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Balance: Jurnal Ekonomi
Published by Universitas Muhammadiyah Makassar
ISSN : 18582192     EISSN : 26865467     DOI : 10.26618/jeb
Core Subject : Economy,
Economics, Econometrics & Finance
Balance: Jurnal Ekonomi has p-ISSN 1858-2192 and e-ISSN 2686-5467 published by the Development Economics Study Program of the Faculty of Economics and Business, Muhammadiyah University of Makassar, this journal publishes research articles in the field of Economics. This journal publishes research studies that use various qualitative and/or quantitative methods and approaches in the field of Economics. This journal aims to develop concepts, theories, perspectives, paradigms, and methodologies in the scope of Economics published twice a year, namely June and December. The scope of Balance: Journal of Economics covers Economics and Development, Economic Behavior, Islamic Economic System, International Economy as well as applied sciences of Statistical Economics, Macro and Micro. Article submissions are made using the Balance: Jurnal Ekonomi template accompanied by supporting documents in the form of: a statement of authorship, ethics, and a copyright statement, which can be downloaded on the main page of the Balance: Jurnal Ekonomi website. Balance: Jurnal Ekonomi has been single-reviewed by peer reviewers. The decision to accept or not accept scientific articles in this journal is the right of the Editorial Board based on recommendations from peer reviewers.
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Articles 375 Documents
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Sustainability Analysis of Seaweed Cultivation as Regional Economic Resource in Raijua District Ludji, Frengky Saputra; Nalle, Agus Arnold; Ballo, Fransina W.
Jurnal Ekonomi Balance Vol. 21 No. 1 (2025): June 2025
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v21i1.16190

Abstract

This study investigates the sustainability of seaweed cultivation as a strategic economic resource and its implications for community welfare in Raijua District, Sabu Raijua Regency, Indonesia. Employing a qualitative case study approach, data were collected through interviews, observations, and documentation involving key stakeholders, including seaweed farmers, local authorities, and marine experts. The research aims to explore the socio-economic, environmental, and institutional factors influencing the sustainability of seaweed farming, and to assess its potential in supporting regional economic development. Findings reveal that the sustainability of seaweed cultivation is shaped by multiple interrelated factors such as environmental conditions, site selection, cultivation technology, farmer management skills, market access, infrastructure, government policy, education, and institutional collaboration. These factors directly affect productivity, resilience, and the long-term viability of seaweed farming. The study also highlights the positive impacts of seaweed cultivation on community welfare through income generation, reduced urban migration, empowerment of marginalized groups, economic diversification, and the growth of micro and small enterprises. Furthermore, environmentally friendly cultivation practices contribute to marine ecosystem conservation, carbon sequestration, and sustainable resource management. The study concludes that seaweed cultivation, when supported by integrated policy frameworks and stakeholder cooperation, can serve as a sustainable livelihood strategy and an engine for regional economic growth. These insights are valuable for policymakers, development practitioners, and researchers focusing on sustainable aquaculture and coastal economic resilience in developing regions. 
Examining the Impact of LDR and BOPO on ROA through NIM: Evidence from Indonesian Conventional Banks (2014–2023) Sinaga, Era Widia Br; Saajidah, Annisah; Saragih, Elisa Clara; Sirait, Melani Manginar; Hutabalian, Relli Anisma; Silaban, Putri Sari Margaret Julianty
Jurnal Ekonomi Balance Vol. 21 No. 1 (2025): June 2025
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v21i1.16392

