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All Journal Indonesia Journal of Halal Equilibrium: Jurnal Ekonomi-Manajemen-Akuntansi Oeconomicus Journal of Economics El-Qist : Journal of Islamic Economics and Business (JIEB) JDEP (Jurnal Dinamika Ekonomi Pembangunan) Journal of Economics Development Issues Al-Muraqabah: Journal of Management and Sharia Business Jurnal Manajemen Dan Bisnis Ekonomi Economie : Jurnal Ilmu Ekonomi JEBD CURVE: Journal of Economic, Business and Accounting
Utami Silfia Ayu, Betty
Universitas Islam Negeri Sunan Ampel Surabaya
Religion Agriculture, Biological Sciences & Forestry Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Engineering Environmental Science Library & Information Science Social Sciences Other

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Dampak Pandemi Covid 19 Terhadap Sektor UMKM di Indonesia Utami, Betty Silfia Ayu
Economie: Jurnal Ilmu Ekonomi Vol 3, No 2 (2021): June
Publisher : Faculty of Economic an Business Wijaya Kusuma Surabaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (200.354 KB) | DOI: 10.30742/economie.v3i1.1511

Abstract

The COVID-19 pandemic has had a very significant impact on the domestic economy of nation-states and the existence of SME’s. This research aims to analyze the impact of the COVID-19 pandemic on the SME’s sector in Indonesia as well as the efforts made by the government in helping SME’S survive in the Covid-19 pandemic situation. The research method used in qualitative descriptive research, data collection techniques using documentation techniques, namely collecting data from various reference source. The results of the research are that the COVID-19 pandemic has had a tremendous impact on the performance of SME’s in Indonesia, this can be seen from the conditions before Covid-19, the percentage of good/very good business conditions of 92.7 percent and poor/very bad business conditions 1, 0 percent, after covid the bad/very bad business conditions increased by 56.8 percent compared to the original 1.0 percent. So it can be concluded that the COVID-19 pandemic has resulted in a decline in the performance of SME’s
Potensi Inovasi Indonesia di Tengah Bonus Demografi: Menjawab Tantangan Global Syakirul Niam; Betty Silfia Ayu Utami
JURNAL MANAJEMEN DAN BISNIS EKONOMI Vol. 2 No. 4 (2024): October : JURNAL MANAJEMEN DAN BISNIS EKONOMI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jmbe-itb.v2i4.2542

Abstract

Indonesia’s demographic bonus, marked by a large working-age population, offers significant potential to drive economic growth and innovation. However, despite this demographic advantage, Indonesia faces challenges in workforce quality, investment in research and development (R&D), and technological infrastructure. According to the Global Innovation Index 2023, Indonesia ranks 62nd out of 132 countries in innovation. The low proportion of skilled workers and the lack of formal training programs within companies exacerbate the innovation gap. To fully leverage its demographic potential, Indonesia needs comprehensive policy reforms in education and R&D, increased investment in human capital, and strengthened technological infrastructure. Without these improvements, the demographic bonus risks turning into a long-term burden rather than a catalyst for innovation and economic growth.
Determinan Penyerapan Tenaga Kerja Perempuan di 38 Kabupaten/Kota Provinsi Jawa Timur Tahun 2019-2023 Bachtiar, Dinda Rahmah Azizah; Utami, Betty Silfia Ayu
JDEP (Jurnal Dinamika Ekonomi Pembangunan) Vol. 8 No. 1 (2025): Vol. 8 No. 1 (2025): JDEP (Jurnal Dinamika Ekonomi Pembangunan)
Publisher : UPN "Veteran" Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33005/jdep.v8i1.657

Abstract

Tujuan pada penelitian ini untuk menelaah apakah akses internet, tingkat pendidikan dan upah minimum memengaruhi penyerapan tenaga kerja perempuan di kab/kota Provinsi Jawa. Metode kuantitatif digunakan pada penelitian ini. Regresi data panel menjadi teknik analisis pada penelitian ini. Output penelitian ini memperlihatkan antara akses internet, tingkat pendidikan dan upah minimum mempunyai pengaruh positif dan signifikan secara simultan terhadap penyerapan tenaga kerja perempuan di kab/kota Provinsi Jawa Timur. Disamping itu, akses internet secara parsial memengaruhi secara signifikan terhadap penyerapan tenaga kerja perempuan di kab/kota Provinsi Jawa Timur. Akan tetapi, tingkat pendidikan dan upah minimum secara parsial tidak memengaruhi secara signifikan terhadap penyerapan tenaga kerja perempuan di kab/kota Provinsi Jawa Timur. Sehingga pemerintah perlu memperluas akses internet di seluruh Jawa Timur, terutama di daerah dengan akses terbatas, sehingga perempuan dapat memanfaatkan pelatihan online dan lebih mudah mencari pekerjaan. Pemerintah juga perlu meninjau kualitas pendidikan agar lebih relevan dengan kebutuhan zaman serta meningkatkan program pelatihan khusus bagi perempuan. Selain itu, evaluasi UMP penting dilakukan agar upah minimum mencerminkan kebutuhan hidup yang layak dan memastikan kebijakan upah yang adil tanpa diskriminasi gender.
Analisis SWOT dengan Model Importance Performance Analysis (IPA) Pada Layanan Fintech Bank Syariah di Indonesia Mazza Basya, Maziyah; Utami Silfia Ayu, Betty
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 10 No. 2 (2020): October
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2020.10.2.179-191

