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All Journal Jurnal Iqtisad Economic Journal of Emerging Markets Jurnal Keuangan dan Perbankan Kinerja JEJAK Journal of Economics, Business, & Accountancy Ventura Journal of Indonesian Economy and Business Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Jurnal Ekonomi Syariah Teori dan Terapan Global Review of Islamic Economics and Business Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Economica: Jurnal Ekonomi Islam Jurnal Ekonomi & Keuangan Islam Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Shirkah: Journal of Economics and Business International Journal of Islamic Business and Economics (IJIBEC) EkBis: Jurnal Ekonomi dan Bisnis Share: Jurnal Ekonomi dan Keuangan Islam WELFARE Jurnal Ilmu Ekonomi Unisia Jurnal Keuangan dan Perbankan Mutanaqishah: Journal of Islamic Banking Journal of Islamic Economics Lariba Jurnal Kebijakan Ekonomi dan Keuangan Review of Islamic Social Finance and Entrepreneurship IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita JPS (Jurnal Perbankan Syariah) International Journal of Islamic Business and Economics (IJIBEC) Jurnal Analisis Bisnis Ekonomi Muqtasid: Jurnal Ekonomi dan Perbankan Syariah
Agus Widarjono
Department Of Economics, Faculty Of Business And Economics, Universitas Islam Indonesia
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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Analysis of Rice Imports in Indonesia: AIDS approach Agus Widarjono
Journal of Economics, Business, and Accountancy Ventura Vol. 21 No. 2 (2018): August - November 2018
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v21i2.1212

Abstract

Rice is a staple food for Indonesian households. After achieving self-sufficiency of rice in 1984, Indonesia still had to import rice because the domestic rice consumption always exceeded the domestic rice production.  This study attempts to analyze a rice import during the 1998-2014 period. The rice import was analyzed based on the main partner of Indonesian rice imports encompassing of Vietnam, Thailand, USA, Other countries. This research applied the demand system method using Almost Ideal Demand System (AIDS). The results indicate that price elasticity of rice import from Vietnam and Thailand was inelastic while from other countries, they were elastic. Based on the expenditure elasticity of rice import, rice is the normal goods for rice import from Thailand and USA. The policy simulation shows that the increase in the price of rice import leads to the decrease of rice import.  However, rice import from certain countries such as Thailand still increase. Rice is the staple food, therefore, the government must set up policy to increase domestic rice production for reducing dependency on rice imports.
Determinant of sharia rural bank profitability: Do size and location matter? Agus Widarjono
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol. 15 No. 2 (2024): December 2024
Publisher : Faculty of Islamic Economics and Business, UIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v15i2.139-154

Abstract

This research analyzes the influence of bank fundamentals, bank size, location, and macroeconomic variables on the profitability of Sharia Rural Banks (SRBs) in Indonesia. Our study investigates 90 banks located on the island of Java. The research period is 2018-2021, using quarterly data. The dynamic panel regression is employed with a GMM method. The findings indicate that strong bank fundamentals, as indicated by large assets, high CAR, and high efficiency, have a positive effect on profitability. There are two other interesting findings in this study. First, large SRBs encourage high profitability. Second, locations with high economic growth and high religiosity foster profitability. Some policy implications can be drawn from our findings. First, SRB must have sufficient capital and a high level of efficiency to increase profitability. Second, a large SRB is the best choice for an SRB to have sound financial performance. Third, SBRs must intensively introduce Sharia banking products to the public to increase their performance because religiosity is an important factor in determining profitability.
Analisis kesediaan membayar (willingness to pay) pengunjung Desa Wisata Among Kisma Lumbung Mataraman Bendung Semin Gunungkidul Trianingsih, Trianingsih; Widarjono, Agus
Jurnal Kebijakan Ekonomi dan Keuangan Volume 5 Issue 1, Juni 2026
Publisher : Jurusan Ilmu Ekonomi, Fakultas Bisnis dan Ekonomika, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JKEK.vol5.iss1.art9

