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All Journal Jurnal Ilmiah Econosains Jurnal Pendidikan Ekonomi & Bisnis Ekopedia: Jurnal Ilmiah Ekonomi Indonesia Economic Journal Jurnal Ilmiah Ekonomi dan Manajemen Indonesia
H Herlitah
Fakultas Ekonomi - Universitas Negeri Jakarta
Economics, Econometrics & Finance Education

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Pengaruh BI Rate, Kredit Perbankan, dan Pertumbuhan Ekonomi terhadap Stabilitas Sistem Keuangan di Indonesia pada Periode 2015–2025 Safira Azzahra; Herlitah Herlitah; Saparuddin Mukhtar
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 3 (2026): JULI-SEPTEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/xfxaha32

Abstract

This study aims to analyze the effect of BI Rate, bank credit, and economic growth on the Financial System Stability Index (FSSI) in Indonesia during the 2015–2025 period. The research uses a quantitative approach with multiple linear regression analysis using the Ordinary Least Squares (OLS) method on time series data. The results show that the BI Rate has a positive but not significant effect on FSSI (probability 0.3804 > 0.05), indicating that changes in the policy interest rate do not directly determine financial system stability due to the monetary transmission lag. Bank credit has a negative and significant effect on FSSI (probability 0.0002 < 0.05), reflecting that credit distribution during the research period still functions as a driver of financial intermediation that supports economic activity, thereby reducing pressure on the financial system. Economic growth has a positive but not significant effect on FSSI (probability 0.8064 > 0.05), suggesting that economic growth has not been a primary factor explaining changes in financial system stability. Simultaneously, BI Rate, bank credit, and economic growth significantly affect FSSI (F-statistic 6.263185; probability 0.001377). The R² value of 0.319607 indicates that these three variables explain 31.96% of FSSI variations, while the remaining 68.04% is influenced by other factors outside the model, such as inflation, exchange rates, credit risk, liquidity, and global economic pressures.    
Pengaruh Pendidikan, Rasio Belanja Modal dan Pekerja Informal terhadap Tingkat Kemiskinan di Provinsi Nusa Tenggara  Timur Tahun 2019-2024 dengan Covid-19  sebagai Variabel Dummy Hesti Dwi Kurnianti; Herlitah Herlitah; Saparuddin M
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 3 (2026): JULI-SEPTEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/wzjdrk93

Abstract

This study aims to analyse the effect of education, capital expenditure, informal workers, and the COVID-19 pandemic on the poverty rate in East Nusa Tenggara Province during the 2019–2024 period. A quantitative approach was applied using panel data regression analysis with a census technique on the entire population of 22 regencies/cities, yielding 132 observations. Utilizing secondary data from BPS and DJPK, the analysis included classical assumption tests, multiple linear regression, and hypothesis testing. The results indicate that education and informal workers have a negative and significant effect on poverty levels. Education improves community productivity, while, the informal sector still serves as the primary source of livelihood for people in East Nusa Tenggara Province. Conversely, capital expenditure does not have a significant impact on poverty because its effectiveness depends not only on the size of the budget, but also on the quality of management and the development benefits generated. Meanwhile, the COVID-19 pandemic had a positive and significant effect on increasing poverty due to economic disruptions and job losses. These findings imply the need for integrated policies prioritizing education quality, informal sector empowerment, capital expenditure effectiveness, and social protection. Future studies are recommended to add relevant variables such as the human development index, unemployment, or income inequality, and to extend the research period to comprehensively capture long-term impacts.
Pengaruh Risiko Kredit, Kecukupan Modal, dan Likuiditas terhadap Profitabilitas Bank Konvensional yang Terdaftar di Bursa Efek Indonesia Tahun 2019-2024 Ranti Amelia Suardi; Saparuddin M; Herlitah Herlitah
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 3 (2026): JULI-SEPTEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/z2q5pm60

