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Dedi Purwanto Indra Kusuma
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INDONESIA
Jurnal Ekonomi, Manajemen, dan Bisnis
Published by Lembaga Penelitian dan Pendidikan (LPP) Kalibra
ISSN : -     EISSN : 30317150     DOI : https://doi.org/10.70716/emis
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Ekonomi, Manajemen dan Bisnis is a double-blind peer-reviewed journal published by Lembaga Penelitian dan Pendidikan (LPP) Kalibra. It provides a platform for scholars, researchers, and practitioners to discuss issues in economics, management, and business. The journal publishes original research, literature reviews, and systematic literature reviews, aiming to contribute to the advancement of knowledge and practice in these fields.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 35 Documents
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Digital Financial Inclusion and MSME Resilience in Post-Pandemic Indonesia: An Empirical Analysis of Fintech Adoption and Business Sustainability Pratama, Rafiq Aditya; Azzahra, Salsabila Nur
Jurnal Ekonomi, Manajemen, dan Bisnis Vol. 4 No. 1 (2026): Jurnal Ekonomi, Manajemen dan Bisnis
Publisher : Lembaga Penelitian dan Pendidikan (LPP) Kalibra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70716/emis.v4i1.460

Abstract

This study analyzes the relationship between digital financial inclusion, fintech adoption, MSME resilience, and business sustainability in post-pandemic Indonesia. Micro, Small, and Medium Enterprises play a central role in Indonesia’s economic structure, yet they experienced significant financial vulnerability during the COVID-19 crisis. The research applies a quantitative explanatory design using a cross-sectional survey of 312 MSME owners across manufacturing, trade, and service sectors. Data were analyzed using Partial Least Squares Structural Equation Modeling to examine direct and mediated relationships among variables. The findings indicate that fintech adoption significantly strengthens digital financial inclusion. MSMEs that actively use digital payments, mobile banking, and peer-to-peer lending demonstrate broader access to formal financial services. Digital financial inclusion significantly enhances MSME resilience by improving liquidity stability, adaptive capacity, and revenue recovery speed. Resilience, in turn, strongly influences long-term business sustainability. Mediation analysis confirms that digital financial inclusion partially mediates the relationship between fintech adoption and resilience. This result suggests that fintech usage alone is insufficient to generate sustainable outcomes unless it translates into meaningful financial participation. The study concludes that strengthening digital financial inclusion is critical for reinforcing MSME resilience and sustainability in Indonesia’s post-pandemic economy. Policy strategies should prioritize digital infrastructure expansion, financial literacy development, and supportive regulatory frameworks to maximize fintech benefits for MSMEs.
The Impact of QRIS Adoption on Revenue Growth and Cost Efficiency of Micro and Small Enterprises in Yogyakarta: Evidence from a Panel Data Analysis Ramadhan, Muhammad Fadhil; Salsabila, Dewi Kartika
Jurnal Ekonomi, Manajemen, dan Bisnis Vol. 4 No. 1 (2026): Jurnal Ekonomi, Manajemen dan Bisnis
Publisher : Lembaga Penelitian dan Pendidikan (LPP) Kalibra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70716/emis.v4i1.461

Abstract

This study investigates the impact of QRIS adoption on revenue growth and cost efficiency of micro and small enterprises in Yogyakarta using a panel data approach. Micro and small enterprises play a critical role in regional economic development, yet many still rely on conventional cash transactions. The introduction of QRIS as a standardized digital payment system aims to enhance transaction efficiency and financial inclusion. However, empirical evidence on its measurable economic impact at the firm level remains limited. This research employs a quantitative design using balanced panel data from 162 micro and small enterprises observed over a three year period from 2022 to 2024. The study applies Fixed Effects regression and Difference in Differences estimation to identify the causal impact of QRIS adoption on annual revenue growth and operational cost efficiency. Revenue growth is measured as the percentage increase in annual sales, while cost efficiency is proxied by the ratio of operational costs to revenue. The results indicate that QRIS adoption significantly increases annual revenue growth by approximately 6 to 7 percentage points. In addition, QRIS adoption significantly reduces operational cost ratios by about 5 percentage points, reflecting improved cost efficiency. The findings remain robust after controlling for firm age, firm size, and digital literacy. Digital literacy further strengthens performance outcomes, indicating that technological capability enhances the benefits of adoption. The study concludes that QRIS adoption contributes positively to financial performance and operational efficiency of micro and small enterprises in Yogyakarta. Digital payment integration functions not only as a transaction tool but also as a strategic instrument that supports productivity, competitiveness, and sustainable business growth.
Penetrasi Bank Digital dan Inklusi Keuangan Rumah Tangga Perdesaan di Nusa Tenggara Barat: Pendekatan Structural Equation Modeling Mahadewi, Ni Luh Ayu Puspita; Syahputra, Muhammad Rafiq Fathurrahman
Jurnal Ekonomi, Manajemen, dan Bisnis Vol. 4 No. 1 (2026): Jurnal Ekonomi, Manajemen dan Bisnis
Publisher : Lembaga Penelitian dan Pendidikan (LPP) Kalibra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70716/emis.v4i1.462

