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Analysis of Factors Affecting Employment Absorption in Micro and Small-Scale Industries Across 34 Provinces in Indonesia Muhammad Iqbal Mohar Harahap; Fitrawaty Fitrawaty; Muhammad Fitri Rahmadana
Economic Education Analysis Journal Vol. 15 No. 2 (2026): Economic Education Analysis Journal
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/eeaj.v15i2.48992

Abstract

The micro and small-scale industry (MSI) sector constitutes a key driver of employment in Indonesia; however, its labor absorption capacity varies across regions. This study examines the determinants of employment absorption in MSI across 34 provinces using panel data regression. The model includes production value, investment, wages, and the number of business units as explanatory variables. The results indicate that investment and the number of business units have a positive and statistically significant effect on employment absorption, while wages show a negative and significant relationship. In contrast, production value is not statistically significant. These findings suggest that output expansion in the MSI sector is not consistently associated with increased labor absorption. However, this condition should be interpreted cautiously and does not necessarily imply structural jobless growth. From a theoretical perspective, the findings reveal a partial inconsistency with conventional labor demand theory, particularly regarding the expected positive relationship between output and labor demand. This may reflect structural characteristics of MSI, such as low productivity and heterogeneous production conditions. Policy implications should remain aligned with the empirical results, emphasizing investment promotion and business expansion to improve employment absorption.
Forecasting the Resilience and Stability of Indonesian Islamic Banking in the Face of Global Economic Uncertainty in 2030 Gadis Arniyati Athar; T. Citra Nisa Farza; Muhammad Fitri Rahmadana; Nayla Salsabila Batubara
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 9 No. 2 (2025): December 2025
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v9i2.9973

Abstract

This study aims to explore the stability and resilience of Islamic banking in the face of the 2030 global recession, providing a foundation for managerial implications in the world of Islamic banking. This research uses a quantitative approach with resilience indicators such as Return on Assets (ROA) and Non-Performing Financing (NPF), and stability indicators such as Capital Adequacy Ratio (CAR) and Financing to Deposit Ratio (FDR). The data used is secondary data from the financial statements for the period from the Q1 of 2019 to the Q4 of 2024. To provide an overview and to forecast of the level of resilience and stability, the ARIMA method is used. To illustrate the interrelationship and interaction, as well as the magnitude of the contribution of resilience variables to stability variables (CAR and NPF) with stability (ROA and FDR) in Islamic Banking in Indonesia, the VECM method is used. The analysis results show that overall, the CAR is in the very healthy category, although some banks experienced a decline at the end of 2024. NPF experienced a surge during the recession but tended to stabilize afterward. Meanwhile, ROA and FDR fluctuated due to global economic pressures but showed a stable long-term trend. VECM model estimates indicate a significant relationship between variables, where FDR and NPF influence ROA in the long run, while CAR plays more of a risk buffer role. This finding emphasizes the importance of capital optimization, strengthening risk management, and balance in intermediation functions to maintain the sustainability of the Islamic banking sector amidst global economic uncertainty toward 2030.Penelitian ini bertujuan untuk mengeksplorasi stabilitas dan ketahanan perbankan syariah dalam menghadapi resesi global 2030, untuk kemudian memberikan landasan bagi implikasi manajerial dalam dunia perbankan syariah. Penelitian ini menggunakan pendekatan kuantitatif dengan indikator ketahanan keuangan seperti Return on Assets (ROA) dan Non-Performing Financing (NPF), dan indikator stabilitas seperti Capital Adequacy Ratio (CAR) dan Financing to Deposit Ratio (FDR). Data yang digunakan adalah data sekunder dari laporan keuangan untuk periode dari Q1 tahun 2019 hingga Q4 tahun 2024. Untuk memberikan gambaran dan peramalan tingkat ketahanan dan stabilitas, digunakan metode ARIMA. Untuk menggambarkan interelasi dan interaksi, serta besarnya kontribusi variabel ketahanan terhadap variabel stabilitas (CAR dan NPF) dengan stabilitas (ROA dan FDR) pada Perbankan Syariah di Indonesia, digunakan metode VECM. Hasil analisis menunjukkan bahwa secara keseluruhan, CAR berada dalam kategori sangat sehat, meskipun beberapa bank mengalami penurunan di akhir tahun 2024. NPF mengalami lonjakan selama resesi tetapi cenderung stabil setelahnya. Sementara itu, ROA dan FDR berfluktuasi akibat tekanan ekonomi global tetapi menunjukkan tren jangka panjang yang stabil. Estimasi model VECM menunjukkan hubungan yang signifikan antar variabel, di mana FDR dan NPF memengaruhi ROA dalam jangka panjang, sementara CAR lebih berperan sebagai penyangga risiko. Temuan ini menekankan pentingnya optimalisasi permodalan, penguatan manajemen risiko, dan keseimbangan fungsi intermediasi untuk menjaga keberlanjutan sektor perbankan syariah di tengah ketidakpastian ekonomi global menuju tahun 2030.
CONTROLLING PROBLEMATIC FINANCING: EFFORTS TO IMPROVE THE PROFITABILITY OF ISLAMIC BANKING THROUGH THE TWO STAGE LEAST SQUARE APPROACH Ismul Fakhri Lubis; Dede Ruslan; Muhammad Fitri Rahmadana
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 4 No. 4 (2024)
Publisher : CV. RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v4i4.1797

