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ANALISIS PENGARUH UKURAN BANK KONVENSIONAL TERHADAP STABILITAS KEUANGAN DI INDONESIA Rahmi, Rahmi; Astuty, Sri; Hastuti, Diah Retno Dwi; Bado, Basri; Irwandi, Irwandi
REMITTANCE: JURNAL AKUNTANSI KEUANGAN DAN PERBANKAN Vol 6, No 2 (2025): REMITTANCE DESEMBER 2025
Publisher : Institut Teknologi dan Bisnis Swadharma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56486/remittance.vol6no2.776

Abstract

Financial stability is a crucial aspect of the economic system, particularly in the banking sector, which serves as the primary intermediary institution. This study aims to analyze the effect of bank size on financial stability in Indonesia during the 2014–2023 period. Bank size is measured through total assets and Third Party Funds (DPK), while economic stability is proxied by the Z-score. The study population includes 92 conventional banks registered with the Financial Services Authority (OJK). The sample was determined using a stratified sampling method based on the Bank Group category, Core Capital (KBMI), in accordance with POJK No. 12/POJK.03/2021, resulting in 48 banks as samples. Data are in the form of quarterly financial reports from the first quarter of 2014 to the fourth quarter of 2023. The analysis was conducted using panel data regression using the Fixed Effect Model (FEM). The results show that total assets have a positive and significant effect on financial stability, while DPK has a negative and significant impact.Stabilitas keuangan merupakan aspek krusial dalam sistem perekonomian, khususnya pada sektor perbankan sebagai lembaga intermediasi utama. Penelitian ini bertujuan menganalisis pengaruh ukuran bank terhadap stabilitas keuangan di Indonesia pada periode 2014–2023. Ukuran bank diukur melalui total aset dan Dana Pihak Ketiga (DPK), sedangkan stabilitas keuangan diproksikan dengan Z-score. Populasi penelitian mencakup 92 bank konvensional yang terdaftar di Otoritas Jasa Keuangan (OJK). Sampel ditentukan dengan metode stratified sampling berdasarkan kategori Kelompok Bank berdasarkan Modal Inti (KBMI) sesuai POJK No. 12/POJK.03/2021, sehingga diperoleh 48 bank sebagai sampel. Data berupa laporan keuangan triwulanan dari Kuartal I 2014 hingga Kuartal IV 2023. Analisis dilakukan dengan regresi data panel menggunakan model Fixed Effect Model (FEM). Hasil penelitian menunjukkan bahwa total aset berpengaruh positif dan signifikan terhadap stabilitas keuangan, sedangkan DPK berpengaruh negatif dan signifikan.
Determinants of Local Original Income in Sulawesi with Investment as an Intervening Variable Rauf, Rahma; Retno Dwi Hastuti, Diah; Syafri, Muhammad
Jurnal Ilmu Ekonomi JIE Vol. 9 No. 04 (2025): Jurnal Ilmu Ekonomi
Publisher : Program Studi Ekonomi Pembangunan Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jie.v9i04.42330

Abstract

The purpose of this study is to analyse the factors that influence Regional Original Revenue in six provinces on the island of Sulawesi, with investment as an intervening variable. This study uses a quantitative approach, including panel-data regression analysis and the Sobel test, for the period from 2015 to 2024. The results of this study indicate that population size, gross regional domestic product, and investment have a significant direct effect on local revenue. Gross Regional Domestic Product, in addition to having a direct impact, also has an important indirect effect on Local Own-Source Revenue. In contrast, inflation has no considerable impact either directly or indirectly. This study emphasises the importance of increasing Investment, developing strategic sectors, and improving the quality of human resources to optimise Local Own-Source Revenue. This study offers a new perspective on the role of investment as an intervening variable in the relationship between local revenue factors on the island of Sulawesi.
Determinants of Women's Employment Opportunities Entering the Demographic Bonus Era in South Sulawesi Province Andriani, Shadry; Dwi Hastuti, Diah Retno; Praptani Adys, Himaya; Juardi
Jurnal Ilmu Ekonomi JIE Vol. 10 No. 01 (2026): Jurnal Ilmu Ekonomi
Publisher : Program Studi Ekonomi Pembangunan Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jie.v10i01.43159

