Erni Panca Kurniasih
Universitas Tanjungpura, Pontianak, Indonesia

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The Effect of Central Government Assistance, Programme Implementation Quality, and Financial Behaviour on the Welfare of Beneficiary Families in Sambas Regency An Am Alhamzi; Erni Panca Kurniasih
SOUTHEAST ASIA JOURNAL oF GRADUATE OF ISLAMIC BUSINESS AND ECONOMICS Vol. 4 No. 3 (2026): January
Publisher : Pascasarjana, Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/sajgibe.v4i3.4545

Abstract

This study aims to analyze the effect of Central Government Assistance, program implementation quality, and financial behavior on the welfare of beneficiary families in Sambas Regency. The research method used is a quantitative approach with Structural Equation Modeling-Partial Least Squares (SEM-PLS). The population of the study includes all BPP recipient families in Sambas Regency, with samples taken using two-stage cluster sampling. Primary data were collected through Likert-scale questionnaires, and secondary data were obtained from the Sambas Social Service. The analysis results show that Central Government Assistance, program implementation quality, and financial behavior positively and significantly affect beneficiary families' welfare.
The Impact of Macroeconomic Indicators on the Movement of Third-Party Funds at Bank Kalbar Teddy Wahyudi; Erni Panca Kurniasih
SOUTHEAST ASIA JOURNAL oF GRADUATE OF ISLAMIC BUSINESS AND ECONOMICS Vol. 5 No. 2 (2026): September
Publisher : Pascasarjana, Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/sajgibe.v5i2.5523

Abstract

Third Party Funds (TPF) represent the primary funding source in the banking industry and play an essential role in supporting financial intermediation. The ability of banks to collect public funds is influenced by internal and external factors, including macroeconomic conditions. This study aims to analyze the influence of macroeconomic indicators, namely BI-Rate and inflation, on the movement of Third Party Funds at Bank Kalbar. This study employed a quantitative approach using the Vector Autoregression (VAR) method. Secondary quarterly time-series data from January 2013 to September 2025 were collected from Bank Kalbar publications, Bank Indonesia reports, and Statistics Indonesia. Analytical procedures included stationarity testing, optimal lag determination, cointegration testing, and VAR estimation. The results indicate that all variables achieved stationarity at the first difference level (I(1)) and demonstrated long-term relationships. Findings suggest that BI-Rate and inflation are associated with the movement of Third Party Funds at Bank Kalbar. Therefore, fund mobilization strategies should consider macroeconomic developments to maintain sustainable growth.