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FAKTOR-FAKTOR YANG MEMPENGARUHI PENGELUARAN KONSUMSI ROKOK PADA RUMAH TANGGA MISKIN DI PROVINSI ACEH Haifa Sari; Sofyan Syahnur; Chenny Seftarita
Jurnal Perspektif Ekonomi Darussalam (Darussalam Journal of Economic Perspec Vol 3, No 2 (2017): Jurnal Perspektif Ekonomi Darussalam
Publisher : Program Studi Ekonomi Islam, Fakultas Ekonomi dan Bisnis - Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (451.296 KB) | DOI: 10.24815/jped.v3i2.8226

Abstract

This research aims to determine the factors that affect cigarette consumption expenditure on poor households as well as to know the pattern of t cigarette consumption expenditure of Aceh’s poor households in 2010 and 2015. The independent variables used are the price of cigarettes, household income, number of adult family members adult, food without cigarettes cunsumption, education expenditure and health expense. The method used is OLS (Ordinary Least Square) using secondary data that Susenas in March 2010 and 2015. The results of this study are the variables household income and food expenditures without cigarettes affecting cigarette consumption expenditure of Aceh’s poor households in 2010. In year 2015 there are two additional variables education expenditures and health expense that affect cigarette consumption expenditures in poor households. Suggested for further research should be able to enter the psicology characteristic variables in poor households with indept study.Penelitian ini bertujuan untuk mengetahui faktor-faktor yang mempengaruhi pengeluaran konsumsi rokok pada rumah tangga miskin serta untuk mengetahui pola pengeluaran konsumsi rokok pada rumah tangga miskin di Aceh tahun 2010 dan 2015. Variabel bebas yang digunakan adalah harga rokok, pendapatan rumah tangga, jumlah anggota rumah tangga dewasa, pengeluaran makanan tanpa rokok, pengeluaran pendidikan dan pengeluaran kesehatan. Metode penelitian yang digunakan adalah OLS (Ordinary Least Square) dengan menggunakan data sekunder yaitu Susenas bulan maret tahun 2010 dan 2015. Hasil penelitian ini adalah variabel pendapatan rumah tangga dan pengeluaran makanan tanpa rokok mempengaruhi pengeluaran konsumsi rokok pada rumah tangga miskin di Aceh tahun 2010. Di tahun 2015 ada penambahan variabel, yaitu pengeluaran pendidikan dan pengeluaran kesehatan yang berpengaruh terhadap pengeluaran konsumsi rokok pada rumah tangga miskin. Disarankan untuk penelitian selanjutnya sebaiknya dapat memasukkan variabel karakteristik variabel karakteristik psikologi pada rumah tangga miskin dengan penelitian yang bersifat mikro (indept study).
ANALISIS PELUANG PENGGUNAAN LAYANAN KEUANGAN DIGITAL (LKD) PADA MASYARAKAT KABUPATEN ACEH BESAR PROVINSI ACEH Chenny Seftarita; Uliya Azra
JURNAL EKOMBIS Vol 3, No 1 (2017) April
Publisher : Universitas Teuku Umar

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (210.207 KB) | DOI: 10.35308/ekombis.v3i1.385

Abstract

This research to determine the willingness of the public who want use digital  financial services. this research was conducted in Aceh Besar Regency  by  taking200 samples randomly in several villages. The model used in this research is a logit model. The results of research showed that of the variable income, distance to the center of the economy, distance to the nearest bank, and a signal service, there is only one variable is significant and positive impact on the desire to use financial services digital, variable distance to the nearest bank while a variable distance to the center of the economy negative and not significant. Based on the research that has been done, a lot of people who  are  less  aware  Financial Services Digital and  some people still make less use of  banking services. Researchers recommended that the government and Bank Indonesia participated socialize the Financial Services Digital.Keyword : Aceh Besar, Digital financial services, Logit modeteks
KORELASI TRANSAKSI E-MONEY DAN PERTUMBUHAN JUMLAH UANG BEREDAR (M2) DI INDONESIA 2010-2019 Siska Azkia; Fakhruddin Fakhruddin; Chenny Seftarita; Ferayanti Ferayanti
EKOMBIS: JURNAL FAKULTAS EKONOMI Vol 7, No 2 (2021): November
Publisher : Universitas Teuku Umar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35308/ekombis.v7i2.4471

