https://journal.nurscienceinstitute.id/index.php/jerps <hr style="border: 0; border-top: 1px solid #ccc; margin: 20px 0;" /> <div style="font-family: arial; font-size: 14px; line-height: 1.7; text-align: justify; margin: 0 auto; max-width: 900px;"><img style="width: 25%; float: left; margin-right: 20px; border-radius: 6px; margin-bottom: 10px;" src="https://journal.nurscienceinstitute.id/public/journals/6/journalThumbnail_en_US.webp" alt="cover image" /> <div class="col-12 about_journal"> <table class="nursciencetable"> <tbody> <tr> <th>Journal title</th> <td><strong>: <a href="https://journal.nurscienceinstitute.id/index.php/jerps" target="_blank" rel="noopener">Journal of Economics Research and Policy Studies</a></strong></td> </tr> <tr> <th>Initials</th> <td><strong>:</strong> JEPRS</td> </tr> <tr> <th>Abbreviation</th> <td><strong>:</strong> J. Econ. Res. Policy Stud.</td> </tr> <tr> <th>Language</th> <td><strong>:</strong> English, Indonesian</td> </tr> <tr> <th>Management Style</th> <td><strong>:</strong> Open Access</td> </tr> <tr> <th>Frequency</th> <td><strong>: </strong>Three times a year</td> </tr> <tr> <th>DOI Prefix</th> <td><strong>:</strong> <a href="https://doi.org/10.53088/jerps">10.53088/jerps</a></td> </tr> <tr> <th>E-ISSN</th> <td><strong>:</strong> <a href="https://issn.brin.go.id/terbit/detail/20210512432090744" target="_blank" rel="noopener">2797-8141</a></td> </tr> <tr> <th>Publisher</th> <td><strong>:</strong> Nur Science Institute, Indonesia</td> </tr> <tr> <th>Editor-in-Chief</th> <td><strong>Lak Lak Nazhat El Hasanah </strong> <a class="tooltipped" href="https://www.scopus.com/authid/detail.uri?authorId=57222328880" target="_blank" rel="noopener" data-position="top" data-tooltip="SCOPUS ID"><img src="https://journal.nurscienceinstitute.id/public/site/images/logo/scopus.png" width="14" height="14" /></a> <a class="tooltipped" href="https://sinta.kemdikbud.go.id/authors/profile/6200301&amp;view=overview" target="_blank" rel="noopener" data-position="top" data-tooltip="Google Scholar"><img src="https://journal.nurscienceinstitute.id/public/site/images/logo/sinta.png" width="14" height="14" /></a> <a class="tooltipped" href="https://scholar.google.com/citations?user=PoJmTmgAAAAJ&amp;hl=en&amp;oi=ao" target="_blank" rel="noopener" data-position="top" data-tooltip="Sinta ID"><img src="https://journal.nurscienceinstitute.id/public/site/images/logo/gs.png" width="14" height="14" /></a></td> </tr> <tr> <th>License</th> <td><strong>:</strong> CC BY SA</td> </tr> <tr> <th>Citation Analysis</th> <td><strong>:</strong> <a href="https://www.scopus.com/results/results.uri?st1=%22Journal+of+Economics+Research+and+Policy+Studies%22&amp;st2=%22Journal+of+Economics+Research+and+Policy+Studies%22&amp;s=%28ALL%28%22Journal+of+Economics+Research+and+Policy+Studies%22%29+OR+REF%28%22Journal+of+Economics+Research+and+Policy+Studies%22%29%29&amp;limit=10&amp;origin=searchbasic&amp;sort=plf-f&amp;src=dm&amp;sot=b&amp;sdt=b&amp;sessionSearchId=1c3d88f762848b5733fdc2fc5c61d879" target="_blank" rel="noopener">Scopus</a>| <a href="https://app.dimensions.ai/discover/publication?and_facet_source_title=jour.1410274" target="_blank" rel="noopener">Dimensions</a> | <a href="https://sinta.kemdikbud.go.id/journals/profile/11648" target="_blank" rel="noopener">Sinta</a></td> </tr> </tbody> </table> </div> <hr style="border: 0; border-top: 1px solid #ccc; margin: 20px 0;" /></div> <div class="row card-panel lighten-5 identitas"> <p style="text-align: justify;"><strong>Journal of Economics Research and Policy Studies [<a href="https://issn.brin.go.id/terbit/detail/20210512432090744" target="_blank" rel="noopener">2797-8141</a>]</strong><strong> </strong>is a scientific journal that contains the results of theoretical research