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INDONESIA
Moneta : Journal of Economics and Finance
Published by PT Penerbit Ilmiah Indonesia
ISSN : -     EISSN : 30308666     DOI : https://doi.org/10.61978/moneta
Core Subject : Economy,
Economics, Econometrics & Finance
Moneta : Journal of Economics and Finance with ISSN Number 3030-8666 (Online) published by Indonesian Scientific Publication, published original scholarly papers across the whole spectrum of economics and finance. The journal attempts to assist in the understanding of the present and potential ability of accounting to aid in the recording and interpretation of international economic transactions and taxation practices.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 5 Documents
 1 
Search results for , issue "Vol. 2 No. 1 (2024): January 2024" : 5 Documents clear
Analysis Of The Use Of Digital Technology In Insurance Premium Management Lutfiah Nur, Dara; Nasution, Muhammad Irwan Padli
Moneta : Journal of Economics and Finance Vol. 2 No. 1 (2024): January 2024
Publisher : Indonesian Scientific Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61978/moneta.v2i1.118

Abstract

An insurance claim is a claim from the insured party based on a contractual agreement with the insurance company which guarantees payment of compensation as long as the insured party pays the premium. In other words, submitting an insurance claim is an official request from the insurer to request payment as regulated by the terms of the insurance policy. Currently, the use of insurance is increasingly popular with the public, almost all risks can be covered by insurance, and insurance has become an important factor for society. Indonesia, Community and Company trust. Therefore, increasing the efficiency of insurance companies must support public confidence in insurance. Civil Code, and National Law 2 of 1992 concerning Insurance Services, according to Law no. 40 of 2014 concerning insurance services, providing legal protection for policy holders. Law 8 of 1999 concerning Consumer Protection explains the authority, duties and prohibited actions of insurance companies as business actors as well as resolving insurance disputes and claims. Although the relationship between policy holders and insurance companies falls under civil law, the consumer protection law provides criminal sanctions for parties who violate the Consumer Protection Law, including insurance companies.
The Ethics of Persuasion: Cognitive Bias and Platform Design in Emerging E Commerce Markets Muharam, Husni
Moneta : Journal of Economics and Finance Vol. 2 No. 1 (2024): January 2024
Publisher : Indonesian Scientific Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61978/moneta.v2i1.820

Abstract

This study investigates the psychological dynamics influencing consumer behavior within Indonesia’s digital commerce ecosystem, emphasizing how anchoring, social proof, impulsivity, and status quo bias shape online purchasing decisions. As mobile first commerce and fintech adoption accelerate across Southeast Asia, consumers increasingly rely on cognitive shortcuts, leading to predictable and sometimes suboptimal buying behaviors. The research aims to localize these behavioral tendencies by examining their cultural, technological, and demographic triggers. A mixed-methods approach was employed, combining experimental surveys, literature synthesis, and platform-based observational data to examine how pricing cues, interface design, social validation, and fintech adoption interact with cognitive biases in shaping decisions. The findings show that anchoring is amplified by mobile-first interfaces and urgency-driven promotions, especially among younger and lower-income users; social proof exerts strong influence in collectivist cultures; impulsivity is intensified by fintech tools facilitating immediate gratification; and status quo bias reinforces habitual platform dependence. Collectively, these dynamics distort price perception, reduce market efficiency, and promote habitual rather than evaluative purchasing. This study contributes by offering a localized behavioral framework for Southeast Asia’s e-commerce markets and providing actionable implications for ethical platform design, evidence-based regulatory frameworks, and targeted consumer education. Transparency in promotional logic, educational nudges, and friction points are suggested as strategies to mitigate cognitive distortions while fostering consumer-centered growth.
Financial Inclusion and Rural Economic Resilience: Evidence from Indonesia’s Digital Payment Expansion Setiawati, Ira
Moneta : Journal of Economics and Finance Vol. 2 No. 1 (2024): January 2024
Publisher : Indonesian Scientific Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61978/moneta.v2i1.821

