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Ririn Nopiah

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Muhammad Hasbi Zaenal

UIN Syarif Hidayatullah Jakarta

Syarif Hidayatullah State Islamic University, Jakarta

National University of Singapore

Universitas Islam Negeri Maliki Malang

Sentot E Baskoro

STIE GICI

Mataram University

Neneng Ela Fauziyyah

UIN Sunan Kalijaga Yogyakarta

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Papers by Ririn Nopiah

Financial Technology and Poverty Alleviation in Indonesia During the COVID-19 : Impact Evaluation Analysis

Ekombis Review, Jan 5, 2024

The COVID-19 pandemic has brought significant changes, especially to each country's economic and ... more The COVID-19 pandemic has brought significant changes, especially to each country's economic and financial sectors. Economic growth in Indonesia experienced a contraction entering mid-2021. This also impacted limiting economic activity, decreasing household consumption, unemployment risk, and increased poverty. In addition, there are changes in people's behavior, such as digital financing systems, non-cash payment systems, and online buying and selling transaction systems. Efforts to improve the economy are encouraged by stimulating people's economic productivity through adaptation to digital technology developments, especially using digital finance. However, the development of digital finance needs to be supported by public financial literacy and inclusion so that it can positively alleviate poverty. This study aims to analyze the impact of financial technology lending on poverty in Indonesia during the COVID-19 pandemic using instrumental variable analysis (IV) for 2019-202. The results of the study show that fintech lending has a negative effect on the poverty rate. However, it is not significant when other variables are added. E-commerce and the use of credit cards have a negative and significant impact on the poverty rate in Indonesia. In maximizing the role of Fintech in Indonesia, support and cooperation from the government, financial institutions, and various relevant stakeholders are needed.

The Effect of Government Expenditure on Poverty in Indonesia

Advances in economics, business and management research, Dec 31, 2022

The objective of this research is to determine the effect of education function expenditure, soci... more The objective of this research is to determine the effect of education function expenditure, social protection function expenditure and health function expenditure on poverty in Indonesia. The data used in this research are secondary data sourced from the Ministry of Finance and the Central Bereau of Statistics. The analysis method used in this research is panel data regression. Based on the regression results, it is obtained that the fixed effect model as the best model to be used in analysis. Based on the results of the partial test, it was found that social protection function expenditure had a negative effect on poverty in Indonesia, while health function expenditure had a positive effect on poverty in Indonesia, while education function expenditure has no effect on poverty in Indonesia. Furthermore, when viewed simultaneously, education function expenditure, social protection functions expenditure and health function expenditure have a positive effect on poverty in Indonesia with an Adjusted Rsquared value of 0.9973 or 99.73 percent. These results show that 0.27 percent are influenced by variables outside the model. As a consideration for the Indonesian government to overcome poverty, it can be done by increasing social protection function expenditure, this is because social protection expenditure is significantly able to reduce poverty levels in Indonesia. While on education function expenditure and health function expenditure, to reduce poverty in Indonesia, expenditure is not only focused on mandatory spending, but the government should be able to allocate budget for programs that are right on target and can increase human resource productivity.

Financial Technology (Peer-to-Peer Lending): Efficiency and Effect on Economic Growth in Indonesia

Advances in economics, business and management research, Dec 31, 2022

The transformation of the digitalization era has experienced rapid growth, especially in the fina... more The transformation of the digitalization era has experienced rapid growth, especially in the financial services industry, since the emergence of the Covid-19 pandemic in Indonesia. The advances have created Financial Technology (FinTech) through a digital system known as Peer-to-Peer (P2P) Lending, which is in great demand by the public. However, the magnitude of risk management has an efficiency level that needs to be analyzed, and the multiplier effect of promoting economic growth should also be investigated. This study aims to analyze the efficiency level of FinTech P2P lending and the effect on regional economic growth from 2019 to 2022. The results show that P2P lending will be relatively efficient in 2021-2022. The panel data regression indicates that lending positively and significantly affects economic growth. It is expected to be an efficient and accountable online financing service with a multiplier effect on economic growth.

Sharia Financial Literacy Analysis : Case Study of Traditional Market in Yogyakarta

JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi), May 31, 2023

As population growth and financial market developments increase, understanding financial literacy... more As population growth and financial market developments increase, understanding financial literacy becomes important in order to create a quality society on ability to plan and manage their finances well. This research aims to determine the Sharia financial literacy level on traditional market traders in Yogyakarta. This research aims to determine the level of Sharia financial literacy on traditional market traders in Yogyakarta. This research used primary data consisting of 22 traditional markets in Yogyakarta out of 100 respondents. The method used in this research is Chi-Square analysis and processed by SPSS 20.0 for the Windows program. There are four independent variables that were used such as gender, age, education and expenditure. Meanwhile, the dependent variable is Sharia financial literacy either in the knowledge or in the capability of the respondents. The results of the statistics test revealed that traditional market traders have a medium level of knowledge and capability in Sharia financial literacy. The variables of age, education and expenditure show that there are differences in the level of Sharia financial literacy. Meanwhile, the variable of gender showed there is no difference at this level among traditional market traders in the City of Yogyakarta.

