
At the Center for Excellence in Fintech and Banking UNS, our Research and Survey division stands as the backbone of innovation, combining academic rigor with industry relevance to address pressing challenges in the financial sector. We specialize in empirical studies, large-scale surveys, and feasibility analyses, covering critical areas such as digital financial inclusion, Islamic banking resilience, fintech adoption, and economic recovery post-pandemic. Collaborating with global institutions like the European Commission (ERASMUS+), Bank Indonesia, and Harvard University, our research outputs are published in top-tier Scopus-indexed journals, including Journal of Financial Stability, British Accounting Review, and Research in International Business and Finance. These studies not only shape national policies—such as Indonesia’s Islamic bank spin-off regulations—but also guide industry practices worldwide. With over 80 Scopus publications and participation in international grants, we bridge theoretical insights with actionable solutions. Join us in pioneering research that redefines the future of finance.
Year | Partner | Field | Title | Output | Category |
---|---|---|---|---|---|
2024 | Indonesia Deposit Insurance Corporation (LPS) | Research (Survey Methodology) | Depositor Trust Index 2024 | On going, target 2,000 bank depositors in Jakarta, West Java, Central Java and Yogyakarta | Research and Survey |
2024 | Bank Indonesia Institute | Research (Survey Methodology, Empirical Study) | The MSMEs Digital Adoption 2024 | On going, target 10,000 MSMEs all around Indonesia | Research and Survey |
2024 | Asian Institute of Digital Finance, National University of Singapore | Research (Survey Methodology, Empirical Study) | Understanding Financing Hindrances in the Agricultural Sector in Southeast Asia | On going, target 3,000 farmers in Java Island | Research and Survey |
2024 | University of Southampton | Research (Survey Methodology, Empirical Study) | Small Business Loan and Repayment Sustainability | On going, target 1,000 MSMEs in Java Island | Research and Survey |
2024 | Universitas Gadjah Mada | Research (Survey Methodology, Empirical Study) | Household Digital Behavior in Indonesia | On going, target 1,000 MSMEs all around Indonesia | Research and Survey |
2024 | Universitas Syiah Kuala | Research (Survey Methodology, Empirical Study) | Household Digital Behavior in Indonesia | On going, target 1,000 MSMEs all around Indonesia | Research and Survey |
2024 | Komisi Pemberantasan Korupsi (KPK) | Research (Survey Methodology) | Indonesia Integrity Evaluation Survey 2024 | On going, survey in 18 local governments in Central Java | Research and Survey |
2024 | Indonesia Financial Service Authority (OJK) | Research (Survey Methodology, Empirical Study) | Survey of Stakeholders' Satisfaction | On going | Research and Survey |
2023 | Hutama Karya Persero | Research | BUMN Karya Financial Performance Analysis | Project report consisting of analysis result and recommendation. | Research and Survey |
2023 | Indonesia Deposit Insurance Corporation (LPS) | Research (Survey Methodology) | Depositor Trust Index 2023 | More than 2,000 respondents in Jakarta, West Java, Central Java and Yogyakarta, Index of: a. depositor trust to banking industry, b. depositor trust to banks and, c. depositor trust to deposit insurance program. | Research and Survey |
2023 | Badan Pengelola Keuangan Haji (BPKH) | Research (Survey Methodology, Feasibility Study) | Business Digital Potential in Hajj Ecosystem through Sharia E-Commerce as BPKH Business Platform | Total 2,000 respondents in all around Indonesia, Project report consisting of survey analysis result and recommendation. | Research and Survey |
2023 | Bank Indonesia Institute | Research (Empirical Study, Survey) | The Adoption of Digital Technology, SMEs Performance, and Behavioral Changes in the New Normal | Total 5,000 respondents in 17 provinces in Indonesia, Project report consisting of survey analysis result and recommendation. | Research and Survey |
2023 | Ministry of Education, Culture, Research and Technology & Segara Research Institute | Research (Survey Methodology) | Merdeka Belajar Kampus Merdeka Program Evaluation in Higher Education in Indonesia | Total 62 universities in Indonesia as respondents, Project report consisting of survey analysis result and recommendation. | Research and Survey |
2023 | Ministry of Education, Culture, Research and Technology & Segara Research Institute | Research (Survey Methodology) | The Effectiveness of Kemendikbudristek Digital Platform and Application in Supporting Education Ecosystem in Indonesia | More than 3,700 respondents (head of schools, teachers, lecturers, and partners), Project report consisting of survey analysis result and recommendation. | Research and Survey |
2023 | Pemerintah Kota Surakarta (Badan Pendapatan Daerah) | Research (Survey Methodology) | SADAR PAJAK (Satu Data Retribusi dan Pajak Daerah dalam Satu Petak) | Total 10,000 tax subjects as respondents in Surakarta, Project report consisting of survey analysis result and recommendation. | Research and Survey |
2023 | Universiti Malaya, Malaysia | Research (Empirical Study) | Human capital development and income inequality in Indonesia: Evidence from a nonlinear autoregressive distributed lag (NARDL) analysis | Research publication in Cogent Economics & Finance (Q3 Scopus Index Journal) | Research and Survey |
2023 | Universiti Putra Malaysia | Research (Empirical Study) | Non-linearity and the threshold effect of transparency on economic growth: evidence from developing countries | Research publication in Journal of Economic Policy Reform (Q1 Scopus Index Journal) | Research and Survey |
2023 | Badan Pengawasan Keuangan dan Pembangunan (BPKP) | Research | Study of State, Regional, and Village Financial Accountability as Supervisory Priority Agenda | Executive Summary containing policy recommendations to local government. | Research and Survey |
