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All Journal JEJAK JIET (Jurnal Ilmu Ekonomi Terapan) JDE (Journal of Developing Economies) Jurnal Muara Ilmu Ekonomi dan Bisnis JURNAL KESEHATAN SAMODRA ILMU Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Ekonomi dan Pembangunan Indonesia Jurnal Pengabdian Kepada Masyarakat: Dimastika
Wibowo, Wisnu
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THE DETERMINANTS FACTORS OF PROFITABILITY ISLAMIC BANK IN INDONESIA Purwasih, Herawati; Wibowo, Wisnu
Jurnal Muara Ilmu Ekonomi dan Bisnis Vol 5, No 1 (2021): Jurnal Muara Ilmu Ekonomi dan Bisnis
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmieb.v5i1.10023

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui faktor yang mempengaruhi pertumbuhan dari profitabilitas bank syariah di Indonesia. Penelitian ini menggunakan pendekatan kuantitatif dengan metode Autoregressive Distributed Lag (ARDL). Data yang digunakan adalah data bulanan variabel makroekonomi dan variabel perbankan periode Januari 2006 – Desember 2019. Variabel makroekonomi yang digunakan adalah Industrial Production Index, Inflasi, Nilai Tukar Rupiah terhdap dollar, suku bunga. Sedangkan variabel perbankan yang digunakan adalah Capital Adequacy Ratio, Non Performing Financing, Financing to Deposite Ratio, Biaya Operational dan Pendapatan Operational, serta variabel return on asset. Hasil dari penelitian ini adalah dalam jangka pendek hanya variabel Nilai Tukar, Biaya Operational dan Pendapatan Operational serta Non Performing Financing yang berpengaruh terhadap Return on Asset. Variabel Industrial Production Index, Inflasi, suku bunga, Capital Adequacy Ratio, dan Financing to Deposite Ratio tidak berpengaruh terhadap return on asset dalam jangka pendek. Kemudian dalam jangka panjang hasilnya sama yaitu hanya variabel Nilai Tukar, Biaya Operational dan Pendapatan Operational serta Non Performing Financing yang berpengaruh terhadap Return on Asset. Variabel Industrial Production Index, Inflasi, suku bunga, Capital Adequacy Ratio, dan Financing to Deposite Ratio juga tidak berpengaruh terhadap return on asset dalam jangka panjang. Variabel nilai tukar merupakan variabel yang paling berpengaruh dalam jangka pendek maupun jangka panjang terhadap profitabilitas of Islamic bank.  Dengan demikian penelitian ini diharapkan bisa membantu perbankan syariah dalam menganalisa faktor yang mempengaruhi profitabilitas perbankan syariah di Indonesia.  The purpose of this research is to find out the determinant factors that the growth of Islamic bank profitability in Indonesia. This research uses a quantitative approach with the Autoregressive Distributed Lag (ARDL) method. The data used is monthly data of macroeconomic variables and banking variables for the period January 2006 – December 2019. Macroeconomic variables used are the Industrial Production Index, Inflation, Rupiah Exchange Rate with the dollar, interest rate. While the banking variables used are Capital Adequacy Ratio, Non-Performing Financing, Financing to Deposit Ratio, Operational Cost and Operational Income, as well as variable return on assets. The result of this study is that in the short term only variable Exchange Rates, Operational Costs, and Operational Income and Non-Performing Financing affect Return on Assets. Variable Industrial Production Index, Inflation, interest rates, Capital Adequacy Ratio, and Financing to Deposite Ratio have no effect on return on assets in the short term. Then in the long run the result is the same is that only variable Exchange Rates, Operational Costs, and Operational Income and Non-Performing Financing affect the return on assets. Variable Industrial Production Index, Inflation, interest rates, Capital Adequacy Ratio, and Financing to Deposite Ratio also have no effect on return on assets in the long term. Exchange rate variables are the most influential variables in the short and long term on the profitability of Islamic banks. Thus, this research is expected to assist Sharia banking in analyzing factors that affect the profitability of Sharia banking in Indonesia.
Determinants of Regional Household Final Consumption Expenditure in Indonesia Sugiarto, Sugiarto; Wibowo, Wisnu
JEJAK: Jurnal Ekonomi dan Kebijakan Vol 13, No 2 (2020): September 2020
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jejak.v13i2.25736

