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All Journal Jurnal Ekonomi Oikonomia : Journal of Management Economics and Accounting
Yunior Pasagi
Universitas Terbuka
Economics, Econometrics & Finance

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ANALYSIS OF NON-PERFORMING FINANCING IN MEDIATING THE INFLUENCE OF INCOME DIVERSIFICATION, INFLATION, GROSS DOMESTIC PRODUCT, AND SIZE OF THE BANK ON STABILITY Muammar Taufiqi Lutfi Mustofa; Abdul Aziz Nugraha Pratama; Pandu Nur Wicaksono; Yunior Pasagi; Puspa Rini
Jurnal Ekonomi Vol. 12 No. 04 (2023): Jurnal Ekonomi, 2023
Publisher : SEAN Institute

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Abstract

The purpose of this research is to see the effect of income diversification, inflation, gross domestic product, and bank size on stability with using Non-Performing financing as a mediating variable at the Bank General Sharia in Indonesia. The type of research is descriptive qualitative with the regression model is panel data. This research uses secondary data obtained from the financial reports of Sharia Commercial Banks for the 2012-2021 period. Data processing uses E-Views software with purposive techniques sampling. From the results of the tests carried out it shows that diversification income (DP) has a significant positive effect on stability and inflation positive and insignificant effect on stability, gross domestic product (GDP) has a positive and insignificant effect on stability and bank size significant negative effect on stability, Non-Performing financing (NPF) has a significant negative effect on stability. Non-Performing financing (NPF) is able to mediate the effect of inflation on stability. Non-Performing financing (NPF) is unable to mediate the influence of income Diversification, Gross Domestic Product, dan Size of The Bank terhadap Stability.
The Role of Financial Technology (Fintech) in Financial Inclusion and MSME Growth in Indonesia Adrian Eka Darma Serang; Ummy Kalsum; Yunior Pasagi; Eka Lestari Hafqi Putri
Oikonomia : Journal of Management Economics and Accounting Vol. 2 No. 3 (2025): Oikonomia - May
Publisher : PT. Hafasy Dwi Nawasena

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61942/oikonomia.v2i3.339

Abstract

Micro, Small, and Medium Enterprises (MSMEs) are the backbone of the Indonesian economy with significant contributions to GDP and employment. However, their access to formal financial services is still limited due to strict requirements from conventional financial institutions and high levels of business informality. Financial technology (fintech) is present as a more inclusive financing alternative through services such as peer-to-peer (P2P) lending and digital payments. Fintech offers fast processes, no collateral, and product flexibility, but its effectiveness is highly dependent on the financial and digital literacy of MSME actors. This study uses a qualitative approach with a case study method in two different regions to explore access, impact, and challenges of fintech use by MSMEs. Initial results show that although fintech expands access to financing and encourages digitalization, there is still a risk of over-indebtedness, inequality in digital infrastructure, and low understanding of contracts and financial obligations. Therefore, synergy is needed between the government, regulators, and service providers to strengthen financial literacy and create a fair and sustainable digital ecosystem. This research is expected to contribute to the development of policies that support the comprehensive digital financial transformation of MSMEs, as well as ensuring that fintech becomes an instrument of empowerment, not a source of new vulnerabilities
Co-Authors Abdul Aziz Nugraha Pratama Adrian Eka Darma Serang Eka Lestari Hafqi Putri Kalsum, Ummy Muammar Taufiqi Lutfi Mustofa Pandu Nur Wicaksono Puspa Rini