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The Impact of Internet Use on Informal Entrepreneur Welfare: The Case of Services Sector in Indonesia Rachmatullah, Yuda Bagus; Santoso, Dwi Budi; Satria, Dias
Journal of International Conference Proceedings Vol 6, No 1 (2023): 2023 ICPM Malang Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v6i1.2311

Abstract

The services sector is a very important one which has the largest percentage of informal entrepreneurs compared to other sectors in Indonesia. However, this sector experienced the most significant decrease in welfare due to the pandemic attack in 2020. Using the 2020 National Labor Force Survey (Sakernas) data, this study aims to link the role of internet use, which was highly developed during the pandemic, to increasing the welfare of informal entrepreneurs in the services sector. Based on the results of binary logistic regression, (1) The use of the internet, especially for the purpose of transaction activities, has the greatest influence in supporting the welfare of informal services sector entrepreneurs, and (2) Opportunities to obtain higher welfare are owned by male entrepreneurs, with ever-married status, are more educated, have white-collar and gray-collar types of work, have skills, and live in areas with better infrastructure. Therefore, it is necessary to have a program to increase digital literacy, especially in activities that support business activities which can be carried out through training or mentoring, especially for services sector entrepreneurs who have a lower level of education, are less skilled, and for areas with a lower level of infrastructure.
ANALISIS TINGKAT PROFITABILITAS PERBANKAN (Studi Kasus pada PT Bank Pembangunan Daerah Jawa Timur Tbk Periode 2007-2014) Ariani, Falentina Dwi; Satria, Dias
Jurnal Ilmiah Mahasiswa FEB Vol. 3 No. 2
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

Economic development in a country, can not be separated from the banking contribution which is the efforts of the banks contributed in fundraising and distribution of funds services through credit. Performance of a bank is required in this case, because of the good performance of the bank will raise the interest of investors to use bank services. One of the performance measurement can bebe with bank profitability. Furthermore, the profitability ratio used is Return on Assets (ROA) for the ratio has taken into account the profit made by a bank as a whole. The study was conducted at PT Bank Pembangunan Daerah Jawa Timur Tbk during 2007-2014. The method used in this research is multiple linear regression analyzes were then performed of test the classical assumption and further test the hypothesis. The results obtained in this study indicate that the variable BOPO and inflation have significantly negative effect on bank profitability (ROA). While the variable size and NIM have significantly positive effect on bank profitability (ROA). Then the variable low-cost funds, LDR, and CAR show positive results but their effect is not significant on bank profitability (ROA). Keywords: low-cost funds, LDR, CAR, Size, BOPO, NIM, Inflation, Profitability, ROA
ANALISIS PENGARUH INDIKATOR MAKROEKONOMI DAN INDEKS SAHAM REGIONAL ASEAN TERHADAP PASAR SAHAM INDONESIA (IHSG) PERIODE PADA TAHUN 2009-2014 Immanuel, Roisondo; Satria, Dias
Jurnal Ilmiah Mahasiswa FEB Vol. 3 No. 2
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

This study was intended to know and analyze the fluctuations of macroeconomic indicators and stock index regional ASEAN and the correlation with Jakarta Composite Index (JCI) at Indonesian Stock Exchange. and The macroeconomic indicators represented by inflation, exchange rate (Rupiah to Dollar America) and BI Rate. Stock index regional ASEAN represented by STI which represents Singapore stock-market, KLSE which represent Malaysia stock-market, SET which representsThailand stock-market and PSE which represents Filippine stock-market. This is quantitative research and the research method used Error Corection Model (ECM). The sampling data used are 72 months from the beggining year of 2009 until the end year of 2014. The result of the study shows that simultaneously the macroeconomic indicators and stock index regional ASEAN has significant effect on Jakarta Composite Index at short-term and long-term, but in partially inflation and BI Rate at short-term has no effect on Jakarta Composite Index however at long-term has significant effect on Jakarta Composite Index. While exchange rate (Rupiah to Dollar America) at short-term and long-term has significant effect on Jakarta Composite Index. For stock index regional ASEAN, STI at short-term and long-term has no effect on Jakarta Composite Index. While KLSE, SET and PSE at short-term and long-term has significant effect on Jakarta Composite Index.   Keywords : JCI, Inflation, Exchange Rate, BI Rate, STI, KLSE, SET, PSE, Error Corection Model
Bridging The Digital Divide: Internet Access And Farmer Poverty In East Java Satria, Dias; Natalia, Christiayu
Agrisocionomics: Jurnal Sosial Ekonomi Pertanian Vol 9, No 3 (2025): November 2025
Publisher : Faculty of Animal and Agricultural Science, Diponegoro University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/agrisocionomics.v9i3.26758

