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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.
Fintech and Financial Access: Demographic Drivers of Financial Inclusion in Indonesia Sim, Yulia Melyanda; Dias Satria
Contemporary Studies in Economic, Finance and Banking Vol. 5 No. 1 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2026.05.1.06

Abstract

This study explores the influence of infrastructural and demographic determinants on the adoption of FinTech in Indonesia using Global Findex 2021 data. The binary dependent variable is an indicator of mobile money or digital payments usage. Probit and Logit models are applied to examine such variables as employment, income, education, age, gender, rural residence, phone possession, and internet usage. Results show that education, employment, gender, mobile phone, and internet usage significantly and positively affect adoption, but income and age do not. Logit model fits better as per fit statistics and residual analysis. The results confirm the need for inclusive infrastructure and digital literacy to drive financial inclusion.
MODAL SOSIAL DAN EKOWISATA: STUDI KASUS DI BANGSRING UNDERWATER, KABUPATEN BANYUWANGI Kusuma, Uma Adi; Satria, Dias; Manzilati, Asfi
Jurnal Ilmu Ekonomi dan Pembangunan Vol 17, No 2 (2017): Jurnal Ilmu Ekonomi dan Pembangunan
Publisher : EP FEB UNS

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (351.009 KB) | DOI: 10.20961/jiep.v17i2.11664

Abstract

This study investigates the role of social capital in the development of ecotourism in Bangsring Underwater, Banyuwangi. This study uses a qualitative approach to explore the role of social capital in supporting ecotourism development. Social capital has a positive influence in the success of empowerment programs conducted to the fishermen in changing fishing patterns and preserving the marine environment. Lastly, a strong social capital in the community can reduce the transaction costs. Keywords: Social Capital, Ecotourism dan Transaction Costs     
Not All Determinants Are Equal: A Systematic Literature Review of Education, Employment Status, and Household Size in Household Extreme Poverty Yusuf Husain; Agus Suman; Dias Satria
Journal of Mathematics Instruction, Social Research and Opinion Vol. 5 No. 3 (2026): September
Publisher : MASI Mandiri Edukasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58421/misro.v5i3.1829

Abstract

Extreme poverty remains an urgent global development challenge. Determinants such as education, employment status, and household size are often studied in isolation, fragmenting understanding of their interactions, while findings are inconsistent, particularly for household size and informal employment, motivating this review. This study synthesizes empirical evidence on how educational attainment, employment status, and household size affect the probability of household extreme poverty, identifying patterns of consistency and inconsistency across prior studies. Following PRISMA guidelines, this Systematic Literature Review searched Scopus using a Boolean string combining keywords for education, employment status, household size, and extreme poverty. Studies were selected via inclusion and exclusion criteria on year, language, type, and relevance; extraction was narrative, without formal quality assessment. Twelve studies support a negative education effect, though two report non-significant or reversed results. Eight studies link unstable employment to higher poverty risk, but only two directly test the formal-informal dichotomy. Nine studies agree that a larger household size raises poverty risk, though the magnitude varies up to sevenfold. Education and household size offer the most consistent evidence as determinants, while employment status needs further direct testing given reliance on non-equivalent proxies. Future research should integrate all three determinants into a single model and apply meta-analysis to test the identified magnitude gaps.
Bridging The Digital Divide: Internet Access And Farmer Poverty In East Java Dias Satria; Christiayu Natalia
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.
ANALYSIS OF FINANCIAL LITERACY THROUGH THE USE OF SOCIAL MEDIA TOWARD FINANCIAL INCLUSION IN MSMES IN MALANG CITY Ana Pralisti; Dias Satria
Journal of Economic, Bussines and Accounting (COSTING) Vol. 8 No. 4 (2025): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/6cdzb847

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are a key focus of Indonesia’s economic development efforts. In Malang City, while financial inclusion has reached 86.53%, the level of financial literacy remains relatively low at 69.43%. This study explores how both general and digital financial literacy, along with the use of digital payment systems, affect MSMEs' ability to access formal financial services. It also examines the influence of social media in shaping the relationship between financial literacy, digital literacy, digital payment usage, and financial inclusion among MSMEs in the region. Furthermore, the research assesses whether social media acts as a moderating variable in these relationships. Adopting a quantitative research design, data were collected from 380 MSME owners through a structured questionnaire and analyzed using the Smart PLS (Partial Least Squares) method. The findings indicate that general financial literacy, digital financial literacy, and digital payments significantly contribute to enhancing financial inclusion, thereby improving MSMEs' access to formal financial services. However, the moderating role of social media remains limited, suggesting the need for more strategic and effective social media engagement to better integrate digital competencies, financial literacy, and digital payment practices. Ultimately, this research provides valuable insights into strengthening MSMEs and introduces a digital finance framework to advance financial inclusion.
Co-Authors Abdi, Tufail Rosyad Abdul Hakim Adicatra, Dayu Cakasana Agiel, Agiel Muhammad Azri Agus Suman Agustian, Sulistyana Dwi Akbar, Aqshal Haikal Antasyah Al Hafidtz, Naufal Yosda Al Muizzuddin Fazaalloh, Al Muizzuddin Amirusholihin Amirusholihin Ana Elisa Ana Pralisti 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 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 Rahman, Ghiffary Muhammad Emier Rangga Bagus Subegti Riska Dwi Wulandari Sabrina Mufidha Sharfina Lubis Silviana Taniu Sim, Yulia Melyanda Sri Muljaningsih Sukriyah, Sukriyah Supriani, Indri Supriyadi, Dedy SURYA DEWI RUSTARIYUNI Susilo Susilo Sutirta, Reyhan Sigit Tjahjani, Ida Kusnawati Tri Haryanto Trisna Trisna, Trisna Tyas Danarti Hascaryani Uma Adi Kusuma, Uma Adi Wangsadireja, Bagia Wenny Bekti Sunarharum Wibowo, Joshi Maharani Yuniar Ponco Prananto Yusuf Husain Zamhir ZAMHIR Zamhir Zamhir