Digitalisasi Keuangan dan Tingkat Kemiskinan di ASEAN-7: Analisis Panel 2014-2024
DOI:
https://doi.org/10.37034/jems.v8i2.323Keywords:
Tingkat Kemiskinan, Pembayaran Digital, PDB per Kapita, Tingkat Pengangguran, ASEAN-7Abstract
Penelitian ini menganalisis pengaruh digitalisasi keuangan terhadap tingkat kemiskinan di tujuh negara ASEAN (ASEAN-7) selama periode 2014–2024. Tujuan penelitian adalah menguji peran pembayaran digital dalam menurunkan kemiskinan dengan mempertimbangkan faktor ekonomi dan pasar kerja. Penelitian menggunakan data panel (lintas negara dan runtut waktu) dan dianalisis melalui regresi data panel model Fixed Effect (FEM). Variabel yang digunakan meliputi tingkat kemiskinan sebagai variabel dependen, serta pembayaran digital, GDP per kapita, pengguna ponsel, dan tingkat pengangguran sebagai variabel independen. Hasil estimasi menunjukkan bahwa pembayaran digital signifikan mempengaruhi tingkat kemiskinan secara negatif. Variabel GDP per kapita terhadap kemiskinan berpengaruh negatif dan signifikan. Sementara pengguna ponsel tidak berpengaruh signifikan terhadap tingkat kemiskinan. Sebaliknya, tingkat pengangguran berpengaruh positif dan kuat terhadap kemiskinan. Kesimpulan utama penelitian ini menegaskan bahwa penguatan ekosistem keuangan digital dapat mendukung pengentasan kemiskinan, namun perlu didukung oleh pertumbuhan ekonomi yang berkualitas dan perbaikan kondisi pasar tenaga kerja agar dampaknya lebih berkelanjutan.
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Copyright (c) 2026 Indah Susilowati, Mochamad Haydar, Siti Naeni Nur Khaeni, Etma Puji Setyowati, Haidar Akhmad Al Barabasi
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