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All Journal JIET (Jurnal Ilmu Ekonomi Terapan) Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Indonesian Journal of Economics and Management el-Jizya: Jurnal Ekonomi Islam Journal of Economics, Bussiness and Management Issues
Shabur, Usman
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Impact of Financial Technology Firms on Banking Performance: Insights from Indonesia amal, Muhammad ahsanul; Fahmi, Noor Ali; Muhsin, An'nissa Miftahusnika Islami; Yustika, Baiq Reka; Shabur, Usman
Journal of Economics, Bussiness and Management Issues Vol. 1 No. 2 (2024): Januari-Maret
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/jebmi.v2i1.168

Abstract

The presence of fintech companies in the banking sector of Indonesia plays a crucial role in enhancing the conventional financial system. This study examines the influence of financial technology (Fintech) firms on the performance of banks by utilizing data from the Indonesian banking sector between 2018 and 2022. This study employs a regression analysis using a data panel fixed effect model. This study quantifies the impact of different financial variables, including Capital Adequacy Ratio (CAR), Gross Non-Performing Loans (NPL), Net Interest Margin (NIM), Return On Assets (ROA), Return On Equity (ROE), Operating Expense to Operating Income (BOPO), and Loans. Control factors in the context of Fintech include the deposit ratio (LDR), gross domestic product (GDP), and inflation. The results indicate that the financial indicators, including CAR, NPLgross, ROA, ROE, and NIM, do not have a statistically significant influence on Fintech. Additionally, Fintech is significantly influenced by other indicators such as BOPO (Balance of Payments) and LDR (Loan-to-Deposit Ratio), as well as control variables, including GDP (Gross Domestic Product) and inflation. This demonstrates that Indonesian banks can reap advantages by engaging in partnerships with fintech startups to enhance the financial system and optimize corporate profitability resulting from this collaboration.
The Impact of Human Development Index and Population Number on Economic Growth in South Sumatra Province 2018-2022 Sabardin; Shabur, Usman; Hidayat, Romi; Dly, Mhd Wildan Arif
Jurnal Ilmu Ekonomi Terapan Vol. 10 No. 1 (2025)
Publisher : Department of Economics, Faculty of Economics and Business, Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jiet.v10i1.54828

Abstract

This study aims to determine how the human development index and population affect economic growth in South Sumatra Province in 2018-2022. This study uses secondary data from the Central Statistics Agency (BPS) from 2018 to 2022. The Fix Effect Model (FEM) is the most appropriate model selection test found in this research approach, which uses a panel data regression analysis tool. The results of the study show that the HDI has a partial positive effect on economic growth, while the population has a negative effect that is not significant partially. Both variables simultaneously affect economic growth, emphasizing the role of the government in increasing population productivity to contribute to economic growth. In classifying a region as a Prosperous region, it is necessary to review the balanced Human Development Index (HDI) and population growth at a good level.
Economic Instability and Growth: Analyzing the Role Of EPU, Inflation, FDI and Trade on GDP In Eight Asian Countries Nursam, Nurul Fatmah; Nur Fatiha; Ismail Pulungan; Taosige Wau; Shabur, Usman
Li Falah: Journal of Islamic Economics and Business Vol. 10 No. 1 (2025): June 2025
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v10i1.11772

Abstract

This study investigates the impact of inflation, foreign direct investment (FDI), trade openness, and economic policy uncertainty (EPU) on gross domestic product (GDP) in eight Asian countries Indonesia, China, Japan, South Korea, India, Pakistan, Thailand, and the Philippines over the period 2014–2023. Utilizing the Generalized Method of Moments (GMM) estimation for dynamic panel data, the results reveal that trade openness has a consistently positive and statistically significant effect on GDP, emphasizing its critical role in sustaining economic growth. FDI also exerts a positive influence, but its statistical significance varies across models, suggesting that differences in institutional capacity may affect its effectiveness. In contrast, inflation shows a negative and significant effect on GDP, indicating that price instability directly hampers growth. Moreover, EPU not only negatively impacts GDP but also significantly moderates the relationship between GDP and both FDI and trade openness, weakening their growth-enhancing effects. These findings highlight the necessity for Asian economies to maintain stable inflation, foster investment-friendly environments, and reduce policy uncertainty to fully harness the benefits of trade and foreign capital inflows.
The Customer Interest in Using Bank Syariah Indonesia Mobile BSI in Jambi Province Romi Hidayat; Darmawan; Muhammad ahsanul amal; Sabardin; Shabur, Usman
Indonesian Journal of Economics and Management Vol. 5 No. 3 (2025): Indonesian Journal Of Economics and Management (July 2025)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ijem.v5i3.6398

Abstract

Bank Syariah Indonesia customers in Jambi Province have great potential in using BSI Mobile. However, the use of BSI Mobile is not yet optimal. It is indicated that BSI customers in Jambi Province are hampered by the lack of branch offices in every district/city in Jambi Province. This has hampered customers' interest in using BSI Mobile. This study aims to evaluate the impact of perceived ease of use, perceived benefits, perceived risk, service quality, and sharia compliance on the interest in using BSI Mobile Bank Syariah Indonesia in Jambi Province. Using quantitative methodology, this research involved 272 respondents/customers and utilized the SmartPLS analysis technique. In this study, interest in using BSI Mobile is negatively and significantly influenced by risk perception, but positively and significantly influenced by perceived usefulness, sharia compliance, service quality, and ease of use. The findings of this study imply that customers are more interested in utilizing BSI Mobile when companies provide higher quality services. This research recommends that Bank Syariah Indonesia (BSI) in Jambi Province improve the features on BSI Mobile and provide discounts or cashback on payments/transactions through the use of BSI Mobile. Keywords: Interest, Perceived Ease Of Use, Perceived Usefulness, Perceived Risk, Service Quality And Sharia Compliance
The Politics of Public Finance Al-Mawardi’s Perspective: Al-Ahkam As Sulthaniyah Caniago, Muhammad Ali Imran; Shabur, Usman; Satibi, Ibi
el-Jizya : Jurnal Ekonomi Islam Vol. 12 No. 1 (2024): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v12i1.9711

Abstract

This study aims to explore the concept of Al-Mawardi's public loan. This type of research is qualitative with an exploratory approach. Data collection uses the library method. Primary data was obtained from the book Al-Ahkam As Sulthaniyah and secondary data was obtained from several scientific journals and books related to this research. The analysis used is a qualitative analysis involving descriptive and interpretive data exploration. The results of the study show that the book Al-Ahkam As Sulthaniyah discusses state income, state expenditure, and the Baitul Mal. State revenue comes from zakat, ghanimah, and fai'. The state is only allowed to spend the treasures of the baitul mal as long as these expenditures are used for the public good. Al-Mawardi divided the two objectives of allocating Baitul Mal funds: first, for maslahah (benefit) and arfaq (provision of public facilities). Second, for the mandatory function. If the government has an obligation that is a mandatory function, while the funds in the baitul mal are empty, the government may make public loans because it is feared it will cause state chaos. And this policy was never carried out by the Prophet. If the leader dies, the next leader is responsible for repaying the loan.
Co-Authors amal, Muhammad ahsanul Caniago, Muhammad Ali Imran Darmawan Dly, Mhd Wildan Arif Fahmi, Noor Ali Hidayat, Romi Ismail Pulungan Muhammad Ahsanul Amal Muhsin, An'nissa Miftahusnika Islami Nur Fatiha Nursam, Nurul Fatmah Romi Hidayat Sabardin Satibi, Ibi Taosige Wau Yustika, Baiq Reka