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All Journal Signifikan : Jurnal Ilmu Ekonomi Jurnal Penelitian Ekonomi dan Bisnis Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan
Malik Cahyadin
Faculty of Economics and Business Universitas Sebelas Maret
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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FAKTOR-FAKTOR PENENTU DANA PIHAK KETIGA BANK UMUM SYARIAH DI INDONESIA TAHUN 2010-2017 Agusti Nia Aghnawati; Malik Cahyadin
Jurnal Penelitian Ekonomi dan Bisnis Vol 4, No 2 (2019): Jurnal Penelitian Ekonomi dan Bisnis
Publisher : Universitas Dian Nuswantoro Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33633/jpeb.v4i2.2552

Abstract

Perkembangan dana pihak ketiga (DPK) Bank Umum Syariah (BUS) cenderung  meningkat setiap tahun. Peningkatan ini diharapkan relevan dengan peningkatan kinerja keuangan usahanya. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhi dana pihak ketiga Bank Umum Syariah di Indonesia pada tahun 2010-2017. Metode analisis data menggunakan data panel dengan Random Effect Model (REM). Metode ini dipilih sebagai model terbaik berdasarkan Uji Chow, Uji Hausman, dan Uji Lagrange Multiplier. Data penelitian ini terdiri atas time series sebanyak 8 tahun dan cross section sebanyak 10 BUS. Sumber data penelitian diperoleh dari Bank Indonesia (BI) dan Otoritas Jasa Keuangan (OJK). Variabel independen dalam penelitian ini adalah bagi hasil, biaya promosi, dan jumlah kantor layanan. Hasil penelitian ini menunjukkan bahwa selama periode penelitian bagi hasil, jumlah kantor layanan, dan biaya promosi berpengaruh positif dan signifikan terhadap DPK BUS. Selain itu, hasil uji koefisien determinasi (R2) yaitu sebesar 0.869811. Hal tersebut menunjukkan bahwa sebesar 86.9811% variasi variabel dependen dijelaskan oleh variasi variabel independen. Untuk itu, BUS dapat mengkaji ulang penetapan tingkat bagi hasil, biaya promosi dan jumlah kantor layanan untuk mendorong capaian dana pihak ketiga secara progresif.
Do Non-Economic Factors Effect Village Fund? Lely Ratwianingsih; Malik Cahyadin; Sutomo Sutomo
Signifikan: Jurnal Ilmu Ekonomi Vol 9, No 1 (2020)
Publisher : Faculty of Economic and Business Syarif Hidayatullah State Islamic University of Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v9i1.14056

Abstract

The Government has enacted Law Number 6/2014 concerning Villages. One policy included in that Law is the provision of Village Funds (Dana Desa) in which its implementation can be investigated based on non-economic aspects. For this reason, this study aims to analyze the impact of non-economic factors on Village Funds disbursed in 29 districts in Central Java Province. These factors include population and the Human Development Index (HDI). While using secondary data from 2015-2017, this research employs a method using panel data with the best model known as the Fixed Effects Model (FEM). The FEM estimation results show that the population has a significant impact, while HDI's impact is not significant. Besides, the ratio between Village Funds and the population has a significant impact on Village Funds. Thus, both the Central and the Regional Government, as well as the Village Heads, should consider the population in allocating Village Funds. The contribution of this study is that the Government should formulate an appropriate policy for Village Funds allocation by considering non-economic factors in each village.JEL Classification: O10, O23, E62How to Cite:Ratwianingsih, L., Cahyadin, M., & Sutomo. (2020). Do Non-Economic Factors Affect Village Funds?. Signifikan: Jurnal Ilmu Ekonomi, Vol. 9(1), 93-106. doi: http://dx.doi.org/10.15408/sjie.v9i1.14056.
Linkages between Dynamic Financial Inclusion and Institutions in ASEAN 8 Tunjung Sekar Laksmi Pandhit; Malik Cahyadin
Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Vol 21, No 2 (2020): JEP 2020
Publisher : Muhammadiyah University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jep.v21i2.11146

