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Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Published by Universitas Jambi
ISSN : 23384603     EISSN : 23558520     DOI : https://doi.org/10.22437/ppd.v10i2.15630
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah (The Journal of Perspectives on Financing and Regional Development) is an open-access, peer-reviewed international forum for scientists involved in research to publish high quality and refereed papers. Jurnal Perspektif Pembiayaan focuses on publishing theoretical and empirical papers in all fields of economics, business, and management. The journal accepts a variety of papers using a variety of research methods, including statistical analysis, case studies, and field research, articles examining significant research questions from multiple perspectives. In its sixth year (Volume 6), the Journal of Perspectives on Financing and Regional Development has three fundamental changes. First, this journal was originally published four times a year and now has been published six times a year. Second, the journal has been nationally accredited with a SINTA (Science and Technology Index) score of S4 which is valid from 9 July 2018 – 8 July 2023 based on the Decree of the Director-General of Development and Research Enhancement, Ministry of Research, Technology & Higher Education of the Republic of Indonesia, Number 21/E/KTP/2018 concerning the Ranking of Scientific Journal Accreditation Period I Year 2018. Third, based on the results of re-accreditation, since Volume 6, Issues 2 (September – October 2018), the Journal of Perspectives on Financing and Regional Development has been nationally accredited with SINTA (Science and Technology Index) score of S2, based on the Decree of the Director-General of Development and Research Enhancement, Ministry of Research, Technology & Higher Education of the Republic of Indonesia, Number 10/E/KTP/2019 concerning the Ranking of Scientific Journal.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 433 Documents
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How liquidity, profitability, and leverage ratios influence financial distress: A study on Indonesian mining firms Arifuddin Arifuddin; Erwin Hadisantoso; Ika Maya Sari; Annisa Fitrah Yulianti
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 11 No. 3 (2023): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Publisher : Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/ppd.v11i3.27470

Abstract

This study investigates the impact of liquidity, profitability, and leverage ratios on financial distress in mining companies listed on the Indonesia Stock Exchange. It posits that higher liquidity in a company correlates with reduced financial distress. The research encompasses eight mining companies observed from 2016 to 2020. Purposive sampling was employed to select a sample of eight companies meeting specific criteria. The study utilizes multiple linear regression analysis as its analytical approach. The findings, significant at the 5% level, reveal that liquidity, profitability, and leverage ratios collectively exert a substantial influence on financial distress, accounting for 85.3% of the variance in the dependent variable. Specifically, the study concludes that: 1) Liquidity has a significant negative effect on financial distress, 2) Profitability also demonstrates a significant negative impact on financial distress, and 3) Leverage exhibits a significant positive effect on financial distress.
The influence of financial development on total fertility rate in Indonesia Afriska, Rosa; Nugroho, Ris Yuwono Yudo
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 11 No. 6 (2024): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Publisher : Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/ppd.v11i6.28113

Abstract

This study investigated the impact of financial development on the total fertility rate in Indonesia, hypothesizing that financial development significantly influences fertility rates. The objective was to ascertain the effects of financial development on Indonesia's total fertility rate, utilizing annual time series data from 1980 to 2021 obtained from the official websites of Bank Indonesia, the Central Bureau of Statistics, and the World Bank. The analysis employed the Autoregressive Distributed Lag (ARDL) method to examine the influence of the money supply in circulation (M2), Gross Domestic Product, and household consumption on the total fertility rate, with these variables serving as proxies for financial development. The study utilized a comprehensive data analysis approach, including stationary tests, cointegration bound tests, ARDL Model analysis for long-term and short-term effects, and classical assumption tests. The findings revealed that the money supply (M2) has a negative and significant impact on the total fertility rate, the Gross Domestic Product also negatively and significantly affects the total fertility rate, while household consumption positively and significantly influences the total fertility rate. These results underscore the multifaceted relationship between financial development and fertility trends in Indonesia.
Development strategies for creative small and medium enterprises (SMEs): A Quintuple Helix Model approach to support smart city initiatives Dahmiri Dahmiri; Idham Khalik; Rizky Azika Ramadhan
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 11 No. 3 (2023): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Publisher : Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/ppd.v11i3.28399

Abstract

This study explores the development of Creative Small and Medium-Sized Enterprises (SMEs) in the food, textile, and handicraft sectors in Jambi City, employing the quintuple helix model to align with the Smart City concept. The research gathered primary data through surveys, interviews, and focused group discussions (FGDs). The study encompassed a diverse range of stakeholders from the specified sectors, with a sample size of 100 individuals. A mixed-method research approach was adopted, integrating both qualitative and quantitative methods. Analytical tools such as the Likert scale, SWOT analysis, and the quintuple helix model were employed for data analysis and interpretation. The findings reveal that many participants in these sectors were women, predominantly with high school-level education. The age group of 46-55 years was most represented among the respondents. Notably, the food sector emerged as the dominant industry among the studied SMEs, attributed to its relative ease of establishment and cost-effectiveness compared to the textile and handicraft sectors. The study also examined the perceptions of the roles of quintuple helix actors (government, academia, industry, society, and social environment) in the development of these SMEs. The findings indicate a generally positive perception, suggesting effective fulfillment of roles by these actors. This collaborative effort within the quintuple helix framework has positively impacted the development of creative SMEs in Jambi City, contributing significantly to the Smart City initiative. The study underscores the importance of such collaboration in fostering the growth and sustainability of creative SMEs in the context of urban development.
Impact of trade facilitation on intra-manufacturing export among ECOWAS member states Adeyinka, Olure-Bank; Muktar, Mustapha; Zakaree , Saheed; Abraham, Alexander; Yakubu, Alfa
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 11 No. 6 (2024): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Publisher : Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/ppd.v11i6.28466