Abstract

This study aims to analyze the factors influencing women's employment opportunities in the context of the demographic bonus in South Sulawesi Province. The demographic bonus is characterized by an increasing proportion of the working-age population and is expected to strengthen economic development, particularly through women's active participation in the labor market. Multiple linear regression was used to test the influence of internet access (X1), minimum wages (X2), women's productive age (X3), average years of schooling (X4), access to workforce training (X5), and the gender development index (X6) on women's employment opportunities. The results indicate that internet access, women's productive age, and access to workforce training significantly affect women's employment opportunities in South Sulawesi, while minimum wages, average years of schooling, and the gender development index do not.
Karakteristik Sosial Ekonomi dan Kesejahteraan Petani Lada di Desa Loeha, Kabupaten Luwu Timur Arifuddin, Nurazizah; Bado, Basri; Hastuti, Diah Retno Dwi; Rahim, Abd.; Ma’ruf, Muhammad Imam
Bulletin of Economic Studies (BEST) Vol 6 No 1 (2026)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/best.v6i1.63140

Abstract

Penelitian ini bertujuan menguji secara empiris faktor-faktor yang memengaruhi kesejahteraan petani lada di Desa Loeha, Kecamatan Towuti, Kabupaten Luwu Timur. Permasalahan penelitian didasarkan pada rendahnya tingkat kesejahteraan petani yang ditandai oleh pendapatan yang terbatas, ketergantungan pada satu komoditas, serta minimnya sumber pendapatan alternatif. Penelitian ini menganalisis pengaruh tingkat pendidikan, luas panen lada, keterlibatan dalam pekerjaan lain, dan jumlah tanggungan keluarga terhadap kesejahteraan petani. Pendekatan yang digunakan adalah kuantitatif dengan analisis utama regresi linear berganda. Sebelum dilakukan analisis regresi linear berganda, penelitian ini juga melakukan uji validitas konstruk menggunakan Confirmatory Factor Analysis (CFA). Penelitian ini menggunakan 35 responden petani lada yang dipilih sebagai studi kasus eksploratif untuk menggambarkan kondisi sosial ekonomi petani di Desa Loeha. Hasil penelitian menunjukkan bahwa tingkat pendidikan, luas panen lada, dan keterlibatan dalam pekerjaan lain berpengaruh positif dan signifikan terhadap kesejahteraan petani, sedangkan jumlah tanggungan keluarga berpengaruh negatif. Temuan ini menunjukkan bahwa peningkatan kesejahteraan petani dapat didorong melalui kebijakan peningkatan pendidikan petani, optimalisasi pengelolaan lahan, serta pengembangan diversifikasi sumber pendapatan di wilayah pedesaan.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI ALOKASI BELANJA MODAL PADA KABUPATEN/KOTA DI SULAWESI SELATAN Satmawati Satmawati; Abd Rahim; Irwandi Irwandi; Abdul Rajab; Diah Retno Dwi Hastuti
Oikos Nomos: Jurnal Kajian Ekonomi dan Bisnis Vol 18, No 1 (2025): Juni 2025
Publisher : Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37479/jkeb.v18i1.35437

