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All Journal EKONOMIS : Journal of Economics and Business JOURNAL OF APPLIED ACCOUNTING AND TAXATION Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Management Studies and Entrepreneurship Journal (MSEJ) Madaniya Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam
Lia Amaliawiati
Universitas Widyatama
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences

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Inflation, Leverage, and Company Size and Their Effect on Profitability Nugi Mohammad Nugraha; Annisa Arifianti Ramadhanti; Lia Amaliawiati
Journal of Applied Accounting and Taxation Vol 6 No 1 (2021): Journal of Applied Accounting and Taxation (JAAT)
Publisher : Pusat P2M Politeknik Negeri Batam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30871/jaat.v6i1.2854

Abstract

The purpose of this study was to determine the effect of inflation, leverage, and company size on profitability in the plantation sub-sector companies listed on the Indonesia Stock Exchange for the period 2014-2018 either simultaneously or partially. This type of research is applied research with a quantitative approach. The research method used in this research is descriptive and verification methods. This study uses panel data regression analysis as a tool to process and analyze data because the data used is a combination of time series data and cross-section data. The data collection technique in this study uses library research and internet research. The data used in this study is a type of secondary data in the form of financial statements of plantation companies listed on the IDX from the 2014-2018 period. The population of this study was all plantation sub-sector companies listed on the Indonesia Stock Exchange, totaling 16 companies. The sample of this study was 14 companies obtained by purposive sampling. The results of this study indicate that simultaneously inflation, leverage, and firm size affect profitability. Partially leverage and company size do not affect profitability while leverage partially affects profitability. The value of the coefficient of determination (Adjusted R-squared) of 0.146134 or 14.61% indicates that variations in inflation, leverage, and company size have an effect of 14.61% on variations in profitability. While the remaining 0.853866 or 85.36% is influenced by variations in other variables not observed in this study.
Analisis Variabel Makro Ekonomi terhadap Dana Pihak Ketiga Bank Syariah Indonesia Sebelum dan Masa Covid-19: Pendekatan Error Correction Models (ECM) Lia Amaliawiati; Farida Nursjanti
Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Vol 9 No 1 (2023): Januari 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/iqtishodiyah.v9i1.889

Abstract

ABSTRACT The purpose of this study was to examine the effect of macroeconomic variables on Islamic bank deposits in Indonesia, both in the short and long term, before and during the Covid-19 period. Macroeconomic variables were proxied by the level of yields, inflation, interest rates, and production growth. This study used times series data for the period 2019.1–2022.08 by including a dummy variable. In the first stage, the data stationarity test was carried out using the unit root test and the results showed that the data were only stationary at the first difference. Furthermore, the cointegration test results between variables indicated a cointegration relationship between variables. Thus the model was analyzed using the Error Correction Model (ECM) to see the balance in the short term. The results of the ECM model analysis showed that in the short term, macroeconomic variables had no effect on third party funds of Islamic banks in Indonesia prior to Covid-19 while the macroeconomic variable that had an effect on third party funds during the Covid-19 period was inflation. In the long term, the variable that affected the third party funds of Islamic banks in Indonesia before Covid-19 was the interest rate while during the Covid-19 period it was inflation. Another conclusion shows that there was a difference in the average inflation rate variable for third party funds of Islamic banks in Indonesia before Covid-19 and during the Covid-19 period. Keywords: Sharia Third Party Funds, Macroeconomic Variables, Dummy Variable, Error Correction Model ABSTRAK Penelitian ini bertujuan untuk menguji pengaruh variabel makroekonomi terhadap simpanan deposito Bank Syariah di Indonesia, baik dalam jangka pendek maupun jangka panjang, sebelum dan masa Covid-19. Variabel makroekonomi diproksikan oleh tingkat imbal hasil, inflasi, tingkat bunga, dan pertumbuhan produksi. Penelitian ini menggunakan data times series periode 2019.1–2022.08 dengan memasukkan variabel dummy. Pada tahap pertama dilakukan uji stasioneritas data dengan menggunakan uji akar unit dan hasilnya menunjukkan data hanya stasioner pada first difference. Selanjutnya hasil uji kointegrasi antar variabel menunjukkan adanya hubungan kointegrasi antar variabel. Dengan demikian model dianalisis dengan menggunakan Error Correction Model (ECM) untuk melihat keseimbangan dalam jangka pendek. Hasil analisis model ECM menunjukkan bahwa dalam jangka pendek, variabel makroekonomi tidak berpengaruh terhadap dana pihak ketiga Bank Syariah di Indonesia sebelum Covid-19 sedangkan variabel makroekonomi yang berpengaruh terhadap dana pihak ketiga pada masa Covid-19 adalah inflasi. Dalam jangka panjang, variabel yang berpengaruh terhadap dana pihak ketiga Bank Syariah di Indonesia sebelum Covid-19 adalah tingkat bunga sedangkan pada masa Covid-19 adalah inflasi. Kesimpulan lainnya menunjukkan terdapat perbedaan rata-rata variabel tingkat inflasi dana pihak ketiga bank syariah di Indonesia sebelum Covid-19 dan masa Covid-19. Kata kunci: Dana Pihak Ketiga Syariah, Variabel Makroekonomi, Dummy Variable, Error Correction Model
Analisis Variabel Makro Ekonomi terhadap Dana Pihak Ketiga Bank Syariah Indonesia Sebelum dan Masa Covid-19: Pendekatan Error Correction Models (ECM) Lia Amaliawiati; Farida Nursjanti
Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Vol 9 No 1 (2023): Januari 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/iqtishodiyah.v9i1.889