Abstract

The issue discussed is whether there is still a discrepancy or divergence between problematic financing (NPF) and profitability (ROA) from the general trend. On the other hand, Non-Performing Financing (NPF) and Return on Assets (ROA) interact in ways that significantly affect the financial performance of banks. This indicates the complexity of this relationship, suggesting a simultaneous relationship between NPF and ROA. The aim of this research is to understand the simultaneous relationship between profitability and problematic financing of Islamic banks in Indonesia. This study uses the Two Stage Least Square (TSLS) method, with financial ratio data from Islamic banks in Indonesia from 2010 to 2023, using quarterly data. Based on the simultaneous test results, there is a simultaneous relationship between the profitability model (ROA) and problematic financing (NPF). In the profitability equation model (ROA), BOPO affects the profitability of Islamic banks, while problematic financing and CAR do not have an effect. However, in the problematic financing equation model (NPF), profitability and CAR affect problematic financing in Islamic banks in Indonesia, whereas FDR does not affect operational cost reduction targets. Moreover, policies that emphasize increasing profitability through product diversification and capital enhancement (CAR) will help reduce the risk of problematic financing through issuing new shares or reinvesting profits, while product diversification can help increase revenue and reduce the risk of uncollectible financing.
Determining Factors That Influence Imports of Goods for Development in Indonesia: An Analytical Study Muhammad Fitri Rahmadana
Outline Journal of Economic Studies Vol. 1 No. 2: April - September 2022
Publisher : Outline Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61730/ojes.v1i2.76

Abstract

Indonesia is recognized as a developing nation with a production industry that has yet to achieve sustainability to meet local demand. This is evidenced by Indonesia's reliance on external sources for consumer goods, raw and auxiliary materials, as well as capital goods. The country's importation activities stem largely from the inability of domestic products to compete with foreign counterparts, coupled with a societal inclination towards imported goods as a symbol of grandeur. The present study aims to conduct an analysis of the impact of gross domestic product (GDP), foreign exchange reserves, exchange rates, and inflation on imports within Indonesia during the 2000-2019 period. The analytical approach implemented in this research employs the Error Correction Model (ECM). The findings indicate that in the short term, GDP, foreign exchange reserves, and inflation have a positive and statistically significant impact on imports in Indonesia. In the long run, all the aforementioned variables exhibit a significant and meaningful influence on imports in Indonesia. In this regard, the provision of high-quality domestic production by government and producers is crucial for bolstering the domestic industry's development and rekindling local interest in domestic products.Indonesia is recognized as a developing nation with a production industry that has yet to achieve sustainability to meet local demand. This is evidenced by Indonesia's reliance on external sources for consumer goods, raw and auxiliary materials, as well as capital goods. The country's importation activities stem largely from the inability of domestic products to compete with foreign counterparts, coupled with a societal inclination towards imported goods as a symbol of grandeur. The present study aims to conduct an analysis of the impact of gross domestic product (GDP), foreign exchange reserves, exchange rates, and inflation on imports within Indonesia during the 2000-2019 period. The analytical approach implemented in this research employs the Error Correction Model (ECM). The findings indicate that in the short term, GDP, foreign exchange reserves, and inflation have a positive and statistically significant impact on imports in Indonesia. In the long run, all the aforementioned variables exhibit a significant and meaningful influence on imports in Indonesia. In this regard, the provision of high-quality domestic production by government and producers is crucial for bolstering the domestic industry's development and rekindling local interest in domestic products.
PENYUSUNAN BAHAN AJAR SIMULASI PERKANTORAN DIGITAL BERBASIS PROJECT BASED LEARNING Nelly Armayanti; Dodi Pramana; M. Fitri Rahmadana
JURNAL ADMINISTRASI KANTOR Vol 12 No 2 (2024): Jurnal Administrasi Kantor (Desember 2024)
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat Universitas Bina Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51211/jak.v12i2.3166

