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Interest rate pass-through sektor perbankan di indonesia: pendekatan error correction model (ecm) Wahyudi, Setyo Tri; Nabella, Rihana Sofie
INOVASI Vol 16, No 2 (2020)
Publisher : Faculty of Economics and Business Mulawarman University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (261.426 KB) | DOI: 10.29264/jinv.v16i2.7456

Abstract

Kebijakan moneter telah memegang peranan penting dalam menjaga kestabilan ekonomi makro. Kecepatan transmisi kebijakan moneter bank sentral terhadap sektor perbankan dan sektor riil menentukan efektivitas suatu kebijakan moneter. Interest rate pass-through diartikan sebagai proses perubahan suku bunga official bank sentral yang ditransmisikan pada suku bunga pasar uang dan suku bunga perbankan, baik deposito maupun kredit. Proses ini menjelaskan seberapa besar keefektifan dan peranan bank sentral dalam mempengaruhi suku bunga pasar dan perbankan. Penelitian ini menggunakan metode Error Correction Model (ECM). Hasil penelitian ini adalah suku bunga deposito lebih merespon perubahan BI Rate. Hal tersebut dikarenakan kredit merupakan aset produktif sebuah bank sehingga apabila terjadi penurunan suku bunga acuan, bank akan berpikir atau tidak merespon untuk menurunkan suku bunga kreditnya karena akan mempengaruhi pendapatannya.
Determinan Pertumbuhan Ekonomi ASEAN+5: Aspek Lingkungan Sari, Kartika; Wahyudi, Setyo Tri; Nabella, Rihana Sofie
Jurnal Ekonomi dan Pembangunan Indonesia Vol. 23, No. 1
Publisher : UI Scholars Hub

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Abstract

The environmental aspect is a vital issue because it is closely related to economic activities that drive the rate of economic growth. Environmental aspects in this study are environmental degradation and natural resource rent. Natural resource rent is still considered a curse or a blessing for a country. Therefore, this study aims to determine the effect of environmental aspects in terms of environmental degradation and natural resource rent. In addition, in this study, foreign direct investment and life expectancy were also selected to determine their effect on economic growth. This study took a sample of 5 countries in the ASEAN+ 5 region using panel data analysis for the period 1990 to 2018. The results obtained were environmental degradation, natural resource rents and foreign direct investment had a significant positive effect on economic growth. Life expectancy does not significantly affect economic growth.
PENDAMPINGAN SERTIFIKAT HALAL PRODUK PADA UMKM SEKTOR MAKANAN DAN MINUMAN DI KECAMATAN GRATI KABUPATEN PASURUAN Badriyah, Nurul; Wahyudi, Setyo Tri; Pimada, Laila Masruro; Prastiwi, Arum; Radeetha, Radeetha; Sari, Kartika; Nabella, Rihana Sofie
Kumawula: Jurnal Pengabdian Kepada Masyarakat Vol 6, No 3 (2023): Kumawula: Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Padjadjaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24198/kumawula.v6i3.46964

