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<![CDATA[ANALISIS KINERJA LAPORAN KEUANGAN PADA KOPERASI DI KECAMATAN BRONDONG KABUPATEN LAMONGAN PERIODE TAHUN 2017-2020 ]]>
<![CDATA[Rohma, Alfur]]>;
<![CDATA[Yuli, Sri Budi Cantika]]>;
<![CDATA[Sari, Novi Primita]]>
<![CDATA[ Journal of Financial Economics & Investment Vol. 2 No. 2 (2022): Journal of Financial Economics & Investment ]]>
Publisher : <![CDATA[Program Studi Ekonomi Pembangunan ]]>
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DOI: 10.22219/jofei.v2i2.19899
<![CDATA[The purpose of this study was to determine the performance of BMT BIM's financial statements. The analytical method used is the analysis of liquidity ratios, solvency ratios, and profitability ratios. Data collection techniques in this study used interviews and observation. The results of this study indicate that BMT BIM in 2017-2020 as a whole produces values that do not meet the standard ratio criteria. From the calculation of the liquidity ratio as measured by the cash ratio, it produces a bad ratio because BMT BIM cash is smaller so that when the obligation matures, it is difficult to pay debts. The current ratio produces quite good criteria because BMT BIM has assets that are quite liquid in paying its short-term obligations. The solvency ratio as measured by the total debt to total asset ratio is not good, because the total assets of BMT BIM are not able to contribute adequately to the total debt owned. While the profitability ratio as measured by ROI is not good because cooperatives are less able to use their assets productively so they are not able to produce maximum SHU. ROE produces good criteria because the capital owned by cooperatives is quite reliable in producing maximum residual business results.]]>
<![CDATA[ANALISIS PENDAPATAN ASLI DAERAH DAN DANA ALOKASI UMUM TERHADAP BELANJA MODAL MELALUI PERTUMBUHAN EKONOMI SEBAGAI VARIABEL MODERASI ]]>
<![CDATA[Solikah, Tutut]]>;
<![CDATA[Riyanto, Wahyu Hidayat]]>;
<![CDATA[Sari, Novi Primita]]>
<![CDATA[ Journal of Financial Economics & Investment Vol. 4 No. 2 (2024): Journal of Financial Economics & Investment ]]>
Publisher : <![CDATA[Program Studi Ekonomi Pembangunan ]]>
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DOI: 10.22219/jofei.v4i2.32854
<![CDATA[This research aims to analyze the influence of Regional Original Income and General Allocation Funds on Capital Expenditures through Economic Growth as a moderating variable in Regencies/Cities in East Java Province in 2013-2022. The type of research used in this research is quantitative and the data used is secondary data. The data used was obtained from the Central Statistics Agency (BPS). This research uses panel data regression techniques with moderating variables (Moderating Regression Analysis) using the Eviesw program. The results of this research show that Regional Original Income has a negative and significant impact on capital expenditure and the General Allocation Fund has a positive and significant impact on capital expenditure. And Economic Growth was not able to moderate Regional Original Income towards Capital Expenditures with negative and insignificant results but Economic Growth was able to moderate the General Allocation Fund towards Capital Expenditures in East Java Province with positive and significant results.]]>
<![CDATA[The Existence Of Gold Prices As A Mediating Factor In Banking Sector Profits ]]>
<![CDATA[Sari, Novi Primita]]>;
<![CDATA[Sangadah, Dhurotus]]>
<![CDATA[ E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis Vol 25, No 1 (2024): April ]]>
Publisher : <![CDATA[Faculty of Economics and Business, Universitas Malikussaleh ]]>
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DOI: 10.29103/e-mabis.v25i1.1266
<![CDATA[The main activities carried out by banks aim to increase equitable distribution of economic growth and maintain national stability towards increasing prosperity. Strict regulations in the banking industry require the banking industry to improve its performance, including in the aspect of achieving profits. Achieving this profit can be improved by analyzing the factors that shape profilability. The aim of the research is to find out how the role of the amount of deposits and credit mediates the influence of gold prices on return on assets. The results of this research show that individual testing to determine the determinants of savings shows that prices have a positive and significant influence while the determinants of credit, savings have a significant positive influence. Factors forming return on assets, savings and credit, have a significant positive influence on return on assets, while the price of gold has a significant negative influence. In the analysis test, the savings channel variable was able to mediate (parcel mediation) the effect of gold prices on return on assets as well as credit also showed its ability to mediate (parcel mediation) the effect of savings on return on assets. However, if you look at the VAF value, the credit variable has a better level of mediation compared to savings, so that for state-owned banks to increase return on assets it will be easier if they channel savings in the form of credit. ]]>
