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EXPLORING GENDER DIFFERENCES IN DETERMINANTS OF BANK ALADIN SHARIA ADOPTION: A MULTI-GROUP ANALYSIS APPROACH 探讨阿拉伯银行伊斯兰教法采纳决定因素中的性别差异:一种多群体分析方法
Pub Date : 2023-05-29 DOI: 10.20473/jeba.v33i12023.40-52
Bintang Aulia Lutfi, Ari Prasetyo, Yan Putra Timur, Muhammad Rifqi
Introduction: This study aims to determine what factors lead people in East Java use Bank Aladin Sharia services based on gender differences. Methods: The PLS-SEM Multi Group Analysis approach is used as an evaluation model in this study's quantitative methodology, which makes use of SmartPLS 3.0. The information was gathered by having respondents living in East Java to fill out an online survey, which was then divided by gender. 417 respondents who met the requirements of being Indonesian citizens, Muslims, and capable cell phone users were used as the sample. Results: Performance expectations, social influence, and price values—generally have an impact on a customer's decision to adopt digital Islamic banking services. The same outcomes were also seen in the male data group, demonstrating again how customer intents to use Bank Aladin Sharia services were influenced by performance expectations, social influence, and price values. The pricing value variable is the only factor influencing customer intentions in this female data group. Conclusion and suggestion: The study results show that different factors encourage males and females to use Bank Aladin Sharia services. Researchers suggest that Islamic banks can increase public understanding of sharia digital banking services. This study has limitations on the UTAUT2 variable as an exogenous variable. In future research, it is possible to modify the UTAUT-2 model by including a moderating variable.
引言:本研究旨在确定哪些因素导致东爪哇人基于性别差异使用世行的阿拉丁伊斯兰教法服务。 方法:本研究的定量方法采用PLS-SEM多组分析方法作为评估模型,使用SmartPLS 3.0。这些信息是通过让居住在东爪哇的受访者填写一份在线调查来收集的,然后按性别划分。417名符合印尼公民、穆斯林和有能力使用手机的受访者被用作样本。 结果:业绩预期、社会影响和价格价值通常会影响客户采用数字伊斯兰银行服务的决定。在男性数据组中也看到了相同的结果,再次表明客户使用世行阿拉丁伊斯兰教法服务的意愿是如何受到业绩预期、社会影响和价格价值的影响的。在这个女性数据组中,价格价值变量是唯一影响顾客意向的因素。 结论与建议:研究结果表明,不同的因素促使男性和女性使用世行的阿拉丁伊斯兰教法服务。研究人员认为,伊斯兰银行可以提高公众对伊斯兰数字银行服务的理解。本研究对UTAUT2变量作为外生变量存在局限性。在未来的研究中,可以通过加入调节变量来修改UTAUT-2模型。
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 Methods: The PLS-SEM Multi Group Analysis approach is used as an evaluation model in this study's quantitative methodology, which makes use of SmartPLS 3.0. The information was gathered by having respondents living in East Java to fill out an online survey, which was then divided by gender. 417 respondents who met the requirements of being Indonesian citizens, Muslims, and capable cell phone users were used as the sample.
 Results: Performance expectations, social influence, and price values—generally have an impact on a customer's decision to adopt digital Islamic banking services. The same outcomes were also seen in the male data group, demonstrating again how customer intents to use Bank Aladin Sharia services were influenced by performance expectations, social influence, and price values. The pricing value variable is the only factor influencing customer intentions in this female data group.
 Conclusion and suggestion: The study results show that different factors encourage males and females to use Bank Aladin Sharia services. Researchers suggest that Islamic banks can increase public understanding of sharia digital banking services. This study has limitations on the UTAUT2 variable as an exogenous variable. In future research, it is possible to modify the UTAUT-2 model by including a moderating variable.
