Claim Missing Document
Check
Articles

Found 12 Documents
Search

KETIMPANGAN PEMBANGUNAN DI PULAU SULAWESI Muhammadinah Muhammadinah
Jurnal Riset Ilmu Ekonomi Vol. 3 No. 2 (2023): Jurnal Riset Ilmu Ekonomi (JRIE) Edisi Agustus 2023
Publisher : Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jrie.v3i2.57

Abstract

Inequality in development arises as a result of demographic differences between regions and is added to the fact that it is not balanced with the principles of justice and equity. The purpose of this study is to see the effect of HDI and poverty levels on development inequality in Sulawesi Island. The population of all provinces on Sulawesi Island is 6 Provinces where all were taken as samples with a 12-year study period from 2011 – 2022. The analytical method uses multiple linear regression with hypothesis testing, namely the t-test and F-test. The results obtained partially HDI has an influence on development inequality, while poverty has no effect on development inequality. But simultaneously the HDI and the poverty rate have an influence on development inequality.
Nonperforming financing sebagai penentu utama financial distress Muhammadinah Muhammadinah
Vikara: Student Academic Journal of Business and Management Vol. 1 No. 3 (2026): Vikara: Student Academic Journal of Business and Management
Publisher : Universitas Kristen Maranatha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28932/vikara.v1i3.14944

Abstract

Financial distress in Islamic banks has become an important issue in maintaining financial stability and resilience. This study aims to identify the determinants of financial distress in Indonesian Islamic banks using panel regression analysis. The Hausman test was employed to select the appropriate model, and the random effect (RE) model was found to be the most suitable. The results reveal that nonperforming financing (NPF) has a significant positive effect on financial distress, while financing to deposit ratio (FDR) and operating expenses to operating income (BOPO) show no significant influence. These findings highlight that financing quality is the dominant factor in explaining distress, reinforcing the RGEC and CAMELS frameworks that emphasize asset quality as a key indicator of bank health. The study concludes that controlling problematic financing is crucial for sustaining Islamic banking stability. Policy implications suggest that the Financial Services Authority (OJK) should strengthen supervision of NPF ratios through an effective early warning system, while Islamic banks need to enhance risk management, credit analysis, and governance practices. Academically, this study enriches the literature on Islamic banking distress in Indonesia and provides new perspectives for global comparative studies. Limitations include the relatively small sample size and short observation period, and future research is recommended to expand data coverage and incorporate additional variables such as profitability, governance, and macroeconomic factors.