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All Journal Jurnal Intermediasi Jurnal Ekonomi Pembangunan Jurnal Reviu Akuntansi dan Keuangan JEJAK Journal of Economics, Business, & Accountancy Ventura Journal of Indonesian Applied Economics Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan Journal of Accounting and Investment Falah : Jurnal Ekonomi Syariah Muhammadiyah International Journal of Economics and Business Ekuilibrium : Jurnal Ilmiah Bidang Ilmu Ekonomi Journal of Innovation in Business and Economics Jurnal Aplikasi Akuntansi International Journal of Economics Development Research (IJEDR) Jurnal Akademi Akuntansi (JAA) Studi Kasus Inovasi Ekonomi Jurnal Inovasi Ekonomi Jurnal Ilmu Ekonomi Journal of Financial Economics & Investment Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Journal of Indonesian Economy and Business Media Ekonomi Journal of Economic and Social Empowerment
Idah Zuhroh
Universitas Muhammadiyah Malang
Humanities Chemical Engineering, Chemistry & Bioengineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences Other

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Balancing Caution and Expansion: The Non-Performing Loans Threshold for the Credit-Growth Nexus Zuhroh, Idah; Rofik, Mochamad
Journal of Indonesian Economy and Business Vol 40 No 2 (2025): May
Publisher : Faculty of Economics and Business, Universitas Gadjah Mada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22146/jieb.v40i2.8017

Abstract

Introduction/Main Objectives: This research explores how non-performing loans (NPLs) affect economic growth while assuming that the economy can sustain a certain ratio of NPLs without disruption. Background Problems: Studies employing the threshold approach have not explicitly defined the upper limit of NPLs that supports economic growth. Novelty: This study adds to the existing literature by examining the non-linear relationship between NPLs and economic growth, grounded in two key assumptions: 1) the complete elimination of NPLs is unrealistic, and 2) a threshold level of NPLs exists. Research Methods: Based on this assumption, the study constructs a non-linear model with an inverted U-shape pattern, applying annual data from 33 provinces in Indonesia during 2010–2021 and employing dynamic panel data regression with the GMM estimator. Finding/Results: The results reveal that NPLs will have a negative impact on growth when the NPL ratio exceeds 5.8% in total credit and 2.4% for household credit. However, no inverted U-shaped pattern is observed for working capital and investment credit. In addition, bank credit in total, as well as working capital credit and household credit show a significant positive coefficient on growth, while investment credit has an insignificant negative coefficient. We also introduce the concept of NPLs-growth risk, categorizing it as risk-free, low-risk, moderate-risk, and high-risk based on the area under the curve. The findings indicate that the NPLs-growth risk in Indonesia is generally at a low level. Conclusion: Ensuring that NPLs remain within a safe threshold is essential for sustaining economic growth and avoiding financial instability.
An Approach of Vector Autoregression Model for Inflation Analysis in Indonesia Zuhroh, Idah; Kusuma, Hendra; Kurniawati, Syela
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.
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.
Analysis of Economic Factors Driving Foreign Exchange Reserves in ASEAN 5 Januar Putra Gautama, Abel; Zuhroh, Idah; Aksari Anindyntha, Firdha
Jurnal Ilmu Ekonomi JIE Vol. 9 No. 04 (2025): Jurnal Ilmu Ekonomi
Publisher : Program Studi Ekonomi Pembangunan Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jie.v9i04.40589

Abstract

Foreign exchange reserves themselves are important assets owned by a country that are used as a significant source of profit and ensure economic stability. This study aims to determine the influence of independent variables (FDI, remittances, and trade balance) on dependent variables (Foreign Exchange Reserves) in the long and short term. The object of research was in 5 ASEAN countries (Thailand, Indonesia, Malaysia, Vietnam, Cambodia) in 24 periods from 2000 to 2023. The analysis model used in this study is the Vector Autoregressive (VAR) Vector Error Correction Model (VECM) panel analysis. The results obtained from the survey include FDI having a significant positive effect and remittances having a significant negative impact, but the trade balance has no effect on foreign exchange reserves in the long term. In the short term, FDI and remittances have no effect, while the trade balance has a significant positive impact on foreign exchange reserves.
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.
Co-Authors . Misgayanti Aida Bela Silfia Alvio Veronika Anggraeni, Anita Meliana Asilah Eka Putri Asmaul Hayani Birrul Walidain Daryanti Ningsih Daryanti Ningsih, Daryanti David Kaluge Della Andrieanny Putri Desi Anggarwati Dessy Dianita Dewi Indriana Dhurotus Sangadah Didit Suprayitno Dwi Susilowati Erika Novendira Purnamasari Eris Tri Kurniawati Eris Tri Kurniawati Eris Tri Kurniawti Evita Hayatun Nufus Faizal Amir Faizal Amir, Faizal Feeriska Budi Wiranti Firdha Aksari Anindyntha Fitri Rusdianasari Frinda Pramesti Regitara Cahyani Hafiludin, Alan Hanifah, Zalfa Elvina Dewi Harpiyansa Harpiyansa Hendra Kusuma Hendra Kusuma Hendra Kusuma Herlina Panama Ida Nuraini Indriana, Dewi Januar Putra Gautama, Abel Jhoni Lumintang Khalidah, Nur Diana Kristianto, Andriyan Kurniawati, Syela La Subuh Latifa Insaf Maulida Maslikhah, Devi Vela Mayangsari, Bunga Adelia Maydhy Zulfi Afied Misgayanti, . Mohammad Faisal Abdullah Muhammad Ardiansyah Muhammad Sri Wahyudi Suliswanto Nabilah Khairunnisa Natalia Popy Kristian Nazaruddin Malik Novia Dwi Putri novia dwi putri Pradityo Fahril Arrahman Prasetyo, Levina Pristiva, Desy Regar Elisa Rifatin Amalia Rofik, Mochamad Rohmah, Nikmatur Selva Kurnia Oneestasya Sitorus, Mido Ester Sri Budi Cantika Sri Budi Cantika Yuli Subuh, La Syamsul Hadi Syamsul Ph.D M.A. Hadi Syela Kurniawati Ummi Khusnul Habibah Vebian Indriati Viana, Vira Okta Yafie, Rafly Izaz Mada Yulidia Rohmawati Yustian, Lila Denayu Zainuri, - Zulfa Nahdia Rahmi