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All Journal Niqosiya: Journal of Economics and Business Research Jurnal Akuntansi Keuangan dan Bisnis
Andini Kusumawardhani
Diponegoro University
Economics, Econometrics & Finance Social Sciences

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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.  
The Role of Human Capital in Regional Economic Growth: Evidence from Central Java- Indonesia Andini Kusumawardhani
Niqosiya: Journal of Economics and Business Research Vol. 5 No. 1 (2025): January-June 2025
Publisher : Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/niqosiya.v5i1.4652

Abstract

Human Capital is one of the most powerful support factors for economic performance of a region. Central Java is one of provinces in Indonesia that has high quality human resources with a high Human Development Index (HDI). Programs to improve the quality of human resources in Central Java province need to be encouraged to further support national growth and economic equality for all people. This study uses multiple linear regression using panel data to analyze the simultaneous relationship between several indicators of human capital to economic growth more comprehensively and measure the effect of each independent variable on district/city economic growth of 35 cities and regencies in Central Java Province during 2011 - 2024 period. These findings robustly support endogenous growth theory, that human capital indicators represented by education (expected years of schooling, education expenditure, and literacy) and health (health facilities and life expectancy) have a positive and significant effect on regional economic growth. These results highlight the pivotal role of human capital in enhancing GRDP per capita and support the endogenous growth theory, which emphasizes the importance of internal factors such as knowledge and health in sustaining long-term economic development. As such, regional development policies should prioritize strategic investments in education and healthcare to strengthen human capital and promote inclusive and sustainable growth.
Co-Authors Moh. Najikhul Fajri