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All Journal Jurnal Ekonomi ANDHARUPA Jurnal Muara Ilmu Ekonomi dan Bisnis Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences BAJU: Journal of Fashion and Textile Design Unesa
Ramli, Ishak
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Religion Arts Humanities Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Social Sciences

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DINAMIKA RISIKO KREDIT BANK PEMBANGUNAN DAERAH DI INDONESIA PERIODE 2011-2016 Ramli, Ishak; Kristian, Elson
Jurnal Muara Ilmu Ekonomi dan Bisnis Vol 3, No 2 (2019): Jurnal Muara Ilmu Ekonomi dan Bisnis
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmieb.v3i2.1592

Abstract

Tujuan penelitian adalah untuk menganalisis pengaruh variabel spesifik perbankan seperti informasi modal terhadap aktiva tertimbang menurut risiko diukur dengan rasio CAR, informasi total pinjaman terhadap total aset diukur dengan rasio LTA, informasi ukuran bank, informasi laba setelah pajak terhadap rata-rata aset diukur dengan rasio ROE, dan informasi inefisiensi bank yang diukur dengan rasio BOPO terhadap Risiko Kredit yang diukur dengan rasio NPL. Populasi yang dijadikan obyek penelitian berjumlah 26 BPD di Indonesia 2011-2016. Penelitian ini menggunakan data panel dengan jumlah data observasi sebanyak 156. Data sekunder diolah dengan metode Generalized Method of Moment. Hasil penelitian menunjukkan bahwa informasi modal terhadap aktiva tertimbang menurut risiko, laba setelah pajak terhadap rata-rata modal, dan inefisiensi berpengaruh negatif terhadap Risiko Kredit pada BPD di Indonesia. Sementara informasi total pinjaman terhadap total aset dan ukuran bank berpengaruh positif terhadap risiko kredit pada BPD di Indonesia. The purpose of this study is to analyze the effect of specific bank variables represented by CAR (Capital Adequacy Ratio), LTA (Loan to Asset) Ratio, Size, ROE (Return on Equity) Ratio, and Inefficiency on credit risk measured by NPL on Regional Development Bank in Indonesia. Population of this research taken as the object of observation amounted to 26 Regional Development Banks in Indonesia in the period 2011 - 2016. This research is using panel data with total data amounted to 156 firm-years observation. Secondary data is processed with Generalized Method of Moment. The result showed CAR, ROE, and Inefficiency have negative impact on NPL in Regional Development Bank in Indonesia. Meanwhile, LTA and Size have positive impact on NPL in Regional Development Bank in Indonesia.
ANALISIS PERILAKU OPORTUNISTIK, MEKANISME PENGAWASAN DAN MANAJEMEN LABA PADA PERBANKAN KONVENSIONAL INDONESIA Ramli, Ishak; Joe, Stephani
Jurnal Muara Ilmu Ekonomi dan Bisnis Vol 3, No 1 (2019): Jurnal Muara Ilmu Ekonomi dan Bisnis
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jmieb.v3i1.1589

Abstract

Tujuan penelitian adalah untuk menganalisis pengaruh perilaku oportunistik (diproksikan leverage dan kebijakan dividen) dan mekanisme pengawasan (yang diproksikan dengan kualitas audit dan inkonsistensi informasi) terhadap manajemen laba. Populasi yang dijadikan obyek penelitian berjumlah 43 perusahaan perbankan yang terdaftar di Bursa Efek Indonesia pada tahun 2010-2016. Penelitian ini menggunakan data panel dengan jumlah data observasi sebanyak 70. Data sekunder diolah dengan metode structural equation model dengan pendekatan partial least square. Hasil penelitian menunjukkan bahwa leverage dan kebijakan dividen merupakan perilaku oportunistik yang mempengaruhi positif signifikan terhadap manajemen laba. Kualitas audit dan inkonsistensi informasi nonkeuangan berhubungan positif dengan mekanisme pengawasan. Mekanisme pengawasan beserta indikatornya mempengaruhi positif signifikan terhadap manajemen laba pada bank umum konvensional. The purpose of this study is to analyze the predictive effect of opportunistic behavior (proxied by leverage and dividend policy) and monitoring mechanism (proxied by audit quality and inconsistency of nonfinancial information) on earnings management. Population of this reseacrh taken as the object of observation amounted to 43 banking firms listed in Indonesia Stock Exchange in the period 2010 - 2016. This research is using panel data with total data amounted to 70 firm-years observation. Secondary data is processed with structural equation model method with partial least square approach. The result showed leverage and dividend policy are opportunistic behaviours that impact positively and significant on earnings management. Audit quality and inconsistency of nonfinancial information are significant indicators of monitoring mechanism. Monitoring mechanism and its indicators have positive and significant impact on earnings management in Conventional Commercial Banks.
STRUKTUR MODAL PENDEKATAN DINAMIS PERUSAHAAN OTOMOTIF DAN KOMPONENNYA SAAT KRISIS GLOBAL 2008 Dewi, Syanti; Ramli, Ishak
Jurnal Ekonomi Vol 21, No 3 (2016): November 2016
Publisher : Fakultas Ekonom dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/je.v21i3.24

