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Analisis Pengaruh Pengetahuan dan Religiusitas Terhadap Niat Pembelian Produk Kosmetik Halal Maharani, Novita Kusuma; Silvia, Ani
Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Vol 3 No 1 (2019): Juni
Publisher : Universitas Muhammadiyah Prof. DR. HAMKA

The development of the halal economy comes from global Muslim consumers who indeed live a halal lifestyle. A halal lifestyle that includes the food they eat, about pharmacy and medicine, body care, cosmetics, banking services, travel, education, entertainment, and so on. In fact, the value of halal globally is estimated at US $ 2.1 trillion per year. The issue of halal cosmetics began to develop precisely after the rapid progress of the food and financial industry in accordance with Islamic principles. The development of halal cosmetics is so rapid at this time a product that is very steal the attention of women. This study aims to examine the impact of the level of knowledge and religiosity on one's intention or intention to buy halal cosmetic products. This study uses a survey method with an instrument in the form of a questionnaire. The questionnaire will be distributed to various regions throughout Indonesia. Respondents in this study were women in the age range of 18-25 years with consideration of having an understanding and being able to buy cosmetic products. This research was previously tested for validity and reliability. The results of the study stated that knowledge is an important factor in one's intention in purchasing halal cosmetic products. while, the influence of religiosity is positive but not significant which means there is no influence which means that a person has a high or low level of religiousness on his desire to buy halal cosmetic products. 

DO RISK, BUSINESS CYCLE, AND COMPETITION AFFECT CAPITAL BUFFER? AN EMPIRICAL STUDY ON ISLAMIC BANKING IN ASEAN AND MENA Maharani, Novita Kusuma; Setiyono, Bowo
Journal of Islamic Monetary Economics and Finance Vol 3 No 2 (2018)
Publisher : Bank Indonesia

Basel III guidelines were released in 2010 by the Basel Committee on Banking Supervision (BCBS) as a revision of the previous Basel guidelines with the aim of strengthening the bank's capital and liquidity of banks. BCBS formulate a new policy that is the capital buffer. Capital Buffer is the difference between the minimum capital required by regulators with its overall capital and is considered a "cushion" against the shocks of the financial crisis. This study examine the impact of risk, business cycle, and competition on banks’ capital buffer. This paper used the sample of Islamic banks and conventional banks in ASEAN and MENA in the period 2011-2015 with unbalanced panel data. Using System GMM method to test the characteristics of Islamic banks in managing its capital. The finding indicates that the degree of capital buffer in islamic banks tend to adjust its risk. The result also shows that capital buffer decrease during economic expansion where banks act aggressively by extending their lending activities. The relationship between capital buffer and competition is positive in that the high level of competition to motivate banks to have higher capital.

Pengaruh Growth Opportunity dan Corporate Social Responsibility terhadap Earning Response Coeficient pada Industri Makan dan Minuman di Indonesia Prastiyo, Edi; Zamzany, Faizal Ridwan; Maharani, Novita Kusuma
ISOQUANT : Jurnal Ekonomi, Manajemen dan Akuntansi Vol 8, No 2 (2024): Oktober
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/iso.v8i2.2925

Tujuan dari penelitian ini adalah untuk mengetahui pengaruh Growth Opportunity dan Corporate Social Responsibility terhadap Earnings Response Coeficient pada industri makanan dan minuman di Indonesia. Dalam penelitian ini menggunakan pendekatan kuantitatif dengan memanfaatkan data sekunder yang diperoleh dari website laporan keuangan perusahaan 2018-2022 dan Bursa Efek Indonesia dimana sampel perusahaan yang digunakan sebanyak 18 (Delapan Belas) perusahaan makanan dan minuman di Indonesia. Teknik pengolahan dan analisis data yang digunakan adalah analisis statistik deskriptif, pengujian hipotesis, regresi linier berganda, dan uji asumsi klasik dengan menggunakan Stata versi 17. Hasil dari penelitian ini menunjukkan bahwa Growth Opportunity (X1) tidak berpengaruh terhadap Earnings Response Coeficient (Y). Corporate Social Responsibility (X2) tidak berpengaruh terhadap Earnings Response Coeficient (Y). Secara simultan Growth Opportunity dan Corporate Social Responsibility tidak berpengaruh terhadap Earnings Response Coeficient.