Abstract

The Indonesian economy, both at the national and regional levels, tended to experience a slowdown during 2010-2019. From the demand side, household final consumption expenditure (HFCE) is the primary cause of the slowdown. Therefore, various efforts are needed to maintain and improve HFCE. One of these efforts is to keep the stability of the macroeconomic factors that influence it. This research aims to reveal the determinants of regional HFCE in Indonesia. The determinants of HFCE were investigated using a dynamic panel data regression model with the first-difference Generalized Method of Moments (FD-GMM) approach and applied to data from 33 provinces during 2010-2019. The application of FD-GMM provides valid and consistent estimates. The results of the parameter significance test provide evidence that the lagged real HFCE, real gross regional domestic product (GRDP), and government spending have a significant positive impact on real HFCE. Meanwhile, both the inflation and unemployment rates had significantly negatively impacted. Thus, the role of policymakers in maintaining the stability of the five macroeconomic factors is necessary so that HFCE increases and the economy can grow even higher.
Kerentanan Perbankan di Indonesia: Pengukuran dan Penyebabnya Wibowo, Wisnu; Zakaria, Amir Ambyah
Jurnal Ekonomi dan Pembangunan Indonesia Vol. 21, No. 1
Publisher : UI Scholars Hub

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

Abstract

This study aims to identify banking vulnerabilities and analyze the factors that influence them. The tool used to identify bank vulnerabilities uses modification crisis and default index (C&D Index) while hypothesis testing uses logit regression. Commercial banks in Indonesia from 2008 to 2018 was taken as sample. As a result, in 2008 and 2013 were the most vulnerable conditions for banks in Indonesia. The reason most banks have been identified as vulnerable is due to decreased profits, increased liabilities in foreign currencies and increased Non Performing Loan (NPL). Logit regression test show that banking fragility is negatively related to capital, liquid assets, and financial assets.
PENGARUH KEBIJAKAN MONETER TERHADAP PERTUMBUHAN EKONOMI Budiyanto, Very; Wibowo, Wisnu

Publisher :

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (74.802 KB) | DOI: 10.31955/mea.v5i1.876

Abstract

This study investigates the effect of monetary policy on economic growth in Indonesia. Gross Domestic Product (GDP) is used as the dependent variable on the explanatory variables of monetary policy: inflation, money supply (M2), exchange rates and interest rates”.Time series data are from 1986 to 2019. This study adopts the Ordinary Least Squared (OLS) technique.”The results showed that inflation has a significant and negative effect on economic growth in Indonesia, the money supply (M2) and the exchange rate are significant variables affecting economic growth in Indonesia”. Meanwhile, interest rates do not have a significant and negative effect on economic growth in Indonesia
PENGARUH MOTIVASI TERHADAP KINERJA PADA TENAGA KERJA DI STIKES X DI YOGYAKARTA Ahmad, Aulia Ikhsan Gafar; Wibowo, Wisnu
Jurnal Kesehatan Samodra Ilmu (JKSI) Vol 11 No 2 (2020): JURNAL KESEHATAN SAMODRA ILMU (JKSI)
Publisher : LPPM Sekolah Tinggi Ilmu Kesehatan Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (267.415 KB) | DOI: 10.55426/jksi.v11i2.114

Abstract

ABSTARTCT Staff performance is so important for a new organization because it will help the orgaization to growing bigger and better organization. However, high staff performance is not an easy task because it would need a high motivation staff to show their best effort to finished their work. Therefore, the aim of this study is to examine the influence of motivation to staff performance of STIKes X. The method used in this research is quantitative method by using simple linear regression. Data was obtained from 33 respondents of STIKes X by using questionnare. The sampling technique used in this research is saturated samples. The result of this research shows that motivation has significant influence to staff performance (3,862 > 2,039 and 0,001 < 0,05) with coefficient of determination is 32,5%.
The Effect of Interest Rates and Inflation on Economic Growth in ASEAN-5 Countries Purnomo, Dewi Karina; Wibowo, Wisnu
Journal of Developing Economies Vol. 9 No. 2 (2024)
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jde.v9i2.52413

