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All Journal SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Majapahit Journal of Islamic Finance dan Management Majapahit Journal of Islamic Finance dan Management
Nurul Inayah
Universitas Islam Negeri Sumatera Utara, Medan, Indonesia
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Effect of the Consumer Price Index and GDP on BPRS Assets in Indonesia Sherli Monika; Muhammad Ikhsan Harahap; Nurul Inayah
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.625

Abstract

This study aims to analyze the influence of the Consumer Price Index (CPI) and Gross Domestic Product (GDP) on the assets of Islamic Rural Banks (BPRS) in Indonesia during the 2019–2023 period. Using secondary data obtained from official publications of the Central Statistics Agency (BPS) and the Financial Services Authority (OJK), this research employs a quantitative approach with a causal associative design. After conducting classical assumption tests to confirm the model’s validity, the analysis was performed using multiple linear regression through the EViews 12 software. The research findings indicate that there are no signs of autocorrelation, heteroscedasticity, or multicollinearity, and that the regression model used meets the requirements of normally distributed data. The partial test results (t-test) reveal that the assets of BPRS are not significantly affected by the Consumer Price Index (CPI), but are significantly influenced by the Gross Domestic Product (GDP). The simultaneous test results (F-test) also demonstrate that BPRS assets are significantly affected by both variables simultaneously. These two variables account for 44.03% of the variation in BPRS assets, as indicated by the Adjusted R-Square value of 0.440347; the remaining portion is influenced by factors not included in this research model.
The Effect of the Consumer Price Index and GDP on BPRS Assets in Indonesia Sherli Monika; Muhammad Ikhsan Harahap; Nurul Inayah
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.625

Abstract

This study aims to analyze the influence of the Consumer Price Index (CPI) and Gross Domestic Product (GDP) on the assets of Islamic Rural Banks (BPRS) in Indonesia during the 2019–2023 period. Using secondary data obtained from official publications of the Central Statistics Agency (BPS) and the Financial Services Authority (OJK), this research employs a quantitative approach with a causal associative design. After conducting classical assumption tests to confirm the model’s validity, the analysis was performed using multiple linear regression through the EViews 12 software. The research findings indicate that there are no signs of autocorrelation, heteroscedasticity, or multicollinearity, and that the regression model used meets the requirements of normally distributed data. The partial test results (t-test) reveal that the assets of BPRS are not significantly affected by the Consumer Price Index (CPI), but are significantly influenced by the Gross Domestic Product (GDP). The simultaneous test results (F-test) also demonstrate that BPRS assets are significantly affected by both variables simultaneously. These two variables account for 44.03% of the variation in BPRS assets, as indicated by the Adjusted R-Square value of 0.440347; the remaining portion is influenced by factors not included in this research model.
Effectiveness of the implementation of the rice farming insurance program in Deli Serdang regency: An Islamic perspective Muhammad Bima Nugraha; Nurul Inayah; Muhammad Ikhsan Harahap
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol. 8 No. 2 (2026)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study analyzes the effectiveness of the Rice Farming Insurance Program (AUTP) in Durian Village, Deli Serdang Regency, from an Islamic economics perspective. Using a qualitative descriptive approach and purposive sampling of ten informants, including farmers and agricultural extension workers, data were gathered through interviews, observations, and documentation. The findings indicate that AUTP's effectiveness is hindered by issues such as target accuracy, limited program awareness, and inadequate monitoring. Many tenant farmers are excluded due to administrative requirements, while uneven information dissemination and delayed claim settlements diminish the value of compensation. These challenges suggest that AUTP does not fully embody the Islamic principles of justice, mutual assistance, public welfare, and the protection of wealth, life, and intellect. This study integrates program effectiveness analysis with Islamic economic principles, providing a useful framework for improving agricultural insurance policies to protect vulnerable farmers better. Public Interest Statement: The findings highlight that unequal access to information, technological barriers, and delays in claim disbursement hinder the effectiveness of agricultural insurance programs. The study calls for more inclusive policies, simplified procedures, and stronger institutional support. It also stresses integrating Islamic economic values such as justice, mutual assistance, public welfare, and wealth protection into these policies. Ultimately, the research aims to enhance farmer welfare, bolster rural resilience, and promote sustainable agricultural development in Indonesia.
Co-Authors Muhammad Bima Nugraha Muhammad Ikhsan Harahap Sherli Monika