Abstract

Fintech has great potential to encourage the development of Islamic economics and finance in Indonesia, especially now that fintech-based services have been widely applied in the Islamic finance industry in various countries. Fintech can be applied to Islamic banking to encourage the development of the Islamic financial industry by providing more efficiency and fast service to customers, however the existing fintech services have not fully met the expectations of its customers. Basically, SWOT analysis is used as a tool to formulate strategic planning based on the top managerial brainstorming process. Nowadays, some experts criticize the subjectivity of SWOT analysis for being too high, so this research uses the Importance Performance Analysis (IPA) method to determine the perceptions of fintech financing customers in Islamic banks in Indonesia so that it can be taken into consideration in managerial decision making for the development of Islamic bank fintech financing. in Indonesia. Key Words: Fintech; Islamic Bank; SWOT analysis; Importance Performance Analysis   Abstrak: Fintech sangat potensial untuk mendorong perkembangan ekonomi dan keuangan Syariah di Indonesia, terlebih saat ini layanan berbasis fintech telah banyak diterapkan dalam industri keuangan Syariah di berbagai Negara. Fintech dapat diaplikasikan pada perbankan Syariah untuk mendorong pengembangan industri keuangan Syariah dengan lebih memberikan efisiensi dan pelayanan jasa dalam waktu cepat kepada para nasabah, namun layanan fintech yang ada belum sepenuhnya memenuhi harapan nasabahnya. Analisis SWOT pada dasarnya digunakan sebagai alat untuk merumuskan perencanaan strategis berdasarkan proses brainstorming top manajerial. Dewasa ini, beberapa ahli mengkritisi subjektivitas analisis SWOT yang terlalu tinggi, sehingga penelitian ini menggunakan metode Importance Performance Analysis (IPA) untuk mengetahui persepsi nasabah pembiayaan fintech pada bank Syariah di Indonesia sehingga dapat dijadikan pertimbangan dalam pengambilan keputusan bagi manajerial untuk pengembangan pembiayaan fintech bank Syariah di Indonesia. Kata Kunci: Fintech; Bank Syariah; Analisis SWOT; Importance Performance Analysis
Relationship Between Economy and Moderation of Religion in Mororejo Village, Tosari District, Pasuruan Regency Lathifah, Nurul; Utami, Betty Silfia Ayu; Debby Nindya, Istiandari; Yusman, Beta Aria Nur Azizah; Pratiwi, Nur Fadillah Wahyuni Eka
OECONOMICUS Journal of Economics Vol. 9 No. 2 (2025): (June) edisi 18
Publisher : Program Studi Ilmu Ekonomi UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/oje.2025.9.2.151-162

Abstract

Economy and moderation are two things that cannot be separated. The relationship between the economy and moderation can be seen in Mororejo Village, Tosari District, Pasuruan Regency, empowering economic potential through increasing levels of productivity has a relationship to conditions of religious moderation in society, where people can accept religious differences that occur in their environment without discriminatory attitudes towards adherents minority religion. The attitude of acceptance of religious differences that occur also indirectly shows how the relationship of religious moderation is to economic conditions in Mororejo Village, where mutual tolerance and willingness to work together between religious adherents contribute to increasing the average production of the agricultural sector and raise people's average income.
Strategi Penerapan Teknologi Digital Berbasis E-Commerce Untuk Meningkatkan Daya Saing UMKM di Industri Kreatif Indonesia Adinda Putri Aulia; Betty Silfia Ayu Utami
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 2 (2025): Oktober - Desember
Publisher : CV. ITTC INDONESIA

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

Abstract

The aim of this research is to analyze strategies for implementing e-commerce-based digital technology to increase the competitiveness of Indonesian creative industry MSMEs. This research uses a qualitative approach to collect data through in-depth interviews, observation and documentation of creative sector MSME stakeholders. The findings show that e-commerce adoption provides significant opportunities for MSMEs to increase product awareness, expand markets, and compete with large companies. However, the biggest challenge is a lack of understanding in managing and optimizing e-commerce platforms and low digital literacy, especially among older MSMEs. Leveraging analytical data from e-commerce platforms allows MSMEs to understand market trends and consumer preferences, but optimizing the use of these features requires ongoing training. Apart from that, digital collaboration with logistics service providers and influencers has also proven successful in increasing operational efficiency and expanding product marketing. Barriers such as uneven digital infrastructure, slow internet access, and limited funds to invest in technology still exist. Therefore, steps are urgently needed to encourage investment in digital infrastructure and digital skills training programs to increase the competitiveness of MSMEs. This study contributes to understanding the role of e-commerce-based digital technology as a strategy to increase the competitiveness of MSMEs in Indonesia's creative economy.
Peran BUMDes Hendrosari dalam Pengembangan Ekonomi Lokal sebagai Upaya Kemandirian Ekonomi Desa Zhafirah Desvalieta Vianny; Betty Silfia Ayu Utami
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 2 (2025): Oktober - Desember
Publisher : CV. ITTC INDONESIA