Abstract

This study aims to empirically test the effect of interest rates and inflation on economic growth, with gross capital formation as a control variable. This research uses panel data from 5 ASEAN countries, namely Indonesia, Malaysia, the Philippines, Singapore, and Thailand in 2004 – 2021 and was tested using the Random Effect Model (REM) analysis technique. The results of this study explain that interest rates and inflation have a simultaneous effect on economic growth. Another finding from this study is that interest rates have a significantly negative effect on economic growth and inflation has a significant positive effect on economic growth. However, this study is subject to several limitations. First, it solely focuses on ASEAN-5 countries, thus limiting the generalizability of the findings to other developed and developing nations. Second, the study’s reliance on annual data from 2004 to 2021 excludes more recent data, potentially overlooking current economic trends. Third, the static panel method utilized with the REM analysis only provides a broad overview of the relationships between interest rates, inflation, and economic growth, lacking deeper insights into long-term and short-term dynamics. Fourth, while the study covers the period including the COVID-19 pandemic, it fails to thoroughly explore its impact and provide detailed explanations. Thus, future research should consider expanding the scope beyond ASEAN-5, incorporating more recent data, employing dynamic panel methods, and thoroughly investigating the implications of significant events such as the COVID-19 pandemic on the examined relationships.
The Effect of Monetary Policy on Unemployment Rate in Indonesia Mahadika, Hafiansyah; Wibowo, Wisnu
Jurnal Ilmu Ekonomi Terapan Vol. 6 No. 1 (2021)
Publisher : Department of Economics, Faculty of Economics and Business, Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jiet.v6i1.27100

Abstract

This study aims to determine the influence of monetary policy on the unemployment rate in Indonesia. Unemployment is one of the fundamental problems in the economy. The unemployment problem can be overcome by monetary policy. This study used time series data with the period 1975-2016 using real money demand, economic growth, real interest rates, and real exchange rates as independent variables, and the unemployment rate as the dependent variable. The data used in this study is secondary data obtained from the World Bank. The method used is ARDL (Autoregressive Distributed Lag) which can change a static economic theory to be dynamic by taking into account the role of time explicitly. The results show that in the long run the probability value of the economic growth variable is below the 5% significance level which indicates that economic growth had a negative and significant effect on the unemployment rate. In the short run, the real interest rate, the real interest rate at lag 1, economic growth at lag 1 and lag 3, and the real exchange rate at lag 1 had a negative and significant effect on the unemployment rate. This indicates that the impact of monetary policy on the unemployment rate is temporary.Keywords: Unemployment Rate, Monetary Policy, ARDL.JEL : E24, E52, E61.
The Effect of Financial Development on Economic Growth Countries ASEAN-4 Millah, Rizka Lailatul; Wibowo, Wisnu
Jurnal Ilmu Ekonomi Terapan Vol. 6 No. 2 (2021)
Publisher : Department of Economics, Faculty of Economics and Business, Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jiet.v6i2.29407

Abstract

This study aims to determine the effect of financial development on economic growth in ASEAN-4 during 1999-2018. This study uses the regression method and panel approaches using the Fixed Effect Model method. This research uses the FEM quantitative method and uses a stata 13 estimation tool. The panel data regression results in this study indicated that financial development has a positive relationship with economic growth. This is evident from the three financial development proxies, which have a positive correlation with economic growth domestic credit to private sector, money broad variables, market capitalization and degree of openness to reflect the real sector. Keywords: Financial Development, Degree of Openness, Economic GrowthJEL : G2, O11, O16
Penerapan Metode dan Strategi Pembelajaran di Lembaga Pendidikan Keagamaan di MA NU 05 Kecamatan Gemuh Kabupaten Kendal Kurniyah; Wibowo, Wisnu; Khakim, M.Dani; Hayati, Arina Hakikiyatal; Mahbubah, Anis Salsa; Miladianur; Budi, Yusuf Setia
Jurnal Pengabdian Kepada Masyarakat Vol 4 No 2 (2025): JURNAL PENGABDIAN KEPADA MASYARAKAT: DIMASTIKA
Publisher : LPPM Sekolah Tinggi Islam Kendal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62509/jpkm.v4i2.262