Abstract

This study investigates the effects of trade facilitation policies on intra-manufacturing exports among ECOWAS member states. Utilizing the Generalized Method of Moments (GMM) linear model, this research analyzes data from 2015–2020 for the ECOWAS member states. The findings reveal that trade facilitation policies in the ECOWAS region fall below the global average. This discrepancy is primarily due to the extensive bureaucratic processes in the region, leading to increased costs for exporting and importing goods. Consequently, there is a significant need for trade facilitation to enhance intra-manufacturing exports within ECOWAS. Based on these insights, the study recommends several policy interventions to improve trade flow and bolster intra-manufacturing exports in the ECOWAS region. These include a stronger commitment to trade agreements among ECOWAS member states, the adoption of information and communication technology (ICT) to streamline trade processes and reduce bureaucratic delays associated with document processing for exports and imports, the strengthening of institutional frameworks within the member states, and the formulation of policies aimed at increasing industrialization levels to enhance manufacturing exports throughout the ECOWAS region.
Can fiscal transfers effectively reduce poverty in the Gorontalo Province? Arham, Muhammad Amir; Humalanggi, Mahyudin; Tantawi, Rezkiawan; Kusuma, Citra Aditya
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 11 No. 6 (2024): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Publisher : Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/ppd.v11i6.28489

Abstract

The central government has increasingly diversified and expanded fiscal transfers to local authorities to enhance community welfare rapidly. However, in Gorontalo, although poverty rates have declined, the pace of reduction has slowed despite an increase in the value of transfers. This study aims to identify the fiscal transfer mechanisms most effective in reducing Gorontalo's poverty rate. It focuses on several types of fiscal transfers, including the Special Allocation Fund (DAK), Village Fund Allocation (ADD), Family Hope Program (Program Keluarga Harapan, PKH), Smart Indonesia Program (Program Indonesis Pintar, PIP), and Social Assistance. Utilizing panel data regression analysis covering all six districts/cities in Gorontalo Province over the last five years (2018-2022) and employing the Fixed Effects Model (FEM), the findings suggest that PIP assistance has the most significant impact on poverty reduction, although its effects are more long-term. Moreover, the study finds that while ADD transfers notably enhance community welfare, the two-decade-long DAK transfers have inadvertently worsened poverty levels in Gorontalo. This issue stems from the DAK's allocation formula, which does not directly target the income improvement of low-income populations. Both PKH and Social Assistance have shown little positive effect on poverty alleviation in the region. Consequently, the study recommends that the government prioritize expanding and funding enhancement of PIP assistance, considering many underprivileged individuals remain unreached by this support. Additionally, it suggests increasing the ADD to accelerate development in poverty-stricken rural areas.
Empowering housewives through green marketing: Fostering eco-friendly household products for sustainable consumption Sriayudha, Yayuk; Octavia, Ade; Simatupang, Johannes; Lubis, Tona Aurora
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 11 No. 6 (2024): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Publisher : Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/ppd.v11i6.28614

Abstract

The escalating concern over the green gap phenomenon, which underscores a discord between consumers' environmental concerns and purchasing behaviours, has accentuated the importance of exploring eco-friendly consumption patterns. This study delves into the multifaceted factors influencing the purchasing behaviour of eco-friendly household products, focusing on the dynamic interplay among consumer knowledge, values, subjective norms, and perceived behavioural control. Specifically, it aims to elucidate how these variables collectively inform housewives' attitudes towards eco-friendly products and purchasing behaviours. The research gathered data from 300 respondents across Jambi City and Sungai Penuh City within Jambi Province, employing principal component analysis and structural equation modelling to scrutinize the hypothesized relationships between the constructs. The findings underscore consumer values, subjective norms, and perceived behavioural control significantly and positively influence consumer attitudes towards eco-friendly household products. Moreover, a pronounced positive correlation between consumer attitudes and eco-friendly purchasing behaviour was identified, whereas the impact of consumer knowledge on consumer attitudes emerged as negligible. This research enriches the theoretical discourse on eco-friendly purchasing behaviour, particularly concerning household products. It offers critical insights for marketers, policymakers, and environmental advocates aiming to foster sustainable consumption practices by pinpointing the pivotal factors that shape consumer attitudes and behaviours. Additionally, the study lays a robust groundwork for subsequent research endeavours to bridge the green gap and advance environmental sustainability through enlightened consumer decisions.
How accurate is the CAPM approach compared to the Reward Beta for shares of manufacturing and mining companies in Indonesia's LQ45 Index? Handri Handri
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 11 No. 3 (2023): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Publisher : Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/ppd.v11i3.28904

