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INDONESIA
J-MACC : Journal of Management and Accounting
Published by Universitas Islam Darul Ulum
ISSN : 26206951     EISSN : 26209756     DOI : -
Core Subject : Economy, Science, Education,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Other
Arjuna Subject : -
Articles 15 Documents
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Search results for , issue "Vol 7 No 1 (2024): April" : 15 Documents clear
AN ASSESSMENT OF THE MACROECONOMIC DETERMINANTS OF DEMAND FOR LIFE INSURANCE PRODUCTS: EMPIRICAL FROM NIGERIA Adedeji Daniel Gbadebo
J-MACC Vol 7 No 1 (2024): April
Publisher : Fakultas Ekonomi Universitas Islam Darul Ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/j-macc.v7i1.9352

Abstract

Life insurance also serves as a social mechanism for covering expenses related to death and supporting dependents. This study aimed to explore how national income, inflation rates, real interest rates, life expectancy, and dependency ratios influence the demand for life insurance products in Nigeria. A fixed effect model was fitted on sourced data over the period from 1980 to 2023. The paper finds that a positive but statistically insignificant relationship with life insurance demand was observed, indicating a weak impact. Both variables did not significantly affect life insurance demand, supporting the hypothesis that these economic factors have minimal influence. A significant positive relationship with life insurance demand was found. This suggests that as life expectancy increases, so does the demand for life insurance, highlighting the importance of long-term financial planning. A significant negative relationship with life insurance demand was identified, indicating that a higher ratio of dependents to income earners results in lower demand for insurance products. These findings provide a nuanced understanding of the determinants of life insurance demand in Nigeria, emphasizing the varying impacts of socio-economic and demographic factors.
STRATEGI PEMASARAN, MODAL USAHA DAN TEKNOLOGI BUDIDAYA TERHADAP PENINGKATAN PENDAPATAN PETAMBAK UDANG VANAME DI KECAMATAN TURI LAMONGAN Imtinan Widhah Kumala
J-MACC Vol 7 No 1 (2024): April
Publisher : Fakultas Ekonomi Universitas Islam Darul Ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/j-macc.v7i1.9591

Abstract

Indonesia's aquaculture sector continues to play a strategic role in enhancing coastal community welfare, particularly through the cultivation of vannamei shrimp (Litopenaeus vannamei). In recent years, Lamongan Regency—specifically Turi District—has emerged as a prominent shrimp farming center in East Java. However, the physical expansion of shrimp farming has not been matched by a significant improvement in the income of small and medium-scale farmers. This study aims to examine the effect of marketing strategies, business capital, and cultivation technology adoption on farmers' income in vannamei shrimp farming. The research uses an explanatory approach involving 73 respondents selected through purposive sampling. Data were collected via structured questionnaires and analyzed using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method through SmartPLS 3. The results show that all independent variables have a significant effect on income, both partially and simultaneously. Business capital has the most dominant influence (β = 0.379), followed by marketing strategy (β = 0.341), and cultivation technology (β = 0.312). The model explains 65.2% of the variance in income (R² = 0.652). This study contributes to the literature by integrating marketing, financial access, and technology variables within a localized aquaculture development model. The findings are expected to inform regional policy planning to improve the productivity and welfare of small-scale shrimp farmers.
THE IMPACT OF CORPORATE RISK GOVERNANCE AND INVESTMENT DECISION ON ASSET AND EQUITY RETURNS OF NIGERIAN NON-LIFE INSURANCE FIRMS Taiwo A Muritala
J-MACC Vol 7 No 1 (2024): April
Publisher : Fakultas Ekonomi Universitas Islam Darul Ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/j-macc.v7i1.11061

Abstract

This study examines the impact of risk management and investment practices on the financial performance of non-life insurance companies in Nigeria, using a panel data set of ten selected firms from 2009 to 2022. Employing descriptive statistics, unit root tests, correlation analysis, and panel regression models, the study investigates the relationships between risk management practices (RM), investment practices (IP), and key financial performance indicators, namely Return on Assets (ROA) and Return on Equity (ROE). The results indicate that risk management practices do not have a statistically significant effect on either ROA or ROE, while investment practices are significantly negatively related to ROA, highlighting the potential risks associated with aggressive investment strategies. These findings underscore the need for context-specific risk governance and prudent investment policies within the Nigerian insurance sector to enhance financial stability and performance. The study contributes to the understanding of financial performance determinants in emerging markets and offers policy implications for regulators and insurance firms aiming to strengthen operational efficiency and shareholder value.
UNPACKING FINANCIAL INCLUSION AS A CATALYST FOR ECONOMIC TRANSFORMATION: EVIDENCE FROM NIGERIA’S BANKING AND MOBILE FINANCE EVOLUTION Kayode David Kolawole
J-MACC Vol 7 No 1 (2024): April
Publisher : Fakultas Ekonomi Universitas Islam Darul Ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/j-macc.v7i1.11778

Abstract

The research study aimed at examining the impact of financial inclusion on economic growth in Nigeria. The study made use of secondary data that was sourced from the central bank statistical bulletin from 1987 to 2021. the study employed Autoregressive Distributed Lag method of analysis to estimate the data. The findings showed that, agent banking, mobile banking, financial services and money management 19.093214, 22.21476, 11.87068 and 2.784910 have significant impact on the gross domestic product. The study concludes that financial inclusion has positive impact on economic growth. The study therefore recommended that, CBN should direct its policy towards increasing the number of agent banks, especially to rural areas of the economy as millions of Nigerians living in rural areas have no access to basic banking services. CBN should collaborate with banks to ensure development of mobile banking applications that can be used on all mobile and telecommunication devices. It is also recommended that apart from directing policies to those inclusion variables that have positive effect on economic growth in Nigeria, government should establish regulatory frameworks that will ensure introduction of low cost and innovative products. Lastly, the government should engage in grass-root education on financial products through SMEs and other channels to increase financial literacy.
EFFECT OF MICRO-ENTREPRENEURSHIP ON HOUSEHOLD POVERTY LEVEL: EVIDENCE FROM NIGERIA Kamaldeen Ibraheem Nageri
J-MACC Vol 7 No 1 (2024): April
Publisher : Fakultas Ekonomi Universitas Islam Darul Ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/j-macc.v7i1.11781

Abstract

Nigeria's high rates of poverty, unemployment, and poor income continue to be a major cause of worry. Despite the implementation of various entrepreneurial efforts by government and non-governmental organizations, income remains low, which is exacerbated by the country's high percentage of young unemployment. While previous research has looked at the function of entrepreneurship in raising welfare and boosting shared prosperity, the intervening role of income in these relationships has gotten less attention, especially in the context of primary data analysis. This prompted this study to examine the impact of micro-entrepreneurship on income generation in the Ilorin, as a case study. During the investigation, data was collected at random from 430 entrepreneurs. Using cross-tabulation and the chi-square statistic. The researchers discovered a positive but inconsequential relationship between micro-entrepreneurship and revenue production. This may be explained by the fact that 42% of the 291 entrepreneurs that are regarded innovators have a modest income. The findings of this research show that when the government provides appropriate financing to stimulate entrepreneurship and the inventive spirit, it generates more income and helps to reduce poverty. The study provides data to corroborate the literature, emphasizing the favorable impact of appropriate entrepreneurial funding on revenue growth. It was shown that most of the entrepreneurs surveyed focused on the issue of insufficient funding. This has constrained entrepreneurs' creativity and innovation, forcing them to operate on a small scale with minimal profits.

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