Abstract

This study aims to determine the correlation of e-money transactions and the growth of the money supply (M2) in Indonesia 2010-2019. The variables used in this study include the volume of e-money transactions and the money supply (M2). In this study using descriptive quantitative methods. The analytical tool used is Granger Causality where the processing uses the Eviews9 software application, with secondary data consisting of monthly data. The results of this study indicate that the variable M2 seems to significantly affect e-money (5.E-09) because it is smaller than the alpha value of 10% and the e-money variable also significantly affects M2 (0.0004) So it can be concluded that only the e-money variable and M2 which has a two-way causality. This means that the value of M2 transactions in the past can affect the value of e-money in the present, and vice versa, the value of e-money transactions in the past can affect the value of M2 in the present in the 2010-2019 period. So it can be said that people in Indonesia have understood the use of electronic transactions (e-money) or non-cash transactions. In addition, Indonesia is a developing country with a large population, so that when there is a change or an innovation it will quickly develop so that it supports various aspects that are applied. Keywords: E-Money, Jumlah Uang Beredar (M2), Granger Causality.
The Effects of Monetary Variables on the Growth of Small and Medium Industry in Aceh Province Ade Habya Fijay; Vivi Silvia; Chenny Seftarita
International Journal of Quantitative Research and Modeling Vol 2, No 3 (2021)
Publisher : Research Collaboration Community (RCC)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijqrm.v2i3.175

Abstract

This study aims to analyze the effect of inflation, bank credit, and SMI investment on the growth of small and medium industries in Aceh Province. This study uses panel data consisting of 23 districts/cities in Aceh Province during the period 2014 to 2020. The analysis model used in this study is a panel data regression model. The results found in this study are variables that have a significant effect on the growth of SMIs in Aceh Province are inflation and investment in SMIs. Meanwhile, the banking credit variable has not had a statistically significant effect on the growth of SMIs. The inflation variable has a negative and significant effect on the growth of SMIs so that uncontrolled inflation will have a negative impact on the growth of SMIs. Meanwhile, SMI investment has a positive and significant impact on the growth of SMIs so that various targeted investment policies are needed so that they can support the development of SMIs in Aceh Province.
Kausalitas Pertumbuhan Ekonomi Daerah, Suku Bunga, dan Permintaan-Penawaran Kredit: Pemodelan Simultan Suriani Suriani; Chenny Seftarita
Jurnal Samudra Ekonomi dan Bisnis Vol 13 No 1 (2022)
Publisher : Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jseb.v13i1.3962

Abstract

This study analyzes the effect of regional economic growth and interest rates on the demand-supply of credit in Aceh Province. The initial objective of the reduction regression is to analyze the effect of loan to deposit ratios, non-performing loans, loan to value, and interest rates on regional economic growth and the final stage is to investigate the causal relationship between regional economic growth and total loans disbursed in Aceh Province. The data period used is 2011-2014 quarterly. The method used was two-stage least square regression. The regression results indicate that regional economic growth has a positive effect on bank lending. However, interest rates do not affect total lending. The results of the causality test explain that regional economic growth has a causal relationship with credit disbursement. The local governments can improve the regional economy by supporting productive economic funding through banking financial institutions.
FAKTOR-FAKTOR YANG MEMPENGARUHI EFEKTIVITAS DANA DESA Chenny Seftarita; Fakhruddin Fakhruddin; Litbang Bappeda
Jurnal Ekonomi dan Pembangunan Vol 9, No 1 (2018): Jurnal Ekonomi dan Pembangunan
Publisher : Bappeda Provinsi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1657.686 KB) | DOI: 10.22373/jep.v9i1.22

