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All Journal JEJAK Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan NUSANTARA : Jurnal Ilmu Pengetahuan Sosial Jurnal Samudra Ekonomi dan Bisnis JCRS (Journal of Community Research and Service) SULTANIST: Jurnal Manajemen dan Keuangan Jurnal Vokasi INTEGRITAS : Jurnal Pengabdian Jurnal EK dan BI Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Journal of Economics Research and Policy Studies Aurelia: Jurnal Penelitian dan Pengabdian Masyarakat Indonesia International Journal of Multidisciplinary Sciences and Arts IIJSE Journal of Accounting Law Communication and Technology IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita
Fitrawaty Fitrawaty, Fitrawaty
Faculty of Economic State University of Medan
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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The Role of Financial Inclusion and Economic Growth on Poverty in Developing Countries in Asia Annisa Putri, Dian; Fitrawaty, Fitrawaty; Ruslan, Dede
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 2 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i2.4865

Abstract

This research aims to determine the influence of financial inclusion and economic growth on sustainable development in developing countries in Asia. This research method uses quantitative research. This research was conducted on the International Monetary Fund and World Bank websites. The type of data used in this research is secondary data. Where the data collected comes from necessary websites such as the International Monetary Fund. Data collected from this website is used for the financial inclusion and poverty variables obtained from the International Monetary Fund website. Meanwhile, the scope of this research is developing countries in Asia such as Armenia, Indonesia, India, Iran, and Thailand with a research data series for 8 years, namely from January 2015 to December 2022. The variable data collection method comes from websites related to variables. study. Meanwhile, the type of data used in this research is a time series, where the data is a time series. Data analysis technique multiple regression analysis. Pooled Least Square (Common Effect), Random Effect Model Approach, Determination of Panel Data Regression Model Tests, Chow Test, Hausman Test, Lagrange Multiplier Test, Statistical Test Analysis, Parameter significance testing, F statistical test, individual significance test (t-test), analysis of assumption tests consisting of autocorrelation test, multicollinearity test, heteroscedasticity test. The research results show that panel data estimation results used the Fixed Effect Model (FEM) to see the role of financial inclusion and economic growth on poverty in developing countries in Asia, proven by the two independent variables with financial inclusion as indicators of commercial bank branches, outstanding loans, outstanding deposits and proven economic growth. does not affect poverty in developing countries in Asia. Whether the indicators are commercial bank branches, outstanding loans, outstanding deposits, and economic growth, these four variables do not have a probability of < 0.05.
The Effects of Loan-to-Value (LTV), Minimum Reserve Requirement (MRR), and Capital Adequacy Ratio (Car) on the Performance of State-Owned Banks Ananta, Dimas; Rahmadana, Muhammad Fitri; Fitrawaty, Fitrawaty
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 1 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i1.9135

Abstract

This study examines the impact of macroprudential policies on The Performance of State-Owned Banks in Indonesia, focusing on Loan to Value (LTV), Minimum Reserve Requirement (MRR), and Capital Adequacy Ratio (CAR). The research is motivated by the need to understand how macroprudential instruments influence the financial performance of major banks amid evolving credit, liquidity, and capital conditions. The problems addressed are whether LTV, MRR, and CAR individually and collectively affect Return on Equity (ROE), and which of these variables serve as the most influential determinants of profitability. The study aims to analyze the partial and simultaneous effects of these indicators on ROE using empirical data from four large Indonesian banks over the 2013–2023 period. The research employs a panel data regression approach using the fixed-effect model to estimate the relationships among variables. The empirical results show that LTV has a negative and significant effect on ROE, indicating that looser LTV policies tend to reduce profitability through increased credit risk. MRR has a positive but insignificant effect, suggesting that reserve requirements primarily function as liquidity buffers rather than direct profitability drivers. CAR exhibits a positive and significant effect, highlighting the importance of strong capitalization in supporting bank performance. Simultaneously, LTV, MRR, and CAR significantly influence ROE, with an R-squared value of 0.2723, meaning that 27.23% of variation in profitability is explained by these macroprudential indicators. Overall, the findings underscore the essential role of integrated macroprudential policy in maintaining bank performance and financial stability.
Co-Authors A.A. Ketut Agung Cahyawan W Ainul Mardhiyah, Ainul Ananta, Dimas Annisa Putri, Dian Apriyansyah Siregar, Fahmi Armaini Rambe Claudia, Emilia Ruth Dede Ruslan Dedy Husrizal Syah, Dedy Husrizal Deo Demonta Panggabean Diani, Salma Eko Wahyu Nugrahadi Gamal Kartono Hasibuan, Ali Sandy Husrizalsyah, Dedi Indra Maipita Irfandi Irfandi, Irfandi Lubis, Eliza Handayani Maulana, Juanda Maya Oktora Muhammad Abdi, Muhammad Mukti Hamjah Harahap, Mukti Hamjah Nasra Sinulingga, Sam Deva Rahmadana, Muhammad Fitri Rahmi, Siti Naila Siahaan, Tegar Efraim G Sihombing, Runggu Simanjuntak, Yosua Simanungkalit, Jelita Sinaga , Rosenta Febri Mutiara Sirnulingga, Karya Widya Utari winsyahputra Ritonga