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All Journal Jurnal Manajemen Terapan dan Keuangan Journal of Economics, Business, & Accountancy Ventura Syntax Literate: Jurnal Ilmiah Indonesia Amwaluna Jurnal Ekonomi dan Keuangan Syariah Jurnal Ners Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal Nuansa Akademik: Jurnal Pembangunan Masyarakat Jurnal Riset Ilmu Ekonomi Jurnal Riset Ilmu Ekonomi dan Bisnis Bandung Conference Series: Economics Studies Journal of Islamic Economics Lariba Journal of Social Science and Business Studies Dinamika Ekonomi: Jurnal Kajian Ekonomi dan Pembangunan
Ima Amaliah
Universitas Islam Bandung
Religion Arts Humanities Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Social Sciences Other

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State Sukuk Potential in Reducing Indonesia Budget Deficit, 2009-2015 Ima Amaliah; Tasya Aspiranti
Journal of Economics, Business, & Accountancy Ventura Vol 20, No 1 (2017): April - July 2017
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v20i1.781

Abstract

The purpose of this study is to identify potential retail state sukuk as part of state bonds that are used to replace foreign debt and lower the government's budget deficit. This study is important because the government's budget deficit continues to rise each year due to the increase of foreign debt. The increase in the debt itself is closely related to exchange rate fluctuations. Therefore, it is important for the government to develop a relatively secure funding in facing exchange rate fluctuations as well as parts of interest rate. The government has developed state securities based on sharia (SBSN) which can be used not only to close finance deficit but also to alternatively finance the infrastructure development. The population consists of budget deficit, retail state sukuk, corporate sukuk, and foreign debt. It uses purposive sampling to get the sample during 2009 -2015. This research uses descriptive quantitative method of secondary data published by Bank Indonesia, ministry Finance and Jakarta Islamic Index. The result shows that the proportion of retail state sukuk against sharia state securities increases over time (over 50%) but the proportion of corporate sukuk numbers is still relatively small (below 25%). 
Sanitasi Dan Kepadatan Penduduk Sebagai Dinamika Kemiskinan Kota Studi Kasus Provinsi Jawa Barat Syifa Putri Nur Azizah; Liliani Sumarni Pratiwi; Ima Amaliah; Freska Fitriyana
Nuansa Akademik: Jurnal Pembangunan Masyarakat Vol 7 No 1 (2022)
Publisher : Lembaga Dakwah dan Pembangunan Masyarakat Universitas Cokroaminoto Yogyakarta (LDPM UCY)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47200/jnajpm.v7i1.1148

Abstract

The purpose of this study was to determine the effect of population density and sanitation on poverty in urban areas of West Java Province. The data used in this study are secondary data and primary data sourced from the Central Statistics Agency (BPS) and field observations consisting of the percentage of poor people, population density and proper sanitation in urban areas of West Java Province. The number of observations in this study was 45 consisting of data from 9 cities in West Java Province from 2016 to 2020. The analysis technique in this study uses panel data with the Random Effect Model. The results of this study indicate that population density and sanitation partially have a negative and significant effect on poverty in urban areas of West Java Province. Then simultaneously population density and sanitation have a significant effect on poverty in urban areas of West Java Province.
THE ROLE OF GOVERNMENT POLICY IN BOOSTING THE ISLAMIC MICROFINANCE INSTITUTIONS PERFORMANCE IN INDONESIA Tasya Aspiranti; A. Harits Nu’man; Yudha Dwi Nugraha; Ima Amaliah; Ade Yunita Mafruhat
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 5, No 1 (2021)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (870.622 KB) | DOI: 10.29313/amwaluna.v5i1.6935

Abstract

In building a successful Islamic Microfinance Institutions  (IMFIs) performance, many factors must be considered based on a multi-element point of view. This study aims to build key factors affecting IMFIs  performance using multi-perspective and multi-criteria methods. This study uses an analytic network process (ANP) to calculate the degree of influence given by the IMFIs performance criteria and factors. Primary and secondary data collection techniques are used to collect required data for this research. The primary data are collected through questionnaires and interviews. A purposive sampling technique to collect primary data is used to the 26 local BPRS, 11 BMT including on the islands of Java, Sumatra and Sulawesi as a three biggest island of Indonesia. The results of the study find, internal and external management aspects are  two main problems affecting IMFIs and five main solutions to increase their financing are  regulatory, management, institutions, competencies, and partnerships.
Sustainable Economic Development: Study on the Ujung Kulon Geopark Rani Meida; Adinda Sri Maryam; Ima Amaliah
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 5, No 2 (2022): Budapest International Research and Critics Institute May
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i2.5174