Abstract

This study investigates the influence of the Loan to Deposit Ratio (LDR) and Operating Expenses to Operating Income (BOPO) on Return on Assets (ROA), with Net Interest Margin (NIM) as a mediating variable, in Indonesian conventional banks listed on the Indonesia Stock Exchange over the 2014–2023 period. Using a quantitative approach and path analysis, the study employs panel data extracted from annual financial reports and processed with STATA 17. The findings indicate that LDR has a significant positive effect on NIM, while BOPO negatively and significantly affects NIM. In terms of profitability, LDR shows an insignificant negative influence on ROA, whereas BOPO exerts a strong negative and significant effect. Meanwhile, NIM positively and significantly impacts ROA. Mediation analysis reveals that NIM mediates the relationships between LDR and ROA, and between BOPO and ROA, with Sobel test results confirming the significance of these indirect effects. These results underscore the critical role of NIM in enhancing profitability and mitigating the adverse effects of inefficiencies. The study emphasizes the strategic importance of optimizing loan allocation and cost efficiency to improve bank performance. The findings offer practical implications for banking management in designing targeted strategies that prioritize operational efficiency and margin optimization to strengthen profitability amidst regulatory changes and increasing competition in the banking sector.
The Effect of Education and Unemployment on Poverty in Indonesia's 34 Provinces (2018–2023): The Mediating Role of the Human Development Index Fayza, Salsabila; Sinambela, Rut Afentina; Situmorang, Rachel Meylani; Nafisha, Nadya; Silaban, Putri Sari Margaret Julianty
Jurnal Ekonomi Balance Vol. 21 No. 1 (2025): June 2025
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v21i1.16393

Abstract

This study investigates the impact of education and unemployment on poverty across Indonesia’s 34 provinces from 2018 to 2023, with the Human Development Index (HDI) serving as a mediating variable. Using secondary panel data and employing path analysis within a fixed effect model framework, the research explores both direct and indirect relationships among variables. The results indicate that unemployment significantly and negatively affects HDI, while education significantly and positively influences HDI. Furthermore, HDI has a significant negative impact on poverty, demonstrating its mediating role in reducing poverty through improvements in education. However, education does not directly influence poverty in a statistically significant manner. In contrast, unemployment directly and positively influences poverty levels. The Sobel test confirms that HDI significantly mediates the effect of education on poverty, but does not mediate the relationship between unemployment and poverty. These findings suggest that enhancing human capital through education can reduce poverty indirectly by improving HDI. However, addressing unemployment requires targeted labor market interventions, as improvements in HDI alone are insufficient to mitigate poverty caused by joblessness. The study underscores the importance of integrated policy approaches that simultaneously enhance education quality and employment opportunities to effectively reduce poverty and promote inclusive development in Indonesia.
The Influence of Local Own- Source Revenue and Unemployment On Labor Force Through Human Development Index (HDI) Aini, Lathifah; Runi, Naila Ananda; Nasution, Putri Andini; Salsabila, Salsabila; Silaban, Putri Sari Margaret Julianty
Jurnal Ekonomi Balance Vol. 21 No. 1 (2025): June 2025
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v21i1.16396

Abstract

This study examines the influence of Local Own-Source Revenue and unemployment on the labor force participation rate in the regions of Java and Bali, with the Human Development Index (HDI) acting as a mediating variable. Using path analysis and EViews software, the research investigates both direct and indirect effects within a structural model. The results show that Local Own-Source Revenue has no significant direct effect on the labor force (p = 0.9100; direct effect = 0.004), and its indirect effect through HDI is also negligible. Similarly, unemployment does not have a statistically significant effect on labor force participation (p = 0.0966; direct effect = –0.205), nor does it show a significant indirect effect via HDI. These findings indicate that HDI does not mediate the relationship between Local Own-Source Revenue or unemployment and labor force participation in these regions. While HDI is widely regarded as a benchmark for human development, this study suggests it may not sufficiently explain labor force dynamics in the context of Java and Bali. Alternative factors such as the quality of education, economic diversification, urbanization, industrial structures, and access to digital infrastructure may have greater explanatory power. Future research is recommended to explore additional mediating variables and employ more detailed regional or sectoral analyses. Moreover, incorporating qualitative methods may help capture social and cultural dimensions that influence labor force behavior, thus offering a more comprehensive basis for policymaking.
The Effect of Inflation and Exchange Rates on Interest Rates 2013-2022 Aini, Lathifah; Saajidah, Annisa; Nasution, Putri Andini; Salsabila, Salsabila; Sari, Yolanda Novita; Silaban, Putri Sari Margaret Julianti
Jurnal Ekonomi Balance Vol. 20 No. 2 (2024): Desember 2024
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v20i2.16656