Abstract

ABSTRACT The purpose of this study was to examine the effect of macroeconomic variables on Islamic bank deposits in Indonesia, both in the short and long term, before and during the Covid-19 period. Macroeconomic variables were proxied by the level of yields, inflation, interest rates, and production growth. This study used times series data for the period 2019.1–2022.08 by including a dummy variable. In the first stage, the data stationarity test was carried out using the unit root test and the results showed that the data were only stationary at the first difference. Furthermore, the cointegration test results between variables indicated a cointegration relationship between variables. Thus the model was analyzed using the Error Correction Model (ECM) to see the balance in the short term. The results of the ECM model analysis showed that in the short term, macroeconomic variables had no effect on third party funds of Islamic banks in Indonesia prior to Covid-19 while the macroeconomic variable that had an effect on third party funds during the Covid-19 period was inflation. In the long term, the variable that affected the third party funds of Islamic banks in Indonesia before Covid-19 was the interest rate while during the Covid-19 period it was inflation. Another conclusion shows that there was a difference in the average inflation rate variable for third party funds of Islamic banks in Indonesia before Covid-19 and during the Covid-19 period. Keywords: Sharia Third Party Funds, Macroeconomic Variables, Dummy Variable, Error Correction Model ABSTRAK Penelitian ini bertujuan untuk menguji pengaruh variabel makroekonomi terhadap simpanan deposito Bank Syariah di Indonesia, baik dalam jangka pendek maupun jangka panjang, sebelum dan masa Covid-19. Variabel makroekonomi diproksikan oleh tingkat imbal hasil, inflasi, tingkat bunga, dan pertumbuhan produksi. Penelitian ini menggunakan data times series periode 2019.1–2022.08 dengan memasukkan variabel dummy. Pada tahap pertama dilakukan uji stasioneritas data dengan menggunakan uji akar unit dan hasilnya menunjukkan data hanya stasioner pada first difference. Selanjutnya hasil uji kointegrasi antar variabel menunjukkan adanya hubungan kointegrasi antar variabel. Dengan demikian model dianalisis dengan menggunakan Error Correction Model (ECM) untuk melihat keseimbangan dalam jangka pendek. Hasil analisis model ECM menunjukkan bahwa dalam jangka pendek, variabel makroekonomi tidak berpengaruh terhadap dana pihak ketiga Bank Syariah di Indonesia sebelum Covid-19 sedangkan variabel makroekonomi yang berpengaruh terhadap dana pihak ketiga pada masa Covid-19 adalah inflasi. Dalam jangka panjang, variabel yang berpengaruh terhadap dana pihak ketiga Bank Syariah di Indonesia sebelum Covid-19 adalah tingkat bunga sedangkan pada masa Covid-19 adalah inflasi. Kesimpulan lainnya menunjukkan terdapat perbedaan rata-rata variabel tingkat inflasi dana pihak ketiga bank syariah di Indonesia sebelum Covid-19 dan masa Covid-19. Kata kunci: Dana Pihak Ketiga Syariah, Variabel Makroekonomi, Dummy Variable, Error Correction Model
Peningkatan Literasi Keuangan Syariah Bagi Milenial dan Gen Z di Jawa Barat Farida Nursjanti; Lia Amaliawiati; Eristy Minda Utami
Madaniya Vol. 4 No. 1 (2023)
Publisher : Pusat Studi Bahasa dan Publikasi Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53696/27214834.345

