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Muhammadinah
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CV. Era Digital Nusantara Taman Balaraja blok G 2 no.1 RT 03 RW 08 Desa Parahu Kec. Sukamulya Kab. Tangerang - Banten 15610
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INDONESIA
Journal Of Economic Cluster
Published by CV. Era Digital Nusantara
ISSN : 30626692     EISSN : 30626692     DOI : https://doi.org/10.59066/joec.v1i1
Core Subject : Economy,
Economics, Econometrics & Finance
Focus and Scope Journal Of Economic Cluster is a peer-reviewed journal on economics science. Specifically, the journal will deal with following topics: Monetary Economy Public Economics Human Resource Economics Accounting Management Development Economics Economic Education Financial Economics Islamic Economics Institutional Economics Monetary Economics
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 24 Documents
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Determinants of Financial Distress in Islamic Banks: Does Firm Size Matter?
Journal Of Economic Cluster Vol. 1 No. 2 (2024): JoEC: Journal of Economic Cluster
Publisher : CV. Era Digital Nusantara

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Abstract

This study examines the effects of Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR), and Operating Expenses to Operating Income (BOPO) on Financial Distress, with Firm Size as a moderating variable, in Indonesian Sharia Commercial Banks from 2019 to 2023. Using panel data from 10 banks analyzed using the Random Effects Model (REM), the findings reveal that only FDR significantly affects Financial Distress. A key discovery is that Firm Size significantly moderates (weakens) the negative impact of FDR on Financial Distress, providing empirical support for the "Too Big to Fail" theory within the Islamic banking ecosystem. Conversely, NPF and BOPO showed no significant effects, suggesting that capital buffers and restructuring policies effectively mitigated financing risks and inefficiencies during the pandemic. Theoretically, this research contributes to the international Islamic finance literature by demonstrating that asset size is a more critical determinant of liquidity resilience than credit risk in distressed conditions. The global policy implications underscore the necessity for differential regulatory standards for smaller-scale Islamic banks to prevent systemic risks in emerging markets.
Customer Loyalty in Islamic Microfinance: The Role of Service Quality and Trust
Journal Of Economic Cluster Vol. 1 No. 2 (2024): JoEC: Journal of Economic Cluster
Publisher : CV. Era Digital Nusantara

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Abstract

This study examines the impact of service quality and trust on customer loyalty in BMT Trans Redjo Mulyo Dadi, Indonesia. Using survey data from 107 respondents and analyzed with SEM-PLS, the findings reveal that both service quality and trust significantly enhance customer loyalty. The novelty of this research lies in extending loyalty models to Islamic microfinance institutions, highlighting the critical role of trust and service quality in sustaining member commitment. This contributes to the global literature by offering empirical evidence from a developing-country context, where microfinance plays a vital role in financial inclusion and community empowerment.
Driving Performance in Islamic Banking: How Discipline, Compensation, and Education Intersect
Journal Of Economic Cluster Vol. 2 No. 1 (2025): JoEC: Journal of Economic Cluster
Publisher : CV. Era Digital Nusantara

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Abstract

The purpose of this study is to examine the role of discipline, work compensation, and educational background in enhancing employee performance at Bank Syariah Indonesia KC Sudirman Palembang. The population consists of all employees, with a saturated sampling technique applied so that the entire population of 47 respondents was included. Primary data were collected through questionnaires and analyzed using SmartPLS, covering measurement models (outer model), structural models (inner model), and hypothesis testing. The findings reveal that discipline, work compensation, and educational background contribute positively and significantly to employee performance. The novelty of this research lies in the simultaneous integration of these three key human resource management factors within the context of Islamic banking, which has rarely been investigated. Practically, the results provide valuable insights for Islamic bank management in designing policies that strengthen workplace discipline, establish fair compensation systems, and align career development strategies with employees’ educational backgrounds. Thus, this study not only reinforces human resource management theory in Islamic banking but also offers actionable recommendations to improve productivity and service quality in Indonesia’s Islamic financial institutions.
Financial Literacy, Risk Tolerance, and Risk Perception as Determinants of Investment Decisions: A Study of Mutual Fund Investors in Indonesia
Journal Of Economic Cluster Vol. 2 No. 1 (2025): JoEC: Journal of Economic Cluster
Publisher : CV. Era Digital Nusantara

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Abstract

This study examines the influence of financial literacy, risk tolerance, and risk perception on investment decisions among mutual fund investors in Palembang, Indonesia. Primary data were collected from 98 respondents using purposive sampling and analyzed through Structural Equation Modelling (SEM) with SmartPLS 4. The results indicate that financial literacy does not significantly affect investment decisions, while risk tolerance and risk perception have positive and significant effects. The novelty of this research lies in simultaneously testing cognitive and psychological factors in the context of mutual fund investors in Indonesia. Theoretical contributions reinforce the role of risk tolerance and perception in investment decision-making, while practical implications provide insights for fund managers and regulators to improve investor education and risk management strategies.

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