Abstract

Geopark development is one sector that can support economic shifts that have added value and are protective to ensure sustainability. In this study, the Ujung Kulon geopark is one of the appropriate Geoparks to be studied and analyzed how the planning for the development of this geopark can provide benefits for sustainable economic development. The research method used in this research is qualitative which is elaborated by descriptive analysis using the SWOT analysis technique. From the results of the analysis, the Ujung Kulon Geopark has added value. It has various world heritages which are also protected by the United Nations Educational, Scientific and Cultural Organization because its area includes a very wide protected forest and is also the last habitat of the one-horned rhino. This geopark also has the opportunity to develop well because it has government support so that its management is legally valid. However, the weakness of this geopark is the incomplete public facilities for tourists and the threat of natural disasters such as tsunamis and droughts. Therefore, the government must have careful planning so that the development of this geopark can contribute economically. In conclusion, to be able to support sustainable economic development from this geopark development plan, it is necessary to develop economics through investment, agriculture, and environmental policies. Therefore, to build integrated tourism, it is necessary to pay more attention to product and service development, national branding, SME development, protection of natural and socio-cultural resources, and analysis of tourism supply and demand.
Kausalitas Kebijakan Moneter Konvensional dengan Inflasi dan Pertumbuhan Ekonomi di Indonesia Periode Q1 2008 – Q4 2020 Rahmad Abdul Gani; Ima Amaliah
Jurnal Riset Ilmu Ekonomi dan Bisnis Volume 1, No. 1, Juli 2021, Jurnal Riset Ilmu Ekonomi dan Bisnis (JRIEB)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1061.374 KB) | DOI: 10.29313/jrieb.v1i1.203

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Abstract. This study aims to identify the causality of conventional monetary policy with inflation and economic growth in Indonesia during the observation period. The research method used is descriptive quantitative. The data used are data from the first quarter of 2008 to the fourth quarter of 2020. This study uses secondary data published by BI, OJK, BPS, World Bank, as well as various literatures that will be used. The data analysis method used in this study is the VECM and Grangger Causality model consisting of the Grangger test, IRF test, VD test, and VECM estimation. The results of this study found that, causally, there is no continuity of conventional monetary policy transmission lines. In terms of IRF, the shock given by conventional variables to the inflation response subsided and remained stable for longer. In this case, the conventional variable is inflationary. In VD, conventional variables tend to give a larger negative contribution to inflation and reduce output. According to VECM, conventional variables in the short term tend to have a positive impact on inflation, and provide trade-offs in the long term. Abstrak. Penelitian ini bertujuan untuk mengidentifikasi kausalitas kebijakan moneter konvensional dengan inflasi dan pertumbuhan ekonomi Indonesia selama periode pengamatan. Metode penelitian yang digunakan adalah deskriptif kuantitatif. Data yang digunakan adalah data kuartal I 2008 sampai kuartal IV 2020. Penelitian ini menggunakan data sekunder yang dipublikasikan BI, OJK, BPS, World Bank, serta berbagai literatur yang akan digunakan. Metode analisis data yang digunakan dalam penelitian ini adalah model VECM dan Grangger Causality terdiri dari uji grangger, uji IRF, uji VD, dan estimasi VECM. Hasil penelitian ini menemukan bahwa, secara kausalitas tidak terdapat kesinambungan alur transmisi kebijakan moneter konvensional. Secara IRF, shock yang diberikan oleh variabel konvensional terhadap respon inflasi mereda dan stabil lebih lama. Dalam hal ini, variabel konvensional bersifat inflationer. Secara VD, variabel konvensional cendrung memberikan kontribusi negatif lebih besar terhadap inflasi dan menurunkan output. Secara VECM, variabel konvensional dalam jangka pendek cenderung memberikan dampak positif terhadap inflasi, dan memberikan trade-off dalam jangka panjang.
Pengaruh Inflasi, Suku Bunga, PDB, Nilai Tukar dan Krisis Ekonomi terhadap Neraca Perdagangan Indonesia Periode 1995-2017 Nenden Yushinta Puri; Ima Amaliah
Bandung Conference Series: Economics Studies Vol. 1 No. 1 (2021): Bandung Conference Series: Economics Studies
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (281.044 KB) | DOI: 10.29313/bcses.v1i1.43