Abstract

Financial inclusion becomes a priority concern with governments in ASEAN countries such as reduce the  lack  of  access  for  public  to  formal  financial  institutions.  Moreover,  there  is  an  empirical  gap  of linkages between institutions and financial inclusion. Thus, the study aims to estimate the effect of institutions on dynamic financial inclusion. Three financial inclusion indicators are employed, namely: debit card ownership, credit card ownership, and domestic credit to GDP ratio. Institutional indicators consist of six indicators following world governance indicators. The research observations are about 88 consisting of cross-sections were eight of ASEAN countries and the time series was 2008-2018. Indeed, a dynamic panel data was employed. In general, the findings exhibit that FEM is the appropriate model under Hausman test. Specifically, debit card ownership and credit card ownership were determined by voice and accountability, and rule of law while domestic credit to GDP ratio was determined by some indicators of institutions such as voice and accountability, political stability, regulatory quality, and control of corruption. Hence, the policy implications were directed to improve the quality of institutions both country and ASEAN levels. The high quality of institutions will stimulate the acceleration and expansion of financial inclusion in ASEAN countries.
The Readiness of Islamic Banking in Indonesia to Implement Digital and Green Banking Malik Cahyadin; Tamat Sarmidi; Elsa Adelia Nurrachma
Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Vol 20, No 2 (2019): JEP 2019
Publisher : Muhammadiyah University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jep.v20i2.6757

Abstract

This study aims to analyze: (a) the relationship between Islamic banking asset and financing, ICT Index, and Environmental quality index in Indonesia; and (b) the readiness level of Islamic banking in Indonesia to implement digital and green banking. The data used are asset growth, financing growth, IDI and IKLH. Period of data used is annual from 2010-2016. Methods of data analysis include descriptive statistics, correlation and Granger causality test. The results show that: (a) asset and financing of Islamic Banking have correlation/causality with IDI and IKLH; and (b) the readiness level of digital banking is 3 while the readiness level of green banking is 1. Islamic banking in Indonesia has utilized ICT in asset management and financing. Meanwhile, Islamic banking has not been able to play an active role in controlling the environmental impact of financial transactions. The recommendation of this research is OJK should set periodization of digital and green banking implementation in Islamic banking supported by DSN-MUI fatwa. OJK could also establish the index of digital and green banking in Indonesia Islamic banking.
Public Debt and Budget Deficit Threshold Levels on New Fiscal Sustainability Indicator Malik Cahyadin; Tamat Sarmidi; Norlin Khalid; Siong Hook Law
Signifikan: Jurnal Ilmu Ekonomi Vol 12, No 1 (2023)
Publisher : Faculty of Economic and Business Syarif Hidayatullah State Islamic University of Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v12i1.31005

Abstract

Fiscal sustainability can be determined and assessed using financial technology (FinTech). Consequently, a new indicator of fiscal sustainability can be constructed. This study also estimates threshold levels of public debt and budget deficit by considering institutions for 88 developing and 35 developed countries in 2014 and 2017. The principal component analysis (PCA) and the cross-section threshold regression are employed. The main findings revealed that the threshold levels of public debt-to-GDP ratio for developed and developing countries in 2014 were 100.37% and 63.04%, while that in 2017 were 90.09% and 84.28%, respectively. Moreover, the threshold levels of budget deficit-to-GDP ratio for developed and developing countries in 2014 were -3.04% and -1.24%, while those in 2017 were -0.97% and -5.75%, respectively. Therefore, policymakers should emphasize a certain public debt and budget deficit level to warrant a fiscally sustainable level.JEL Classification: C13, E62, H60 How to Cite:Cahyadin, M., Sarmidi, T., Khalid, N. & Law, S. H. (2023). Public Debt and Budget Deficit Threshold Levels on New Fiscal Sustainability Indicator. Signifikan: Jurnal Ilmu Ekonomi, 12(1), 97-116. https://doi.org/10.15408/sjie.v12i1.31005.
Co-Authors Agusti Nia Aghnawati Elsa Adelia Nurrachma Lely Ratwianingsih Norlin Khalid Siong Hook Law Sutomo Sutomo Tamat Sarmidi Tamat Sarmidi Tunjung Sekar Laksmi Pandhit