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All Journal Jurnal Bina Praja Journal of Islamic economy and Community Engagement Jurnal Akuntansi Keuangan dan Bisnis Journal of Scientific Research, Education, and Technology
Moh. Najikhul Fajri
Department of Economics, Faculty of Economics and Business, Universitas Diponegoro Semarang, Indonesia
Religion Humanities Computer Science & IT Economics, Econometrics & Finance Education Engineering Environmental Science Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences

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Menjaga Kemudahan Berbisnis Melalui Pinjaman Perbankan dan Transformasi Digital terhadap Produktivitas Kelapa Sawit di Provinsi Lampung: Pendekatan Polinomial Moh Najikhul Fajri; Achmad Kharisudin
Jurnal Bina Praja Vol 17 No 1 (2025)
Publisher : Research and Development Agency Ministry of Home Affairs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21787/jbp.17.2025.205-222

Abstract

This study analyses the complementary effects of bank financing and digital transformation on palm oil productivity in the Lampung Province. This study used secondary panel data from 15 districts and cities in Lampung from 2014 to 2022. This study applies spatial efficiency analysis in the form of slack-based measurement and data envelopment analysis to measure the amount of productivity. Meanwhile, the effect of banking financing and digital transformation on productivity uses an advanced polynomial static panel regression, generalized least squares. The results show that banking credit in the agricultural sector has a significant positive effect, and digitalization has a U-shaped characteristic (Kuznet’s U-shaped curve) that leads to a positive effect on palm oil productivity under certain conditions. Bank credit acts as a medium-term funding stimulus, so the scale of the palm oil business is relatively maintained. In line with this, it needs to be accompanied by technological capacity and support in the form of internalization, both structurally and functionally, so that the efficiency of palm oil production can be navigated properly. Therefore, the government and institutions must expand digital access across Lampung to surpass the critical threshold and improve farmers’ digital skills. At the same time, basic access, such as subsidized fertilizers and the development of agricultural platforms, is essential given the substantial future potential of digitalization. Financial institutions must also evaluate and simplify credit access with sufficient guarantees and provide interest subsidies (through interbank and local government collaboration) to accommodate potential productivity gains. In terms of regional living standards, promoting job creation across sectors could be beneficial. Meanwhile, to mitigate the adverse effects of industrialization on palm oil productivity, a synergistic partnership system between farmers and industries with fair pricing is necessary to ensure a broader supply and sustained production growth.
Digitalization, Finance, and Governance for Blue Inclusive Growth in Sulampua Moh. Najikhul Fajri; Backtiar Putra Pratama; Andini Kusumawardhani
Journal of Scientific Research, Education, and Technology (JSRET) Vol. 5 No. 2 (2026): Vol. 5 No. 2 2026
Publisher : Kirana Publisher (KNPub)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58526/jsret.v5i2.1145

Abstract

This study aims to analyze the spillover effects of digitalization, financing, and institutional governance on inclusive blue economic growth in SULAMPUA. By applying aggregated crosstabulation (PODES) to a panel data model of 144 regencies/cities during 2019–2022 in the Sulawesi, Maluku, and Papua regions. This study employs three analytical techniques, namely cluster analysis: k-means and location quotient to determine blue economic centers; efficiency analysis: Luenberger productivity index to determine inclusive blue growth; and static panel regression to determine digitalization, financing, and governance. The results show that digitalization and banking financing have a significant positive effect on inclusive blue growth.
VILLAGE-OWNED ENTERPRISES IN BREBES REGENCY: GOVERNANCE GAPS, MARKET COMPETITION, AND PATHWAYS TO SUSTAINABILITY Tangguh Pratysto; Fransiscus Xaverius Sugiyanto; Deny Cahyadinanto Sanjoko; Maulana Ghani Yusuf; Moh Najikhul Fajri
Journal of Islamic Economy and Community Engagement Vol. 6 No. 2 (2025): Volume 6 No.2 2025
Publisher : FEBI UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jiecem.2025.6.2.2717

Abstract

The poverty rate in Brebes is among the highest in the province, with 15.6% of its people living below the poverty line in 2024. To overcome these problems, Village-owned Enterprises (BUM Desa) were introduced through Law No. 6 of 2014 to tap local potential, boost welfare, and raise Village Original Revenue. While every village in Brebes has a BUM Desa, many are still at the beginning of their development and experience setbacks in areas such as legal formalisation, governance, managerial skills, and market competitiveness. This research uses a qualitative approach and a semi-structured interview with the Baperlitbangda and Dinpermades to analyse the institution's performance and its relationship with the emerging Koperasi Desa Merah Putih (KDMP). The findings indicate reliance on individual leadership, high levels of non-performing loans, and unclear market-share allocations, as Village-Owned Enterprises (BUMDes) are suspected of competing with KDMPs rather than collaborating with them. Strengthening the legal framework for professional management of Village-Owned Enterprises (BUM Desa) in Brebes Regency is necessary to realize a dynamic village economy.
The Effect of Lembaga Penjamin Simpanan Deposit Guarantee Implementation on Dual Rural Bank’s Stability in Indonesia Moh. Najikhul Fajri; Andini Kusumawardhani
Jurnal Akuntansi Keuangan dan Bisnis Vol 19 No 1 (2026): Jurnal Akuntansi Keuangan dan Bisnis
Publisher : Politeknik Caltex Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35143/jakb.v19i1.6927

Abstract

Main Purpose - This study examines the role of deposit insurance in enhancing the stability of conventional and Islamic rural banks (BPR and BPRS) under economic uncertainty. Method – A quantitative approach is employed using a dynamic panel data model, analyzing data from 1,266 BPRs and 113 BPRSs between 2013 and 2019. The Generalized Method of Moments (GMM) is applied to account for persistence in bank stability and potential endogeneity between deposit insurance and stability. Main Findings – The results show that ethical climate has a positive effect on trust and a negative effect on organizational misidentification and workplace bullying. Employees who perceive a stronger ethical climate tend to have higher trust and lower negative workplace behaviors. The findings also provide preliminary evidence that trust mediates the relationship between ethical climate and negative workplace behaviors. Theory and Practical Implications – The findings suggest that deposit insurance alone does not guarantee bank stability; it operates effectively when combined with sufficient capitalization. Policymakers and bank managers should ensure strong bank fundamentals to maximize the protective role of deposit insurance, especially under economic uncertainty. Novelty – This study uniquely investigates how economic uncertainty conditions the interaction between deposit insurance, capitalization, and bank stability, focusing on the often-overlooked BPR and BPRS sector.  
Co-Authors Achmad Kharisudin Andini Kusumawardhani Andini Kusumawardhani Backtiar Putra Pratama Deny Cahyadinanto Sanjoko Fransiscus Xaverius Sugiyanto Maulana Ghani Yusuf Tangguh Pratysto