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Arif Dwi Hartanto
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INDONESIA
Journal of Regional Economics Indonesia
Published by Universitas Merdeka Malang
ISSN : -     EISSN : 27235769     DOI : 10.26905/jrei
Core Subject : Economy,
Economics, Econometrics & Finance
The Journal of Regional Economics Indonesia welcomes studies on the themes of development economics, especially those concerning four main issues, namely: (i) regional finance; (ii) banking; (iii) human resources; and (iv) regional / spatial economics. These four issues are obtained through empirical writing and ideas (literature review). The main objective is to provide a sharp analytical related to efforts to develop development economics. The objectives of the journal are expected to be able to contribute to the literature as well as practically.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 98 Documents
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Navigating Halal Consumption in the Digital Era: The Interplay of Self-Control, Financial Resources, and Promotional Triggers in Skincare Purchase Decisions Auliya Shalha Nasution; Isnaini Harahap; Tri Inda Fadhila Rahma
Journal of Regional Economics Indonesia Vol. 7 No. 2 (2026): Agustus 2026
Publisher : University Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jrei.v7i2.17603

Abstract

The rapid growth of digital commerce has transformed consumer purchasing behavior, particularly in the halal skincare market. This study examines the effects of self-control, financial resources (allowance), and double-date promotional events on halal skincare purchase decisions, while assessing the mediating role of consumption behavior. Grounded in the Theory of Planned Behavior, data were collected from 389 female students at Universitas Islam Negeri Sumatera Utara and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings indicate that self-control, allowance, and double-date promotional events significantly influence halal skincare purchase decisions. However, consumption behavior does not mediate the relationships between these determinants and purchasing decisions. The results suggest that both individual self-regulation and external promotional stimuli directly shape halal consumption choices in digital marketplaces. This study contributes to the halal consumer behavior literature by extending understanding of purchase decision drivers beyond religious considerations and offers practical implications for halal skincare marketers operating in e-commerce environments.
Bridging Technology Adoption and Islamic Philanthropy: Examining the Roles of E-Wallet Usage, Income, and Institutional Communication in Generation Z's Zakat Payment Decisions Vivi Amelia Dabariba; Juliana Nasution; Muhammad Syahbudi
Journal of Regional Economics Indonesia Vol. 7 No. 2 (2026): Agustus 2026
Publisher : University Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jrei.v7i2.17515

Abstract

The digital transformation of financial services has reshaped the practice of Islamic philanthropy, particularly among Generation Z. However, limited studies have simultaneously examined the roles of financial technology adoption, economic capacity, and institutional communication in influencing digital zakat behavior. This study investigates the effects of e-wallet usage, income, and zakat institutions’ marketing communication on decisions to pay zakat, infaq, and sadaqah (ZIS) among Generation Z in Kisaran City, Indonesia. Using a quantitative approach, data were collected from 100 respondents through a structured questionnaire and analyzed using multiple linear regression. The findings reveal that e-wallet usage, income, and marketing communication each exert a positive and significant influence on ZIS payment decisions. Income emerged as the strongest predictor, followed by e-wallet usage and institutional communication. Collectively, these variables explain 80.5% of the variance in payment decisions. The study contributes to the literature on digital Islamic philanthropy and provides strategic insights for zakat institutions seeking to enhance digital fundraising among younger generations.
From Skepticism to Trust: How Female Agents Drive Sharia Life Insurance Adoption Through Relational Capital in an Emerging Islamic Financial Market Rifanny Balqis; Waizul Qarni; Ahmad Riadi Daulay
Journal of Regional Economics Indonesia Vol. 7 No. 2 (2026): Agustus 2026
Publisher : University Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jrei.v7i2.17516

Abstract

The growth of the sharia life insurance industry continues to face challenges arising from low financial literacy and persistent public skepticism, making trust a critical determinant of market expansion. This study investigates how female agents contribute to trust formation and the development of sharia life insurance in Medan, Indonesia. Using a qualitative phenomenological approach, data were collected through in-depth interviews, observations, and documentation involving ten female agents from various sharia life insurance companies. The findings reveal that female agents leverage relational communication, empathy, and sharia literacy education to reduce customer resistance and foster trust. Their role extends beyond product marketing to serving as trusted advisors who clarify the principles of ta’awun, risk-sharing, contract transparency, and claims certainty. The study further identifies female relational capital as a key mechanism through which trust is constructed and sustained. These findings contribute to the literature on Islamic financial services by highlighting the strategic role of gender-based relational capabilities in enhancing financial inclusion and strengthening trust within sharia insurance markets.
Digital Pilgrimage Adoption in the Emerging Umrah Market: Examining the Roles of Perceived Risk, Price Value, and Platform Usability in Shaping Independent Umrah Intentions: Ananda Zulmi; Muhammad Ikhsan Harahap; Purnama Ramadani Silalahi
Journal of Regional Economics Indonesia Vol. 7 No. 2 (2026): Agustus 2026
Publisher : University Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jrei.v7i2.17517

Abstract

The rapid digitalization of pilgrimage services has transformed the way prospective Muslims organize Umrah, enabling greater autonomy through online platforms. This study investigates the effects of perceived risk, price perception, and online application usability on the intention to perform independent Umrah in Batu Bara Regency, Indonesia. Drawing upon the Theory of Planned Behavior, a quantitative survey was conducted among 100 respondents selected through purposive sampling. Data were analyzed using multiple linear regression. The findings reveal that perceived risk does not significantly influence independent Umrah intention. In contrast, price perception and online application usability exert positive and significant effects on behavioral intention. Simultaneously, the three variables significantly explain variations in intention, highlighting affordability and digital convenience as key determinants of independent Umrah adoption. These findings extend the understanding of consumer behavior within the emerging digital pilgrimage ecosystem and suggest that technology-enabled accessibility and transparent pricing are more influential than risk perceptions in shaping independent Umrah intentions. The study offers practical implications for policymakers and digital Umrah service providers seeking to enhance user engagement and support the growth of independent pilgrimage services.
Beyond Capital Accumulation: Investment, Islamic Finance, and Labor Force Participation as Drivers of Regional Economic Growth in Indonesia Gunawan Prasetio; Isnaini Harahap; Aqwa Naser Daulay
Journal of Regional Economics Indonesia Vol. 7 No. 2 (2026): Agustus 2026
Publisher : University Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jrei.v7i2.17607

