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DOES LOAN-TO-VALUE SUPPORT FINANCIAL STABILITY IN INDONESIA? AGUS SALIM; IGNATIUS ABASIMI; LESTARI SUKARNIATI; NAVEED ASLAM
JURNAL ILMIAH KOHESI Vol 7 No 1 (2023): JURNAL ILMIAH KOHESI
Publisher : LP2MTBM MAKARIOZ

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Abstract

One of which is loan to value (LTV). The implementation helps to improve financial stability. Our study analyses the impact of LTV on banking financial stability. We employ panel GMM-System to reduce the bias of analysis for eighteen commercial banks from 2004 to 2019. The result shows that the LTV instrument confirms an improvement effect on the financial stability index. It implies that the more tighten policy on mortgage and vehicle loan, the more stable financial system especially in banking sector in Indonesia.
Transmission of the Global Bank Liquidity Shock: Evidence from the US Foreign Bank Loans to Southeast Asian Economies Agus Salim; Ignatius Abasimi; Dini Yuniarti; Mahrus Lutfi Adi Kurniawan; Suripto Suripto; Naveed Aslam; Sunil Kumar Chaudhary
Journal of Economics Research and Social Sciences Vol 7, No 1: February 2023
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jerss.v7i1.16975

Abstract

The empirical debate of foreign bank loans as an international intermediation transfer from industrialized to developing market economies, which concentrated on expenses and advantages, has continued. Our manuscript analyzes the determinants of US bank loans in selected Southeast Asian emerging markets. The most critical variables, based on the statistical approach built around the system-GMM, have a considerable effect on the growth rates of the origin and destination countries. Remarkably, the exchange rate significantly becomes a risk indicator which decrease the US bank flow. Finally, shock in the US economy has been transmitted to the Southeast Asian economies through foreign bank flow.
ANALISIS TENAGA KERJA MIGRAN PROVINSI NUSA TENGGARA BARAT RIFKI KHOIRUDIN; EKA NURJANNAH; AGUS SALIM
JURNAL ILMIAH MAKSITEK Vol 8 No 1 (2023): JURNAL ILMIAH MAKSITEK
Publisher : LP2MTBM MAKARIOZ

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Abstract

Purpose from research .ini be to find Determinants worker migrant Indonesian at Island Southeast West. Data that Used deep research .ini be data secondary from Body Navel Statistics (BPS) and Body Protection Power Work Indonesian (BP3MI). By dimension time research .ini use data Panel that be Combined data time-series and Cross-sectional to 10 province and city at NTB era 2019-2021. Method that Used deep research .ini be Regression data Panel. Result research .ini show that variable poverty and Index Building Human Influential Significant towards sum TKI. At side other GRDP, unemployment and average education not Influential Significant towards sum worker migrant. At side other all variable free Influential Significant towards sum TKI at Island Southeast West.
Pengaruh Harga, Fasilitas, Lokasi, Lingkungan dan Pendapatan Terhadap Keputusan Pembelian Rumah di Kota Bekasi Putri Fauziyah; Uswatun Khasanah; Agus Salim
Jurnal HUMMANSI (Humaniora, Manajemen, Akuntansi) Vol 6 No 2 (2023): Jurnal HUMMANSI (Humaniora, Manajemen, dan Akuntansi)
Publisher : Sekolah Tinggi Ilmu Komputer YOS SUDARSO Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33488/1.jh.2023.2.379

Abstract

The need for shelter is one of the fundamental human needs, following clothing and food. Bekasi City is currently experiencing growth and has become a residential area for urban residents and an industrial center. This urbanization is driving population growth, leading to an increased demand for housing. This research aims to examine the influence of price, facilities, location, environment, and income on the decision to purchase a house in the Taman Mula Sakti Indah Housing Complex. The research is a survey study conducted using questionnaires to collect data. The population in this study consists of consumers in the Taman Mula Sakti Indah Housing Complex. The research sample was determined using the Slovin formula, resulting in a sample size of 88 respondents. The data analysis technique used in this study is multiple linear regression analysis. The research findings indicate that collectively, the independent variables, namely price, facilities, location, environment, and income, have a significant simultaneous influence on the dependent variable, which is the purchase decision. Partially, price, location, and income significantly influence the purchase decision variable (Y) in the Taman Mula Sakti Indah Housing Complex.
The Role of Credit for Poverty Alleviation in Indonesia: Evidence from Panel Data Analysis Ilyasa, Wahyu Nur; Kurniawan, Mahrus Lutfi Adi; Lubis, Firsty Ramadhona Amalia; Salim, Agus
Integrated Journal of Business and Economics (IJBE) Vol 9, No 2 (2025): Integrated Journal of Business and Economics
Publisher : Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/ijbe.v9i2.1101

Abstract

The challenge of zero poverty by 2030 is difficult to achieve amidst global uncertainty which has an impact on the domestic economy through a decrease in social budgets and a decrease in purchasing power which makes the domestic economy move slowly. The Asian Development Bank (ADB) has discussed the role of banking in alleviating poverty both directly and indirectly through industrialization, MSMEs and increasing productivity which has a multiplier effect on increasing employment and reducing poverty. Challenges regarding the link between the bank and non-bank financial industry to poverty alleviation are becoming increasingly high due to increasing global uncertainty in the last decade which has had an impact on the domestic economy. This research aims to analyze the influence of banking credit (in this study using MSME credit) and People's Business Credit (KUR) as government representatives in helping business actors to improve their businesses by accessing credit with low interest on poverty alleviation in Indonesia. The research combines time series data in this study, namely the 2017-2022 period and cross section data collected from 34 provinces in Indonesia using the Panel Feasible Generalized Squared (FGLS) approach. The research results show a contradiction between people's business credit and credit to MSMEs, where people's business credit cannot alleviate poverty while credit to MSMEs is effective in reducing poverty rates. The research implication is that financial sector development can be oriented towards alleviating poverty by implementing policies that support financial system stability.
Sustaining innovation: How financial investment shapes patent creation in leading economies? Gatari, Altis Puspa; Lubis, Firsty Ramadhona Amalia; Khoirudin, Rifki; Az Zakiyyah, Nurul Azizah; Kurniawan, Mahrus Lutfi Adi; Salim, Agus
Jurnal Ekonomi & Studi Pembangunan Vol. 25 No. 2: October 2024
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jesp.v25i2.26366

Abstract

This study aims to analyze the role of liquidity in promoting patent-based innovation in the 10 countries with the highest innovation rates during the period 2012-2021. Using secondary data from the World Development Indicators (WDI), World Intellectual Property Organization (WIPO), and World Integrated Trade Solution (WITS), this study applies panel data regression method with Seemingly Unrelated Regression (SUR) approach to identify the influence of economic variables on the number of patents. The independent variables analyzed include equity x high technology, credit x high technology, industrial value added, exports, and liquidity. The results show that high-tech-based equity and credit have a significant influence on increasing the number of patents, while exports and liquidity do not show a meaningful influence. Value-added was also shown to have a significant contribution to innovation. These findings indicate that funding stability and long-term investment in research and development (R&D) determine innovation success more than the level of liquidity of the firm. Therefore, government policies and funding strategies should focus on improving access to high-tech-based financing as well as incentivizing R&D activities to foster a sustainable innovation ecosystem.