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All Journal EKSYAR: Jurnal Ekonomi Syari'ah & Bisnis Islam Ikonomika : Jurnal Ekonomi dan Bisnis Islam EKO-REGIONAL JURNAL PENGEMBANGAN EKONOMI WILAYAH NISBAH: JURNAL PERBANKAN SYARIAH Gorontalo Development Review Journal of Enterprise and Development (JED) Journal of Research in Business, Economics, and Education Journal of Islamic Economics and Finance Studies Oikos - Nomos : Jurnal Kajian Ekonomi dan Bisnis Mutanaqishah: Journal of Islamic Banking Journal of Management and Islamic Finance Golden Ratio of Finance Management Komunal Jurnal Pengabdian Masyarakat Islamic Economics and Finance Journal Ekombis Sains: Jurnal Ekonomi, Keuangan dan Bisnis Mutanaqishah: Journal of Islamic Banking Jeksyah Eko-Regional: Jurnal Pembangunan Ekonomi Wilayah Jurnal Ekonomi dan Bisnis Islam Al-Amwal: Jurnal Ekonomi dan Perbankan Syariah
Rifadli D Kadir
IAIN Sultan Amai Gorontalo
Religion Agriculture, Biological Sciences & Forestry Humanities Economics, Econometrics & Finance Energy Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Determinan Pembiayaan UMKM pada BPR Syariah di Indonesia Rifadli D. Kadir
Quranomic: Jurnal Ekonomi dan Bisnis Islam Vol. 1 No. 1 (2022): Quranomic: Jurnal Ekonomi dan Bisnis Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam IIQ An Nur Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37252/jebi.v1i1.168

Abstract

This study aims to determine the effect of NPF (Non-Performing Financing), Inflation, and Company Size (Size) on MSME financing at Islamic BPRs in Indonesia, using time series data during January 2010 to December 2020 at Islamic People's Financing Banks (BPRS). issued by the Financial Services Authority (OJK). The method of analysis chosen for the purposes of data analysis uses the OLS (ordinary least square) estimation method using an error correction model (ECM). The results of this study indicate that the variable Inflation and Firm Size have a significant long-term effect, while the NPF variable has no significant effect. While the three variables do not have a significant short-term effect on MSME financing at Sharia BPRs in Indonesia.
THE IMPACT OF ISLAMIC FINANCIAL INCLUSION ON INDONESIAN HUMAN DEVELOPMENT Roni Mohamad; Rifadli D. Kadir; Chitra Yuliashri Katili; Nurul Fadhilah
Oikos Nomos: Jurnal Kajian Ekonomi dan Bisnis Vol 18, No 1 (2025): Juni 2025
Publisher : Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37479/jkeb.v18i1.32416

Abstract

This study seeks to examine the effect of Islamic financial inclusion on human development in Indonesia and to compare its effects between Western and Eastern Indonesia. The research included panel data from 33 provinces spanning the years 2018 to 2023, utilizing a quantitative methodology and a random effects regression model. The Islamic financial inclusion index is developed using the Principal Component Analysis (PCA) approach, including the dimensions of access, availability, and utilization of Islamic banking services. The study's findings indicate that Islamic financial inclusion positively and significantly impacts the Human Development Index (HDI) at both national and regional levels. The Western Indonesia region benefited most from IFI, but the Eastern region experienced a more uneven and lower impact. These results imply that more access to Islamic financial services can enhance people's standard of living, health, and education, all of which can impact their quality of life. The study advocates for the enhancement of Islamic financial infrastructure, the promotion of Islamic financial literacy, and the implementation of policies that address regional inequities.
Financial Inclusion and Poverty Reduction: A Systematic Review of Literature in ASEAN Rifadli D. Kadir; Muhibbuddin; Chitra Yuliashri Katili; Nurul Fadhilah
Mutanaqishah: Journal of Islamic Banking Vol. 6 No. 1 (2026): January - June
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v6i1.3658