Upaya Penguatan Ekonomi Penyandang Disabilitas Melalui Literasi Keuangan Mikro Inklusif di Bengkulu

Bubungan Tinggi, May 30, 2023

Penyandang disabilitas di Indonesia seringkali mengalami hambatan mobilitas dan aksesibilitas. Sa... more Penyandang disabilitas di Indonesia seringkali mengalami hambatan mobilitas dan aksesibilitas. Salah satu bentuk hambatan aksesibilitas kelompok tersebut yaitu akses permodalan (keuangan) guna meningkatkan taraf ekonomi melalui kegiatan wirausaha mandiri. Terbentuknya koperasi merupakan salah satu upaya solutif dalam penyediaan jasa akses keuangan pada kelompok penyandang disabilitas Kota Bengkulu. Hal ini disebabkan kesadaran internal kelompok penyandang disabilitas yang masih minim terhadap koperasi dan pengetahuan serta keterampilan tata kelola koperasi. Salah satu cara yang dilakukan yaitu pemberian edukasi tentang koperasi yang sesuai dan tepat untuk penyandang disabilitas. Kegiatan dilaksanakan Juni 2022 dengan metode penyuluhan melalui sosialisasi dan diskusi interaktif dalam memahami materi yang disampaikan dan diterapkan dalam kegiatan koperasi difabel Kota Bengkulu. Tujuan kegiatan ini yaitu memberikan pengetahuan dan penguatan keahlian dalam mengelola koperasi difabel Kota Bengkulu. Hasil kegiatan ini menunjukkan bahwa peserta dan pengurus koperasi mendapat peningkatan pengetahuan tata kelola koperasi yang sesuai dan tepat untuk diterapkan kepada anggota penyandang disabilitas Kota Bengkulu.

Determinants of Labor Participation and Wages toward People with Disabilities in Indonesia

Indonesian Journal of Disability Studies, Nov 27, 2023

Reductions in the supply of labor and wages occur to people with disabilities. Disability conditi... more Reductions in the supply of labor and wages occur to people with disabilities. Disability conditions cause a decline in productivity so that the probability of being a labor is small, risk of unemployment and loss of income. The high prevalence of disabilities in Indonesia causes inequality of labor participation and wages for disabilities in Indonesia based on the type of disabilities. The data used is Indonesia Family Life Survey (IFLS) waves 4 and 5 by pooled cross-section. The analysis methods are logit and tobit models. The results showed that communicative disabilities have a higher chance of labor participation and wages. Factors of the degree of severity, age, male, head of household, education, urban, chronic disease, ownership of insurance, and ownership of assets also affect labor participation and wages for disabilities. The labor activation program for disabilities is a succession and initiative as welfare reform, poverty alleviation and an indicator of inclusive development.

Child Morbidity in Eastern Indonesia: Does Education and Smoking Behavior of Parents Influence it?

Jurnal Ilmu Kesehatan Masyarakat: The Indonesian Journal of Public Health, Sep 19, 2023

Child health is important, as it contributes to the child's future. Indonesia was ranked second a... more Child health is important, as it contributes to the child's future. Indonesia was ranked second after India as a country with the highest tuberculosis (TB) cases. Welleducated parents must care for their children and maintain their health. At the same time, provinces in Eastern Indonesia have the lowest percentage of non-smoking areas (KTR) implementation. In this study, we analyzed the level of morbidity that focuses on respiratory disease, namely coughing and breathlessness in children. In addition, this study also analyzed the education and parents' smoking behavior focused in Eastern Indonesia. The study analyzes child morbidity according to several affecting factors. Data used were cross-section data collected from secondary data from Indonesia Family Life Survey East (IFLS-East) in 2012. By applying the logistic regression analysis by logit and probit analysis, we figured out that parents' education, children's age, health service availability, and domicile area significantly influenced child morbidity. Fathers' education played a crucial role, as the higher their education, the lower their children's morbidity. Besides, we also found out that parents' smoking habits, child immunization status, sex, and health insurance ownership did not significantly influence child morbidity. Fulfillment of educational aspects is required to the maximum until reaching adulthood, especially for unmarried individuals. Apart from that, parents of smokers and non-smokers need to be educated effectively on the dangers of smoking in order to create a healthy environment and the importance of tobacco or cigarette control policies in the Eastern part of Indonesia.

Partisipasi Kerja Wanita dan Kesejahteraan Rumah Tangga: Studi Empiris di Pulau Sumatera

Kawistara : Jurnal Ilmiah Sosial dan Humaniora/Kawistara, May 13, 2024

Pengolahan Kelapa Menjadi Minyak Vigin Coconut Oil (VCO) Sebagai Upaya Peningkatan Pendapatan Ekonomi Masyarakat Desa Sri Kuncoro Bengkulu Tengah

Kreativasi : Journal of Community Empowerment

The aim of community service activities in Sri Kuncoro Village is to socialize the benefits of co... more The aim of community service activities in Sri Kuncoro Village is to socialize the benefits of coconut trees to the local community. Apart from that, to develop a sense of love for the environment through the use of local coconut trees around people's homes and to introduce ways to process coconuts in a more innovative way that has high added value, namely into VCO oil (Virgin Coconut Oil). The process of making coconuts into "Pure VCO (Virgin Coconut Oil)" is a very strategic "step" in accelerating the achievement of advanced, balanced and sustainable regional development (in Sri Kuncoro Village).