Abstract

Literasi keuangan syariah di Indonesia masih tertinggal dibandingkan dengan keuangan konvensional. Literasi keuangan syariah baru mencapai 8,9% sedangkan literasi keuangan konvensional telah mencapai 37,7%. Literasi keuangan syariah generasi milenial dan generasi Z hingga saat ini relatif masih rendah, sedangkan terdapat lebih dari 50 persen penduduk Indonesia yang termasuk milenial dan Gen Z. Berdasarkan permasalahan tersebut diselenggarakan kegiatan Pengabdian Masyarakat yang berisi penyuluhan mengenai produk perbankan syariah dan produk pasar modal syariah bagi milenial dan Gen Z. Dari kegiatan tersebut diharapkan adanya peningkatan literasi keuangan syariah peserta dan peserta akan semakin cerdas dalam mengelola keuangan serta memilih investasi yang sesuai dengan kebutuhan, aman dan terhindar dari riba. Berdasarkan pemetaan awal pemahaman peserta, disampaikan penyuluhan mengenai produk perbankan syariah dan produk pasar modal syariah, dan evaluasi pelaksanaan kegiatan. Kegiatan penyuluhan terhadap milenial dan Gen Z yang dilaksanakan pada tanggal 8 Januari 2022 diikuti 218 peserta dan dilakukan melalui kerjasama dengan Bank Syariah Indonesia dan Bursa Efek Indonesia (BEI). Pelaksanaan kegiatan dilakukan secara online melalui zoom untuk mendukung kebijakan pemerintah pada masa New Normal setelah pandemi Covid-19. Dari hasil evaluasi kegiatan secara umum sebagian besar peserta menyatakan kegiatan telah berlangsung dengan baik. Pelaksanaan kegiatan diharapkan bisa berperan sebagai salah satu kontribusi perguruan tinggi untuk mendukung pemerintah dalam meningkatkan literasi keuangan syariah, khususnya bagi milenial dan Gen Z.
Penguatan Tata Kelola Keuangan Usaha Mikro, Kecil, dan Menengah di Kampoeng Rajoet Bandung Eristy Minda Utami; Devy Mawarnie Puspitasari; Farida Nursjanti; Lia Amaliawiati; Reva Yuliani
Madaniya Vol. 4 No. 1 (2023)
Publisher : Pusat Studi Bahasa dan Publikasi Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53696/27214834.399

Abstract

Pandemi Covid-19 menyebabkan kinerja pelaku usaha mikro, kecil, dan menengah (UMKM) mengalami penurunan yang berdampak pada pemutusan hubungan kerja dan risiko kredit macet. Kondisi ini terjadi akibat ketidakcakapan pelaku UMKM pada penguasaan teknologi serta pencatatan dan pelaporan keuangan. Penelitian menemukan bahwa mayoritas pelaku UMKM tidak memiliki keterampilan yang memadai dalam pengelolaan keuangan serta rendahnya pemahaman akan pentingnya pencatatan dan pembukuan bagi keberlangsungan usaha. Sedangkan penyusunan dan analisis pengelolaan keuangan mempunyai pengaruh yang sangat besar bagi pencapaian keberhasilan usaha. Kegiatan pengabdian kepada masyarakat ini bertujuan untuk memberikan penguatan tata kelola keuangan yang dapat diterapkan oleh pelaku UMKM Kampoeng Radjoet, Binong Jati Kota Bandung yang bertindak sebagai mitra. Penelitian ini menggunakan teknik observasi, wawancara, dan dokumentasi dalam upaya pengumpulan data dan informasi. Pelaksanaan kegiatan ini dilakukan untuk meningkatkan pemahaman pelaku UMKM Kampoeng Radjoet, Binong Jati Kota Bandung terhadap pengelolaan keuangan serta merekomendasikan indikator yang dapat dilakukan oleh pelaku UMKM agar mempertahankan kelangsungan bisnisnya sehingga dapat berperan serta dalam mengatasi masalah pengangguran yang terjadi akibat Pandemi Covid-19.
Edukasi Financial Technology Bagi Kader PKK Kampung Panyandaan, Desa Jambudipa, Kecamatan Cisarua, Kabupaten Bandung Barat Farida Nursjanti; Eristy Minda Utami; Siti Komariah; Gusni Gusni; Lia Amaliawiati; Reva Yuliani; Wahyu Panji Nugrahani
Madaniya Vol. 4 No. 2 (2023)
Publisher : Pusat Studi Bahasa dan Publikasi Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53696/27214834.460