Abstract

This study examines the impact of digital banking penetration on rural household financial inclusion in West Nusa Tenggara using a Partial Least Squares Structural Equation Modeling approach. The research is motivated by limited access to formal financial services in rural areas and the rapid expansion of digital banking services over the past decade. The proposed model investigates the relationships among digital infrastructure, digital literacy, trust, digital banking penetration, and financial inclusion. Data were collected from 352 rural households selected through multistage random sampling. The analysis involved measurement and structural model assessments to ensure validity, reliability, and the significance of relationships among constructs. The findings reveal that digital banking penetration has a positive and significant effect on rural household financial inclusion. Digital infrastructure and digital literacy significantly enhance digital banking penetration, while trust strengthens the adoption and sustained use of digital financial services. The R square value of 0.63 indicates strong explanatory power of the model in explaining variations in financial inclusion. Mediation analysis confirms that digital literacy mediates the relationship between digital banking penetration and financial inclusion. The study concludes that improving rural financial inclusion requires more than expanding digital banking services. It demands adequate digital infrastructure, strong digital literacy, and high levels of trust in digital financial systems. Policy implications highlight the need for integrated strategies that combine infrastructure development, digital literacy programs, and consumer protection frameworks to foster sustainable financial inclusion in rural areas.
The Impact of Nickel Downstreaming Policy on the Transformation of the Economic Structure of Konawe Regency, Southeast Sulawesi Wicaksana, Muhammad Arsyad; Putri, Nur Intan Permatasari
Jurnal Ekonomi, Manajemen, dan Bisnis Vol. 4 No. 1 (2026): Jurnal Ekonomi, Manajemen dan Bisnis
Publisher : Lembaga Penelitian dan Pendidikan (LPP) Kalibra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70716/emis.v4i1.463

Abstract

This study analyzes the impact of the nickel downstream policy on economic structural transformation in Konawe Regency, Southeast Sulawesi. The policy, strengthened through the 2020 export ban on raw nickel ore and the acceleration of domestic smelter development, aims to increase value added, promote industrial upgrading, and stimulate regional economic growth. This research evaluates whether the policy has significantly altered the sectoral composition, employment structure, and competitiveness of the regional economy. The study applies a quantitative approach using secondary data from 2014 to 2023. Analytical tools include Location Quotient to identify sectoral specialization, Shift-Share analysis to measure regional competitiveness, and Interrupted Time Series regression to detect structural breaks after policy implementation. The analysis also examines labor reallocation patterns and investment trends to assess the depth and inclusiveness of transformation. The findings reveal a substantial structural shift from primary-sector dominance toward manufacturing-based activity. The contribution of the secondary sector increased significantly after 2020, driven by the rapid expansion of nickel processing industries. Location Quotient results confirm that manufacturing emerged as a leading and specialized sector. Shift-Share decomposition indicates a strong positive regional competitive effect, suggesting that local industrial growth exceeded national trends. Interrupted Time Series analysis identifies a statistically significant structural break following policy enforcement, confirming that the downstream policy accelerated the growth trajectory of the manufacturing sector. Despite these gains, the transformation remains capital intensive and concentrated in nickel processing. Employment absorption in manufacturing increased but did not match the pace of output expansion. Industrial diversification beyond nickel processing remains limited. The study concludes that the nickel downstream policy has successfully initiated economic structural transformation in Konawe Regency. However, sustainable and inclusive development requires broader industrial diversification, stronger human capital development, technological upgrading, and effective environmental governance.
Efektivitas Alokasi Dana Desa terhadap Pertumbuhan Ekonomi Lokal di Kabupaten Lombok Utara Tahun 2017–2023 Samudranta, Arya; Adiwikrama, Zhafran
Jurnal Ekonomi, Manajemen, dan Bisnis Vol. 4 No. 1 (2026): Jurnal Ekonomi, Manajemen dan Bisnis
Publisher : Lembaga Penelitian dan Pendidikan (LPP) Kalibra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70716/emis.v4i1.464

Abstract

This study examines the effectiveness of Village Fund allocation on local economic growth in North Lombok Regency during the 2017–2023 period. The research is motivated by the strategic role of village fiscal policy in promoting regional economic development, particularly in areas with economic structures dominated by agriculture and community based tourism. The study draws on regional economic growth theory and endogenous growth theory, which emphasize the role of public investment and human capital in increasing regional output. This research employs a quantitative explanatory design. The data consist of panel data covering all villages in North Lombok Regency over a seven year period. The dependent variable is local economic growth, proxied by real regional GDP growth and village per capita income growth. The main independent variable is Village Fund allocation. Control variables include population size, education level, poverty rate, and village capital expenditure. Panel data regression with a fixed effect approach is applied based on the results of the Chow test and Hausman test. The findings indicate that Village Fund allocation has a positive and statistically significant effect on local economic growth at the 5 percent significance level. Increased Village Fund allocation stimulates growth through infrastructure spending and productive village programs. Education level and village capital expenditure also show positive and significant effects, while the poverty rate has a negative impact on economic growth. The coefficient of determination suggests that the model explains a substantial proportion of the variation in village economic growth. The study concludes that Village Fund allocation is effective in promoting local economic growth in North Lombok Regency. However, its effectiveness depends on the quality of budget management and the composition of village spending. Policy optimization should prioritize productive activities and human capital development to ensure more sustainable and inclusive economic growth.

Page 4 of 4 | Total Record : 35

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