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引用次数: 0
THE INFLUENCE OF STORE IMAGE, TRUST, RISK PERCEPTION, AND BENEFIT PERCEPTION ON ONLINE MOBILE PHONE PURCHASE INTENTION 店铺形象、信任、风险感知、利益感知对手机在线购买意愿的影响
Pub Date : 2023-05-29 DOI: 10.20473/jeba.v33i12023.1-20
Iis Mei Hudawidayanti, Masmira Kurniawati
Introduction: The study intends to affect the shop image, trust, risk perception, and benefit perception of online mobile phone purchases. Methods: The Smart PLS program was used in conjunction with data acquired via a questionnaire. Because Sentra Mobile's online store is in Bibli, the population of this study includes the whole Blibli user base. In this study, non-probability sampling is used, which means that a population element has no chance of being chosen as a sample subject. Sampling is a purposeful sampling approach in which the sample is determined using multiple criteria so that it may be utilized as a sample. Results: The findings indicated that each of the variables had an impact on the purchase intention. There is a positive effect on the store's image intended for purchasing mobile phones online. Through trust mediation, store image has a higher favorable impact on the desire to buy mobile phones online. The inclination to acquire a mobile phone online is influenced positively by trust. The perception of risk has a negative effect on the inclination to acquire a mobile phone online. Conclusion and suggestion: This research can be a reference for further research related to the influence of store image, trust, perceived risk, and perceived benefits on the purchase intention of mobile phones online.
前言:本研究旨在影响手机网上购物的店铺形象、信任、风险感知和利益感知。方法:使用智能PLS程序与通过问卷调查获得的数据相结合。由于Sentra Mobile的在线商店位于Blibli,因此本研究的对象包括整个Blibli用户群。在本研究中,使用非概率抽样,这意味着一个总体元素没有机会被选为样本对象。抽样是一种有目的的抽样方法,其中使用多个标准确定样本,以便可以将其用作样本。结果:调查结果显示,各变量对购买意愿均有影响。对于在线购买手机的店铺形象有积极的影响。通过信任中介,门店形象对网上购买手机的意愿有较高的有利影响。在线获取手机的倾向受到信任的积极影响。对风险的感知对在线购买手机的倾向有负面影响。结论与建议:本研究可为进一步研究店铺形象、信任、感知风险、感知利益对手机在线购买意愿的影响提供参考。
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引用次数: 0
MARKET REACTIONS TO DIVIDENDS ANNOUNCEMENT: AN EVENT STUDY OF BRIS AND BTPS 市场对股利公告的反应:基于bris和BTPS的事件研究
Pub Date : 2023-05-29 DOI: 10.20473/jeba.v33i12023.106-120
Muhammad Ahsanul Amal, None Darmawan, None Lamondo
Introduction: A dividend announcement is an information disclosed by a public company regarding the distribution of its corporate profits, whether in the form of dividends or retained earnings to strengthen the company in funding future investments. Dividend announcements might have either a positive or negative effect on the market. Methods: This quantitative research uses the event study method in the data collection period of 20 days, ten days before and ten days after the ex-dividend date. The analysis used is a descriptive statistical test, Shapiro-Wilk normality test, and hypothesis test. Results: The study results indicate that the market reaction is a change in the share price of PT. Bank Syariah Indonesia Tbk (BRIS), there is no significant difference between before and after the ex-dividend date but at PT. National Sharia Pension Savings Bank Tbk (BTPS) changes stock prices before and after the ex-dividend date, and there is a significant difference. Furthermore, for abnormal returns at PT. Bank Syariah Indonesia Tbk (BRIS) and PT. National Sharia Pension Savings Bank Tbk (BTPS) before and after the ex-dividend date, there is no significant difference, as well as the trading volume activity of PT. Bank Syariah Indonesia Tbk (BRIS) and PT. National Sharia Pension Savings Bank Tbk (BTPS) before and after the ex-dividend date, there is no significant difference. Conclusion and suggestion: This is because the dividend policy is not a factor of investor interest in investing in the company but is determined through the earning power of the company's assets
