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All Journal Jurnal Ekonomi Indonesia CSID Journal of Infrastructure Development
Lutfiyah, Dinda
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Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Engineering Social Sciences

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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.
Participatory in Kampung’s Co-Housing Development: Learning From Kampung Muka, North Jakarta Lutfiyah, Dinda; Herlily, Herlily
CSID Journal of Infrastructure Development Vol. 2, No. 1
Publisher : UI Scholars Hub

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Abstract

Since its first appearance in Denmark in 1960s (Vestbro, 1992), co-housing communities responded basic needs for residents with a combination of fulfilment of individual privacy and the benefit of community life (McCamant, 1999). Kampung Muka as one of community indirectly has implemented some of co-housing principles according to local context. Participation in community life becomes in a form of participatory value which is one of the co-housing principles. Forth, this form of participatory is being learned on how its application and the impact of negotiating spaces in Kampung Muka. This writing aims to redefined co-housing concept according to the local context in Jakarta and expected to be able to suggest new understanding to the society about co-housing concept according to the local context.
Co-Authors Bambang Juanda Herlily, Herlily Setyowawan, Dwi Widodo, Kharisma Dwi