Abstract

This study analyzes the effect of credit risk (NPL), capital adequacy (CAR), and liquidity (LDR) on profitability (ROA) of conventional banks listed on the Indonesia Stock Exchange for the 2019-2024 period. Using a quantitative approach with panel data regression and Random Effect Model, the sample consists of 33 banks with 198 observations. The results show that NPL has a negative and significant effect on ROA with a coefficient of -0.328903 (p-value 0.0000), indicating that increased non-performing loans force banks to raise loan loss provisions, ultimately reducing net income. CAR shows a positive but insignificant effect with a coefficient of 0.005816 (p-value 0.3843), suggesting that maintaining a high capital buffer does not automatically improve profitability if capital is not deployed productively. Similarly, LDR shows a positive but insignificant effect with a coefficient of 0.008889 (p-value 0.0820), implying that aggressive lending without adequate credit quality may not yield expected profit improvement. Simultaneously, NPL, CAR, and LDR significantly affect ROA with F-statistic probability of 0.000000. The R² of 0.191442 indicates that the three variables explain 19.14% of profitability variation, while the remaining 80.86% is explained by other factors outside the model.
Dampak Tingkat Pendidikan, Partisipasi Angkatan Kerja, Struktur Ketenagakerjaan, dan Ketimpangan Pendapatan terhadap Populasi Kelas Menengah Indonesia Bayu Try Haryanto; Herlitah Herlitah; Saparuddin M
Jurnal Ilmiah Ekonomi dan Manajemen Indonesia Vol. 2 No. 2 (2026): JULI-DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/aefct738

Abstract

This study analyzes the influence of education level, labor force participation rate (LFPR), employment structure proxied by formal employment percentage, and income inequality on the middle-class population in Indonesia using the Error Correction Model (ECM) approach for the 2004–2025 period. The results indicate a cointegration relationship between variables with a significant Error Correction Term (ECT) of -0.6421, meaning that 64.21% of short-term imbalances can be corrected within one period toward long-term equilibrium. Education has no significant effect in the short run but shows a positive influence in the long run, confirming that education remains an important pathway for economic mobility. LFPR shows no significant effect in either the short or long run, indicating that increased labor participation without improved job quality is insufficient to expand the middle class. Formal employment has a positive and significant effect in the long run, suggesting that structural transformation toward the formal sector strengthens middle-class growth. Interestingly, the Gini index shows a positive and significant effect in the long run, reflecting that middle-class growth in developing countries can occur alongside rising inequality due to unequal access to economic opportunities. Overall, the dynamics of Indonesia's middle class are more determined by long-term structural transformation through education, formal employment expansion, and equitable access to economic opportunities, rather than short-term economic growth alone.
Pengaruh Literasi Keuangan, Kemudahan Penggunaan, dan Risiko Penggunaan terhadap Keputusan Penggunaan Dompet Digital DANA pada Pekerja di DKI Jakarta Rayhannevi Rayhannevi; Saparuddin Mukhtar; Herlitah Herlitah
Jurnal Ilmiah Ekonomi dan Manajemen Indonesia Vol. 2 No. 2 (2026): JULI-DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/waqpp114

Abstract

This study aims to analyze the effect of financial literacy, perceived ease of use, and perceived risk on the usage decision of the digital wallet DANA among workers in DKI Jakarta. A quantitative approach with a causal research design was employed, involving 150 respondents selected using purposive sampling. Data were collected through online questionnaires and analyzed using IBM SPSS Statistics, including validity and reliability tests, classical assumption tests, multiple linear regression, and hypothesis testing. The findings indicate that financial literacy, perceived ease of use, and perceived risk have a positive and significant effect on usage decision, both partially and simultaneously. Financial literacy was identified as the most dominant variable influencing usage decision, followed by perceived ease of use and perceived risk. The coefficient of determination (R²) showed that the three independent variables jointly explained 66,5% of the variation in usage decision, while the remaining 33,5% were explained by other factors outside the model, such as perceived usefulness, trust, or social influence. These findings support the Human Capital Theory and the Technology Acceptance Model (TAM), suggesting that the decision to use DANA among workers in DKI Jakarta is driven not only by financial literacy but also by ease of use and manageable risk perception. This study contributes to the understanding of consumer behavior in the context of digital payment systems and provides practical insights for digital wallet providers and regulators in designing more effective strategies to encourage sustainable usage. 
Pengaruh Pendapatan dan Toleransi Risiko terhadap Keputusan Investasi pada Karyawan Generasi Z di Jakarta Pusat dengan Kontrol Diri sebagai Variabel Moderasi Ariani Eka Artanti; Saparuddin Saparuddin; Herlitah Herlitah
Jurnal Ilmiah Ekonomi dan Manajemen Indonesia Vol. 2 No. 2 (2026): JULI-DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/anz9mq44