简介:股息公告是上市公司披露的关于公司利润分配的信息,无论是以股息还是留存收益的形式,以加强公司为未来投资提供资金。股息公告可能对市场产生积极或消极的影响。方法:本定量研究采用事件研究法,在除息前10天、除息后10天的数据收集期内进行。分析采用描述性统计检验、Shapiro-Wilk正态性检验和假设检验。 结果:研究结果表明,市场反应是印度尼西亚伊斯兰银行Tbk (BRIS)的股价变化,除息日前后没有显著差异,但在PT. National Sharia Pension Savings Bank Tbk (BTPS)的除息日前后改变股价,存在显著差异。此外,除息日前后PT. Bank ysariah Indonesia Tbk (BRIS)和PT. National Sharia Pension Savings Bank Tbk (BTPS)的异常收益无显著差异,除息日前后PT. Bank ysariah Indonesia Tbk (BRIS)和PT. National Sharia Pension Savings Bank Tbk (BTPS)的交易量活动也无显著差异。 结论和建议:这是因为股利政策不是投资者投资公司的兴趣因素,而是通过公司资产的盈利能力来决定的
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 Methods: This quantitative research uses the event study method in the data collection period of 20 days, ten days before and ten days after the ex-dividend date. The analysis used is a descriptive statistical test, Shapiro-Wilk normality test, and hypothesis test.
 Results: The study results indicate that the market reaction is a change in the share price of PT. Bank Syariah Indonesia Tbk (BRIS), there is no significant difference between before and after the ex-dividend date but at PT. National Sharia Pension Savings Bank Tbk (BTPS) changes stock prices before and after the ex-dividend date, and there is a significant difference. Furthermore, for abnormal returns at PT. Bank Syariah Indonesia Tbk (BRIS) and PT. National Sharia Pension Savings Bank Tbk (BTPS) before and after the ex-dividend date, there is no significant difference, as well as the trading volume activity of PT. Bank Syariah Indonesia Tbk (BRIS) and PT. National Sharia Pension Savings Bank Tbk (BTPS) before and after the ex-dividend date, there is no significant difference.
 Conclusion and suggestion: This is because the dividend policy is not a factor of investor interest in investing in the company but is determined through the earning power of the company's assets","PeriodicalId":336211,"journal":{"name":"Jurnal Ekonomi dan Bisnis Airlangga","volume":"47 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135832195","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
GREENPEACE CAMPAIGN ON THE PURCHASE OF NON-ENVIRONMENTALLY FRIENDLY PRODUCTS 绿色和平组织关于购买非环保产品的活动
Pub Date : 2023-05-29 DOI: 10.20473/jeba.v33i12023.68-78
Aldi Adi Pratama, Aulia Nabil Bayyinah, Rakha Ramadhana
Introduction: The economic management system is based on the principle of economic actors, tending to focus on the needs, comfort and health of consumers. It is very incomplete, if it is not environmentally oriented when the product is no longer used. The purpose of this study is to find out whether green peace campaigns can influence the choice of non-environmentally friendly products on consumer demand. This research is also expected to be able to make an evaluation for the XYZ company in developing products, based on balancing consumer demand with the environment Methods: The method used in this research is using a closed questionnaire data processing approach, and includes the interview method, in analyzing why the respondent chose a particular answer Results: The selection of product D with non-environmentally friendly packaging and components, still has the highest purchase rate of 1,9. Followed by the second-ranking of product B from the second statement with non-environmentally friendly packaging often purchased at 1,8; the third-ranking product A from the first statement with environmentally friendly packaging is purchased more often at 1,3; and the last ranking of product C from the third statement with environmentally friendly packaging and components is often purchased at 1,2. Conclusion and suggestion: The concept of selecting relatively cheaper costs, is said to still be the main product choice for consumer behavior, even though it has non-environmentally friendly risks. Data processing also shows that the selection of environmentally friendly products with more expensive costs is less chosen by consumers.