Abstract

Penelitian ini bertujuan menganalisis determinan utama Alokasi Belanja Modal (BM) pemerintah daerah di Provinsi Sulawesi Selatan, dengan fokus pada Pendapatan Asli Daerah (PAD), Dana Alokasi Umum (DAU), dan Pertumbuhan Ekonomi (PE). Urgensi studi ini didasari oleh pentingnya pengelolaan BM untuk peningkatan layanan publik dan pertumbuhan ekonomi yang berkelanjutan, di tengah tantangan fluktuasi realisasi BM daerah. Menggunakan pendekatan kuantitatif dengan data panel dari seluruh Kabupaten/Kota di Sulawesi Selatan dan model Fixed Effect (FEM) yang memiliki daya prediksi sangat kuat (Ajusted R² = 0,9567), penelitian ini menguji hubungan kausal antarvariabel. Hasilnya, disimpulkan bahwa PAD dan DAU memiliki pengaruh positif dan signifikan terhadap Belanja Modal. PAD memfasilitasi investasi jangka panjang (sesuai Teori Kapasitas Fiskal), sedangkan DAU bertindak sebagai stimulan pemerataan fiskal, membantu pembiayaan infrastruktur esensial. Kontrasnya, Pertumbuhan Ekonomi tidak memiliki pengaruh signifikan. Temuan ini mengidentifikasi adanya diskoneksi antara kinerja ekonomi makro daerah dan kebijakan investasi mereka, menunjukkan bahwa keputusan alokasi Belanja Modal lebih didorong oleh ketersediaan likuiditas kas aktual (PAD dan DAU) daripada respons strategis terhadap laju pertumbuhan ekonomi.
Determination of Consumer Credit Demand at Regional Development Banks: A Case Study of PT Bank Sulselbar Anniza Reskywana Dwi Putri; Diah Retno Dwi Hastuti; Sri Astuty; Irwandi Irwandi; Muhammad Imam Ma’ruf
Jurnal Ilmu Ekonomi JIE Vol. 10 No. 02 (2026): Jurnal Ilmu Ekonomi
Publisher : Program Studi Ekonomi Pembangunan Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jie.v10i02.43101

Abstract

This study analyses the effects of prime lending rates, the number of consumer credit accounts, and inflation on consumer credit distribution at PT Bank Sulselbar for the 2020–2024 period using a quantitative approach based on secondary data from PT Bank Sulselbar's financial statements and the Central Statistics Agency. The analysis was conducted using multiple linear regression supported by the classical assumption test. The results show that interest rates and the number of accounts have a positive and significant effect on consumer credit distribution, while inflation has a negative and significant effect. Simultaneously, all three variables have a significant effect, with an Adjusted R² of 0.904, indicating the model's ability to explain variation in consumer credit. These findings confirm that PT Bank Sulselbar's consumer credit distribution is more influenced by internal banking factors and the expansion of financial inclusion than inflation, thus managing competitive interest rates and increasing access to financial services are important strategies in supporting intermediation performance and regional economic growth
Faktor-Faktor Yang Mempengaruhi Omset Warung Kelontong di Kecamatan Biringkanaya Nur Aliyah; Abd. Rahim; Diah Retno Dwi Hastuti; Sri Astuty
eCo-Buss Vol. 8 No. 2 (2025): eCo-Buss
Publisher : Komunitas Dosen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32877/eb.v8i2.2488

Abstract

Seiring dengan perkembangan waktu, ritel modern di Indonesia telah mengalami peningkatan yang signifikan. Fenomena ini membawa dampak terhadap berbagai aspek ekonomi, termasuk pendapatan pedagang warung kelontong tradisional. Tujuan penelitian ini untuk menganalisis seberapa besar pengaruh ‘lama pendidikan, lama usaha, jam kerja, dan’ jarak terhadap omzet warung kelontong di Kecamatan Biringkanaya. Sampel penelitian ini terdiri dari 94 responden yang dipilih secara acak (random sampling). Proses analisis data dilakukan dengan menggunakan teknik analisis linear berganda. Model regresi menunjukkan Adjusted R² sebesar 0,422, yang menunjukkan bahwa 42,2% variasi omzet dapat dijelaskan oleh variabel-variabel independen yang diteliti. Hasil penelitian, menunjukkan bahwa jam kerja dan jarak memberikan pengaruh positif dan signifikan terhadap omzet penjualan (p < 0.01), sementara lama pendidikan dan lama usaha tidak menunjukkan pengaruh signifikan. Hasil uji F menunjukkan bahwa variabel independen secara simultan berpengaruh positif terhadap omzet penjualan dengan signifikansi sebesar 0,001. Ini menandakan bahwa keberadaan ritel modern memengaruhi omzet warung kelontong, di mana pedagang yang bekerja lebih lama dan berlokasi dekat dengan konsumen cenderung mendapatkan lebih banyak pelanggan. Penelitian ini merekomendasikan agar pemerintah mempertimbangkan regulasi jumlah ritel modern untuk mendukung keberlanjutan usaha warung kelontong. Dengan mempertimbangkan regulasi yang tepat, diharapkan para pelaku usaha tradisional dapat meningkatkan kualitas layanan dan inovasi dalam menjawab tantangan persaingan. Selain itu, pelatihan dalam manajemen usaha dan pemasaran juga dapat membantu pedagang untuk lebih memahami kebutuhan pelanggan dan mengembangkan strategi yang lebih efektif. Melalui langkah-langkah ini, warung kelontong diharapkan mampu bersaing dan berkembang di tengah maraknya  ritel modern.
Agribusiness Development Strategy for Herbal Medicine Products in Makassar City (Case Study of Ash Store) Putri, Ananda; Bado, Basri; Rahim, Abd; Retno Dwi Hastuti, Diah; Ayni Kamaruddin, Citra
JURNAL AGRIBISAINS Vol. 12 No. 1 (2026): Jurnal AgribiSains
Publisher : Universitas Djuanda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jagi.v12i1.22286