Abstract

Purpose – This study analyzes visitors’ Willingness to Pay (WTP) at Among Kisma Tourism Village, Lumbung Mataraman, Bendung Semin, Gunungkidul. Methods – This study used the Contingent Valuation Method (CVM) and logit regression applied to 92 purposively selected respondents. USG (Urgency, Seriousness, Growth) analysis was used to determine policy priorities in management.Findings – The results of this study indicate that age and education significantly positively influence WTP, while income significantly negatively influences it. Tourism costs and visit frequency have no significant impact.Implication – Findings provide guidance for policymakers and managers in developing sustainable, community-based tourism strategies.Originality – This research integrates CVM, logit regression, and USG analysis to link economic valuation with local wisdom–based tourism, offering a practical model for sustaining agro-educational tourism villages. AbstrakTujuan – Penelitian ini menganalisis kesediaan membayar (Willingness to Pay/WTP) pengunjung Desa Wisata Among Kisma, Lumbung Mataraman, Bendung Semin, Gunungkidul. Metode – Penelitian ini menggunakan Contingent Valuation Method (CVM) dan regresi logit yang diterapkan pada 92 responden yang dipilih secara purposive. Analisis USG (Urgency, Seriousness, Growth) digunakan untuk menentukan prioritas kebijakan dalam pengelolaan.Temuan – Hasil penelitian ini menunjukkan bahwa usia dan pendidikan berpengaruh positif signifikan terhadap WTP, sedangkan pendapatan berpengaruh negatif signifikan, sementara biaya wisata dan frekuensi kunjungan tidak berpengaruh signifikan.Implikasi – Hasil penelitian memberikan arahan bagi pemerintah dan pengelola dalam merancang strategi wisata berkelanjutan berbasis masyarakat.Orisinalitas – Penelitian ini mengintegrasikan CVM, regresi logit, dan analisis USG untuk menghubungkan valuasi ekonomi dengan pariwisata berbasis kearifan lokal, sehingga menghasilkan model praktis bagi keberlanjutan desa wisata agroedukatif.
The effect of liquidity risk on Sharia rural banks’ profitability: The role of size and ownership Rahmany, Sri; Widarjono, Agus; Che Arshad, Noraziah; Hendri, Zul
Journal of Islamic Economics Lariba Vol. 12 No. 1 (2026)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol12.iss1.art26

Abstract

IntroductionLiquidity risk arises from its inability to meet its obligations or to fund an increase in assets at maturity without incurring unacceptable costs or losses. Accordingly, it is essential to gain a deeper understanding of the underlying relationship between bank liquidity and bank performance.ObjectivesThe goal of this study is to investigate the impact of liquidity risk on the profitability of Shariah Rural Banks (SRBs), controlling for market competition, bank-specific variables, and macroeconomic conditions. MethodThe study analyzed 154 SRBs from 2015 to 2023 using quarterly data. The total number of observations is 5,496 with unbalanced panel data. This study employs panel regression to investigate the impact of liquidity risk on profitability. ResultsThe liquidity risk decreases profitability. Small SRBs encounter more risks related to liquidity risk than large Islamic banks. The local state-owned SRBs are more effective in mitigating the negative impact of funding risk on profitability. Also, strong market power and bank fundamentals support profitability. Furthermore, a good economic condition boosts profitability. ImplicationsFirst, policymakers must oversee the liquidity risk management of SRBs to ensure that the negative impact of mismatched maturity on profits is relatively small. Second, SRB must effectively manage liquidity risk by carefully selecting customers and closely monitoring financing when they are at high liquidity risk.Originality/NoveltyThe empirical research on the impact of liquidity risk on SRB's profitability is still rare to date. Our research explores the effect of liquidity risk on profitability, considering bank size and bank ownership as moderating variables.
SECTORAL FINANCING CONCENTRATION AND SHARIA RURAL BANKS’ PROFITABILITY Agus Widarjono; Mustika Mifrahi
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 10 No. 2 (2024): JULY - DECEMBER 2024
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v10i2.59121