<![CDATA[PERAN SEKTOR PARWISATA TERHADAP PERTUMBUHAN EKONOMI DI ASEAN 4 (THAILAND, SINGAPORE, MALAYSIA, DAN INDONESIA) ]]>
<![CDATA[Athallah, Abdillah Rafi]]>;
<![CDATA[Suliswanto, Muhammad Sri Wahyudi]]>;
<![CDATA[Sari, Novi Primita]]>
<![CDATA[ Jurnal Industri Parawisata Vol 7 No 1 (2024): Jurnal Industri Pariwisata JULY 2024 ]]>
Publisher : <![CDATA[Universitas Sahid ]]>
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DOI: 10.36441/pariwisata.v7i1.2059
<![CDATA[Sektor pariwisata adalah sektor yang memberikan kontribusi signifikan pada PDB (Produk Domestik Bruto) suatu negara, yang dapat menciptakan lapangan kerja, dan memberikan dampak positif pada sektor ekonomi lainnya. Sektor ini juga memiliki potensi yang besar untuk meningkatkan perekonomian suatu negara, dapat dilihat melalui peningkatan jumlah kunjungan wisatawan, pengeluaran pariwisata , dan sektor ekspor pariwisata. Penelitian ini bertujuan untuk mengetahui apakah sektor pariwisata berpengaruh terhadap pertumbuhan ekonomi di 4 Negara ASEAN. Metode yang digunakan dalam penelitian ini adalah metode kuantitatif dan menggunakan teknik olah data panel. Dan memperoleh hasil bahwa satu variabel ada yang berpengaruh negative dan tidak signifikan terhadap pertumbuhan ekonomi. Tetapi, dapat disimpulkan bahwa Pendapatan yang dihasilkan oleh pariwisata dalam bentuk pengeluaran wisatawan, jumlah kedatangan wisatawan, sektor ekspor pariwisata, serta sektor pendukung lainnya, memberikan stimulus yang kuat bagi pertumbuhan ekonomi. Tidak hanya itu, Sektor wisata juga memiliki efek multiplikator yang kuat terhadap perekonomian. Hal ini dapat mendorong pertumbuhan ekonomi yang lebih luas dan meningkatkan kontribusi sektor wisata terhadap PDB suatu negara.]]>
<![CDATA[Personality Branding sebagai Peluang Karir Generasi Alpha: Personality Branding as a Career Opportunity for Generation Alpha ]]>
<![CDATA[Sari, Novi Primita]]>
<![CDATA[ PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Vol. 10 No. 8 (2025): PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat ]]>
Publisher : <![CDATA[Institute for Research and Community Services Universitas Muhammadiyah Palangkaraya ]]>
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DOI: 10.33084/pengabdianmu.v10i8.9908
<![CDATA[This community service program aims to improve personality branding literacy in the Alpha generation as a strategy to build career opportunities in the digital era. This activity targets students of SMK Idhotun Nasyikin with an edutainment approach, communication training, and aptitude tests. As a digital-native, Generation Alpha has excellent potential to build an authentic self-image through social media and other digital platforms. The mentoring results showed a significant increase in understanding the basic concepts of personal branding, such as self-identity, digital reputation management, and visual content strategies through Instagram. The score evaluation showed that participants had been able to create digital profiles that reflected the uniqueness and consistency of their brands, although the aesthetic and engagement aspects still needed strengthening. This finding confirms that personality branding literacy is a strategic competency that needs to be instilled early on as a provision for entering the world of work and digital entrepreneurship. It is recommended that this material be integrated into the vocational curriculum to strengthen the competitiveness of the younger generation.]]>
<![CDATA[Inovasi Digital Ekonomi dalam Pencegahan Fraud Keuangan: Kontribusi terhadap Pencapaian SDG 9 dan SDG 16 di Indonesia” ]]>
<![CDATA[Sari, Novi Primita]]>
<![CDATA[ Prosiding Seminar Nasional Ekonomi dan Bisnis Vol. 5 No. 1 (2025): Prosiding SENAM 2025: Seminar Nasional Ekonomi dan Bisnis Universitas Ma Chung ]]>
Publisher : <![CDATA[Ma Chung Press ]]>
