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All Journal Journal of Innovation and Applied Technology Jurnal Ekonomi & Studi Pembangunan Journal of Innovation in Business and Economics
Jamil, Hidsal
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Computer Science & IT Economics, Econometrics & Finance

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Analysis of banking competition in Indonesia and its impact on profitability: Structure conduct performance (SCP) approach Santoso, Dwi Budi; Suprapto, Eddy; Zakaria, Rinny Apriliany; Kusumaningrum, Husniyah Ayu; Jamil, Hidsal
Journal of Innovation in Business and Economics Vol. 7 No. 01 (2023): Journal of Innovation in Business and Economics
Publisher : Faculty of Economics and Business, University of Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jibe.v7i01.27156

Abstract

In the past decade, the profits obtained by banks in Indonesia have generally tended to increase, except during the pandemic. However, the number of banking business actors in Indonesia has continued to decline, indicating that the banking structure is becoming more concentrated and potentially leading to an oligopoly. Therefore, the purpose of this study is to determine whether the increasingly concentrated banking market structure or weak competition has a significant impact on the growing profitability of banks in Indonesia. If this hypothesis is proven true, it would suggest that banking, as a financial intermediary, contributes to higher costs for economic development, particularly within financial markets. In this study, the Lerner index is employed to measure the level of concentration or competition among banks. Subsequently, the Treatment Effect Model is utilized to estimate the extent of the impact of competition levels on profitability within the banking sector. The findings of the study reveal two key points. Firstly, the reduction in the number of banking players has been accompanied by increased competition among banks in Indonesia, particularly evident after 2016. Secondly, a higher level of concentration or reduced competition corresponds to increased opportunities for banking profitability. Consequently, there are indications that the decrease in the number of banking business actors in Indonesia is correlated with heightened competition, suggesting improved efficiency in banking management. This phenomenon could elucidate the reason why profitability in the banking sector appears to be on the rise despite a decrease in the number of banking players.
Peningkatan Peranan Desa dalam Perluasan Jangkauan Layanan Pendidikan dan Kesehatan: Studi Kasus Desa Saptorenggo, Kecamatan Pakis, Kabupaten Malang Santoso, Dwi Budi; Suprapto, Eddy; Jamil, Hidsal; Nuraini, Adinda Putri
Journal of Innovation and Applied Technology Vol 9, No 2 (2023)
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jiat.2023.9.2.03

Abstract

Desa Saptorenggo masih dihadapkan persoalan rendahnya jangkauan akses layanan pendidikan dan kesehatan. Dengan berfokus pada aspek pembiayaan, kegiatan ini bertujuan memberikan pendampingan kepada perangkat Desa Saptorenggo dalam: i) peningkatan ketepatan penentuan prioritas program yang dibiayai melalui APBDes; dan ii) peningkatan kemampuan memperoleh sumber pembiayaan alternatif yang berasal dari Dana Corporate Social Responsibility (CSR) dan Dana Sosial. Untuk mencapai tujuan kegiatan, peneliti menggunakan metode participatory rural appraisal (PRA). Dalam kegiatan ini, peningkatan ketepatan penentuan prioritas program pendidikan dan kesehatan melalui APBDes dilakukan dengan memetakan program yang selaras dengan fokus pembangunan nasional (cross-cutting issues) dan pemutakhiran basis data kependudukan yang dijadikan sebagai dasar penentuan kelompok penerima manfaat. Sedangkan, peningkatan kemampuan memperoleh sumber pembiayaan alternatif dilakukan dengan mengidentifikasi program pendidikan dan kesehatan yang sesuai dengan kepentingan perusahaan dan NGO. 
Digital transformation and its impact on inclusive growth: a four-decade experience in Indonesia Kristyanto, Visi Saujaningati; Jamil, Hidsal
Jurnal Ekonomi & Studi Pembangunan Vol 24, No 2: October 2023
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jesp.v24i2.19919

Abstract

The debate over whether digital transformation benefits or harms inclusive growth continues. Existing evidence in the literature, on the other hand, is frequently based on short study periods, subjective measurement issues, and endogeneity issues, resulting in less credible findings in previous studies. To address this gap, this study draws on four decades of Indonesian experience spanning 1980 to 2021, with a focus on two primary objectives. First, this study utilises Principal Component Analysis (PCA) to assess the key factors forming the progress of digital transformation and inclusive growth. Second, the Two-Stage Least Square (2SLS) estimation method is applied in this study to investigate the endogenous impact of digital transformation on inclusive growth. The PCA results show that medium and high-tech manufacturing play a dominant role in representing digital transformation, while GDP per capita growth and poverty alleviation are the primary contributors to measuring inclusive growth. The 2SLS estimation shows that digital transformation significantly promotes inclusive growth in Indonesia, with its impact closely related to the previous year's digital transformation status. When these findings are considered jointly, it is clear that the beneficial effects of digital transformation are mainly explained by how medium and high-tech manufacturing sectors can stimulate inclusive growth in the context of increasing GDP per capita and reducing poverty in Indonesia.
Co-Authors Dwi Budi Santoso Eddy Suprapto Kristyanto, Visi Saujaningati Kusumaningrum, Husniyah Ayu Nuraini, Adinda Putri Zakaria, Rinny Apriliany