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All Journal Jurnal Ekonomi Pembangunan Signifikan : Jurnal Ilmu Ekonomi JURNAL ECONOMIA Journal of Indonesian Economy and Business Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan JPBM (Jurnal Pendidikan Bisnis dan Manajemen) Panrita Abdi - Jurnal Pengabdian pada Masyarakat Hasanuddin Economics and Business Review Jurnal Riset Manajemen dan Bisnis (JRMB) Fakultas Ekonomi UNIAT International Research Journal of Business Studies (E-Journal) Jurnal Pengabdian Pada Masyarakat Journal of Socioeconomics and Development CARADDE: Jurnal Pengabdian Kepada Masyarakat Jurnal Inovasi Hasil Pengabdian Masyarakat (JIPEMAS) Jurnal Aplikasi Akuntansi Abdimas Universal INTEGRITAS : Jurnal Pengabdian Journal of Environmental Science and Sustainable Development Jurnal Ekonomi Pembangunan International Journal of Qualitative Research Bina Ekonomi: Majalah Ilmiah Fakultas Ekonomi Universitas Katolik Parahyangan Unram Journal of Community Service (UJCS) Journal of Applied Business, Taxation and Economics Reseach Jurnal Ekonomika dan Bisnis Islam International Journal of Humanities Education and Social Sciences Perbanas Journal of Islamic Economics and Business Buletin Ekonomika Pembangunan Economics and Business Journal Jurnal Ekonomi, Bisnis dan Pendidikan (JEBP) Economic Development Analysis Journal Nusantara Economics and Entrepreneurships Journals International Journal of Economics, Business and Innovation Research International Research Journal of Business Studies IECON: International Economics and Business Conference Global Educational Research Review Ecoducation Optimum: Jurnal Ekonomi dan Pembangunan Jejak: Jurnal Ekonomi dan Kebijakan Harmoni Economics: International Journal of Economics and Accounting
Inayati Nuraini Dwiputri
Universitas Negeri Malang
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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FINANCIAL TECHNOLOGY AND DEMOGRAPHIC FACTORS ON WELFARE ANALYSIS Grisvia Agustin; Muhammad Hasyim Ibnu Abbas; Inayati Nuraini Dwiputri; Lustina Fajar Prastiwi
Hasanuddin Economics and Business Review VOLUME 6 NUMBER 1, 2022
Publisher : Faculty of Economics and Business, Hasanuddin University, Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26487/hebr.v6i1.3290

Abstract

Financial technology is very useful in facilitating financial transactions worldwide. It was created to make getting funds and managing finances easier, which can improve people’s welfare. However, it also poses a threat in the form of loans from financial technology lending companies that are not licensed and illegally operate so that customers can be bound by huge interest rates and terrorized by debt collectors. Therefore, this study aims to analyze literacy about financial technology and demographic factors that affect welfare. The analysis results show that most respondents are still ignorant or do not understand the benefits of fin-tech for improving their welfare, and the respondents’ welfare is only affected by age. Although 92% of respondents have savings, these savings do not use fin-tech. Fin-tech is still seen as something that plunges like a shark loan trap, so most respondents still avoid fin-tech for their financial management. Respondents still do not use fin-tech optimally and urgently need education and socialization related to fin-tech.
Peran Program Cicilan Emas dalam Perencanaan Keuangan Calon Jamaah Haji Fadillah Khairunnisah; Ahmad Jimmy Al Shidiq; Achmad Yazid Luthfi; Inayati Nuraini Dwiputri
Perbanas Journal of Islamic Economics and Business Vol 6 No 1 (2026): Perbanas Journal of Islamic Economics and Business
Publisher : Institut Keuangan-Perbankan Dan Informatika Asia Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/pjieb.v6i1.356

Abstract

Penelitian ini mengkaji peran Program Cicilan Emas di Bank Syariah Indonesia (BSI) KCP Lumajang sebagai strategi perencanaan keuangan bagi calon jamaah haji. Meningkatnya biaya penyelenggaraan ibadah haji menuntut persiapan keuangan yang terstruktur, khususnya bagi masyarakat usia produktif. Penelitian ini bertujuan untuk menganalisis mekanisme implementasi skema cicilan emas berbasis akad murabahah serta mengevaluasi kesesuaiannya dengan prinsip-prinsip keuangan Islam. Penelitian menggunakan pendekatan kualitatif dengan metode studi kasus, dengan pengumpulan data melalui wawancara, observasi, dan dokumentasi yang melibatkan pegawai BSI serta peserta Program Cicilan Emas. Hasil penelitian menunjukkan bahwa Program Cicilan Emas berperan dalam mendukung perencanaan keuangan haji melalui mekanisme pembiayaan yang transparan, bebas riba, dan berorientasi pada perlindungan nilai aset, serta selaras dengan kerangka maqashid syariah, khususnya hifdz al-din dan hifdz al-mal. Kebaruan penelitian ini terletak pada kajian empiris mengenai peran Program Cicilan Emas sebagai strategi perencanaan keuangan haji yang dianalisis dari perspektif implementasi lembaga dan pengalaman peserta, yang masih relatif terbatas dalam kajian keuangan syariah.
The Effect of DPK, NPF, and FDR on the Profitability of Islamic Banking in Indonesia Yohan Ari Sandi Ramadhan; Inayati Nuraini Dwiputri
Perbanas Journal of Islamic Economics and Business Vol 6 No 2 (2026): Perbanas Journal of Islamic Economics and Business
Publisher : Institut Keuangan-Perbankan Dan Informatika Asia Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/pjieb.v6i2.397