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<![CDATA[Penelitian ini bertujuan untuk mengonseptualisasikan model sistem ekonomi digital untuk mendeteksi kecurangan laporan keuangan dan meningkatkan kesejahteraan sosial, dengan fokus di Kabupaten Malang, Indonesia. Penelitian ini menanggapi meningkatnya kebutuhan akan transparansi dan akuntabilitas dalam sistem ekonomi melalui integrasi teknologi canggih seperti kecerdasan buatan, blockchain, dan analisis data besar. Dengan memanfaatkan pendekatan kualitatif yang didukung oleh analisis Nvivo dan survei pemangku kepentingan, penelitian ini mengidentifikasi indikator dan tantangan utama dalam menerapkan model tersebut. Temuan menunjukkan bahwa digitalisasi dapat secara signifikan meningkatkan akurasi deteksi kecurangan, meningkatkan transparansi pelaporan keuangan, dan mendukung distribusi sumber daya yang adil. Model konseptual yang dikembangkan terdiri dari input (data keuangan dan sosial ekonomi), proses (sistem deteksi kecurangan digital), dan output (identifikasi kecurangan untuk pengambilan keputusan yang berorientasi sosial). Penelitian ini memberikan rekomendasi strategis bagi para pemangku kepentingan dan pembuat kebijakan untuk mengadopsi teknologi digital dalam tata kelola ekonomi, yang bertujuan untuk mendorong sistem ekonomi yang inklusif, transparan, dan bermanfaat secara sosial.]]>
<![CDATA[The Existence Of Gold Prices As A Mediating Factor In Banking Sector Profits ]]>
<![CDATA[Sari, Novi Primita]]>;
<![CDATA[Sangadah, Dhurotus]]>
<![CDATA[ E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis Vol. 25 No. 1 (2024): April ]]>
Publisher : <![CDATA[Faculty of Economics and Business, Universitas Malikussaleh ]]>
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DOI: 10.29103/e-mabis.v25i1.1266
<![CDATA[The main activities carried out by banks aim to increase equitable distribution of economic growth and maintain national stability towards increasing prosperity. Strict regulations in the banking industry require the banking industry to improve its performance, including in the aspect of achieving profits. Achieving this profit can be improved by analyzing the factors that shape profilability. The aim of the research is to find out how the role of the amount of deposits and credit mediates the influence of gold prices on return on assets. The results of this research show that individual testing to determine the determinants of savings shows that prices have a positive and significant influence while the determinants of credit, savings have a significant positive influence. Factors forming return on assets, savings and credit, have a significant positive influence on return on assets, while the price of gold has a significant negative influence. In the analysis test, the savings channel variable was able to mediate (parcel mediation) the effect of gold prices on return on assets as well as credit also showed its ability to mediate (parcel mediation) the effect of savings on return on assets. However, if you look at the VAF value, the credit variable has a better level of mediation compared to savings, so that for state-owned banks to increase return on assets it will be easier if they channel savings in the form of credit. ]]>
<![CDATA[Pemulihan Ekonomi Melalui Optimalisasi Produksi Ketan Hitam Sebagai “Mabello” ]]>
<![CDATA[Sari, Novi Primita]]>;
<![CDATA[Yuli, Sri Budi Cantika]]>
<![CDATA[ Jurnal Pengabdian Masyarakat Indonesia Vol 4 No 2 (2024): JPMI - April 2024 ]]>
Publisher : <![CDATA[CV Infinite Corporation ]]>
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DOI: 10.52436/1.jpmi.2263
<![CDATA[Lulur tradisional dapat memiliki beberapa manfaat yang bermanfaat yang baik bagi kulit, meskipun pengaruhnya pada setiap orang dapat bervariasi tergantung pada individu dan jenis kulit masing-masing. Lulur yang diproduksi ini menggunakan manfaat ketan hitam, dimana Lulur dari ketan hitam ini dapat memberikan beberapa manfaat sekali bagi kulit diantaranya adalah menghaluskan kulit, mengurangi peradangan dan mencerahkan kulit. Produk yang dihasilkan ini memiliki nilai tambah yaitu belum ada sama sekali produk sejenis bahkan di malang raya rata-rata produk pesaing ini berada diluar pulau jawa seperti didaerah asalnya Kalimantan, sehingga besar sekali peluang usaha yang dapat dilakukan dan dikembangkan dengan tidak adanya produk pesaing sejenis disekitar. Kegiatan pendampingan proses produksi yang masih sangat tradisional serta proses packaging sudah bagus tetapi yang menjadi perhatian utama adalah lulur masih berbentuk basah sehingga bisa dilakukan adalah dalam proses packaging dan proses produksi harus diperhatikan lebih mendalam agar kemanan serta kulitas dari hasil lulur yang diproduksi terjamin. Dalam pengabdian ini kami memberikan design logo baru pada produk agar lebih menarik dan mendaftarkan merk dagang serta logo pada HAKI.]]>
<![CDATA[HARGA DAN KINERJA EMAS: PERAN INTERMEDIASI BANK ]]>
<![CDATA[Sari, Novi Primita]]>;
<![CDATA[Sangadah, Dhurotus]]>
<![CDATA[ Jurnal Ilmu Ekonomi, Manajemen dan Bisnis Vol. 2 No. 1 (2024): JANUARI ]]>
