Claim Missing Document
Check
Articles

Found 12 Documents
Search

Financial Knowledge And Financial Behavior Among Educati onal Staff (A Survey on Educational Staff in Universitas Kuningan) Herma Wiharno; Dadang Suhendar; Munir Nur Komarudin
Jurnal Akuntansi dan Pajak Vol 21, No 2 (2021): JAP VOL. 21 No. 02, Agustus 2020 - Januari 2021
Publisher : ITB AAS INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jap.v21i02.1465

Abstract

Abtract This study aims to investigate the effect of demographic characteristics on financial knowledge and financial behavior as well as the effect of financial knowledge on financial behavior. The method applied in this study was descriptive and verification method. This study was conducted in Universitas Kuningan with educational staff as the unit of analysis. By applying Stratified Cluster Proportional Random Sampling, 105 educational staff was selected as the sample of this study. The results of descriptive analysis revealed that based on age group, education level, and income level, educational staff with age of >45 years old, education level of S-2, and income level of >Rp. 3 million has a higher level of financial knowledge and financial behavior compared to other educational staff. Meanwhile, the results of verification analysis indicated that education level and income level have a significant effect on financial knowledge and financial behavior, and financial knowledge has a positive effect on financial behavior. Keywords: demographic characteristics, financial knowledge, financial behavior.
ANALYSIS OF MONETARY AGGREGATE RESPONSE: COMPARATIVE STUDY BETWEEN ISLAMIC AND CONVENTIONAL BANKING SYSTEMS IN INDONESIA Rina Masruroh; Dadang Suhardi; Munir Nur Komarudin; Wely Hadi Gunawan
Jurnal Akuntansi dan Pajak Vol 22, No 2 (2022): JAP : Vol. 22, No. 2, Agustus 2021 - Januari 2022
Publisher : ITB AAS INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jap.v22i2.3913

Abstract

This research aims to examine which variables most influence the demand for money, and look at the stability of money demand, Islamic and conventional, in response to the shocks of other variables. The analysis method used using Vector Autoregression (VAR), if the data used is stationary at the first difference then the VAR model will be combined with the error correction model into the Vector Error Correction Model (VECM). Impulse response function analysis is also done to see the response of an endogenous variable to the shocks of other variables in the model. The results of this study explained that the shock of the inflation rate responded negatively to the request until the 8th day on sharia demand, while conventionally The shock of the sharia inflation reward rate responded negatively on the 16th day while conventionally there was no response. The shock of the interest rate lift responded negatively on the 11th day on the conventional system while sharia did not respond. While GDP responded positively and stable on day 2 for the Sharia system, while the conventional system responded negatively until the 24th day. . Keywords: inflation rate, inflation reward rate, interest rate, GDP.
ANALYSIS IMPLEMENTATION OF NATIONAL FINANCIAL INCLUSION STRATEGY CONNECTED WITH SHARIA FINANCIAL INCLUSION munir nur komarudin; Nugraha Nugraha; Dikdik Harjadi; Fany Oktaviani
Indonesian Journal Of Business And Economics Vol 2, No 2 (2019)
Publisher : Universitas Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25134/ijbe.v2i2.2377

Abstract

ABSTRACT          The purpose of this research is to know the effect of financial education, community property rights, intermediation facilities and financial distribution channels, financial services to the government sector and consumer protection to Islamic financial inclusions. The sampling technique useda random sampling method and thesample isobtained 100 respondents. The independent variables (x) include: financial education, communityproperty rights, intermediation facilities and financial distribution channels,financial services in the government sector and consumer protection. This research used a quantitative approach with descriptive and verification methods and methods ofdata analysis using multiple linear regression analysis.The result of this study indicate that the implementation a five pillars of SNKI (The national strategy of financial inclusion) has a positiveand significant impact on Islamic financial inclusion, it’s mean that if the implementation a five pillars of SNKI had increased automatically the Islamic financial inclusion would be increased. Key Words:         Financial Education, Community Property Rights, Intermediation Facilities and Financial Distribution Channels, Financial Services to the Government Sector Consumer Protection and Islamic Financial Inclusion
ANALISIS PENGARUH RASIO KEUANGAN TERHADAP KINERJA BANK (Studi Kasus pada Perbankan yang Terdaftar di BEI Tahun 2011-2015) Munir Nur Komarudin
Indonesian Journal of Strategic Management Vol 2, No 1 (2019)
Publisher : Universitas Kuningan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25134/ijsm.v2i1.1858

