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All Journal Jurnal Keuangan dan Perbankan MANAJEMEN DEWANTARA Society
Purnama, Muhammad Yusuf Indra
Department Of Economics Development, Faculty Of Economics And Business, Universitas Sebelas Maret Jl. Ir. Sutami No.36A Surakarta, 57126
Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Clustering and regional growth in the housing market: Evidence from Indonesia Ariyanto Adhi Nugroho; Muhammad Yusuf Indra Purnama; Laela Rizki Fauzia
Jurnal Keuangan dan Perbankan Vol 24, No 1 (2020): January 2020
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (855.651 KB) | DOI: 10.26905/jkdp.v24i1.3565

Abstract

The housing market is one of the monetary policy instruments in macro-prudential terms. The overall policy adopted through the Loan-to-Value ratio does not accommodate different regional characteristics. Location and area characteristics are important factors that influence the development of housing property prices. This study uses panel data regression analysis, with objects of 15 cities in Indonesia during 2007-2017. The results of the analysis provide a proof that the building rent, population density, construction costs, Gross Regional Domestic Product, unemployment rate, and minimum income, affect housing prices differently in each growth category, while the LTV ratio and inflation do not have a significant effect onto house prices. The regional economic growth is used to form regional clustering based on the speed of house price growth so that monetary policy in the housing sector achieves the target.JEL Classification: E52, O18, R58 How to Cite:Nugroho, A. A., Purnama, M. Y. I., Fauzia, L. R. (2020). Clustering and regional growth in the housing market: Evidence from Indonesia. Jurnal Keuangan dan Perbankan, 24(1), 83-94.DOI: https://doi.org/10.26905/jkdp.v24i1.3565
LITERASI KEUANGAN DIGITAL UNTUK MENDORONG WIRAUSAHA BERBASIS DIGITAL Nugroho Saputro; Muhammad Yusuf Indra Purnama; Linggar Ikhsan Nugroho; Muh Juan Suam Toro; Putra Pamungkas; Agista Putri Prameswari; Irwan Trinugroho
MANAJEMEN DEWANTARA Vol 7 No 1 (2023): MANAJEMEN DEWANTARA
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26460/md.v7i1.13606

Abstract

Digital-based financial innovation has grown rapidly in recent times along with internet and smartphone penetration. The emergence of fintech and the existence of digital-based innovations carried out by incumbents in the financial services sector, in this case banking, are expected to increase financial inclusion. Furthermore, financial inclusion will encourage the growth of the real sector through increasing new entrepreneurs and also increasing the scale of existing micro and small businesses so that it will ultimately drive economic output growth. However, to achieve this goal, joint efforts are needed to increase the digital financial literacy of the community, especially the younger generation so that digital financial presence can be used for productive activities. This article discusses community service programs within the framework of developing digital financial literacy to encourage the growth of new entrepreneurs and increase the scale of existing micro and small businesses, especially by utilizing technology..
Credit access and happiness: Evidence from Indonesia Muhammad Yusuf Indra Purnama; Siti Aisyah Tri Rahayu; Mulyanto Mulyanto; Johadi Johadi
Jurnal Keuangan dan Perbankan Vol 26, No 3 (2022): JULY 2022
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v26i3.7551

Abstract

The objective of this study is to investigate household credit access and its impact on happiness. We use data from the Indonesia Family Life Survey (IFLS) and employ Ordinary Least Square (OLS) as well as an Ordered Probit approach to test our empirical framework. Our results reveal that per capita expenditure has positively affects the probability of being granted credit, and people in urban communities benefit more from accessing credit than those in rural areas also document that those who successfully obtain credit tend to increase their probability of being happy. We then recommend an improvement in access to credit, particularly for poor people and those who live in rural communities, as an important policy implication. In addition, a better financial capability and financial literacy should be improved continuously to ensure the positive impact of credit on happiness as the ultimate goal in life.
Perhubungan Preferensi Risiko dan Kemiskinan di Indonesia: The Nexus of Risk-Preferences and Poverty in Indonesia Siti Aisyah Tri Rahayu; Mulyanto Mulyanto; Johadi Johadi; Muhammad Yusuf Indra Purnama
Society Vol 11 No 1 (2023): Society
Publisher : Laboratorium Rekayasa Sosial, Jurusan Sosiologi, FISIP Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/society.v11i1.453

Abstract

This research aims to identify the relationship between poverty and risk preference in Indonesia empirically. This research employs the Indonesia Family Life Survey 2014 (IFLS5) using the Ordinary Least Square (OLS) and quantile regression approach, one of the most extended longitudinal data, to support this research design. The result reveals that poor households are more risk-averse than others across income levels. Moreover, poor people are poorly educated and mostly come from rural and disaster-prone areas. This evidence suggests that poor people from rural communities and disaster-prone regions should be prioritized and empowered to move from poverty zones due to their relatively high vulnerability.
Perhubungan Preferensi Risiko dan Kemiskinan di Indonesia Siti Aisyah Tri Rahayu; Mulyanto Mulyanto; Johadi Johadi; Muhammad Yusuf Indra Purnama
Society Vol 11 No 1 (2023): Society
Publisher : Laboratorium Rekayasa Sosial, Jurusan Sosiologi, FISIP Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/society.v11i1.453

Abstract

This research aims to identify the relationship between poverty and risk preference in Indonesia empirically. This research employs the Indonesia Family Life Survey 2014 (IFLS5) using the Ordinary Least Square (OLS) and quantile regression approach, one of the most extended longitudinal data, to support this research design. The result reveals that poor households are more risk-averse than others across income levels. Moreover, poor people are poorly educated and mostly come from rural and disaster-prone areas. This evidence suggests that poor people from rural communities and disaster-prone regions should be prioritized and empowered to move from poverty zones due to their relatively high vulnerability.
Co-Authors Agista Putri Prameswari Aldri Frinaldi Ariyanto Adhi Nugroho Irwan Trinugroho, Irwan Johadi Johadi Johadi Johadi Johadi Johadi Laela Rizki Fauzia Linggar Ikhsan Nugroho Linggar Ikhsan Nugroho Muh Juan Suam Toro Mulyanto Mulyanto Mulyanto Mulyanto Mulyanto Mulyanto Nugroho Saputro Putra Pamungkas Siti Aisyah Tri Rahayu, Siti Aisyah Tri