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All Journal Jurnal Akuntansi dan Pajak Lentera: Jurnal Ilmiah Kependidikan Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Jurnal Ilmiah Edunomika (JIE) Lexeme : Journal of Linguistics and Applied Linguistics Jurnal Dinamika Ekonomi Syariah Ksatra: Jurnal Kajian Bahasa dan Sastra Forum Bisnis dan Kewirausahaan Al-Mashrof: Islamic Banking and Finance Indonesian Journal of Islamic Economics and Business Journal of Management and Digital Business J-EBI Jurnal Ekonomi dan Bisnis Islam Al-Idarah : Jurnal Manajemen dan Bisnis Islam Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Indo-Fintech Intellectuals: Journal of Economics and Business Jurnal Media Akademik (JMA) El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Jurnal Rekognisi Ekonomi Islam (JREI) Jurnal Ekonomi, Manajemen, Akuntansi
Zathu Restie Utamie
Universitas Islam Negeri Raden Intan Lampung
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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The Effect of QRIS Transaction Value on the Velocity of Money in Indonesia: The Moderating Role of Inflation and an Islamic Economic Perspective, 2020 - 2024 habib, habiburrahman; Zathu Restie Utamie; Alhadi Kurnia Thoyib
Al-Mashrof: Islamic Banking and Finance Vol. 7 No. 1 (2026): Al-Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ffjndx33

Abstract

The digitalization of payment systems has transformed transaction behavior and monetary circulation in Indonesia, particularly through the implementation of the Quick Response Code Indonesian Standard (QRIS). This study aims to analyze the effect of QRIS on the velocity of money in Indonesia during the 2020 - 2024 period and to examine whether inflation moderates this relationship. This research employs a quantitative approach using monthly time-series secondary data from January 2020 to December 2024, resulting in 60 observations. The QRIS variable is measured by the value of QRIS transactions and transformed into a natural logarithm (LnQRIS), while the velocity of money is calculated by dividing nominal Gross Domestic Product by broad money supply (M2). Inflation is measured using the consumer price index-based inflation rate. The data were obtained from Bank Indonesia and Statistics Indonesia/Badan Pusat Statistik. The analytical methods used in this study are simple linear regression and Moderated Regression Analysis (MRA), supported by classical assumption and time-series diagnostic tests. The results show that QRIS has a positive and significant effect on the velocity of money in Indonesia. This finding indicates that QRIS contributes to faster monetary circulation through payment efficiency, transaction accessibility, and digital financial inclusion. Meanwhile, inflation does not significantly moderate the relationship between QRIS and the velocity of money. This suggests that the effect of QRIS on monetary circulation operates primarily through technological and transactional efficiency rather than through price-level dynamics. From an Islamic economic perspective, QRIS may support more efficient, transparent, and productive economic transactions, as long as its use remains aligned with the principles of justice, halal transactions, and the avoidance of excessive consumption. Keywords: QRIS, Velocity of Money, Inflation, Digital Payment, Islamic Economics
Pengaruh Ekspor, Impor, Dan Kurs Terhadap Neraca Pembayaran Negara Asean Perspektif Ekonomi Islam Mutiara Aziziah; Erike Anggraeni; Zathu Restie Utamie
Indonesian Journal of Islamic Economics and Business Vol. 11 No. 1 (2026): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v11i1.6087

Abstract

This study aims to analyze the effect of exports, imports, and exchange rates on the balance of payments in five ASEAN countries, namely Indonesia, Malaysia, Singapore, Thailand, and Brunei Darussalam during the 2014–2024 period from both economic and Islamic perspectives. This research employs a quantitative associative approach using panel data obtained from the World Bank through the World Development Indicators database. The data were analyzed using panel data regression with EViews software. The findings reveal that exports have a positive and significant effect on the balance of payments by increasing foreign exchange earnings and strengthening the current account. Imports also significantly affect the balance of payments, particularly when they consist of capital goods and raw materials that support domestic production and economic growth, although excessive imports of consumption goods may weaken external balances. Furthermore, the exchange rate significantly influences the balance of payments through its impact on export competitiveness and import costs. Simultaneously, exports, imports, and exchange rates significantly affect the balance of payments in the five ASEAN countries. From an Islamic economics perspective, balance of payments management should uphold the principles of balance (tawazun), justice (‘adl), and the avoidance of riba and speculative activities in international economic transactions. The study contributes to the literature by integrating macroeconomic analysis with Islamic economic principles in the ASEAN context.
Ketimpangan PAD di Tengah Pertumbuhan Ekonomi dan Pembangunan Manusia: Analisis PDRB Per Kapita, IPM, dan Inflasi Daerah Akbar Nurul Hidayah; Rosydalina Putri; Zathu Restie Utamie
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 6: September 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i6.9841