2022 | Indonesia Financial Service Authority (OJK) | Research (Survey Methodology) | Financial Service Landscape in Central Java | Total 5,000 respondents in Central Java, Project report consisting of survey analysis result and recommendation. | Research and Survey |
2022 | Bank Jateng | Research (Feasibility Study) | Bank Jateng Acquisition Feasilibity Study | Project report consisting of analysis result based on micro and micro situation, financial performance, risk, reputation and recommendation. | Research and Survey |
2022 | Bank Jateng | Research (Survey Methodology) | Bank Jateng Credit Card Business Potential Analysis | Total 2,000 respondents in Central Java, Project report consisting of survey analysis result and recommendation. | Research and Survey |
2022 | Indonesia Deposit Insurance Corporation (LPS) | Research (Survey Methodology) | Depositor Trust Index 2022 | More than 2,000 respondents in Jakarta, West Java, Central Java and Yogyakarta, Index of: d. depositor trust to banking industry, e. depositor trust to banks and, f. depositor trust to deposit insurance program. | Research and Survey |
2022 | Universiti Malaysia Sarawak | Research (Empirical Study) | Impact of Covid-19, Financial Stability and Economic Recovery Path | Research publication in Studies in Economics and Finance (Q2 Scopus Index Journal) | Research and Survey |
2022 | Davis Center for Russian and Eurasian Studies Harvard University, USA | Research (Empirical Study) | Impact of Covid-19, Financial Stability and Economic Recovery Path | Research publication in Studies in Economics and Finance (Q2 Scopus Index Journal) | Research and Survey |
2022 | Universiti Putra Malaysia | Research (Empirical Study) | Non-linearity and the threshold effect of transparency on economic growth: evidence from developing countries | Research publication in Journal of Economic Policy Reform (Q1 Scopus Index Journal) | Research and Survey |
2022 | Universiti Malaya, Malaysia | Research (Empirical Study) | Human capital development and income inequality in Indonesia: Evidence from a nonlinear autoregressive distributed lag (NARDL) analysis | Research publication in Cogent Economics & Finance (Q3 Scopus Index Journal) | Research and Survey |
2021 | Indonesia Deposit Insurance Corporation (LPS) | Research (Survey Methodology) | Depositor Trust Index 2021 | Total 1,000 respondents all around Indonesia, Index of: a. depositor trust to banking industry, b. depositor trust to banks and, c. depositor trust to deposit insurance program. | Research and Survey |
2021 | Indonesia Financial Service Authority Institute (OJK Institute) | Research (Survey Methodology) | Digital Literacy and Readiness Level of Micro Financial Institutions and MSMEs in Indonesia | Total 6,000 respondents (5,000 MSMEs & 1,000 Micro Financial Institution) from Jawa, Sumatera, Kalimantan, Nusa Tenggara, Project report consisting of survey analysis result and recommendation. | Research and Survey |
2021 | Indonesia Financial Service Authority Institute (OJK Institute) | Research (Survey Methodology) | The Phenomenon of Credit Decline during the Pandemic: Does Credit Crunch Occur? | Total 1,000 respondents all around Indonesia, Project report consisting of survey analysis result and recommendation | Research and Survey |
2021 | Bank Indonesia | Research (Empirical Study) | A Sustainable and Inclusive Economy Development: The Role of Digitalization in MSMEs, Sharia Economy and Green Economy | Research publication | Research and Survey |
2021 | Erasmus+ Programme of the European Union | Research, Education, Training | Optimizing Research & Doctoral Programs in Banking and Finance in Indonesia Universities | Exchange best practice for research management, Exchange for staffs and researchers, Several research publications on Finance and Banking collaborating with European partner universities. | Research and Survey |
2021 | Universiti Putra Malaysia | Research (Empirical Study) | Does too Much Transparency Good or Harm for Economic Growth in Developing Countries? Evidence from Panel Data Analysis | Research publication in: a. Jurnal Ekonomi Malaysia (Q3 Scopus Index Journal), b. Research in International Business and Finance (Q1 Scopus Index Journal) | Research and Survey |
2021 | Universiti Putra Malaysia | Research (Empirical Study) | The Impact of Foreign Direct Investment on Environmental Degradation in Developing Countries: Does Institutional Quality Matter? | Research publication in International Journal of Monetary Economy and Finance (Q4 Scopus Index Journal) | Research and Survey |
2020 | Erasmus+ Programme of the European Union | Research, Education, Training | Optimizing Research & Doctoral Programs in Banking and Finance in Indonesia Universities | Exchange best practice for research management, Exchange for staffs and researchers, Several research publications on Finance and Banking collaborating with European partner universities. | Research and Survey |
2020 | Indonesia Deposit Insurance Corporation (LPS) | Research (Survey Methodology) | Depositor Trust Index 2020 | Total 1,000 respondents all around Indonesia, Index of: a. depositor trust to banking industry, b. depositor trust to banks and, c. depositor trust to deposit insurance program. Research publication in Research in International Business and Finance (Q1 Scopus Index Journal) | Research and Survey |
2020 | Indonesia Financial Service Authority (OJK) | Policy Research (Empirical Study) | Is Spin-Off Policy an Effective Way to Strengthen the Role of Islamic Banks? | Research publication in Research in International Business and Finance (Q1 Scopus Index Journal), the result is considered as one of the supporting evidence in the spin-off of Islamic banks | Research and Survey |
2020 | Indonesia Financial Service Authority (OJK) | Research (Survey Methodology) | The Effectiveness of Kredit Usaha Rakyat in Increasing Financial Inclusion | Total 3,000 respondents (Sumatera, Jawa, Sulawesi), Project report consisting of survey analysis result and recommendation. | Research and Survey |
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