Kesiapan Ekosistem Digital dan Pemerataan Ekonomi Indonesia: Kerangka E-MetaSphere Berbasis SVAR

Rusiadi

doi:10.47709/jebma.v6i2.8638

Penulis

Rusiadi Universitas Pembangunan Panca Budi

DOI:

https://doi.org/10.47709/jebma.v6i2.8638

Abstrak

Latar belakang: Transformasi ekonomi digital di Indonesia semakin berkembang melalui peningkatan transaksi uang elektronik, layanan keuangan digital, dan ekosistem berbasis platform. Namun, perkembangan tersebut belum sepenuhnya mendorong pemerataan ekonomi karena masih terdapat kesenjangan akses digital, literasi keuangan, infrastruktur, dan kesiapan masyarakat dalam memanfaatkan layanan digital.
Tujuan: Penelitian ini bertujuan menganalisis hubungan dinamis antara transaksi uang elektronik, inklusi keuangan digital, pertumbuhan ekonomi, ketimpangan ekonomi, dan kesiapan ekosistem digital dalam kerangka E-MetaSphere.

Metode: Penelitian ini menggunakan pendekatan kuantitatif dengan data sekunder deret waktu Indonesia. Variabel penelitian meliputi EMONEY, DFI, GDP, INEQ, dan METAREAD. Analisis dilakukan menggunakan Structural Vector Autoregression (SVAR), Impulse Response Function (IRF), dan Forecast Error Variance Decomposition (FEVD).

Hasil: Temuan menunjukkan bahwa kesiapan ekosistem digital berperan dalam memperkuat pemerataan ekonomi digital. Respons ketimpangan ekonomi terhadap guncangan inklusi keuangan digital cenderung menurun, sedangkan kontribusi kesiapan ekosistem digital terhadap pertumbuhan ekonomi meningkat pada jangka menengah dan panjang.

Kesimpulan: Pemerataan ekonomi digital tidak cukup dicapai melalui perluasan transaksi nontunai, tetapi membutuhkan inklusi keuangan digital, literasi teknologi, infrastruktur merata, kepercayaan platform, dan kesiapan ekosistem digital. Kerangka E-MetaSphere menjadi pendekatan integratif untuk menjelaskan transformasi ekonomi digital yang lebih inklusif di Indonesia.

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