Abstract

This study aims to analyze the influence of income and risk tolerance on investment decisions among Generation Z employees in Central Jakarta, with self-control as a moderating variable. This research uses a quantitative approach with an associative causal design. The sample consists of 135 Generation Z employees selected using purposive sampling. Data were collected through questionnaires and analyzed using Partial Least Squares-Structural Equation Modeling (PLS-SEM) with SmartPLS 4.1. The results show that income has a positive and significant effect on investment decisions (β = 0.368; T = 9.274; p = 0.000), and risk tolerance also has a positive and significant effect on investment decisions (β = 0.244; T = 5.871; p = 0.000). Self-control moderates the effect of income on investment decisions positively and significantly (β = 0.144; T = 4.202; p = 0.000), and also moderates the effect of risk tolerance on investment decisions positively and significantly (β = 0.161; T = 4.198; p = 0.000). The R-Square value of 0.873 indicates that all variables explain 87.3% of investment decisions. These findings confirm that income and risk tolerance are important factors, while self-control strengthens their influence on investment decisions.
Pengaruh Dinamika Makroekonomi Terhadap Non-Performing Financing Perbankan Syariah di Indonesia: Pendekatan Non-Linear Autoregressive Distributed Lag (NARDL) Periode 2015-2025 Fahriza Diani Jati; Herlitah Herlitah; Siti Fatimah Zahra
Ekopedia: Jurnal Ilmiah Ekonomi Vol. 2 No. 1 (2026): JANUARI-MARET
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/7z44yd14

Abstract

This study aims to investigate the dynamic and asymmetric responses of Islamic banking financing risk (Non-Performing Financing/NPF) in Indonesia to macroeconomic variable shocks, specifically Economic Growth (IPI), Inflation, and Exchange Rate. This research is motivated by the urgency of risk mitigation amidst the post-pandemic "pseudo-stability" phenomenon and the inconsistency of prior literature findings dominated by linear approaches. Such conventional approaches are considered less accurate in capturing the behavior of fluctuating macroeconomic variables. The unit of analysis is the national Islamic banking industry using monthly time-series data from January 2015 to September 2025. The data analysis technique employs the Non-Linear Autoregressive Distributed Lag (NARDL) estimation, which decomposes independent variables into positive and negative shock components, complemented by the Wald Test for statistical asymmetry validation and the Error Correction Term (ECT) to measure adjustment speed. The results reveal variable-specific patterns: (1) Economic Growth (IPI) exhibits a dominant negative effect but is symmetric, indicating that the profit-loss sharing mechanism effectively distributes risk proportionally according to the business cycle; (2) Inflation has no significant long-term effect, proving the resilience of Islamic banking customers supported by cash flow certainty in Murabahah contracts; and (3) The Exchange Rate is proven to have a significant asymmetric effect. Rupiah depreciation dynamics have a far more destructive impact on asset quality compared to the improvements during appreciation, confirming the validity of the non-linear balance sheet channel. Systemically, Islamic banking demonstrates robust stability with an estimated self-recovery time of approximately 4.4 months. This study recommends the implementation of asymmetric hedging strategies for banking management and the calibration of dual-scenario stress testing policies for regulators to maintain financial system stability.
Co-Authors Ariani Eka Artanti Ariq Muzaki Bayu Try Haryanto Dian Lestari Fahriza Diani Jati Faisal Alfa Rizki Fandiko Arya Putra Hesti Dwi Kurnianti Indah Lestari Laila Nadhrotan Naim Miftah Salwa Aisyah Ranti Amelia Suardi Rayhannevi Rayhannevi Riswandi Riswandi Safira Azzahra Saparuddin M Saparuddin Mukhtar Saparuddin Saparuddin Siti Fatimah Zahra