| dc.contributor.advisor | Anggraeni, Lukytawati | |
| dc.contributor.author | Ritonga, Alfiah Azqy | |
| dc.date.accessioned | 2026-08-04T09:05:54Z | |
| dc.date.available | 2026-08-04T09:05:54Z | |
| dc.date.issued | 2026 | |
| dc.identifier.uri | http://repository.ipb.ac.id/handle/123456789/177031 | |
| dc.description.abstract | Akselerasi digitalisasi keuangan di Jawa Timur belum diikuti oleh pemerataan kesejahteraan antarwilayah. Penelitian ini bertujuan menganalisis pengaruh inklusi keuangan digital terhadap pertumbuhan ekonomi, kemiskinan,
dan ketimpangan pendapatan di 38 kabupaten/kota Provinsi Jawa Timur periode 2020–2025. Metode analisis menggunakan regresi data panel dengan mengonstruksi Digital Financial Inclusion Index (DFII) menggunakan data QRIS. Temuan penelitian menunjukkan bahwa DFII berpengaruh positif signifikan terhadap pertumbuhan ekonomi serta berpengaruh negatif signifikan terhadap tingkat kemiskinan. Sebaliknya, DFII berpengaruh positif tidak signifikan terhadap ketimpangan pendapatan (Rasio Gini) akibat kendala kesenjangan digital (digital divide) di mana transaksi digital masih terkonsentrasi di wilayah kota. Implikasi kebijakan mensyaratkan pentingnya pemerataan infrastruktur digital dan integrasi program literasi keuangan di wilayah kabupaten untuk memperluas manfaat pembangunan inklusif. | |
| dc.description.abstract | The acceleration of digital financial inclusion in East Java has not been accompanied by equal regional welfare. This study aims to analyze the effect of digital financial inclusion on economic growth, poverty, and income inequality in 38 regencies/cities of East Java Province during 2020–2025. The analysis employs panel data regression by constructing the Digital Financial Inclusion Index (DFII) using QRIS data. The findings show that DFII has a significant positive effect on economic growth and a significant negative effect on poverty. Conversely, DFII has an insignificant positive effect on income inequality (Gini Ratio) due to the digital divide, where digital transactions remain concentrated in urban areas. Policy implications highlight the necessity of equalizing digital infrastructure and integrating financial literacy in regencies to optimize inclusive development. | |
| dc.description.sponsorship | | |
| dc.language.iso | id | |
| dc.publisher | IPB University | id |
| dc.title | Pengaruh QRIS Intensity Index Terhadap Pertumbuhan Ekonomi, Tingkat Kemiskinan dan Ketimpangan Pendapatan Kabupaten/Kota Provinsi Jawa Timur | id |
| dc.title.alternative | The Effect of QRIS Intensity Index on Economic Growth, Poverty, and Income Inequality in Regencies/Cities of East Java Province | |
| dc.type | Skripsi | |
| dc.subject.keyword | digital financial inclusion index | id |
| dc.subject.keyword | kemiskinan | id |
| dc.subject.keyword | Ketimpangan Pendapatan | id |
| dc.subject.keyword | pertumbuhan ekonomi | id |
| dc.subject.keyword | panel statis | id |
| dc.subtype | Undergraduate Theses | |