Pendidikan Desa Berkualitas : Revitalisasi Taman Baca Desa Jambu Bengkulu Mencapai Sustainable Development Goals

INFO ARTIKEL Sustainable Village Development / SDG's Village is a big program for Indonesia. One ... more INFO ARTIKEL Sustainable Village Development / SDG's Village is a big program for Indonesia. One of SDG's Village programs is quality village education. Desa Jambu in Bengkulu City is one of the villages that has a high opportunity to become a role model for SDG's Village achievements with the existence of a Taman Baca Desa system, but the implementation of Desa Jambu Taman Baca program has not been carried out optimally by the Village so that the purpose of this community empowerment activity is to revitalize the Taman Baca Desa to achieve sustainable Development Goal's. The Empowerment Activities carried out in the form of counseling and socialization of the importance of managing taman baca desa. The results of this activity show that there is interest, enthusiasm and awareness of the importance to manage taman baca desa by good and optimal management for mutual benefit.

Climate Change Mitigation Through Market-based instruments in Large Asian Emitters

MPRA Paper, Jan 4, 2019

Climate change is responsibility of the economic system like households, firms, and governments t... more Climate change is responsibility of the economic system like households, firms, and governments that produces Greenhouse Gases (GHG). This paper aims to analyze effectiveness and efficiency of climate change mitigation policies for Japan, China and India that are large Asian emitters through market-based instruments. GTAP-E model is used to analyze the impact of carbon tax policy using their global commitments to reduce carbon emissions. The result shows that carbon tax is best alternative choice for Japan, China, and India to reduce CO2 emissions as a climate change mitigation. The carbon tax provides that in a GDP increase of 0,44% in Japan. But in China and India find that reducing CO2 emission causes GDP is decline around 0,82% for China and 1,98 for India. Thus, all regions can get emission target by cost-effectively and each welfare loss can be compensated by carbon tax revenues. However, carbon tax is not one way fits to climate change mitigation.

Peran Pemberdayaan Ekonomi Digital Difa City Tour (Ojek Difa) Terhadap Kesejahteraan Penyandang Disabilitas Di Yogyakarta

Convergence, Jul 31, 2022

The digital economy has become an online platform for all social economic activities especially I... more The digital economy has become an online platform for all social economic activities especially Indoneisa. Platform online have become a necessity for every individual's life. The existence of the digital economy is a business opportunity as a digital tools to improve business performance and interact with consumers. In addition, the digital economy provides open access for everyone including for people with disabilities. Ojek Difa is one of the digital-based innovatiions pioneered by people with disabilities as inclusive-based online transportation services. Ojek Difa is expected to be able to improve the social and economic welfare of ppeople with disabilities. The method used in this research is descriptive qualitative by in-depth interview. The results of the study indicate that Ojek Difabel has a major influence on increasing the economic degree of the income of workers (with disabilities). The results showed an increase in

Pengaruh Asuransi Kesehatan Dan Ekonomi Terhadap Aksesabilitas Layanan Kesehatan Penyandang Disabilitas Di Indonesia

Convergence, Jul 19, 2022

Health insurance is one of social health guarantees programs provided to the society in accessing... more Health insurance is one of social health guarantees programs provided to the society in accessing health services in Indonesia. This program is implemented as a solution of equality problems on health services. This paper aims to analyze effect of health insurance ownership on accessibility health services to people with disabilities who included as vulnerable communities. This research have 1.288 respondents of people with disabilities from Indonesia Family Life Survey that analyzed by multinomial logit regression models. The results show that health insurance ownership of disabilities are not effective enough in accessibility of disabilities health services. To access health service, people with disabilities have main obstacle factor namely physical mobiltity services. Furthermore head of household, chronic disease, transportation costs, and years education variables have significant effect on preventive and curative health services to people with disabilities. Whereas sex and unemployed status significant effect on preventive health services.

Dampak Sosial-Ekonomi Koperasi Difabel dan Perwujudan Microfinance Access

Inklusi journal of disability studies, Oct 4, 2018

Microfinance is a financial institution that can be reached by various groups of people, such as ... more Microfinance is a financial institution that can be reached by various groups of people, such as disabled groups. Microfinance programs provide access to financial services to people with disabilities in the form of savings and credit. People with disabilities need financial services to improve their economic and social levels. However, in general, existing microfinance has not fully reached the disabled groups. This study aims to describe the implementation of activities and the role of the Self-Reliance Savings and Loans Cooperative (KSP BANK) for the disabled in Yogyakarta. The analysis used in the study is the analysis of Paired T-test with SPSS 16.0 analysis tools. This study shows that the level of social-economic of mermbers with disability has a positive and significant increase after the operation of KSP BANK Difabel for the members with disabilities.

Pendidikan Desa Berkualitas : Revitalisasi Taman Baca Desa Jambu Bengkulu Mencapai Sustainable Development Goals

Kreativasi : Journal of Community Empowerment

Sustainable Village Development / SDG's Village is a big program for Indonesia. One of SDG&#3... more Sustainable Village Development / SDG's Village is a big program for Indonesia. One of SDG's Village programs is quality village education. Desa Jambu in Bengkulu City is one of the villages that has a high opportunity to become a role model for SDG's Village achievements with the existence of a Taman Baca Desa system, but the implementation of Desa Jambu Taman Baca program has not been carried out optimally by the Village so that the purpose of this community empowerment activity is to revitalize the Taman Baca Desa to achieve sustainable Development Goal’s. The Empowerment Activities carried out in the form of counseling and socialization of the importance of managing taman baca desa. The results of this activity show that there is interest, enthusiasm and awareness of the importance to manage taman baca desa by good and optimal management for mutual benefit.

