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The Effect of Poverty Levels, Open Unemployment Rates on Crime Rates in Indonesia 2014-2024: a VECM Approach Viona Retno Oktaviani; Ahmad Hazas Syarif; Alief Rakhman Setyanto
Journal of Trends Economics and Accounting Research Vol 6 No 3 (2026): March 2026
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jtear.v6i3.2593

Abstract

The economy is one of the main triggers of high crime rates in Indonesia. This study aims to explore the extent of the relationship between poverty and open unemployment rates and crime rates in this country. This study was conducted using a quantitative approach, utilizing panel data and a VECM model to analyze long-term impacts. The data sources used were secondary data from reports by the Central Statistics Agency (BPS) and the Indonesian National Police (Polri). The results show that poverty has a significant positive impact on crime rates in Indonesia, as seen from the t-statistic being greater than the t-table, namely 13.9926 > 1.966378803 with a coefficient value of 34300.84. Similarly, open unemployment also has a significant positive impact as seen from the t-statistic which is greater than the t-table, namely 4.73350 > 1.966378803 with a coefficient value of 34616.26. Overall, these two factors, poverty and open unemployment, have a significant positive impact on crime rates in Indonesia, as indicated by an F-statistic greater than the t-table, namely 24.36384 > 1.96637883. These long-term findings indicate that high poverty rates and open unemployment rates can affect crime rates in Indonesia, while in the short term the opposite is true. This occurs because of survival mechanisms that utilize savings or government assistance. This study provides empirical evidence on the influence of poverty rates and open unemployment rates on high crime rates in Indonesia.
The Effect of Economic Growth, Fossil Energy Consumption, and Urbanization on The Environmental Quality Index in Indonesia For the Period 2007-2024 Royhan Agung Kurnia; Ahmad Hazas Syarif; Alief Rakhman Setyanto
Jurnal Ekonomika dan Manajemen Vol 15, No 1 (2026)
Publisher : Universitas Budi Luhur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36080/jem.v15i1.4359

Abstract

The trade-off between achieving economic welfare and maintaining ecological stability remains a critical challenge for developing nations like Indonesia. This study examines the dynamic effects of economic growth, fossil fuel consumption, and urbanization on the Environmental Quality Index (EQI) in Indonesia during the period 2007-2024. Using the Vector Error Correction Model (VECM), the analysis reveals a significant long-term cointegration relationship among the variables. Empirical results show that economic growth has a significant negative impact on environmental quality, confirming the initial stage of the Environmental Kuznets Curve (EKC) hypothesis, in which economic activity is still highly dependent on sectors that degrade the environment. Conversely, urbanization exhibits a positive impact on environmental quality, indicating that urban areas possess more effective environmental governance and resource efficiency compared to rural regions. Although the long-term coefficient of fossil energy consumption is relatively small, Variance Decomposition analysis identifies energy consumption shocks as a persistent determinant of fluctuations in environmental quality. Consequently, this study recommends accelerating the energy transition and strengthening environmental regulations specifically within economic growth centers.
PENGARUH PRAKTIK PERBANKAN HIJAU DAN PELAPORAN KEBERLANJUTAN TERHADAP KINERJA KEBERLANJUTAN DENGAN PEMBIAYAAN HIJAU SEBAGAI VARIABEL MODERASI: TINJAUAN LITERATUR SISTEMATIS Nur Alhidayah; Muhammad Iqbal Fasa; Ahmad Hazas Syarif
GLORY Jurnal Ekonomi dan Ilmu Sosial Vol 7 No 3 (2026): GLORY Jurnal Ekonomi dan Ilmu Sosial
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70581/glory.v7i3.28436

Abstract

Sektor perbankan memainkan peranan penting dalam mendukung perkembangan yang berkelanjutan dengan menerapkan praktik perbankan ramah lingkungan dan laporan keberlanjutan. Namun, Tingkat kontribusi keduanya terhadap kinerja keberlanjutan serta bagaimana pembiayaan hijau berfungsi sebagai variabel yang memoderasi hubungan ini masih perlu diteliti lebih dalam. Tujuan dari penelitian ini Adalah untuk mengeksplorasi dampak praktik perbankan hijau dan pelaporan keberlanjutan, serta mengevaluasi peran moderasi pembiayaan hijau dalam korelasi tersebut melalui pendekatan tinjauan Pustaka sistematis. Pendekatan yang digunakan dalam studi ini Adalah Systematic Literature Review (SLR). Pencarian literatur dilakukan melalui Google Scholar dengan fokus pada publikasi antara tahun 2021-2025. Dari keseluruhan artikel yang ditemukan, beberapa artikel dipilih berdasarkan kriteria yang telah ditentukan untuk dianalisis secara sistematis. Hasil dari tinjauan Pustaka menunjukkan bahwa praktik perbankan hijau memberikan pengaruh positif dan signifikan terhadap kinerja keberlanjutan, terutama melalui penerapan kebijakan kredit yang ramah lingkungan, produk finansial yang berkelanjutan, dan efesiensi operasional yang berorientasi pada lingkungan. Pelaporan keberlanjutan terbukti efektif dalam meningkatkan transparansi dan akuntabilitas organisasi, yang pada gilirannya meningkatkan kinerja keberlanjutan secara keseluruhan. Selain itu, pembiayaan hijau sebagai variabel moderasi juga ditemukan dapat memperkuat hubungan antara praktik perbankan hijau dan pelaporan keberlanjutan terhadap kinerja keberlanjutan, khususnya pada Lembaga keuangan yang memiliki komitmen tinggi terhadap isu lingkungan dan sosial. Temuan ini menunjukan bahwa integrasi pembiayaan hijau dalam strategi perbankan dapat menjadi pendorong penting dalam pencapaian tujuan keberlanjutan jangka Panjang. Kata Kunci : Green Banking Practise, Sustainability Reporti Sustainability Performance, Green Finance, Variabel Moderasi, Perbankan Berkelanjutan, Kinerja Lingkungan, Systematic Literature Review, Pembiayaan Hijau
Digital Service Impact on Islamic Bank Customer Loyalty in Urban Communities: A Comparative Study in Bandar Lampung and Metro Muhammad Afnie Adam; Hotman; Ahmad Hazas Syarif; Agus Kurniawan
Journal of Islamic Digital Economic and Finance Vol. 2 No. 01 (2026): Journal of Islamic Digital Economic and Finance (JIDEF)
Publisher : Nuban Jagadhita Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.2711/jidef.v2i01.569