Abstract

Penerapan UU No 33 Tahun 2014 mengenai sertifikasi halal, untuk usaha kuliner, pengurusan Sertifikat Halal berlaku hanya sampai tahun 2024. Badan Penyelenggara Jaminan Produk Halal (BPJPH) telah menerbitkan UU UU 33 Tahun 2022 tentang Juknis Pendamping Proses Produk Halal. Oleh karena, pengurusan sertifikasi halal diberikan jangka waktu hingga tahun 2023, maka Tujuan dari kegiatan ini adalah memberikan pendampingan sertifikasi halal produk pada UMKM sektor makanan-minuman di Kecamatan Grati, Pasuruan untuk mendukung akselerasi Jaminan Produk Halal pada UMKM.Pengabdian ini berfokus pada usaha sektor makanan minuman binaan LAZISNU (Lembaga Amil Zakat dan Shodaqoh) di Kecamatan Grati, yang terpusat di Sentra UMKM Pujasera di Desa Gratitunon, sebagai bagian dari upaya edukasi dan advokasi bagi pelaku UMKM untuk menyiapkan diri merespon aturan mengenai legalitas Halal Produk, dan memberikan pendampingan untuk self declare. Metode pengumpulan data dengan pembagian kuesioner sedangkan metode yang digunakan adalah Focus Group Discussion dan Sosialisasi Prosedur Pengajuan Sertifikasi Halal oleh Tim Pengabdian.  Hasil dari kegiatan pengabdian diketahui bahwa (i) pelaku UMKM tidak banyak yang memahami proses pengajuan sertifikasi halal (ii)kurangnya pemahaman masyarakat terhadap konsep halal (iii) berdasarkan hasil FGD diketahui pula tidak sedikit UMKM yang sudah mendapatkan sertifikat halal. iv) terdapat beberapa produk potensial sebagai produk khas Kecamatan Grati tetapi masih belum mendapatkan sertifikasi halal. Implementation of Law No. 33 of 2014 regarding halal certification, for culinary businesses, the processing of Halal Certificates is valid only until 2024. The Halal Product Assurance Organizing Agency (BPJPH) has issued Law No. 33 of 2022 concerning Technical Assistance for Halal Product Processing. Because the processing of halal certification is given a period of up to 2023, the purpose of this activity is to provide assistance with halal product certification to MSMEs in the food and beverage sector in Grati District, Pasuruan to support the acceleration of Halal Product Assurance for MSMEs. This service focuses on sector businesses. food and beverage assisted by LAZISNU (Amil Zakat and Shodaqoh Institute) in Grati District, which is centered at the UMKM Pujasera Center in Gratitunon Village, as part of an education and advocacy effort for MSME actors to prepare themselves to respond to regulations regarding the legality of Halal Products, and provide assistance for self-declaration. The data collection method is by distributing questionnaires while the method used is Focus Group Discussion and Socialization of Halal Certification Submission Procedures by the Service Team. The results of community service activities show that (i) not many MSME actors understand the process of applying for halal certification (ii) there is a lack of public understanding of the halal concept (iii) based on the results of the FGD it is also known that not a few MSMEs have received halal certificates. iv) there are several potential products as typical products of Grati District but they have not yet received halal certification.  
PEMBELAJARAN WIRAUSAHA DALAM MENDUKUNG PENGEMBANGAN EKONOMI PADA SISWA MADRASAH DINIYAH DARUL ULUM DI KABUPATEN PASURUAN Wahyudi, *Setyo Tri; Badriyah, Nurul; Sari, Kartika; Nabella, Rihana Sofie; Radeetha, Radeetha
Kumawula: Jurnal Pengabdian Kepada Masyarakat Vol 6, No 3 (2023): Kumawula: Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Padjadjaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24198/kumawula.v6i3.46962

Abstract

The existence of gadgets for students can have a positive or negative impact. To minimize the negative impact of using gadgets, the service team carries out community service activities aimed at supporting economic development in elementary school students through entrepreneurial learning. Method of Implementation This service is carried out by delivering material related to entrepreneurship. To ensure that elementary school children understand entrepreneurship, groups were formed and asked to express their opinions and be active in discussions. Then, these elementary school students will be given rewards or gifts for those who are active in the discussion process. The results of the community service activities regarding entrepreneurial learning for elementary students were positively responded by teachers and students. With this service activity, elementary school students can increase their insight regarding entrepreneurship and can foster an entrepreneurial spirit at a young age. Moreover, the use of smartphones can be used as a means for entrepreneurship. Keberadaan gadget bagi para siswa dapat memberikan dampak positif maupun negatif. Untuk meminimalisir dampak negative dari penggunaan gadget, tim pengabdian melakukan kegitan pengabdian yang bertujuan untuk mendukung pengembangan ekonomi pada siswa Madrasah melalui pembelajaran wirausaha.  Metode Pelaksanaan Pengabdian ini dilakukan dengan cara penyampaian materi terkait kewirausahaan. Untuk memastikan anak-anak MADRASAH ini memahami terkait kewirausahaan maka dibentuk kelompok dan diminta untuk mengemukakan pendapatnya dan aktif dalam diskusi. Kemudian, siswa Madrasah ini akan diberikan reward atau hadiah bagi yang aktif dalam proses diskusi. Hasil dari kegiatan pengabdian mengenai pembelajaran wirausaha pada siswa Madrasah direspon positif oleh para guru dan siswa yang ditunjukkan dengan keaktifan mereka dalam proses pembelajaran wirausaha ini. Dengan adanya kegiatan pengabdian ini, siswa Madrasah dapat bertambah wawasannya terkait kewirausahaan dan dapat menumbuhkan jiwa wirausaha di usia muda. Terlebih, penggunaan smartphone dapat dimanfaatkan sebagai srana untuk berwirausaha.
The Relationship between Poverty and Environmental Damage in Indonesia: A VECM Analysis Wahyudi, Setyo Tri; Badriyah, Nurul; Nabella, Rihana Sofie; Sari, Kartika; Rahmawati, Amalia
Jurnal Ekonomi Pembangunan Vol. 23 No. 1 (2025): Jurnal Ekonomi Pembangunan
Publisher : Department of Development Economics, Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29259/jep.v23i1.23254

