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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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Arisan for diversifying financing sources for micro enterprises Lubis, Tona Aurora; Firmansyah, Firmansyah; Sumarni, Sumarni; Ningsih, Maryati
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 9 No. 6 (2022): 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.v9i6.17036

Abstract

This study examines the role and impact of arisan, a widely practiced form of informal microfinance in Indonesia, in supporting micro-enterprises in Jambi City. Arisan has demonstrated significant potential to provide both financial and social benefits to its members. Data were collected through semi-structured interviews and participant observations involving 100 micro-enterprise owners actively participating in arisan, using a qualitative descriptive approach. The findings reveal that most participants joined arisan due to limited access to formal credit and a preference for its trust-based, community-centered approach. Economically, arisan contributes to increased business capital and facilitates business expansion. Socially, it fosters enhanced solidarity and strengthens relationships among members. The study concludes that arisan serves as an effective alternative funding source for micro-enterprises in Jambi, addressing gaps left by formal financial institutions. However, challenges such as trust issues and limited funds require attention to optimize its effectiveness as a sustainable financing mechanism.
Evaluating the maturity level of public service agency at Jambi University: Analysis and recommendations for enhancing public services Junaidi, Junaidi; Yusrizal, Yusrizal; Marzal, Jefri; Jumaili, Salman
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 10 No. 6 (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.v10i6.20873

Abstract

This study evaluates the maturity level of the Public Service Agency (BLU) at Jambi University (UNJA). The research uses descriptive analysis based on the BLU Maturity Rating worksheet to assess various aspects, including financial management, service quality, internal capabilities, governance, innovation, and environmental impact. The findings reveal that UNJA's BLU has achieved an overall maturity level 3.71. Internal capabilities scored the highest at level 5, while environmental aspects lagged at level 3. Recommendations are provided to enhance business ethics, risk management, and resource usage, improving the institution's maturity level and overall performance. These improvements are crucial for achieving a higher maturity level, ensuring better service quality, and promoting sustainable development within the institution.
Navigating workplace conflict in diverse academic settings: The roles of core self-evaluation and emotional intelligence in strengthening regional higher education Rosita, Sry; Musnaini, Musnaini; Aira, Dian Mala Fithriani; Tialonawarmi, Feny
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.v11i6.29825

Abstract

This study examines the direct effects of core self-evaluation (CSE) and emotional intelligence (EI) on workplace conflict while exploring the mediating role of perceived workplace diversity. Grounded in organizational psychology and contextualized within a regional Indonesian university, the research adopts a quantitative design, utilizing structured questionnaires administered to 94 academic staff members at Universitas Jambi. The findings indicate that neither CSE nor EI has a statistically significant direct effect on workplace conflict. However, EI is positively associated with diversity perception, which in turn significantly increases relational, task, and process conflict—demonstrating a mediated effect. In contrast, diversity does not mediate the relationship between CSE and conflict. These results reveal the complex interplay between individual psychological resources and organizational diversity in shaping interpersonal dynamics within higher education. The study highlights the importance of context-sensitive institutional strategies, including the integration of emotional intelligence training and inclusive workplace policies, in effectively managing diversity and mitigating conflict. It contributes to the broader discourse on academic workplace behavior by highlighting how personal dispositions and structural diversity jointly influence conflict outcomes, particularly within regional universities engaged in local development.
From cultural heritage to sustainability: Evaluating green economy in the Gringsing weaving industry using the MULTIMOORA approach Dewani, I Dewa Ayu Made Natasah; Saskara, Ida Ayu Nyoman
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 13 No. 1 (2025): 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.v13i1.37886