Abstract

Purpose – This study aims to examine the role of financial inclusion in poverty alleviation within ASEAN countries by synthesizing existing scholarly evidence and identifying research trends, methodological patterns, key findings, policy implications, and future research gaps. Methodology – This study employs a PRISMA-guided Systematic Literature Review using the Scopus database. From 111 initial records, the screening process based on document type, source, language, and topic relevance resulted in 14 peer-reviewed studies selected for systematic analysis. Findings – The review shows that financial inclusion consistently contributes to poverty alleviation in ASEAN by expanding access to savings, credit, fintech, microfinance, and formal financial services. It also supports economic growth, reduces inequality in certain contexts, and helps address energy poverty. Most studies focus on Indonesia and apply quantitative econometric approaches, including panel data analysis, PVAR, FMOLS, AMG, and 2SLS. The dominant theoretical perspectives include endogenous growth theory, financial stability theory, financial innovation, and financial sector development, although several studies do not explicitly state their theoretical framework. Implications– Policymakers should strengthen inclusive access to finance, improve financial literacy, empower microfinance institutions, integrate financial inclusion into sustainable energy policies, and design context-sensitive programs for rural and vulnerable communities. Originality– This review offers a focused synthesis of the limited ASEAN literature on financial inclusion and poverty alleviation and identifies methodological, theoretical, and contextual gaps for future research.
Analisis Krisis Keuangan ASIA 1997: Penyebab, Dampak, dan Pemulihan Ekonomi di Indonesia Rifadli D. Kadir
Jurnal Ekonomi Islam Vol 4 No 1 (2025): February 2025
Publisher : Scimadly Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55657/iefj.v4i1.295

Abstract

The 1997 Asian financial crisis had a profound impact on the economies of Asian countries, including Indonesia. The crisis began with the depreciation of Thailand's Baht, which spread to neighboring countries, destabilizing the economies of Indonesia, Thailand, and South Korea. A sharp decline in currency values, high interest rates, and a banking crisis led to economic uncertainty across sectors. The primary cause of the crisis was the "hot money bubble," a speculative capital flow, exacerbated by weak banking systems and reliance on an unstable exchange rate system. In response to the crisis, Indonesia borrowed from the IMF, which initiated a series of economic reforms, including macroeconomic stabilization and financial system reforms. Despite various reform efforts, the implementation faced significant challenges due to political instability and a lack of coordination among government institutions. The post-crisis recovery highlighted the importance of improved financial risk management and political stability for sustaining economic development. This article aims to provide a comprehensive understanding of the factors that led to the crisis, its impacts, and the recovery efforts undertaken in Indonesia after the 1997 crisis.
Mediating Role of Islamic Social Reporting on the Nexus Between Sharia Supervisory Board Characteristics and Islamic Banks' Financial Performance in Indonesia Chitra Yuliashri Katili; Rifadli D. Kadir; Asma Polapa; Ritfiani Gobel
Journal of Enterprise and Development (JED) Vol. 7 No. 1 (2025): January - April
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v7i1.12598

Abstract

Purpose: The Sharia Supervisory Board (SSB) plays a significant role in Islamic banking. Therefore, it is important to examine how the characteristics of the SSB influence financial performance, particularly when mediated by Islamic Social Reporting (ISR).Method: This study adopts a quantitative approach. We analyze the annual financial statements of 13 Islamic commercial banks in Indonesia from 2019 to 2023, focusing on how SSB characteristics affect financial performance through ISR. Structural Equation Modelling (SEM) is used to test the proposed hypothesis, utilizing SEM-PLS with Smart-PLS 4 as the analysis tool.Result: The analysis reveals that SSB characteristics do not significantly impact financial performance, suggesting that the role of the SSB has not sufficiently influenced financial outcomes. However, SSB characteristics significantly affect ISR, which in turn has a significant impact on financial performance. The mediation analysis shows that ISR fully mediates the relationship between SSB characteristics and financial performance. Therefore, ISR is a crucial factor in improving the financial performance of Islamic banks.Practical Implications for Economic Growth and Development: This study recommends that Islamic banks enhance the role of the SSB, particularly in ensuring transparent and effective social disclosures. Strengthening ISR practices can improve financial performance, thereby increasing Islamic banking’s contribution to community financing and fostering broader economic growth.
Long Term Impact Profitability of Market Share Islamic Bank in Indonesia Chitra Yuliashri Katili; Rifadli D Kadir
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol. 15 No. 1 (2023)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v15i1.13316

Abstract

This paper aims to analyze the influence of the internal variables of Islamic banks on market share. Market share is one of the indicators used by Islamic banking to measure how much it contributes to the banking industry in Indonesia. The internal variables of Islamic banks used are Return On Assets, Capital Adequacy Ratio, Financing to Deposit Ratio, and Non Performing Financing. The relationship between bank internal variables and market share is measured using long-term regression, namely fully modified ordinary least squares (FMOLS) and dynamic ordinary least squares (DOLS) regressions. Based on the results of this regression, it shows that the profitability variable proxied by Return On Assets and the Financing to deposit Ratio variable has a positive effect on the market share of Islamic banks in Indonesia. The Capital Adequacy Ratio and Non-Performing Financing variables reject the proposed hypothesis. These results conclude that in the long-term the market share of the variable return on assets and the financing to deposit ratio can increase the market share of Islamic banking in Indonesia.
The Impact of Islamic Financial Inclusion on Gender Inequality Reduction in Indonesia Muhammad Syarif H Djauhari; Rifadli D Kadir; Chitra Yuliashri Katili; Edo Segara Gustanto; Luthfia Ayu Karina; Selfia Bintariningtyas; Yeni Puspita
Journal of Islamic Economics and Finance Studies Vol 7 No 1 (2026): JIEFeS, June 2026
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v7i1.14432

