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All Journal Jurnal Ekonomi Indonesia
Lutfiyah, Dinda
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Economics, Econometrics & Finance

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Digital rupiah: Are Indonesians ready? Widodo, Kharisma Dwi; Juanda, Bambang; Setyowawan, Dwi; Lutfiyah, Dinda
Jurnal Ikatan Sarjana Ekonomi Indonesia Vol 14 No 2 (2025): August
Publisher : Jurnal Ekonomi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52813/jei.v14i2.556

Abstract

Bank Indonesia has attempted to calibrate its policy approach to adopting a Central Bank Digital Currency (CBDC) called Rupiah Digital through the Garuda project, as an effort to address the issue of shadow banking that has developed into a shadow currency issue and even a shadow central banking issue. This study aims to determine the characteristics of digital banking users in Indonesia regarding the use of Central Bank Digital Currency (CBDC). This study was examined using panel data regression analysis and then confirmed using Structural Equation Model-Partial Least Structural (SEM-PLS) analysis. The results show that socioeconomics (digital use), digital literacy, digital access, and digital security influence CBDC implementation in Indonesia. Furthermore, Indonesian society is ready to accept and use CBDC (r-CBDC). However, the implementation must be gradual because socioeconomics (digital use), digital literacy, digital access, and digital security in Indonesia are not evenly distributed and are still centered on the island of Java.
Underwriting performance: Foreseeing the future of sharia insurance in Indonesia Widodo, Kharisma Dwi; Lutfiyah, Dinda
Jurnal Ikatan Sarjana Ekonomi Indonesia Vol 14 No 3 (2025): English
Publisher : Jurnal Ekonomi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52813/jei.v14i3.822

Abstract

A healthy underwriting performance is crucial for the sustainability of insurance companies. Effective underwriting enables companies to accurately assess and manage risks, set fair premiums, and avoid unnecessary losses. However, studies on underwriting performance have mostly focused on company-specific factors and/or have only been conducted in developed countries. There is also a lack of specific studies on the role of underwriting performance in sharia insurance (takaful) companies. This study aims to fill that gap by conducting an in-depth analysis of the role of underwriting performance in sharia insurance companies in Indonesia. It also seeks to refine previous research by examining both the short-term and long-term roles of underwriting performance in these companies. The study uses secondary panel data with 20 sharia insurance companies as units of observation. The coefficient estimates in this study are obtained using a dynamic panel data regression approach, to determine the short-term and long-term effects of underwriting performance in sharia insurance. The estimation results of the dynamic panel regression model show that the underwriting variable has a positive and significant effect on sharia insurance premium income, both in the short term (coefficient: 0.1262; sig. 0.021) and in the long term (coefficient: 0.2009; sig. 0.010), with a convergence rate of 2.0697, indicating a relatively fast system adjustment towards equilibrium.
Co-Authors Bambang Juanda Setyowawan, Dwi Widodo, Kharisma Dwi