Abstract

This study evaluates the efficacy of the Capital Asset Pricing Model (CAPM) and Beta Reward Model in forecasting stock returns of companies within the manufacturing and mining sectors listed on Indonesia's LQ45 index. Utilizing monthly closing stock prices from January 2010 to December 2019, the research focuses on ten companies—five from each sector—that consistently appeared in the index throughout the study period. The analysis involves a classic assumption test followed by regression analysis for each company. Key performance indicators, including R-squared, Root Mean Square Error (RMSE), and Mean Absolute Error (MAE), are employed to compare the predictive capabilities of the CAPM and Beta Reward Model. The findings indicate a systematic and superior performance of the Beta Reward Model over the CAPM in predicting stock returns in the Indonesian context. This study contributes to the existing literature on stock return prediction models and provides practical insights for investors and financial analysts in Indonesia.
Women's entrepreneurial competence within a patriarchal social system Hilmiana Hilmiana; Devi Alviani
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 11 No. 3 (2023): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Publisher : Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/ppd.v11i3.29127

Abstract

Women in patriarchal social systems face various challenges that affect their economic access and hinder their empowerment. This research aims to identify the competencies required by women to thrive within a patriarchal social system, reduce gender disparities, and promote empowerment in various aspects of life. This research utilized secondary data from the Scopus database and applied a document study method. Keywords used for the search included "women competence," "women skills," "women entrepreneur skills," "entrepreneurial competencies," and "entrepreneur competence." After filtering, 31 articles were selected for analysis. The analysis used the Miles and Huberman model, including reduction, data analysis, and conclusion. The findings indicate that to address the challenges of patriarchy and achieve empowerment, women need to develop multidimensional competencies involving entrepreneurial skills, commitment, high-level conceptual abilities, recognition of opportunities, organization, relationships, strategic thinking, and marketing. The challenges of norms and gender expectations in patriarchal societies become obstacles that need to be overcome by educating the community about the vital role of women and the competencies required in SMEs (Small and Medium Enterprises). Innovation, creativity, and innovative marketing strategies are key to success, while support and networks from stakeholders can provide valuable boosts.
Deciphering the dynamics of financing choices in Indonesian micro-industries: An empirical analysis of internal and external sources Sofia, Myrna
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 12 No. 1 (2024): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Publisher : Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/ppd.v12i1.20146

Abstract

This study analyzes micro-industry characteristics influencing their choice between internal (own capital) and external financing sources (venture capital, banks, and others). A sample size of 83,616, derived from the BPS Survey, was employed for this purpose. Logistic regression analysis was utilized to address the research questions. The findings suggest that own capital financing predominantly supports micro-industries that are small in scale, possess a low business entity status, have mature owner age, have owners with higher educational backgrounds, and exhibit minimal innovation. Conversely, venture capital financing is more inclined towards larger micro-industries with increasing maturity and more innovations. Bank financing is typically allocated to younger micro-industries with higher business entity status, younger owners, lower income, and those incorporating internet usage. Other forms of capital financing are more likely to be selected by micro-industries with owners who have a lower educational background. The characteristics of micro-industries significantly enhance the probability of opting for bank financing. The educational background of the owner is a critical factor in choosing one's own capital and venture capital financing. In contrast, the size of the micro-industry plays a pivotal role in selecting bank and other capital financing.
The role of bank and startup fintech P2P lending in supporting financial credit for Indonesian farmers Aziz, Subkhi Abdul; Jayanti, Ria; Dinaseviani, Anggini
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 12 No. 1 (2024): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Publisher : Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/ppd.v12i1.23575

Abstract

One of the challenges faced by farmers is securing capital for the development of their agricultural businesses. Banks and peer-to-peer (P2P) lending fintech startups employ various business models to assist farmers in obtaining the necessary capital. This study investigates the credit financing schemes available to farmers through banks and P2P lending fintech startups. The research, which utilized a qualitative approach, involved collecting both primary and secondary data. Primary data were gathered through comprehensive interviews with two academic experts in the agricultural business sector and five leaders of agri-tech startup companies. Secondary data included: (1) annual financial reports from BRI, Mandiri, and BNI; (2) statistical reports on P2P lending providers from the Financial Services Authority (OJK); and (3) models of financing schemes for farmers derived from a range of empirical sources. A descriptive analysis was subsequently conducted to explore the various financing schemes available to farmers through banks and P2P lending fintech startups, as well as to assess the performance of these financing programs via data on the rate of non-performing loans (NPLs). The findings indicate that the financing schemes implemented by banks predominantly focus on economic factors to facilitate loan repayment. In contrast, P2P lending fintech startup schemes emphasize both economic and social aspects, including enhancing farmers' knowledge in implementing Good Agricultural Practices (GAP) and improving financial literacy, aiming to ensure smooth loan repayments. Furthermore, the study observed an increase in the value of Non-Performing Loans (NPL) among both banks and P2P lending fintech startups during the Covid-19 pandemic.

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