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All Journal Jurnal Ilmiah Akuntansi Kesatuan Enrichment: Journal of Multidisciplinary Research and Development
Nur Fatwa
Universitas Indonesia, Indonesia
Humanities Economics, Econometrics & Finance Engineering Health Professions Social Sciences

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Factors Determining HIMBARA Bank Resilience: The Effect of Regulation, Adaptiveness, Assets, and Speed Abiwodo; Athor Subroto; Umanto; Nur Fatwa
Jurnal Ilmiah Akuntansi Kesatuan Vol. 13 No. 6 (2025): JIAKES Edisi Desember 2025
Publisher : Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jiakes.v13i6.4648

Abstract

Banks play a central role in supporting economic growth by collecting and channeling public funds while maintaining customer trust. In Indonesia, state-owned banks face continuing pressure from economic uncertainty and rapid digital change, making their resilience a critical issue for national financial stability. This study aims to identify the key factors that determine the resilience of the four major state-owned banks and to examine how company performance and risk mediate these relationships. The research used questionnaires completed by 100 senior bank officials holding positions from Assistant Vice President level and above. Data were analysed using Structural Equation Modelling with Partial Least Squares. The results show that only six of the fourteen proposed hypotheses are supported. Regulation significantly improves company performance, while larger assets and faster response speed increase risk. Response speed directly strengthens bank resilience, and both company performance and risk significantly influence resilience. Adaptability, surprisingly, has no significant effect on any of the measured outcomes. The findings highlight that strong regulation, careful asset growth, and quick response capability are the most important drivers of resilience in Indonesian state-owned banks. Managers and regulators should focus on these three areas to ensure the banks remain stable and able to support long-term economic recovery.
The Development of the Halal Industry in Indonesia: An Analysis of Innovation and Export Potential Gebie Yoga Efrizal Rizkitama; Nur Fatwa; Mohammad Izdiyan Muttaqin
Enrichment: Journal of Multidisciplinary Research and Development Vol. 3 No. 8 (2025): Enrichment: Journal of Multidisciplinary Research and Development
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/enrichment.v3i8.526

Abstract

This systematic literature review examines the development of Indonesia's halal industry, focusing on the role of innovation and its contribution to export potential. Through a comprehensive analysis of 17 recent studies (2019-2024), the research investigates key innovations driving industry development and their impact on enhancing Indonesia's position in the global halal market. The review identifies several significant innovations, including digital traceability systems, the Penta Helix collaboration model, specialized halal industrial zones, and simplified certification processes. These innovations have demonstrated substantial contributions to export growth through improved product quality, enhanced market access, and strengthened competitive advantages. The findings reveal that successful export expansion requires a comprehensive approach to innovation encompassing technological advancements, process improvements, and strategic market development. The study highlights the importance of stakeholder collaboration, regulatory framework development, and sustainability integration in driving industry growth. While challenges remain, particularly in standardization and regulatory compliance, the research suggests that continued innovation across all aspects of the halal industry is crucial for maintaining and expanding Indonesia's export potential in the increasingly competitive global halal market. The review contributes to the understanding of how innovation drives halal industry development and provides practical implications for stakeholders seeking to enhance Indonesia's position in the global halal trade.
Co-Authors Abiwodo Gebie Yoga Efrizal Rizkitama Mohammad Izdiyan Muttaqin Subroto, Athor Umanto