Abstract

Ketimpangan antar wilayah merupakan tantangan serius dalam pembangunan ekonomi Indonesia, terutama dalam konteks kemandirian daerah yang tercermin dari Pendapatan Asli Daerah (PAD). Penelitian ini bertujuan untuk menganalisis pengaruh PDRB per kapita, IPM, dan inflasi daerah terhadap disparitas PAD di wilayah Sumatera bagian Selatan (Sumbagsel). Metode yang digunakan adalah pendekatan kuantitatif dengan analisis data panel selama periode 2010–2024, yang diolah menggunakan model Random Effect Model melalui perangkat lunak EViews 10. Hasil penelitian menunjukkan bahwa secara simultan, ketiga variabel independen mempunyai pengaruh signifikan terhadap disparitas PAD. Namun jika dilihat secara parsial, hanya IPM yang menunjukkan pengaruh negatif dan signifikan terhadap disparitas PAD. Sementara itu, PDRB per kapita dan inflasi daerah tidak memberikan dampak yang signifikan. Temuan ini menegaskan bahwa kualitas sumber daya manusia memiliki peran penting dalam mengurangi ketimpangan PAD antarwilayah. Oleh karena itu, kebijakan untuk meningkatkan IPM perlu menjadi prioritas dalam upaya pemerataan pembangunan daerah dan memperkuat otonomi fiskal.
The Effect of Work Overtime and Organizational Commitment on Employee Performance: The Moderating Role of Leader-Member Exchange (LMX) in Human Resource Management M Irfan Dwi Syambara; A Zuliansyah; Zathu Restie Utamie
Jurnal Dinamika Ekonomi Syariah Vol. 12 No. 2 (2025): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Universitas Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53429/jdes.v12i2.1704

Abstract

This study aims to analyze the effect of overtime work and organizational commitment on employee performance, with leader-member exchange (LMX) as a moderating variable in the perspective of Human Resource Management. The MSDI approach views humans as intact work subjects, which must be managed by paying attention to spiritual, ethical, and humanitarian aspects. The research method used is quantitative with a survey approach, and the data is analyzed using Moderated Regression Analysis (MRA). The results showed that overtime work has a positive and significant effect on employee performance. Meanwhile, organizational commitment shows a positive and significant effect on employee performance. The findings also show that LMX significantly moderates the effect of overtime work variables on employee performance, where a good superior-subordinate relationship can strengthen the positive impact. LMX moderates with the weakening path of the organizational commitment relationship and has a negative impact on employee performance. These results indicate the importance of humanistic approaches and Islamic values in the management of human resources to improve performance in a sustainable manner
ANALISIS PENGARUH PENGEMBANGAN HALAL TOURISM, FOREIGN DIRECT INVESTMENT (FDI) DAN SEKTOR UMKM TERHADAP LAJU PERTUMBUHAN EKONOMI DI INDONESIA TAHUN 2015-2024 DALAM PERSPEKTIF EKONOMI ISLAM Mei Linda; Erike Anggraeni; Zathu Restie Utamie
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 10 No 2 (2026): Edisi Mei - Agustus 2026
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v10i2.7629

