Article Per Year (5 Year)
p-Index From 2019 - 2024
1.497
P-Index
This Author published in this journals
All Journal Ekuitas: Jurnal Pendidikan Ekonomi International Journal of Local Economic Governance Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah Jurnal SIKAP (Sistem Informasi, Keuangan, Auditing Dan Perpajakan) CARADDE: Jurnal Pengabdian Kepada Masyarakat Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Journal of Interdisciplinary Socio-Economic and Community Study TRANSAKSI DIKTUM: JURNAL SYARIAH DAN HUKUM
Santi Merlinda
Universitas Negeri Malang
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

Published : 10 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 10 Documents
Search

 1 
The Millennial’s Investment Decisions: Implications of Financial Literacy, Motivation, and Digitalization Purnamasari, Vidya; Merlinda, Santi; Narmaditya, Bagus Shandy; Irwansyah, M. Rudi
Ekuitas: Jurnal Pendidikan Ekonomi Vol 9, No 2 (2021)
Publisher : Fakultas Ekonomi Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ekuitas.v9i2.39328

Abstract

Investment as a means of developing assets is no longer a luxury activity reserved for a select few. Nowadays, as financial technology advances, everyone has equal access to investment information. This change generates new perspectives in which investing is not restricted to the wealthy, leading everyone, even on-budget millennials to be investors. The purpose of this research is to determine the variables affecting investing decisions at an early age, especially among millennials. This research adopted single-equation regression models to examine the dependent variable on several explanatory variables and estimate mean or average value. The data was generated using a questionnaire to 140 respondents. Three distinct variables utilized as independent variables are financial literacy, motivation, and the digitization of investing platforms. The findings indicate that financial literacy and motivation substantially affect millennials’ investment decisions, while digitization presents no correlation to the Millennials’ investment decisions.
The Determinant of Moslem’s Decision in Performing Commerce Zakat Payment: Case Study in Malang City, East Java Province Santi Merlinda; Umar Burhan; Marlina Ekawaty
e-2477-1929
Publisher : Institute of Research and Community Service, University of Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (830.631 KB) | DOI: 10.21776/ub.ijleg.2016.002.01.7

Abstract

Zakat has known as one of the vital instrument in economic that holds some benefits for increasing aggregate demand, expanding job opportunities, reducing poverty and triggering economic growth. As one of the large cities in East Java Province, Malang has a potential issue through commerce zakat which most of the people’s livelihood engaged to and composition of regional income (PDRB) is dominated by a commerce sector. On the other hand, it is not supported by the real condition in the field that shows the opposite compared to the low percentage of commerce Zakat payer. Based on the reason, the author is triggered to investigate and to elaborate the complexity of Moslem’s decision in performing commerce zakat payment. This research relies on Multistage Sampling Method involved 100 participants by taking location at Malang. Furthermore, the accumulated data field is analyzed through Logit Method to identify the influential factor of the decision in Zakat payment. Processed data binary logit regression determines the most influential factor of Moslem’s decision in performing commerce zakat payment in Malang which relies on the level of income and their knowledge about Zakat’s scheme. According to this result, businessmen or traders who have high income level and moderate comprehension of laws, percentage, extrapolation, nisab, and paying period of commerce zakat have bridged up into a higher probability to perform commerce zakat. Whereas level of age, formal education, non-formal education, motivation, availability of Amil Zakat Institution (LAZ) and business period do not affect the decisions.Keywords: decision to perform Zakat, Commerce Zakat, Logit Analysis, Malang City
The Millennial’s Investment Decisions: Implications of Financial Literacy, Motivation, and Digitalization Vidya Purnamasari; Santi Merlinda; Bagus Shandy Narmaditya; M. Rudi Irwansyah
Ekuitas: Jurnal Pendidikan Ekonomi Vol. 9 No. 2 (2021)
Publisher : Fakultas Ekonomi Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ekuitas.v9i2.39328

Abstract

Investment as a means of developing assets is no longer a luxury activity reserved for a select few. Nowadays, as financial technology advances, everyone has equal access to investment information. This change generates new perspectives in which investing is not restricted to the wealthy, leading everyone, even on-budget millennials to be investors. The purpose of this research is to determine the variables affecting investing decisions at an early age, especially among millennials. This research adopted single-equation regression models to examine the dependent variable on several explanatory variables and estimate mean or average value. The data was generated using a questionnaire to 140 respondents. Three distinct variables utilized as independent variables are financial literacy, motivation, and the digitization of investing platforms. The findings indicate that financial literacy and motivation substantially affect millennials’ investment decisions, while digitization presents no correlation to the Millennials’ investment decisions.
Mukhabarah: Profit Loss Sharing Financing Scheme in Agricultural Land Management (Study in Tumpang District) Santi Merlinda; Vidya Purnamasari; Ahmad Fawaiq Suwanan; Syahrul Munir
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 13, No 2 (2021)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v13i2.9121