Abstract

ABSTRAKPenelitian ini bertujuan untuk mengetahui pengaruh Capital Adequacy Ratio (CAR) terhadap Return On Asset (ROA); pengaruh Non Nerforming Loan (NPL) terhadap ROA; pengaruh Net Interest Margin (NIM) terhadap ROA; pengaruh biaya operasional pendapatan operasional (BOPO) terhadap ROA; pengaruh Loan to Deposit Ratio (LDR) terhadap ROA; pengaruh CAR, NPL, NIM, LDR, BOPO secara simultan terhadap ROA bank yang terdaftar di BEI tahun 2011-2015.Metode penelitian yang digunakan adalah metode deskriptif verifikatif.  Pengolahan data dalam penelitian ini menggunakan perhitungan statistik regresi linier berganda. Selanjutnya, untuk mengetahui besarnya pengaruh CAR, NPL, NIM, BOPO dan LDR terhadap ROA menggunakan analisis koefisien determinasi, keberartian koefisien regresi linier berganda diketahui dengan menggunakan uji t. Kemudian untuk mengetahu pengaruh secara simultan menggunakan uji f.Hasil penelitian menunjukkan bahwa CAR tidak berpengaruh terhadap ROA. NPL tidak berpengaruh terhadap ROA. NIM berpengaruh positif dan tidak signifikan terhadap ROA. BOPO berpengaruh negatif dan signifikan terhadap ROA. LDR tidak berpengaruh terhadap ROA. Secara simultan CAR, NPL, NIM, BOPO dan LDR berpengaruh secara signifikan terhadap ROA bank yang terdaftar di BEI tahun 2011-2015.  Kata kunci : ROA, CAR, NPL, NIM, BOPO, LDR ABSTRACT This study aims to determine the effect of Capital Adequacy Ratio (CAR) on Return On Assets (ROA); The effect of Non Nerforming Loan (NPL) on ROA; The effect of Net Interest Margin (NIM) on ROA; The effect of operational cost of operating income (BOPO) on ROA; The effect of Loan to Deposit Ratio (LDR) on ROA; The effect of CAR, NPL, NIM, LDR, BOPO simultaneously against the ROA of banks listed on the BEI 2011-2015.The research method used is descriptive method verifikatif. Data processing in this study using the calculation of multiple linear regression statistics. Furthermore, to know the effect of CAR, NPL, NIM, BOPO and LDR against ROA using coefficient of determination analysis, multi linier regression coefficient significance is known by using t test. Then to know the effect simultaneously using test f.The results showed that CAR had positive and insignificant effect on ROA. NPL has a negative and significant effect on ROA. NIM has a positive and insignificant effect on ROA. BOPO has a negative and significant effect on ROA. LDR has a positive and significant effect on ROA. Simultaneously CAR, NPL, NIM, BOPO and LDR have a significant effect on the ROA of banks listed in BEI 2011-2015. Keywords: ROA, CAR, NPL, NIM, BOPO, LDR 
PENDAMPINGAN PENGELOLAAN, LEGALITAS DAN DIGITAL MARKETING BUMDes DAN UKM DESA BINAAN MANISLOR, KEC. JALAKSANA KAB. KUNINGAN Lili Karmela Fitriani; Wachjuni Wachjuni; Munir Nur komarudin; Taopik Mulyana Kuntara; Indra Lesmana; Anidathi Layla
Indonesian Collaboration Journal of Community Services Vol. 2 No. 1 (2022): Indonesian Collaboration Journal of Community Services
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/icjcs.v2i1.53