Abstract

Laju pertumbuhan ekonomi Indonesia dalam kurun waktu 2015–2024 menghadapi tantangan dinamis yang dipicu oleh ketidakpastian global serta dampak pandemi COVID-19 yang sempat mengakibatkan deselerasi output nasional, sehingga menuntut adanya strategi penguatan pada sektor produktif yang resilien. Penelitian ini bertujuan untuk menganalisis pengaruh pengembangan halal tourism, Foreign Direct Investment (FDI), dan sektor Usaha Mikro, Kecil, dan Menengah (UMKM) terhadap laju pertumbuhan ekonomi di Indonesia dalam perspektif ekonomi Islam. Menggunakan pendekatan kuantitatif, penelitian ini mengandalkan data sekunder yang mencakup 34 provinsi di Indonesia selama sepuluh tahun periode pengamatan. Sampel penelitian diambil menggunakan metode purposive sampling dari seluruh data indikator ekonomi nasional, dengan teknik analisis data menggunakan regresi data panel dibantu aplikasi EViews 13. Berdasarkan hasil pemilihan model melalui Uji Chow dan Uji Hausman, ditetapkan bahwa Fixed Effect Model (FEM) merupakan model terbaik dalam mengestimasi hubungan antarvariabel. Temuan penelitian menunjukkan bahwa secara simultan, halal tourism, FDI, dan UMKM berpengaruh signifikan terhadap laju pertumbuhan ekonomi. Secara parsial, ketiga variabel tersebut memberikan kontribusi positif yang signifikan terhadap peningkatan PDRB. Dalam perspektif ekonomi Islam, pertumbuhan ini mencerminkan pencapaian falah melalui penguatan sektor riil yang inklusif. Integrasi ketiga sektor ini merupakan implementasi nyata dari prinsip maqashid syariah, khususnya dalam menjaga harta (hifdzul mal) dan keberlangsungan generasi (hifdzun nasl). Strategi tersebut memastikan bahwa pembangunan ekonomi tidak meninggalkan masyarakat dalam kondisi lemah secara finansial, sebagaimana amanat dalam QS. An-Nisa’ [4]:9 mengenai pentingnya menyiapkan ketahanan ekonomi bagi generasi mendatang.
Peran Media Sosial dalam Peningkatan Kemampuan Menulis Argumentatif Mahasiswa Bahasa Indonesia: Tinjauan Pustaka Zathu Restie Utamie
Lentera: Jurnal Ilmiah Kependidikan Vol. 19 No. 1 (2026): Lentera
Publisher : STKIP PGRI Bandar Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52217/mdz4jw71

Abstract

This study examines the role of social media in enhancing the argumentative writing skills of Indonesian language students—a crucial literacy competency in higher education. A review of the literature reveals that argumentative writing poses a significant challenge for students, who often struggle to construct logical, evidence-based arguments. Social media—through platforms such as blogs, online discussion forums, and WhatsApp groups—offers opportunities to develop these writing skills. The literature review indicates that social media not only facilitates student collaboration but also accelerates the writing revision process through immediate feedback. Furthermore, the use of digital platforms in learning can improve students' digital literacy and foster critical thinking skills. This study aims to provide deeper insight into how social media can serve as an effective learning tool to enhance argumentative writing skills among students, particularly within the context of higher education in Indonesia. These findings are expected to contribute to the development of more relevant and effective teaching methods for the digital era.
Co-Authors A. Zuliansyah Akbar Nurul Hidayah Akbar Nurul Hidayah Alhadi Kurnia Thoyib Alvi Choiriah Alvin Destian Ronaldi Ani Listiawati Asmalia, Ghina Aulia, Nanda Choiriah, Alvi Dharmawan, Imam Eli Juliana elza pebriyani Erike Anggraeni fadil, Ahmad Ghina Asmalia Ghina Ulfah Saefurrohman Gustika Nurmalia habib, habiburrahman Heni Verawati Husni Ainurridho Indico Yudha Ardhana Khoirul Ma’rub Komala Sari Kurniati, Erlin Lily Mingsi Linda Ainoen M Irfan Dwi Syambara Mardiansyah Mega Fatimah Rosana Mei Linda Mia Selvina Muhammad Fahrizal Tanjung Muhammad Fikri Nugraha Kholid Muhammad Iqbal Fasa Muhammad Singgih Mutiara Aziziah Mutiasari Nur Wulan Nurhayati Nurhayati Rizka Dwi Maretha Ronaldi, Alvin Destian Rosydalina Putri Salwa Fitria Widianti Sania Lisdayanti Shinta Deanova Chareunnisa Suhendar Susila Andriyati Tommy Hastomo Weny Rosilawati Yulistia Devi Zuliansyah, A Zuliansyah, Ahmad