and studies on economic issues. The focus of this journal article is Economics, Economic Entrepreneurship, and start-up, development economics, monetary and fiscal policies, Islamic finance, international and regional economics, institutional economics, and tourism economics, agriculture economics, labor economics, behavioral economics, environmental economics, SMEs financing, feasibility studies, community empowerment, coastal economics, Islamic economics, Cognitive economics, Law and Economics, Social and Economic Statistics, Econophysics, Economics of Entrepreneurship, and Political Economics. The journal accepts original manuscripts in <strong>English</strong> or <strong>Bahasa Indonesia</strong> that have not been published elsewhere.</p> <p style="text-align: justify;"><strong>Journal of Economics Research and Policy Studies </strong>has been nationally accredited <strong>SINTA 5 </strong>based on the <a href="https://storage.googleapis.com/arjuna-files/file/info/SK_Akreditasi_Jurnal_Ilmiah_Periode_II_Tahun_2023.pdf">Decree of the Director General of Higher Education, Research, and Technology Number 152/E/KPT/2023</a>, concerning the Accreditation Ranking of Scientific Journals for the second period of 2023, starting from Volume 1 Number 1 in 2021 up to Volume 5 Number 3 in 2025.</p> <p style="text-align: justify;"> </p> </div> Nur Science Institute en-US Journal of Economics Research and Policy Studies 2797-8141 <p style="text-align: justify;">Authors who publish with this journal agree to the following terms:</p> <p style="text-align: justify;">The author(s) retain copyright and grant the journal the right of first publication with the work simultaneously licensed under a <a href="https://creativecommons.org/licenses/by-sa/4.0/">CC BY-SA 4.0</a> license that allows others to remix, adapt, and build upon the work even for commercial purposes, as long as they credit the author(s) and license their new creations under the identical terms.</p> <p style="text-align: left;">License details: <a href="https://creativecommons.org/licenses/by-sa/4.0/">https://creativecommons.org/licenses/by-sa/4.0/</a></p> https://journal.nurscienceinstitute.id/index.php/jerps/article/view/2013 <p>Digital financial inclusion is an effective and efficient measure in accelerating financial inclusion, including in Indonesia. This study aims to analyze sociodemographic factors on the probability of digital payment usage. The data used comes from the World Bank Gallup World Poll Survey 2021 on the Global Financial Inclusion Index released by the World Bank, with 1,062 respondents. By applying logistic regression, this study explores the influence of sociodemographic factors such as gender, education, income, age, place of residence, and internet access on the probability of using digital payments. The results show an imbalance in gender, with women having a higher likelihood of using digital payments. Additionally, higher education and income levels increase the likelihood of using digital payments. However, there is an inconsistency where higher income actually reduces the likelihood of using digital payment services. On the other hand, there is a disparity in opportunities between individuals living in rural and urban areas and in accessibility to the internet. The U-shaped hypothesis regarding the relationship between age and digital payment usage is proven in this study. Overall, the results show that individuals with higher sociodemographic status are more likely to use financial technology.</p> Nur Andriyani Annisa Nur Salam Siti Aisyah Handy Nugraha Copyright (c) 2025 Nur Andriyani, Annisa Nur Salam, Siti Aisyah, Handy Nugraha https://creativecommons.org/licenses/by-sa/4.0 2025-11-26 2025-11-26 5 3 615 625 10.53088/jerps.v5i3.2013