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Credit Sensitivity and Banks Profitability Hardianto, Ari Nanda; Syafitri, Wildan
Contemporary Studies in Economic, Finance and Banking Vol. 5 No. 2 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

Credit sensitivity and profitability linkage among Indonesia Himpunan Bank Milik Negara (Himbara), consisting of Bank Mandiri, Bank Rakyat Indonesia (BRI), and Bank Negara Indonesia (BNI), is examined following the government’s IDR 200 trillion liquidity injection policy during the 2015–2024 period. This study uses panel data regression with 160 quarterly observations. The Common Effect Model is applied to Return on Assets (ROA), while the Fixed Effect Model with Least Square Dummy Variable and robust standard errors is used for Return on Equity (ROE) and Net Interest Margin (NIM). The results show that microcredit expansion positively affects ROA and ROE but reduces NIM. In addition, increases in the Micro Base Lending Rate consistently improve all profitability indicators. Non-Performing Loans (NPLs) are found to have the strongest negative effect on ROA and ROE, indicating that asset quality remains an important factor in banking profitability. The findings also suggest that liquidity stimulus alone is not sufficient to improve bank performance without effective credit risk management and operational efficiency. Excess liquidity may become counterproductive if it is not supported by stronger risk governance and selective lending practices.
ANALISIS DAMPAK ALOKASI ANGGARAN DESA DAN INFRASTRUKTUR DESA PADA TINGKAT KEMISKINAN DI KABUPATEN SEMARANG Nugraheni, Rahayu Sapta; Ananda, Candra Fajri; Syafitri, Wildan
Jurnal Ilmu Ekonomi dan Pembangunan Vol 18, No 2 (2018): Jurnal Ilmu Ekonomi dan Pembangunan
Publisher : EP FEB UNS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/jiep.v18i2.20668

Abstract

Although the level of poverty in Indonesia, especially in Semarang Regency has decreased significantly, there are two tendencies to be a concern. Since 2014 village budgets have been granted to villages with significant increases to finance rural development. However, it has not shown any real results. This study aims to analyze the aspects that affect the level of village poverty in Semarang Regency. The aspect is basic infrastructure consisting of market access, health access and educational access, population, village original revenue, transfer revenue (village fund, village fund allocation and tax revenue and local retribution share) and allocation of village expenditure consisting of village development expenditure, community development expenditure and community empowerment expenditure. The result of the study shows that the aspects researched are significantly influence the level of village poverty in Semarang Regency. Aspects that affect the level of poverty indicated by the Wald test results are health access, population, Village Original Revenue, allocation of development expenditure, allocation of community empowerment expenditure. Quadrant analysis result shows the comparison between Poverty Percentage to the amount of transfer revenue. The results are fairly even in the four quadrants. In Quadrant II there are 58 villages, with poverty percentage > 40 percent and low transfer income. In Quadrant III which means that the poverty level is low then the value of transfer income is also low with the number of villages is 57. The number of villages in quadrant I is 20 villages with high poverty and low transfer income. The villages in quadrant IV are 17 villages. The villages in quadrant IV are villages with high transfer revenue and also high poverty rates. The conclusion of this research is poverty indicator is no longer focused on economy but also concerning structural, institutional, health and government policy aspects. Development planning needs to be done better so that the village budget can be used as much as possible for the welfare and independence of the community. It is important to the villages to allocate more funds to the populist economic development sector.Keywords: Population, Infrastructure, Expenditure, Revenue, PovertyJEL Classification:H72, I38
Influence of Female Labor Force, Digitalization, and Unemployment on Poverty in Central Java Samudra, Ribka Widayati; Syafitri, Wildan
Journal of Development Economic and Social Studies Vol. 5 No. 3 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

Poverty in Central Java Province is linked to access to employment, education, and the use of digitalization. Therefore, this study aims to analyze the influence of Female Labor Force Participation (TPAKP), Average Years of Schooling for Women (RSLP), Digital Society Index (IMDI), and Open Unemployment Rate (TPT) on poverty in Central Java. This research is based on a quantitative approach through panel data regression in 35 regions during the 2022-2024 period. The results indicate that women's labor market participation, average years of schooling for women, and digital adaptability are significant, contributing to poverty reduction. Conversely, unemployment is significant and exacerbates poverty. These findings emphasize the importance of inclusive development through strengthening women's roles, equitable access to education, expanding digital literacy, and creating productive employment opportunities as sustainable strategies for poverty reduction in Central Java.  
Pengaruh Jalan Tol terhadap Pertumbuhan Ekonomi dan Distribusi Penduduk pada Kabupaten/Kota di Provinsi Jawa Timur Irawan Agus Jatmiko; Wildan Syafitri
JPNM Jurnal Pustaka Nusantara Multidisiplin Vol. 3 No. 4 (2025): December : Jurnal Pustaka Nusantara Multidisiplin (ACCEPTED)
Publisher : SM Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59945/jpnm.v3i4.854