Disruption or Catalyst? Foreign Banks' Impact on Competition in Indonesia's Islamic-Conventional Banking Ecosystem Maharani, Novita Kusuma; Alwahidin, Alwahidin
ETIKONOMI Vol 24, No 1 (2025)
Publisher : Faculty of Economic and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/etk.v24i1.36338

Research Originality: This study uniquely examines the impact of foreign bank penetration on bank competition within Indonesia's dual-banking system. By incorporating the moderating effect of Islamic banks, this research provides novel insights into the dynamics of bank competition in a multi-faceted financial ecosystem.Research Objectives: This study investigates the impact of foreign banks on the level of competition in Indonesia's dual-banking system, encompassing both Islamic and conventional banks.Research Methods: The study employs panel data analysis of Islamic and conventional banks in Indonesia from 2011 to 2021. Bank competition and foreign bank penetration are measured using the Lerner Index and various ratios of foreign banks, respectively.Empirical Results: The findings reveal that an increase in the number of foreign banks enhances bank competition and reduces market power. However, increased foreign bank asset ownership is associated with reduced competition. While not statistically significant, Islamic banks tend supports increased competition in the banking sector.Implications: To maintain a competitive balance, regulators should focus on controlling foreign asset ownership rather than merely the number of foreign banks. Furthermore, the role of Islamic banks in fostering competition warrants consideration in policy formulation.JEL Classification: C1, E52How to Cite:Maharani, N. K., & Alwahidin. (2025). Disruption or Catalyst? Foreign Banks’ Impact on Competition in Indonesia’s Islamic Conventional Banking Ecosystem. Etikonomi, 24(1), 1 – 16. https://doi.org/10.15408/etk.v24i1.36338.

DO RISK, BUSINESS CYCLE, AND COMPETITION AFFECT CAPITAL BUFFER? AN EMPIRICAL STUDY ON ISLAMIC BANKING IN ASEAN AND MENA Maharani, Novita Kusuma; Setiyono, Bowo
Journal of Islamic Monetary Economics and Finance Vol. 3 No. 2 (2018)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v3i2.888

Basel III guidelines were released in 2010 by the Basel Committee on Banking Supervision (BCBS) as a revision of the previous Basel guidelines with the aim of strengthening the bank's capital and liquidity of banks. BCBS formulate a new policy that is the capital buffer. Capital Buffer is the difference between the minimum capital required by regulators with its overall capital and is considered a "cushion" against the shocks of the financial crisis. This study examine the impact of risk, business cycle, and competition on banks’ capital buffer. This paper used the sample of Islamic banks and conventional banks in ASEAN and MENA in the period 2011-2015 with unbalanced panel data. Using System GMM method to test the characteristics of Islamic banks in managing its capital. The finding indicates that the degree of capital buffer in islamic banks tend to adjust its risk. The result also shows that capital buffer decrease during economic expansion where banks act aggressively by extending their lending activities. The relationship between capital buffer and competition is positive in that the high level of competition to motivate banks to have higher capital.

PENGARUH FITUR ROBO ADVISOR, FOMO, DAN LINGKUNGAN PERTEMANAN TERHADAP MINAT INVESTASI REKSA DANA BIBIT PADA GEN Z DI DKI JAKARTA Fajriah, Garnis; Silvia, Ani; Maharani, Novita Kusuma
Referensi : Jurnal Ilmu Manajemen dan Akuntansi Vol 13, No 1 (2025)
Publisher : Unitri Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33366/ref.v13i1.6782

ABSTRACTThis research aims to determine the influence of the robo advisor feature, FOMO, and friendship environment on investment interest in Bibit mutual funds among generation Z in DKI Jakarta. A quantitative approach was used in this research, with the Partial Least Squares-Structural Equation Modeling (PLS-SEM) technique. Data was collected through an online questionnaire distributed to respondents aged 17-27 years who live in DKI Jakarta and have experience using the Bibit application. Of the 265 respondents who participated, 251 valid responses were analyzed using SmartPLS software version 4.1.0.9. The research results show that the robo advisor feature, FOMO, and friendship environment partially have a positive and significant influence on investment interest in Bibit mutual funds among Gen Z. This allows for the importance of ease of investment, fear of being left behind by trends, and the influence of the social environment in increasing investment interest.Keywords: Investment Interest, Robo Advisor Feature, FOMO, Friendship Environment

