The purpose of this research is to measure efficiency level of sharia banking in Malysia and Indonesia countries and to analyze the factors affecting the level of efficiency of sharia banking for both countries. This reseach uses DEA (Data Envelopment Analysis) method in order to test the assumptions of Variabel Return to Scale (VRS), and uses Kolmogorov-Smirnov and Mann Whitney U-Test in order to test normality, and uses regression dummy variable of the data from the first quarter of 2011 until the fourth quarter of 2014. The research shows overall level of efficiency of sharia banking in Malaysia and Indonesia countries are fluctuating. Based on result, sharia banking in Indonesia more efficient than sharia banking in Malaysia; However, there is no significant differences among them. The reasons of this inefficiency are deposits, total  financing, fixed asset, and personnel cost. However, operational income is the most efficient variabel for both countriesDOI:  10.15408/sjie.v5i1.3129

Potential and Marketing Strategy of Islamic Banking in Indonesia's Middle Class Segment. Group of middle-class society is a tremendous market for Islamic business, especially Islamic banking. The fact that the majority of Indonesia's population is Muslim, Islamic business institutions should work on the mid-market segment earnestly. The potential of middle class development in Indonesia gives an opportunity for Islamic banks to compete in the market. Various characteristics of the middle class used as a valuable input in conducting market segmentation, targets, and formulate strategies to create the accepted products.

This study seeks to see the relationship between the human development index (HDI) and gross regional domestic product (GRDP) variables on the happiness of economic growth data for provinces in Indonesia. The method used in this research is regression and path analysis.  This study proves that happiness is not caused by the income (GRDP) of a region but rather significantly by one of the dimensions of HDI, namely the education dimension. The relationship through the variable between using path analysis through the indirect effect of the GRDP intermediary also significantly affects the education dimension. About 60% of the variable quality of education plays a role in happiness. If the effect is through an intermediary variable, the real influence of the variable quality of education on happiness is 65%. Other variables such as health and economy, directly or indirectly, do not significantly affect the level of happiness.JEL Classification: I3, E5, R10How to Cite:Rizal, S., & Fitrianto, A. (2021). Can Revenue and Human Development Promote Happiness: Study on Provinces in Indonesia. Signifikan: Jurnal Ilmu Ekonomi, 10(1), 113-128. https://doi.org/10.15408/sjie.v10i1.17600.

Meeting Point and Sinergy of Islamic and Populist Economy.In fact, Islamic and populist economy have the same objective: they are welfare and fairness for all people. In Islam, the economical welfare and the fairness must be based on Islamic norms and ethics. Koperasi is a populist economic institution that has been long existed in Indonesia. Koperasi is the main institution that is expected by the founders of this nation as a tool of economical equality and fairness. At the concept of implementation level, koperasi has a lot of compatybility with the appropiate institutions of economic empowerment of Islam. Abstrak: Titik Temu dan Sinergi Ekonomi Islam dan Ekonomi Kerakyatan.Ekonomi Islam dan ekonomi kerakyatan sesungguhnya mempunyai tujuan yang sama, yaitu kesejahteraan dan keadilan dalam ekonomi bagi semua orang. Menurut Islam, keadilan dan kesejahteran dalam kehidupan ekonomi harus berlandaskan norma dan etika Islam, sehingga semua sistem ekonomi tersebut berjalan sesuai dengan syariat Islam. Ekonomi kerakyatan di Indonesia sudah berjalan sejak lama dengan institusi yang sudah dirancang, yaitu koperasi. Koperasi merupakan ujung tombak yang diharapkan oleh para pendiri bangsa ini sebagai alat untuk pemerataan dan keadilan ekonomi. Pada tataran konsep dan pelaksanaan, institusi koperasi mempunyai banyak kesesuaian dengan institusi pemberdayaan ekonomi yang diharapkan Islam.Kata Kunci: ekonomi Islam, ekonomi kerakyatan, koperasi syariah Naskah diterima

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