Abstract

Pembangunan infrastruktur, terutama jalan tol, mempunyai peranan penting ketika memacu perkembangan ekonomi dengan meningkatkan konektivitas antar daerah. Jalan tol dapat menurunkan biaya transportasi, mempercepat pergerakan barang dan jasa, serta membuka peluang investasi baru. Proyek Jalan Tol Trans-Jawa, yang menghubungkan bagian barat dan timur pulau Jawa, memiliki dampak besar terhadap peningkatan jumlah penduduk dan distribusinya di kabupaten/kota yang dilalui. Peningkatan konektivitas ini mendorong urbanisasi, membuat masyarakat lebih mudah untuk pindah ke pusat ekonomi sepanjang jalur tol. Namun, redistribusi penduduk tidak selalu merata, dan beberapa wilayah masih mengalami ketimpangan dalam pertumbuhan. Penelitian ini bertujuan untuk menganalisis dampak pembangunan jalan tol terhadap pertumbuhan ekonomi dan distribusi penduduk di Jawa Timur, dan memberikan saran untuk pemerataan pembangunan yang berfokus pada infrastruktur.
Tourism, Wages, and Poverty in the Special Region of Yogyakarta Widyanirwasita, Gayatri; Syafitri, Wildan
Journal of Development Economic and Social Studies Vol. 5 No. 3 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

This research was conducted with the aim of determining the influence of Tourism, Minimum Wages, and Open Unemployment Rates on Poverty in districts/cities in the Special Region of Yogyakarta Province. The type of data used as the object of research in this study is panel data. The data in this study uses data from 5 Districts/Cities in the Special Region of Yogyakarta Province during the period 2013-2024. The data used are secondary data sourced from official institutions as the Central Statistics Agency (BPS) and Tourism Statistics by the Yogyakarta Provincial Tourism Office. This study was conducted with a quantitative approach using the panel data regression method. The findings in this study indicate that an increase in the Tourism sector and Minimum Wages will have an impact on reducing Poverty in districts/cities in the Special Region of Yogyakarta Province. On the other hand, an anomaly was found in the Open Unemployment Rate because it had no influence on poverty in districts/cities in the Special Region of Yogyakarta Province during the 2013-2024 period.
The Influence of Transfer to Local Government and Village Funds on Poverty and Village Development Azizah, Siti Nur; Syafitri, Wildan
Journal of Development Economic and Social Studies Vol. 5 No. 3 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

This study examines the impact of Regional Transfers (TKD) and Village Funds (DD) on poverty levels and village development in 29 districts in Central Java Province during the period 2019-2024. This study aims to evaluate the effectiveness of fiscal decentralization policies in supporting poverty alleviation and village empowerment efforts through an analysis of DAU, Physical and Non-Physical DAK, and DBH. Poverty levels are measured based on the number of poor people, while village development is measured using the Village Development Index. Quantitative methods were applied with panel data analysis through FEM regression and 2SLS simultaneous estimation to test the causal relationship between variables. The findings of this study reveal that DAU and DBH are effective in reducing poverty, while Non-Physical DAK and Village Funds contribute positively to village development. In addition, a significant reciprocal relationship between poverty and village development was revealed. The results of this study reinforce the theory of fiscal decentralization while providing recommendations for the formulation of more effective fiscal transfer policies in Indonesia.
Analyzing academic acceptance of artificial intelligence using extended technology acceptance model Nanang Suryadi; Abdurrahman Hakim; Adelia Shabrina Prameka; Wildan Syafitri; Muhammad Irfan Islami
IAES International Journal of Artificial Intelligence (IJ-AI) Vol 15, No 4: August 2026
Publisher : Institute of Advanced Engineering and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11591/ijai.v15.i4.pp3090-3102

