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All Journal Global Review of Islamic Economics and Business JDE (Journal of Developing Economies) Jurnal Ekonomi dan Bisnis
Achmad Nurdany
Universitas Islam Negeri Sunan Kalijaga Yogyakarta
Arts Humanities Economics, Econometrics & Finance Social Sciences

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Sustainability of Islamic Rural Banks: A Social Qardh Financing Approach Hasan Al-Banna; Achmad Nurdany
Global Review of Islamic Economics and Business Vol 9, No 2 (2021)
Publisher : Faculty of Islamic Economics and Business, State Islamic University Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/grieb.2021.092-08

Abstract

Unlike Islamic commercial banks, Islamic rural bank emphasizes on small-medium enterprise financing along with providing a unique contract feature, namely social qardh financing. This paper investigates a way of finding the sustainability of Islamic rural banks through social financing and halal small-medium enterprise lending. We use OLS (ordinary least squares) and TSLS (two-stage least square) analysis. The time-series data is used from the period of 2010 to 2020.  The result revealed that social qardh financing and small-medium halal enterprise lending have a positive and significant impact on the sustainability of Islamic rural banks. The Islamic rural banks' ratios are also found to be negative in influencing sustainability except the liquidity ratio that has a significant positive effect. Besides, the macroeconomic variables are also significant in explaining sustainability of Islamic rural banks. Recommendation for the policymaker that the regulation is needed to push Islamic rural banks in enhancing the social qardh financing toward small-medium enterprises.
Digitalization in Indonesian Cooperatives: Is It Necessary? Achmad Nurdany; Anniza Citra Prajasari
JDE (Journal of Developing Economies) Vol. 5 No. 2 (2020)
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jde.v5i2.19447

Abstract

Digitalization has already penetrated all sectors of life and dominates business models. This study evaluates the extent to which small businesses should adopt digitalization. We focus on the cooperative's business model currently fighting with another fast-growing and popular business model, the start-up. Then, we used direct field research, including descriptive analysis and in-depth interviews with cooperatives in the Yogyakarta Special Region, Indonesia. We found that that the use of digital media by cooperatives in our study was minimal. From in-depth interviews, we found that some non-digital cooperatives insist on not using digitalization due to the lack of digital media penetration of their targeted customers and a preference for word-of-mouth marketing. One practical implication of this study is that digitalization depends somewhat on the addressed customer market model. Keywords: Digitalization, Cooperatives, Word of Mouth JEL: D22, G23, O14
Digital-related economy sectors and regional economy disruption Achmad Nurdany; Anggari Marya Kresnowati
Jurnal Ekonomi dan Bisnis Vol 22 No 1 (2019)
Publisher : Fakultas Ekonomika dan Bisnis Universitas Kristen Satya Wacana

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (557.472 KB) | DOI: 10.24914/jeb.v22i1.2187

Abstract

Penelitian tentang ekonomi regional dan faktor-faktornya telah banyak diteliti oleh para peneliti dengan baik, namun demikian relatif sedikit yang meneliti tentang sektor ekonomi digital yang mempengaruhi ekonomi regional. Oleh karena itu, tujuan dari riset ini adalah untuk menyelidiki dampak ekonomi regional yang disebabkan oleh sektor ekonomi digital; menganalisis efek berganda dari sektor-sektor ini terhadap output, pendapatan, dan lapangan kerja; dan untuk menghitung dampak ekonomi dari investasi tambahan di sektor ekonomi digital. Studi ini berfokus pada wilayah Provinsi Jawa Timur, Indonesia. Metoda penelitian yang digunakan pada riset ini adalah analisis input-output (menggunakan matrik agregasi 13 x 13), analisis ini mampu menggambarkan transaksi barang dan jasa dalam waktu tertentu. Penelitian ini menggunakan data dari Badan Pusat Statistik, yaitu berupa data Tabel Input-Output Provinsi Jawa Timur tahun 2015 yang mencakup 110 sektor ekonomi, dan kemudian dikelompokkan menjadi sektor terkait digital dan sektor yang tidak terkait dengan digital. Hasilnya menunjukkan bahwa sektor ekonomi digital memiliki keterkaitan ke belakang dan ke depan dengan sektor lain di kawasan yang diteliti. Temuan lebih lanjut menunjukkan bahwa sektor manufaktur digital memiliki efek pengganda tertinggi pada output, pendapatan, dan lapangan kerja. Sementara investasi pada sektor ekonomi digital, berdasarkan akan membuat disrupsi yang lebih baik pada perekonomian Jawa Timur. Pemerintah daerah harus menekankan untuk menarik lebih banyak investasi di sektor ekonomi digital.
Co-Authors Anggari Marya Kresnowati Anniza Citra Prajasari Hasan Al-Banna