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Peningkatan Literasi Kemiskinan Energi dan Efisiensi Pengeluaran Rumah Tangga Miskin: Pengabdian di Desa Alue Waki Kecamatan Darul Makmur Kabupaten Nagan Raya Sailal Arimi; Harmaini Harmaini; Yasrizal Yasrizal; Mahrizal Mahrizal; Said Mahdani; Sudarman Sudarman; Zuhrizal Fadhly
Indonesia Berdampak: Jurnal Pengabdian kepada Masyarakat Vol. 1 No. 2 (2025): JULI-DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/b4jh6353

Abstract

The phenomenon of rural poverty in Indonesia has a strong correlation with limited human capital capacity. The energy literacy deficit that arises from low educational background exacerbates economic vulnerability through inflated household energy consumption costs. This community service aims to increase the capacity of poor households in Alue Waki Village, Darul Makmur District, by strengthening energy poverty literacy based on P3KE (Purpose of Accelerating the Elimination of Extreme Poverty) microdata. The implementation method uses a participatory educational approach that includes counseling on energy-saving habits and technical demonstrations of energy expenditure efficiency to 35 poor household heads. Evaluation of the impact of this service is measured using pre-test and post-test instruments to see changes in knowledge and behavioral intentions. The results of the activity show an accumulative increase in community capacity of 73.1%, with a surge in self-confidence in adopting modern energy technology reaching 97.1%. Economically, this increase in literacy results in potential energy cost savings (projected) of 13.2%, or a decrease from an average of Rp193,500 to an estimated Rp168,000 per month if efficient behavior patterns are consistently implemented. This figure reflects the fiscal space available for poor households to allocate for children's nutrition and education needs. This community service concludes that human capital intervention through energy literacy education is a rational strategy for fostering economic independence for target households.      
Penguatan Tata Kelola Penanggulangan Kemiskinan melalui Pendampingan Penyusunan Dokumen RPKD di Kabupaten Nagan Raya Sailal Arimi; Syarifah Rahmiza Muzana; Yasrizal Yasrizal; Mahrizal Mahrizal; Harmaini Harmaini; Hartini Hartini; Muzakkir Muzakkir; Said Mahdani
Aksi Kita: Jurnal Pengabdian kepada Masyarakat Vol. 2 No. 3 (2026): MEI-JUNI
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/j8tc8e70

Abstract

Kemiskinan masih menjadi salah satu tantangan pembangunan di Kabupaten Nagan Raya, yang di-tunjukkan oleh tingkat kemiskinan masih berada di atas rata-rata Provinsi Aceh dan nasional. Kondi-si ini memerlukan upaya penguatan tata kelola penanggulangan kemiskinan melalui perencanaan yang terarah, terintegrasi, dan berbasis data. Kegiatan pengabdian ini bertujuan mendampingi Pemerintah Kabupaten Nagan Raya dalam penyusunan Rencana Penanggulangan Kemiskinan Dae-rah (RPKD) Tahun 2025–2029 sebagai instrumen perencanaan penanggulangan kemiskinan daerah. Metode pelaksanaan kegiatan menggunakan pendekatan pendampingan partisipatif yang meliputi identifikasi permasalahan dan analisis situasi, Focus Group Discussion (FGD) dan konsultasi pemangku kepentingan, pendampingan penyusunan dokumen, serta validasi dan finalisasi dokumen. Hasil kegiatan menunjukkan bahwa proses pendampingan berhasil menghasilkan Dokumen RPKD Kabupaten Nagan Raya Tahun 2025–2029 yang memuat profil kemiskinan daerah, isu strategis, tujuan dan sasaran, strategi, serta program prioritas penanggulangan kemiskinan. Selain menghasilkan dokumen perencanaan, kegiatan ini juga memperkuat koordinasi antar perangkat dae-rah, pemanfaatan data dalam proses perencanaan, dan sinergi lintas sektor. Dengan demikian, kegiatan ini tidak hanya menghasilkan dokumen perencanaan daerah, tetapi juga berkontribusi pada penguatan tata kelola penanggulangan kemiskinan melalui peningkatan koordinasi antarperangkat daerah, pemanfaatan data dalam proses perencanaan, dan penguatan sinergi lintas sektor di Kabupat-en Nagan Raya
Driving Aceh’s Economic Growth through Digital Finance and MSME Credit: Empirical Evidence Yasrizal Yasrizal; Mahrizal; Said Mahdani; Sailal Arimi; Sri Rosmiati Sani
Journal of Economics, Entrepreneurship, Management Business and Accounting Vol 4 No 4 (2026): Volume 4, Issue 4, July 2026
Publisher : CV. Sakura Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61255/jeemba.v4i4.1075