Does Banking in Indonesia tend to be Concentrated? Maharani, Novita Kusuma; Sumardi, Sumardi; Salisu, Auwal
IKONOMIKA Vol 4, No 2 (2019)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v4i2.4811

The banking in Indonesia has undergone several changes in the market structure that ultimately impacts the prevailing policies and regulations. This study aims to examine the impact of changes in the banking market structure identified through the level of market concentration in the banking environment and examine the factors that influence the level of concentration of the banking market from 2005 to 2016. The study also examined the impact of changes in banking structure during the global crisis. The measurement of banking concentration used in this study is the Herfindahl-Hirschman Index (HHI). Furthermore, the influential factors consist of: (1) Bank specification, including bank size (Size), credit risk (NPL), profitability (ROE), banksoundness(CAR),(2)Market specification,namely the number of standingbank (NUM), and (3) Global crisis. The study used GLS (Generalized Least Square) method to detect autocorrelation on each variable.The results show that banks in Indonesia tended to have a low level of market concentration. The results are also in accordance with the SCP paradigm which states that banks tend to generate high profits when the level of banking market concentration is high.Keywords : Market Concentration, Competition, Dual-Banking, Bank Specification, Market Specification, Global Crisis.

Pengaruh Growth Opportunity dan Corporate Social Responsibility terhadap Earning Response Coeficient pada Industri Makan dan Minuman di Indonesia Prastiyo, Edi; Zamzany, Faizal Ridwan; Maharani, Novita Kusuma
ISOQUANT : Jurnal Ekonomi, Manajemen dan Akuntansi Vol. 8 No. 2 (2024): Oktober
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/iso.v8i2.2925

Tujuan dari penelitian ini adalah untuk mengetahui pengaruh Growth Opportunity dan Corporate Social Responsibility terhadap Earnings Response Coeficient pada industri makanan dan minuman di Indonesia. Dalam penelitian ini menggunakan pendekatan kuantitatif dengan memanfaatkan data sekunder yang diperoleh dari website laporan keuangan perusahaan 2018-2022 dan Bursa Efek Indonesia dimana sampel perusahaan yang digunakan sebanyak 18 (Delapan Belas) perusahaan makanan dan minuman di Indonesia. Teknik pengolahan dan analisis data yang digunakan adalah analisis statistik deskriptif, pengujian hipotesis, regresi linier berganda, dan uji asumsi klasik dengan menggunakan Stata versi 17. Hasil dari penelitian ini menunjukkan bahwa Growth Opportunity (X1) tidak berpengaruh terhadap Earnings Response Coeficient (Y). Corporate Social Responsibility (X2) tidak berpengaruh terhadap Earnings Response Coeficient (Y). Secara simultan Growth Opportunity dan Corporate Social Responsibility tidak berpengaruh terhadap Earnings Response Coeficient.

Analisis Kebijakan Struktur Modal, Manajemen Laba, Dan Kepemilikan Publik Terhadap Financial Distress: Studi Empiris Pada Industri Makanan Dan Minuman di Indonesia Murti, Pertiwi Harkitianis; Zamzamy, Faizal Ridwan; Maharani, Novita Kusuma
Robust: Research of Business and Economics Studies Vol. 4 No. 1 (2024): April 2024
Publisher : IAIN Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/robust.v4i1.8608

This research aims to determine the influence of capital structure, earnings management and public ownership on financial distress in the food and beverage industry in Indonesia, which is proxied by the Deb to Equity Ratio, Working Capital Accrual to Period Income, Total Public Shares to Outstanding Shares. This research uses secondary data obtained through documentation in the form of annual financial reports from food and beverage industry companies in Indonesia. Data analysis was carried out using quantitative analysis in the form of descriptive statistical tests, normality tests, and hypothesis testing with paired sample tests. The research results show that Capital Structure, Profit Management and Public Ownership have an influence and significance.

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