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All Journal Journal of Economics Research and Policy Studies
Abd Rahim
Fakultas Ekonomi Dan Bisnis, Universitas Negeri Makassar
Economics, Econometrics & Finance

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Determinan sosial-ekonomi pertumbuhan kawasan kumuh perkotaan: Analisis pengaruh urbanisasi, pengangguran, dan kemiskinanan di Kota Makassar Muhriza Ramadani; Basri Bado; Citra Ayni Kamaruddin; Regina Regina; Abd Rahim
Journal of Economics Research and Policy Studies Vol. 6 No. 2 (2026): Journal of Economics Research and Policy Studies
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/jerps.v6i2.3158

Abstract

Slum settlement growth remains a persistent challenge in developing countries, particularly in Indonesian cities experiencing rapid urbanization. Previous studies have examined urbanization, unemployment, and poverty separately as determinants of slum development, yet limited evidence exists regarding their simultaneous influence in Eastern Indonesia. This study analyzes the effects of urbanization, open unemployment, and poverty on the extent of slum settlements in Makassar City during 2015–2024. The study used a quantitative approach with secondary time-series data and multiple linear regression analysis. The findings indicate that urbanization and open unemployment positively affect slum settlement growth, while poverty has a negative effect. These results suggest that slum development dynamics are shaped not only by demographic and labor market factors but also by government interventions that improve settlement conditions. Therefore, sustainable slum reduction requires integrated policies focusing on urbanization management, employment creation, poverty alleviation, and the provision of adequate housing and urban infrastructure.
Determinan penyaluran kredit pada perbankan Danantara di Indonesia Nurfadillah Nurfadillah; Abd Rahim; Sri Astuty; Irwandi Irwandi; Muhammad Syafri
Journal of Economics Research and Policy Studies Vol. 6 No. 2 (2026): Journal of Economics Research and Policy Studies
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/jerps.v6i2.3213

Abstract

This study evaluates the impact of Third-Party Funds (TPF), Non-Performing Loans (NPL), interest rates, and inflation on credit distribution in Danantara Indonesia Banking from 2015 to 2024. The study employs a quantitative approach using panel data regression. The data were obtained from secondary sources, including the annual reports of Bank BRI, BNI, Mandiri, BTN, and BSI, as well as publications from Bank Indonesia. The results show that Third-Party Funds and interest rates have positive and significant effects on credit distribution. Inflation has a negative and significant effect, while Non-Performing Loans have a negative but insignificant effect. Overall, the selected banking and macroeconomic variables substantially explain variations in credit distribution. These findings indicate that funding capacity and interest rate conditions play important roles in determining credit distribution, while inflation may constrain lending activity. The results highlight the importance of strengthening funding capacity and maintaining appropriate interest rates to support sustainable credit distribution in the banking sector.
Co-Authors Basri Bado Citra Ayni Kamaruddin Irwandi Irwandi Muhammad Syafrie Muhriza Ramadani Nurfadillah Nurfadillah Regina Regina Sri Astuty