Determinants of Income Among Entrepreneurs with Disabilities: Insights from Financial Bookkeeping, Education, and Digital Technology

Abstract

This study explores the factors influencing the income of entrepreneurs with disabilities, focusing on financial bookkeeping, education, digital technology, social participation, location, and gender. Utilizing data from Indonesia’s 2021 National Labor Force Survey (Sakernas), this quantitative research employs multiple linear regression modeling to analyze the relationships between these factors and income. The findings reveal that financial bookkeeping and digital technology significantly impact income, with financial bookkeeping exhibiting the strongest effect. Education and social participation also positively influence income by enhancing entrepreneurial skills and confidence. Location and gender highlight disparities, with urban entrepreneurs faring better, while female entrepreneurs still face limited income opportunities. These findings underscore the need for inclusive policies targeting financial training, education, digital infrastructure, and support for marginalized groups. The insights offered by this study provide valuable contributions to understanding and addressing the economic challenges faced by entrepreneurs with disabilities.

Keywords

• Entrepreneurship
• Disability
• Income
• Financial Bookkeeping
• Digital Technology