Abstract

The herbal medicine agribusiness plays an important role in supporting public health through the use of bioactive plants. In Makassar City, Ash Store is one of the herbal medicine businesses that utilizes local raw materials and digital-based marketing. This study aims to identify internal and external conditions and formulate a development strategy for Ash Store's herbal medicine agribusiness in Makassar City. This study uses a qualitative approach with data collection techniques through questionnaires, interviews, observations, and documentation. The SWOT analysis results show that the Ash Store herbal medicine business is in Quadrant I (Growth Oriented Strategy), which indicates that the business conditions are very supportive for development. The recommended development strategy is to maximize internal strengths in the form of unique herbal medicine recipes, guaranteed raw material quality, strong branding, and halal certification to take advantage of digital marketing opportunities, market distribution expansion, and government support for herbal MSMEs to increase business competitiveness and sustainability.
Infrastructure Development Planning Based on Local Potential to Increase Farmers Income: (Case Study Porang of Kindang Village, Kindang District, Bulukumba Regency) Asrul, Andi; Bado, Basri; Syafri, Muhammad; Imam Ma'ruf, Muhammad; Retno Dwi Hastuti, Diah
Indonesian Journal Economic Review (IJER) Vol. 6 No. 2 (2026): June
Publisher : Divisi Riset, Lembaga Mitra Solusi Teknologi Informasi (L-MSTI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59431/ijer.v6i2.782

Abstract

This study aims to examine the infrastructure planning process based on local conditions and potential, the role of the village government in supporting the development of local porang potential, and the efforts of porang farmers to develop a value chain to increase their income in Kindang Village, Kindang Subdistrict, Bulukumba Regency. This study employs a descriptive qualitative method using a case study approach. Data were collected through interviews, observations, and documentation from 20 informants (village government officials, porang farmers, porang traders, and community leaders), as well as through document analysis of the village medium-term development plan (RPJMDes), the village development work plan (RKPDes), and the village fund budget (DDS). Thematic data analysis was conducted through data reduction, data presentation, and drawing conclusions. The results show that although planning has been carried out in a participatory manner through village meetings, its effectiveness remains limited. The main finding highlights that road quality, especially farm roads, is a key factor in optimizing the value chain and selling price of porang. Limited access increases distribution costs and weakens farmers’ bargaining position, so the economic potential has not been fully utilized. Therefore, strong synergy between participatory planning, strengthening the role of the village government, and infrastructure development oriented toward agricultural production needs is essential to sustainably improve farmers’ income.
Analisis Pengaruh Pendapatan, Belanja, dan Kemandirian Fiskal terhadap Kinerja Keuangan Daerah: Studi pada Provinsi Sulawesi Selatan Syaputra, Muh. Yusril Amal; Kamaruddin, Citra Ayni; Regina, Regina; Ma’ruf, Muhammad Imam; Hastuti, Diah Retno Dwi
Jurnal EMT KITA Vol 10 No 3 (2026): JULY 2026
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v10i3.6062