Abstract

The increase in business during the global crisis to the challenge of funding and capital structure dynamic analysis approach is suitable for the observation of the capital structure. This study is intended to demonstrate the influence of profitability, firm size, cost of equity, debt cost, and firm value volatility, leverage and speed adjustment sertaoptimal the capital structure. By using the auto company's financial statements and its components in a data 2008-2012 profitability, firm size, cost of equity, debt cost, danfirm value volatility analyzed using multiple regression analysis to examine the effect on the capital structure and leverage optimal data and speed adjustmentdianalisis method Generalized Moment Method (GMM) to examine the achievement of optimal capital structure and speed of achievement of optimal capital structure. The results found that the only significant profitability and firm size negatively affects the capital structure, the cost is being equity, debt cost, and firm value volatilitytidak significantly affect their capital structure. The automotive industry and its components was successfully adjust its capital structure to an optimal position, but the adjustment is slow. In a global crisis of capital structure adjustment to the optimal capital structure is progressing slowly in view of the difficulty of finding external funding sources.
Pengaruh krisis keuangan global terhadap indeks harga saham gabungan regional asia dan bisnis di indonesia Daryatno, Andreas Bambang; Ramli, Ishak
Jurnal Ekonomi Vol 18, No 1 (2013): March 2013
Publisher : Fakultas Ekonom dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/je.v18i1.290

Abstract

Results of analysis of research data proving that the global financial crisis is significantly affecting the Asia Regional Stock Price Index and the Asia Regional Stock Price Index significantly affect business activities in Indonesia, but the global financial crisis did not significantly affect business activities in Indonesia and simultaneous Global Financial Crisis and the Asia Regional Stock Price Index did not significantly affect the Business activities in Indonesia. This means that business activities in Indonesia are more influenced by the Regional Asia Stock Price Index compared to the direct impact of the global financial crisis. Data analysis tool using the Structural Equation Model (SEM) using Lisrel Software 8.8. Observations were made at the end of each month from January 2004 until June 2010. This study used an exogenous latent variable (the Global Financial Crisis) and two endogenous latent variables (namely JCI Asia Regional and Business in Indonesia). The Global Financial Crisis is measured by two indicator variables namely World Inflation and the Stock Market U.S. Index. JCI Asia Regional measured by four indicator variables namely the China Stock Price Index (Shanghai), Japan Stock Price Index (Nikkei), South Korea Stock Price Index (Kospi), and India Stock Price Index (Bombay), whereas Business in Indonesia is measured by two indicator variables namely the Indonesia Stock Price Index (BEI) and Indonesia's inflation.
Structural Modeling of Financial Literacy for Women of MSME Pacitan and Tangerang Setyawan, Ignatius Roni; Ramli, Ishak; Listyarti, Indra
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 4, No 4 (2021): Budapest International Research and Critics Institute November
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v4i4.2721

Abstract

This study is aimed to determine the women's understanding of financial inclusion in making financial decisions in the family. Where previously this research will map the understanding of financial literacy that is owned by women in two regional locations, namely Pacitan Regency and Tangerang Regency. The form of empirical testing analysis which we have used is using Structural Equation Model (SEM) with nonlinear regression technique Partial Least Squares (PLS). Population affordable research, each district will be taken as many as 150 respondents in order to obtain a total sample of 300 respondents. The sampling technique used was snowball sampling, namely sampling based on recommendations from respondents from both regions. The results achieved are demographically mapped patterns of literacy and financial inclusion among women SMEs in Pacitan and Tangerang in terms of utilization of financial institutions, banking products & services, basic knowledge of finance and investment decisions. These two areas have different study results. In the next section, this research also succeeded in proving the existence of a structural modeling of literacy and inclusion of preferences for respondents Pacitan and Tangerang combined. The results of this study also confirm the effectiveness of structural modeling in the area of financial literacy research.
DAYA TARIK VISUAL BAND VIRTUAL GORILLAZ: MEMBANGUN IDENTITAS DAN FANTASI Rasendriya, Athiyya Apsarini; Ramli, Ishak; Utomo, Drajatno Widi; Respati, Yosua Reydo; Murwonugroho, Wegig
ANDHARUPA: Jurnal Desain Komunikasi Visual & Multimedia Vol. 10 No. 02 (2024): June 2024
Publisher : Dian Nuswantoro University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33633/andharupa.v10i02.4933