Abstract

Objective: This study aims to analyze the impact of digital services, including mobile banking, internet banking, and app-based services, on customer loyalty in Islamic banks operating in urban areas. Bandar Lampung and Metro City in Lampung Province were selected as study locations to examine differences in digital banking adoption and customer behavior within distinct urban ecosystems. Method: This study employs a quantitative survey design using a Structural Equation Modeling (SEM) approach based on Partial Least Squares (PLS-SEM). A total of 320 active customers of Islamic banks in Bandar Lampung and Metro City were selected through purposive sampling. The variables examined include ease of use, transaction security, digital service quality, trust, customer satisfaction, and customer loyalty. Data analysis was conducted to assess direct, mediating, and moderating relationships among the variables. Result: The findings reveal that ease of use (β = 0.312, p < 0.01), transaction security (β = 0.289, p < 0.01), and digital service quality (β = 0.341, p < 0.01) positively and significantly influence customer satisfaction. Customer satisfaction serves as a strong mediating variable in the relationship between digital services and customer loyalty (β = 0.427, p < 0.001). Trust was also found to moderate this relationship significantly (β = 0.198, p < 0.05). Moreover, customers in Bandar Lampung exhibit higher levels of digital service adoption than those in Metro City. Implication: This study has practical implications for Islamic bank management, including increasing investment in digital infrastructure to build sustainable customer loyalty and developing structured digital literacy programs, particularly in areas with lower adoption rates, such as Metro City. Novelty: This study contributes to the literature by adopting a comparative urban ecosystem perspective, contrasting a regional economic center with a developing satellite city. It also integrates trust as a moderating variable within the PLS-SEM framework, providing a more comprehensive understanding of customer loyalty formation in the context of digitalization in Islamic banking in Indonesia.
Pengaruh Inflasi, Suku Bunga (BI Rate), dan Non Performing Pinancing (NPF) Terhadap Profitabilitas Bank Umum Syariah Di Indonesia (Periode 2020-2024) Asriani; Ahmad Hazas Syarif; Weny Rosilawati
An-Nisbah: Jurnal Perbankan Syariah Vol. 7 No. 2 (2026): An-Nisbah: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51339/nisbah.v7i2.4866

Abstract

Abstrak. Penelitian ini bertujuan untuk menganalisis pengaruh Inflasi, BI Rate, dan Non Performing Financing (NPF) terhadap Profitabilitas pada Bank Umum Syariah di Indonesia. Permasalahan utama dalam penelitian ini adalah fluktuasi tingkat profitabilitas perbankan syariah yang dipengaruhi oleh kondisi ekonomi makro serta risiko pembiayaan yang dihadapi oleh bank. Perubahan tingkat inflasi dan suku bunga (BI Rate) dapat mempengaruhi aktivitas pembiayaan dan penghimpunan dana bank, sementara tingginya tingkat Non Performing Financing (NPF) dapat menurunkan kinerja keuangan dan profitabilitas bank syariah. Sampel penelitian terdiri dari 7 Bank Umum Syariah dengan total 35 observasi yang dipilih menggunakan metode purposive sampling. Teknik analisis data yang digunakan adalah regresi data panel yang diolah menggunakan perangkat lunak Eviews 13. Hasil penelitian menunjukkan bahwa secara parsial inflasi berpengaruh positif namun tidak signifikan terhadap profitabilitas dengan nilai koefisien sebesar 0,586584 dan probabilitas 0,2039. Suku bunga (BI Rate) berpengaruh positif namun tidak signifikan terhadap profitabilitas dengan nilai koefisien 0,021637 dan probabilitas 0,9807. Sementara itu, Non Performing Financing (NPF) berpengaruh negatif namun tidak signifikan terhadap profitabilitas dengan nilai koefisien -0,328638 dan probabilitas 0,3700. Secara simultan, variabel inflasi, BI Rate, dan NPF tidak berpengaruh signifikan terhadap profitabilitas Bank Umum Syariah yang ditunjukkan oleh nilai Prob F-statistic sebesar 0,369989 > 0,05. Selain itu, nilai Adjusted R-squared sebesar 0,007435 menunjukkan bahwa kemampuan ketiga variabel independen dalam menjelaskan variasi profitabilitas masih sangat rendah, sehingga terdapat faktor lain di luar model penelitian yang lebih memengaruhi profitabilitas Bank Umum Syariah di Indonesia.Temuan ini menunjukkan bahwa kondisi ekonomi makro dan pengelolaan risiko pembiayaan menjadi faktor penting dalam menentukan tingkat profitabilitas perbankan syariah. kata kunci : Inflasi, BI Rate, Non Performing Financing, Profitabilitas, Bank Umum Syariah.