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All Journal Jurnal Ekonomi Manajemen Sistem Informasi Convergence : The Journal of Economic Development Jurnal Darma Agung East Asian Journal of Multidisciplinary Research (EAJMR) Indonesian Journal of Business Analytics (IJBA) Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal AGRISEP: Kajian Masalah Sosial Ekonomi Pertanian dan Agribisnis
Benardin, Benardin
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ANALYSIS OF RISK-TAKING POLICY CHANNEL ON INDONESIAN BANKING Ramadhan, Ferdy Gerry; Benardin, Benardin
JURNAL DARMA AGUNG Vol 32 No 2 (2024): APRIL
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat Universitas Darma Agung (LPPM_UDA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46930/ojsuda.v32i2.4330

Abstract

The purpose of this study is to explore how monetary policy influences the risk-taking of banks their performance in Indonesia. The study measures the risk-taking policy channel, which is the way that monetary policy affects the risk preferences and actions of banks. The study uses five indicators: ROA, FDR, BOPO, NPL, and M2. The study applies VECM to examine the data from 2010 to 2021. The findings reveal that Variables ROA, FDR AND BOPO have short-run and ROA, NPL, M2, and FDR correlated with each other in the long run. The findings also show BOPO is only significantly correlated with M2 in the long run. This means that loose monetary policy lowers the profitability, liquidity, and efficiency of banks, and raises the credit risk. The study recommends that monetary policymakers should take into account the risk-taking of banks when setting monetary policy, and that banks should handle their risks carefully to sustain their performance.
PENGARUH DANA DESA DAN INFRASTRUKTUR TERHADAP KETIMPANGAN PENDAPATAN ANTAR PULAU JAWA DAN SUMATERA Benardin, Benardin; Anitasari, Merri
Convergence: The Journal of Economic Development Vol.5 No.2 (2023)
Publisher : Universitas Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33369/convergencejep.v5i2.33087

Abstract

This research aims to determine the effect of village fund and infrastructure variables on income inequality between provinces on the islands of Java and Sumatera. This research uses a quantitative descriptive method, the data used is secondary data, from 2015 - 2021, with a Panel Data regression model analysis tool. Based on the results of research and data processing, the panel data regression results with the best model are the Fixed Effect model, where the village fund variables, national and provincial road infrastructure conditions, electrification ratio and rural household cell phone ownership together have a significant influence on reducing income inequality between provincial governments on the islands of Java and Sumatera. The results of partial statistical tests show that only the rural household cell phone ownership variable has no significant effect in reducing inequality in income distribution between provincial governments on the islands of Sumatera and Java. The implication of this research is that the government must be able to increase the allocation of village funds in the future, prioritize programs and activities for road construction and maintenance so that the quality of the roads is always in good condition and build new roads that produce production. central areas as well as opening village isolation and expanding the reach of electricity services as well as providing Base Transceiver Stations (BTS) to remote villages so that the electrification ratio and use of cellular telephones increases. Keywords: Gini Index, Village Funds, Infrastructure   Abstrak Penelitian ini bertujuan untuk mengetahui pengaruh variabel dana desa dan infrastruktur terhadap ketimpangan pendapatan antar provinsi di pulau Jawa dan Sumatera. Penelitian ini menggunakan metode deskriptif kuantitatif, data yang digunakan adalah data sekunder, dari tahun 2015 - 2021, dengan alat analisis model regresi Panel Data. Berdasarkan hasil penelitian dan pengolahan data, hasil regresi data panel dengan model terbaik adalah model Fixed Effect, dimana variabel dana desa, kondisi infrastruktur jalan nasional dan provinsi, rasio elektrifikasi dan kepemilikan ponsel rumah tangga pedesaan bersama-sama memiliki pengaruh yang signifikan dalam mengurangi ketimpangan pendapatan antara pemerintah provinsi di pulau Jawa dan Sumatera. Hasil uji statistik parsial menunjukkan bahwa hanya variabel kepemilikan ponsel rumah tangga pedesaan yang tidak berpengaruh signifikan dalam mengurangi ketimpangan distribusi pendapatan antara pemerintah provinsi di pulau Sumatera dan Jawa. Implikasi dari penelitian ini adalah pemerintah harus dapat meningkatkan alokasi dana desa ke depannya, memprioritaskan program dan kegiatan pembangunan dan pemeliharaan jalan agar kualitas jalan selalu dalam kondisi baik dan membangun jalan baru yang menghasilkan produksi. daerah pusat serta membuka isolasi desa dan memperluas jangkauan layanan kelistrikan serta menyediakan Base Transceiver Station (BTS) ke desa-desa terpencil sehingga rasio elektrifikasi dan penggunaan telepon seluler meningkat.  Kata Kunci: Indeks Gini, Dana Desa, Infrastruktur
The Impact of Digital Payments on Shopping Culture in the Community of Bengkulu City Alghaffaru, Muhammad Atha; Benardin, Benardin
East Asian Journal of Multidisciplinary Research Vol. 3 No. 1 (2024): January 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/eajmr.v3i1.7345

