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All Journal International Conference on Islamic Economic Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah
Khasanah, Riskiyatul
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Economics, Econometrics & Finance

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Does Digital Financial Inclusion in Sharia Commercial Banks Drive Economic Transformation in Madura? Khasanah, Riskiyatul; Azizah, Nur
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 10 No. 1 (2023)
Publisher : Institut Agama Islam Negeri Madura

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Abstract

The urgency of financial inclusion has been widely recognized and has even become one of the focuses of governments in several countries in the world, including Indonesia. In the era of increasingly rapid digital acceleration due to the pandemic, financial inclusion by banks that focus on digitalization takes a significant role in realizing a better economic transformation through digital financial services, Laku Pandai, digital account ownership, and other financing facilities. Sharia Commercial Banks are still the driving force for financial services in various regions in Indonesia, including Madura, this is because banking has a scope that is more accessible to the public and fulfills the religious value of the Madurese community. The purpose of this study is to determine whether Sharia Commercial Banks have been able to encourage economic transformation in Madura inclusively in the digitalization era. This study uses quantitative research methods with multiple linear regression analysis (Ordinary Least Square) with the help of EViews 9.0 software. The result of the study found that the contribution of financial inclusion made by Sharia Commercial Banks was able to encourage economic transformation in Madura and Showed significant development.
Does Banking Digitization Reduce Non-Performing Financing in Sharia Commercial Banks? Evidence from Indonesia Khasanah, Riskiyatul; Azizah, Nur; Pernamawati, Anni Muslimah; Bahtiar, Moh. Ilham Ali; Arumania, Alvia
International Conference on Islamic Economic (ICIE) Vol. 2 No. 2 (2023): October
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v2i2.265

Abstract

Digitalization in the banking sector has received great urgency and attention in the last few decades because it has been able to provide many conveniences for banks and customers in conducting transactions, this condition has further increased productivity. This increase in productivity describes an increase in income so that Non-performing financing faced by Sharia Commercial Banks in Indonesia can be minimized. Non-performing financing is necessary because a high NPF can disrupt banking operations. This study aims to study and analyze whether digitalization in the economic and banking sectors can reduce Non-performing financing in Sharia Commercial Banks in Indonesia. This research is a positivist study with a quantitative approach which is analyzed using panel regression with dummy variables, with the help of EViews software. This study uses secondary data in the form of banking digitization data, internal factors in Sharia Commercial Banks in Indonesia. This research provides evidence that digitalization that is occurring in the economic and banking sectors, as well as internal and external banking conditions, have made a significant contribution to reducing Non-performing financing in Sharia Commercial Banks in Indonesia.
Co-Authors Arumania, Alvia Bahtiar, Moh. Ilham Ali Nur Azizah Pernamawati, Anni Muslimah