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All Journal Signifikan : Jurnal Ilmu Ekonomi Jurnal Keuangan dan Perbankan Jurnal Ilmiah Mahasiswa FEB Journal of Indonesian Applied Economics Economica: Jurnal Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Journal of Economic, Bussines and Accounting (COSTING) Al-Hayat: Journal of Islamic Education Shirkah: Journal of Economics and Business EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Indonesian Journal of Islamic Economics Research Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Enrichment : Journal of Management El-Qist : Journal of Islamic Economics and Business (JIEB) Ar Rehla: Journal of Islamic Tourism, Halal Food, Islamic Traveling, and Creative Economy Telaah Bisnis Journal of Management and Islamic Finance Jurnal Penelitian Mahasiswa Ilmu Sosial, Ekonomi, dan Bisnis Islam (SOSEBI) Journal of Economics Research and Policy Studies Journal of Accounting and Digital Finance Journal of Management and Digital Business Jurnal Cakrawala Ilmiah Jurnal Ekonomi dan Bisnis Digital West Science Business and Management Jurnal Ekonomi dan Kewirausahaan West Science Equilibrium: Jurnal Ekonomi Syariah Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Penelitian Mahasiswa Ilmu Sosial, Ekonomi, dan Bisnis Islam (SOSEBI) Ar Rehla: Journal of Islamic Tourism, Halal Food, Islamic Traveling, and Creative Economy
Risdiana Himmati
Universitas Islam Negeri Sayyid Ali Rahmatullah
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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Analisis pengaruh dana pihak ketiga dan pembiayaan perbankan syariah terhadap pertumbuhan ekonomi Indonesia tahun 2011-2021 Arum, Yasmine Sekar; Himmati, Risdiana
Journal of Accounting and Digital Finance Vol. 1 No. 2 (2021): Journal of Accounting and Digital Finance
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (405.929 KB) | DOI: 10.53088/jadfi.v1i2.209

Abstract

As a financial institution, banks have a crucial role in the Indonesian economy to improve people's living standards through the intermediation function in raising funds from the community and channeling funds to the community. This function in Islamic banking is carried out with third-party funds and financing. The purpose of this study is to find out the influence of third-party funds and Islamic banking financing on Indonesia's economic growth. This research uses a quantitative approach using secondary data (time series), namely third-party fund data and financing, namely mudharabah financing, musyarakah, murabahah, istishna', and qard from Islamic Banking Statistics by OJK and Gross Domestic Product data by BPS from the first quarter of 2011 to the second quarter of 2021. Researchers used the Error Correction Model (ECM) analysis technique in the analysis. The results of this study are variables that affect economic growth in the long term: mudharabah financing and musyarakah, while in the short term is mudharabah financing. Variable third-party funds, murabahah, istishna' and qard do not affect economic growth in the short and long term.
Government’s Role in Enhancing Economic InclusionThrough Digital Infrastructure Equity in Indonesia Himmati, Risdiana; Dana, Badara Shofi; Wati, Aprilia Eka Fajar
Signifikan: Jurnal Ilmu Ekonomi Vol. 14 No. 2 (2025)
Publisher : Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v14i2.45574

