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All Journal Jurnal Ilmiah Akuntansi dan Humanika Jurnal Ilmiah Peuradeun International Journal of Social Science and Business Akuntansi : Jurnal Akuntansi Integratif
Zhahirah, Nasywa
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Religion Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Tinjauan Strategi Pertumbuhan Endogen dan Eksogen Dalam Mendorong Pengembangan Ekonomi Lokal di Lombok (Studi Kasus KEK Mandalika): Studi Kasus Kawasan Ekonomi Khusus Mandalika Hakim, Lukman; Rizaldi, Muhammad; Syafitri, Wildan; Zhahirah, Nasywa; Anwar
Jurnal Ilmiah Akuntansi dan Humanika Vol. 14 No. 2 (2024)
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/jiah.v14i2.76177

Abstract

Setiap negara pasti mengidam-idamkan pertumbuhan ekonomi yang tinggi. Kawasan Ekonomi Khusus (KEK) Mandalika dibangun untuk memberikan kontribusi bagi pembangunan ekonomi nasional serta ekonomi lokal. Tujuan dari penelitian ini adalah untuk melihat strategi pertumbuhan endogen dan eksogen yang dilakukan oleh masing-masing stakeholder dalam pengembangan ekonomi lokal di Lombok. Metode penelitian yang digunakan adalah literature review yang bersumber dari jurnal internasional dan nasional, buku, laporan resmi pemerintah, serta website resmi untuk menemukan sumber data yang akan dianalisis secara deskriptif. Hasil dari penelitian ini adalah strategi pertumbuhan endogen dan pertumbuhan eksogen memiliki porsi yang sama pentingnya dalam mendorong pengembangan ekonomi lokal di Lombok. Adanya KEK Mandalika sebagai representatif nyata sinergitas strategi pertumbuhan endogen dan eksogen dalam mendorong pengembangan ekonomi Lokal di Lombok pada khususnya dan NTB pada umumnya. Manfaat dari penelitian ini adalah untuk memberikan gambaran pada pemerintah daerah NTB dalam mendorong pengembangan ekonomi lokal kedepannya.
The Effect of Digital Transformation on the Islamic Financial Sector: A Study on the 11 Largest Halal Industry Countries in 2018-2022 Hakim, Lukman; Rizaldi, Muhammad; Syahrin, Fira Alfi; Shofiatin, Nanik; Zhahirah, Nasywa
International Journal of Social Science and Business Vol. 8 No. 3 (2024): August
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ijssb.v8i3.77928

Abstract

Islamic finance is an important instrument in offering crucial support for the resilience of global economy after the failure of the capitalist economic system in 1998. The institutions showed good ability and sustainability during a period marked by negative trends in conventional banks. The halal industry, as an aspect with a major influence on the growth of Islamic finance, was considered inseparable from the role of digitalization. This was evidenced by the achievement of a world economic output of USD 193 billion through job creation to drive global growth. In addition, important instruments in digitalization with a major impact on the economy played a significant role in the growth of the sector. Therefore, this research aimed to determine the influence of the determining factors shaping the relationship between digital economy and Islamic finance. A quantitative approach was adopted through panel data regression analysis to examine digital instruments within 11 of the world's highest halal industrial countries. The results showed that valuable input for the government and financial institutions in developing strategies and policies for the growth of Islamic finance was provided through digital economy. In this context, appropriate policies were designed to facilitate innovation and growth by understanding the influence of the digital economy.
BPR RESILIENCE IN ECONOMIC UNCERTAINTY: COMPARISON OF BPR FINANCIAL PERFORMANCE IN INDONESIA BEFORE AND DURING THE COVID-19 PANDEMIC Hakim, Lukman; Nurgupita, Rea Kanaya; Rizaldi, Muhammad; Zhahirah, Nasywa
Akuntansi: Jurnal Akuntansi Integratif Vol. 10 No. 2 (2024): Volume 10 Nomor 2 Oktober 2024
Publisher : Prodi Akuntansi UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29080/jai.v10i2.1615

Abstract

The primary objective of this study was to examine the performance of BPRs in Indonesia before and during the Covid-19 pandemic. The focus was on assessing financial performance variables, including Loan to Deposit Ratio (LDR), Non-Performing Loan (NPL), Return on Asset (ROA), and Credit Disbursement. To achieve the study's objectives, a Descriptive Statistical Analysis was employed to provide a detailed overview of BPR performance during the two distinct periods. Additionally, a Difference Test, utilizing the Wilcoxon Test, was conducted to assess the significance of the differences observed between the pre-pandemic and pandemic periods. The results of the analysis revealed notable differences in the condition of BPRs before and during the Covid-19 pandemic. Significant changes were observed in financial performance variables such as NPL, ROA, and Credit Disbursement. However, LDR exhibited a tendency to be insignificant during this comparative analysis. It is crucial to acknowledge certain limitations in this study. The analysis focused primarily on financial performance variables, and other relevant factors may need consideration for a comprehensive understanding. Additionally, the study's findings are specific to the given time frame and may not account for potential longer-term effects. The identified differences in BPR performance provide valuable insights for policymakers and industry stakeholders. These findings can serve as a foundation for designing effective policies and strategies to address the economic impact of the pandemic. Moreover, the study offers essential insights for the banking industry, guiding them in adapting and building resilience in response to unexpected external changes.
Village Development Inequality in Indonesia: Mapping the Influence of Human Capital and Village Funds Hakim, Lukman; Rizaldi, Muhammad; Suman, Agus; Ekawaty, Marlina; Riza, Akmal; Zhahirah, Nasywa
Jurnal Ilmiah Peuradeun Vol. 14 No. 1 (2026): Jurnal Ilmiah Peuradeun
Publisher : SCAD Independent

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26811/peuradeun.v14i1.1307

Abstract

Village-level development disparities remain a persistent challenge in Indonesia's broader economic progress. This study aimed to map and analyze regional disparities in village development across 33 provinces in Indonesia from 2018 to 2022, using the Village Development Index (VDI) as a proxy. Employing descriptive statistical analysis and spatial mapping, the study examined the roles of two key factors: human capital, measured by the Human Development Index (HDI), and fiscal transfers, proxied by the Village Fund. The findings revealed that provinces in Java generally achieved higher VDI scores compared to those outside Java, with Bali as a notable exception. The disparities were influenced by the quality of human resources, accessibility to basic services, proximity to economic centers, and the effectiveness of Village Fund management. The study underscored the importance of strengthening human capital, improving governance in fund allocation, and addressing structural inequalities to promote more equitable and sustainable village development. These insights offer valuable implications for national policy and contribute to broader discussions on inclusive development strategies in emerging economies.
Co-Authors Agus Suman Akmal Riza Anwar Lukman Hakim Marlina Ekawaty Nurgupita, Rea Kanaya Rizaldi, Muhammad Shofiatin, Nanik Syahrin, Fira Alfi Wildan Syafitri