Abstract

This study analyzes the influence of regional revenue, regional expenditure, and fiscal independence on the financial performance of the South Sulawesi Provincial Government. Fluctuations in revenue, expenditure patterns, and the level of fiscal dependency over the last ten years indicate the dynamics of regional financial management. The study uses a quantitative approach with annual time-series data from 2010–2024. Financial performance is measured through the growth ratio, while the independent variables are derived from the Regional Budget (APBD) financial indicators. The results show that each variable has a different influence on financial performance, mainly through expenditure effectiveness, revenue capacity, and the level of fiscal independence. These findings emphasize the importance of increasing fiscal independence and optimizing productive spending in order to strengthen the sustainability of regional financial management.
Co-Authors Abd. Rahim Abd. Rahman Abd. Rajab Abdul Malik Abdul Malik Abdul Rahim Abdul Rajab Abdul Rajab Abdul Rajab Achmad Noerkhaerin Putra Afies, Muhammad Al Fathana Hanafi Alfi Widiyanti Alfiani Muhaer Amalia, Eka Resky Ananda Putri, Ananda Angreini, Angreini Anniza Reskywana Dwi Putri Ansyah, Rudi Arifuddin, Nurazizah Asmita Syahma Asriyani Asrul, Andi Bara' Tiku, Intan Basri Bado Basri Bado, Basri Citra Ayni Kamaruddin Citra Ayni Kamaruddin Citra Ayni Kamaruddin Darmawan Salman Dita Pradipta Dwi Melda Teresia Erwin Erwin Eymal B. Demmalino Fahmi, Ainul Wahdania Faizah, Siti Nurul Fardin Fauziah, Nur Azizah Firmansyah Firmansyah Firmansyah Firmansyah Fitri Suci Ramadhani Harfian, Harfian Himaya Praptani Adys Ika Sulistyawaty Fitria Imam Ma'ruf, Muhammad Irwandi Irwandi Irwandi Jamil, Muh Jamil, Muh. Juardi Khaidarsyah Khaidarsyah Kuswarini Sulandjari Mahdy. K, Muh. Raihan Eka Mardia Mardia Mardia Mardia Marhawati Maulidan, Andi Reski Lailatul Maulidya, Alifa Nurma Meltyn, Maria Mediatrix Masny Mitra Musika Lubis Mufli, Farhanul Muh. Jamil Muhammad Ilyas Thamrin Tahir Muhammad Imam Ma'ruf Muhammad Safri, Muhammad Muhammad Saleh Ali Muhammad Syafri Muhammad Syafri Muhammad Syafri, Muhammad Muhammad Syafrie Mutiara Pratiwi Putri Mutiara Pratiwi Putri Nabila, Asma Nasution, Illiyyiin Ningrum, Wandani Sri Novaty Eny Dungga Nugraha A, Arif Nur Aliyah Nur Azizah Nur Fauziah Nurasri Mulyani Nurbaya Bustanul Nurulita, Aliyah Parinra, Syam Crisan Patima, Nur Rahim Darma Rahim, Abd Rahmadanih Rahmadanih Rahmi Rahmi Ramadhan, Muh Nur Rahmat Rauf, Rahma Regina Regina Regina Riadi, Arif Risma Risma Rudi Ansyah Sabar, Wardihan Samsir, Andi Sari, Tiara Permata Satmawati Satmawati Septaty Rahayu Ningsih Shadry Andriani Slamet Santosa Sri Astuti Sri Astuti Sri Astuty Sri Astuty Sri Astuty Sri Astuty Sulandjari, Kuswarini Suryani, A. Irma Syam, Eka Suci SYAMSU ALAM Syaputra, Muh. Yusril Amal Syarifah Amaliah Tania Tri Wahyuni Taha Tito Koes Herdianto Triyatni Martosenjoyo Ulfa Syam Wardihan Sabar Yusuf, La Ode Muhammad Iksan Zaenal, Andi Haidir Zahra, Raden Ajeng Azmi Hayatunufus Fajri Zainal Abidin Zainal Abidin