{"title":"Digital and Financial Access: Evidence from Household Consumption in Indonesia","authors":"Besti Novianda, Indah Maya Sari, Verni Juita","doi":"10.33019/equity.v11i2.227","DOIUrl":"https://doi.org/10.33019/equity.v11i2.227","url":null,"abstract":"This research focuses on the influence of formal finance access and digital financial services on household consumption in Indonesia. Researchers use secondary data by digging into information obtained from Susenas 2019 and using The Ordinary Least Square (OLS) method. The research results show that the development of Access to formal finance and digital financial services is increasingly developing, which will increase household consumption in Indonesia. The results of this study are based on previous studies. The results imply that digital financial inclusion can increase household consumption expenditure in Indonesia. It is important for policymakers to find the right mechanism to improve the financial well-being of Indonesia's economically vulnerable population. Promoting the comprehensive and balanced development of financial institutions is an important step to stimulate household consumption. Therefore, financial institutions need to embrace digital finance as a great opportunity and expand their market by providing easier access to financial services for low- and middle-income households so that people can reap the desired benefit. \u0000 ","PeriodicalId":476781,"journal":{"name":"Equity: Jurnal Ekonomi","volume":"25 5","pages":""},"PeriodicalIF":0.0,"publicationDate":"2024-01-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"140506846","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"The Impact Of Direct Cash Transfers (BLT) And Non-Cash Transfers (BNT) On Poor Households In Rokan Hulu District","authors":"Khairini Rini, Dahlan Tampubolon, Rita Yani Iyan","doi":"10.33019/equity.v11i2.161","DOIUrl":"https://doi.org/10.33019/equity.v11i2.161","url":null,"abstract":"This study aims to determine how the impact and differences of Direct Cash Assistance (BLT) and Non-Cash Assistance (BNT) on Poor Households in Rokan Hulu Regency. The method used in this research non probability sampling with number of samples as many as 80 poor household respondents who received Direct Cash Assistance (BLT) and Non-Cash Assistance (BNT). The data used in this research are primary data and secondary data. The data analysis method used was descriptive qualitative analysis and the Independent Sample T-test. The results of this study indicate that Direct Cash Assistance (BLT) and Non-Cash Assistance (BNT) have an impact on poor households in the Ujung Batu sub-district. Poor Households in the Ujung Batu sub-district of Rokan Hulu district and there is a difference between poor households that receive Direct Cash Assistance (BLT) and Non-Cash Assistance (BNT).","PeriodicalId":476781,"journal":{"name":"Equity: Jurnal Ekonomi","volume":"391 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-08-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136349827","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}