Abstract

Research Originality: This research is original in its examination of the equitable distribution of digital infrastructure in enhancing economic inclusion in Indonesia, employing a fixed effect model and quantile regression approach. Research Objectives: This study investigates the impact of the equitable distribution of digital infrastructure on enhancing economic inclusion in Indonesia. Research Methods: This study employs a fixed effect model and quantile regression, analyzing data from 34 provinces between 2019 and 2023. Key variables include internet access, internet speed, the number of Base Transceiver Stations (BTS), and digital literacy. Empirical Results: The findings reveal that internet access and internet speed have a positive and significant impact on digital financial inclusion, whereas the number of BTS and digital literacy exhibit no significant effect. The impact of digital infrastructure varies across regions, with areas exhibiting lower financial inclusion requiring greater infrastructure optimization compared to those with higher inclusion levels. Implications: The results imply that digital infrastructure development plays a critical role in promoting equitable financial inclusion. Consequently, policymakers are urged to prioritize and accelerate the expansion of digital infrastructure, particularly in regions lagging behind, to reduce financial exclusion and foster inclusive economic development at the national level. JEL Classification: O33, O10, G28, C23, C21 How to cite: Himmati, R., Dana, B. S., & Wati, A. E. F. (2025). Government’s Role in Enhancing Economic Inclusion Through Digital Infrastructure Equity in Indonesia. Signifikan: Jurnal Ilmu Ekonomi, 14(2), 291-302. https://doi.org/10.15408/sjie.v14i2.45574.
ANALISIS RASIO KEUANGAN SEBAGAI ALAT PENILAIAN KINERJA KEUANGAN PADA PEMERINTAH PROVINSI JAWA TIMUR DAN PROVINSI JAWA TENGAH PADA TAHUN 2019-2020 Drastiana, Tiyas; Himmati, Risdiana
SOSEBI: Jurnal Penelitian Mahasiswa Ilmu Sosial Ekonomi dan Bisnis Islam Vol 1 No 1 (2021)
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/sosebi.v1i1.4915

Abstract

Abstrak: Kinerja keuangan merupakan suatu tingkat pencapaian dari hasil kerja dalam bidang keuangan atas pelbagai aktivitas yang telah dilakukan. Maka dari itu Pemerintah Daerah perlu melakukan analisis keuangan dengan menggunakan rasio kemandirian, rasio efektifitas, rasio efisiensi, dan rasio pertumbuhan. Tujuan dari penelitian untuk mengetahui kinerja keuangan Pemerintah Provinsi Jawa Timur dan Provinsi Jawa Tengah. Teknik analisis dalam penelitian ini menggunakan deskriptif kuantitatif melalui data sekunder dari laporan realisasi APBD Pemerintah Daerah Provinsi Jawa Timur dan Provinsi Jawa Tengah periode 2019-2020. Hasil penelitian ini menunjukkan bahwa (1) Tingkat kemandirian pada Pemerintah Provinsi Jatim dan Provinsi Jateng dari periode 2019-2020 masih dalam kategori rendah sekali. (2) Rasio efektifitas pada Pemerintah Provinsi Jatim dan Provinsi Jateng periode 2019-2020 masih dalam kategori tidak efektif. (3) Tingkat efisiensi pada Pemerintah Provinsi Jatim dan Provinsi Jateng periode 2019-2020 masuk dalam kategori sangat efisien. (4) tingkat pertumbuhan Pemerintah Provinsi Jatim dan Provinsi Jateng tahun 2019-2020 cenderung fluktuatif. Kata Kunci: rasio kemandirian; rasio efektifitas; rasio efisiensi; rasio pertumbuhan: kinerja keuangan. Abstract: Financial performance is a level of achievement of the results of work in the financial sector for various activities that have been carried out. Therefore, the Regional Government must conduct a financial analysis using the independence ratio, effectiveness ratio, efficiency ratio, and growth ratio. The purpose of this study was to determine the financial performance of the Provincial Government of East Java and Central Java Province. The analysis technique in this study is descriptive quantitative using secondary data, namely from the Realization Report of the Regional Revenue and Expenditure Budget (APBD) of East Java Province and Central Java Province in 2019-2020. The results of this study indicate that (1) The ratio of independence in the Provincial Government of East Java and Central Java Province from 2019-2020 is still in the very low category. (2) The effectiveness ratio in the Provincial Government of East Java and Central Java Province in 2019-2020 is still in the ineffective category. (3) The efficiency ratio in the Provincial Government of East Java and Central Java Province in 2019-2020 is in the very efficient category. (4) The growth ratio of the Provincial Governments of East Java and Central Java Province in 2019-2020 tends to fluctuate. Keywords: independence ratio; effectiveness ratio; efficiency ratio; growth ratio; financial performance.
Poverty Alleviation and Socio-Economic Improvement in Indonesia's Economic Development Plan A'yunina , Qurotu; Himmati, Risdiana
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 14 No. 1 (2024): April
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2024.14.1.17-32