Abstract

The potential of the village is something that must be utilized as well as possible to provide progress for the village both culturally and economically. For this purpose, the devotional team of the Faculty of Economics, Universitas Kuningan conducted a mentoring program to BUMDes and UKM Manislor Village, Kec. Jalaksana, Kab. Kuningan, West Java. The goal is that BUMDes can develop to advance villages and SMEs can improve living standards for the better. The mentoring activities are carried out in the form of BUMDes manager training, Product Quality Improvement Training for BUMDes and SMEs, and Business Strategy Building Training through Digital Marketing for BUMDes and SMEs. The delivery of materials and training practices in mentoring to BUMDes and SMEs managers is carried out in the multipurpose building of Manislor village. This activity resulted in 52 SMEs having NIB on the OSS page, having a village SMEs web
OPTIMALISASI KESADARAN WAJIB PAJAK DI DESA SUTAWINANGUN KECAMATAN KEDAWUNG KABUPATEN CIREBON Dadang Suhardi; Munir Nur Komarudin; Deri Prayudi
JURNAL ABDIMAS PLJ Vol 2, No 2 (2022): JURNAL ABDIMAS PLJ, Desember 2022
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/japlj.v2i2.783

Abstract

This Community Service (PkM) aims to optimize taxpayer awareness in Sutawinangun Village, Kedawung District, Cirebon Regency. The method used is tax information and socialization introduction, as well as a participatory approach by involving the community in tax education programs. This PkM involves taxpayers consisting of traders, farmers, and informal sector workers. The results of this study show that through an effective participatory approach and tax education, taxpayer awareness can be significantly increased. This is evidenced by the increasing number of taxpayers who pay taxes regularly and the increasing revenue from taxes. Tax information and socialization introduction and a participatory approach in tax education programs are effective strategies to increase taxpayer awareness. In this PkM, several steps are taken to achieve the goal of optimizing taxpayer awareness. First, identification of problems related to low taxpayer awareness and its causes. Next, a tax education program is designed that involves the community in a participatory manner. The program includes providing information on the importance of paying taxes, how to calculate and pay taxes, as well as the benefits of taxes for village development.Keywords: Optimization, Taxpayer Awareness, Property Tax
STOCK PORTFOLIO OPTIMIZATION IN BULLISH AND BEARISH CONDITIONS USING THE BLACK-LITTERMAN MODEL Herma Wiharno; Arief Surya Lesmana; Yasir Maulana; Munir Nur Komarudin
Jurnal Manajemen dan Kewirausahaan Vol. 25 No. 2 (2023): SEPTEMBER 2023
Publisher : Management Study Program, Faculty of Business and Economics, Petra Christian University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.9744/jmk.25.2.92-104

Abstract

Bullish and bearish phenomena characterize the development of the capital market. Therefore, this study aimed to identify and analyze bullish and bearish conditions in the Indonesian capital market to formulate an optimal portfolio. The sample consisted of 20 selected companies based on their substantial market capitali- zation. The results showed that from January 2011 to December 2020, the capital market experienced 77 bullish and 43 bearish months. The transition probability from bullish to bearish and bearish to bullish state was 15.67% and 56.14%. Furthermore, employing the Markov-switching model for determining market conditions and using the Black-Litterman model for portfolio construction proved advantageous for investors' financial forecasting techniques and their potential to generate valuable insights to create a well-informed portfolio.
Pengaruh Kompetensi terhadap Kinerja Pegawai Melalui Motivasi sebagai variabel Mediasi Rina Masruroh; Munir Nur Komarudin; Empat Fatimah
Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) Vol. 3 No. 1 (2023): Article Research Volume 3 Issue 1, Maret 2023
Publisher : ITScience (Information Technology and Science)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47709/jebma.v3i1.2814

