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All Journal Sosio e-kons JABE (Journal of Applied Business and Economic) Sebelas Maret Business Review INJURITY: Journal of Interdisciplinary Studies Jurnal Multidisiplin Borobudur Agrisia: Jurnal Ilmu-Ilmu Pertanian Jurnal Manajemen FE-UB Sharia Oikonomia Law Journal
Wahyu Murti
Universitas Borobudur
Agriculture, Biological Sciences & Forestry Biochemistry, Genetics & Molecular Biology Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Banks’ Strategies to Face Fintechs’ Attacks Dedy Ihsan; Wahyu Murti; Sri Sungkowati
Sharia Oikonomia Law Journal Vol. 2 No. 4 (2024)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/solj.v2i4.1644

Abstract

Globalization has changed the playing field within industries, which were traditionally limited by size, country of origin, industry type, and past success. Now, those boundaries have become blurred and no longer clearly defined. Internet connectivity and technology have changed the face of businesses. These changes will always continue on an ongoing basis. For example, fintech (startups) that used to serve only one business segment have started to enter the banking industry, through online lending or peer to peer lending (P2P lending), products of savings, payment systems, and pay later. The latter is like a credit card in banking. Startups have become a very strong-new competitor for banks. Instead, their loan impressively grows with low non-performing loans (NPLs). Therefore, banks must be aware of this competitive situation. Banks should no longer use the old ways to compete, but should find and do new ways. For this reason, this paper is prepared to provide answers on how banks should respond, so that the competitive pressure from fintech can be carefully anticipated.
Analisis Faktor Determinan yang Mempengaruhi Pertumbuhan Ekonomi dan Implikasinya terhadap Penyerapan Tenaga Kerja Abdul Munir; Wahyu Murti; Sutrisno Sutrisno
Sosio e-Kons Vol 17, No 1 (2025): Sosio e-Kons
Publisher : Universitas Indraprasta PGRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30998/sosioekons.v17i1.27529

Abstract

The objective of this study is to ascertain the impact of inflation on economic growth in Jabodetabek, the extent to which technology influences economic growth in Jabodetabek, and the correlation between economic growth and labour absorption in Jabodetabek. The present study was conducted in Jakarta, Bogor, Depok, Tangerang, and Bekasi. The time period under consideration was from 2011 to 2020. The data was obtained using internet access from the Central Statistics Agency (https://www.bps.go.id). The population of this study is panel data on economic variables, namely economic growth, labour absorption, inflation, and technology. The sample consists of a segment of the population, specifically the island of Java, encompassing Jakarta, Bogor, Depok, Tangerang, and Bekasi, with economic variable data extending over the past decade from 2011 to 2020. The research model formulation employs multiple linear regression analysis and simple linear regression, specifically multiple linear regression. Inflation exerts a detrimental and substantial influence on economic growth. The island of Java is subject to inflation, the factors of which can be categorised as follows: firstly, the volatile food component, which is dominated by price shocks in the food group due to crop failures and inclement weather; secondly, developments in domestic and international food commodities; and thirdly, the conversion of agricultural land. The latter is also influenced by administered prices, which are prices regulated by the government, such as increases in fuel prices (BBM). The impact of technology on economic growth is both positive and significant. The role of technological innovation in driving economic growth is crucial and can have a significant impact. Technological innovation, particularly in terms of promotion, plays a pivotal role in the creation of new opportunities, the enhancement of efficiency, and the fostering of sustainable economic development.
Co-Authors Abdul Munir Agus Sudradjat Arni Kurniati Bambang Bernanthos Chrisindi Cicih Ratnasih Darwati Susilastuti Dedy Ihsan Dwi Rahayu Elli Sulistyaningsih Francisca Sestri Goestjahjanti Haryono, Sugeng Hendry Ali Henri Pardamean Herry Wira Wibawa Novia Sumarni Ratnasari Ratnasari Reza Priatna Sri Sungkowati Sutrisno Sutrisno Tias Pramono Triadi Wahyu Winardi Yolanda Yolanda