经济管理系统基于经济行为者的原则,倾向于关注消费者的需求、舒适和健康。它是非常不完整的,如果它不是环保的,当产品不再使用。本研究的目的是找出绿色和平运动是否可以影响消费者对非环境友好产品的选择需求。本研究还希望能够在平衡消费者需求与环境的基础上对XYZ公司开发产品进行评估方法:本研究中使用的方法是使用封闭问卷数据处理方法,并包括访谈方法,在分析受访者为什么选择特定答案时结果:选择非环保包装和组件的产品D,仍然具有最高的购买率1,9。其次是排名第二的产品B,从第二份声明中使用非环保包装经常购买在1、8;第一份报表中包装环保排名第三的产品A的购买频率较高,为1,3;而第三个表述中最后一名包装和部件环保的C产品,往往购买价格为1、2。结论和建议:选择相对便宜的成本的概念,据说仍然是消费者行为的主要产品选择,即使它有非环境友好的风险。数据处理也表明,消费者较少选择成本较高的环保产品。
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引用次数: 0
EXAMINING THE DETERMINANTS OF POVERTY IN EAST JAVA 检查东爪哇贫困的决定因素
Pub Date : 2023-05-29 DOI: 10.20473/jeba.v33i12023.121-131
Dewi Kholifah, Hadi Sumarsono
Introduction: Economic development is one of a nation's attempts to achieve social well-being. The poverty line could possibly be utilized to indicate social welfare given there is an adverse relationship between welfare and poverty rates in Indonesia. A citizen is considered to be poor if their earnings are insufficient to cover necessities such food and shelter. Methods: This research uses the panel data method in 38 districts/cities in East Java Province between 2019 and 2022. Results: Economic growth, general allocation funds, and health have a negative and substantial impact on the poverty rate of districts and cities in East Java Province. Conclusion and suggestion: The government is expected to be able to maximize the results of the economic sector in each district or city in East Java, due to a high potential for expanding the economy, in addition to optimizing general allocation funds for public infrastructure and facilities, access to education, health, and infrastructure that stimulates economic activity, and enhance the quality of public health considering good health, of course, leads to economic growth.
经济发展是一个国家实现社会福利的一种尝试。鉴于印度尼西亚的福利和贫困率之间存在着不利的关系,贫穷线可能被用来表示社会福利。如果一个公民的收入不足以支付衣食住行等生活必需品,就被认为是贫困的。方法:采用面板数据法,选取2019 - 2022年东爪哇省38个区/市为研究对象。结果:经济增长、一般拨款和卫生对东爪哇省各区市贫困率有负向和实质性的影响。 结论和建议:由于扩大经济的潜力很大,政府预计能够最大限度地提高东爪哇每个地区或城市的经济部门的成果,除了优化公共基础设施和设施的一般拨款,获得教育,卫生和刺激经济活动的基础设施,并考虑到良好的健康,当然,会导致经济增长,提高公共卫生质量。
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 Methods: This research uses the panel data method in 38 districts/cities in East Java Province between 2019 and 2022.
 Results: Economic growth, general allocation funds, and health have a negative and substantial impact on the poverty rate of districts and cities in East Java Province.
 Conclusion and suggestion: The government is expected to be able to maximize the results of the economic sector in each district or city in East Java, due to a high potential for expanding the economy, in addition to optimizing general allocation funds for public infrastructure and facilities, access to education, health, and infrastructure that stimulates economic activity, and enhance the quality of public health considering good health, of course, leads to economic growth.","PeriodicalId":336211,"journal":{"name":"Jurnal Ekonomi dan Bisnis Airlangga","volume":"10 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135831917","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
DOES CORPORATE GOVERNANCE, LIQUIDITY, AND BANK SIZE AFFECT THE EFFICIENCY OF SHARIA BANKS IN INDONESIA? 公司治理、流动性和银行规模是否影响印尼伊斯兰银行的效率?