Abstract

Penelitian ini bertujuan untuk menguji pengaruh kompetensi pegawai dalam melaksanakan tugasnya di BAPENDA Kabupaten Kuningan dengan menggunakan variabel mediasi yaitu motivasi. Penelitian ini menggunakan 39 sampel responden pegawai BAPENDA Kabupaten Kuningan dengan menggunakan metode survei eksplanatori dengan pendekatan kuantitatif. Teknik pengambilan sampel adalah sampling jenuh. Metode pengumpulan data menggunakan kuesioner (kuesioner). Pengujian hipotesis dalam penelitian ini menggunakan regresi dan pasth analisis. Hasil penelitian ini menunjukkan bahwa kompetensi berpengaruh signifikan terhadap kinerja, kompetensi berpengaruh signifikan terhadap motivasi, motivasi berpengaruh signifikan terhadap kinerja dan kompetensi berpengaruh signifikan terhadap kinerja melalui motivasi sebagai variabel mediasi yang artinya motivasi mampu memediasi pengaruh kompetensi terhadap kinerja.
PENGARUH SIKAP KEUANGAN DAN LITERASI KEUANGANTERHADAP MINAT INVESTASI DI GALERI INVESTASI UNIVERSITAS KUNINGAN Munir Nur Komarudin; Cindy Shelomita; Ayus Ahmad Yusuf; Wildan Permana Zaenal Asikin; Regita Ayu Febiana
E-Prosiding Seminar Nasional Manajemen dan Akuntansi STIE Semarang (SNMAS) Vol 3 No 1 (2023): STIESEM 2023 (International Webinar & Call for Paper) “Utilization of Technology
Publisher : STIE Semarang

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

Abstract

Penelitian ini dilakukan untuk menganalisis sejauh mana pengaruh sikapkeuangan dan literasi keuangan terhadap minat investasi di galeri investasi universitas kuningan. Penelitian menggunakan metode deskriptif dengan pendekatan kuantitatif. Populasi yang akan digunakan sebagai penelitian adalah mahasiswa Universita Kuningan dengan sampel sebanyak 100 responden yang ditentukan dengan menggunakan Teknik Purposive Sampling. Teknik pengumpulan data yang digunakan berupa angket. Analisis data menggunakan uji F dan uji t yang dibantu dengan aplikasi SPSS versi 23 for windows. Hasilpengujian dari hipotesis yang diajukan memperoleh kesimpuan bahwa menunjukan (1) sikap keuangan dan literasi keuangan berpengaruh secara positif dan signifikan terhadap minat investasi (2) Sikap Keuangan berpengaruh secara positif dan signifikan terhadap minat investasi (3) Literasi keuangan berpengaruh secara positif dan signifikan terhadap minat investasi.
THE INFLUENCE OF FINTECH DIGITAL PAYMENT AND P2P LENDING ON INDONESIA’S ECONOMIC GROWTH Yasir Maulana; Munir Nur Komarudin; Wely Hadi Gunawan; Ayus Ahmad Yusuf
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 6, No 3 (2022): IJEBAR, Vol. 6 Issue 3, September 2022
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v6i3.6633

Abstract

Studies suggest that financial innovations, or "Fintech," boost GDP. Due to social distance and business operations, fintech digital payment and lending have the edge over conventional financial institutions. Fintech lenders don't require face-to-face meetings. This study examines the influence of Fintech digital payment and peer-to-peer lending on Indonesia's economy. Use OJK statistics on peer-to-peer lending and fintech, Statista data on digital payments, and Bank of Indonesia data on economic growth as secondary sources. Digital Payment and P2P financing have a favorable but small influence on Indonesia's economic development, according to multiple regression. Digital Payments and P2P Lending Explain 88% of Economic Growth.