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All Journal JDE (Journal of Developing Economies) Jurnal Ekonomi dan Bisnis Islam Studi Kasus Inovasi Ekonomi Abdimas Galuh: Jurnal Pengabdian Kepada Masyarakat Bulletin of Community Service and Development (BCSD) East Java Economic Journal eJEBA
Sri Cahyaning Umi Salama
University Of Muhammdiyah Malang
Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Nursing Social Sciences

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Journal : JDE (Journal of Developing Economies)

 1 
Intention of Muslim Millennials to Invest in Islamic Peer-to-Peer Lending in Indonesia Ajija, Shochrul Rohmatul; Salama, Sri Cahyaning Umi
Journal of Developing Economies Vol. 9 No. 2 (2024)
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jde.v9i2.51449

Abstract

Fintech Peer-to-peer (P2P) lending sharia is an evolution of sharia financial institutions through the use of technology in its operational processes. The millennial generation who grew up with technology has a greater talent in utilizing technology and has deeper insights compared to the previous generation. The purpose of this study is to analyze the determinants that influence Muslim millennials to invest in the Islamic P2P lending sector and determine strategies to improve its effectiveness. Latent variables Attitude Towards Behavior (AT), Subjective Norm (SN), Perceived Behavioral Control (PBC), Financial Literacy (FL), and Behavioral Intention (BI) are selected and analyzed using Structural Equation Modeling (SEM) using SmartPLS. This study used an accidental sampling method which was carried out for 30 days of data collection, where 200 respondents were collected. The respondents were specifically the millennial Muslim generation who had invested in financial institutions at least once. The results showed that all latent variables had a significant influence and PBC had the largest contribution. There are three latent variables that have a significant positive effect on BI, namely AT, PBC, and FL. Meanwhile, only SN has a significant negative effect on BI. Therefore, it is necessary to increase literacy in the Indonesian community. Regulators and implementers must collaborate and synergize in improving Islamic financial literacy in Indonesia. For further research development, other variables or samples from different groups can be used to further enrich literacy in Islamic P2P lending.
Efficiency Analysis of State Budget on Agricultural Development in Indonesia 2012-2016 Salama, Sri Cahyaning Umi
Journal of Developing Economies Vol. 3 No. 1 (2018)
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (352.486 KB) | DOI: 10.20473/jde.v3i1.8596

Abstract

Indonesia is still far behind compared to other Asian countries in agriculture. The technology and the availability of pre-facilities are still inadequate because of the many obstacles that hamper agricultural development. Agricultural development is a major component of rural development. One way to help the process of agricultural development is with the ease of access to finance. The State through the Ministry of Agriculture continues to make efforts in encouraging the development of domestic agriculture. Funds distributed are not small so it is necessary to calculate the efficient use of state budget funds in agricultural development in Indonesia. This study aims to measure the level of efficiency of the state budget for the agricultural sector. The data used are secondary data derived from the Ministry of Agriculture's financial report from 2012 to 2016. The method used is Data Envelopment Analysis (DEA) with input oriented and output oriented with Variable Returns to Scale (VRS). The input variable used is the realization of State Budget (APBN) for agriculture sector, while the output variables used are Farmer's Exchange Rate (NTP), Gross Domestic Product, and Farmer Productivity. The results show that the year 2015 becomes a very inefficient year both in terms of input oriented and output oriented. The increase in the realization of state expenditures for agriculture is not balanced by significant results, even in 2016 where the relatively small increase in the realization of the agriculture sector budget has had a comparable impact. Keywords: Efficiency, realization Budget expenditure, agricultural development
Analysis of Islamic Rural Banks Efficiency in the East Region of Indonesia Salama, Sri Cahyaning Umi
Journal of Developing Economies Vol. 7 No. 1 (2022)
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jde.v7i1.33554

Abstract

Islamic Rural Bank (BPRS) has important roles for micro-enterprises in Indonesia. This study analyzes the performance of Islamic Rural Bank in Eastern Indonesia, where the Muslim population is minority. Using 14 BPRS spread across a number of islands in Eastern Indonesia with a five-year vulnerability (2016- 2020) and using the Data Analysis Envelopment (DEA) Variable Return to Scale (BCC) model, it can be concluded that only 4 Islamic Rural Banks have been able to be efficient for five consecutive years. -consistent even during a pandemic. Meanwhile, 2 Islamic Rural Banks have not been able to work efficiently for five years and the remaining 8 Islamic Rural Banks are still not consistently working efficiently. During the pandemic, 70% of Islamic Rural Banks that were efficient in the previous year were able to operate efficiently, while 30% of BPRS that were efficient in the year before the pandemic were unable to work efficiently. It is also known that all Islamic Rural Banks that were not efficient in the year before the pandemic remained inefficient during the pandemic.
Co-Authors Afifah Nur Millatina Ahmad Hudaifah, Ahmad Dina Heriyati Fadilla Muhammad Mahdi Fuadah Johari, Fuadah Imamul Hakim Mahdi , Fadilla Muhammad Mochamad Novi Rifa’i Muslikhati, Muslikhati Puspita, Icha Rahmad Hakim Sajida, Nasiha Shochrul Rohmatul Ajija Wardani, Mahdayusiska