Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
P-Index
This Author published in this journals
All Journal Jurnal Ekonomi, Manajemen, Akuntansi Jurnal Ilmiah Ekonomi dan Manajemen Indonesia
Arfiando Sebayang, Karuniana Dianta
Unknown Affiliation
Economics, Econometrics & Finance Social Sciences

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Pengaruh Kebijakan Pemerintah dan Pendidikan Kewirausahaan terhadap Intensi Berwirausaha Pesantren melalui Literasi Ekonomi di Indonesia Ilmi, Muhammad Rosikhul; Arfiando Sebayang, Karuniana Dianta; Riswandi, Riswandi
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 5: Juli 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i5.9432

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kebijakan pemerintah dan pendidikan kewirausahaan terhadap intensi berwirausaha di kalangan pesantren di Indonesia, dengan literasi ekonomi sebagai variabel mediasi. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei terhadap pesantren penerima program Kemandirian Pesantren dari Kementerian Agama RI di seluruh Indonesia. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan Smart-PLS 4.0. Hasil penelitian menunjukkan bahwa baik kebijakan pemerintah maupun pendidikan kewirausahaan memiliki pengaruh signifikan terhadap intensi berwirausaha pesantren. Selain itu, literasi ekonomi terbukti memediasi hubungan tersebut. Temuan ini menegaskan pentingnya sinergi antara kebijakan publik, pendidikan kewirausahaan, dan penguatan literasi ekonomi untuk mendorong kemandirian ekonomi pesantren.
Pengaruh Indeks Produksi Industri, Suku Bunga BI Rate dan Capital Adequacy Ratio Terhadap Non Performing Loan pada Industri Perbankan Indonesia Periode 2017–2024 Ramadan Harahap, Adam; Wiralaga , Harya Kuncara; Arfiando Sebayang, Karuniana Dianta
Jurnal Ilmiah Ekonomi dan Manajemen Indonesia Vol. 2 No. 1 (2026): JANUARI -JUNI
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/nwp4bm17

Abstract

This study aims to analyze the effect of the Industrial Production Index (IPI), BI Rate, and Capital Adequacy Ratio (CAR) on Non-Performing Loans (NPL) in the Indonesian banking sector during the period 2017–2024. NPL is one of the key indicators used to assess credit quality and the stability of the banking sector. An increase in the NPL ratio may elevate systemic risk and potentially disrupt overall financial system stability. Changes in macroeconomic conditions and internal banking factors are assumed to play a role in influencing the level of NPL; therefore, empirical analysis is required to better understand these relationships.This study employs a quantitative approach using monthly time series data obtained from official publications of Bank Indonesia, Statistics Indonesia (BPS), the Financial Services Authority (OJK), and CEIC Data. The analytical method used is multiple linear regression with the assistance of SPSS software. Prior to model estimation, the data were tested using descriptive statistics, stationarity tests, classical assumption tests, and outlier treatment to ensure the validity and reliability of the model. The results indicate that the Industrial Production Index (IPI) has a positive but insignificant effect on NPL. Meanwhile, the BI Rate has a negative and significant effect on NPL, indicating that interest rate policy is associated with banking credit quality. In addition, the Capital Adequacy Ratio (CAR) is found to have a positive and significant effect on NPL, suggesting that higher bank capital is associated with increased exposure to credit risk. Based on these findings, it can be concluded that external factors such as monetary policy and internal banking factors play a role in influencing NPL, although not all variables show a significant effect. However, simultaneously, the three variables have a significant effect on NPL. This study is expected to contribute to the development of literature in the banking sector and serve as a reference for relevant stakeholders in maintaining financial system stability.
Co-Authors Ilmi, Muhammad Rosikhul Ramadan Harahap, Adam Riswandi Riswandi Wiralaga , Harya Kuncara