Peran Pemberdayaan Ekonomi Digital Difa City Tour (Ojek Difa) Terhadap Kesejahteraan Penyandang Disabilitas Di Yogyakarta

Convergence: The Journal of Economic Development

The digital economy has become an online platform for all social economic activities especially I... more The digital economy has become an online platform for all social economic activities especially Indoneisa. Platform online have become a necessity for every individual’s life. The existence of the digital economy is a business opportunity as a digital tools to improve business performance and interact with consumers. In addition, the digital economy provides open access for everyone including for people with disabilities. Ojek Difa is one of the digital-based innovatiions pioneered by people with disabilities as inclusive-based online transportation services. Ojek Difa is expected to be able to improve the social and economic welfare of ppeople with disabilities. The method used in this research is descriptive qualitative by in-depth interview. The results of the study indicate that Ojek Difabel has a major influence on increasing the economic degree of the income of workers (with disabilities). The results showed an increase in the percentage of 27.3% in income more than Rp. 1,000,...

Pengaruh Asuransi Kesehatan Dan Ekonomi Terhadap Aksesabilitas Layanan Kesehatan Penyandang Disabilitas Di Indonesia

Convergence: The Journal of Economic Development

Health insurance is one of social health guarantees programs provided to the society in accessing... more Health insurance is one of social health guarantees programs provided to the society in accessing health services in Indonesia. This program is implemented as a solution of equality problems on health services. This paper aims to analyze effect of health insurance ownership on accessibility health services to people with disabilities who included as vulnerable communities. This research have 1.288 respondents of people with disabilities from Indonesia Family Life Survey that analyzed by multinomial logit regression models. The results show that health insurance ownership of disabilities are not effective enough in accessibility of disabilities health services. To access health service, people with disabilities have main obstacle factor namely physical mobiltity services. Furthermore head of household, chronic disease, transportation costs, and years education variables have significant effect on preventive and curative health services to people with disabilities. Whereas sex and une...

Determinan Perilaku Kewirausahaan: Studi pada Rumah Tangga di Indonesia

Jurnal Kawistara

Menjalankan usaha sendiri bagi sebagian orang dapat menjadi kegiatan alternatif dari bekerja. Dal... more Menjalankan usaha sendiri bagi sebagian orang dapat menjadi kegiatan alternatif dari bekerja. Dalam keputusan seseorang untuk memiliki usaha, banyak faktor yang melatarbelakanginya baik dari faktor internal maupun eksternal. Dengan menggunakan data dari Indonesia Family Life Survey (IFLS) gelombang 5, penelitian ini melihat dua model usaha yaitu usaha pertanian dan non pertanian. Unit analisis penelitian ini adalah rumah tangga di Indonesia dengan banyak melibatkan variabel-variabel yang terkait dengan Kepala Rumah Tangga (KRT). Metodel yang digunakan adalah cross section dengan regresi logistik. Hasil temuan dari penelitian ini adalah status pernikahan, daerah tempat tinggal, jumlah anggota rumah tangga, akses internet dan status kepegawaian memengaruhi seseorang untuk membuka usaha pertanian maupun non pertanian. Selain itu, faktor genetik di mana hal ini melihat apakah ayahnya seorang wirausaha yang memiliki usaha sendiri atau tidak dan juga suku menjadi penentu usaha pertanian. ...

Dampak Sosial-Ekonomi Koperasi Difabel dan Perwujudan Microfinance Access

INKLUSI, 2018

Microfinance is a financial institution that can be reached by various groups of people, such as ... more Microfinance is a financial institution that can be reached by various groups of people, such as disabled groups. Microfinance programs provide access to financial services to people with disabilities in the form of savings and credit. People with disabilities need financial services to improve their economic and social levels. However, in general, existing microfinance has not fully reached the disabled groups. This study aims to describe the implementation of activities and the role of the Self-Reliance Savings and Loans Cooperative (KSP BANK) for the disabled in Yogyakarta. The analysis used in the study is the analysis of Paired T-test with SPSS 16.0 analysis tools. This study shows that the level of social-economic of mermbers with disability has a positive and significant increase after the operation of KSP BANK Difabel for the members with disabilities.[Keuangan mikro merupakan lembaga keuangan yang dapat dijangkau oleh berbagai kelompok masyarakat, seperti kelompok difabel. ...

Climate Change Mitigation Through Market-based instruments in Large Asian Emitters

Climate change is responsibility of the economic system like households, firms, and governments t... more Climate change is responsibility of the economic system like households, firms, and governments that produces Greenhouse Gases (GHG). This paper aims to analyze effectiveness and efficiency of climate change mitigation policies for Japan, China and India that are large Asian emitters through market-based instruments. GTAP-E model is used to analyze the impact of carbon tax policy using their global commitments to reduce carbon emissions. The result shows that carbon tax is best alternative choice for Japan, China, and India to reduce CO2 emissions as a climate change mitigation. The carbon tax provides that in a GDP increase of 0,44% in Japan. But in China and India find that reducing CO2 emission causes GDP is decline around 0,82% for China and 1,98 for India. Thus, all regions can get emission target by cost-effectively and each welfare loss can be compensated by carbon tax revenues. However, carbon tax is not one way fits to climate change mitigation.

