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Effectiveness of Macroprudential Policy on Banking Credit Growth in Indonesia (2015-2023) Cendani, Marita Asri; Puspitasari, Inda Fresti
Journal of Economics Research and Social Sciences Vol. 9 No. 2: August 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jerss.v9i2.26548

Abstract

The COVID-19 pandemic shows that macroprudential policy is one of the crucial instruments in mitigating economic shocks and ensuring the financial system. This study examines the effectiveness of macroprudential policies on banking credit growth in Indonesia from 2015 to 2023 by analyzing the impact of the Debt-to-Income Ratio (DTI), Minimum Reserve Requirement (GWM), Capital Adequacy Ratio (CAR), and Non-Performing Loans (NPL). This study aims to give regulators insights into optimizing policy combinations to mitigate financial risks while supporting sustainable economic growth. The results of panel data regression revealed that DTI and CAR significantly impact banking credit growth. In contrast, GWM and NPL didn’t have a significant effect. These findings emphasize the critical role of macroprudential policies in maintaining a balance between credit growth and financial stability, especially in times of economic uncertainty. This study contributes to policymakers and financial regulators optimizing macroprudential frameworks to enhance financial resilience and support sustainable credit distribution in Indonesia’s banking sector.
Peningkatan Kapasitas dan Keterampilan Perencanaan Keuangan Berdasar Pedoman Hidup Islami Warga Muhamadiyah (PHIWM) bagi Pekerja Migran Indonesia (PMI) di Hong Kong Suranto, Suranto; Sari, Dhany Efita; Puspitasari, Inda Fresti; Sitohang, Ijah Mulyani; Siregar, Yani Sukriah; Maulana, Firman; Fadhilah, Risma
J-ABDIPAMAS (Jurnal Pengabdian Kepada Masyarakat) Vol. 8 No. 1 (2024): April 2024
Publisher : IKIP PGRI Bojonegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30734/j-abdipamas.v8i1.4325

Abstract

 ABSTRACTIndonesian Migrant Workers (PMI) in Hong Kong, especially those working in the domestic employment sector, have weak financial planning skills. Financial planning skills are key to helping PMIs manage their income, make wise investment decisions, and plan for a more stable future. This community service program aims to improve skills in financial planning for PMI in Hong Kong through mentoring activities. Through this activity, it is hoped that PMI can gain the knowledge and skills needed in financial planning. This program covers various mentoring topics, such as currency exchange risk management, savings and investment culture according to the Islamic Living Guidelines for Muhammadiyah Citizens (PHIWM), as well as retirement planning. This service activity method is carried out with mentoring and financial planning competitions. The service participants were 45 PMI people in Hong Kong. Training and mentoring is carried out offline and online. This activity was proven to increase PMI's knowledge and skills in the field of financial literacy from a pretest average score of 62.50 increasing to a posttest score of 87.00. This training also received a positive response from participants and was felt to provide benefits for improving their financial management in the future. ABSTRAKPekerja Migran Indonesia (PMI) di Hong Kong, khususnya yang bekerja dalam sektor pekerjaan domestik, memiliki keterampilan perencanaan keuangan yang lemah. Kemampuan dalam perencanaan keuangan adalah kunci untuk membantu PMI mengelola pendapatan mereka, membuat keputusan investasi yang bijak, dan merencanakan masa depan yang lebih stabil. Program pengabdian kepada masyarakat ini bertujuan untuk meningkatkan keterampilan dalam perencanaan keuangan bagi PMI di Hong Kong melalui kegiatan pendampingan. Melalui kegiatan ini, diharapkan PMI dapat memperoleh pengetahuan dan keterampilan yang dibutuhkan dalam perencanaan keuangan. Program ini mencakup berbagai topik pendampingan, seperti manajemen risiko kurs mata uang, budaya menabung dan investasi menurut Pedoman Hidup Islami Warga Muhammadiyah (PHIWM), serta perencanaan pensiun. Metode kegiatan pengabdian ini dilakukan dengan pendampingan dan kompetisi perencanaan keuangan. Peserta pengabdian adalah 45 orang PMI di Hongkong. Pelatihan dan pendampingan dilakukan secara luring dan daring. Kegiatan ini terbukti dapat meningkatkan pengatuhuan dan ketrampilan PMI dibidang literasi keuangaan dari nilai rerata pretest 62,50 meningkat menjadi nilai posttest 87,00. Pelatihan ini juga mendapatkan respon positif dari peserta dan dirasakan memberikan manfaat untuk perbaikan pengelolaan keuangan mereka kedepan. 
Creation and Preparation of Website Content as a Means of Disseminating Information and Digital Marketing Winny Perwithosuci; Nur Hidayah; Inda Fresti Puspitasari; Sitti Retno Faridatussalam; Didit Purnomo
Educate: Journal of Community Service in Education Vol 4 No 1 (2024): Educate: Journal of Community Service in Education
Publisher : Universitas Veteran Bangun Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32585/educate.v4i1.5324

