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All Journal Harmoni Sosial: Jurnal Pendidikan IPS Jurnal Ekonomi & Studi Pembangunan IJBE (Integrated Journal of Business and Economics) Journal of Economics Research and Social Sciences ARBITRASE: JOURNAL OF ECONOMICS AND ACCOUNTING Jurnal Genesis Indonesia Ahsana: Jurnal Penelitian dan Pengabdian kepada Masyarakat Jurnal REP (Riset Ekonomi Pembangunan) Socius: Social Sciences Research Journal Journal of Regional Economics and Development Optimum: Jurnal Ekonomi dan Pembangunan
Lubis, Firsty Ramadhona Amalia
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Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Languange, Linguistic, Communication & Media Social Sciences Other

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UMKM Go Digital: Memanfaatkan Fintech dan Sumber Pendanaan untuk Ekspansi Bisnis Lubis, Firsty Ramadhona Amalia; Az zakiyyah, Nurul Azizah; Sukarniati, Lestari; Basia, Lusmino; Cholida, Maya Nur; Apriliana, Dwi; Gatari, Altis Puspa; A'yun, Indanazulfa Qurrota; Nasir, Muhammad Safar
Ahsana: Jurnal Penelitian dan Pengabdian kepada Masyarakat Vol. 3 No. 2 (2025): Juni 2025 - Ahsana: Jurnal Penelitian dan Pengabdian kepada Masyarakat
Publisher : Indonesian Scientific Journal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59395/ahsana.v3i2.393

Abstract

Pelatihan bertema "UMKM Go Digital: Memanfaatkan Fintech dan Sumber Pendanaan untuk Ekspansi Bisnis bertujuan untuk mendorong transformasi digital pada pelaku usaha mikro, kecil, dan menengah (UMKM) melalui pendekatan terpadu literasi keuangan dan pemanfaatan teknologi. Kegiatan pelatihan melibatkan kombinasi teori dan praktik pengelolaan media sosial, serta penggunaan Excel untuk pencatatan keuangan. Hasil dari pelatihan ini menunjukkan bahwa Toko Roti Marauleng berhasil memahami menerapkan pencatatan keuangan yang terstruktur. Transformasi ini tidak hanya meningkatkan efisiensi operasional dan pemisahan keuangan pribadi dan usaha, tetapi juga  berkontribusi dalam memperkuat daya saing serta kesiapan UMKM dalam memanfaatkan fintech dan akses pendanaan untuk ekspansi bisnis yang berkelanjutan.
Regional income disparities in Indonesia: Insights from the Williamson index and panel data analysis Rachmawati, Linda Nur; Lubis, Firsty Ramadhona Amalia; Azzakiyyah, Nurul Azizah
Optimum: Jurnal Ekonomi dan Pembangunan Vol. 15 No. 2 (2025)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/optimum.v15i2.12953

Abstract

Indonesia records the highest income disparity in Southeast Asia and ranks sixth globally in terms of income inequality, as evidenced by its position in recent international analyses and inequality reports. This study aims to examine the effects of Gross Regional Domestic Product (GRDP) per capita, Human Development Index (HDI), Open Unemployment Rate (OUR), and investment on income distribution inequality, measured using the Williamson Index in Indonesia. The research utilizes panel data spanning from 2018 to 2022 across 34 provinces. A multiple linear regression analysis with panel data methodology was employed, selecting the Fixed Effect Model (FEM) as the most suitable estimator.​ The findings reveal that, collectively, all independent variables in the model significantly influence income distribution inequality. Individually, GRDP per capita has a positive and significant effect on income inequality, HDI exhibits a negative and significant impact, OUR shows no significant effect, while investment negatively and significantly affects income distribution inequality. ​This study contributes by providing input to stakeholders in formulating policies that can be implemented to address income distribution inequality, particularly in the Indonesia.
Competitiveness of Indonesia’s export products with IJEPA cooperation framework Sukarniati, Lestari; Lubis, Firsty Ramadhona Amalia; Hossain, MD Modabber
Optimum: Jurnal Ekonomi dan Pembangunan Vol. 14 No. 2 (2024)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/optimum.v14i2.8356

Abstract

Bilateral cooperation between Indonesia and Japan Economic Partnership Agreement (IJEPA) is a form of bilateral cooperation between Indonesia and Japan that carries the concept of the Economic Partnership Agreement (EPA). With one of IJEPA's goals in the form of capacity building, Bilateral cooperation between Indonesia and Japan Economic Partnership Agreement (IJEPA) is a form of bilateral cooperation between Indonesia and Japan that carries the concept of the Economic Partnership Agreement (EPA). With one of IJEPA's goals in the form of capacity building, IJEPA provides space for both parties to collaborate in order to increase the competitiveness of Indonesian producers. Problems in trying to maximize the impact of the IJEPA agreement on increasing domestic product product industries have encouraged Indonesia to be able to determine what products are worthy of being superior products in the context of international trade conducted with Japan. This study analyzes the trade and competitiveness of Indonesian products using Revealed Symmetric Comparative Advantage (RSCA) and Product Mapping.The results of the product mapping analysis show that there are 3 commodities that are included in the top five highest comparative advantage in 2003, 2013 and 2021, namely HS 11 commodities (Milling Industrial Products; Malt; Starch; Inulina; Wheat Gluten) HS code 21 (Extracts, essences and concentrates, from coffee, tea or mate and preparations with a basis of these products or with a basis of coffee, tea or mate) and HS code 25 (Salt; Sulfur; Soil and Stone; Plaster, Cal and Cement). This shows that these three products can be used as specialization products for Indonesia's trade with Japan.
STATE-OWNED BANK AND NATIONAL PRIVATE FOREIGN EXCHANGE COMMERCIAL BANK FINANCIAL PERFORMANCE: BEFORE AND DURING THE COVID-19 PANDEMIC ERA Az zakiyyah, Nurul Azizah; Lubis, Firsty Ramadhona Amalia
Jurnal REP (Riset Ekonomi Pembangunan) Vol. 7 No. 2 (2022): October 2022
Publisher : Universitas Tidar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31002/rep.v7i2.14

Abstract

The banking sector has a fairly important role related to its function which is a sub-system in the economy of a country. In the modern era, the banking sector is used in various activities including the provision of goods and services, consumption, and investment made by the community. This study aims to determine the performance of commercial banks before and during the COVID-19 pandemic. The data used in this study is cross-section data from 28 state-owned banks and National Private Foreign Exchange Commercial Bank in 2019 and 2020. The data were analyzed using the CAMEL analysis method. The result of the analysis showed there is no significant difference in performance between state-owned banks and National Private Foreign Exchange Commercial Bank before and during the covid-19 pandemic.
Co-Authors A'yun, Indanazulfa Qurrota Afifah, Evi Noor Agus Salim Anita, Rossy Dwi Apriliana, Dwi Az zakiyyah, Nurul Azizah Azzakiyyah, Nurul Azizah Basia, Lusmino Cholida, Maya Nur Gatari, Altis Puspa Hossain, MD Modabber Ilyasa, Wahyu Nur Juniyar, Naufal Khoirudin, Rifki Lestari Sukarniati, Lestari Lustina Fajar Prastiwi Mahrus Lutfi Adi Kurniawan, Mahrus Lutfi Adi Nasir, Muhammad Safar Ningsih, Selly Kudrati Nisa, Nur Ainun R.G.P, Muhammad Arsy Rachmawati, Linda Nur Widyaningrum, Tri Yanti, Eva Virda Yuandita, Risya Yunizarrahman, Yunizarrahman