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All Journal Jurnal Ekonomi & Studi Pembangunan Jurnal Ilmiah Ekonomi Islam Jurnal Aplikasi Bisnis Journal of Economics Research and Policy Studies
El Hasanah, Lak lak Nazhat
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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The Determinants of Islamic Banks’ Non-Performing Financing in the Small-Medium Enterprises (SMEs) Sector Fakhrunnas, Faaza; El Hasanah, Lak Lak Nazhat
Jurnal Ekonomi & Studi Pembangunan Vol 23, No 2: October 2022
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jesp.v23i2.15562

Abstract

The performance of Islamic banks in financing activities is determined by many factors, including macroeconomic variables and internal factors, such as the financial performance of the bank. The study investigates the determinant of non-performing financing (NPF) of Islamic banks in Indonesia, particularly in Small-Medium Enterprises (SMEs) sector. Adopting the panel data analysis, the data comprise 33 provinces in Indonesia starting from 2016m1 to 2021m07, equal to a 2211 observation period. The study reveals that the size of the bank’s asset and financing to deposit ratio (FDR) of Islamic banks has a significant relationship to NPF value in SMEs sector, and the impact remains unchanged in the period before and during the COVID-19 pandemic. From the regional viewpoint, the size of the bank’s assets also has a significant influence on NPF in the provinces located in Java but not outside of Java. As a policy implication, the study suggests that the size of a bank’s assets must be enhanced with prudent risk management in financing activities in the SME sector. Surely, the policy can be implemented in a top-down approach through government and financial authority; then it also can be applied bottom-up approach through the bank’s business activities. Finally, as the limitation of the research, the study only utilizes limited variables and uses a single-country analysis which can be improved and extended for future study.
Analysis of customer intention to save at BMT Fastabiq Jepara Sudarsono, Heri; Alghana, Ahada Dzulfikar; Ash Shidiqie3, Jannahar Saddam; El Hasanah, Lak lak Nazhat
Jurnal Ilmiah Ekonomi Islam Vol 10, No 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.13177

Abstract

This research aims to analyze the intention to save at BMT Fastabiq, Jepara. This research was conducted from May to June 2023, and the data source was obtained through a survey method using a questionnaire tool that was distributed to customers at BMT Fastabiq Jepara. This research uses quantitative data processing methods with SEM PLS analysis (Partial Least Square ) using SmartPLS 4.0. The respondents in this study were 100 BMT Fastabiq Jepara customers. The variables used in this research were intention to save (INT), knowledge (KNW), products (PRD), promotions (PRM), and religiosity (RE). The results of this research reveal that products and religiosity have a positive effect on the intention to save at BMT Fastabiq Jepara, whereas knowledge and promotion do not affect customers' intention to save at BMT Fastabiq Jepara.
Tourism sector and regional own-source revenue: A panel data analysis of six provinces in Java Island, Indonesia Wirawan, Hanan Afif; El Hasanah, Lak lak Nazhat
Journal of Economics Research and Policy Studies Vol. 5 No. 2 (2025): Journal of Economics Research and Policy Studies
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/jerps.v5i2.2171

Abstract

This study aimed to analyze the influence of the tourism sector on Regional Original Revenue (PAD) in six provinces on Java Island from 2019 to 2023. The independent variables included the number of hotels, the number of restaurants, and the number of tourism workers, while the dependent variable was Regional Original Revenue (PAD). A quantitative approach was applied using panel data regression. Based on the Chow and Hausman tests, the Fixed Effect Model was selected as the most appropriate. The results showed that the number of hotels had a negative and significant effect on regional revenue, while the number of restaurants had no significant effect. Conversely, the number of tourism workers had a positive and significant impact. These findings indicated that hotels without effective management and optimal occupancy levels may hinder their contribution to regional income. At the same time, the tourism labor sector played a key role in enhancing revenue. This study offered strategic input for local governments in formulating sustainable tourism development policies aimed at strengthening regional income.
Analysis of factors influencing poverty in special region of Yogyakarta Ayuandina, Fauzia Githa; El Hasanah, Lak lak Nazhat
Journal of Economics Research and Policy Studies Vol. 3 No. 1 (2023): Journal of Economics Research and Policy Studies
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/jerps.v3i1.655

Abstract

This study examined how the poverty rate in Yogyakarta Special Region was affected simultaneously and partly by infrastructure, investments, economic growth, and district or city minimum salaries. In addition to time series data from 2014 to 2020, it used panel data with cross-sectional data from five districts or cities in the province of Yogyakarta Special Region. The Fixed Effect Model was the model employed in this investigation. The findings indicate that all independent variables, namely infrastructure, investment, economic growth, and district- or city-level minimum wages, affect the poverty rate simultaneously in the Special Region of Yogyakarta. The partial test results indicate that the infrastructure and investment variables have a positive but insignificant effect because they have yet to reach the periphery. In contrast, the economic growth variable has a significant impact.
Analisis Pengaruh Sosial Media Instagram Terhadap Perkembangan Usaha Mikro, Kecil, dan Menengah Coffee Shop di Yogyakarta Pangestu, Oby; El Hasanah, Lak Lak Nazhat
Jurnal Aplikasi Bisnis Volume 20 No. 2, Desember 2023
Publisher : Program Sarjana Terapan Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jabis.vol20.iss2.art1

Abstract

The rapid development of the economy and communication technology provide various conveniences in the business world. It is hoped that the use of digital technology-based marketing concepts will provide direction for Micro, Small, and Medium Enterprises to further develop and become the center of strength of Indonesian economy. One of the media used is the Instagram application. Numerous coffee shops in Yogyakarta use Instagram as their main benchmark in terms of marketing. The purpose of this study was to analyze the effect of e-WOM, content and promotion on the development of MSMEs, especially coffee shops in Yogyakarta. The samples used in this study were from Micro, Small and Medium Enterprises Coffee shops in Yogyakarta. Methods of data analysis were descriptive statistical analysis and logistic regression analysis. The results of this study indicated that the variables e-WOM, Content, and Promotion have a positive effect on Business Development.
Analysis of customer intention to save at BMT Fastabiq Jepara Sudarsono, Heri; Alghana, Ahada Dzulfikar; Ash Shidiqie3, Jannahar Saddam; El Hasanah, Lak lak Nazhat
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.13177

Abstract

This research aims to analyze the intention to save at BMT Fastabiq, Jepara. This research was conducted from May to June 2023, and the data source was obtained through a survey method using a questionnaire tool that was distributed to customers at BMT Fastabiq Jepara. This research uses quantitative data processing methods with SEM PLS analysis (Partial Least Square ) using SmartPLS 4.0. The respondents in this study were 100 BMT Fastabiq Jepara customers. The variables used in this research were intention to save (INT), knowledge (KNW), products (PRD), promotions (PRM), and religiosity (RE). The results of this research reveal that products and religiosity have a positive effect on the intention to save at BMT Fastabiq Jepara, whereas knowledge and promotion do not affect customers' intention to save at BMT Fastabiq Jepara.
Co-Authors Alghana, Ahada Dzulfikar Ash Shidiqie3, Jannahar Saddam Ayuandina, Fauzia Githa Faaza Fakhrunnas Heri Sudarsono Pangestu, Oby Wirawan, Hanan Afif