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All Journal Economic Journal of Emerging Markets Jurnal Ekonomi & Keuangan Islam Amwaluna Jurnal Ekonomi dan Keuangan Syariah Islamiconomic: Jurnal Ekonomi Islam Jurnal Kebijakan Ekonomi dan Keuangan Optimum: Jurnal Ekonomi dan Pembangunan
Andika Ridha Ayu Perdana, Andika Ridha Ayu
Faculty of Economics, Universitas Islam Indonesia
Religion Economics, Econometrics & Finance Social Sciences

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Determinants of Consumer Decisions to Adopt Islamic Banking Services in Indonesia Sudarsono, Heri; Afandi, Akhsyim; Perdana, Andika Ridha Ayu
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 7, No 1 (2023)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v7i1.8214

Abstract

This study examines the influence of attitudes, subjective norms, perceived behavior control, and religiosity on consumer intention to adopt Islamic bank services. This study used 550 respondents from 26 provinces in Indonesia. The study develops a structural equation model (SEM) to achieve its purpose. The results show that attitudes, subjective norms, and perceptions of behavioral control affect people's interest in adopting Islamic banking services. Likewise, awareness, uncertainty, suitability, and relative advantage, affect the intention of the consumer to adopt Islamic banks' services. In contrast, religiosity does not affect community interest in adopting Islamic bank services. Further, normative beliefs affect subjective norms and self-efficacy, whereas facility conditions affect perceived behavior control of consumers' intention to adopt Islamic banking services. Attitudes, subjective norms, and perceived behavior control influence consumers' intention to adopt Islamic banking services. Accordingly, Islamic banks need to improve services to the public. Also, Islamic banks need to increase their understanding of religious religiosity to foster interest in adopting Islamic bank services
Assessing Financial Performance's Influence on Financing Risk in Indonesia's Islamic Commercial Banks Efendamara, Peppy Ayu; Sudarsono, Heri; Perdana, Andika Ridha Ayu
ISLAMICONOMIC: Jurnal Ekonomi Islam Vol 15, No 2 (2024)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v15i2.661

Abstract

This research aims to determine the long- and short-term relationships between the Return on Asset (ROA), Financing to Deposit Ratio (FDR), Operational Costs to Operational Income (BOPO), Industrial Production Index (IPI), and inflation on financing risk or Non Performing Financing (NPF) at Sharia Commercial Banks in Indonesia. This study uses secondary data obtained from publications by the Financial Services Authority and the Central Statistics Agency for the period January 2015 to June 2023. The the Auto-Regressive Distributed Lag (ARDL) method was used with the help of Eviews 12.0. The results show that in the long term, the ROA variable has a negative and significant effect on NPF. The FDR and BOPO variables have a positive and significant effect on NPF. However, Inflation and IPI variables have no long-term effect on NPF. In the short term, ROA and BOPO influence NPF. Meanwhile, the FDR, Inflation and IPI variables had no influence on NPF in the short term.
Determinants of labour absorption in ASEAN Rudatin, Ari; Haq, Afrigh Ghoniyyu Firmis; Perdana, Andika Ridha Ayu
Jurnal Kebijakan Ekonomi dan Keuangan Volume 3 Issue 2, Desember 2024
Publisher : Jurusan Ilmu Ekonomi, Fakultas Bisnis dan Ekonomika, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JKEK.vol3.iss2.art7

Abstract

Purpose – This study aims to analyze the determinants of labor absorption in ASEAN countries.Methods – This study uses panel data analysis in 10 ASEAN countries for the period 2000-2022.Findings – This study concludes that GDP has a positive effect on labor absorption, inflation does not affect labor absorption, wages have a positive effect on labor absorption, and Foreign Direct Investment (FDI) shows a positive effect on labor absorption in ASEAN countries.Implication – This study implies that there must be a systematic policy that is oriented towards creating an integrative system in increasing labor absorption in ASEAN countries with an orientation towards policies oriented towards economic growth supported by regulations in determining wages and regulations that are integrated with foreign investment.Originality – This study contributes to the analysis of labor absorption in ASEAN using a panel data approach. AbstrakTujuan – Penelitian ini bertujuan untuk menganalisis determinant penyerapan tenaga kerja pada negara-negara di ASEAN. Metode – Penelitian ini menggunakan analisis data panel pada 10 negara ASEAN untuk periode 2000 -2022.Temuan – Penelitian ini menyimpulkan bahwa GDP memiliki efek positif terhadap penyerapan tenaga kerja, Inflasi tidak berpengaruh terhadap penyerapan tenaga kerja, upah memiliki pengaruh positif terhadap penyerapan tenaga kerja, dan Foreign Direct Investment (FDI) menunjukkan pengaruh positif terhadap penyerapan tenaga kerja pada negara di ASEAN. Implikasi – Implikasi dari penelitian ini adalah harus adanya kebijakan yang sistematis dan berorientasi kepada terciptanya sistem yang integrative dalam meningkatkan penyerapan tenaga kerja pada negara ASEAN dengan orientasi pada kebijakan terorientasi pada pertumbuhan ekonomi yang didukung dengan regulasi dalam menentukan upah dan regulasi yang terintegrasi dengan investasi asing. Orisinalitas – Penelitian ini berkontribusi terhadap analisis penyerapan tenaga kerja di ASEAN menggunakan pendekatan data panel.
Examining the contribution of Islamic bank to Indonesia economic growth Taqiyya, Faz Fachry; Sudarsono, Heri; Perdana, Andika Ridha Ayu
Optimum: Jurnal Ekonomi dan Pembangunan Vol. 15 No. 2 (2025)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/optimum.v15i2.12395