Abstract

This research aims to delve into the impact of digital payment usage on the shopping patterns of the community in Bengkulu City. The research methodology involves comprehensive surveys and meticulous data analysis to identify changes in shopping behavior associated with the adoption of digital payment technology. The results indicate that the significant implementation of digital payments modifies the shopping habits of the community, stimulates efficiency in transactions, and provides a higher level of convenience. The study not only provides an understanding of the shift in shopping practices but also offers a profound insight into the cultural transformation of shopping triggered by financial technological changes
Pengaruh Dana Desa Dan Infrastruktur Terhadap Ketimpangan Pendapatan Perdesaan Antar Provinsi Di Sumatera Bagian Selatan Hutapia; Izharudin, Izharudin; Benardin, Benardin
Jurnal AGRISEP JURNAL AGRISEP VOL 22 NO 01 2023 (MARCH)
Publisher : Badan Penerbitan Fakultas Pertanian, Universitas Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (561.621 KB) | DOI: 10.31186/jagrisep.22.01.165-180

Abstract

The purpose of this study was to determine the effect of village funds and infrastructure on income inequality between provincial governments in Southern Sumatera. This study uses a panel data regression model, the data used are secondary data from 2015 to 2020. The data used in this study are time series data obtained from Badan Pusat Statistik (BPS), Ministry of Finance, Ministry of Public Works and Housing People (PUPR) and other related agencies. Based on research and data processing, the best panel data regression model is the fixed effect model. The results of the F-statistical test show that the variables of village funds, road infrastructure, electricity ratios, and cellular telephone ownership jointly reduce income inequality between villages between provincial governments in Southern Sumatera significantly. Meanwhile, based on the statistical results of the t-test, only household cell phone ownership has no significant effect on rural income inequality.
PENGARUH INFRASTRUKTUR PUBLIK TERHADAP PDRB PER KAPITA TAHUN 2013-2022 Zulhija, Shela Rahmat; Benardin, Benardin
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 9 No 1 (2025): Edisi Januari - April 2025
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v9i1.4954

