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Islamic Bank Performance and Macroeconomic Variables During Economic Turbulence Maharani, Dian Putri; Roza, Fhadila; Wijayanti, Feny Gusti; Nopiah, Ririn
Economics, Business, Accounting & Society Review Vol. 3 No. 2 (2024): Economics, Business, Accounting & Society Review
Publisher : International Ecsis Association

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55980/ebasr.v3i2.138

The study aims to analyze the effect of internal and external bank factors on the financial performance of Islamic banks during the Covid-19 pandemic. The external factors or macroeconomic factors consist of BI Rate and Inflation. The internal bank factors used are BOPO (Operating Expenses for Operating Income), CAR (Capital Adequacy Ratio), FDR (Financing to Deposit Ratio), NPF (Non-Performing Financing), and ROA (Return on Assets). A quantitative analysis is applied to assess the research construct by using a panel regression approach. The data used is sourced from Bank Indonesia and the Financial Services Authority for the observation period from 2019 - 2021. The findings show that external factors do not affect ROA in the long run and short run. Meanwhile, the internal factors BOPO and CAR significantly influence ROA, and NPF is having a significant impact only in the long run. The implications of this study show that Islamic banks need to strengthen operational efficiency, maintain capital adequacy, and implement good credit risk management in order to increase profitability sustainably, regardless of external fluctuations such as BI interest rates and inflation.

Climate change, resource degradation, and economic sustainability: A study of key commodity sectors in Southern Sumatra Nopiah, Ririn; Azansyah, Azansyah; Ekaputri, Retno Agustina; Kumara, Bima Prasetya; Prasetya, Bayu Andy; Sunaryo, Sunaryo
Journal of Economics and Business Letters Vol. 5 No. 5 (2025): October 2025
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/jebl.v5i5.782

Climate change is one of the biggest challenges facing the world today. This phenomenon has significantly impacted the degradation of natural resources, posing a serious threat to the agricultural and fisheries sectors, especially in developing countries. Climate change affects the structure of land and water and directly impacts the potential sectors in a region. The primary objective of this study is to quantitatively analyze the impact of climate change on resource degradation across the leading commodity sectors, namely agriculture, plantations, and fisheries in the Southern Sumatra region. This research adopts a mixed-methods approach, integrating multiple regression analysis using regional data from 2015 to 2022 with a Sharing Group Discussion (SGD) component to ensure contextual validation and deeper insights. The findings indicate that six meteorological factors (wind speed, rainfall, solar radiation, air temperature, air pressure, and humidity) significantly influenced degradation within these three crucial sectors. Ultimately, this study offers a forecasting overview of the climate impacts on specific commodity sectors, providing a crucial basis for stakeholders to formulate anticipatory policies, plan appropriate technological adaptation, and implement more effective resource management strategies to address the challenges of climate change.

THE IMPACT OF E-COMMERCE ON INDONESIA ECONOMIC GROWTH: INTERMEDIATION MODELS WITH FINANCIAL TECHNOLOGY CONSTRAINT Nopiah, Ririn; Ekaputri, Retno Agustina; Barika, Barika; Febriani, Ratu Eva
Jurnal REP (Riset Ekonomi Pembangunan) Vol. 9 No. 1 (2024): April 2024
Publisher : Universitas Tidar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31002/rep.v9i1.1216

The COVID-19 pandemic triggered economic shocks that adversely affected the global economy. Economic growth contracted significantly. Restrictions on economic activity trigger people's shopping behavior to switch to non-cash and online systems. E-commerce, as one part of digital economic transformation, has experienced a significant increase which impacts the flow of dissemination of ideas, innovations, and information, thus encouraging economic growth. This study analyzes the Impact of e-commerce on economic growth in Indonesia during the COVID-19 pandemic using intermediation models and fixed effect analysis. The results show that e-commerce negatively and significantly impacts economic growth during 2019 and 2021. Because e-commerce stimulates economic growth in a country but needs to be supported by quality infrastructure, quality broadband internet, online security (cyber security), and digital payment systems (e-payment). The variables of online financing, efficiency of government spending, length of schooling, and number of tourists have a positive and significant effect. Meanwhile, the poverty rate and human development index have a negative and significant effect. In maximizing e-commerce activities in Indonesia, strong support and collaboration from the government, financial institutions, and the Ministry of Communication and information technology are needed.

