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All Journal ETIKONOMI Journal of Accounting and Investment JOURNAL OF SCIENCE AND SOCIAL RESEARCH Journal of Islamic Monetary Economics and Finance EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Tajdidukasi: Jurnal Penelitian dan Kajian Pendidikan Islam Muslim Business and Economic Review Journal of Business Management and Islamic Banking Suhuf: International Journal of Islamic Studies
Pertiwi, Ruspita Rani
Faculty Of Islamic Economics And Business, UIN Sunan Kalijaga, Yogyakarta, Indonesia
Religion Computer Science & IT Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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PENGARUH FAKTOR MAKROEKONOMI TERHADAP PENINGKATAN KINERJA ASURANSI SYARIAH DI INDONESIA Sari, Windi Prastika; Pertiwi, Ruspita Rani
JOURNAL OF SCIENCE AND SOCIAL RESEARCH Vol 8, No 2 (2025): May 2025
Publisher : Smart Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54314/jssr.v8i2.3177

Abstract

Abstract: This study aims to analyze the influence of macroeconomic factors on improving the performance of sharia insurance in Indonesia in the period 2015-2022. The methodology used is a quantitative approach with panel data analysis, involving independent variables such as Gross Domestic Product (GDP), inflation, interest rates, unemployment rates, and exchange rates, as well as dependent variables in the form of sharia insurance performance measured by total asset indicators. The study uses a panel data regression model, including Pooled Ordinary Least Squares (POLS), Fixed Effects Model (FEM), and Random Effects Model (REM), with statistical tests such as the Chow Test, Hausman Test, and LM Test to determine the best model. The results of the study show that GDP and exchange rates have a significant positive effect on sharia insurance performance, while inflation and unemployment rates have a negative impact. Interest rates do not show a significant effect, reflecting people's preferences for sharia-based products that are more influenced by spiritual awareness than interest rate conditions. This study emphasizes the importance of macroeconomic stability and transparent management of sharia funds to support the development of the sharia insurance industry in Indonesia.. Keyword: sharia insurance;panel data;macroeconomic factors. Abstrak: Penelitian ini bertujuan untuk menganalisis pengaruh faktor-faktor makroekonomi terhadap peningkatan kinerja asuransi syariah di Indonesia pada periode 2015-2022. Metodologi yang digunakan adalah pendekatan kuantitatif dengan analisis data panel, melibatkan variabel independen seperti Produk Domestik Bruto (PDB), inflasi, suku bunga, tingkat pengangguran, dan nilai tukar, serta variabel dependen berupa kinerja asuransi syariah yang diukur melalui indikator total aset. Penelitian menggunakan model regresi data panel, meliputi Pooled Ordinary Least Squares (POLS), Fixed Effects Model (FEM), dan Random Effects Model (REM), dengan uji statistik seperti Uji Chow, Uji Hausman, dan Uji LM untuk menentukan model terbaik. Hasil penelitian menunjukkan bahwa PDB dan nilai tukar memiliki pengaruh positif signifikan terhadap kinerja asuransi syariah, sementara inflasi dan tingkat pengangguran berdampak negatif. Suku bunga tidak menunjukkan pengaruh signifikan, mencerminkan preferensi masyarakat terhadap produk berbasis syariah yang lebih dipengaruhi oleh kesadaran spiritual dibandingkan kondisi suku bunga. Penelitian ini menegaskan pentingnya stabilitas makroekonomi dan pengelolaan dana syariah yang transparan untuk mendukung perkembangan industri asuransi syariah di Indonesia. Kata kunci: asuransi syariah;data panel;faktor makroekonomi.  
Evolving Service Innovation for The Late-mover Industry: The Case of Islamic Banking Ruspita Rani Pertiwi
Journal of Business Management and Islamic Banking Vol. 1 No. 2 (2023)
Publisher : UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jbmib.2023.0201-05

Abstract

Research Aims: This paper examines how Islamic banking in Indonesia, as a late-mover industry, evolves service innovation to attract customers and compete with already established conventional banking.  Design/methodology/approach: This qualitative research examines Indonesian Islamic Banking as a case study. This study involves two stages: investigating the case in-depth, detail, and context analysis using secondary data from various sources and in-depth interviews with stakeholders. Triangulation was employed to validate the entire result using various methods and data source triangulation. Research Findings: This research reveals that the development of service innovation in late movers is influenced by the sort of industry, the goals and values of the new industry's establishment, the resources owned, and market characteristics. While the dimensions of service innovation developed by late movers typically focus on new value systems, they emphasise value; meanwhile, in terms of technical or working models of the innovation, they tend to replicate or modify from first movers.
Co-Authors Achmad Muhammad Ahmad Bunyan Wahib Berakon, Izra Etik Kresnawati Fajar Sodik, Fajar Hary Febriansyah Hary Febriansyah Hary Febriansyah Hayati, Fauzia Kamila Jann Hidajat Tjakratmadja Jann Hidayat Tjakraatmadja Jannah, Syayyidah Maftuhatul Kamal, Safwan Pradana, Mahatva Yoga Adi Sari, Windi Prastika Selviana, Shela Septiani, Alfian Nisa Tjakratmadja, Jann Hidajat