Pub Date : 2023-05-29 DOI: 10.20473/jeba.v33i12023.91-105
Adry Daffand Ghifar, Muhammad Zakariyya, Erdin Maulana Tristianto
Introduction: The aim of this research was carried out in order to show whether corporate governance, liquidity, and business size might impact the efficiency of an Islamic bank in Indonesia prior to the merger of three Islamic banks, namely BNI Syariah, BRI Syariah, and Bank Syariah Mandiri, and from 2016 to 2021. Methods: Sharia governance is measured using CEO duality proxies and board size, whereas liquidity is measured using DAR, bank size is calculated using the logarithm of total assets, and bank efficiency is measured using three proxies: managerial efficiency, expenses, and profits. The information was compiled from annual financial reports 2016–2021 of 14 Indonesian Islamic commercial banks. Multiple linear regression and testing of conventional hypotheses are used to process the data in SPSS 25. Results: The results of the hypothesis testing indicate that factors affecting management effectiveness are board size, CEO duality, bank size, and liquidity. Conclusion and suggestion: The observation period of the previous five years can be used in future studies to add measurement indicators to corporate governance factors. In order to acquire more varied results with distinct settings of bank efficiency between conventional banks and Islamic banks, study samples might be used that come from conventional banks in addition to these other choices.
引言:本研究的目的是为了显示公司治理,流动性和业务规模是否可能影响印度尼西亚伊斯兰银行的效率,在三家伊斯兰银行合并之前,即BNI伊斯兰银行,BRI伊斯兰银行和伊斯兰银行Mandiri,从2016年到2021年。方法:伊斯兰教法治理是用CEO二元代理和董事会规模来衡量的,而流动性是用DAR来衡量的,银行规模是用总资产的对数来计算的,银行效率是用三个代理来衡量的:管理效率、费用和利润。这些信息是根据14家印尼伊斯兰商业银行2016-2021年的年度财务报告编制的。在SPSS 25中使用多元线性回归和常规假设检验来处理数据。结果:假设检验结果表明,影响管理有效性的因素有董事会规模、CEO二元性、银行规模和流动性。结论与建议:前五年的观察期可以在未来的研究中使用,为公司治理因素增加度量指标。为了在传统银行和伊斯兰银行之间获得不同银行效率设置的更多不同结果,除了这些其他选择之外,还可以使用来自传统银行的研究样本。
{"title":"DOES CORPORATE GOVERNANCE, LIQUIDITY, AND BANK SIZE AFFECT THE EFFICIENCY OF SHARIA BANKS IN INDONESIA?","authors":"Adry Daffand Ghifar, Muhammad Zakariyya, Erdin Maulana Tristianto","doi":"10.20473/jeba.v33i12023.91-105","DOIUrl":"https://doi.org/10.20473/jeba.v33i12023.91-105","url":null,"abstract":"Introduction: The aim of this research was carried out in order to show whether corporate governance, liquidity, and business size might impact the efficiency of an Islamic bank in Indonesia prior to the merger of three Islamic banks, namely BNI Syariah, BRI Syariah, and Bank Syariah Mandiri, and from 2016 to 2021. Methods: Sharia governance is measured using CEO duality proxies and board size, whereas liquidity is measured using DAR, bank size is calculated using the logarithm of total assets, and bank efficiency is measured using three proxies: managerial efficiency, expenses, and profits. The information was compiled from annual financial reports 2016–2021 of 14 Indonesian Islamic commercial banks. Multiple linear regression and testing of conventional hypotheses are used to process the data in SPSS 25. Results: The results of the hypothesis testing indicate that factors affecting management effectiveness are board size, CEO duality, bank size, and liquidity. Conclusion and suggestion: The observation period of the previous five years can be used in future studies to add measurement indicators to corporate governance factors. In order to acquire more varied results with distinct settings of bank efficiency between conventional banks and Islamic banks, study samples might be used that come from conventional banks in addition to these other choices.","PeriodicalId":336211,"journal":{"name":"Jurnal Ekonomi dan Bisnis Airlangga","volume":"26 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135832013","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
