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Journal : Journal of Mathematics and Applied Statistics

Spatial Effect Analysis of Total Financing and Factors Affecting Them at Banking in Indonesia Idris, Aditya; Didiharyono, Didiharyono
Journal of Mathematics and Applied Statistics Vol. 1 No. 1 (2023): June 2023
Publisher : Yayasan Insan Literasi Cendekia (INLIC) Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35914/mathstat.v1i1.39

Abstract

This study aims to formulate a pattern of spatial linkages between provinces in Indonesia based on the amount of bank financing through the influencing factors, namely third-party funds (DPK), Non-Performing Financing (NPF), MSME financing loans and GRDP. The data used is 2021 data. By using the Spatial Regression method with Moran' s I Test, it will look for relationships and inter-regional (spatial) relationships in the amount of bank financing based on the observed factors. From the results of data analysis, the Moran's I value obtained is 0.4439. Then based on the test results |2,2444|>1.96, the decision making according to the existing hypothesis is H0 rejected. It can be concluded that there are spatial dependencies between provinces based on the amount of bank financing in each province according to the observed factors, namely DPK, NPF, MSME financing credit and GRDP. The expected output in implementing this developed strategy is to increase the amount of banking financing that is evenly distributed in each province in order to achieve the objectives from the economic aspect while taking into account the benefits for banking institutions. The improvement in the economic aspects in question includes increasing the usability of money, increasing the usability of goods, maintaining the country's economic stability and as a bridge to increase national income.
Opportunities and Strategies for Accelerating Digital Transformation: Spatial Distribution Analysis and Clustering Using K-Medoids Method In South Sulawesi, Indonesia Idris, Aditya; Susilawati, Sumarni
Journal of Mathematics and Applied Statistics Vol. 2 No. 1 (2024): June 2024
Publisher : Yayasan Insan Literasi Cendekia (INLIC) Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35914/mathstat.v2i1.188

Abstract

The increase in internet usage among the population in South Sulawesi prsesents a golden opportunity for accelerating digital transformation efforts. This can be leveraged to boost economic growth, particularly by maximizing the key sectors in South Sulawesi. The aim of this study is to analyze the spatial distrubution and perform clustering of the regencies/cities in South Sulawesi based on digital transformation indivators, as well as to determine the multiplier effect on other regions in Sulampua. The research method employed is quantitative, utilizing descriptive analysis and clustering analysis of regencies/cities in South Sulawesi with the K-Medoids method. The results show that spatially, the distribution of internet users, e-commerce users and SMEs using the internet have quite varied patterns and reveal a high disparity in service users among regencies/cities in South Sulawesi. Meanwhile, the clustering results indicate that the regencies/cities in South Sulawesi are balanced between cluster 1 and cluster 2, each consisting of 12 regencies/cities. It was found that cluster 2, which includes regencies and cities in South Sulawesi, has better variable values in almost all variables comparated to the regencies/cities in cluster 1. Generally, cluster 2 dominates all the variables used, while cluster 1 is only superior in the variable of the number of SMEs. The suggestions and policy recommendations for the government based on this study on the acceleration of digital transformation with spatial distribution and clustering analysis can help create on environment that supports sustainable digital economic growth. With coordinated and collaborative policy strategies, South Sulawesi can achieve significant acceration in digital transformation.