Financial Technology and Poverty Alleviation in Indonesia During the COVID-19 : Impact Evaluation Analysis

Ekombis Review, Jan 5, 2024

The COVID-19 pandemic has brought significant changes, especially to each country's economic and ... more The COVID-19 pandemic has brought significant changes, especially to each country's economic and financial sectors. Economic growth in Indonesia experienced a contraction entering mid-2021. This also impacted limiting economic activity, decreasing household consumption, unemployment risk, and increased poverty. In addition, there are changes in people's behavior, such as digital financing systems, non-cash payment systems, and online buying and selling transaction systems. Efforts to improve the economy are encouraged by stimulating people's economic productivity through adaptation to digital technology developments, especially using digital finance. However, the development of digital finance needs to be supported by public financial literacy and inclusion so that it can positively alleviate poverty. This study aims to analyze the impact of financial technology lending on poverty in Indonesia during the COVID-19 pandemic using instrumental variable analysis (IV) for 2019-202. The results of the study show that fintech lending has a negative effect on the poverty rate. However, it is not significant when other variables are added. E-commerce and the use of credit cards have a negative and significant impact on the poverty rate in Indonesia. In maximizing the role of Fintech in Indonesia, support and cooperation from the government, financial institutions, and various relevant stakeholders are needed.

The Effect of Government Expenditure on Poverty in Indonesia

Advances in economics, business and management research, Dec 31, 2022

The objective of this research is to determine the effect of education function expenditure, soci... more The objective of this research is to determine the effect of education function expenditure, social protection function expenditure and health function expenditure on poverty in Indonesia. The data used in this research are secondary data sourced from the Ministry of Finance and the Central Bereau of Statistics. The analysis method used in this research is panel data regression. Based on the regression results, it is obtained that the fixed effect model as the best model to be used in analysis. Based on the results of the partial test, it was found that social protection function expenditure had a negative effect on poverty in Indonesia, while health function expenditure had a positive effect on poverty in Indonesia, while education function expenditure has no effect on poverty in Indonesia. Furthermore, when viewed simultaneously, education function expenditure, social protection functions expenditure and health function expenditure have a positive effect on poverty in Indonesia with an Adjusted Rsquared value of 0.9973 or 99.73 percent. These results show that 0.27 percent are influenced by variables outside the model. As a consideration for the Indonesian government to overcome poverty, it can be done by increasing social protection function expenditure, this is because social protection expenditure is significantly able to reduce poverty levels in Indonesia. While on education function expenditure and health function expenditure, to reduce poverty in Indonesia, expenditure is not only focused on mandatory spending, but the government should be able to allocate budget for programs that are right on target and can increase human resource productivity.

Financial Technology (Peer-to-Peer Lending): Efficiency and Effect on Economic Growth in Indonesia

Advances in economics, business and management research, Dec 31, 2022

The transformation of the digitalization era has experienced rapid growth, especially in the fina... more The transformation of the digitalization era has experienced rapid growth, especially in the financial services industry, since the emergence of the Covid-19 pandemic in Indonesia. The advances have created Financial Technology (FinTech) through a digital system known as Peer-to-Peer (P2P) Lending, which is in great demand by the public. However, the magnitude of risk management has an efficiency level that needs to be analyzed, and the multiplier effect of promoting economic growth should also be investigated. This study aims to analyze the efficiency level of FinTech P2P lending and the effect on regional economic growth from 2019 to 2022. The results show that P2P lending will be relatively efficient in 2021-2022. The panel data regression indicates that lending positively and significantly affects economic growth. It is expected to be an efficient and accountable online financing service with a multiplier effect on economic growth.

Sharia Financial Literacy Analysis : Case Study of Traditional Market in Yogyakarta

JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi), May 31, 2023

As population growth and financial market developments increase, understanding financial literacy... more As population growth and financial market developments increase, understanding financial literacy becomes important in order to create a quality society on ability to plan and manage their finances well. This research aims to determine the Sharia financial literacy level on traditional market traders in Yogyakarta. This research aims to determine the level of Sharia financial literacy on traditional market traders in Yogyakarta. This research used primary data consisting of 22 traditional markets in Yogyakarta out of 100 respondents. The method used in this research is Chi-Square analysis and processed by SPSS 20.0 for the Windows program. There are four independent variables that were used such as gender, age, education and expenditure. Meanwhile, the dependent variable is Sharia financial literacy either in the knowledge or in the capability of the respondents. The results of the statistics test revealed that traditional market traders have a medium level of knowledge and capability in Sharia financial literacy. The variables of age, education and expenditure show that there are differences in the level of Sharia financial literacy. Meanwhile, the variable of gender showed there is no difference at this level among traditional market traders in the City of Yogyakarta.

