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Subhan Purwadinata
Universitas Mataram, Indonesia

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The Influence of Total Assets, Investment Breakdown, Inflation, and Interest Rates on Gross Premium Growth in the Indonesian General Insurance Industry (2018–2025) Thony Warisman; Prayitno Basuki; Subhan Purwadinata
JURNAL ECONOMINA Vol. 5 No. 7 (2026): JURNAL ECONOMINA, Juli 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i7.3496

Abstract

This study aims to analyze the effect of Total Assets, Investment Details, Inflation, and Interest Rates on the Gross Premium of the general insurance industry in Indonesia for the 2018–2025 period. The research utilizes a quantitative approach with monthly secondary data obtained from the Financial Services Authority (OJK), the Central Bureau of Statistics (BPS), and Bank Indonesia (BI). The analysis technique used is multiple linear regression processed through EViews 12, consisting of classical assumption tests, partial test (t), simultaneous test (F), and coefficient of determination (Adjusted R²). The results show that Total Assets has a positive and significant effect on Gross Premium, Investment Details has a negative and significant effect on Gross Premium, Inflation has no significant effect on Gross Premium, while Interest Rates has a positive and significant effect on Gross Premium. Simultaneous testing indicates that all independent variables collectively have a significant effect on Gross Premium, explaining 47.60% of the model’s variance, while the remaining is influenced by other variables outside the model. The research findings suggest that the development of Gross Premium in Indonesia’s general insurance industry is highly driven by the internal financial strength of the firms rather than macro-level indicators individually, emphasizing that asset strengthening, prudent investment management, and corporate financial health are essential aspects of insurance industry growth
Determinants of Labor Productivity and Their Implications for Employee Compensation in the Banking Sector of Mataram City Irwan Irwan; Luluk Fadliyanti; Subhan Purwadinata
JURNAL ECONOMINA Vol. 5 No. 8 (2026): JURNAL ECONOMINA, Agustus 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i8.4044

Abstract

This study examines the effects of education, work experience, digitalization, and workplace facility support on employee compensation, with labor productivity as a mediating variable in the banking sector of Mataram City. An explanatory quantitative design involved 76 purposively selected respondents from a population of 240 employees at three banking institutions. Questionnaire data were analyzed using PLS-SEM with SmartPLS 4. The results show that education and workplace facility support have positive and significant effects on compensation, whereas work experience and digitalization have no significant direct effects. Labor productivity positively affects compensation and significantly mediates only the relationship between work experience and compensation. The model explains 65.4% of labor productivity variance and 53.1% of compensation variance, with Q² of 0.838.
The Influence Of Changes In Regional Transfers, Economic Growth, And Regional Tax Potential On The Fiscal Independence Of Regencies/Cities In West Nusa Tenggara Province (2021–2025) Rahmayani Rahmayani; Subhan Purwadinata
JURNAL ECONOMINA Vol. 5 No. 10 (2026): JURNAL ECONOMINA, Oktober 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i10.4736

Abstract

The planned reduction in Transfers to Regions (TKD) in 2026 raises the question of whether local governments can finance themselves from their own revenue. This study analyzes the effect of changes in TKD, economic growth, and regional tax potential on the fiscal independence of regencies and cities in West Nusa Tenggara (NTB) Province, Indonesia, during 2021–2025. This quantitative study uses secondary data from the Directorate General of Fiscal Balance and Statistics Indonesia for ten regencies and cities in NTB over 2021–2025 (a balanced panel of 50 observations). Fiscal independence is the share of own-source revenue (PAD) in total revenue, TKD is captured by its year-on-year percentage change, economic growth by the growth of constant-price GRDP, and tax potential by the regional tax target. Panel data regression is applied, and the Chow, Hausman, and Lagrange Multiplier tests select the random effect model. The results show that changes in TKD (p = 0.1775) and economic growth (p = 0.8233) have no significant effect, whereas regional tax potential has a positive and significant effect (p < 0.001). Jointly, the three variables are significant (F = 13.4796; p < 0.001; adjusted R² = 0.4331). The findings indicate that, during the period studied, fiscal independence is associated with the size of regional tax targets but is not shown to respond to fluctuations in TKD. Local governments should strengthen regional tax revenue.
Domestic Tourism, Food Agriculture, or Human Capital? Determinants of Poverty in Districts/Cities in West Nusa Tenggara Province 2020–2025 Tio Maulana Cahyadi; Subhan Purwadinata
JURNAL ECONOMINA Vol. 5 No. 10 (2026): JURNAL ECONOMINA, Oktober 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/economina.v5i10.4776

Abstract

This study aims to analyze the effect of the labor force participation rate (LFPR), rice production, average years of schooling, domestic tourist travel, and local government capital expenditure on poverty levels in districts/cities in West Nusa Tenggara Province. The study used panel data from 10 districts/cities during 2020–2025 (60 observations) sourced from the Central Statistics Agency. Based on the Chow test, the Hausman test, and the Lagrange Multiplier test, the selected model was a random effects model. The results showed that all five variables simultaneously had a significant effect on poverty levels, with a coefficient of determination of 0.550. Partially, only the average years of schooling had a negative and significant effect: every one-year increase in the average years of schooling reduced the percentage of the poor by 2.86 percentage points. Rice production, domestic tourist travel, LFPR, and capital expenditure did not have a significant effect. These findings indicate that poverty reduction in West Nusa Tenggara during the study period was more determined by human capital than by the performance of the two leading regional sectors, so tourism and agricultural policies need to be designed so that their benefits reach the poorer population.