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Muhammad Yusri Zamhuri
Universitas Hasanuddin
Economics, Econometrics & Finance

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ANALYSIS OF FACTORS AFFECTING FOREIGN EXCHANGE RESERVES IN INDONESIA, 2005-2020 Bayu Pamungkas Djamal; Muhammad Yusri Zamhuri; Abd. Rahman Razak
Jurnal Ekonomi Vol. 12 No. 01 (2023): Jurnal Ekonomi, 2023 Periode Januari - Maret
Publisher : SEAN Institute

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Abstract

The aim of this research is to analyze the effect of foreign loans, imports, exports and foreign investment for the foreign exchange reserves' growth in Indonesia during 2005-2020. This research used secondary data which tends to be time-series published by Bank Indonesia, The Ministry of Trade Republic of Indonesia, Central Agency on Statistics Indonesia in the year of 2005-2020. The result of the regression by using ordinary least squares (OLS) method showed that the foreign loans and exports take effect positively to the foreign exchange reserves. It indicates that the increase in foreign loans and exports could affect the foreign exchange reserves in Indonesia during 2005-2020. Otherwise, the interest rate could not affect the foreign exchange reserves in Indonesia during 2005-2020.
THE EFFECT OF FINANCIAL TECHNOLOGY (FINTECH) ON BANKING FINANCIAL PROFITS IN INDONESIA (CASE STUDY ON BUMN BANK KBMI 4) Anggy Khusnul Khatima; Anas Iswanto Anwar; Muhammad Yusri Zamhuri
Jurnal Ekonomi Vol. 12 No. 01 (2023): Jurnal Ekonomi, 2023 Periode Januari - Maret
Publisher : SEAN Institute

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This study aims to determine and analyze the effect of funding, lending and interest rates at banks on bank profitability through three indicators, namely ROA, NIM, and LDR at BUMN Banks KBMI 4, namely Bank BRI, Mandiri, and BNI after fintech. This study uses secondary data obtained from the Central Bureau of Statistics (BPS), the official website of each type of bank, and OJK. The data used is panel data consisting of 3 types of banks namely BRI, Mandiri and BNI in Indonesia in 2014-2021. The data analysis method used is Panel Data Regression using the fixed effect model. Based on the results of this study indicate that Funding has a significant negative effect on Bank Banking Profitability KBMI 4. Lending has a positive and significant effect on the Profitability of Banking KBMI 4 Banks in Indonesia. Meanwhile, interest rates have two different results which have a positive and significant effect on the profitability of Bank BUMN KBMI 4 through NIM and LDR, but have no significant effect through ROA.
Co-Authors Abd. Rahman Razak Anggy Khusnul Khatima Anwar, Anas Iswanto Bayu Pamungkas Djamal