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The Role of Religious Norms On Selecting The Islamic Bank Hardius Usman
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 7, No 1: January 2015
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta

The aims of this study are to examine Muslim’s religious norms regarding to their belief on the law of the prohibition of bank interest, and to investigate the effect of religius norms on customers’ decision in using the Islamic banking services. This study employs natural experimental design with Analysis of Variance (ANOVA), and Pearson Chi-Square Test. The exploratory study also conducted to support the quantitative analysis. The results show that the religious norms among Muslims classified into two categories, i.e: traditional and contemporary group and the religious norm of the Muslim have significant affects on the decision in using the Islamic banks.DOI:10.15408/aiq.v7i1.1356

Analisis Pengangguran Usia Muda di Pulau Jawa Sebelum dan Saat Pandemi Covid-19 Meilani Thereza Br. Saragih; Hardius Usman
Jurnal Studi Pemuda Vol 10, No 2 (2021): Generasi Muda, Kerja dan Aspirasi Masa Depan
Publisher : Universitas Gadjah Mada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22146/studipemudaugm.69484

The Covid-19 pandemic has harmed the employment sector. Many companies do layoffs of employees and limit the recruitment of new employees. As a result, there is an increase in unemployment, especially in the younger age group. This study aims to analyze the status of youth unemployment in Java in the period before and during the Covid-19 pandemic, as well as the effect of the Covid-19 pandemic on youth unemployment in Java. The island of Java was chosen as the research locus because it is the area most affected by the Covid-19 pandemic in Indonesia. To achieve these objectives, we used the binary logistic regression analysis method with interaction effect. The results showed that gender, residency, education level, graduation time, marital status, work experience, and migration status affected the youth unemployment status in Java before and during the Covid-19 pandemic. In addition, the occurrence of the Covid-19 pandemic in 2020 affected youth unemployment in Java Island. There are different conditions of youth unemployment status in the period before and during the Covid-19 pandemic in terms of residency, education level, work experience, and migration status.

Analisis Pengangguran Usia Muda di Pulau Jawa Sebelum dan Saat Pandemi Covid-19 Meilani Thereza Br. Saragih; Hardius Usman
Jurnal Studi Pemuda Vol 10, No 2 (2021): Generasi Muda, Kerja dan Aspirasi Masa Depan
Publisher : Universitas Gadjah Mada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22146/studipemudaugm.69484

The Covid-19 pandemic has harmed the employment sector. Many companies do layoffs of employees and limit the recruitment of new employees. As a result, there is an increase in unemployment, especially in the younger age group. This study aims to analyze the status of youth unemployment in Java in the period before and during the Covid-19 pandemic, as well as the effect of the Covid-19 pandemic on youth unemployment in Java. The island of Java was chosen as the research locus because it is the area most affected by the Covid-19 pandemic in Indonesia. To achieve these objectives, we used the binary logistic regression analysis method with interaction effect. The results showed that gender, residency, education level, graduation time, marital status, work experience, and migration status affected the youth unemployment status in Java before and during the Covid-19 pandemic. In addition, the occurrence of the Covid-19 pandemic in 2020 affected youth unemployment in Java Island. There are different conditions of youth unemployment status in the period before and during the Covid-19 pandemic in terms of residency, education level, work experience, and migration status.

INDEKS KOMPOSIT PEKERJAAN TIDAK LAYAK (IPTL) DI INDONESIA Katamso Noto Santoso; Hardius Usman
Jurnal Kependudukan Indonesia Vol 15, No 1 (2020)
Publisher : Research Centre for Population, Indonesian Institute of Sciences

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14203/jki.v15i1.493

The open unemployment rate in Indonesia was 5.50 in August 2017. This figure was the lowest level in comparison to rates in previous years. The declining rate of unemployment over the past decade was in line with the increasing trend of risky work. This situation may indicate recent job opportunities are likely to be risky or categorized as non-decent works. To understand the conditions of non-decent work in Indonesia, a composite index measurement, which is currently not available, is needed. Thus, this study aims to develop such a composite index called Non-Decent Work Index (NDWI) to fill this gap. The method applied for the composite index formation is factor analysis. The findings indicate three factors of NDWI. It is also found that NDWI has a significant relationship with human development index and labor productivity. Therefore, Indonesia government needs to address the problem of inadequate employment conditions in this country. It is because decent work is the central aspect of efforts to reduce poverty

