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Determinan Implementasi Central Bank Digital Currency Di Indonesia, Kharisma Dwi Widodo, Bambang Juanda, Dedi Budiman Hakim
Determinan Implementasi Central Bank Digital Currency Di Indonesia, Kharisma Dwi Widodo, Bambang Juanda, Dedi Budiman Hakim
Jurnal Ekonomi dan Pembangunan Indonesia
Private digital currency is no longer limited to shadow banking issues but has also entered shadow central banking, putting Bank Indonesia to adopt the CBDC. This study aims to determine the effect of macroeconomic, accessibility, and demographic aspects on CBDC implementation, as well as the impact of publicity on changes in the behavior of economic actors in using CBDC in Indonesia. The results of the study show that GRDP, gini ratio, ICT, and bank accounts have an effect on CBDC. Publicity affects changes in the behavior of economic actors in increasing the conversion of fiat money to CBDC.
Dampak Pinjaman Mikro Terhadap Kesejahteraan Rumah Tangga Perempuan Pengusaha Mikro Dan Kecil, Dewi Ratna Sjari M, Bonar M. Sinaga, Nunung Kusnadi, Yusman Syaukat
Dampak Pinjaman Mikro Terhadap Kesejahteraan Rumah Tangga Perempuan Pengusaha Mikro Dan Kecil, Dewi Ratna Sjari M, Bonar M. Sinaga, Nunung Kusnadi, Yusman Syaukat
Jurnal Ekonomi dan Pembangunan Indonesia
This study aims to examine how credit lending can improve MSEs performance, its impact on women micro and small entrepreneurs (PPMK) household welfare, and the determinants of their disinterest in subsidised loans. Using a sample of 82 PPMK households in Depok City and Bogor Regency with the Propensity Score Matching (PSM) method, the results showed loans could boost business income. Still, the government’s credit with low-interest rates is not the primary choice due to limited knowledge, an obligation for collateral, and religious issues such as usury. This study also shows government credit assistance can improve the welfare of MSE households.