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THE IMPACT OF GREEN FINANCE ON BANKING PERFORMANCE IN INDONESIA Yafie, Rafly Izaz Mada; Zuhroh, Idah; Anindyntha, Firdha Aksari
Jurnal Aplikasi Akuntansi Vol 9 No 1 (2024): Jurnal Aplikasi Akuntansi, Oktober 2024
Publisher : Program Studi Diploma III Akuntansi Fakultas Ekonomi dan Bisnis Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jaa.v9i1.464

Abstract

Green Finance refers to financial practices that can be described through financial services and products that take environmental sustainability to support sustainable development. The role of green finance is to connect financial goals with the environment to encourage inclusive economic growth. One form of green finance implementation is in financial institutions, especially banking. This study aims to analyze the impact of green finance implementation in the banking sector on banking performance as proxied by the profitability ratio in the 2018-2022 period. The Generalized Method of Moments (GMM) dynamic panel is used. The Green Daily Operation (GDO) and Green Finance Policy (GFP) variables indicate the implementation of green finance in banking. Other independent variables use banking performance ratios consisting of the capital adequacy ratio, non-performing loans, and the bank's operational efficiency ratio. The study results show that green finance represented by implementing GFP can increase profitability, while GDO does not significantly affect banks' profitability in Indonesia. Furthermore, the internal banking ratio that is not significant to profitability is the capital adequacy ratio, while increasing non-performing loans and operational efficiency ratio significantly negatively impacts bank performance because it reduces profitability. This research supports applying the green concept in the banking sector to improve sustainable bank performance.
Pendampingan Penyusunan Indeks Kelayakan Investasi Desa di Kota Batu Idah Zuhroh; Muhammad Sri Wahyudi Suliswanto; Hendra Kusuma; Fitri Rusdianasari
JOURNAL OF ECONOMIC AND SOCIAL EMPOWERMENT Vol. 5 No. 1 (2025): JOURNAL OF ECONOMIC AND SOCIAL EMPOWERMENT
Publisher : Program Studi Ekonomi Pembangunan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/joesment.v5i1.39003

Abstract

The community service conducted a study on data management in Bulukerto, Tlekung, and Gunungsari Villages in Batu City. Local potential, especially in the agricultural sector, has not been optimally utilized due to fragmented and unintegrated data systems. The main problems include the lack of data by name by address, limited access to digital services, and weak documentation of superior potential such as apples, oranges, and cut flowers. The method used involves the development of a digital-based data integration system, with stages of identifying data needs, collecting and processing data, and training village officials. This program also includes statistical training and coaching to improve the capacity of village officials in analyzing and presenting data. The results show significant improvements in village data management. The integration system allows the preparation of a Village Investment Feasibility Index that includes dimensions of business finance, economy, investment climate, and infrastructure. This index is based on indicators such as financial literacy, access to digital services, and local consumption potential. The benefits achieved include strengthening the capacity of village officials, providing comprehensive individual-based data, and more strategic village development planning. This feasibility index is expected to be an effective guide for villages in attracting investment based on local potential and improving community welfare.
An Approach of Vector Autoregression Model for Inflation Analysis in Indonesia Idah Zuhroh; Hendra Kusuma; Syela Kurniawati
Journal of Economics, Business, and Accountancy Ventura Vol. 20 No. 3 (2017): December 2017 - March 2018
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v20i3.1019

Abstract

A control of the inflation rate caused by the fluctuations in foreign exchange reserves, money supply, and exchange rate is required to create the stability of the country's economy. This study aims to analyze the dynamic impact of disturbance factors contained in the variables of foreign exchange reserves, the money supply, and the exchange rate. This research used monthly data from June 2009 to November 2016. It used a method used of Vector Autoregression. The result shows that a foreign exchange reserve has a negative relationship nut not significant effect on inflation, money supply has positive relationship and significant effect on inflation, and exchange rate of rupiah to US dollar has negative relationship and significant effect on inflation. The responce of inflation from shocking occurs to supply, foreign exchange reserves and exchange rate tend to be convergent and the biggest contribution that influences inflation the most is exchange rate beside inflation itself.
PENGARUH SIZE DAN DIGITAL BANKING TERHADAP ROE DENGAN BOPO SEBAGAI VARIABEL MEDIASI Izza Afkarina; Idah Zuhroh; Eris Tri Kurniawati
Journal of Financial Economics & Investment Vol. 6 No. 1 (2026): Journal of Financial Economics & Investment
Publisher : Program Studi Ekonomi Pembangunan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jofei.v6i1.43728

Abstract

This study analyzes the effect of SIZE and digital banking on ROE with BOPO as a mediating variable, with digital banking proxied by the adoption of digital services (electronic money). The research sample consists of 7 Category 4 banks registered with the OJK with complete quarterly financial reports for the 2021–2024 period, yielding 112 observations. The analysis method used Structural Equation Modeling (SEM). The research results show that the mediation test indicates that operational efficiency does not mediate the relationship between bank size and profitability, while digital banking mediates the relationship between bank size and operational efficiency, but does not mediate the relationship between bank size and profitability. These findings indicate that the contribution of digital banking is more dominant in increasing operational efficiency than its direct impact on profitability, thus requiring a sustainable digitalization strategy to support long-term financial performance.
Global Crisis and Economic Fundamentals: Its Impact on Foreign Direct Investment in ASEAN Countries Idah Zuhroh; Harpiyansa Harpiyansa
EKUILIBRIUM : JURNAL ILMIAH BIDANG ILMU EKONOMI Vol 17 No 1 (2022): March
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/ekuilibrium.v17i1.2022.pp91-101

Abstract

Foreign direct investment has an important role in the running of a country's economy. This study aims to analyze the role of macroeconomic fundamentals consisting of Gross Domestic Product (GDP), interest rates, exchange rates, and exports in influencing Foreign Direct Investment (FDI) in the ASEAN 6 region (Indonesia, Malaysia, Singapore, Thailand, the Philippines, and Vietnamese). The data used are from 1990-2019 sourced from the World Bank and UNCTAD. The method used is panel data regression and time series with the best model selection, namely the Random Effect Model. The results of panel data analysis show that GDP, interest rates, exchange rates, and exports are the determinants of FDI in ASEAN 6 with a significant probability value. The positive direction coefficient is indicated by the GDP and exchange rate variables, while interest rates and exports indicate a negative direction coefficient. The results of the time-series data confirm that each country has similar results in the panel data analysis, but interest rates in Malaysia have the largest negative effect on FDI in Malaysia. Meanwhile, the exchange rate and exports contributed positively with the largest coefficient for Indonesia. The 1998 and 2008 economic crises were also found to have a negative impact on FDI but not significantly in some countries.Â