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Penelitian ini bertujuan mengetahui faktor-faktor yang memengaruhi efektivitas dana desa. Data dalam penelitian ini merupakan data cross section (data satu waktu) tahun 2017. Penelitian ini menggunakan data primer dan sekunder dengan metode pengambilan sampelnya dengan area sampling dan stratified random sampling. Peralatan analisis yang digunakan adalah ordinary least square. Berdasarkan hasil penelitian yang dilakukan, pertama persepsi aparat gampong menunjukkan badan usaha milik desa dan manfaat ekonomi lainnya, manfaat dana desa, sisa lebih perhitungan anggaran dan strategi berpengaruh positif dan signifikan terhadap efektivitas dana desa sedangkan tata kelola tidak memiliki pengaruh terhadap efektivitas dana desa. Kedua, persepsi masyarakat menunjukkan badan usaha milik desa dan manfaat ekonomi lainnya, manfaat dana desa, sisa lebih perhitungan anggaran dan strategi tidak berpengaruh terhadap efektivitas dana desa sedangkan tata kelola memiliki pengaruh dan signifikan terhadap efektivitas dana desa.AbstractThis study aims to determine the factors that influence the effectiveness of village funds. The data in this study are cross section data (one time data) in 2017. This study uses primary and secondary data with the sampling method with the sampling area and stratified random sampling. The analytical tool used is ordinary least square. Based on the results of the research conducted, the first perception of village officials showed village-owned enterprises and other economic benefits, benefits of village funds, the remaining more budget and strategy calculations had a positive and significant effect on the effectiveness of village funds while governance had no influence on the effectiveness of village funds. Second, community perceptions show village-owned enterprises and other economic benefits, benefits of village funds, the remaining more budget calculations and strategies have no effect on the effectiveness of village funds while governance has an influence and significance on the effectiveness of village funds. Keywords: capital adequacy ratio, net interest margin, profitabilityKey words: capital adequacy ratio, net interest margin, profitability.
Analysis of The Effect of Monetary Policy on Government Sharia Securities (SBSN) in Indonesia Juaris Juaris; Raja Masbar; Chenny Seftarita
SRIWIJAYA INTERNATIONAL JOURNAL OF DYNAMIC ECONOMICS AND BUSINESS SIJDEB, Vol. 2 No. 2, June 2018
Publisher : Faculty of Economics, Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (360.833 KB) | DOI: 10.29259/sijdeb.v2i2.109-122

Abstract

Outstanding Government Sharia Securities (SBSN) in Indonesia from the first published on 2008 continued to experience significant growth. Monetary indicators often associated with capital markets are inflation, exchange rate and interest rate (BI Rate) show a fluctuating pattern, these factors can inhibitSBSN growth.This study aims to analyze the effect of monetary policy(inflation, exchange rate and BI Rate) on Government Sharia Securities (SBSN) and the contribution of Government Sharia Securities (SBSN) tothe state budget(APBN). Using monthly time series data from January 2010 until July 2016 and Autoregressive Distributed Lag (ARDL), the estimation results conclude that there is a co-integration in the models studied. While the estimation result of ARDL shows in the long term, exchange rate significantly has an effect on SBSN. While inflation and BI Rate have no significant effect on SBSN either in the short or long term. This study also shows the positive contribution of SBSN as deficit financing and development project. Therefore, the government must optimize the state sukuk by increasing the issuance of state sukuk in the structure of the state budget and supported by the control of inflation and exchange rate. For investors can take advantage of the state sukuk to invest, this is consistent with the insignificant effect of interest rate so that the investment is safe with sharia principles.
The Effectiveness of Monetary Policy and the Effect of Global Economic Shock on Net Financial Accounts in Indonesia Chenny Seftarita; Ferayanti ferayanti; Suriani Suriani
MIMBAR (Jurnal Sosial dan Pembangunan) Volume 38, No. 1, (June, 2022) [Accredited Sinta 2] No 10/E/KPT/2019]
Publisher : Universitas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (529.93 KB) | DOI: 10.29313/mimbar.v0i0.8413