Abstract

Penelitian ini dimaksudkan untuk membuktikan pengaruh DPK, NPF, FDR, CAR, dan Pembiayaan Mudharabah terhadap fluktuasi profitabilitas perbankan berbasis syariah yang beroperasi di Indonesia selama kurun tahun 2020–2024. Penelitian ini dibantu oleh data sekunder yang diperoleh dari laporan keuangan perusahaan yang dirilis oleh lembaga perbankan syariah. Pendekatan kuantitatif digunakan, dan analisis regresi linear berganda diterapkan guna membuktikan keterkaitan antar variabel. Profitabilitas dikuantifikasi dengan memanfaatkan Return on Assets (ROA) dan Return on Equity (ROE) untuk memberikan gambaran yang komprehensif mengenai kinerja keuangan. Analisis data menunjukkan bahwa DPK dan FDR memperlihatkan pengaruh yang positif dan signifikan terhadap ROA dan ROE. Sementara itu, CAR memiliki pengaruh positif dan signifikan terhadap ROE, namun tidak signifikan terhadap ROA. Pembiayaan Mudharabah berpengaruh signifikan terhadap ROA, namun tidak berpengaruh terhadap ROE. Sementara itu, NPF tidak menunjukkan adanya signifikansi terhadap kedua indikator profitabilitas. Pembiayaan Musyarakah dikeluarkan dari model karena adanya masalah multikolinearitas yang teridentifikasi selama pengujian. Pengujian secara simultan menunjukkan adanya pengaruh signifikan dari seluruh variabel independen terhadap profitabilitas. Temuan ini menunjukkan bahwa pengelolaan rasio keuangan yang efektif memiliki peran penting dalam meningkatkan profitabilitas perbankan syariah di Indonesia.
Heterogeneity of Inclusive Green Growth and Institutions: Spatial Evidence from BRICS Plus Binta Zulfia; Etty Soesilowati; Inayati Nuraini Dwiputri
JEJAK Vol. 18 No. 2 (2025): September 2025
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jejak.v18i2.34203

Abstract

This study analyzes the dynamics of Inclusive Green Growth (IGG) and institutions in BRICS countries through descriptive analysis and clustering. Using post-pandemic cross-sectional data, the Inclusive Green Growth Index (IGGI) and Balanced Inclusive Green Growth Index (BIGGI) are calculated based on three pillars: economy, social equity, and environment. The results show that although economic and social performance is quite good, environmental performance is relatively weaker in BRICS countries. BIGGI reveals that economic growth in some countries often exceeds environmental sustainability. In the cluster analysis using hierarchical clustering through Ward's method, three distinct groups of countries were identified.  The first cluster (China, Russia, Brazil, Iran) represents large emerging economies that depend on natural resources with governance and environmental challenges. Group 2 (Ethiopia, Egypt, South Africa, India) consists of developing countries experiencing rapid growth but constrained by social, environmental, and institutional weaknesses. Group 3 (United Arab Emirates) has effective governance and strong social indicators but faces severe environmental pressures and limited democratic performance. This finding highlights the heterogeneity of BRICS Plus in terms of IGG and institutionalism. Environmental and development cooperation within BRICS Plus must adopt strategies tailored to the challenges of each group to ensure progress toward inclusive and sustainable development.
Co-Authors Abbas, Muhammad Hasyim Ibnu Abd Majid, Mohamad Zuber Abdul Azis Abdul Azis Achmad Yazid Luthfi Aditya Pratama Agus Sumanto Agus Sumanto Ahmad Jimmy Al Shidiq Akhmad Makhfatih Albertus Girik Allo Andy Prasetyo Wati Anggraeni, Dea Annisya Annisya' Annisya, Annisya Annisya’, Annisya’ Aprioyono, Achmad Berlian, Salshabila Binta Zulfia Cenny Julitasari Timur Dea Anggraeni Dian Rachmawati Dian Wahyuningsih Difa(1), Farach Difa, Farach Difa, Farach Dwi Wulandari Dwi Wulandari Endang Sri Andayani Ermita Yusida Etty Soesilowati Ezra Oktiano Prasetja Fadillah Khairunnisah Fanisa, Tania Putri Febry Wijayanti Firman, Akmad Firmansyah, Fajar Fitjriyah, Alya Ryanti Grisvia Agustin Handayani, Sri Harbani, Parikesit Sukma Ilyas Ilyas Ilyas Ilyas Imam Mukhlis Isalman, Isalman Isupova, Ekaterina Khasanah(3), Uswatun Khasanah, Uswatun La Ode Anto, La Ode Anto Lestari, Wiji Indah Linda Seprillina Lustina Fajar Prastiwi Makhfatih, Akhmad Makhfatih, Akhmad Marcus Maspaitella Markhamah, Siti Muhammad Syam Kusufi Nadila Dwi Adika Nidya Ayu Setya Ningrum Niken Ningtiyas Ningrum, Linda Agustin Nuni Budi Prastiwi Nur Anita Yunikawati Nurinda, Mei Sulfia Prasetiyani, Erni Prastiwi, Nuni Budi Putra Hilmi Prayitno Qodri, Lutfi Asnan Risdia Intan Fajarisa Rizky Dwi Putri Rizza Megasari Roosyidah, Naafi'atul Santi Merlinda Sembiring, Rinawati Sri Handayani Sri Umi Mintarti Supriadi Thomas Soseco Vidya Purnamasari Vina Dewi Natasari Wahjoedi Wahjoedi Wahyuningsih, Rani Destia Wiwin Hartanto Yoga, Andriawan Yohan Ari Sandi Ramadhan Yudistira Hendra Permana Zakaria, Muhammad Rizki Zulfia, Binta