Abstract

This study examines whether Islamic financial inclusion contributes to reducing gender inequality across 33 Indonesian provinces during 2018–2023. Using a balanced panel of 198 observations, the Islamic Financial Inclusion Index was constructed through Principal Component Analysis based on accessibility, availability, and usage. At the same time, gender inequality was measured using the provincial Gender Inequality Index. Panel-model selection identified the Common Effect Model as the most appropriate specification. The results reveal regional disparities in Islamic financial inclusion, with DKI Jakarta, Aceh, and West Nusa Tenggara recording the highest levels, while East Nusa Tenggara remained the least inclusive. More importantly, Islamic financial inclusion has a negative and statistically significant association with gender inequality, indicating that provinces with broader access to and use of Islamic financial services tend to exhibit lower gender inequality. These findings extend financial development theory by showing that the equalizing role of financial inclusion also operates within an Islamic financial framework. The study implies that policymakers and Islamic financial institutions should adopt gender-responsive strategies, strengthen women’s effective use of financial services, expand digital and financial literacy, and prioritize underserved provinces.   Studi ini meneliti apakah inklusi keuangan syariah berkontribusi dalam mengurangi ketimpangan gender di 33 provinsi di Indonesia selama 2018–2023. Dengan menggunakan data panel dari 198 pengamatan, Indeks Inklusi Keuangan Islam dibangun melalui Principal Component Analysis (PCA) berdasarkan aksesibilitas, ketersediaan, dan penggunaan. Pada saat yang sama, ketimpangan gender diukur menggunakan Indeks Ketimpangan Gender pada tingkat provinsi. Pemilihan model data panel mengidentifikasi Random Effects Model (REM) sebagai model yang paling tepat. Hasil penelitian ini mengungkapkan kesenjangan regional dalam inklusi keuangan syariah, dengan DKI Jakarta, Aceh, dan Nusa Tenggara Barat mencatatkan tingkat tertinggi, sementara Nusa Tenggara Timur tetap menjadi yang paling tidak inklusif. Lebih lanjut, inklusi keuangan Islam memiliki hubungan negatif dan signifikan secara statistik dengan ketimpangan gender, yang menunjukkan bahwa provinsi dengan akses dan penggunaan layanan keuangan Islam yang lebih luas cenderung memiliki ketimpangan gender yang lebih rendah. Temuan ini memperluas financial development theory dengan menunjukkan bahwa peran penyetaraan inklusi keuangan juga beroperasi dalam kerangka keuangan Islam. Studi ini menyiratkan bahwa pembuat kebijakan dan lembaga keuangan Islam harus mengadopsi strategi responsif gender, memperkuat penggunaan layanan keuangan yang efektif oleh perempuan, memperluas literasi digital dan keuangan, serta memprioritaskan provinsi yang kurang terlayani.
Co-Authors Abduh, Muhamad Abduh Asma Polapa Bela Mamonto Chitra Yuliashri Katili Chitra Yuliashri Katili Chitra Yuliashri Katili Chitra Yuliashri Katili Chitra Yuliashri Katili Chitra Yuliashri Katili Dukalang, Hendra Edo Segara Gustanto Fachry Abda El Rahman Iskandar Abbas Juniaty Ismail Luthfia Ayu Karina Martaliah , Nurfitri Muhamad Abduh Muhammad Syarif H Djauhari Muhibbuddin Mustaqim Idrus Nurfitri Martaliah Nurul Fadhilah Nurul Fadhilah Puji Wahyuli Ranti Amsati Rayyan Mamonto Ritfiani Gobel Roni Mohamad Roni Mohamad Rudi Masniadi Sekarrini, Laras Ayu Selfia Bintariningtyas Sindi Ali Siti Nur Khoiria Sri Dewi Yusuf Sri Langgeng Ratnasari Supandi Rahman Tian Lahay Ummah, Syarifatul Wahyu Palowa Yeni Puspita Yulfika Daud