Abstract

Pendidikan agama memiliki peran penting dalam membentuk karakter anak sejak usia dini sampai jenjang pendidikan MA/SMA Sederajat. Selain pendidikan nonformal, pendidikan formal seperti Madrasah Aliyah (MA) berkontribusi dalam membangun pemahaman keagamaan anak. Namun, pembelajaran di Madrasah Aliyah sering kali menghadapi tantangan dalam metode dan strategi pengajaran yang kurang variatif, sehingga murid-murid mudah bosan. Oleh karena itu, diperlukan peningkatan kualitas pengajaran melalui metode yang inovatif dan strategi yang tepat. Penelitian ini dilakukan dalam bentuk Praktik Pengalaman Lapangan (PPL) DI MA NU 05 GEMUH , Kecamatan Gemuh, Kabupaten Kendal. Metode yang digunakan adalah ceramah dan tanya jawab, dengan evaluasi pemahaman peserta sebelum dan sesudah pelatihan. Hasilnya menunjukkan peningkatan signifikan dalam pemahaman strategi dan metode pembelajaran dari 40% sebelum pelatihan menjadi 80% setelahnya. Selain itu, partisipasi aktif peserta dalam diskusi mencapai 70%. Seminar ini berhasil meningkatkan pemahaman murid dalam pembelajaran yang lebih menarik dan efektif, sehingga dapat meningkatkan kualitas pendidikan keagamaan di Madrasah.
Financial Inclusion and Income Inequality in Asia: A Quantile Panel Analysis Rosalina, Linda; Wibowo, Wisnu
Journal of Developing Economies Vol. 10 No. 2 (2025)
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jde.v10i2.73105

Abstract

Objective: This empirical study investigates the heterogeneous impact of financial inclusion on income inequality across the economically and institutionally diverse Asian region. Specifically, it examines how the effect of financial inclusion varies across different segments (quantiles) of the inequality distribution, a dimension largely unexplored by prior research.Methods: Utilizing an annual panel dataset spanning 29 Asian countries from 2010 to 2022, the study employs the Panel Quantile Fixed Effect model. This robust econometric approach is selected to effectively control for unobserved country-specific heterogeneity and to address the non-normal, outlier-prone nature typical of income inequality data. Analysis is focused on the lower (Q10), median (Q50), and upper (Q90) quantiles.Findings: Estimation results consistently demonstrate that financial inclusion significantly reduces income inequality across all tested quantiles (Q10 ,Q50, Q90), with statistical significance maintained across the board (e.g., Q10: p=0.031, : Q90:p=0.059). The most substantial mitigating impact is identified at the median quantile (Q50), exhibiting a large negative coefficient of -4.9404 (p=0.000). This key finding suggests that FI is most effective in countries characterized by moderate levels of inequality. Among the control variables, trade openness significantly exacerbates inequality at the Q50 level, while other macroeconomic factors are generally insignificant.Originality: The primary novelty lies in the application of the Panel Quantile Fixed Effect method to a broad 29-country Asian sample to precisely capture FI’s differentiated impact. By providing nuanced, quantile-specific estimations, this research significantly advances beyond conventional mean-based studies (such as OLS and GMM), confirming that financial inclusion’s role in inequality reduction is heterogeneous and conditional on a country’s initial inequality level.Policy implication: These findings underscore the critical need for adaptive, non-uniform financial inclusion policies. Policymakers in Asia must tailor their financial inclusion strategies—including the types of services offered—based on the specific level of inequality they currently confront. This targeted approach is essential to maximizing the effectiveness of financial inclusion in promoting sustainable income equality.
Co-Authors Ahmad, Aulia Ikhsan Gafar Budi, Yusuf Setia Budiyanto, Very Hayati, Arina Hakikiyatal Khakim, M.Dani Kurniyah Mahadika, Hafiansyah Mahbubah, Anis Salsa Miladianur Millah, Rizka Lailatul Purnomo, Dewi Karina PURWASIH, HERAWATI Rosalina, Linda Sugiarto S Zakaria, Amir Ambyah