Microfinance is a financial institution that can be reached by various groups of people, such as disabled groups. Microfinance programs provide access to financial services to people with disabilities in the form of savings and credit. People with disabilities need financial services to improve their economic and social levels. However, in general, existing microfinance has not fully reached the disabled groups. This study aims to describe the implementation of activities and the role of the Self-Reliance Savings and Loans Cooperative (KSP BANK) for the disabled in Yogyakarta. The analysis used in the study is the analysis of Paired T-test with SPSS 16.0 analysis tools. This study shows that the level of social-economic of mermbers with disability has a positive and significant increase after the operation of KSP BANK Difabel for the members with disabilities.[Keuangan mikro merupakan lembaga keuangan yang dapat dijangkau oleh berbagai kelompok masyarakat, seperti kelompok difabel. Program keuangan mikro memberikan akses jasa keuangan kepada difabel baik dalam bentuk tabungan maupun kredit. Layanan jasa keuangan sangat dibutuhkan difabel dalam meningkatkan taraf ekonomi-sosial mereka. Akan tetapi, pada umumnya keuangan mikro yang ada belum menjangkau secara penuh kelompok difabel. Penelitian ini bertujuan untuk mendeskripsikan pelaksanaan kegiatan dan peran Koperasi Simpan Pinjam (KSP) Bangun Akses Kemandirian (BANK) Difabel Yogyakarta. Analisis yang digunakan dalam penelitian adalah analisis uji Paired T-test dengan alat analisis SPSS 16.0. Penelitian ini menunjukkan bahwa Taraf ekonomi-sosial difabel mengalami peningkatan positif dan signifikan setelah adanya koperasi difabel bagi anggota KSP BANK Difabel tersebut.]

The digital economy has become an online platform for all social economic activities especially Indoneisa. Platform online have become a necessity for every individual’s life. The existence of the digital economy is a business opportunity as a digital tools to improve business performance and interact with consumers. In addition, the digital economy provides open access for everyone including for people with disabilities. Ojek Difa is one of the digital-based innovatiions pioneered by people with disabilities as inclusive-based online transportation services. Ojek Difa is expected to be able to improve the social and economic welfare of ppeople with disabilities. The method used in this research is descriptive qualitative by in-depth interview. The results of the study indicate that Ojek Difabel has a major influence on increasing the economic degree of the income of workers (with disabilities). The results showed an increase in the percentage of 27.3% in income more than Rp. 1,000,000 and 45.5% in the range of income from more than Rp. 500,000 to Rp. 1,000,000 after the presence of Ojek Difa.