Abstract

The rapid advancements in technology have a beneficial effect. The impact extends beyond the communications sector and also affects the economic sector. An example of a technological advancement is the construction of a website. Websites provide organizations with timely information and facilitate the transition to digital marketing, resulting in cost savings for businesses. Nevertheless, not every corporation or corporate entity has the ability or capacity to effectively utilize this technology. Nasyiatul Aisyiyah (NA) Klaten Regency is currently in need of a website to serve as an information platform and for digital marketing purposes. The objective of this community service initiative is to provide assistance in the creation and compilation of website content for Nasyiatul Aisyiyah (NA) in Klaten Regency. The approach for executing this service activity involves providing training and coaching. The service activities were executed seamlessly and resulted in the creation of a website that serves as an informational platform for Nasyiatul Aisyiyah (NA) Klaten Regency and as a digital marketing tool for the business products of members of the Asosiasi Pengusaha Nasyiatul Aisyiyah (APUNA) Klaten Regency.
Pengaruh Partisipasi Demokrasi dalam Politik dan Transisi Energi terhadap Impor Beras Indonesia Arya Bima Wikantyasa; Inda Fresti Puspitasari
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 2 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i2.11050

Abstract

This study examines the effects of democratic participation and energy transition on rice imports in Indonesia during 2010–2023 on a quarterly basis. Quarterly data were derived from annual data conversion and temporal disaggregation for volatile variables. A quantitative approach employing the Autoregressive Distributed Lag (ARDL) bound test was applied to estimate short- and long-term impacts. ARDL–ECM results indicate a strong short-term correction mechanism, with approximately 64% of deviations from long-term equilibrium adjusted within one quarter. Democratic participation exerts a significant negative effect on short-term rice imports, highlighting the role of political institutions in enhancing food self-sufficiency, while inflation shows a significant positive effect, reflecting the use of imports as a price stabilization tool. In the long term, most variables are not significant except for international rice prices, indicating the vulnerability of Indonesia’s imports to global market fluctuations. CUSUM and CUSUMSQ tests confirm model stability. These findings emphasize that political institutions influence short-term food policy, yet limited institutional capacity maintains long-term dependence on global prices.
Pendekatan ArDL dalam Menilai Pengaruh Variabel Ekonomi dan Kebijakan Anti Dumping terhadap Impor Ubin Keramik: Analisis Jangka Pendek dan Jangka Panjang Jodi Setyo Nugroho; Isnaeni Hasna Hanisah; Fitria Ratna Sari; Inda Fresti Puspitasari
YUME : Journal of Management Vol 8, No 3 (2025)
Publisher : Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/yum.v8i3.9859