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Abstract. The Trade Balance describes the external conditions of a country's economy. The condition of the trade balance in Indonesia tends to experience unbalanced conditions. This research was conducted with the aim of analyzing macroeconomic variables that affect the performance of the trade balance in Indonesia. This study uses four variables, namely inflation, interest rates, GDP, exchange rates and the economic crisis. This study aims to determine how much influence and how much influence inflation, interest rates, GDP, exchange rates and the economic crisis have on the trade balance in Indonesia. The method used is the Ordinary Least Square (OLS) method with a regression model. The data used in this study are secondary data published by BPS 1995-2017. The data is processed using the E-views program 7. The results show that inflation, interest rates, GDP, and the economic crisis have a negative and significant effect on the trade balance in Indonesia, while the exchange rate has a positive and significant effect on the trade balance in Indonesia. Abstrak. Neraca Perdagangan menggambarkan kondisi eksternal perekonomian suatu negara. Kondisi neraca perdagangan di Indonesia cenderung mengalami kondisi yang tidak seimbang. Penelitian ini dilakukan dengan tujuan menganalisis varabel-variabel makroekonomi yang mempengaruhi kinerja neraca perdagangan di Indonesia. Penelitian ini menggunakan empat variabel yaitu inflasi, suku bunga, PDB, nilai tukar dan krisis ekonomi. Penelitian ini bertujuan untuk mengetahui bagaimana pengaruh dan berapa besar pengaruh inflasi, suku bunga, PDB, nilai tukar dan krisis ekonomi terhadap neraca perdagangan di Indonesia. Metode yang digunakan adalah metode Ordinary Least Square (OLS) dengan model regresi. Data yang digunakan dalam penelitian ini adalah data sekunder yang dipublikasikan oleh BPS periode 1995-2017. Data diolah dengan menggunakan program E-views 7. Hasil penelitian menunjukkan bahwa inflasi, suku bunga, PDB, dan krisis ekonomi berpengaruh negatif dan signifikan terhadap neraca perdagangan di Indonesia, sedangkan nilai tukar memiliki pengaruh postif dan signifikan terhadap neraca perdagangan di Indonesia.
Pengaruh Inflasi, Suku Bunga, dan Nilai Tukar Rupiah terhadap Indeks Harga Saham Sektor Properti dan Real Estate Yang Tercatat di Bursa Efek Indonesia Periode Januari 2015 – Desember 2019 Muhamad Taufiq Amarullah; Ima Amaliah; Nurfahmiyati
Bandung Conference Series: Economics Studies Vol. 2 No. 1 (2022): Bandung Conference Series: Economics Studies
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (595.79 KB) | DOI: 10.29313/bcses.v2i1.503