Abstract

Professional teaching staff have a direct influence on student learning outcomes, especially in the 21st century, where developments in technology, information and communication are growing rapidly. The challenge of 21st century learning is a problem found in the office administration education study program, namely the lack of digital-based teaching materials owned by lecturers to teach these courses. This research aims to prepare teaching materials for the Theory and Practice based Office Simulation course and is also accompanied by a Project Based Learning model. The reason for choosing the Office Simulation course is because this course is the basis for students to become familiar with administrative and administrative practices in the concept of office administration. This research is Research and Development (RnD) research using the ADDIE development model which consists of 5 (five) implementation stages, namely: (1) Analysis, (2) Design, (3) Development (4) Implementation, and (4) Evaluation. The data analysis techniques used in research include 3 (three) types, namely Validity, Effectiveness and Practicality. The results of this research show that the average percentage of validator scores for the content aspect is 88.66%, the presentation aspect is 90.66% and the language is 92.88%, these three aspects show that the office simulation book is very suitable for use. Meanwhile, practical testing for the content aspect was 93.04%, the presentation aspect was 88.05% and the language aspect was 88.04%. From this tabulation, the office simulation book is very practical to use. In testing effectiveness through parametric tests, a calculated t value of 26.599 can be obtained with a significance value of 0.00 < 0.05, so H0 is rejected. Thus, student learning outcomes after using office simulation books are significantly higher than those who do not use teaching materials. Keywords: Teaching Material, Learning Outcomes, Office Simulation
Pengaruh Penggunaan Artificial Intelligence (AI) dan Literasi Digital terhadap Kemampuan Akademik Mahasiswa Jurusan Ekonomi Stambuk 2023 Fakultas Ekonomi dan Bisnis Universitas Negeri Medan Mutiara Dwi Rizqina; Muhammad Fitri Rahmadana
SAKALIMA: Pilar Pemberdayaan Masyarakat Pendidikan Vol. 3 No. 3 (2026): July-September | SAKALIMA: Pilar Pemberdayaan Masyarakat Pendidikan
Publisher : WISE Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70211/sakalima.v3i3.704

Abstract

The rapid integration of artificial intelligence (AI) into higher education has expanded students' access to academic support, yet its educational value may depend on students' capacity to navigate and evaluate digital information critically. This study examined the effects of AI use and digital literacy on the academic ability of Economics Department students from the 2023 cohort at the Faculty of Economics and Business, Universitas Negeri Medan. Using a quantitative ex post facto design, data were collected from 158 students selected from a population of 261 through questionnaire-based measures and analyzed using instrument testing, classical assumption tests, multiple linear regression, partial t-tests, an F-test, and the coefficient of determination. AI use had a positive and statistically significant effect on academic ability (t = 2.798, p = .006), while digital literacy showed a stronger positive and significant effect (t = 5.840, p < .001). Jointly, both predictors significantly explained academic ability (F = 47.630, p < .001), with R² = .381, indicating that 38.1% of the variance was accounted for by the model. These findings demonstrate that AI is most educationally meaningful when accompanied by students' capacity to access, evaluate, verify, and use digital information responsibly. The study implies that universities should integrate AI-use guidance with systematic digital-literacy development so that AI functions as a cognitive support tool rather than a substitute for independent academic reasoning.
Analysis of Asset and Financing Contribution to Islamic Banking Profit in Indonesia by Vector Autoregression (VAR) Method Nofinawati; Dede Ruslan; Muhammad Fitri Rahmadana; Adanan Murroh Nasution
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 2 (2024): December 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i2.8463