Abstract

This study thoroughly examines the impact of Islamic finance on economic growth in Indonesia, considering key variables such as total financing, total deposits, inflation, and trade openness. This study uses quarterly data covering the period from the first quarter of 2005 to the fourth quarter of 2021, providing a comprehensive overview of the dynamics between Islamic finance and economic growth for more than a decade. Through panel data regression analysis using the ARDL model, this study effectively explains the interaction between the dependent and independent variables and identifies the long-term impact of Islamic finance variables on Indonesia's economy. The findings indicate that Islamic finance positively contributes to long-term economic growth in Indonesia, with increases in total financing and deposits playing crucial roles in accelerating economic growth. These results underscore the importance of further developing the Islamic finance sector as a key driver of economic growth with significant implications for policies that support financial inclusion and macroeconomic stability. This study offers new insights for policymakers and financial practitioners to maximize the potential of Islamic finance to promote sustainable economic growth in Indonesia.
Implementing maqasid sharia: Impact on stability of Indonesian Islamic banks Analia, Adinda Lia; Hakim, Abdul; Anto, Mohammad Bekti Hendrie; Perdana, Andika Ridha Ayu
Jurnal Ekonomi & Keuangan Islam Volume 10 No. 2, July 2024
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol10.iss2.art2

Abstract

Purpose – This study analyzes the relationship between maqasid sharia and the stability of Islamic banks in Indonesia.Methodology – This study uses annual balanced panel data of eight Islamic banks in Indonesia from to 2010-2020 and utilizes a random effects model (REM) approach with the generalized least squares (GLS) method. The dependent variable is the Z-score as a proxy for bank stability, and the independent variables are bank size, the maqasid index (MI), capital adequacy ratio (CAR), gross domestic product (GDP), inflation, and interest rate.Findings – This research reveals that the stability of Islamic banking in Indonesia decreased over the study period, whereas maqasid performance increased. Furthermore, this study shows that the maqasid index and GDP negatively influence the Z-score, while bank size and CAR have a positive influence. We found no influence of inflation or the interest rate on the Z-score. The negative impact of the Maqasid index denotes poor management and financing quality, which is linked to the slanted achievement of the three Maqasid objectives (education, justice, and maslahah) during the study period.Implications – Policymakers, industry, and academics can use the research findings as recommendations to strengthen the stability of Islamic banks and their role in promoting welfare.Originality – This study employs the maqasid index as a proxy for Islamic bank performance to analyze its influence on bank stability.
The economic consequences of single motherhood on children’s cognitive outcomes in Indonesia Nugroho, Wisnu Setiadi; Afifah, Evi Noor; Perdana, Andika Ridha Ayu; Syarifah, Zahra Amaila
Economic Journal of Emerging Markets Volume 18 Issue 1, 2026
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/ejem.vol18.iss1.art10

Abstract

Purpose — Single motherhood is widely associated with poorer child outcomes, yet it remains unclear whether these disadvantages stem from family structure itself or from the economic shocks that accompany it. This distinction is particularly important in developing-country contexts, where weak social protection and labor market informality may amplify both channels. We examine how different pathways into single motherhood affect children’s cognitive development.Methods — We use longitudinal data from the Indonesia Family Life Survey (IFLS) and employ Structural Equation Modeling (SEM) to estimate both direct and indirect effects of maternal marital status on children’s cognitive outcomes, while controlling for demographic and household characteristics.Findings — The results show that children in single-mother households, particularly those experiencing divorce, have lower cognitive scores. Poverty plays a key mediating role, as higher poverty levels are associated with worse cognitive outcomes. Households headed by divorced individuals exhibit higher poverty, while the effect of widowhood is smaller and not statistically significant. In addition, larger household size and greater distance from economic centers increase poverty, whereas higher education of the household head and per capita expenditure reduce it.Implication — The findings suggest that policies targeting single-mother households should address both economic vulnerability and structural constraints, including limited access to services and unequal labor market opportunities.Originality — This paper contributes to the limited longitudinal literature in developing countries by comparing divorce and widowhood and their roles in perpetuating intergenerational disadvantages through economic and non-economic channels.
Co-Authors Abdul Hakim Afifah, Evi Noor Akhsyim Afandi, Akhsyim Analia, Adinda Lia Ari Rudatin, Ari Efendamara, Peppy Ayu Haq, Afrigh Ghoniyyu Firmis Heri Sudarsono MB Hendrie Anto Syarifah, Zahra Amaila Taqiyya, Faz Fachry Wisnu Setiadi Nugroho