Abstract

Regional disparities in economic growth across Indonesian provinces highlight the need to identify key drivers of inclusive and sustainable development. This study examines the effects of investment, Islamic financing, and labor force participation rate (LFPR) on regional economic growth across 34 Indonesian provinces during 2020–2025. Using balanced panel data obtained from Statistics Indonesia (BPS), the Financial Services Authority (OJK), and the Investment Coordinating Board (BKPM), the analysis employs a Fixed Effects Model selected through Chow and Hausman tests. The findings reveal that investment and Islamic financing exert positive and statistically significant effects on regional economic growth, with investment emerging as the most influential determinant. In contrast, LFPR shows a negative but statistically insignificant relationship, suggesting that labor quantity alone is insufficient to stimulate growth without improvements in productivity and formal-sector absorption. Collectively, the three variables significantly explain regional growth dynamics. These findings underscore the importance of strengthening productive investment, expanding access to Islamic finance, and enhancing labor quality to achieve more balanced and sustainable regional development in Indonesia.
Public Legitimacy, Governance, and Halal City Development: Empirical Evidence from Indonesia Khalid Rahman; Albar Adetary Hasibuan; Abdul Madjid; Lutfi Asnan Qodri; Sahril Kamal
Journal of Regional Economics Indonesia Vol. 7 No. 2 (2026): Agustus 2026
Publisher : University Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jrei.v7i2.17685

Abstract

The concept of a Halal City has emerged as an important strategy for enhancing halal tourism, urban development, and community welfare in Muslim-majority regions. Despite increasing policy interest, limited empirical evidence exists regarding public perceptions of Halal City initiatives at the local level. This study examines community perceptions of the Halal City concept in Malang City, Indonesia, and evaluates the influence of government regulations, policy implementation, policy evaluation, and community expectations on public understanding of Halal City development. Using a quantitative survey approach and Structural Equation Modeling (SEM), data were collected from residents of Malang City. The findings reveal that policy implementation and community expectations significantly influence public perceptions, whereas government regulations alone have a relatively limited effect. The results indicate that public acceptance of Halal City initiatives depends largely on effective implementation and stakeholder engagement. This study contributes to the growing literature on halal urban governance and provides practical insights for policymakers in promoting inclusive and sustainable Halal City development.
Beyond the Environmental Kuznets Curve: The Moderating Role of Governance Quality in the Economic Growth–Deforestation Nexus across ASEAN Economies Siti Nur Ainiyah; Niniek Imaningsih
Journal of Regional Economics Indonesia Vol. 7 No. 2 (2026): Agustus 2026
Publisher : University Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jrei.v7i2.17687

Abstract

Deforestation remains a critical environmental challenge in ASEAN amid rapid economic expansion and increasing trade integration. This study investigates the effects of economic growth and trade openness on deforestation and examines whether governance quality moderates these relationships in five ASEAN countries (Indonesia, Malaysia, Thailand, Vietnam, and the Philippines) during 2002–2023. Using panel data analysis, the Fixed Effects Model (FEM) and Moderated Regression Analysis (MRA) are employed to test the Environmental Kuznets Curve (EKC) hypothesis and the moderating role of governance. The results reveal that economic growth and trade openness significantly influence deforestation. The estimated relationship between economic growth and deforestation follows a U-shaped pattern, indicating that the EKC hypothesis is not supported in the ASEAN context. While governance quality has no significant direct effect on deforestation, it significantly moderates the impacts of economic growth and trade openness, functioning as a pure moderator. These findings highlight the pivotal role of governance in shaping environmental outcomes and underscore the importance of strengthening institutional quality to achieve sustainable development in ASEAN.
From Information Portals to Intelligent Governance: Public Value Creation through Generative AI Chatbots in Rural Indonesia Thomas Soseco; Agus Sumanto; Inayati Nuraini Dwiputri; Lustina Fajar Prastiwi; Lutfi Asnan Qodri; Adamu Ahmed Wudil
Journal of Regional Economics Indonesia Vol. 7 No. 2 (2026): Agustus 2026
Publisher : University Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jrei.v7i2.17718

Abstract

The digital transformation of rural governance remains constrained by limited access to public information and the predominance of passive digital platforms. While village websites have improved information dissemination, their capacity to support interactive and citizen-centred service delivery remains limited. This study develops and implements a generative AI-powered chatbot integrated into the official website of Srigonco Village, Indonesia, to enhance public service accessibility and administrative efficiency. Adopting a Design Science Research (DSR) approach, the study involved needs assessment, knowledge-base development, chatbot design, website integration, testing, and evaluation. The chatbot combines a structured village knowledge base with Large Language Model (LLM) capabilities to provide real-time information on population administration, public services, social assistance, health programs, and village regulations. Findings indicate that the chatbot improves information accessibility, standardises responses to routine inquiries, reduces administrative workload, and strengthens citizen engagement. The study contributes to the digital governance literature by demonstrating how generative AI can create public value and support inclusive, citizen-centred service delivery in rural communities.

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