Intensi Generasi Milenial Dalam Memilih Pembiayaan Kredit Kepemilikan Rumah Pada Bank Syariah Di Indonesia Sheila Annisa; Nurdin Sobari; Hardius Usman
Jurnal sosial dan sains Vol. 1 No. 8 (2021): Jurnal Sosial dan Sains
Publisher : Green Publisher Indonesia

Memiliki rumah adalah idaman setiap orang, karena tempat tinggal merupakan kebutuhan dasar manusia. Pada kenyataannya, kemampuan finansial atau tingkat daya beli tidak sejalan dengan kenaikan harga perumahan yang cenderung naik setiap tahunnya. Peluang inilah yang dimanfaatkan oleh banyak lembaga keuangan termasuk perbankan syariah untuk menawarkan produk pembiayaan dalam hal kepemilikan rumah (KPR). Masyarakat usia produktif merupakan prospek bagi pertumbuhan bank syariah. Penelitian ini bertujuan untuk mengetahui faktor – faktor yang dapat memengaruhi intensi generasi milenial dalam memilih pembiayaan KPR di bank Syariah. Penelitian ini mengangkat Theory Reasoned Action dengan menggunakan populasi responden yang berasal dari nasabah bank generasi milenial di Indonesia. Variabel dependen dalam penelitian ini adalah atitude dan intensi generasi milenial, sedangkan variabel independen yang digunakan dalam penelitian ini adalah Service Quality, Product Choice, Islamic Debt Policy, Pricing Policy, Institutional Compliance on Maqashid dan Social Influence. Data dikumpulkan menggunakan kuesioner dengan skala likert. Sedangkan untuk mengetahui karakteristik responden dan untuk memenuhi tujan penelitian, data dianalisis dengan menggunakan Partial Least Square (PLS) dengan bantuan aplikasi SMART PLS. Dari hasil penelitian didapatkan bahwa ada tiga variabel independen yang berpengaruh positif dan signifikan terhadap terbentuknya Attitude seseorang, yaitu Product Choice, Institutional Compliance on Maqashid dan Social Influence. Selain itu, Attitude sendiri memengaruhi sebesar 73% terhadap intensi generasi milenial dalam memilih KPR di Bank Syariah

Pengaruh karakteristik ibu terhadap munculnya pekerja anak di Indonesia tahun 2018 Gratiana Imelda Nahak; Hardius Usman
Jurnal Kependudukan Indonesia Vol 17, No 2 (2022)
Publisher : Research Centre for Population, National Research and Innovation Agency (BRIN)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14203/jki.v17i2.643

The issue of child labor remains unresolved in Indonesia, hindering the achievement of one of the United Nations' Sustainable Development Goals (SDGs), which is to end child labor in all forms by 2025. This study aimed to examine the characteristics of child laborers aged 10-17 years old and the impact of maternal characteristics on child labor in Indonesia in 2018. The study analyzed data from the 2018 Indonesian Central Bureau of Statistics (Susenas KOR) survey using binary logistic regression. The results showed that most child laborers had mothers who were heads of households, had low levels of education, were disabled, had severe illnesses, were of productive age, had previously been married, and were recent migrants. It was concluded that maternal position in the household, maternal education level, maternal health status for severe illnesses, maternal age, and migration status significantly affected the prevalence of child labor in Indonesia in 2018. On the other hand, maternal physical condition, health status for mild illnesses, and marital status did not have an impact on child labor in Indonesia in 2018.

