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Effect of changes in Interest Rates on Household Consumption Ahmad, Srifatmawati; Azizi, Muhammad
Nomico Vol. 2 No. 1 (2025): Nomico-February
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/anp8k370

Abstract

This study aims to analyze the effect of changes in interest rates on household consumption in Indonesia by employing a quantitative method with a causal associative approach. The analysis uses secondary time-series data from 2014 to 2024, obtained from official institutions such as Bank Indonesia and the Central Statistics Agency (BPS). The variables examined include interest rates, household income, and inflation as independent variables, while household consumption serves as the dependent variable. Data analysis was conducted using multiple linear regression through SPSS. The results indicate that interest rates have a negative and significant effect on household consumption, implying that higher interest rates discourage spending by increasing borrowing costs. On the other hand, household income positively and significantly affects consumption, suggesting that increased income boosts purchasing power. Inflation is also found to negatively influence consumption, reflecting reduced purchasing capability during periods of rising prices. The model’s goodness of fit, as measured by R Square, shows that 81.4% of the variation in household consumption can be explained by the three independent variables. These findings emphasize the importance of interest rate and inflation control in maintaining household consumption stability and overall economic health.
Analisis Ketahanan Pangan Rumah Tangga Petani Berdasarkan Proporsi Pengeluaran Pangan Di Desa Kalukku Barat Kecamatan Kalukku Kabupaten Mamuju Hasanuddin, Supardi; Azizi, Muhammad
JURNAL MANAJEMEN & ORGANISASI REVIEW (MANOR) Vol. 5 No. 2 (2023): Jurnal Manajemen dan Organisasi Review (MANOR)
Publisher : Universitas Fajar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47354/mjo.v5i2.621

Abstract

Menganalisis kondisi ketahanan pangan rumah tangga petani di Desa Kalukku Barat Kecamatan kalukku Kabupaten Mamuju Metode dasar yang digunakan dalam penelitian ini adalah metode deskriptif. Penelitian ini dilakukan di Kabupaten Mamuju. Metode pengambilan lokasi penelitiannya secara purpossive sampling, yaitu di Desa Kalukku Barat, Kecamatan Kalukku Jenis dan sumber data yang digunakan terdiri atas data primer dan data sekunder. Teknik pengumpulan data dilakukan dengan wawancara, observasi, dan pencatatan. Metode analisis data secara deskriptif dengan analisis rata-rata dan persentase.  Metode penentuan sampel dalam penelitian ini menggunakan metode purposive sampling dengan jumlah responden 50 orang petani Kondisi ketahanan pangan rumah tangga responden di Desa Kalukku Barat berdasarkan tingkatannya adalah: tahan pangan sebesar 16,67%, rentan pangan 53,33%, 10% rumah tangga kurang pangan, dan 20% termasuk dalam kondisi rawan pangan.  Dari hasil penelitian ini dapat disarankan untuk meningkatkan pendapatan rumah tangga guna mencapai ketahanan pangan rumah tangga, meningkatkan konsumsi protein hewani, dan meningkatkan pendapatan rumah tangga, sehingga proporsi pengeluaran pangan berkurang.
Pengaruh Struktur Modal Terhadap Kinerja Keuangan Perusahaan Publik di Bursa Efek Indonesia Irdawati, Irdawati; Azizi, Muhammad; Ahmad, Srifatmawati; Siddiqa, Heidi; Ernayani, Rihfenti
Journal of Innovative and Creativity Vol. 5 No. 3 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

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

Abstract

Struktur modal merupakan salah satu aspek penting dalam menentukan kesehatan keuangan dan daya saing perusahaan publik. Perusahaan yang terdaftar di Bursa Efek Indonesia (BEI) menghadapi tantangan dalam menyeimbangkan proporsi utang dan ekuitas untuk mencapai kinerja keuangan yang optimal. Tinjauan literatur 2020–2025 menunjukkan bahwa struktur modal berpengaruh langsung terhadap profitabilitas, nilai perusahaan, dan risiko keuangan. Peningkatan leverage dapat memberikan manfaat berupa penghematan pajak dan peningkatan return on equity, namun di sisi lain menimbulkan risiko kebangkrutan apabila tidak dikelola dengan hati-hati. Penelitian juga mengindikasikan bahwa faktor eksternal, seperti kondisi makroekonomi, serta faktor internal, seperti ukuran perusahaan dan kualitas manajemen, turut memoderasi hubungan antara struktur modal dan kinerja keuangan. Dengan demikian, strategi pengelolaan struktur modal yang tepat dapat menjadi determinan utama dalam menjaga keberlanjutan bisnis sekaligus meningkatkan daya tarik perusahaan di mata investor di era persaingan global.
Pemahaman Hadis tentang Maisir dan Relevansinya terhadap Judi Online: Analisis Pandangan Ulama Klasik dan Kontemporer Azizi, Muhammad; Darta, Ali
Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Vol. 11 No. 2 (2025): Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/alwatzikhoebillah.v11i2.4308

Abstract

The phenomenon of online gambling, a modern form of gambling, has created serious social, economic, and moral problems. The practice can be analyzed through the concept of maisir, which is expressly prohibited in the hadith and the Quran due to its elements of betting, speculation, uncertainty, and destructive impact on individuals and society. This study aims to examine the hadith’s understanding of maisir by highlighting the views of classical and contemporary scholars and linking them to the relevance of the online gambling phenomenon. The research method used was qualitative with a thematic-comparative approach. The results show that classical scholars understand maisir as any form of betting-based transaction that negates fairness in exchange, thus being considered detrimental to spiritual and social values. Meanwhile, contemporary scholars expand the definition of maisir to modern phenomena such as online gambling, emphasizing aspects of financial loss, psychological addiction, technological exploitation, and moral degradation. The hadiths prohibiting maisir are considered relevant in the digital context because their principles are able to address the challenges of application-based gambling and online media. Furthermore, there are legal and social implications that Sharia regulations regarding maisir must be adapted to technological developments to protect society from the dangers of online gambling. The implications of this research are the importance of strengthening religious literacy in society, increasing the role of Islamic scholars and institutions in issuing fatwas and education regarding online gambling, and encouraging the government and legal authorities to integrate sharia principles with digital technology regulations.
Efektivitas return on asset terhadap return saham pada perusahaan: studi manajemen keuangan Irdawati; Ng, Suwandi; Safira, Riata Dheasita; Prananingrum, Dwi Kartika; Azizi, Muhammad
Entrepreneurship Bisnis Manajemen Akuntansi (E-BISMA) Vol.4, No.1 (2023): June 2023
Publisher : Universitas Widya Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37631/ebisma.v4i1.834

Abstract

The purpose of this paper is to analyze the Effectiveness of Return On Assets Against Stock Returns in Companies through analysis of literature studies in the field of financial management. The method used in this research is literature research by reviewing some of the results of previous studies. This scientific article was written using qualitative methods and literature research with the help of the latest references obtained from Google Schoolers and Mendeley citation searches. Based on the review conducted, it means that Return On Assets has a positive and significant influence on Stock Returns. So that ROA has a significant effect on stock prices, where the profit generated by the company increases, the results obtained by the company also increase in terms of the level of profitability generated.