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All Journal JEPA (Jurnal Ekonomi Pertanian dan Agribisnis) Conference Proceedings International Conference on Education Innovation and Social Science
Supartoyo, Yesi Hendriani
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Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences

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Journal : Conference Proceedings International Conference on Education Innovation and Social Science

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Advancing Financial Inclusion Through Fintech to Drive the Development of A Digital Society Supartoyo, Yesi Hendriani
Proceedings International Conference on Education Innovation and Social Science 2022: Proceedings International Conference on Education Innovation and Social Science
Publisher : Universitas Muhammadiyah Surakarta

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Abstract

It is vital for Indonesia to accelerate the adoption of FinTech to democratize access to financial services. While Indonesia has huge market potential for FinTech, current and potential players have to be aware of the fundamental problems that have been hindering the growth of the sector. There are a number of roadblocks that FinTech players should take into consideration; they revolve around the lack of financial literacy and inclusion. FinTech innovations are enabling access to financial services through mobile devices for many unbanked in the world. Though FinTech innovations are touted as game changers in deepening financial inclusion, their wide acceptance and use still remain limited. Provided a strong financial literacy among the population, Indonesia will be able to achieve full financial inclusion, which can be accelerated with the adoption of FinTech. Financial inclusion is a key factor of social inclusion, particularly effective in combating poverty and income inequality by unlocking blocked advancement opportunities. FinTech is seen as a key enabler of financial inclusion; and mobile financial services, as the type of FinTech with the greatest potential to bring the unbanked into the formal financial system. The FinTech sector needs to prioritize financial literation for all populations of Indonesia to encourage growth in numerous sectors. Supartoyo (2017) on her paper said the financial sector can affect regional economic growth and play an important role to the economic growth of a region. Further implementation of FinTech into society needs to be as accessible as possible.
Education in Digital Era as A Key Sector in Developing Social and Economic Progress Supartoyo, Yesi Hendriani
Proceedings International Conference on Education Innovation and Social Science 2023: Proceedings International Conference on Education Innovation and Social Science
Publisher : Universitas Muhammadiyah Surakarta

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Abstract

The EV-DCI 2022 survey pointed out that the underlying problem in Indonesia is the lack of digital competence development in the curriculum. The education sector is an important sector in growing the economic development of Indonesia, including the digital economy across key sectors. Indonesia needs to upskill its digital talent to support the development of Indonesia’s digital economy. Several actions can be taken to keep up the momentum of the digital transformation in the education industry—namely, utilizing massive open online courses (MOOC), and encouraging collaboration and integration between stakeholders. Global Innovation Index 2021 rankings of Indonesia in 87th rank. This number drop 2 points from 85th Global Innovation Index 2020 rank. Indicators of Human capital and research aspect are education in rank of 106th, tertiary education in rank of 93th, and research and development (R&D) on 57th rank (WIPO, 2021). In a digital era, education is being transformed by the new digital environment.
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