Abstract

The green economy, as a dimension of sustainable development, offers a comprehensive framework for achieving sustainability goals. The Gringsing textile industry in Bali presents a unique opportunity to integrate traditional crafts with principles of a green economy. This study examines the opportunities and challenges of sustainable Gringsing textile production in Tenganan through the lens of green economy principles. The MULTIMOORA (Multi-Objective Optimization by Ratio Analysis plus Full Multiplicative Form) method was employed to evaluate the environmental, economic, and social impacts of production alternatives. The findings reveal that Alternatives A1 and A3 achieved identical aggregate values of 0.84, with distinct strengths. A1 excels in economic viability and social contribution, making it a balanced option for stakeholders seeking comprehensive benefits. In contrast, A3 demonstrates superior environmental performance, making it the preferred choice for initiatives prioritizing ecological sustainability. Opportunities for sustainable Gringsing textile production include market expansion, innovation, and policy support, while challenges encompass high production costs, market competition, and resource constraints.
Fertility decline and economic growth challenges: Japan's struggle amid a demographic crisis Hamira, Hamira; Atiyatna, Dirta Pratama; Marissa, Feny; Sari, Dwi Darma Puspita; Khairunnas, Khairunnas
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 13 No. 1 (2025): 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.v13i1.38209

Abstract

This study examines the impact of demographic factors, particularly declining fertility rates and an aging population, on Japan’s economic growth from 1960 to 2022. Additionally, it analyzes key macroeconomic variables, including healthcare expenditure, interest rates, and inflation, that influence the country’s economy. Using quantitative time-series data and the Vector Error Correction Model (VECM), this research evaluates the short- and long-term effects of these variables on economic growth. The findings indicate that, in the long run, population aging and high interest rates significantly negatively affect economic growth. In contrast, healthcare expenditure and moderate inflation have a positive impact. Population aging slows economic expansion by increasing pension and healthcare costs, while high interest rates discourage investment and consumption. Conversely, healthcare expenditure, as an investment in human capital, enhances labor productivity, and moderate inflation stimulates economic activity by promoting consumption and investment. However, in the short term, none of these variables exhibit a significant impact on economic growth, suggesting that policy measures and demographic changes require time to influence the broader economy.
Sustainable finance and green economic growth: Evidence from the Indonesian banking sector Zulbetti, Rita; Muzaffirah, Adzirah; Alfiana, Alfiana; Perwito, Perwito
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 13 No. 1 (2025): 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.v13i1.39325

Abstract

Green economic growth has emerged as a global priority in pursuing sustainable development. This study examines the role of resource allocation efficiency in supporting green economic growth, as influenced by green financing practices, sustainable finance policies, and green financial products. A quantitative research approach was employed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The study population consisted of 107 financial institutions. A purposive sampling technique was used to select 168 respondents from 84 banks, comprising senior managers, division heads, and executives responsible for implementing sustainable finance policies—averaging two respondents per institution. The results reveal that green financing practices, sustainable finance policies, and green financial products directly and significantly impact green economic growth. Moreover, resource allocation efficiency plays a mediating role in strengthening these relationships. These findings underscore the importance of the banking sector in driving innovation in green financial products, implementing sustainable finance policies, and enhancing resource utilization efficiency. In conclusion, the banking sector holds a strategic position in advancing green economic growth. Future research could extend this framework by examining the role of non-financial sectors or exploring how digital technology transformation facilitates green financing to support sustainable development goals further.
An analysis of bank productivity in Indonesia: The impact of P2P lending and digital payments using the Malmquist Productivity Index Octrina, Fajra; Eliza, Jihan; Jamilah, Almi; Dewi, Andrieta Shintia
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 13 No. 1 (2025): 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.v13i1.40676

Abstract

This study investigates the relationship between technological adoption and banking productivity, specifically focusing on Indonesian banks over five years. Using the Malmquist Productivity Index (MPI), the study measures changes in productivity and identifies the variables that influence increases or decreases in performance. The findings reveal that P2P lending and digital payment innovations have a significant positive effect on enhancing bank productivity. Additionally, other bank-specific and macroeconomic variables were found to impact productivity levels. The results highlight the importance of continuous technological development and strategic operational improvements to sustain productivity growth. Based on these findings, it is recommended that banks intensify investments in financial technology, diversify their digital service offerings, and adapt operational models to reach broader market segments. Furthermore, regulatory bodies are encouraged to foster a competitive environment that promotes innovation while ensuring financial stability. These efforts are crucial to maintaining long-term efficiency and competitiveness in the banking sector.
The impact of institutional quality, market openness, and government size on corruption across income levels Kusuma, Hendra; Iskandar, Deden
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 13 No. 1 (2025): 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.v13i1.41725