Upaya Penguatan Ekonomi Penyandang Disabilitas Melalui Literasi Keuangan Mikro Inklusif di Bengkulu

Bubungan Tinggi, May 30, 2023

Penyandang disabilitas di Indonesia seringkali mengalami hambatan mobilitas dan aksesibilitas. Sa... more Penyandang disabilitas di Indonesia seringkali mengalami hambatan mobilitas dan aksesibilitas. Salah satu bentuk hambatan aksesibilitas kelompok tersebut yaitu akses permodalan (keuangan) guna meningkatkan taraf ekonomi melalui kegiatan wirausaha mandiri. Terbentuknya koperasi merupakan salah satu upaya solutif dalam penyediaan jasa akses keuangan pada kelompok penyandang disabilitas Kota Bengkulu. Hal ini disebabkan kesadaran internal kelompok penyandang disabilitas yang masih minim terhadap koperasi dan pengetahuan serta keterampilan tata kelola koperasi. Salah satu cara yang dilakukan yaitu pemberian edukasi tentang koperasi yang sesuai dan tepat untuk penyandang disabilitas. Kegiatan dilaksanakan Juni 2022 dengan metode penyuluhan melalui sosialisasi dan diskusi interaktif dalam memahami materi yang disampaikan dan diterapkan dalam kegiatan koperasi difabel Kota Bengkulu. Tujuan kegiatan ini yaitu memberikan pengetahuan dan penguatan keahlian dalam mengelola koperasi difabel Kota Bengkulu. Hasil kegiatan ini menunjukkan bahwa peserta dan pengurus koperasi mendapat peningkatan pengetahuan tata kelola koperasi yang sesuai dan tepat untuk diterapkan kepada anggota penyandang disabilitas Kota Bengkulu.

Determinants of Labor Participation and Wages toward People with Disabilities in Indonesia

Indonesian Journal of Disability Studies, Nov 27, 2023

Reductions in the supply of labor and wages occur to people with disabilities. Disability conditi... more Reductions in the supply of labor and wages occur to people with disabilities. Disability conditions cause a decline in productivity so that the probability of being a labor is small, risk of unemployment and loss of income. The high prevalence of disabilities in Indonesia causes inequality of labor participation and wages for disabilities in Indonesia based on the type of disabilities. The data used is Indonesia Family Life Survey (IFLS) waves 4 and 5 by pooled cross-section. The analysis methods are logit and tobit models. The results showed that communicative disabilities have a higher chance of labor participation and wages. Factors of the degree of severity, age, male, head of household, education, urban, chronic disease, ownership of insurance, and ownership of assets also affect labor participation and wages for disabilities. The labor activation program for disabilities is a succession and initiative as welfare reform, poverty alleviation and an indicator of inclusive development.

Child Morbidity in Eastern Indonesia: Does Education and Smoking Behavior of Parents Influence it?

Jurnal Ilmu Kesehatan Masyarakat: The Indonesian Journal of Public Health, Sep 19, 2023

Child health is important, as it contributes to the child's future. Indonesia was ranked second a... more Child health is important, as it contributes to the child's future. Indonesia was ranked second after India as a country with the highest tuberculosis (TB) cases. Welleducated parents must care for their children and maintain their health. At the same time, provinces in Eastern Indonesia have the lowest percentage of non-smoking areas (KTR) implementation. In this study, we analyzed the level of morbidity that focuses on respiratory disease, namely coughing and breathlessness in children. In addition, this study also analyzed the education and parents' smoking behavior focused in Eastern Indonesia. The study analyzes child morbidity according to several affecting factors. Data used were cross-section data collected from secondary data from Indonesia Family Life Survey East (IFLS-East) in 2012. By applying the logistic regression analysis by logit and probit analysis, we figured out that parents' education, children's age, health service availability, and domicile area significantly influenced child morbidity. Fathers' education played a crucial role, as the higher their education, the lower their children's morbidity. Besides, we also found out that parents' smoking habits, child immunization status, sex, and health insurance ownership did not significantly influence child morbidity. Fulfillment of educational aspects is required to the maximum until reaching adulthood, especially for unmarried individuals. Apart from that, parents of smokers and non-smokers need to be educated effectively on the dangers of smoking in order to create a healthy environment and the importance of tobacco or cigarette control policies in the Eastern part of Indonesia.

Partisipasi Kerja Wanita dan Kesejahteraan Rumah Tangga: Studi Empiris di Pulau Sumatera

Kawistara : Jurnal Ilmiah Sosial dan Humaniora/Kawistara, May 13, 2024

Pengolahan Kelapa Menjadi Minyak Vigin Coconut Oil (VCO) Sebagai Upaya Peningkatan Pendapatan Ekonomi Masyarakat Desa Sri Kuncoro Bengkulu Tengah

Kreativasi : Journal of Community Empowerment

The aim of community service activities in Sri Kuncoro Village is to socialize the benefits of co... more The aim of community service activities in Sri Kuncoro Village is to socialize the benefits of coconut trees to the local community. Apart from that, to develop a sense of love for the environment through the use of local coconut trees around people's homes and to introduce ways to process coconuts in a more innovative way that has high added value, namely into VCO oil (Virgin Coconut Oil). The process of making coconuts into "Pure VCO (Virgin Coconut Oil)" is a very strategic "step" in accelerating the achievement of advanced, balanced and sustainable regional development (in Sri Kuncoro Village).

