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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.
Peningkatan Daya Saing UKM Bakpia Eny 523 Yogyakarta Melalui Pengembangan Strategi Pemasaran dan Branding UMKM Suripto Suripto; Agus Salim; Mahrus Lutfi Adi Kurniawan; Muhammad Safar Nasir
Prosiding Seminar Nasional Pengabdian Masyarakat Vol. 3 (2025): Prosiding Seminar Nasional Pengabdian Masyarakat
Publisher : CV. Dharma Samakta Edukhatulistiwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61142/psnpm.v3.266

Abstract

UKM Bakpia Eny 523 di Yogyakarta menghadapi kendala dalam memperluas pasar karena keterbatasan strategi pemasaran, lemahnya branding, dan belum adanya rencana bisnis yang sistematis. Kegiatan pengabdian ini bertujuan meningkatkan kapasitas pegawai UKM melalui pendekatan partisipatif yang menekankan pelatihan praktis dan penyusunan business plan sederhana sebagai fondasi daya saing usaha. Program dilaksanakan dalam empat sesi workshop meliputi konsep pemasaran dan penguatan merek, praktik pemasaran digital menggunakan Instagram, WhatsApp Business, dan marketplace, peningkatan pelayanan konsumen, serta strategi promosi dan penetapan harga. Evaluasi dilakukan dengan kuesioner skala Likert lima poin untuk mengukur lima dimensi utama: pemahaman pemasaran, kemampuan digital marketing, pelayanan konsumen, strategi harga, dan dampak pelatihan secara keseluruhan. Hasil menunjukkan peningkatan signifikan pada aspek pemahaman pemasaran, penguatan branding, dan kualitas pelayanan, sementara penerapan digital marketing dan strategi harga masih memerlukan pendampingan lanjutan agar lebih optimal. Temuan ini menunjukkan bahwa penguatan keterampilan praktis berbasis digital dan penyusunan rencana bisnis sederhana menjadi langkah penting dalam meningkatkan daya saing serta keberlanjutan usaha UMKM kuliner khas daerah di tengah perubahan pola konsumsi dan dinamika pasar yang semakin digital dan juga perlu dilakukan monitoring minimal selama enam bulan, mencakup evaluasi omzet, konsistensi penerapan branding, serta pelayanan konsumen.
Penguatan UMKM kuliner: pendekatan finansial, branding product, dan CSR Gea Dwi Asmara; Rahmat Saleh; Muhammad Safar Nasir; Rinda Kumala Wati; Agus Salim; Indanazulfa Qurrota A'yun
SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Vol 9, No 4 (2025): Juli
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jpmb.v9i4.31462

Abstract

Abstrak Usaha Mikro, Kecil, dan Menengah (UMKM) sektor kuliner memegang peran penting dalam mendukung perekonomian nasional. Namun demikian, masih banyak pelaku UMKM yang menghadapi berbagai tantangan dalam pengembangan usahanya, termasuk akses permodalan, keterbatasan pemasaran digital, serta rendahnya kesadaran akan pengelolaan limbah yang berkelanjutan. Warung Sate Kambing Pakdhe, yang berlokasi di Bantul, Yogyakarta, merupakan salah satu UMKM yang mengalami ketiga permasalahan tersebut. Kegiatan Pengabdian kepada Masyarakat ini bertujuan untuk memberikan solusi melalui tiga pendekatan utama, yaitu: sosialisasi akses permodalan usaha bagi UMKM, pendampingan digital marketing dengan fokus pada pengelolaan media sosial Instagram, serta pelatihan dan praktik langsung pengelolaan sampah organik melalui metode biopori. Program pengabdian masyarakat ini menggunakan pendekatan terstruktur melalui beberapa tahapan: survey awal untuk mengidentifikasi masalah, serta pendampingan dengan pre-test dan post-test untuk mengukur peningkatan pengetahuan. Hasil kegiatan menunjukkan peningkatan pengetahuan dan keterampilan peserta dalam ketiga aspek tersebut. Pendekatan terintegratif ini diharapkan dapat memperkuat kapasitas usaha mitra serta mendorong pertumbuhan usaha yang lebih berkelanjutan dan bertanggung jawab secara sosial dan lingkungan. Kata kunci: akses modal usaha; digital marketing; pengelolaan limbah; UMKM kuliner. Abstract Micro, Small, and Medium Enterprises (MSMEs) in the culinary sector play an important role in supporting the national economy. However, many MSME players still face various challenges in developing their businesses, including limited access to capital, inadequate digital marketing, and low awareness of sustainable waste management. Warung Sate Kambing Pakdhe, located in Bantul, Yogyakarta, is one of the MSMEs experiencing these three problems. This Community Service activity aims to provide solutions through three main approaches: socialization of access to business capital for MSMEs, digital marketing assistance with a focus on Instagram social media management, and training and hands-on practice of organic waste management through the biopore method. This community service programme employs a structured approach through several stages: an initial survey to identify problems, as well as assistance with pre-tests and post-tests to measure knowledge improvement. The results showed an increase in participants’ knowledge and skills in all three aspects. This integrated approach is expected to enhance the business capacity of partners and foster more sustainable, socially responsible, and environmentally responsible business growth. Keywords: access to business capital; digital marketing; waste management; culinary MSMEs.