Abstract

Schemes in the management of agricultural land are very diverse, ranging from self-management and cooperation through mukhabarah, muzara'ah contracts to rental systems. This paper aims to precisely determine the scheme of cooperation in the management of agricultural land in Tumpang District. The most frequently used of the several land management cooperation schemes is mukhabarah, which benefits both landowners and smallholders. The approach used is qualitative, with a case study method. The population in this study were all agricultural landowners in Tumpang District, and the sample used was landowners who used the mukhabarah scheme. Then, the instrument in this study was in-depth interviews conducted on smallholders and landowners. This study indicates that the mukhabarah scheme provides higher income to landowners compared to the rental system. Meanwhile, from the side of smallholders, the mukhabarah scheme provides and opens job opportunities and increases income from land management. Another trivial thing but becomes an important point is that landowners and sharecroppers can still share agricultural products with residents/neighbors through this scheme.
Analisis Peran dan Tantangan Sukuk Hijau Bagi Ketahanan Perubahan Iklim Pada Wilayah Rentan Selama Pandemi Covid-19 Ahmad Fawaiq Suwanan; Syahrul Munir; Santi Merlinda
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 4 (2022): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (452.529 KB) | DOI: 10.47467/alkharaj.v4i4.767

Abstract

Sovereign Sukuk has become a promising instrument for a country to overcome difficulties in financing government projects. Sukuk is a financial instrument for the Islamic capital market with a low level of risk. Green sukuk becomes popular since most of the conventional investment activities ignore the environment aspect. Starting in 2018, Indonesian government has developed a green sukuk scheme as a financing instrument for environmentally friendly projects to reduce the impact of global climate change. This study aims to analyze the role and challenges of green sukuk for climate change resilience in highly vulnerable areas during the Covid-19 crisis. This study is conducted through a qualitative method with a phenomenological approach. Data collections are carried out through literature studies and case studies on some climate projects in highly vulnerable areas in Indonesia. The results show that during the Covid-19 pandemic, green sukuk has contributed an important impact for climate change resilience in highly vulnerable areas. There are some challenges in the development of green sukuk. The lack of awareness of social risks as well as environmental risks have become main challenges. In the future, the decision policy makers should provide greater incentives and a more inclusive legal umbrella for green financing schemes.
Pelatihan Penyusunan Rencana Kerja Pemerintah Desa (RKPDes) Santi Merlinda; Ermita Yusida; Muhammad Hasyim Ibnu Abbas; Agus Sumanto
CARADDE: Jurnal Pengabdian Kepada Masyarakat Vol. 3 No. 3 (2021): April
Publisher : Ilin Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31960/caradde.v3i3.699

Abstract

Community service activities in the form of assistance and training for the preparation of RKPDes for government and community elements in Benjor Village aim to improve comprehensive development planning to achieve development goals. The method used was dissemination and training from the implementation team accompanied by practical activity programming. The results achieved in this activity were implementing training activities and assistance for the preparation of the RKP for Benjor Village. Through this activity, the participant's understanding of the preparation of the RKPDes increased, as evidenced by the ability to formulate programs and activities with targets based on development priorities. Additionally, there was also criticism of the 2020 planning document in this activity, which could be used as input for the development planning document for the following year. Overall, most of the participants stated that this training was helpful and that assistance was needed to prepare the RKPDes.
Persepsi WPOP Terhadap Etika Penggelapan Pajak Elmira Mufliha Camila; Maya Rizki Azifah; Santi Merlinda
Jurnal SIKAP (Sistem Informasi, Keuangan, Auditing Dan Perpajakan) Vol 6, No 1 (2021): Oktober
Publisher : Universitas Sangga Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32897/jsikap.v6i1.577