Abstract

This study investigates the relationship between poverty and environmental damage in Indonesia. This study consists time series data covering the period from 2000 to 2023, and utilized the vector error correction model. The short-run findings reveal that economic inequality exacerbates CO2 emissions, as affluent groups exploit resources and disadvantaged community resort to unsustainable practices. This is compounded by political and economic power weakening environmental regulations. Conversely, CO2 emissions exacerbate poverty, especially in rural areas reliant on natural resources, making them vulnerable to environmental shocks. A strong positive correlation exists between ecological footprint per capita and CO2 emissions, driven by resource consumption and fossil fuel reliance, though renewable energy adoption shows promise in mitigating emissions. In the long run, our findings align with the Environmental Kuznets Curve theory, suggesting that economic growth, supported by clean energy and sound environmental policies, ultimately leads to reduced environmental impact. These findings underscore the critical need for balanced strategies that simultaneously address poverty alleviation and promote ecological sustainability through inclusive policies and a transition to renewable energy.
ANALISIS DAMPAK TINGKAT PERSAINGAN INDUSTRI PERBANKAN, UKURAN BANK DAN CREDIT BUFFER TERHADAP STABILITAS BANK UMUM KONVENSIONAL DI INDONESIA Nabella, Rihana Sofie
Jurnal Ilmiah Mahasiswa FEB Vol. 5 No. 2
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

Penelitian ini bertujuan untuk mengetahui dampak tangkat persaingan industri perbankan, ukuran bank dan credit buffer terhadap stabilitas bank umum konvensional di Indonesia. Penelitian ini menggunakan sampel 10 bank umum konvensional di Indonesia tahun 2011-2014. Metode analisis yang digunakan adalah model regresi data panel yakni menggabungkan data time series dengan cross section. Hasil penelitian menunjukkan bahwa tingkat persaingan industri perbankan dan credit buffer mempunyai pengaruh positif signifikan terhadap stabilitas bank umum konvensional di Indonesia, sedangkan ukuran bank mempunyai pengaruh negatif signfikan.Kata kunci: stabilitas bank, tingkat persaingan industri perbankan, ukuran bank, credit buffer.
LINKAGES BETWEEN BANK COMPETITION AND FINANCIAL STABILITY: A COMPARATIVE STUDY OF SHARIA VS CONVENTIONAL BANKING IN INDONESIA Wahyudi, Setyo Tri; Badriyah, Nurul; Nabella, Rihana Sofie; Sari, Kartika; Radeetha, Radeetha
Jurnal Ekonomi Bisnis dan Kewirausahaan Vol 12, No 1 (2023): Jurnal Ekonomi Bisnis dan Kewirausahaan (JEBIK)
Publisher : Fakultas Ekonomi dan Bisnis, UNTAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26418/jebik.v12i1.59788

Abstract

Banking is one of the most important sectors supporting a country"™s economy. In Indonesia, the development of banking has undergone significant changes, as evidenced by the shift from the conventional system to the dual banking and Sharia systems. The large number of commercial banks and bank offices suggests high competition in Indonesia. Consequently, banks must reduce costs and streamline their operational activities to remain competitive. This study aims to analyze the relationship between bank competition and financial stability in Indonesia for both conventional and Islamic banks, using the generalized method of moments. The results show a positive relationship between the level of banking industry competition and banking stability, indicating that an increase in bank competition will result in greater stability. These findings suggest that Islamic banking has the potential to expand its market share by improving its soundness and retaining customer loyalty. In addition, banking authorities should reevaluate their performance and regulations.JEL: G21, G32, L10.