THE IMPACT OF COMPANY FINANCIAL PERFORMANCE ON ECONOMIC GROWTH 公司财务业绩对经济增长的影响
Pub Date : 2023-05-29 DOI: 10.20473/jeba.v33i12023.53-67
Aji Binawan Putra, Muhammad Wakhid Musthofa
Introduction: The relationship between companies and economic growth needs to be analyzed. What if the company's performance is not effective then economic growth will not be in good condition or the company's financial performance does not affect economic growth. Methods: This research is a quantitative study using the balanced scorecard method with variables namely financial ratio indicators ROA and DER, and economic growth as measured by Gross Domestic Product (GDP). Data were collected from the financial reports of 11 companies for 10 years, and were processed using panel data regression analysis with the Random Effect Model (REM) approach with the help of the Econometric Views 10 Application (Eviews 10). Results: The results of the study show that ROA and DER have no effect on Indonesia's economic growth. Conclusion and suggestion: This study can be used as an additional reference in financial management activities, and then for institutions that have supervisory authority to ensure that the profits and debts of a company must be strictly controlled so that in the future financial performance can increase economic growth.
引言:需要分析公司与经济增长之间的关系。如果公司的业绩不有效,那么经济增长将不会处于良好状态,或者公司的财务业绩不会影响经济增长。方法:本研究采用平衡计分卡方法进行定量研究,变量为财务比率指标ROA和DER,以及国内生产总值(GDP)衡量的经济增长。从11家公司10年的财务报告中收集数据,并使用随机效应模型(REM)方法进行面板数据回归分析,并借助计量经济学视图10应用程序(Eviews 10)。结果:研究结果表明,ROA和DER对印尼的经济增长没有影响。结论与建议:本研究可以作为财务管理活动的额外参考,从而为具有监管权限的机构确保必须严格控制公司的利润和债务,以便在未来的财务绩效中促进经济增长。
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引用次数: 0
SYSTEMATIC LITERATURE REVIEW: WILLINGNESS TO PAY FOR CONSUMERS TO ORGANIC RICE 系统文献综述:消费者愿意为有机大米买单
Pub Date : 2023-05-29 DOI: 10.20473/jeba.v33i12023.21-29
Khotimatul Barki, Malinda Aptika Rachmah
Introduction: Organic rice is a food product that is cultivated organically, does not contain chemicals and pesticides, and has a high nutrient and antioxidant content. This study aims to 1) find out the method used to collect data about consumers' willingness to pay for organic rice, 2) find out the method used to measure the level of willingness to pay for organic rice, 3) find out the factors that influence consumers' willingness to pay for organic rice. Methods: The method used in this study is the SLR (Systematic Literature Review) method with PRISMA (Preferred Reporting Items for Systematic Review and Meta-Analysis). Results: The results showed that 1) the highest frequency in data collection techniques was carried out using questionnaires and interviews (460 respondents), 2) the highest frequency in data analysis was using the CVM (contingent valuation method), 3) the most frequent category of factors influencing WTP, namely price product. Conclusion and suggestion: The more research questions answered in published journals, the more data collection methods, methods of measuring WTP, and factors that influence WTP are often used in research.