Determinan Status Horizontal Mismatch pada Pekerja Lulusan Pendidikan Tinggi di Indonesia Agil Priyovi Yonanda; Hardius Usman
Jurnal Ketenagakerjaan Vol 18 No 2 (2023)
Publisher : Pusat Pengembangan Kebijakan Ketenagakerjaan Kementerian Ketenagakerjaan Republik Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47198/jnaker.v18i2.239

Permasalahan dalam dunia ketenagakerjaan merupakan masalah yang cukup kompleks bagi setiap negara di dunia, tak terkecuali Indonesia. Penawaran dan permintaan tenaga kerja yang tidak seimbang menyebabkan banyak pekerja lulusan pendidikan tinggi memutuskan untuk mencari pekerjaan atau bekerja tanpa menghiraukan latar belakang bidang yang dipelajarinya ketika di pendidikan tinggi. Ketidakcocokan antara latar belakang bidang pendidikan yang dipelajari dengan pekerjaan yang dilakukannya disebut dengan horizontal mismatch. Penelitian ini bertujuan untuk mengetahui gambaran kondisi horizontal mismatch pada pekerja lulusan pendidikan tinggi di Indonesia dan karakteristik yang memengaruhinya berdasarkan data dari Survei Angkatan Kerja Nasional (Sakernas) Februari 2022. Metode analisis yang digunakan adalah analisis regresi logistik biner. Hasil penelitian ini menunjukkan pekerja lulusan pendidikan tinggi di Indonesia yang mengalami horizontal mismatch adalah sebanyak 33,50 persen dengan karakteristik yang memengaruhinya adalah umur, jenis kelamin, status perkawinan, tingkat pendidikan tinggi terakhir, rumpun bidang studi, keikutsertaan pelatihan, dan pengalaman bekerja sebelum lulus. Hasil tersebut dapat digunakan pemerintah dalam menentukan kebijakan mengenai penyerapan tenaga kerja lulusan pendidikan tinggi agar sesuai dengan bidang yang dipelajarinya dan mencegah dampak negatif dari horizontal mismatch.

Kangaroo Market Phenomenon: Identification and Impact on Indonesia’s Economic Growth Saifullah Fatah; Hardius Usman
EKUILIBRIUM : JURNAL ILMIAH BIDANG ILMU EKONOMI Vol 19, No 2 (2024): September
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/ekuilibrium.v19i2.2024.pp289-308

The stock market holds a crucial role in a country's economy, including Indonesia. As an indicator, the Jakarta Composite Index (JCI) experiences volatility alongside changes in the Indonesian economy. The presence of a kangaroo market in JCI returns can pose a risk of future economic slowdown, making it crucial for monetary authorities to intervene to stabilize the stock market. Therefore, this study identifies the kangaroo market phenomenon, structural economic changes, and the impact of the kangaroo market phenomenon on Indonesia's economic growth. The study focuses on many variables, including JCI returns, kangaroo market, and economic growth from Q3 1995 to Q4 2023. By using the Hodrick-Prescott Filter to define a kangaroo market as JCI returns that lack a deterministic trend, have high volatility, and deviate by one standard deviation from their volatility trend, the results show that most kangaroo phenomena occur during undervaluation. Following the kangaroo market phenomenon, Indonesia's economy underwent five structural changes based on the multiple breakpoint test. Using dynamic linear regression, the overvaluation kangaroo phenomenon negatively affects Indonesia's economic growth, while the undervaluation kangaroo phenomenon has no impact but shows a positive direction.

The Determinants of Intention to Adopt Islamic Financial Technology in Indonesia Pardiansyah, Elif; Sobari, Nurdin; Usman, Hardius
EQUILIBRIUM Vol 10, No 2 (2022): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v10i2.16539

This study analyses the factors determining the intention to adopt Islamic financial technology for Muslim users in Indonesia. This study uses a quantitative approach to analyze the determinant of intention to adopt Islamic fintech. The analysis was carried out using Structural Equation Modeling (SEM) with the SmartPLS application tool to examine the relationship between variables in the model. 205 respondents were selected through a purposive sampling technique to get Muslim respondents in Jabodetabek and Bandung who had used fintech applications but had not used sharia fintech. The results showed that the determinant of intention to use Islamic fintech is positively and significantly influenced by Perceived Usefulness (PU) and attitude (A). Meanwhile, perceived ease of use (PEOU), trust (T), and religiosity (R) have a positive but not significant effect on the intention to use (ITU) Islamic fintech. Indirectly, perceived ease of use and trust has a positive and significant effect on the intention to use Islamic fintech through perceived usefulness (PU) and attitude variables; perceived usefulness (PU) and religiosity (R) have a positive and significant effect on the intention to use Islamic fintech through attitude.