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Abstract. The Property and Real Estate sector has an important role for the economy, especially the financial sector. Macroeconomic movements that continue to increase affect property prices to continue to increase. This is a problem for companies in their ability to pay production costs and attract investors to invest their capital. The purpose of this study is to estimate the factors that affect the Property and Real Estate Sector Stock Price Index listed on the Indonesia Stock Exchange for the period January 2015 – December 2019. The method used in this research is quantitative descriptive analysis and monthly time series data regression analysis from January 2015-December 2019. Data obtained from BPS publications and the Indonesia Stock Exchange. The independent variables include inflation, interest rates and the rupiah exchange rate. and the dependent variable is the stock price index of the property and real estate sectors. The estimation model uses OLS. The results showed that the variables of inflation, interest rates, and the rupiah exchange rate had a significant influence. If it is seen from the probability value of inflation, and the rupiah exchange rate is significant at the alpha 5% level, while interest rates are significant at the alpha 10% level. From the value of R2, the result is 15.17 percent, meaning that the variation of Inflation, Interest Rates and Exchange Rates on the Stock Price Index of the Property and Real Estate sectors is 10% while the rest is influenced by variables not included in the study. That is, in further research, it is necessary to appoint other variables that have a significant influence on the property and real estate stock price index, such as the management error factor, the results of an independent company's assessment of the company's performance. Abstrak. Sektor Properti dan Real Estate memiliki peranan penting bagi perekonomian khususnya sektor keuangan. Pergerakan makroekonomi yang terus meningkat mempengaruhi harga properti terus mengalami kenaikan. Hal ini menjadi persoalan bagi perusahaan dalam kemampuan membayar biaya produksi dan daya tarik investor untuk menanamkan modalnya. Tujuan penelitian untuk mengestimasi faktor-faktor yang mempengaruhi Indeks Harga Saham Sektor Properti dan Real Estate yang tercatat di Bursa Efek Indonesia periode Januari 2015– Desember 2019. Metode yang digunakan dalam penelitian ini analisis deskriptif kuantitatif dan analisis regresi menggunakan data time series bulanan dari bulan Januari 2015-Desember 2019. Data diperoleh dari Publikasi Bank Indonesia, Badan Pusat Statistik dan Bursa Efek Indonesia. Variabel independen meliputi inflasi, suku bunga dan nilai tukar rupiah serta variabel dependennya yaitu indeks harga saham sektor properti dan real estate. Model estimasi menggunakan OLS. Hasil penelitian menunjukkan variabel inflasi, suku bunga, dan nilai tukar rupiah memiliki pengaruh signifikan. Jika dilihat dari nilai probabilitasnya inflasi, dan nilai tukar rupiah signifikan pada tingkat alfa 5 %, sedangkan suku bunga signifikan pada tingkat alfa 10 %. Dari besaran nilai R2 diperoleh hasil sebesar 10,62 persen yang bermakna variasi Inflasi, Suku Bunga dan Nilai Tukar terhadap Indeks Harga Saham Sektor Properti dan Real Estate sebesar 10,62%, sedangkan sisanya dipengaruhi oleh variabel lain yang tidak dimasukkan dalam penelitian ini. Artinya, dalam penelitian selanjutnya maka perlu dipilih variabel lain yang memiliki pengaruh lebih signifikan terhadap indeks harga saham properti dan real estate seperti faktor kesalahan manajemen, hasil penilaian perusahaan independen terhadap kinerja perusahaan serta kinerja perusahaan.
Efisiensi Perbankan Syariah di Indonesia Periode 2015-2020 Silvi Aprillia Devi; Ima Amaliah; Nurfahmiyati
Bandung Conference Series: Economics Studies Vol. 2 No. 1 (2022): Bandung Conference Series: Economics Studies
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (406.593 KB) | DOI: 10.29313/bcses.v2i1.1067

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Abstract. The development of Islamic banking in Indonesia is supported by Bank Indonesia as the regulator. The existence of this requires the bank to measure its performance. Efficiency is a performance measure that has an important role in banking. This study aims to analyze the efficiency of Islamic banking (BUS and UUS). This study uses the Non-parametric Data Envelopment Analysis (DEA) method using the Variable Return to Scale (VRS) assumption. The type of data used is secondary data obtained from the official website of the Financial Services Authority (OJK). This study uses a sample of the selection criteria or based on purposive sampling. The object of this research is BUS and UUS for the period 2015-2020 using 12 samples consisting of 8 BUS and 4 UUS. In this study using input variables; Fixed Assets and TPF; and the output variable is financing. In DEA an efficiency score equal to 1 can be said to be efficient and less than 1 indicates not yet efficient (inefficiency). The results of the analysis using DEA show that each bank has a different efficiency score. The number of banks that have experienced efficiency is 9 banks, the other 4 banks still have not achieved efficiency during the 2015-2020 period. The results of the average efficiency scores of BUS and UUS are 65.17% and 66.34%, respectively. Based on the different test using ANOVA, it also shows that there is no significant difference in the average efficiency score between the two groups of banks. Abstrak. Berkembangnya perbankan syariah di Indonesia didukung oleh Bank Indonesia selaku regulator. Adanya hal tersebut menuntut bank untuk mengukur kinerjanya. Eisiensi merupakan ukuran kinerja yang memiliki peran penting dalam perbankan. Penelitian ini bertujuan untuk menganalisis efisiensi pada perbankan syariah (BUS dan UUS). Penelitian ini menggunakan metode Non-parametrik Data Envelopment Analysis (DEA) dengan menggunakan asumsi Variable Return to Scale (VRS). Jenis data yang digunakan berupa data sekunder yang diperoleh dari situs resmi Otoritas Jasa Keuangan (OJK). Penelitian ini menggunakan sampel dari kriteria pemilihan atau berdasarkan purposive sampling. Objek penelitian ini adalah BUS dan UUS periode 2015-2020 menggunakan 12 sampel yang terdiri dari 8 BUS dan 4 UUS. Dalam penelitian ini menggunakan variabel input; Aset Tetap serta DPK; dan variabel output berupa pembiayaan. Pada DEA skor efisiensi sama dengan 1 dapat dikatakan efisien dan kurang dari 1 menunjukkan belum efisien (inefisien). Hasil analisis menggunakan DEA menunjukan bahwa setiap bank memiliki skor efisiensi yang berbeda-beda. Jumlah bank yang telah mengalami efisien ada 9 bank, 4 bank lainnya masih belum mencapai efisien selama periode 2015-2020. Hasil rata-rata skor efisiensi BUS dan UUS masing-masing adalah 65.17% dan 66.34%. Berdasarkan uji beda menggunakan ANOVA, juga menunjukkan bahwa tidak terdapat perbedaan rata-rata skor efisiensi secara signifikan diantara kedua kelompok bank tersebut.
Pengaruh Harga Beras, Pendapatan Perkapita, Jumlah Penduduk dan Impor Beras terhadap Permintaan Beras di Indonesia Tahun 2010-2020 Rika Angraini; Ima Amaliah; Meidy Haviz
Bandung Conference Series: Economics Studies Vol. 2 No. 1 (2022): Bandung Conference Series: Economics Studies
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (469.393 KB) | DOI: 10.29313/bcses.v2i1.1087