Abstract

Purpose: This study examines district/city-level economic growth in Aceh Province by analyzing the roles of financial inclusion, MSME credit, payment digitalization, inflation, and unemployment. It highlights that regional growth is increasingly shaped by the productive use of financial services and digital payment systems, not merely by financial access. Design/methodology/approach: This study employs a quantitative approach using balanced panel data from 23 districts/cities in Aceh Province during 2020–2025, yielding 138 observations. The analysis applies a Fixed Effects Model and uses Driscoll-Kraay robust standard errors to correct for heteroskedasticity, serial autocorrelation, and cross-sectional dependence. The 2025 observations are treated as projected data estimated using linear trend extrapolation based on the latest available official data. The projected variables include economic growth, financial inclusion, payment digitalization, MSME credit, inflation, and unemployment. Findings: The findings indicate that payment digitalization shows the strongest positive association with district/city-level economic growth in Aceh Province. MSME credit is also positively associated with regional growth, while unemployment shows a negative association. Inflation is positively associated with growth during the study period, possibly reflecting demand-driven economic activity. Financial inclusion shows a negative and statistically significant coefficient, suggesting that financial access has not yet been effectively transformed into productive financial use. Originality/value: This study contributes to the regional finance-growth literature by showing that payment digitalization is a stronger driver of district/city-level economic growth than general financial inclusion. The findings emphasize that financial access alone is insufficient unless it is transformed into productive-use inclusion through digital payments, MSME financing, and employment-oriented policies.
Sinergi Inklusi dan Literasi Keuangan dalam Memacu Pertumbuhan Ekonomi Indonesia: Analisis Empiris Menggunakan Pendekatan Autoregressive Distributed Lag (ARDL) Yasrizal Yasrizal; Sailal Arimi; Aglis Andhita Hatmawan
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 1 No. 4 (2025): OKTOBER-DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/hjqw9z87

Abstract

This study analyzes the dynamics of the relationship between financial inclusion, financial literacy, and Indonesia's economic growth during the 2013–2025 period. With the Indonesia Emas 2045 agenda as context, the study highlights structural issues in the form of the gap between expanding access to financial services (inclusion) and public understanding (literacy). Using a quantitative approach through the Autoregressive Distributed Lag (ARDL) model, the study tests for the existence of long-term cointegration while estimating short-term adjustment mechanisms through error correction. Stationarity tests indicate a combination of degrees of integration I(0) and I(1), making the selection of ARDL (1, 0, 0) relevant. The main results confirm the existence of a cointegration relationship: financial inclusion has a positive and significant impact on GDP in the long run with a coefficient of 0.15, while financial literacy contributes positively, primarily through strengthening more stable consumption behavior. The Error Correction Term (ECT) coefficient of -0.68 indicates a relatively rapid recovery process, with approximately 68% of the deviation from the long-run equilibrium corrected within one year. The research's contribution lies in utilizing the latest post-pandemic data and evaluating the implications of the National Strategy for Financial Inclusion (SNKI). Policy recommendations emphasize a shift from solely focusing on infrastructure expansion to strengthening the capabilities of financial service users, in order to mitigate the risks of predatory inclusion and ensure higher-quality and sustainable growth.