Abstract

Government openness in managing the economy can stimulate growth, but carries the risk of policy misuse. This study analyzes panel data from 139 countries between 2012 and 2023 to examine the relationship between economic openness and corruption, as measured by the Corruption Perceptions Index (CPI). The findings reveal that key factors such as government integrity and financial freedom significantly influence CPI scores across countries with varying income levels. Nations characterized by flexible business regulations, transparent governance, strong legal protection of property rights, and stable monetary policies tend to exhibit lower levels of public sector corruption. However, the analysis also shows that financial freedom in high-income countries and investment freedom in upper-middle-income countries are negatively associated with CPI scores. This suggests that excessive liberalization—particularly in investment—without adequate regulatory oversight can increase corruption risks, likely due to limited transparency in capital flows and foreign investment practices. In contrast, when properly managed, the recognition of property rights, government integrity, and investment freedom are instrumental in reducing corruption in many middle-income countries. The study highlights the importance of strengthening government integrity, particularly in delivering public services and regulating an open economy. By ensuring effective and efficient oversight, countries can enhance their CPI scores and reduce the potential for corruption.
Redesigning a Circular Business Model Canvas (CBMC) for smallholder dairy farming: Financial feasibility and SDG alignment in Sarangan, Indonesia Yuni K, Kusnul Ciptanila; Hidayat, Nurul; Musfiroh, Anita
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 13 No. 3 (2025): 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.v13i3.36620

Abstract

The Indonesian government has committed to implementing a circular economy, as outlined in its national roadmap to 2025. This study aims to redesign a Circular Business Model Canvas (CBMC) for smallholder dairy farming in Sarangan, Magetan, to enhance farmers’ income and welfare while promoting environmental sustainability. An exploratory mixed-methods design was employed, combining thematic analysis and expert judgment with financial feasibility assessment using the Benefit–Cost (B/C) ratio. The redesigned CBMC incorporates circular economy principles into dairy operations, emphasizing eco-conscious value propositions, diversified revenue streams, and multi-stakeholder partnerships. The results show that cheese processing, yogurt production, and the tourism café are financially viable under normal (B/C ≈ 2.4–2.5) and peak demand (B/C > 6) conditions but not under low-demand conditions (B/C < 1). The model also contributes significantly to the Sustainable Development Goals (SDGs), particularly SDG 8 (Decent Work and Economic Growth, 85%), SDG 6 (Clean Water and Sanitation, 80%), and SDG 7 (Affordable and Clean Energy, 75%), with lower contributions to SDG 12 (70%) and SDG 15 (60%). Key challenges include farmer resistance to adopting new practices, limited access to capital, and seasonal fluctuations in demand. The study addresses these barriers and offers strategies to ensure scalability. Overall, this research fills a gap in the application of circular business models in agrifood systems by integrating business model redesign, financial feasibility, and SDG mapping, providing a replicable framework for smallholder dairy–ecotourism communities in developing regions.
Measuring gender inequality in household decision-making and its impact on food security: Evidence from rice-farming households in Jambi Province, Indonesia Junaidi, Junaidi; Hardiani, Hardiani; Hastuti, Dwi
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 13 No. 2 (2025): 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.v13i2.37336

Abstract

This study investigates the impact of gender inequality in household decision-making on food security among rice-farming households in Jambi Province, Indonesia. Drawing on the Harvard and Moser Models, the research develops quantitative indicators of gender roles and applies an ordered probit model to assess household food security across ranked categories. Data were collected from 214 households using a two-stage stratified sampling method, combining survey responses with secondary institutional data. The findings reveal that only 29% of households are food secure, while 71% experience either temporary or chronic food insecurity. Male-dominated households are more likely to achieve food security, whereas female-dominated and jointly managed households are significantly more vulnerable. Structural factors also exert a decisive influence: the education of the household head and land ownership consistently enhance food security. At the same time, participation in farmer training without resource support and reliance on non-farm income have adverse effects. These results underscore the importance of gender-inclusive policies that expand women’s access to education, land, credit, and market information. Targeted microcredit programs, resource-supported training, and the promotion of joint decision-making are recommended to reduce gender inequality and strengthen sustainable food security in rural farming communities.

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