Abstract

Peningkatan Produk Domestik Regional Bruto per kapita secara keseluruhan difasilitasi oleh infrastruktur publik. Pembangunan infrastruktur harus merata di setiap provinsi di Indonesia bukan hanya terfokus di pulau jawa. Studi ini akan mengkaji bagaimana infrastruktur Indonesia seperti listrik , air bersih, telepon, jumlah sekolah, PMDN, PMA dan IPM mempengaruhi Produk Domestik Regional Bruto per kapita. Selain itu penelitian ini menganalisis provinsi-provinsi yang memiliki infrastruktur yang memadai dan belum memadai, namun belum mengalami peningkatan Produk Domestik Bruto per kapita. Serta menganalisis faktor lain yaitu Investasi dan IPM yang mungkin akan mempengaruhi PDRB per kapita. Penelitian ini menggunakan pendekatan kuantitatif dalam melihat hasil yang akan dianalisis dengan uji regresi data panel melalui alat uji Eviews 12. Hasil penelitian ini secara simultan menunjukkan variabel listrik, air, jumlah sekolah telepon, PMDN, PMA, IPM dan tenaga kerja mempunyai dampak positif signifikan dalam meningkatkan PDRB kapita antar provinsi di Indonesia. Variabel air, PMDN, PMA, dan IPM didapatkan hasil bahwa memiliki pengaruh positif signifikan terhadap PDRB per kapita. Sedangkan variabel listrik, telepon dan tenaga kerja berpengaruh negatif signifikan pada PDRB per kapita dan PDRB per kapita tidak dipengaruhi oleh jumlah sekolah.
Pengaruh Keamanan, Kemudahan Dan Perilaku Konsumen Terhadap Keputusan Penggunaan Dompet Digital Dana Di Kota Bengkulu Wulan Dwita Sari; Benardin, Benardin
Jurnal Ekonomi Manajemen Sistem Informasi Vol. 6 No. 2 (2024): Jurnal Ekonomi Manajemen Sistem Informasi (November - Desember 2024)
Publisher : Dinasti Review

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jemsi.v6i2.3415

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh keamanan, kemudahan, dan perilaku konsumen terhadap keputusan penggunaan dompet digital DANA di Kota Bengkulu, baik seccara parsial maupun simultan Pesatnya perkembangan teknologi digital telah mendorong pertumbuhan penggunaan dompet digital di Indonesia, termasuk di Kota Bengkulu. Penelitian menggunakan pendekatan kuantitatif dengan jenis penelitian deskriptif Sampel penelitian terdiri dari 100 responden pengguna aktif DANA di Kota Bengkulu yang dipilih menggunakan metode purposive sampling. Pengumpulan data dilakukan melalui kuesioner online dengan skala Likert 5 poin. Analisis data menggunakan regresi linear berganda dengan bantuan, SPSS versi 26.0. Hasil penelitian menunjukkan bahwa secara parsial, keamanan berpengaruh positif signifikan (t-hitung 2,715 > t-tabel 1,985) terhadap keputusan penggunaan DANA. Kemudahan juga berpengaruh positif signifikan (t-hitung 3,813 > t-tabel 1,985), demikian pula dengan perilaku konsumen (t-hitung 3,096 t-tabel 1,985). Secara simultan, ketiga variabel independen berpengaruh signifikan terhadap keputusan penggunaan DANA, dibuktikan dengan nilai F-hitung (121,352) > F-tabel (2,70). Koefisien determinasi (R) sebesar 0,791 menunjukkan bahwa 79.1% variasi keputusan penggunaan DANA dapat dijelaskan oleh ketiga variabel independen, sedangkan sisanya dipengaruhi oleh faktor-faktor lain di luar penelitian. Temuan ini mengindikasikan pentingnya peningkatan aspek keamanan, kemudahan penggunaan, dan pemahaman perilaku konsumen dalam pengembangan layanan dompet digital.
Analysis of Factors Affecting Poverty in Maluku Province 2011-2022 Siregar, Vina Estetica; Benardin, Benardin
Indonesian Journal of Business Analytics Vol. 3 No. 6 (2023): December 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijba.v3i6.6483

Abstract

This study aims to examine the effect of Capital Expenditure, Regional Original Revenue (PAD), Population, and Products Gross Regional Domestic Product (GRDP) to poverty rates in regions and cities in Maluku Province during 2011-2022. This research utilizes secondary data sourced from the Directorate General of Fiscal Balance Finance of the Republic of Indonesia and the Central Bureau of Statistics. The analysis method applied in this research is panel data regression analysis. The results of this study indicate that PAD, population, and GRDP have a significantly negative effect on poverty. On the other hand, capital expenditure has a positive effect on poverty, but it is not statistically significant.
Co-Authors Alghaffaru, Muhammad Atha Hutapia Izharudin Izharudin, Izharudin Merri Anitasari, Merri Ramadhan, Ferdy Gerry Siregar, Vina Estetica Wulan Dwita Sari Zulhija, Shela Rahmat