Abstract

This study addresses the research gap on how digital financial inclusion, particularly through digital payment systems, shapes rural economic development in Indonesia. Despite rapid national growth of digital transactions, rural adoption lags significantly behind urban areas. The study aims to examine the extent to which digital payments influence rural GDP growth, household consumption, and economic resilience, especially in the post–COVID-19 period. The methodology employed a panel data regression framework with fixed effects and structural break analysis across 33 Indonesian provinces, supported by secondary data from national digital transaction trends, rural digital infrastructure, and post pandemic economic indicators. Supplementary qualitative insights were drawn from international case comparisons. The results show a strong positive correlation between digital payment adoption and regional GDP growth, particularly post 2020 reforms. Rural areas with improved digital infrastructure experienced enhanced financial participation, better household spending behavior, and increased micro enterprise productivity. However, persistent challenges such as limited digital literacy, infrastructural gaps, and regional inequalities hamper the full realization of digital financial benefits. The discussion situates these findings within global best practices (Kenya’s M-Pesa, India’s Digital India), showing that inclusive digital ecosystems require infrastructure, literacy, and regulatory coherence. The study advances the field by demonstrating how digital payment adoption can serve as a catalyst for rural resilience and inclusive development in emerging economies. In conclusion, digital financial inclusion represents a key lever for rural transformation in Indonesia. The integration of accessible, trusted, and scalable digital payment solutions into everyday economic life can promote inclusive growth and mitigate regional disparities.
Addressing Global Inequality through Modern Macroeconomic Approaches Paulina; Adiawaty, Susi
Moneta : Journal of Economics and Finance Vol. 2 No. 1 (2024): January 2024
Publisher : Indonesian Scientific Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61978/moneta.v2i1.883

Abstract

This narrative review examines the theoretical and empirical developments in macroeconomic thought, focusing on the limitations of conventional models and the emergence of more inclusive and adaptive approaches. The study aims to explore how contemporary macroeconomic theory can better address global inequality, economic volatility, and institutional transformation. Using a structured literature search across Scopus, Google Scholar, and PubMed, the review employed specific keywords such as "macroeconomic theory," "Keynesianism," "policy implications," and "regulatory economics." Inclusion criteria prioritized peer-reviewed articles published within the last 15 years, focusing on diverse macroeconomic schools of thought and their real-world applications. Findings reveal the sustained relevance of Keynesian models, especially during economic crises such as the COVID-19 pandemic, where fiscal interventions played a pivotal role. Criticism of Dynamic Stochastic General Equilibrium (DSGE) models is validated by their inability to reflect social complexities and economic uncertainties. In contrast, agent-based modeling (ABM) offers a more nuanced understanding of economic dynamics. Furthermore, the role of institutional reform in shaping inclusive and sustainable macroeconomic policies is emphasized, particularly in the context of developing countries. The integration of economic, ecological, and ethical dimensions in the "beyond-GDP" framework signals a shift toward a more holistic economic paradigm. These insights underscore the need for continued innovation in macroeconomic modeling and policy design. By adopting interdisciplinary and context-sensitive approaches, policymakers and researchers can better address the structural and systemic challenges of the 21st century.
The Role of Governance and Technology in Shaping Equitable Fiscal Policy Pradono, Nuswantoro Setyadi
Moneta : Journal of Economics and Finance Vol. 2 No. 1 (2024): January 2024
Publisher : Indonesian Scientific Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61978/moneta.v2i1.890

Abstract

This review addresses the gap in fiscal sustainability studies by analyzing how governance and technology jointly shape equitable fiscal outcomes across regions. Unlike prior reviews that remain descriptive, this paper integrates findings into a conceptual lens that highlights digital inclusion and participatory governance as underexplored drivers of fiscal resilience. By synthesizing evidence from diverse contexts, the study provides a novel perspective on bridging institutional and technological divides in fiscal systems. These measures are essential to achieving sustainable fiscal outcomes and reducing disparities in access and service delivery across global contexts.

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