Pendidikan Desa Berkualitas : Revitalisasi Taman Baca Desa Jambu Bengkulu Mencapai Sustainable Development Goals

INFO ARTIKEL Sustainable Village Development / SDG's Village is a big program for Indonesia. One ... more INFO ARTIKEL Sustainable Village Development / SDG's Village is a big program for Indonesia. One of SDG's Village programs is quality village education. Desa Jambu in Bengkulu City is one of the villages that has a high opportunity to become a role model for SDG's Village achievements with the existence of a Taman Baca Desa system, but the implementation of Desa Jambu Taman Baca program has not been carried out optimally by the Village so that the purpose of this community empowerment activity is to revitalize the Taman Baca Desa to achieve sustainable Development Goal's. The Empowerment Activities carried out in the form of counseling and socialization of the importance of managing taman baca desa. The results of this activity show that there is interest, enthusiasm and awareness of the importance to manage taman baca desa by good and optimal management for mutual benefit.

Climate Change Mitigation Through Market-based instruments in Large Asian Emitters

MPRA Paper, Jan 4, 2019

Climate change is responsibility of the economic system like households, firms, and governments t... more Climate change is responsibility of the economic system like households, firms, and governments that produces Greenhouse Gases (GHG). This paper aims to analyze effectiveness and efficiency of climate change mitigation policies for Japan, China and India that are large Asian emitters through market-based instruments. GTAP-E model is used to analyze the impact of carbon tax policy using their global commitments to reduce carbon emissions. The result shows that carbon tax is best alternative choice for Japan, China, and India to reduce CO2 emissions as a climate change mitigation. The carbon tax provides that in a GDP increase of 0,44% in Japan. But in China and India find that reducing CO2 emission causes GDP is decline around 0,82% for China and 1,98 for India. Thus, all regions can get emission target by cost-effectively and each welfare loss can be compensated by carbon tax revenues. However, carbon tax is not one way fits to climate change mitigation.

Peran Pemberdayaan Ekonomi Digital Difa City Tour (Ojek Difa) Terhadap Kesejahteraan Penyandang Disabilitas Di Yogyakarta

Convergence, Jul 31, 2022

The digital economy has become an online platform for all social economic activities especially I... more The digital economy has become an online platform for all social economic activities especially Indoneisa. Platform online have become a necessity for every individual's life. The existence of the digital economy is a business opportunity as a digital tools to improve business performance and interact with consumers. In addition, the digital economy provides open access for everyone including for people with disabilities. Ojek Difa is one of the digital-based innovatiions pioneered by people with disabilities as inclusive-based online transportation services. Ojek Difa is expected to be able to improve the social and economic welfare of ppeople with disabilities. The method used in this research is descriptive qualitative by in-depth interview. The results of the study indicate that Ojek Difabel has a major influence on increasing the economic degree of the income of workers (with disabilities). The results showed an increase in

Pengaruh Asuransi Kesehatan Dan Ekonomi Terhadap Aksesabilitas Layanan Kesehatan Penyandang Disabilitas Di Indonesia

Convergence, Jul 19, 2022

Health insurance is one of social health guarantees programs provided to the society in accessing... more Health insurance is one of social health guarantees programs provided to the society in accessing health services in Indonesia. This program is implemented as a solution of equality problems on health services. This paper aims to analyze effect of health insurance ownership on accessibility health services to people with disabilities who included as vulnerable communities. This research have 1.288 respondents of people with disabilities from Indonesia Family Life Survey that analyzed by multinomial logit regression models. The results show that health insurance ownership of disabilities are not effective enough in accessibility of disabilities health services. To access health service, people with disabilities have main obstacle factor namely physical mobiltity services. Furthermore head of household, chronic disease, transportation costs, and years education variables have significant effect on preventive and curative health services to people with disabilities. Whereas sex and unemployed status significant effect on preventive health services.

Dampak Sosial-Ekonomi Koperasi Difabel dan Perwujudan Microfinance Access

Inklusi journal of disability studies, Oct 4, 2018

Microfinance is a financial institution that can be reached by various groups of people, such as ... more Microfinance is a financial institution that can be reached by various groups of people, such as disabled groups. Microfinance programs provide access to financial services to people with disabilities in the form of savings and credit. People with disabilities need financial services to improve their economic and social levels. However, in general, existing microfinance has not fully reached the disabled groups. This study aims to describe the implementation of activities and the role of the Self-Reliance Savings and Loans Cooperative (KSP BANK) for the disabled in Yogyakarta. The analysis used in the study is the analysis of Paired T-test with SPSS 16.0 analysis tools. This study shows that the level of social-economic of mermbers with disability has a positive and significant increase after the operation of KSP BANK Difabel for the members with disabilities.

Pendidikan Desa Berkualitas : Revitalisasi Taman Baca Desa Jambu Bengkulu Mencapai Sustainable Development Goals

Kreativasi : Journal of Community Empowerment

Sustainable Village Development / SDG's Village is a big program for Indonesia. One of SDG&#3... more Sustainable Village Development / SDG's Village is a big program for Indonesia. One of SDG's Village programs is quality village education. Desa Jambu in Bengkulu City is one of the villages that has a high opportunity to become a role model for SDG's Village achievements with the existence of a Taman Baca Desa system, but the implementation of Desa Jambu Taman Baca program has not been carried out optimally by the Village so that the purpose of this community empowerment activity is to revitalize the Taman Baca Desa to achieve sustainable Development Goal’s. The Empowerment Activities carried out in the form of counseling and socialization of the importance of managing taman baca desa. The results of this activity show that there is interest, enthusiasm and awareness of the importance to manage taman baca desa by good and optimal management for mutual benefit.