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Abstract. There are two objectives in this study, first to identify how the influence of rice prices, per capita income, population and rice imports on rice demand in Indonesia in 2010-2020. Second, it was identified how much influence rice prices, per capita income, population and rice imports had on rice demand in Indonesia. Rice is the result of the post-harvest process from the rice plant, after the stalk and panicle skin are removed and milled, especially in Indonesia, rice is an important component in the daily diet. This study uses a quantitative descriptive analysis approach and regression analysis using OLS with annual time series data for the 2010-2020 period. Data obtained from the Central Statistics Agency. The independent variables include rice prices, population, average food expenditure and rice imports and the dependent variable is rice demand. The independent variables include rice prices, population, average food expenditure and rice imports and the dependent variable is rice demand. The results showed that the rice price variable, the average food expenditure had a significant influence on the demand for rice in Indonesia. While the population has a significant effect with a negative coefficient value on rice demand. Rice imports statistically have no effect on rice demand in Indonesia. From the value of R2, the result is 87.61 percent, which means that the variation in rice price, population, average food expenditure and rice imports towards rice demand is 87.61%, while the other side is influenced by other variables not included in the model. Abstrak. Terdapat dua tujuan dalam penelitian ini, pertama Teridentifikasi bagaimana pengaruh harga beras, pendapatan perkapita, jumlah penduduk dan impor beras terhadap permintaan beras di Indonesia tahun 2010-2020. Kedua Teridentifikasinya berapa besar pengaruh harga beras, pendapatan perkapita, jumlah penduduk dan impor beras terhadap permintaan beras di Indonesia. Beras merupakan hasil proses pasca panen dari tanaman padi yaitu setelah tangkai dan kulit malainya dilepaskan dan digiling, khususnya Indonesia, beras merupakan komponen yang penting dalam makanan sehari-hari. Penelitian ini menggunakan metode pendekatan analisis deskriptif kuantitatif dan analisis regresi menggunakan OLS dengan data time series tahunan periode 2010-2020. Data diperoleh dari Badan Pusat Stastistik. Variabel independen meliputi harga beras, jumlah penduduk, rata-rata pengeluaran pangan dan impor beras serta variabel dependennya yaitu permintaan beras. Variabel independen meliputi harga beras, jumlah penduduk, rata-rata pengeluaran pangan dan impor beras serta variabel dependennya yaitu permintaan beras. Hasil penelitian menunjukan bahwa variabel harga beras, rata-rata pengeluaran pangan memiliki pengaruh signifikan terhadap permintaan beras di Indonesia. Sedangkan jumlah penduduk berpengaruh signifikan dengan nilai koefisiennya negatif terhadap permintaan beras.Impor beras secra statistic tidak berpengaruh terhadap permintaan beras di Indonesia. Dari besaran nilai R2 diperoleh hasil sebesar 87,61 persen yang bermakna variasi harag beras, jumlah penduduk, rata-rata pengeluaran pangan dan impor beras terhadap permintaan beras 87,61%, sedangkan sisinya dipengaruhi oleh variabel lainnya yang tidak dimasukan dalam model.
Pengaruh Inklusi Keuangan terhadap Penurunan Kemiskinan di Indonesia Tahun 2010-2019 Mira Permata Sari; Nurfahmiyati; Ima Amaliah
Bandung Conference Series: Economics Studies Vol. 2 No. 1 (2022): Bandung Conference Series: Economics Studies
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (516.769 KB) | DOI: 10.29313/bcses.v2i1.1309