Fintech Lending: Analysis of the Response and Existence of Peer To Peer Lending Growth in Indonesia Nopiah, Ririn
International Journal of Economics (IJEC) Vol. 4 No. 1 (2025): January-June
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v4i1.1146

The development of Financial Technology / Fintech, namely peer-to-peer (P2P) lending in Indonesia has experienced rapid growth. This study aims to identify the response and existence of Fintech lending and analyze the determinants that have the potential to differentiate the response of Fintech growth in Indonesia during a certain period. The analysis method uses several stages, namely Klassen typology analysis and multiple linear regression model analysis. The research data comes from quantitative data on Fintech Lending in Indonesia which is officially registered with the Financial Services Authority (OJK) from 2021 to 2023. The variables used include P2P Lending loan volume, investor fund volume, default rate, accessibility, interest rates, and inflation on the growth of Fintech-lending transactions. The results show that loan volume, investor fund volume and default rate have an influence on the growth of Fintech-lending in Indonesia. In addition, DKI-Jakarta is an area in quadrant III (vulnerable and risky), while Gorontalo is an area with the potential to develop in quadrant IV. The regions that are in the growing but risky criteria are Banten, West Java, Central Java, D.I.Yogyakarta, East Java, NTB, Central Sulawesi, South Sulawesi, and West Sumatra. This study provides important insights into the dynamics of Fintech-lending growth in Indonesia and becomes an analysis of policy considerations to support the development of a healthy and sustainable fintech-lending sector. These findings are relevant for policymakers, industry practitioners, and researchers interested in inclusive finance and financial innovation in developing countries.

Woman’s Labor Participation and Household Welfare: An Empirical Study in Sumatera Island Nopiah, Ririn; Anggraini, Eka Dewi; Islami, Puji Amalia
Jurnal Kawistara Vol 14, No 1 (2024)
Publisher : Universitas Gadjah Mada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22146/kawistara.81011

Household consumption pattern has been used as an indicator for measuring the level of household welfare in Indonesia. The availability of labor in formal or informal sector is needed by the society to fulfill household needs. This is especially the case with informal sector thatstill dominates higher in Indonesia because this sector is a widely open alternative for the society in Indonesia. However, it often overlooked that the welfare of these jobs affects the transmission mechanism of intra-household job allocation, including women workers. This studyanalyzes women’s labor participation in the formal and informal sectors on household welfare on Sumatra Island. The method of this research is based on analysis of the data of Indonesia family Survey (IFL 5) in 2014. This data provided by the Indonesian Central Bureau of Statisticsor Badan Pusat Statistik (BPS) offers a longitudinal on household in Indonesia. This research use sample of 2.610 household The data is analysed using Two Stage Least Square (2SLS) through variable instruments (IV). The results show that women household heads who work in the informal sector have a higher welfare than the formal sector and women household heads whoare widowed tend to have low welfare. The regional government is expected to be able to maximize human development policies to reduce the gaps of household welfare based on gender, especially for women.

Woman’s Labor Participation and Household Welfare: An Empirical Study in Sumatera Island Nopiah, Ririn; Anggraini, Eka Dewi; Islami, Puji Amalia
Jurnal Kawistara Vol 14, No 1 (2024)
Publisher : Universitas Gadjah Mada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22146/kawistara.81011

Household consumption pattern has been used as an indicator for measuring the level of household welfare in Indonesia. The availability of labor in formal or informal sector is needed by the society to fulfill household needs. This is especially the case with informal sector thatstill dominates higher in Indonesia because this sector is a widely open alternative for the society in Indonesia. However, it often overlooked that the welfare of these jobs affects the transmission mechanism of intra-household job allocation, including women workers. This studyanalyzes women’s labor participation in the formal and informal sectors on household welfare on Sumatra Island. The method of this research is based on analysis of the data of Indonesia family Survey (IFL 5) in 2014. This data provided by the Indonesian Central Bureau of Statisticsor Badan Pusat Statistik (BPS) offers a longitudinal on household in Indonesia. This research use sample of 2.610 household The data is analysed using Two Stage Least Square (2SLS) through variable instruments (IV). The results show that women household heads who work in the informal sector have a higher welfare than the formal sector and women household heads whoare widowed tend to have low welfare. The regional government is expected to be able to maximize human development policies to reduce the gaps of household welfare based on gender, especially for women.