Peran Pemberdayaan Ekonomi Digital Difa City Tour (Ojek Difa) Terhadap Kesejahteraan Penyandang Disabilitas Di Yogyakarta

Convergence: The Journal of Economic Development

The digital economy has become an online platform for all social economic activities especially I... more The digital economy has become an online platform for all social economic activities especially Indoneisa. Platform online have become a necessity for every individual’s life. The existence of the digital economy is a business opportunity as a digital tools to improve business performance and interact with consumers. In addition, the digital economy provides open access for everyone including for people with disabilities. Ojek Difa is one of the digital-based innovatiions pioneered by people with disabilities as inclusive-based online transportation services. Ojek Difa is expected to be able to improve the social and economic welfare of ppeople with disabilities. The method used in this research is descriptive qualitative by in-depth interview. The results of the study indicate that Ojek Difabel has a major influence on increasing the economic degree of the income of workers (with disabilities). The results showed an increase in the percentage of 27.3% in income more than Rp. 1,000,...

Pengaruh Asuransi Kesehatan Dan Ekonomi Terhadap Aksesabilitas Layanan Kesehatan Penyandang Disabilitas Di Indonesia

Convergence: The Journal of Economic Development

Health insurance is one of social health guarantees programs provided to the society in accessing... more Health insurance is one of social health guarantees programs provided to the society in accessing health services in Indonesia. This program is implemented as a solution of equality problems on health services. This paper aims to analyze effect of health insurance ownership on accessibility health services to people with disabilities who included as vulnerable communities. This research have 1.288 respondents of people with disabilities from Indonesia Family Life Survey that analyzed by multinomial logit regression models. The results show that health insurance ownership of disabilities are not effective enough in accessibility of disabilities health services. To access health service, people with disabilities have main obstacle factor namely physical mobiltity services. Furthermore head of household, chronic disease, transportation costs, and years education variables have significant effect on preventive and curative health services to people with disabilities. Whereas sex and une...

Determinan Perilaku Kewirausahaan: Studi pada Rumah Tangga di Indonesia

Jurnal Kawistara

Menjalankan usaha sendiri bagi sebagian orang dapat menjadi kegiatan alternatif dari bekerja. Dal... more Menjalankan usaha sendiri bagi sebagian orang dapat menjadi kegiatan alternatif dari bekerja. Dalam keputusan seseorang untuk memiliki usaha, banyak faktor yang melatarbelakanginya baik dari faktor internal maupun eksternal. Dengan menggunakan data dari Indonesia Family Life Survey (IFLS) gelombang 5, penelitian ini melihat dua model usaha yaitu usaha pertanian dan non pertanian. Unit analisis penelitian ini adalah rumah tangga di Indonesia dengan banyak melibatkan variabel-variabel yang terkait dengan Kepala Rumah Tangga (KRT). Metodel yang digunakan adalah cross section dengan regresi logistik. Hasil temuan dari penelitian ini adalah status pernikahan, daerah tempat tinggal, jumlah anggota rumah tangga, akses internet dan status kepegawaian memengaruhi seseorang untuk membuka usaha pertanian maupun non pertanian. Selain itu, faktor genetik di mana hal ini melihat apakah ayahnya seorang wirausaha yang memiliki usaha sendiri atau tidak dan juga suku menjadi penentu usaha pertanian. ...

Dampak Sosial-Ekonomi Koperasi Difabel dan Perwujudan Microfinance Access

INKLUSI, 2018

Microfinance is a financial institution that can be reached by various groups of people, such as ... more Microfinance is a financial institution that can be reached by various groups of people, such as disabled groups. Microfinance programs provide access to financial services to people with disabilities in the form of savings and credit. People with disabilities need financial services to improve their economic and social levels. However, in general, existing microfinance has not fully reached the disabled groups. This study aims to describe the implementation of activities and the role of the Self-Reliance Savings and Loans Cooperative (KSP BANK) for the disabled in Yogyakarta. The analysis used in the study is the analysis of Paired T-test with SPSS 16.0 analysis tools. This study shows that the level of social-economic of mermbers with disability has a positive and significant increase after the operation of KSP BANK Difabel for the members with disabilities.[Keuangan mikro merupakan lembaga keuangan yang dapat dijangkau oleh berbagai kelompok masyarakat, seperti kelompok difabel. ...

Climate Change Mitigation Through Market-based instruments in Large Asian Emitters

Climate change is responsibility of the economic system like households, firms, and governments t... more Climate change is responsibility of the economic system like households, firms, and governments that produces Greenhouse Gases (GHG). This paper aims to analyze effectiveness and efficiency of climate change mitigation policies for Japan, China and India that are large Asian emitters through market-based instruments. GTAP-E model is used to analyze the impact of carbon tax policy using their global commitments to reduce carbon emissions. The result shows that carbon tax is best alternative choice for Japan, China, and India to reduce CO2 emissions as a climate change mitigation. The carbon tax provides that in a GDP increase of 0,44% in Japan. But in China and India find that reducing CO2 emission causes GDP is decline around 0,82% for China and 1,98 for India. Thus, all regions can get emission target by cost-effectively and each welfare loss can be compensated by carbon tax revenues. However, carbon tax is not one way fits to climate change mitigation.