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

Abstract

Village economic development is a crucial component of national development strategy, aiming to achieve equitable prosperity and village self-sufficiency. Law Number 6 of 2014 concerning Villages grants authority to villages to manage local potential through Village-Owned Enterprises (BUMDes). This research aims to analyze the role of BUMDes Hendrosari in local economic development as an effort to realize village economic self-sufficiency. The research method used is descriptive qualitative with a literature study approach, through the review of academic literature, policy documents, and publications related to BUMDes management. The results show that BUMDes Hendrosari successfully transformed the village's image from an "intoxicating village" to an educational tourism village through the development of Lontar Sewu Edu-Tourism. This strategy not only increased tourist visits but also encouraged the growth of local MSMEs, such as restaurants with typical milkfish dishes and siwalan-based beverages. BUMDes' contribution to village economic self-sufficiency is reflected in increased job opportunities, growth of Village Original Income (PADes), and reduced community dependence on external aid. However, challenges remain, including dependence on a single tourism icon, limitations in human resource capacity, uneven community participation, and competition with other tourist destinations in Gresik. This research affirms that the success of BUMDes Hendrosari depends not only on local potential but also on participatory, innovative, and sustainable governance.
ENVIRONMENTALLY BASED TOURISM IN THE TRANSFORMATION OF THE REGIONAL ECONOMIC STRUCTURE OF EAST JAVA WITH LOCATION QUOTIENT AND SPATIAL PANEL ANALYSIS Renta Yustie; Ermatry Hariani; Betty Silfia Ayu Utami; Novi Theresia Kiak
CURVE: Journal of Economic, Business and Accounting Vol 2 No 2 (2026): Agustus
Publisher : PT. Habe Cendekia Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66596/1hdf6113

Abstract

The transformation of the regional economic structure in East Java is influenced by the development of environmentally based tourism, along with the increasing demands for sustainable development and inter-regional ecological conditions. While the tourism sector is seen as a driver of regional economic growth, empirical evidence linking sectoral specialization, environmental quality, and spatial linkages within a regional economic framework is still limited. This study aims to analyze the role of environmentally based tourism in driving the transformation of the regional economic structure in East Java. The study uses panel data from regencies and cities in East Java over several years of observation 2015 until 2024. Location Quotient is applied to identify the comparative advantages of the tourism sector, while a spatial panel regression model is used to estimate the influence of tourism and environmental variables on regional economic performance, taking into account spatial dependencies between regions. The analysis results indicate that environmentally based tourism has a high level of specialization in several regions and contributes positively and significantly to regional economic growth. Empirical findings also reveal spatial spillover effects, where tourism development in a region influences the economic performance of surrounding regions, with the environment acting as a moderating factor. This study offers novelty by integrating the Location Quotient and spatial panel econometrics in the study of environmentally based tourism and provides important policy implications for sustainable regional economic development planning.
DETERMINAN NERACA PERDAGANGAN INDONESIA TAHUN 2000 –2024 Nova Putri Wulandari; Betty Silfia Ayu Utami
CURVE: Journal of Economic, Business and Accounting Vol 2 No 2 (2026): Agustus
Publisher : PT. Habe Cendekia Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66596/aqm3bz62

Abstract

The trade balance is one of the key indicators reflecting a country’s economic condition through export and import activities. As one of the world’s leading producers of crude palm oil (CPO), Indonesia relies heavily on CPO exports as a source of foreign exchange. Changes in CPO export volume, international CPO prices, the inflation rate, and the U.S. dollar exchange rate are believed to influence the performance of Indonesia’s trade balance. This study aims to analyze the impact of these four variables on Indonesia’s trade balance in both the short and long term. The study employs a quantitative approach using annual secondary data from 2000 to 2024. The trade balance is used as the dependent variable, while CPO export volume, international CPO prices, inflation, and the U.S. dollar exchange rate serve as independent variables. The analysis was conducted using the Vector Error Correction Model (VECM) to identify short-term and long-term relationships among the variables. The results show that in the short term, none of the variables had a significant effect on Indonesia’s trade balance. Conversely, in the long term, CPO export volume, international CPO prices, inflation, and the U.S. dollar exchange rate had significant effects. CPO exports and prices increase foreign exchange earnings, while inflation reduces export competitiveness. The U.S. dollar exchange rate also affects international trade competitiveness. These findings indicate 
Co-Authors Abdul Hakim Adinda Putri Aulia Bachtiar, Dinda Rahmah Azizah Debby Nindya, Istiandari Ermatry Hariani Frisca Yunita Sari Kafabih, Abdullah Lathifah, Nurul Maziyah Mazza Basya Nova Putri Wulandari Novi Theresia Kiak Nuzulul Siswo Abdulaziz Praktikto, Muhammad Iqbal Surya Pratiwi, Nur Fadillah Wahyuni Eka Rahmawati, Lilik Renta Yustie Syakirul Niam Yusman, Beta Aria Nur Azizah Zhafirah Desvalieta Vianny