Abstract

Tujuan dari penelitian ini yaitu untuk mengetahui pengaruh keadilan, diskriminasi, sistem perpajakan, sanksi, dan reward terhadap etika penggelapan pajak. Penelitian ini merupakan penelitian kuantitatif dengan menggunakan data primer dan diukur menggunakan skala likert. Teknik pengumpulan data menggunakan google form yang disebar kepada wajib pajak orang pribadi di Kota Malang. Teknik pengambilan sampel dalam penelitian ini menggunakan purposive sampling dengan jumlah sample sebanyak 50 orang.  Analisis data dalam penelitian ini menggunakan metode SEM-PLS dengan software WarpPLS 7.0. Hasil dari pengujian ini yaitu keadilan berpengaruh positif dan signifikan terhadap etika penggelapan pajak, diskriminasi berpengaruh positif dan tidak signifikan terhadap etika penggelapan pajak. sistem perpajakan berpengaruh positif dan tidak signifikan terhadap etika penggelapan pajak, sanksi berpengaruh positif dan signifikan terhadap etika penggelapan pajak. reward berpengaruh negative dan signifikan terhadap etika penggelapan pajak. 
KEBIJAKAN PUBLIK DAN DAMPAKNYA TERHADAP AKTIVITAS PEDAGANG KAKI LIMA (PKL): STUDI KASUS DI KOTA BATU Ermita Yusida; Sugeng Hadi Utomo; Vika Annisa Qurrata Annisa Qurrata; Linda Seprillina; Santi Merlinda; Muhammad Hasyim Ibnu Abbas
TRANSAKSI Vol 11 No 1 (2019): TRANSAKSI
Publisher : Program Studi Ilmu Administrasi Bisnis, FIABIKOM, Unika Atma Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Pertumbuhan wilayah di Indonesia berkaitan erat dengan sektor informal, salah satu sektor informal yang berkembang pesat yaitu Pedagang Kaki Lima (PKL). Namun keberadaan PKL memiliki sisi positif dan negatif, sisi positifnya, PKL mampu menciptakan lapangan pekerjaan, sedangkan sisi negatifnya keberadaan PKL yang tidak tertib justru menjadi beban bagi kota. Untuk mengakomodasi kedua hal tersebut, maka pemerinah daerah dalam menyususn kebijakan publiknya harus memperhitungkan keberadaan PKL. Penelitian ini bertujuan untuk melihat bagaimana dampak kebijakan publik pemerintah kota Batu dalam menyususn tata ruang kota terhadap aktifitas PKL. Metode yang digunakan dalam penelitian ini yaitu kualitatif melalui indepth interview dengan PKL di Alun –alun kota Batu, Pemerintah kota Batu, dan pembeli di sekitar alun-alun kota Batu. Berdasarkan hasil penelitian, ketika pemerintah membuat kebijakan publik dengan cara merelokasi PKL ke tempat yang sudah disediakan, hal ini tidak dipatuhi oleh PKL. Masih banyak PKL yang tetap berada di bundaran alun-alun. Sesuai dengan penuturan PKL, mereka pada dasarnya bersedia pindah, namun tempat yang disediakan oleh pemerintah tidak dapat menampung semua PKL yang ada, sehingga tempat baru tersebut cenderung sepi. Oleh karena itu PKL kembali di bundaran alun-alun. Berdasarkan temuan ini, pemerintah sebaiknya lebih matang dalam pengelolaan tata kota serta lebih aktif untuk berdiskusi dengan PKL.
Peranan Pemerintah melalui Intervensi Pasar dalam Perspektif Islam Santi Merlinda; Riqa Aniqa Helma Alam; Qorry Anggita Rishaq
DIKTUM: Jurnal Syariah dan Hukum Vol 20 No 1 (2022): DIKTUM: Jurnal Syariah dan Hukum
Publisher : Fakultas Syariah dan Hukum Islam Institut Agama Islam Negeri (IAIN) Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (675.803 KB) | DOI: 10.35905/diktum.v20i1.1837

Abstract

The increased world crude oil prices (BBM) caused the soaring price of fuel oil in Indonesia in 2011. The rise in fuel prices multiplies in all sectors of the economy, from transportation and production costs to inflation. This study aims to know Government Intervention in the market from an Islamic Perspective in the case of rising fuel prices in Indonesia, through a qualitative approach, with case studies and documentary methods. In this case, the Indonesian government intervened by setting prices for several fuel commodities such as diesel, premium and pertalite. The government's role in fuel price intervention is permitted from an Islamic perspective, as long as it aims to increase the benefit of the community and protect the people's interests, such as reducing costs.
Acceleration of Organic Vegetables as a Leading Product of Subsidy Housing through Integrated Marketing Communication Sugeng Hadi Utomo; Santi Merlinda; Ermita Yusida; Vika Annisa Qurrata
Journal of Interdisciplinary Socio-Economic and Community Study Vol. 2 No. 2 (2022): December 2022
Publisher : Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/jiscos.02.02.01

Abstract

The purpose of the service is to increase the added value of products on organic vegetables in  the Perumahan Bulan Terang Utama, Malang City.  Organic and superior vegetable products in the Perumahan Bulan Terang Utama include mustard greens, chilies, telang flowers. The activity is based on the concept of integrated marketing communication through 7P (Product, Promotion, Price (Distribution Channel), Place, People (HR), Process, Physical Evidence or Packaging. In this activity, the object of service was assisted in the form of mica, vegetable plastic and product branding stickers, and product logo branding to increase value-added and consumer interest in organic vegetables. In addition, another goal is to increase the branding of organic vegetable production to increase the market share and income of the managers (Botanical Garden community).  Through the training and assistance provided, it is hoped that it can increase the productivity of organic vegetables and inspire communities in other regions to care about the environment and the style of healthy living.  
Co-Authors Abbas, Muhammad Hasyim Ibnu Agus Sumanto Ahmad Fawaiq Suwanan Bagus Shandy Narmaditya Elmira Mufliha Camila Ermita Yusida Linda Seprillina M. Rudi Irwansyah Marlina Ekawaty Maya Rizki Azifah Qorry Anggita Rishaq Qurrata, Vika Annisa Riqa Aniqa Helma Alam Sugeng Hadi Utomo Syahrul Munir Umar Burhan Vidya Purnamasari