Abstract

The profit growth of Islamic banks in Indonesia tends to decline from the Covid-19 period to date. However, the number of assets and the amount of financing of Islamic banks tend to increase from one period to the next. This article discusses the contribution of assets and financing to the profitability of Islamic banking in Indonesia. This article was created using quantitative research methods. The data comes from the Financial Services Authority (OJK), namely data related to the amount of profit, assets, and financing in the Sharia Banking Statistics report, especially Sharia Commercial Banks from 2019 to 2023. Then the analysis of the contribution between the variables of assets, financing and profits of Islamic banks was analyzed using an econometric approach, namely the Vector Auto Regression (VAR) Method. The results of this study show that the profit variable of the previous period has a negative contribution to the endogenous profit variable. However, asset and financing variables in the previous period contributed positively to endogenous profit variables. There has been no previous research that discusses the contribution of variable assets and financing to the profit of Islamic banking in Indonesia using Vector Autoregressive Models. In order for the profit of Islamic banks to always increase, Islamic banks must always increase the number of their assets by increasing the amount of financing disbursed.   Pertumbuhan laba bank syariah di Indonesia cenderung menurun dari periode Covid-19 hingga saat ini. Namun, jumlah aset dan jumlah pembiayaan bank syariah cenderung mengalami peningkatan dari satu periode ke periode berikutnya. Artikel ini membahas mengenai kontribusi aset dan pembiayaan terhadap profitabilitas perbankan syariah di Indonesia. Artikel ini dibuat dengan menggunakan metode penelitian kuantitatif. Data berasal dari Otoritas Jasa Keuangan (OJK), yaitu data terkait jumlah laba, aset, dan pembiayaan pada laporan Statistik Perbankan Syariah khususnya Bank Umum Syariah dari tahun 2019 sampai dengan tahun 2023. Kemudian analisis kontribusi antara variabel aset, pembiayaan dan laba bank syariah dianalisis dengan menggunakan pendekatan ekonometrika yaitu Metode Vector Auto Regression (VAR). Hasil temuan penelitian ini menunjukkan bahwa variabel laba periode sebelumnya memiliki kontribusi negatif terhadap variabel laba endogen. Namun, variabel aset dan pembiayaan periode sebelumnya berkontribusi positif terhadap variabel laba endogen. Belum ada penelitian sebelumnya yang membahas mengenai kontribusi variabel aset dan pembiayaan terhadap laba perbankan syariah di Indonesia dengan menggunakan Vector Autoregressive Models. Agar laba bank syariah selalu meningkat, maka bank syariah harus selalu meningkatkan jumlah asetnya dengan cara meningkatkan jumlah pembiayaan yang disalurkan.
Pengaruh Jumlah Kunjungan Wisatawan Mancanegara, Nilai Tukar dan Peran Sektor Jasa Keuangan terhadap Devisa Sektor Pariwisata di Indonesia Alfara Huda; Eko Wahyu Nugrahadi; M. Fitri Rahmadana
Akuntansi Vol. 5 No. 1 (2026): Maret: Jurnal Riset Ilmu Akuntansi
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/akuntansi.v5i1.3216

Abstract

This study aims to analyze the influence of the number of foreign tourist visits, exchange rates, and the role of the financial services sector on foreign exchange in the tourism sector in Indonesia. The tourism sector is seen as one of the important foreign exchange contributors to the national economy, so the factors that influence it need to be studied empirically. This study uses secondary data in the form of a time series for the 2017–2024 period obtained from BPS, Bank Indonesia, OJK, and the Ministry of Tourism and Creative Economy. The analysis method used is path analysis to test the direct and indirect relationships between variables. The results of the study show that the number of foreign tourist visits has a positive and significant effect on the foreign exchange of the tourism sector. However, this variable also has a negative effect on the financial services sector and exchange rates as an intervening variable. The financial services sector has been proven to have a positive and significant influence on tourism foreign exchange, while the exchange rate also has a positive influence on foreign exchange in the tourism sector. Partially, all variables in this study were significant with a significance value below 0.05. These findings confirm that the foreign exchange of the tourism sector is directly influenced by the number of tourist visits, as well as indirectly through the role of the financial services sector and exchange rates. The implications of this study emphasize the importance of integrative policies to maintain exchange rate stability and strengthen the financial services sector in supporting the contribution of tourism foreign exchange.
Pengaruh Model Pembelajaran Problem Based Learning (PBL) dan Kreativitas Belajar terhadap Hasil Belajar Kelas X Jurusan Bisnis Ritel SMK Negeri 1 Patumbak Putri Sianturi; Muhammad Fitri Rahmadana
ARZUSIN Vol 6 No 2 (2026): ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i2.9328

Abstract

Although the low student learning outcomes in the subject Fundamentals of the Marketing Skills Program in Grade X of the Retail Business Department at SMK Negeri 1 Patumbak remain a concern, the use of less varied learning models and differences in levels of learning creativity are presumed to be factors influencing this condition. This study aimed to analyze the effect of the Problem Based Learning (PBL) model and learning creativity on student learning outcomes. This study used a quantitative approach with an experimental design involving an experimental class and a control class. The population of the study consisted of all Grade X students in the Retail Business Department at SMK Negeri 1 Patumbak, with the sampling technique using total sampling. Data were collected through learning outcome tests and learning creativity questionnaires, and were then analyzed using the t-test and linear regression with the assistance of the SPSS program. The results showed that the Problem Based Learning model had a positive and significant effect on student learning outcomes compared with conventional learning. In addition, learning creativity was also proven to have a positive and significant effect on student learning outcomes. Simultaneously, the Problem Based Learning model and learning creativity contributed to improving student learning outcomes. Thus, this study confirms that the implementation of the Problem Based Learning model supported by student learning creativity can improve learning outcomes more optimally. These findings contribute to strengthening innovative learning practices in vocational education and have practical implications for teachers to apply more varied learning models and encourage student creativity in order to improve the quality of learning outcomes.