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh variabel makroekonomi dan kebijakan antidumping terhadap volume impor ubin keramik dari Tiongkok ke Indonesia, baik dalam jangka pendek maupun jangka panjang, dengan menggunakan pendekatan Autoregressive Distributed Lag (ARDL). Data yang digunakan berupa deret waktu bulanan dari Mei 2019 hingga Desember 2024, mencakup variabel nilai tukar rupiah terhadap yuan, volatilitas nilai tukar, indeks produksi industri Tiongkok, serta dua variabel dummy yang merepresentasikan kebijakan antidumping dan pandemi COVID-19. Hasil estimasi menunjukkan bahwa nilai tukar berpengaruh negatif signifikan terhadap impor dalam jangka pendek, sedangkan volatilitas nilai tukar berpengaruh negatif signifikan dalam jangka panjang. Indeks produksi industri Tiongkok memiliki pengaruh positif signifikan dalam jangka pendek, namun tidak signifikan dalam jangka panjang. Sementara itu, kebijakan antidumping tidak menunjukkan pengaruh signifikan baik dalam jangka pendek maupun panjang, dan pandemi COVID-19 hanya berpengaruh negatif signifikan dalam jangka panjang. Temuan ini menunjukkan bahwa dinamika impor ubin keramik sangat dipengaruhi oleh respons jangka waktu yang berbeda dari masing-masing faktor ekonomi dan kebijakan. Penelitian ini memberikan kontribusi empiris dalam merancang strategi proteksi industri nasional yang lebih responsif terhadap guncangan ekonomi eksternal dan kondisi pasar global.
Impact of Global Geopolitical Tension and Economic Uncertainty on Economic Growth in 3 Countries OIC Firliana Rizki Ramadhina; Inda Fresti Puspitasari
Proceeding ISETH (International Summit on Science, Technology, and Humanity) 2025: Proceeding ISETH (International Summit on Science, Technology, and Humanity)
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Purpose: The study aims to examine the impact of geopolitical tension and global economic uncertainty on economic growth. The dependent variable in this study is GDP Growth, while the independent variables in this study are Geopolitical Risk Index (GPR), World Uncertainty Index (WUI), Oil Prices, and Gold Prices).Methodology: This study uses a quantitative panel data analysis method in three OIC countries (Saudi Arabia, Indonesia, and Malaysia) for the period 2020 M01-2024 M12. Results: The Best model in this study is Fixed Effect Model (FEM). The results show that World Uncertainty Index (WUI) and Oil Prices have a positive and significant effect on economic growth, while Gold Prices have a negative and significant effect. Meanwhile, GPR has no significant effect on economic growth. Applications/Originality/Value: Results of this study can be a suggestion for government to maintain economic growth with implication expansionary fiscal policies such as increasing Infrastructure spending, creating labor intensive programs, and providing energy subsidies.
Determinant of the Prevalence of Undernourishment (POU) in Districts/Cities of Papua Province from 2021–2024 Wennar Tamara; Inda Fresti Puspitasari
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 2 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i2.9564

Abstract

The study aims to analyze factors related Prevalence of Undernourishment (PoU) in 29 districts and city of Papua Province from year 2021-2024. The proportion of the population that does not consume enough energy is PoU. Panel data regression model using the Fixed Effect Model (FEM) was employed in the analysis. Variables such as economic growth, poverty, population density, average length of schooling and life expectancy have been considered. The estimation results show that the PoU is negatively and significantly influenced by economic growth, while number of poor people and life expectancy have a positive and significant influence. These findings confirm that increasing economic growth and reducing poverty are important strategies for reducing food insecurity in Papua. Thus, the implementation of policies focused on inclusive economic growth and poverty alleviation is expected to support the achievement of Sustainable Development Goal (SDG) 2, “Zero Hunger,” while improving the welfare of the community.
THE RELATIONSHIP BETWEEN COMMUNITY WELFARE AND CRIME IN EAST JAVA 2019-2022 Nadiva Aulia Eka Anggraini; Inda Fresti Puspitasari
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 9 No 2 (2026): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v9i2.9608

Abstract

This study investigates the impact of community welfare on criminality in East Java Province. The dimensions ofized in the welfare used in this study are education, unemployment, poverty, and health. The study uses panel data collected from the Central Statistics Agency (BPS) and applies panel data regression analysis to measure the real effect of each of these socioeconomic variables on criminality. The results suggest the presence of a positive and significant impact of education on crime and of poverty, with a negative and significant effect. Employment and health indicators, on the other hand, do not show a statistically significant effect on crime. These results suggest that improving education without enough job opportunities may increase the chances of criminal behavior. At the same time, poverty continues to drive crime due to ongoing economic pressures. Overall, the study points out the need to improve the quality of education and its connection to the job market while also focusing on strategies to reduce poverty. Community-based economic empowerment is crucial in efforts to lower crime in East Java.