Abstract

This study aims to examine the long- and short-term effects of five key socio-economic indicators—school enrolment rates, infant mortality rates, unemployment rates, the human development index (HDI), and the Gini ratio—on Indonesia’s per capita income from 1993 to 2022. Using the Error Correction Model (ECM) and data from Indonesia’s Central Statistics Agency (BPS), the research reveals that school enrolment, infant mortality, and unemployment rates significantly affect per capita income in the long term, while unemployment and HDI demonstrate significance in the short term. In contrast, the Gini ratio shows no statistically significant effect in either timeframe. These findings underscore the multidimensional nature of poverty alleviation and socio-economic progress, emphasizing the importance of targeted educational, health, and labor policies. The specific contribution of this study to the international research field lies in its comprehensive, multi-decade evaluation of economic development dynamics in a major developing economy. By integrating diverse social indicators into a longitudinal ECM framework, the study contributes novel empirical evidence on the complex causal pathways between inequality, human development, and income generation. It offers comparative insights for policymakers and researchers globally, particularly those working in contexts with similar demographic, institutional, and development challenges.
ANALISIS PENGARUH PDRB SEKTOR INDUSTRI, NILAI EKSPOR DAN INFLASI TERHADAP PERTUMBUHAN EKONOMI JAWA TIMUR TAHUN 2007-2014 Himmati, Risdiana
Jurnal Ilmiah Mahasiswa FEB Vol. 3 No. 2
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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

Abstract

Jawa Timur merupakan salah satu provinsi yang memiliki banyak sektor industri sebagi penggerak pertumbuhan ekonomi yang mampu memberikan pengaruh secara langsung terhadap pertumbuhan ekonomi. Dengan keberadaan sektor industri maka total pendapatan yang dihasilkan setiap tahunnya meningkat sehingga keberadaan sektor industri memberikan pengaruh secara signifikan terhadap pertumbuhan ekonomi. Secara regional, pertumbuhan ekonomi dapat dicerminkan dari PDRB, PDRB merupakan rata-rata tertimbang dari tingkat pertumbuhan sektoralnya. Artinya, ketika sebuah sektor memiliki konstribusi yang besar namun pertumbuhannya lambat maka akan menghambat pertumbuhan ekonomi secara keseluruhan. Penelitian ini bertujuan untuk mwngetahui faktor-faktor yang dapat mempengruhi petumbuhan ekonomi Jawa Timur periode 2007-2014. Variabel yang digunakan adalah, ekspor dari sektor industri pwngolahan, pdrb sektor industri dan inflasi. Penelitian ini menggunakan metode regresi linier berganda (OLS) dengan hasil akhi variabel ekspor dari sektor industri pengolahan dan pdrb industri berpengaruh signifikan positif terhadap pertumbuhan ekonomi Jawa Timur pada periode penelitian. Sedangkan inflasi tidak berpengaruh signifikan positif terhadap pertumbuhan ekonomi Jawa Timur pada periode penlitian Key words: PDRB Sektor industri, Ekspor Industri Pengolahan, Inflasi, Pertumbuhan Ekonomi, OLS
Investment decisions for Indonesian workers: case study of migrant workers in Joho Village, Tulungagung Regency Himmati, Risdiana; Rani, Pranitya Septiya
Indonesian Journal of Islamic Economics Research Vol 5, No 2 (2023): Indonesian Journal of Islamic Economics Research
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/ijier.v5i2.9784

