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All Journal WELFARE Jurnal Ilmu Ekonomi AT-TIJARAH: Journal Islamic Banking and Finance Research Assyarikah: Journal Of Islamic Economic Business
Akasumbawa, Muhammad Dedat Dingkoroci
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Economics, Econometrics & Finance

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Faktor-Faktor yang Memengaruhi Pertumbuhan Ekonomi di Negara dengan Jumlah Penduduk Terbesar di Dunia (Studi pada Negara China, India, Indonesia, Pakistan dan Amerika Serikat) Akasumbawa, Muhammad Dedat Dingkoroci; Adim, Abd.; Wibowo, Muhammad Gafur
WELFARE Jurnal Ilmu Ekonomi Vol 2, No 1 (2021): Mei
Publisher : Jurusan Ekonomi Pembangunan, Fakultas Ekonomi, Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (389.504 KB) | DOI: 10.37058/wlfr.v2i1.2611

Abstract

The purpose of this study is to test the influence of primary school education, life expectancy, population and inflation on economic growth. This study used panel data method focusing on 5 countries with the largest population in the world in 2005-2019 as the sample. The research data was taken from the official website of the World Bank. The results showed that primary school education has a positive effect on economic growth. Life expectancy figures show a positive influence on economic growth. The population has a positive effect on economic growth. Meanwhile inflation has a negative effect on economic growth.Tujuan penelitian ini untuk menguji pengaruh pendidikan sekolah dasar, angka harapan hidup, jumlah penduduk dan inflasi terhadap pertumbuhan ekonomi. Penelitian ini menggunakan metode data panel dengan sampel di 5 negara dengan jumlah penduduk terbesar di dunia tahun 2005-2019. Data penelitian diambil dari situs resmi World Bank. Hasil penelitian menunjukkan bahwa pendidikan sekolah dasar berpengaruh positif terhadap pertumbuhan ekonomi. Angka harapan hidup menunjukkan pengaruh yang positif terhadap pertumbuhan ekonomi. Jumlah penduduk berpengaruh positif terhadap pertumbuhan ekonomi. Sementara inflasi berpengaruh negatif terhadap pertumbuhan ekonomi.
Tantangan dan Peluang Kontrak Istisna dalam Pembiayaan Perumahan Syariah di Indonesia Putra, Muhammad Deni; Sururi, Sururi; Akasumbawa, Muhammad Dedat Dingkoroci; Ismail, Dailani; Marlion, Farid Ahmad
Assyarikah: Journal of Islamic Economic Business Vol 6, No 1 (2025): Assyarikah: Journal Of Islamic Economic Business
Publisher : Al-Amien Prenduan for Islamic Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/assyarikah.v6i1.2137

Abstract

This study aims to examine the application of the Istisna contract in Islamic housing finance in Indonesia, and to identify the challenges and strategic efforts required for its effective implementation. A qualitative approach was employed through a literature review of relevant academic works, regulatory frameworks, and current practices in Islamic finance. The findings reveal that although Istisna holds significant potential as a Sharia-compliant alternative to conventional financing, its implementation faces numerous challenges. These include low public literacy in Islamic finance, inadequate regulatory infrastructure, and cultural resistance to non-conventional financing methods. Developers and consumers also encounter technical and legal obstacles, such as complex contractual arrangements and weak legal protections. Additionally, the lack of effective educational strategies and financial literacy initiatives further slows adoption. The study highlights the need for a multidimensional approach involving the integration of financial technology, regulatory strengthening, collaboration between developers and Islamic financial institutions, and the involvement of community leaders as agents of socialization. To foster the growth of Islamic housing finance based on Istisna, comprehensive policy interventions and institutional capacity building are essential. Contextual strategies that are responsive to local needs and foster synergy among stakeholders can position Istisna not only as a Sharia-compliant financing instrument but also as one that is adaptive to Indonesia’s socio-economic dynamics.
What Drives BPRS Efficiency? A Study Of Financial Inclusion, Bank Characteristics, And Macroeconomic Factors Akasumbawa, Muhammad Dedat Dingkoroci; Rukmana, Laelani; Razali; Andi Mardika
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 7 No. 1 (2025): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/at-tijarah.v7i1.6027

Abstract

Islamic Rural Banks (BPRS) in Indonesia face persistent challenges in achieving optimal operational efficiency, which is crucial for their sustainability and ability to serve the unbanked population. However, the factors driving this efficiency remain underexplored, especially in relation to financial inclusion, internal bank characteristics, and macroeconomic dynamics. This study aims to examine whether financial inclusion, bank-specific factors (capital adequacy ratio, profitability, and default risk), and macroeconomic variables (inflation and exchange rate) influence the operational efficiency of BPRS, as measured by the Operating Efficiency Ratio (OER). Utilizing time series data from January 2014 to June 2024 and applying the ARDL approach, the results reveal that only the exchange rate (in the short term) and capital adequacy ratio (in the long term) significantly affect efficiency. In contrast, financial inclusion, profitability, default risk, and inflation do not show a statistically significant impact in either time frame. Practically, these findings indicate that BPRS managers should prioritize strengthening internal capital structures and managing exposure to exchange rate fluctuations, rather than relying solely on expanding financial inclusion or profitability improvements to enhance efficiency. Theoretically, the results highlight the limited role of financial inclusion in directly boosting operational performance without sufficient institutional readiness, and underscore the
Co-Authors Adim, Abd. andi mardika Ismail, Dailani Marlion, Farid Ahmad Putra, Muhammad Deni Razali Rukmana, Laelani Sururi Sururi, Sururi Wibowo, Muhammad Gafur