Publisher : <![CDATA[P3M Universitas Aisyiyah Surakarta ]]>
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DOI: 10.30787/jiembi.v2i1.1398
<![CDATA[Abstract. The main activities carried out by banks aim to increase equitable distribution of economic growth and maintain national stability towards increasing prosperity. Strict regulations in the banking industry require the banking industry to improve its performance, including in the aspect of achieving profits. Achieving this profit can be improved by analyzing the factors that shape profilability. The aim of the research is to find out how the role of the amount of deposits and credit mediates the influence of gold prices on return on assets. The results of this research show that individual testing to determine the determinants of savings shows that prices have a positive and significant influence while the determinants of credit, savings have a significant positive influence. Factors forming return on assets, savings and credit, have a significant positive influence on return on assets, while the price of gold has a significant negative influence. In the analysis test, the savings channel variable was able to mediate (parcel mediation) the effect of gold prices on return on assets as well as credit also showed its ability to mediate (parcel mediation) the effect of savings on return on assets. However, if you look at the VAF value, the credit variable has a better level of mediation compared to savings, so that for state-owned banks to increase return on assets it will be easier if they channel savings in the form of credit Keywords: Gold Prices; Bank; SEM; ROA; Credit. Abstrak. Kegiatan utama yang dilakukan bank bertujuan untuk meningkatkan pemerataan pertumbuhan ekonomi dan menjaga stabilitas nasional menuju peningkatan kesejahteraan.. Peraturan yang ketat di Industri Perbankan mengharuskan industri perbankan untuk meningkatkan kinerjanya, termasuk dalam aspek pencapaian keuntungan. Pencapaian keuntungan ini dapat ditingkatkan dengan menganalisis bagaimana faktor-faktor yang membentuk profilitabilitas. Tujuan penelitian adalah untuk mengetahui bagaimana peran jumlah deposito dan kredit memediasi pengaruh harga emas terhadap return on aset. Hasil penelitian ini menunjukkan bahwa pengujian individual untuk mengetahui determinan simpanan menunjukkan bahwa harga mempunyai pengaruh positif dan signifikan sedangkan determinan kredit, simpanan mempunyai pengaruh positif signifikan. Faktor pembentuk return on asset simpanan dan kredit mempunyai pengaruh positif signifikan terhadap return on assets sedangkan harga emas mempunyai pengaruh negatif signifikan. Dalam uji analisis, variabel jalur simpanan mampu memediasi (parcel mediation) pengaruh harga emas terhadap return on aset begitu pula dengan kredit juga menunjukkan kemampuannya dalam memediasi (parcel mediation) pengaruh simpanan terhadap return on aset. Namun jika dilihat dari nilai VAF, variabel kredit mempunyai tingkat mediasi yang lebih baik dibandingkan dengan simpanan, sehingga bagi bank persero untuk meningkatkan return on aset akan lebih mudah jika menyalurkan simpanan dalam bentuk kredit. Kata Kunci: Harga Emas; Bank; SEM; ROA; Kredit. ]]>
<![CDATA[Analisis Fundamental Variabel Makroekonomi Terhadap Pertumbuhan Ekonomi Negara Maju Asia ]]>
<![CDATA[rahmawati, pipit dwi]]>;
<![CDATA[Susilowati, Dwi]]>;
<![CDATA[Sari, Novi Primita]]>
<![CDATA[ Promosi: Jurnal Program Studi Pendidikan Ekonomi Vol 13, No 2 (2025): Promosi ]]>
Publisher : <![CDATA[UNIVERSITAS MUHAMMADIYAH METRO ]]>
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DOI: 10.24127/jp.v13i2.12123
<![CDATA[This research examines economic growth patterns in developed Asian countries during the 2014-2023 period. Employing a quantitative method based on secondary data, this study applies panel data analysis that combines cross-sectional information from six developed Asian countries (namely Japan, Korea, Singapore, Hong Kong, Macau, and Israel) along with time series data spanning ten years. Data collection was carried out through a series of steps including tracking, categorization, and documentation sourced from the World Bank database. Data processing utilized Panel Data Regression techniques executed through the Eviews-12 program, with Fixed Effect (FE) selected as the most appropriate model. The research findings reveal two distinct patterns: exchange rates and imports had significant negative effects on economic growth, while exports contributed significantly positive effects to economic growth across the five developed Asian countries during the study period. Statistical calculations through the regression model indicate optimal reliability, as evidenced by an R-Square value of 0.998185.]]>