Abstract

This research aims to determine the factors that influence investment decisions for foreign workers in Joho Village, Kalidawir District, Tulungagung Regency. The population is 200 people, and the sample taken in this research was 30 by direct interview. This research uses a quantitative approach with an associative research type and a sampling method using simple random sampling or random sampling. The data management tool used in this research is the SPSS 20 application with binary logistic regression analysis. The variables used in this research consist of seven variables, namely gender, age, education, number of dependents, destination country, length of work, and income. The research results show that gender does not influence investment decisions for foreign workers in Joho Village. Age does not influence investment decisions for foreign workers in Joho Village. Education does not influence investment decisions for foreign workers in Joho Village. The number of dependents does not influence investment decisions for foreign workers in Joho Village. The destination country does not influence TKI's investment decisions in Joho Village and income does not influence TKI's investment decisions in Joho Village.
Pengaruh Fitur Paylater, Spinjam dan Affiliate terhadap Minat Konsumen dalam Berbelanja pada Aplikasi Shopee : Studi Kasus Pengguna Shopee pada Mahasiswa FEBI UIN SATU Tulungagung Tsani Syafiq Nuruddin, Syahru; Himmati, Risdiana
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 5 No. 6 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah 
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v5i6.160

Abstract

Shopee is one of the largest marketplaces in Indonesia that provides several payment features, such as Shopee Paylater, Spinjam and Affiliate.This feature is also used to attract shopping interest for Shopee users without worrying that there is no cost to buy something. The existence of several payment features in the shopee application makes it easier for consumers to shop for whatever items they want. PThis study aims to determine the effect of featuresShopee PayLater, Spinjam and Affiliate for consumers who make transactions on the Shopee marketplace. This research focuses on students of the Faculty of Economics and Islamic Business, Sayyid Ali Rahmatullah Tulungagung State Islamic University who have accounts and are registered as Shopee PayLater, Spinjam and Affiliate. The method used in this research is qualitative methodwith a case study approach that uses source triangulation as the main data with in-depth interviews as well as observation and documentation as additional data. The results of this study indicate that these three features are the main choices for consumers for transactions. Based on data and analysis, Shopee PayLater is used as micro business capital, Spinjam is used for personal needs, and Affiliates tend to be used to earn income through marketing creative content products that include links uploaded on social media.
Factors Affecting Company Values in the Companies Listed in the Jakarta Islamic Index Himmati, Risdiana; Nabila, Rifda; Maslinda, Lisza May
EQUILIBRIUM Vol 9, No 2 (2021): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v9i2.11991

Abstract

The rapid development of the global economy has triggered competition between economic actors, especially between companies; therefore, it is necessary to do the company value analysis to attract investors. The purpose of this study was to determine the factors that affect firm value. This study used a quantitative approach, with a sample of 3 companies. The data processing used Error Correction Model analysis. The study results partially showed that the relationship between the company value in the short and long term with the company size had a negative and insignificant effect; the company growth had a positive and insignificant effect. In the short term, the funding decisions had a negative and insignificant effect; the profitability had a positive and insignificant effect; the investment decisions had a positive and insignificant effect. In the long term, the funding decisions had a positive and significant effect, the profitability had a negative and insignificant effect, and the investment decisions had a positive and significant effect. Simultaneously the independent variable affects the firm value. These findings have implications for adding to the literature on the factors that influence company values and are valuable for executives in companies, especially in implementing policies to increase company value.
Pengaruh Pertumbuhan Ekonomi, Pendidikan dan Pengangguran Tehadap Ketimpangan Pendapatan di Jawa Barat Tahun 2020-2024 Agnes Nova Apprilia; Risdiana Himmati
EKONOMI DAN BISNIS DIGITAL Vol 5 No 1 (2026): jURNAL EKONOMI DAN BISNIS DIGITAL
Publisher : SMARTINDO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58765/ekobil.v5i1.382