Abstract

Poverty among farmers remains a structural challenge in agricultural development in Indonesia; low productivity and limited access to information technology are the main problems.  Addressing this issue is crucial for national food security and sustainable rural livelihoods. This study aims to examine the profile of poor farmers and analyze the effect of internet use on the risk of poverty among farmers in East Java Province. The data comes from the March 2023 National Socio-Economic Survey (Susenas) microdata, comprising 21.368 individual observations. The analysis method used is binary logistic regression due to the binary classification of the dependent variable, with model segregation based on urban and rural areas, implemented using Stata software. The results show that poor farmers generally come from the food crop subsector and are concentrated in certain areas such as Madura Island.  Digital literacy and internet utilization are still very low, while access to formal financing is also limited.  Internet access significantly reduces the poverty risk, with users being 2.72 times more likely to be non-poor, especially in urban areas. This study recommends different policy approaches between urban and rural areas to realize inclusive and adaptive agriculture in the digital era.
The Effect of Carbon Emissions, Corporate Social Responsibility Disclosure, Return on Equity Boy Frahansah Berutu; Dias Satria; Indri Supriani
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.6471

Abstract

This study analyzes the effect of Carbon Emission (CE), Corporate Social Responsibility (CSR), Return on Equity (ROE), and Leverage on bank lending to manufacturing and mining companies listed on the Indonesia Stock Exchange, using the Panel Data Regression Method. With a sample of 15 companies from 2018 to 2022, the results of the study show that CE and CSR do not have a significant effect on bank lending. On the contrary, ROE and Leverage have a significant effect, where ROE has a negative impact and Leverage has a positive impact on bank loans. These findings conclude that banks in Indonesia are still more focused on financial fundamentals in assessing corporate loan applications, without considering environmental and social risks. This study underlines the importance of innovation in credit structures and loan products to include considerations of environmental and social risks in the future, in order to achieve decarbonization targets and the Paris Agreement.
Analysis of Factors Influencing Fintech Service Adoption in Indonesia: A Study of DANA Digital Payment Service Maharani, Adellia Rose Maya; Dias Satria
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 4 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.4.02

Abstract

This study aims to analyze the factors influencing the adoption of DANA fintech services in Indonesia. A quantitative approach was applied, using an online questionnaire distributed to 385 respondents. Generation Y and Z are used ase one of the criteria for the dominant group of digital service users. Data were analyzed using (SEM-PLS). The independent variables tested include perceived ease of use, perceived usefulness, attitude, financial literacy, user innovativeness, and government support. The results show that perceived ease of use, perceived usefulness, attitude, financial literacy, and user innovativeness have a significant effect on DANA adoption. Government support has no significant influence. These findings provide insights for fintech developers and policymakers to enhance digital financial service adoption more effectively.
The Effects of Fintech Companies on the Performance of Banks in Indonesia Al Hafidtz, Naufal Yosda; Satria, Dias
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 4 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.4.13

Abstract

In the development of information and communication technology in the financial sector, FinTech brings innovation in financial services based on digital technology. This study aims to analyze the impact of FinTech companies, bank-specific variables and macroeconomics on bank performance in Indonesia. This study covers banks listed on LQ45 during the period 2019 to 2023 using dynamic and static panel regression model using the Generalized Method of Moments (GMM) method. The results show that Fintech has a positive effect on ROA, ROE and NPL as bank indicators. INF has a positive effect on bank performance, while GDP has a negative effect on bank performance. CTI, DG, IIS and FC have a positive effect on bank performance. However, SIZE, CAP and LLP have a negative effect on bank performance. The results of this study can provide further insight into the relationship between FinTech and bank performance, as well as a consideration for the cooperation or adoption of FinTech in banking.
Pemberdayaan Masyarakat melalui Edukasi dan Literasi: Konsep Pariwisata Halal di Desa Tegalsari Muttaqin, Aminnullah Achmad; Satria, Dias; Hidayatuna, Aufa Shabrina; Rahmah, 'Aida Aulia; Suryawan, Helmi Bagus
BERDAYA: Jurnal Pendidikan dan Pengabdian Kepada Masyarakat Vol 8 No 1 (2026)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/berdaya.v8i1.1736

