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All Journal Lensa Ekonomi Research Horizon
Situmorang, Elina Relawaty
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Arts Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Exploring Consumer Credit Impact on Debtor Welfare at Bank Branch Office Kapisa, Ronald Zeth; Situmorang, Elina Relawaty; Werimon, Simson
Research Horizon Vol. 5 No. 5 (2025): Research Horizon - October 2025
Publisher : LifeSciFi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54518/rh.5.5.2025.789

Abstract

Household consumption represents a key driver of regional economic growth, as it influences aggregate demand and contributes substantially to gross regional domestic product. Access to consumer credit offered by financial institutions enables households to maintain consumption stability and fulfill essential needs, potentially enhancing welfare. However, if mismanaged, credit may result in excessive financial burdens and reduced quality of life. This study aims to examine the effect of consumer credit on debtor welfare. A quantitative approach was applied using a simple linear regression analysis, with data collected through questionnaires distributed to consumer credit debtors. The results indicate a statistically significant positive effect of consumer credit on debtor welfare, as shown by a regression coefficient of 0.587 and a significance value below 0.05. These findings suggest that increased access to credit contributes to improved household welfare. The study highlights the importance of strengthening credit service quality and promoting responsible financial behavior to ensure that consumer credit functions as a tool for improving welfare rather than creating financial distress. Insights from this research can support banks and local governments in formulating policies that enhance financial inclusion and sustainable economic well-being.  
INFLASI TERHADAP KEMISKINAN PAPUA BARAT Situmorang, Elina Relawaty; Aninam, Johny; Alisyah, La Ode
Lensa Ekonomi Vol 20 No 2 (2025): Lensa Ekonomi
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Papua

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30862/lensa.v20i2.456

Abstract

This study aims to analyze the relationship between inflation and poverty levels in West Papua Province prior to the establishment of Southwest Papua, covering the period 2010–2019. West Papua is one of the provinces in Indonesia with persistently high inflation and poverty rates, making it a relevant case for regional economic analysis. This research employs a descriptive quantitative approach using secondary data on inflation and poverty obtained from Statistics Indonesia (BPS) and Bank Indonesia. The analysis is conducted through data tabulation and comparative assessment between West Papua, Papua Province, and the national average. The results indicate that West Papua consistently experienced inflation and poverty levels above the national average during the study period. High inflation potentially exacerbated poverty by reducing the purchasing power of low-income households, particularly in regions with structural economic constraints. These findings highlight the importance of inflation control policies that are sensitive to regional disparities and integrated with poverty reduction strategies. Future studies are recommended to apply econometric methods to quantify the magnitude of inflation’s impact on poverty more precisely.
Co-Authors Alisyah, La Ode Aninam, Johny Kapisa, Ronald Zeth Simson Werimon