 (2024): Vol.3 No.3,2024: Desember 2024 (IN PRESS)
Publisher : UNIB Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33369/kreativasi.v3i3.38662

Abstract

The development of information and communication technology has driven significant changes in the financial system, including the adoption of digital transactions as an alternative to cash transactions. transactions. However, the low level of digital financial literacy in rural communitiesis an obstacle in optimally utilising this technology. Through socialisation and education on non-cash transactions, this community outreach programme aims to increase the digital literacy of the programme aims to improve the digital literacy of the people of Karang Panggung Village, Merigi Sakti Sub-district, Bengkulu Regency. Karang Panggung Village, Merigi Sakti Sub-district, Central Bengkulu Regency. Methods. used was a qualitative approach with surveys and socialisation to 30 randomly selected households. selected randomly. This activity includes education on digital financial management digital financial management, transaction security, and the utilisation of electronic payment applications. The results of the activities showed an increase in community understanding of the benefits, risks, and how to use digital transactions wisely. This programme has successfully encouraged the community of Karang Panggung Village to be more confident in adopting digital financial technology, support financial inclusion, and improve local economic welfare
Pengaruh Kesenjangan Sosial dan Ketimpangan Ekonomi Terhadap Tingkat Kriminalitas di Indonesia Aprilisa Faustine Kacaribu; Barika
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 5 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah 
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i5.7131

Abstract

This research aims to investigate the factors of social inequality and economic inequality that contribute to different crime rates in Indonesia from 2018 to 2022. In this research, variables such as poverty, unemployment, average years of schooling, population, and Gini ratio will be considered . This research uses quantitative methods to analyze panel data using multiple linear regression methods and Eviews 12. The results of the research show that the variables of population and poverty influence the crime rate in Indonesia, but the variables of unemployment, average years of schooling, and the Gini ratio do not influence the rate. crime in Indonesia.
Analisis Dampak Harga Minyak Dunia dan Nilai Tukar Terhadap Pertumbuhan Ekonomi Indonesia Tahun 2009-2023 Sondang Engelina Situmorang; Barika
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 5 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah 
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i5.7134

Abstract

This study will look at how variations in world oil prices and currency exchange rates affect Indonesia's economic growth in the short and long term, from 2009 to 2023. Using a quantitative method using the error correction (ECM) model, the results of the study show that oil prices and exchange rates have a significant influence on Indonesia's economic growth in the long term. But on the other hand, in the short term, oil prices and exchange rates do not have a significant impact on economic growth. This research can conclude that changes in oil prices and exchange rate fluctuations have a greater impact on the long-term economy, which means that it has a very important impact on Indonesia's economic policy.
Co-Authors Aprilisa Faustine Kacaribu Apriyanti, Mike Hestika, Dela Irawan Saputra Resmana, Rifky Tria Sondang Engelina Situmorang Zalianti, Olvy Dica Zulhija, Shela Rahmat