Abstract

Indonesia, with the largest Muslim population in the world, holds great potential in developing a sharia-based economy, including halal tourism. However, rural areas such as Tegalsari Village in Malang Regency have not fully optimized their local natural resources for halal tourism development. A community service program aimed to enhance community understanding of halal tourism and its economic opportunities. The program targeted village officials, local entrepreneurs, and youth representatives, employing a Participatory Action Research (PAR) approach. The main activity consisted of a one-day socialization involving 20 participants. Interactive discussions were also conducted to explore certification procedures, sharia-based economic practices, and village asset management. Reflection was carried out using a Likert-scale questionnaire to measure knowledge improvement, while evaluation was conducted through a pretest-posttest design analyzed using the Paired T-Test. The results indicated a significant increase in participants’ understanding of halal tourism concepts and local potential. Participants recognized that halal tourism is both religiously meaningful and strategically important to enhance village competitiveness, strengthen the local economy, and empower MSMEs. This program highlights that community involvement and knowledge dissemination are essential first steps in building sustainable and participatory halal tourism in rural areas.
Co-Authors Abdi, Tufail Rosyad Abdul Hakim Adicatra, Dayu Cakasana Agiel, Agiel Muhammad Azri Agustian, Sulistyana Dwi Akbar, Aqshal Haikal Antasyah Al Hafidtz, Naufal Yosda Al Muizzuddin Fazaalloh, Al Muizzuddin Aminnullah Achmad Muttaqin Amirusholihin Amirusholihin Ana Elisa Ananda Ismail, Navala Aurel Angelica, Mora Argatha Ariani, Falentina Dwi Asfi Manzilati Atifah, Nada Fikriyah Aurellia, Patricia Juan Bagyo Yanuwiadi Bagyo Yanuwiadi Basuki, Alif fikri Boy Frahansah Berutu Christiayu Natalia Citra Rahayu Indraswari, Citra Rahayu Dalimu, Aan Rivaldy Darmawan, Rifki David Kaluge Dewi Mayasari Dewi Mayasari Dwi Budi Santoso Dyah Wulan Sari Ezha Lintang Erdiningrum Farah Wulandari Pangestuty Fatimah Zahro Ferry Prasetyia Ghozali Maski Halimah, Nur Halimah Hendrawan Budi Susilo Hidayatuna, Aufa Shabrina Humahira , Haliza Vita Ida Kusnawati Tjahjani Ikhlaszul, Ammar Immanuel, Roisondo Indraswari, Citra Iswan Noor Joshi Maharani Wibowo Khusnul ASHAR Khusnul Ashar Khusnul Ashar Kristwanda, Princess Natalie Budi Kurniasari, Rurin M Pudjiharjo M. Umar Burhan Maharani, Adellia Rose Maya Maharani, Agnesia Majok, Alith Jacob Marsela, Cornelia Grace Mauline, Riesti Mochamad Nurcholis Monica, Aurenshia Muhammad Bagus Ramadhan Multifiah . Munawar Ismail Muzaki, Abim Nafi’ Nabila, Amabel nikmah, yuliani khoirun Nurissalsabila, Ningrum Nurwanti, Nida Azhari Petrus Jerry Pardomuan Pratomo, Satrio Purwanto, Muhammad Rizqy Rachmatullah, Yuda Bagus Rahmah, 'Aida Aulia Rahman, Ghiffary Muhammad Emier Rangga Bagus Subegti Riska Dwi Wulandari Sabrina Mufidha Sharfina Lubis Silviana Taniu Sri Muljaningsih Sukriyah, Sukriyah Supriani, Indri Supriyadi, Dedy SURYA DEWI RUSTARIYUNI Suryawan, Helmi Bagus Susilo Susilo Sutirta, Reyhan Sigit Tjahjani, Ida Kusnawati Tri Haryanto Trisna Trisna, Trisna Tyas Danarti Hascaryani Uma Adi Kusuma Wangsadireja, Bagia Wenny Bekti Sunarharum Wibowo, Joshi Maharani Yuniar Ponco Prananto Zamhir ZAMHIR Zamhir Zamhir