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All Journal Jurnal Ilmiah Hijau Cendekia Ijtimā`iyya: Journal of Muslim Society Research
Hikmah, Maulia
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Humanities Earth & Planetary Sciences Social Sciences

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THE EFFECT OF FARMERS’ MOTIVATION ON WILLINGNESS TO CONTINUE ORGANIC FARMING IN BANTUL, INDONESIA Arum, Mutiarra Ridyo; Arbianti, Arbianti; Hikmah, Maulia
Jurnal Ilmiah Hijau Cendekia Vol 10 No 1 (2025): Jurnal Ilmiah Hijau Cendekia
Publisher : Universitas Islam Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32503/hijau.v10i1.6821

Abstract

Bantul Regency is one of the central areas of organic farming in the Daerah Istimewa Yogyakarta Province. However, its development has slowed down and often ends with a switch back to conventional farming systems. This study aims to determine how motivation influences the willingness to continue (WTC) to continue organic farming in Bantul Regency. The location in Bantul Regency was purposively selected based on the potential for organic farming development, using non-probability techniques we used questionnaires to collect data among 42 participants and in-depth interviews with three key informants. The ERG theory is used as an approach to complement three important variables, namely existence, relatedness, and growth, then analysed using PLS-SEM. These findings indicate that farmers' decisions to continue (WTC) organic farming are influenced not only by fulfilling basic needs or incentives (existence) but also by their psychosocial drive (growth). Meanwhile, external influences (relatedness) are not significant in motivating farmers to sustain organic farming practices. Therefore, the government should look after individual drives more than other factors and start to improve their service performance to give a better impression towards the farmers for support the success of organic farming
The Impact on Non-Performing Loans in Indonesian Commercial Banks Caused by the Covid-19 Pandemic, Inflation, BI 7-Day Repo Rate, and Credit Interest Rates Syahputri, Nisrina Anggi; Badriah, Lilis Siti; Arintoko; Hikmah, Maulia
Ijtimā iyya Journal of Muslim Society Research Vol. 10 No. 1 (2025)
Publisher : Postgraduate, State Islamic University Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ijtimaiyya.v10i1.14916

Abstract

This study aims to examine the effect of the Covid-19 pandemic, inflation, the BI 7-Day Repo Rate (BI7DRR), and Credit Interest Rates on Non-Performing Loans (NPL) at Commercial Banks in Indonesia, both partially and simultaneously. This quantitative research, which explores rare phenomena such as the ongoing Covid-19 pandemic and empirical findings that partially reject the hypothesis and the loanable funds theory, offers novelty compared to previous studies. Using secondary data from March 2020 to March 2022 obtained from Bank Indonesia, the Financial Services Authority, and the Central Statistics Agency, this study applies multiple regression analysis with SPSS for Windows, employing t-tests, F-tests, and adjusted R² to measure the impact on NPL. The results show that partially, the Covid-19 pandemic and inflation do not affect NPL, while BI7DRR has a negative effect of 0.513% and Credit Interest Rates have a positive effect of 0.367% on NPL. Simultaneously, these four variables influence NPL by 52.2%, suggesting that Ho₅ is accepted and Ha₅ is rejected, which can be attributed to government and central bank fiscal policies as well as commercial bank credit relief programs for debtors. These findings imply the need for synergy among commercial banks, the central bank, and the government to navigate macroeconomic uncertainties through careful BI7DRR adjustments, competitive lending rates, credit restructuring, and stringent debtor evaluation, while encouraging debtors to enhance productivity and make well-informed credit decisions to prevent future NPL surges.
Co-Authors Arbianti Arintoko Badriah, Lilis Siti Mutiarra Ridyo Arum Syahputri, Nisrina Anggi