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All Journal Signifikan : Jurnal Ilmu Ekonomi
Puspita, Maylawati Arum
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Economics, Econometrics & Finance

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Digital Financial Instruments, Financial Inclusion, and Regional Economic Performance in Indonesia Puspita, Maylawati Arum; Oktavilia, Shanty
Signifikan: Jurnal Ilmu Ekonomi Vol. 15 No. 1 (2026)
Publisher : Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v15i1.50225

Abstract

Research Originality: This study examines the joint effects of digital financial instruments and financial inclusion indicators on regional economic performance during the post-pandemic period of accelerated digital transformation. Research Objectives: The study aims to analyze the impact of electronic money transactions, third-party funds of Rural Banks (BPR), credit card transactions, and household internet access on Gross Regional Domestic Product (GRDP) per capita. Research Methods: Using panel data from 38 provinces over the 2020–2024 period, this study employs panel regression analysis. Based on the Chow and Hausman tests, the Fixed Effects Model (FEM) is selected as the most appropriate estimator. Empirical Results: The findings indicate that electronic money transactions, credit card transactions, and household internet access have a positive effect on GRDP per capita. In contrast, third-party funds of Rural Banks do not demonstrate a significant relationship with regional economic performance. Implications: The results underscore the importance of strengthening digital financial ecosystems and expanding digital infrastructure to foster inclusive and sustainable regional economic growth in emerging economies. JEL Classification: O16, O33, R11, G21
Co-Authors Shanty Oktavilia