Abstract

Introduction: Sharia rural banks (SRBs) in Indonesia face high non-performing financing (NPF). The high NPF likely causes a decrease in the profitability of SRBs. One strategy to overcome high financing risk is selecting the appropriate financing strategy either sectoral financing diversification or concentration. This study explores the impact of sectoral financing concentration along with some control variables on the profitability of Sharia rural banks in Indonesia using aggregate data of SRBs from 2010:M1 to 2023:M12 Methods: Our study employs the quantitative method utilizing the Autoregressive Distributed Lag (ARDL). Returns on Assets (ROA) are utilized to measure profitability and Sectoral financing concentration is measured by the Herfindahl-Hirschman index (HHI). Some control variables are assets, capital adequacy ratio (CAR), financing (FIN), cost-income ratio (CIR), NPF, consumer price index (CPI), and COVID. Results: The results show cointegration, indicating the long-run relationship among the variables being studied. The findings signify that sectoral financing concentration fortifies Sharia rural banks' profitability. Also, the size and equity enhance profitability. The results also highlight that low inflation increases profitability and COVID-19 lowers profitability. Conclusion and suggestion: Our results suggest that Sharia rural banks should have competent experts in specific economic sectors such as trade, restaurants, and hotels, which generate more profit due to comparative advantage.
Cash Flow Risk and Financial Balance: Evidence from Islamic Rural Banks in Indonesia Zul Hendri; Sollehudin Shuib; Agus Widarjono; Fitriasari Sintarini
Economica: Jurnal Ekonomi Islam Vol. 16 No. 1 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2025.16.1.25835

Abstract

This study delves into the impact of funding liquidity risk (FLR) counting, including several bank-specific variables and the Coronavirus outbreak, on the balance of Islamic rural banks (IRBs) in Indonesia. Utilizing unbalanced quarterly panel data from 97 IRBs in Java from 2015 (Q1) to 2023 (Q4), the analysis is conducted using panel data regression. The results confirm that FLR significantly decreases bank stability. However, this negative influence was notably weakened during the COVID-19 Crisis. The analysis further reveals that the negative outcome of FLR on stability is more pronounced in smaller IRBs compared to their larger counterparts. Additionally, the findings show that while bank capital and operational efficiency enhance balance, factors such as larger bank size, high financing levels, and the pandemic period itself tend to reduce it. This research offers two key implications. Theoretically, it highlights how FLR can erode stability, a risk amplified when banks undertake high-risk investments. Practically, it underscores the critical need for especially the smaller IRBs to proactively manage asset-liability maturity mismatches to ensure financial stability.
Co-Authors Akhsyim Afandi, Akhsyim Che Arshad, Noraziah Devi Utami Rika Safitri Dityawarman El Aiyubbi Dyah Widhowaty Eko Purnomo Putri Firna Hayyu Nindya Maritsa Fitrah, Jauharil Fitriasari Sintarini Hapsari, Putri Nela Hendri, Zul Jaya, Yozar Putra Jusuf, Nurain M.Bekti Hendri Anto MB Hendrie Anto Muhammad Akhyar Adnan Muhammad Muhammad Munrokhim Misanam Munrokhim Misanam, Munrokhim Mustika Mifrahi Nabilah Amir Nur Indah Hardianti Qonitat Az-Zahra Rahmany, Sri Rahmat Rahmat Rudatin, Ari Sahabuddin Sidiq Sarastri Mumpuni Rucbha Septiana Indarwati Shuib, Mohd Sollehudin Sidiq, Sahabudin Sidiq Sintia Dewi Nur Ajizah Sollehudin Shuib Trianingsih, Trianingsih Wiranata, Bagas Zhafira Mardhiyah Zul Hendri