HUBUNGAN NILAI TUKAR PETANI DAN KEMISKINAN TERHADAP KETAHANAN PANGAN DI INDONESIA Romiza, Naziha; Nopiah, Ririn
Jurnal Ekonomi Pembangunan STIE Muhammadiyah Palopo Vol 10, No 2 (2024)
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah (LPPI) Universitas Muhammadiyah Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35906/jep.v10i2.2216

ABSTRAKKetahanan pangan menjadi salah satu isu untuk mendukung keberlanjutan perekonomian dunia. Ketahanan pangan adalah aspek yang vital dan strategis, di mana tidak ada negara yang dapat melakukan pembangunan berkelanjutan tanpa terlebih dahulu mencapai ketahanan pangan. Setiap negara memerlukan pasokan pangan untuk memastikan kelangsungan hidup warganya. Indonesia adalah salah satu negara yang aktif dalam menerapkan ketahanan pangan. Penelitian ini bertujuan untuk mengidentifikasi hubungan nilai tukar petani dan kemiskinan dalam memengaruhi ketahanan pangan di Indonesia serta langkah-langkah yang dapat diambil oleh pemerintah untuk mendukung keberlanjutannya. Data yang digunakan dalam penelitian ini berasal dari 34 provinsi di Indonesia pada tahun 2020-2021. Nilai tukar petani yang diukur melalui Indeks ketahanan pangan dan indeks harga yang diterima petani dianalisis menggunakan regresi data panel. Hasil penelitian menunjukkan bahwa nilai tukar petani dan kemiskinan memiliki pengaruh positif dan signifikan terhadap ketahanan pangan di Indonesia. Selain itu, kebijakan pemerintah yang harus diperhatikan adalah ekspektasi petani terhadap harga yang diterimanya, karena hal ini akan memengaruhi pasokan atau produksi pangan di negara ini. Kata Kunci: Indeks Ketahanan Pangan; Pertumbuhan; Kemiskinan.ABSTRACTFood security is one of the issues to support the sustainability of the world economy. Food security is a vital and strategic aspect, where no country can carry out sustainable development without first achieving food security. Every country needs food supply to ensure the survival of its citizens. Indonesia is one of the countries that is active in implementing food security. This study aims to identify the relationship between farmer exchange rate and poverty in influencing food security in Indonesia as well as the steps that can be taken by the government to support its sustainability. The data used in this study comes from 34 provinces in Indonesia in 2020-2021. The farmer exchange rate as measured by the food security index and the price index received by farmers were analyzed using panel data regression. The results show that farmer exchange rate and poverty have a positive and significant influence on food security in Indonesia. In addition, government policies that should be considered are farmers' expectations of the prices they receive, as this will affect food supply or production in the country. Keywords: Food Security Index; Growth; Poverty.

Connectivity Infrastructure Spending and Its Indicator Achievement: Case Study of Southern Sumatra Region Nopiah, Ririn; Azansyah; Ekaputri, Retno Agustina; Sunaryo; Prasetya, Bayu Andy
Journal of Sustainable Economics Vol. 2 No. 2 (2024): Journal of Sustainable Economics
Publisher : TALENTA PUBLISHER UNIVERSITAS SUMATERA UTARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32734/jse.v2i2.18708

Connectivity infrastructure is one of the crucial aspects in the development of a region. The Indonesian government has allocated a significant budget for connectivity infrastructure spending. The effectiveness of infrastructure spending reflects how much the connectivity infrastructure indicators have been achieved. The increase in connectivity infrastructure spending must be directly proportional to the rise in the quality and quantity of connectivity infrastructure. This study aims to analyze the correlation between connectivity infrastructure spending and the achievement of its indicators, especially in the Southern Sumatra region. The analysis method used is the Pearson Correlation analysis method, an approach to analyzing growth and the effectiveness of connectivity infrastructure spending. The results show that infrastructure spending and the achievement of its indicators have a relatively weak and negative correlation for roads and bridges. This study provides implications that the Southern Sumatra Region still needs improvement and evaluation between the distribution of government spending and program implementation for better regional development effectiveness.

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