Abstract

This study aims to analyze the acceptance of artificial intelligence (AI) technology among Indonesian academics using extended technology acceptance model (TAM). The analysis involved general extended technology acceptance model for e-learning (GETAMEL) independent variables, which include subjective norm (SN), experience (EXP), enjoyment (ENJOY), computer anxiety (CA), and self-efficacy (SE), as well as mediator variables: perceived usefulness (PU) and perceived ease of use (PEOU). This study uses technology innovations (TI) as moderator variable and behavioral intention (BI) as a dependent variable. The analysis reveals that SN has a significant influence over PU but not PEOU. ENJOY and SE have a significant positive influence over both PU and PEOU, while EXP and CA don’t have a significant influence over both variables. PU and PEOU have a significant positive influence over BI. TI strengthens the relation between PU and BI, but weakens the relation between PEOU and BI. This finding provides an important outlook for developing a strategy to increase the acceptance of AI technology in the academic environment through an approach that takes into account the factors of pleasure, self-confidence, and TI.
Co-Authors Adelia Shabrina Prameka Afala, La Ode Machdani Affandi, Hafis Demas Afid Nurdian Syah Agus Suman Agus Susilo AKP, Rhamadhany Amalia, Adzania Putri Amran Rasli, Amran Ananta, Hadyan Arya Anwar Ardiansyah, Fariz Nur Athoillah, Moh. Awinda, Siti Nur Arliya Axellina Muara Setyanti Axellina Muara Setyanti, Axellina Muara Bahtiar Fitanto Bahtiar Fitanto Bintoro, Nugroho Suryo Bramantyo, Dio Bagus Cahyani Novianti, Ardiah Salsabila Cahyono, Erwin Candra Aji Kusuma Candra Asih, Putri Galuh Candra Fajri Ananda Catur Wulandhari Oktavina Choirul Okviyanto Christiayu Natalia Citra Rahayu Indraswari, Citra Rahayu Clarissa Adventri Clarissa Sekar Anindya Devanto Pratomo Devanto Shasta Pratomo Dhani, Haris Rama Dio Bagus Bramantyo Eddy Suprapto Elia Nurul Mahmudah Erdiansyah ' Erdianto ' Erni Ambarwati Evie Dian Pratiwi Fariz Nur Ardiansyah Fatmawati, Inma Fauji, Zihan Fawwaz, Muhammad Ferry Sutiono Fika Sumule Finuliyah, Firdaus Firdaus Finuliyah Hafis Demas Affandi Hakim, Abdurrahman Hardianto, Ari Nanda Imamia, Tsumma Lazuardini Inma Fatmawati Irawan Agus Jatmiko Irfan Raharjo Jatmiko, Irawan Agus Katili, Annisa Pratiwi Khoiruddin, Muhammad Afif Khusnul Ashar Khusnul Ashar Komang, Indora Yusakobus Krisnando, Anselmus Marsvento Satrya Kusuma, Candra Aji Lukman Hakim Lumbanraja, Tricia M. Fauzan Elva Said M. Pudjihardjo Marlina Ekawati Maryunani Maryunani Masulliya, Fadilla Mawarni, Sherina Indah Mhd. Daffa Alzahri Miftahul Surur Muhammad Irfan Islami Multifiah . Munawar Ismail Musdar Muhammd mustajaabah, risq Nabilah, Naurah Nanang Suryadi Nik Atul Latipah Norasida, Azira Nugraheni, Rahayu Sapta Nugroho Suryo Bintoro Nugroho Suryo Bintoro Nurissalsabila, Ningrum Nurul Izza Rachmad Kresna Sakti Radeetha Radeetha Ramadhina, Siti Rara Firstia Putri Utomo Refa Dita Praskagitalokananta Reika Happy Sugiastuti Rhamadhany AKP Rizaldi, Muhammad Samudra, Ribka Widayati Sari, Mega Mustika Sari, Mega Mustika Setyanti, Axellina M Shierly Sephiani Silvi Asna Prestianawati Silvia Luthfiyah Ghinastri Siti Nur Azizah, Siti Nur Sukatin, Sukatin Sulistyo, Tito Suseno, Vimbyarno Purbo Tamin, Alysha Kadeezah Akmal Tamin, Annaurah Kireina Akmal Tasmilah Tasmilah Tasmilah Tasmilah, Tasmilah Tri Andias Widyanirwasita, Gayatri Wijaksono, Rana Adhiella Yahya, Carissa Marisa Zhahirah, Nasywa Zihla Hasnatul Layli