Abstract

Inflation affects the real income of individuals who have a fixed income, which in turn impacts the wealth stored in banks. Various factors, such as interest rates, inflation, and government economic policies, can influence the exchange rate. These three variables are closely interrelated, and changes in one can significantly affect the others. This research aims to analyze the effect of inflation and exchange rates on interest rates. The results of this study are expected to provide valuable information and input for the central bank in determining effective interest rate policies to stabilize the economy. The research method employed is a quantitative approach utilizing time series data. This type of data is essential for analyzing trends and applying simple regression techniques to observe relationships between variables. Data used in this study were collected from Bank Indonesia for the period 2013-2022. The analysis reveals varying regression coefficients: a negative regression coefficient indicates a negative relationship between variable X and Y, meaning that an increase in one variable leads to a decrease in the other. Conversely, a positive regression coefficient signifies a positive relationship, where an increase in one variable results in an increase in the other. By understanding these relationships, policymakers and stakeholders can make informed decisions regarding monetary policy and economic strategies. This research contributes to a deeper understanding of how inflation, exchange rates, and interest rates interact, helping to ensure a stable financial environment that benefits individuals and institutions alike.
Islamic Empowerment of Red Brick Craftsmen: Enhancing Welfare in Julukanaya Village, Gowa Regency Suarni, Agusdiwana; Rahmah, Syahidah; Nurhana, Nurhana
Jurnal Ekonomi Balance Vol. 20 No. 2 (2024): Desember 2024
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v20i2.16671

Abstract

The aim of this research is to determine Islamic empowerment for red brick craftsmen in Julukanaya Village and to determine the impact of Islamic empowerment on improving the welfare of red brick craftsmen in Julukanaya Village. The type of research method used is descriptive qualitative which uses field research methods (primary data) and library research (secondary data). Primary data is data sourced from informants who know clearly and in detail about the problem being studied, namely red brick business owners and red brick craftsmen as well as community figures, while secondary data is obtained by researchers from books that are appropriate to the problem being studied. The results of the research show that the red brick business is managed together with business owners and red brick craftsmen so that it can improve the economic welfare of the people in Julukanaya Village so that they can meet their daily needs and can improve their children's education. Islamic empowerment of red brick craftsmen in Julukanaya Village, Gowa Regency is a collaboration or form of mutual help between business owners and red brick craftsmen, where the materials and land to be managed come from the business owner. The income level of the people in Julukanaya Village, especially red brick craftsmen, experienced an increase in prosperity because it had an impact on increasing the economy in the surrounding community
Empowering Mosque Youth in Banana Cultivation, Processing, and Marketing of Banana-Based Snacks Ibrahim, Mardiana; AR, Sri Hajriani; Ahmad, Fadillah
Jurnal Ekonomi Balance Vol. 20 No. 2 (2024): Desember 2024
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v20i2.16672

Abstract

This research aims to empower mosque youth in Parangbanoa Village, Palangga District, Gowa Regency, in optimizing the use of existing natural resources, especially banana trees, through cultivating, processing and marketing banana-based snacks. Parangbanoa Village has natural potential in the form of abundant banana plants, but it has not been utilized optimally by the community, especially the mosque youth, in creating products of economic value. For this reason, training and mentoring activities are carried out involving mosque youth in the process of cultivating good bananas, processing bananas into snacks such as banana chips, banana cake and banana pudding, as well as effective marketing strategies to increase product competitiveness. The method used in this research is Mentoring and Empowering through a Participatory Action Research (PAR) approach, where mosque youth are directly involved in every stage of the activity. The results of the activity show that mosque youth are increasingly skilled in processing bananas into various snack products which have good market potential. Apart from that, they also gain new knowledge about marketing techniques that can be used to introduce their products to a wider market. Through this program, it is hoped that mosque youth in Parangbanoa Village can improve the family economy, create new jobs, and make bananas a superior commodity that can be processed into high-value products.
The Impact of Direct Cash Assistance (BLT) on Community Welfare Asdar, Asdar; Jam'an, Andi; Ms, Basuki Rahmat; Naidah, Naidah; Tahir, Nur Alfilahi
Jurnal Ekonomi Balance Vol. 20 No. 2 (2024): Desember 2024
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v20i2.16675