Abstract

The majority of recent research has looked at the effect of the crisis on capital flows. Using Indonesia as a case study, this study examines the efficacy of monetary policy and the impact of global economic shocks on the Net Financial Account, a component of the Balance of Payments, from 1989 to 2020. Dummy variables were used to assess global economic shocks for three crisis periods: the Asian financial crisis in 1998, the global financial crisis in 2008, and the Covid-19 pandemic, which has been ongoing since the end of 2019. The Autoregressive Distributed Lag (ARDL) model was used to examine the long-term and short-term relationships between variables. The findings of the calculation reveal that all variables, that is, monetary policy and global economic shocks, have a short-term and long-term relationship with the Net Financial Account. It is advised that the government and monetary authorities continue to improve economic fundamentals, including financial system stability. 
Determinants of Islamic Banks' Net Income in Middle Eastern Countries Dewi Ayu Muliani; Suriani Suriani; Chenny Seftarita
Share: Jurnal Ekonomi dan Keuangan Islam Vol 11, No 2 (2022)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v11i2.15054

Abstract

ABSTRACT – Income is one of the most important performance indicators for Islamic banks; the higher the income, the better their performances. Among all Islamic financial institutions worldwide, Islamic banks in the Middle East are listed as having the largest assets and income. This study examined how inflation, total assets, foreign investment (FDI), and gross domestic product (GDP) affect Islamic bank net income in the Middle East. The research objects are Islamic banks in the Middle East, with the criteria being the oldest Islamic banks with the largest assets, as determined by the IFSB report. The data were collected on an annual basis (2005-2021) and analyzed with the Panel Vectorautoregressive method. The results show that the current income of Islamic banks will have both positive and negative effects one year earlier. Meanwhile, gross domestic product had a negative impact on the net income of Islamic banks in Middle Eastern countries during the previous two years, whereas total assets had a positive impact during the same time period. In addition, neither inflation nor FDI has any effect on net income. The accumulated assets of Islamic banks in the Middle East are substantial and can be used to increase their net income. Additionally, the GDP has a negative impact on the net income of Islamic banks. This demonstrates that enhancement income from the public did not flow to Islamic banks, but rather was redirected to safer, more profitable, and less risky sectors, such as mutual funds, real estate, and stocks. Therefore, an increase in GDP as well as total assets is necessary in order to increase Islamic banks' net income in the Middle East.========================================================================================================ABSTRAK – Determinan Pendapatan Bersih Bank Syariah di Negara Timur Tengah. Pendapatan adalah salah satu indikator kinerja yang penting bagi bank syariah dimana semakin tinggi nilai incomenya, semakin baik pula kinerjanya. Di antara semua lembaga keuangan syariah di dunia, bank-bank syariah di Timur Tengah tercatat memiliki aset dan pendapatan terbesar. Penelitian ini bertujuan mengindentifikasi pengaruh inflasi, total aset, penanaman modal asing, dan produk domestik bruto (PDB) terhadap pendapatan bersih bank syariah di Timur Tengah. Objek penelitian adalah bank syariah di Timur Tengah dengan kriteria menjadi bank tertua dengan aset terbesar yang ditentukan oleh laporan IFSB. Data dikumpulkan secara tahunan (2005-2021) dan dianalisis dengan metode Panel Vectorautoregessive. Hasil kajian menunjukkan bahwa pendapatan bank syariah saat ini akan memiliki efek positif dan negatif satu tahun sebelumnya. Sementara itu, produk domestik bruto berdampak negatif terhadap pendapatan bersih bank syariah di negara-negara Timur Tengah selama dua tahun sebelumnya, sedangkan total aset berdampak positif dalam periode yang sama. Selain itu, baik inflasi maupun penanaman modal asing tidak berpengaruh terhadap pendapatan bersih. Akumulasi aset bank syariah di Timur Tengah sangat besar dan dapat digunakan untuk meningkatkan pendapatan bersih mereka. Kajian juga menunjukkan bahwa PDB memiliki dampak negatif terhadap pendapatan bersih bank syariah. Hasil ini mengindikasikan bahwa pendapatan masyarakat tidak masuk ke bank-bank syariah, tetapi mengalir ke sektor-sektor yang lebih aman, menguntungkan, dan kurang berisiko, seperti reksa dana, real estate, dan saham. Oleh karena itu, peningkatan PDB serta total aset diperlukan untuk meningkatkan laba bersih bank syariah di Timur Tengah.