Abstract

Pandemi COVID-19 semakin mempercepat transisi ke layanan keuangan digital dan memperkuat kebutuhan untuk transaksi digital tanpa kontak dan tanpa uang tunai. Layanan keuangan digital dan financial technology telah memungkinkan transaksi digital pada masa pandemi, serta pembayaran dan transfer yang lebih cepat dan lebih aman. Namun demikian sebagian masyarakat Indonesia belum memiliki rekening bank sehingga tidak dapat menggunakan layanan bank. Masyarakat yang tinggal di pedesaan dinilai belum dapat memanfaatkan financial technology dengan optimal dan relatif kurang memiliki akses memadai ke layanan keuangan. Penggunaan pinjaman online di Indonesia, sebagai salah satu penggunaan financial technology, didominasi oleh pengguna pinjol perempuan. Mayoritas pengguna pinjaman online, khususnya perempuan, belum memahami besarnya resiko pinjaman online yang tidak memiliki izin. Oleh karena itu kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan pemahaman para kader PKK mengenai financial technology dan meningkatkan pemahaman peserta mengenai daftar pinjaman online yang legal serta resiko yang diakibatkan pinjaman online yang ilegal. Adapun mitra dari kegiatan kepada masyarakat ini adalah kader PKK di Kampung Panyandaan Desa Jambudipa Kecamatan Cisarua Kabupaten Bandung Barat. Teknik pengumpulan datanya dilakukan dengan observasi, wawancara, dan dokumentasi. Dari kegiatan ini diharapkan dapat meningkatkan pemahaman kader PKK mengenai finansial teknologi, khususnya mengenai pinjaman online. Dengan peningkatan pemahaman yang telah diperoleh diharapkan para kader PKK dapat turut menyebarluaskan kepada masyarakat sekitar sehingga mereka dapat lebih memahami dan lebih berhati-hati terhadap pinjaman online ilegal.
Volatility Composite Index and Exchange Rates in Indonesia: EGARCH/TARCH Model for VAR Estimation Lia Amaliawiati; Gusni Gusni; Eristy Minda Utami; Farida Nursjanti; Siti Komariah
Ekonomis: Journal of Economics and Business Vol 7, No 2 (2023): September
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v7i2.1348

Abstract

Composite index and exchange rate are important indicators that represent a country's economic performance, where there is a relationship between the two. In this study, the ideal model to capture the volatility of the composite index and exchange rate will be determined. to investigate the dynamic dependency relationship between the composite index and the exchange rate, first use a Vector Autoregressive (VAR) model. The best model in describing the volatility of the composite index is the EGARCH model while the exchange rate is using the TARCH model. According to research, there is an asymmetry relationship between the volatility of stock returns and the exchange rate, which means that the market will react to bad news more quickly than good news. According to the VAR model, the present volatility is influenced by the volatility of the prior period and there is a one-way causal relationship between the composite index and the exchange rate.
Analysis of Digital Financial Literacy of Gen Z Muslims Farida Nursjanti; Lia Amaliawiati; Irma Nilasari
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 4 No. 6 (2023): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v4i6.3638

Abstract

Effective usage of digital financial services requires an extensive knowledge of digital finance. Combining both digital and financial knowledge, digital financial literacy is a skill set. For financial consumers, digital financial services offer opportunities as well as difficulties. While the adoption of sophisticated technology-based financial goods poses obstacles, there are also potential for tailored financial products and services, quicker transactions, and simple access to financial products. The purpose of this study is to test and analyze several aspects of Gen Z Muslim financial literacy as well as to ascertain how socio-demographic factors relate to that literacy. One-Way Anova and difference tests were used for the data analysis. Based on the study's findings, it can be said that Gen Z Muslims do not differ in their level of digital financial literacy based on gender. The Self-Determination to Use the Knowledge and Skill aspect of digital financial literacy among Gen Z Muslims has the lowest level, while the Digital Knowledge aspect has the highest level, when compared on the basis of gender. Based on age, the lowest level of digital financial literacy for Gen Z Muslims is in the Financial Knowledge aspect, while the highest level of digital financial literacy for Gen Z Muslims is in the Digital Knowledge aspect. The younger respondents of generation Z Muslims have lower levels of digital financial literacy, it was also found. From the results of the One-Way Anova test, it was concluded that there were differences in the digital financial literacy of Gen Z Muslims based on age.
Co-Authors Annisa Arifianti Ramadhanti Devy Mawarnie Puspitasari Eristy Minda Utami Eristy Minda Utami Farida Nursjanti Gusni, Gusni Irma Nilasari Nugi Mohammad Nugraha Reva Yuliani Reva Yuliani Siti Komariah Wahyu Panji Nugrahani