简介:有机大米是一种有机种植的食品,不含化学药品和农药,具有很高的营养和抗氧化剂含量。本研究旨在1)找出消费者购买有机大米意愿的数据收集方法,2)找出衡量消费者购买有机大米意愿水平的方法,3)找出影响消费者购买有机大米意愿的因素。方法:本研究采用的方法为SLR (Systematic Literature Review)法,采用PRISMA (Preferred Reporting Items for Systematic Review and Meta-Analysis)。结果:结果表明:1)数据收集技术中使用问卷和访谈的频率最高(460名受访者),2)数据分析中使用CVM(条件估值法)的频率最高,3)影响WTP的因素类别中使用频率最高的是价格产品。结论与建议:发表的期刊回答的研究问题越多,研究中经常使用的数据收集方法、测量WTP的方法以及影响WTP的因素就越多。
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引用次数: 0
HEADLINE INFLATION AND CONSUMERS’ CONFIDENCE IN NIGERIA 尼日利亚的总体通货膨胀和消费者信心
Pub Date : 2023-05-29 DOI: 10.20473/jeba.v33i12023.30-39
Felix Aberu
Introduction: The Nigerian economy experienced a significant growth turning point in early 2000 after returning to democratic rule in 1999. Nonetheless, the country's strong economic growth has done little to address the issues such as poverty, inequality, unemployment, the exchange rate, inflation, and interest rate spread. As a result, consumer confidence falls, resulting in lower spending. Methods: The ARDL model was used to highlight the importance of consumer confidence (household spending) and inflation in Nigeria using data from the cbn survey of consumer expectations from 1996 to 2022. Results: The findings show that a unit increase in headline inflation corresponds to a 0.01 increase in consumer confidence, implying that consumers lose 99.99 percent of their confidence at every point of increase in headline inflation, indicating that headline inflation is a core determinant of consumption in Nigeria. Conclusion and suggestion: In light of the study's findings, the federal government should consider raising the nation's minimum wage, among other policy options, in order to increase household consumption expenditures. Furthermore, Nigerian government policies should address disparities in consumption among the citizenries.
简介:尼日利亚经济在1999年回归民主统治后,在2000年初经历了一个重要的增长转折点。尽管如此,该国强劲的经济增长对解决贫困、不平等、失业、汇率、通货膨胀和利差等问题收效甚微。因此,消费者信心下降,导致支出减少。方法:利用1996年至2022年消费者预期的cbn调查数据,使用ARDL模型来突出尼日利亚消费者信心(家庭支出)和通货膨胀的重要性。结果:研究结果表明,总体通货膨胀的单位增长对应于消费者信心的0.01增长,这意味着消费者在总体通货膨胀的每一个增加点都会失去99.99%的信心,这表明总体通货膨胀是尼日利亚消费的核心决定因素。结论和建议:根据这项研究的发现,联邦政府应该考虑提高国家的最低工资,以及其他政策选择,以增加家庭消费支出。此外,尼日利亚政府的政策应解决公民之间的消费差距。
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引用次数: 1
RETESTING OF PROCYCLICALITY IN INDONESIAN SHARIA BANKING DURING THE COVID-19 2019冠状病毒病期间印度尼西亚伊斯兰教银行的顺周期性重新测试
Pub Date : 2023-05-29 DOI: 10.20473/jeba.v33i12023.79-90
Mohamad Rifqi Fathoni, Ries Wulandari, None Zainuri
Introduction: The Covid-19 pandemic is unique because the financial sector is usually affected earlier when a shock occurs, but in this incident, the real industry is more affected. Differences of opinion regarding procyclicality maintain the importance of early indication. Methods: This study aims to reexamine procyclicality in Islamic banking using the VAR/VECM method. Results: The results show that Islamic banks are proxies that support economic development without causing bubbles. Conclusion and suggestion: The avoidance of MAGHRIB (Maysir, Gharar and Riba) ultimately makes Islamic banks have financing characteristics that are different from conventional loans.
导言:新冠肺炎大流行的独特之处在于,当冲击发生时,金融部门通常会更早受到影响,但在这次事件中,实体行业受到的影响更大。关于顺周期性的不同意见维持了早期适应症的重要性。方法:本研究旨在利用VAR/VECM方法重新审视伊斯兰银行的顺周期性。结果:结果表明,伊斯兰银行是支持经济发展而不产生泡沫的代理。结论与建议:对MAGHRIB (Maysir, Gharar和Riba)的规避最终使伊斯兰银行具有了不同于传统贷款的融资特征。
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引用次数: 0
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Jurnal Ekonomi dan Bisnis Airlangga
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