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Abstract. Financial inclusion is a strategy aimed at decreasing all barriers to public access to financial services, both price and non-price. The objective of this research is to examine the impact of financial inclusion on alleviating poverty in Indonesia. The descriptive quantitative analysis and regression analysis methods were applied in this study, which employed time series data from 2010 to 2019. OJK and BPS publications had been used to represent the information. Financial inclusion covered three independent variables: availability, penetration and use, with poverty as the dependent variable. OLS was used for the estimate model. The results showed that financial inclusion from the dimensions of penetration and usage had a significant effect. If we look at the probability value, the penetration is significant at the alpha 5% level, while the usage is significant at the 10% alpha level. However, the availability dimension has no effect on poverty. From the value of R2, the result is 97.5 percent, which means financial inclusion on poverty reduction is 97.5%, while the rest is influenced by other variables not included in this study. Abstrak. Inklusi keuangan sebagai seluruh upaya yang bertujuan meniadakan segala bentuk hambatan yang bersifat harga maupun non harga, terhadap akses masyarakat dalam memanfaatkan layanan jasa keuangan. Penelitian ini bertujuan untuk menganalisis pengaruh inklusi keuangan terhadap penurunan kemiskinan di Indonesia tahun 2010-2019. Metode yang digunakan dalam penelitian ini analisis deskriptif kuantitatif dan analisis regresi menggunakan data time series dari tahun 2010-2019. Data diperoleh dari Publikasi OJK dan BPS. Variabel independent inklusi keuangan meliputi ketersediaan, penetrasi dan penggunaan serta variabel dependennya yaitu kemiskinan. Model estimasi menggunakan OLS. Hasil penelitian menunjukkan inklusi dimensi penetrasi dan penggunaan memiliki pengaruh signifikan. Jika dilihat dari nilai probabilitasnya penetrasi signifikan pada tingkat alfa 5 %, sedangkan penggunaan signifikan pada tingkat alfa 10 %. Namun pada dimensi ketersedian tidak berpengaruh pada kemiskinan. Dari besaran nilai R2 diperoleh hasil sebesar 97,5 persen yang bermakna inklusi keuangan terhadap penurunan kemiskinan sebesar 97,5%, sedangkan sisanya dipengaruhi oleh variabel lain yang tidak dimasukan dalam penelitian ini .
Co-Authors A. Harits Nu'man Aan Julia Ade Yunita Mafruhat Adinda Sri Maryam Akhsan Mulki Abdillah Al Rifah, Cecep Fauzan Ammariia, Hanii Anjani, Selsa Putri Banavsa Puan Lira Budi Hartono Cynthia Imadiyar P Dewi Rahmi Fadilah Ghani Azis Firda Siva Kamila Fitria Restiani Freska Fitriyana Gerry Cahya Mutaqin Gustini, Yasni Hafiz Naufal Hilmi Haikal Qolbi Al Qosam Handri, Handri Intan Purnamasari Ismaira Miftahus Sa’adah Izhar Rismawan Kharisma Varrenzy Saidhyna Liliani Sumarni Pratiwi Marselino Yuda Pratama Meidy Haviz Mira Permata Sari Muhamad Taufiq Amarullah Muhammad Hasbi Ashidiqi Muhammad Yasa Wisesa Muhardi Muhardi Mutia Azzahra Nabila Savira nabilla nurdina nabilla Nenden Yushinta Puri Novi Ariani Nunung Nurhayati Nurfahmiyati Nurrunnajmi, Tirahaifa Nurul Komara Oryza Sativa Ramadhan Rahmad Abdul Gani Rangga Apryansyah Rani Meida Ravi Anugrah Akbar Rega Saukani Rika Angraini Sayyid Mujaddid Fikri Sekar Nadia Lestari Shaffa Septiani Aisy Silvi Aprillia Devi Syam, Fauziyah Syifa Putri Nur Azizah Tasya Aspiranti Tesya Aryo Tesya Nur Hayatri Teuku Muhammad Abidzar Saddam Tyas Ayuning Lestari Westi Riani Westi Riani Westi Riani Woro Rona Farrasari Yolanda Dienul Fathia Yudha Dwi Nugraha Zakiyah Hayati