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All Journal Al-bank: Journal of Islamic Banking and Finance Proceeding International Annual Conference Economics, Management, Business, and Accounting
Haura Hazimah Melzatia
Universitas Brawijaya
Religion Economics, Econometrics & Finance Social Sciences

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Digitalizing Rural Development in Indonesia: Unveiling Concepts and Strategies for Building Sustainable Digital Villages Lucky Nugroho; Haura Hazimah Melzatia; Muhammad Izzat Abidin; Erik Nugraha; Safira
Proceeding International Annual Conference Economics, Management, Business, and Accounting Vol. 1 (2023): Proceeding International Annual Conference Economics, Management, Business, and Accou
Publisher : IAEI

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Abstract

Digitalizing rural Indonesia can alter the quality of life and promote inclusive economic growth. This article discusses the importance of digital technology in rural areas, highlighting the impact of the Fourth Industrial Revolution and the COVID-19 epidemic on human behavior and the significance of ICT in modern communal life. The report emphasizes the necessity for reliable infrastructure, particularly internet networks and related technologies, to adopt ICT in rural areas. The qualitative study examines the urgency, characteristics, and growth methods of digital villages in Indonesia using current literature, official reports, and academic papers. A digital village development approach emphasizes interconnectedness, collaborative capacity building, digital integration benefits, and growth. The study examines Indonesia's digital village potential in farming, plantations, aquaculture, animal husbandry, travel, and hospitality. After examining the pros and cons of digital villages, the article emphasizes the need for a comprehensive program and policy to ensure rural digitization success. It offers practical solutions for using digital technology to overcome challenges and promote sustainable development in rural areas.
Falah Profit of Sharia Rural Banks in West Sumatra: Impact of Funding and Financing Rahmat Kurnia; Nur Avivah Maharani; Helmalia Helmalia; Gusti Dirga Alfakhri Putra; Haura Hazimah Melzatia
Al-bank: Journal of Islamic Banking and Finance Vol. 5 No. 2 (2025): July - Desember 2025
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v5i2.15261

Abstract

This study aims to examine the influence of funding and financing activities—specifically Mudharabah Savings, Mudharabah Deposits, and buying and selling transactions on the Falah Profit of Sharia Rural Banks (BPRS) in West Sumatra over the period from 2015 to 2023. Employing a descriptive quantitative methodology with panel data regression analysis, secondary data were collected from the official financial reports published on the OJK website, involving a purposive sample of 38 banks. The analysis reveals that both Mudharabah Savings and Mudharabah Deposits have a positive and statistically significant influence on Falah Profit, with regression coefficients indicating that an increase in these funding sources is associated with higher profitability. Conversely, buying and selling activities exhibit a positive but statistically insignificant effect on Falah Profit, suggesting a less direct impact in this context. The combined impact of these variables explains approximately 82.68% of the variation in Falah Profit, illustrating their substantial role in shaping bank performance. These findings imply that strategic enhancement of Mudharabah-based funding mechanisms can effectively boost profitability, contributing to the stability and growth of Sharia banking institutions in the region. The study thus emphasizes the importance of Islamic financial products and funding schemes in driving sustainable bank performance aligned with Sharia principles
Co-Authors Erik Nugraha Gusti Dirga Alfakhri Putra Helmalia Helmalia Lucky Nugroho Muhammad Izzat Abidin Nur Avivah Maharani RAHMAT KURNIA Safira Safira