Abstract

Ketimpangan pendapatan merupakan salah satu permasalahan utama dalam pembangunan ekonomi daerah, terutama pada wilayah dengan karakteristik ekonomi yang beragam. Provinsi Jawa Barat sebagai salah satu provinsi dengan kontribusi ekonomi terbesar dan jumlah penduduk terbanyak di Indonesia masih menghadapi ketimpangan pendapatan antarwilayah. Penelitian ini bertujuan untuk menganalisis pengaruh pertumbuhan ekonomi, pendidikan, dan pengangguran terhadap ketimpangan pendapatan di Provinsi Jawa Barat selama periode 2020–2024. Penelitian ini menggunakan pendekatan kuantitatif dengan data panel yang mencakup 27 kabupaten/kota. Data diperoleh dari Badan Pusat Statistik dan dianalisis menggunakan regresi data panel dengan Fixed Effect Model. Hasil penelitian menunjukkan bahwa secara parsial pertumbuhan ekonomi, pendidikan, dan pengangguran tidak berpengaruh signifikan terhadap ketimpangan pendapatan. Namun demikian, secara simultan ketiga variabel tersebut berpengaruh signifikan terhadap ketimpangan pendapatan. Temuan ini mengindikasikan bahwa ketimpangan pendapatan di Provinsi Jawa Barat merupakan fenomena multidimensional yang dipengaruhi oleh interaksi berbagai faktor ekonomi dan sosial. Oleh karena itu, upaya pengurangan ketimpangan pendapatan memerlukan kebijakan pembangunan yang terintegrasi dan berorientasi pada pemerataan wilayah, peningkatan kualitas sumber daya manusia, serta penciptaan lapangan kerja yang inklusif.
Strategi manajemen dalam mempertahankan keberlanjutan BLKK pesantren di Jawa Timur Dede Nurohman; Risdiana Himmati
Journal of Management and Digital Business Vol. 5 No. 3 (2025): Journal of Management and Digital Business
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/jmdb.v5i3.2369

Abstract

Indonesia's new economic current positions Islamic boarding schools (pesantren) as the epicenter of national economic growth. Through the Islamic Boarding School Community Job Training Center (BLKK) program, Islamic boarding schools are expected to become economic drivers for lower-class communities. This paper examines the extent to which the BLKK Islamic boarding school programs, provided by the Ministry of Manpower, can contribute to and maintain the economic independence of Islamic boarding schools and communities. This study is a field study using a qualitative approach. The research was conducted at seven BLKK Islamic boarding schools in four regions: Kediri, Blitar, Jombang, and Trenggalek. The study identified three factors that play a significant role in determining the sustainability of the Islamic boarding school empowerment process through the BLKK. These three things are: the charisma of the Kiai (Islamic) is well maintained and productive, the role of alumni is well managed, and there is external collaboration between the Islamic boarding school and external institutions.
Co-Authors A'yunina , Qurotu Agnes Nova Apprilia Agus Salim Agustinus Suryantoro Agustinus Suryantoro Akhmad Afrilal Makhbuby Al-Mubarok, M. Ahris Alinda, Ria Anton Bawono Ardillah, Id Fitria Rahayu Arum, Yasmine Sekar Arwendi, Deswita Fitri Asrori, Muhamad Badara Shofi Dana Churun, Aurya Cindy Thalia Kristy Citra Mulya Sari Citra Sarasmitha Deby Kusuma Atmaja Dede Nurohman Drastiana, Tiyas Hendrik Wana Putra Pratama Imanurrovi, Fithrotul Indraswari, Kesy Khoir Umi Laksana Lativa Hartiningtyas M Syahru Tsani Syafiq Nuruddin Mailani, Robit Altom Maridkha, Antin Mashudi Mashudi Mashudi Maslinda, Lisza May Moh. Faiz Febriansyah Nabila, Rifda Nafiah, Novia Maslihatun Nizam, Muchamad Choirul Oktavia, Nevi Rani, Pranitya Septiya Rendra Erdkhadifa Rendra Erdkhadifa Rifda Nabila Rifda Nabila Rofikhoh, Sitieoz Ely Nikmatu Rois Abin Shinta Dewi, Putri Sobir, Labib Muzaki Tiyas Drastiana Tsani Syafiq Nuruddin, Syahru Uliati Nafiah Umam, Ahmad Choirul Wahyu Dwi Warsitasari Wati, Aprilia Eka Fajar Yunastiti Purwaningsih Yunastiti Purwaningsih, Yunastiti