Abstract

The aim of this research is to determine the impact of Direct Cash Assistance (BLT) on the welfare of the community in Pa'rappunganta Village, North Polongbangkeng District, Takalar Regency. This research is qualitative in nature with data obtained from informants through observation and interview methods. The data used includes primary data originating directly from the community and secondary data obtained from official documents at the research location. Direct Cash Assistance (BLT) is a form of government social intervention that aims to help poor people, especially in meeting their basic needs. Based on research results, BLT has a significant role in alleviating the economic burden on poor communities in the short term. However, the impact of BLT is not strong enough to improve the quality of life of the poor as a whole, let alone reduce the poverty rate in the region. This is due to the temporary and unsustainable nature of the BLT program. This program only provides a temporary solution without providing opportunities for people to get out of poverty systematically. Apart from that, there are obstacles in implementing the program, such as unequal distribution and lack of supervision, which causes the effectiveness of this program to be limited. This research concludes that although BLT helps reduce temporary economic pressure, more integrated and sustainable policies are needed to achieve long-term goals of increasing welfare and alleviating poverty in Pa'rappunganta Village. Community empowerment programs such as skills training and increasing access to employment opportunities can be a more effective alternative solution.
Population Growth, Foreign Direct Investment, and Human Development Index on Poverty In Indonesia Rezki, Amaliah; Baharuddin, Dahlia; Selong, Abbas; Manulusi, Muhammad Ridwan
Jurnal Ekonomi Balance Vol. 20 No. 2 (2024): Desember 2024
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v20i2.16788

Abstract

Poverty, as a national issue, cannot be solely resolved by the government through various development policies but also requires collective responsibility from all development stakeholders, including the community itself. The aim of this research is to analyze the influence of population growth, Foreign Direct Investment, and Human Development Index on the poverty rate in Indonesia. Secondary data from the Indonesian Central Bureau of Statistics for the period 2010 to 2022 were utilized for this study. The research population encompasses the entire Indonesian population. Non-Probability Sampling technique with a purposive sampling approach was employed to select a representative sample. Analytical methods included descriptive analysis, multiple linear regression analysis, and hypothesis testing such as t-test, F-test, and coefficient of determination to examine the statistical significance of the observed relationships. The research findings reveal that population growth and Foreign Direct Investment have a positive and significant impact on the poverty rate in Indonesia. However, Foreign Direct Investment shows a negative and significant influence on the poverty rate in Indonesia. Conversely, the Human Development Index does not exhibit a significant impact on the poverty rate. These findings contribute to a better understanding of the factors affecting the poverty rate in Indonesia and can serve as a basis for formulating more effective policies to address poverty-related issues in the future.
Analysis of Financial Administration Management at the Murhum District Office, Baubau City Uli, Nur Zarliani; Agustyawati, Dwi; Indrawati, Indrawati; Febriyanti, Febriyanti
Jurnal Ekonomi Balance Vol. 21 No. 1 (2025): June 2025
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v21i1.16993

Abstract

This study investigates the financial administration practices at the Murhum District Office, Baubau City, using a qualitative descriptive approach aimed at understanding the implementation of regional financial governance in line with national regulations. The research involved a total of 20 staff members, with purposive sampling of three employees directly involved in financial administration. In addition, financial documents from the years 2020 to 2022 were analyzed to complement the primary data. Data collection methods included direct observation of financial procedures, in-depth interviews with selected financial staff, and document analysis to validate the implementation process. The findings show that the financial administration at the Murhum District Office is carried out in accordance with Minister of Home Affairs Regulation No. 13 of 2006 and its amendment No. 59 of 2007, which outline the principles and procedures of regional financial management. The administrative process covers key components such as financial planning, budgeting, execution, monitoring, and accountability. Notably, the budgeting process reflects a balanced alignment between projected revenues and expenditures, demonstrating efficient financial planning. The study also emphasizes that the financial activities are consistent with the objectives of Law No. 32 of 2004 concerning Regional Government, particularly regarding the transparent and accountable use of the Regional Income and Expenditure Budget (APBK). Overall, the research concludes that the financial administration system in the Murhum District Office is well-organized, legally compliant, and contributes positively to the realization of good governance practices at the local level

Page 35 of 38 | Total Record : 375

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