Abstract

Abstrak Gorillaz adalah band virtual yang dibentuk musisi Damon Albarn dan seniman Jamie Hewlett (1998). Band ini mencampurkan genre musik seperti rock, hip-hop, dub, reggae, electronic, dan pop. Gorillaz terdiri dari empat anggota virtual yaitu Stuart Pot sebagai vokalis dan pemain keyboard, Murdoc Niccals sebagai pemain bass dengan gaya kontroversial, Noodle sebagai gitaris digambarkan sebagai gadis Jepang muda yang kini telah dewasa, dan Russel Hobbs sebagai drummer yang memiliki latar belakang cerita dirasuki oleh roh teman-temannya yang telah meninggal. Anggota band direpresentasikan sebagai karakter kartun dengan alur cerita. Band animasi virtual yang bermain fiksi, bukan manusia sesungguhnya. Band virtual yang menggabungkan teknologi untuk merangsang indera manusia untuk memberikan pengalaman yang berbeda. Sebagai band yang menjajakan visual tokoh animasi yang fiktif, memunculkan keingintahuan penulis atas kekuatan daya tarik virtual, persepsi, dan apresiasi pendengar. Penelitian ini menggunakan pendekatan kualitatif deskriptif melalui metode Semiotika Charles Sanders Peirce. Dalam penelitian ini ditemukan bahwa inovasi band Gorillaz memadukan seni visual dan musik dengan cara pemanfaatan teknologi animasi holografik tampil live dengan musisi sesungguhnya. Kekuatan narasi fantasi menjadi aksentuasi dimunculkan dalam animasi tiap tokoh virtual.    Kata Kunci: animasi hologram, band virtual, daya tarik, fantasi visual, Gorillaz     Abstract Gorillaz is a virtual band formed by musician Damon Albarn and artist Jamie Hewlett in 1998. The band blends music genres such as rock, hip-hop, dub, reggae, electronic, and pop. Gorillaz consists of four virtual members namely Stuart Pot as vocalist and keyboard player, Murdoc Niccals as controversial bassist, Noodle as guitarist portrayed as a young Japanese girl who has matured; and Russel Hobbs as drummer with a backstory of being haunted by the spirits of deceased friends. Band members are represented as cartoon characters with narrative arcs. Gorillaz is an animated virtual band playing fictional characters rather than real humans, integrating technology to stimulate human senses for a unique experience. As a band showcasing fictional animated characters, it piques curiosity about the virtual appeal, perception, and listener appreciation. This qualitative descriptive research employs Charles Sanders Peirce's Semiotics method. The study concludes that Gorillaz's innovation combines visual art and music through holographic animation technology in live performances with real musicians, accentuating the narrative power of fantasy in each virtual character's animation.   Keywords: appeal, Gorillaz, holographic animation, virtual band, visual fantasy
The Fundamental Research Inspiration in Fashion Design Mustafa, Muhammad Khalik; Saleh, Nasyirah; Farahanies, Dayang Intan; Rafee , Mohd Radzuan Mohd; Ramli, Ishak; Rosman, Muhammad Redza
BAJU: Journal of Fashion and Textile Design Unesa Vol. 6 No. 2 (2025)
Publisher : Universitas Negeri Surabaya

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

Abstract

This study explores the fundamental role of inspiration in the field of fashion design, highlighting its influence in integrating functionality, aesthetic expression, and responsiveness to ever-evolving trends. Fashion design is not merely about creating garments; it is a dynamic process that demands a balance between artistic vision and practical innovation. The research investigates a wide range of inspiration sources, such as nature, fine art, cultural heritage, personal experiences, and emerging technological advancements. These sources are critically examined for their ability to shape a designer’s conceptual thinking, fuel originality, and support the forecasting of trends. A key focus is given to distinguishing between tangible sources such as objects, environments, and physical stimuli and intangible sources, including emotions, memories, and abstract ideas. The study reveals how these diverse inspirations contribute to the richness and multidimensional nature of contemporary fashion design. By understanding how designers interpret and translate inspiration into design elements, the research provides a framework for appreciating the creative process. Moreover, it underscores the importance of inspiration not only as a spark for creativity but also as a tool for strategic problem-solving and innovation. This study ultimately emphasizes the interplay between inspiration, creativity, and decision-making within the modern fashion design landscape. Keywords: Fashion Design Inspiration, Creative Process, Trend Forecasting
Co-Authors Daryatno, Andreas Bambang Dewi, Syanti Farahanies, Dayang Intan Ida Ayu Putu Sri Widnyani Ignatius Roni Setyawan Joe, Stephani Kristian, Elson Mustafa, Muhammad Khalik Rafee , Mohd Radzuan Mohd Rasendriya, Athiyya Apsarini Rosman, Muhammad Redza Saleh, Nasyirah Wegig Murwonugroho Yosua Reydo Respati, Yosua Reydo