CAPAIAN PERTUMBUHAN EKONOMI INKLUSIF DAN KETIMPANGAN GENDER DI INDONESIA: ANALISIS PERSAMAAN SIMULTAN DATA PANEL Rofatunnisa, Sifa; Usman, Hardius
Jurnal Ekonomi & Kebijakan Publik Vol 14, No 1 (2023)
Publisher : Pusat Penelitian, Badan Keahlian DPR RI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22212/jekp.v14i1.2530

Indonesia is still facing the problem of reducing poverty and income inequality which did not show significant changes during 2015- 2019. Achieving gender equality is one of the strategies that can help to achieve inclusive economic growth. Based on the Human Development Report, Indonesia is ranked 4th with the highest Gender Inequality Index in ASEAN countries. This study aims to analyze the impact of gender inequality in education and employment on achieving economic growth inclusiveness by analyzing the simultaneity pattern between four indicators of inclusive growth: economic growth, poverty rates, employment opportunities, and income inequality, in Indonesia during 2015-2019. The estimation method used in this study is EC2SLS. The pattern of simultanety gives the conclusion that economic growth in Indonesia is not yet inclusive. The estimation results show that the ratio of the average years of schooling of female to male and the average of women’s earnings significantly increases economic growth. The ratio of labor force participation rate significantly increases employment opportunities, the ratio of literacy rate significantly reduces poverty. The ratio of the gross participation rate at the tertiary level significantly reduces income inequality, the ratio of the net participation rate at the junior high school level significantly increases income inequality.Keywords: inclusive economic growth, gender inequality, simultaneous equality, EC2SLSAbstrakIndonesia masih menghadapi masalah laju penurunan kemiskinan dan penurunan ketimpangan pendapatan yang tidak menunjukkan perubahan yang signifikan selama periode 2015-2019. Salah satu strategi yang dapat mendukung tercapainya pertumbuhan ekonomi inklusif adalah dengan mewujudkan kesetaraan gender. Berdasarkan Human Development Report, Indonesia menempati peringkat ke-4 dengan Indeks Ketimpangan Gender tertinggi di negara-negara ASEAN. Penelitian ini bertujuan menganalisis dampak ketimpangan gender dalam pendidikan dan pekerjaan terhadap pencapaian inklusivitas pertumbuhan ekonomi dengan melihat pola simultanitas antara keempat indikator pertumbuhan inklusif, yaitu pertumbuhan ekonomi, tingkat kemiskinan, kesempatan kerja, dan ketimpangan pendapatan di Indonesia selama periode 2015-2019. Metode estimasi yang digunakan dalam penelitian ini adalah EC2SLS (Error Component Two Stage Least Square). Pola simultanitas yang terjadi memberikan kesimpulan bahwa pertumbuhan ekonomi yang terjadi di Indonesia belum inklusif. Hasil estimasi menunjukkan bahwa rasio rata-rata lama sekolah perempuan terhadap laki-laki dan rata-rata upah perempuan signifikan meningkatkan pertumbuhan ekonomi. Rasio tingkat partisipasi angkatan kerja perempuan terhadap laki-laki signifikan meningkatkan kesempatan kerja dan rasio angka melek huruf perempuan terhadap laki-laki signifikan menurunkan kemiskinan. Rasio angka partisipasi kasar perempuan terhadap laki-laki di jenjang perguruan tinggi signifikan menurunkan ketimpangan pendapatan. Rasio angka partisipasi murni perempuan terhadap laki-laki di jenjang pendidikan SMP signifikan meningkatkan ketimpangan pendapatan.Kata kunci: pertumbuhan ekonomi inklusif, ketimpangan gender, persamaan simultan, EC2SLS

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