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All Journal Jurnal Ekonomi & Studi Pembangunan Muttaqien; Indonesian Journal of Multidiciplinary Islamic Studies Journal of Economics Research and Social Sciences WELFARE Jurnal Ilmu Ekonomi Ahsana: Jurnal Penelitian dan Pengabdian kepada Masyarakat Jurnal REP (Riset Ekonomi Pembangunan) Riwayat: Educational Journal of History and Humanities Socius: Social Sciences Research Journal Jurnal Pengabdian Masyarakat Berkarya JITAA : Journal Of International Taxation, Accounting And Auditing JIDE : Journal Of International Development Economics INCIDENTAL : JOURNAL OF COMMUNITY SERVICE AND EMPOWERMENT
Az zakiyyah, Nurul Azizah
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Transportation Other

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PENGARUH INDEKS PEMBANGUNAN MANUSIA, TINGKAT PENGANGGURAN TERBUKA, PDRB, DAN PARTISIPASI ANGKATAN KERJA TERHADAP KEMISKINAN DI JAWA TENGAH TAHUN 2017-2022 Andini, Anggun; Az Zakiyyah, Nurul Azizah
JITAA : Journal Of International Taxation, Accounting And Auditing Vol 3 No 1 (2024): JITAA : Journal Of International Taxation, Accounting And Auditing
Publisher : Pusat Studi Ekonomi Publikasi Ilmiah dan Pengembangan SDM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62668/jitaa.v3i1.1169

Abstract

Poverty, which is still a challenge in Central Java, has a worrying impact on various aspects of people's lives. This research aims to determine the influence of the Human Development Index (HDI), Open Unemployment Rate (TPT), Gross Regional Domestic Product (GRDP), and Labor Force Participation (PAK) on the poverty level in each district/city. in Central Java. The research method used is the use of panel data (time series and cross section) in 35 districts/cities in Central Java during the 2017-2022 period, by applying the Random Effect Model (REM). Research findings show that the Human Development Index (HDI) has a significant negative impact on poverty levels. On the other hand, the Open Unemployment Rate (TPT) has a positive and significant effect on the poverty level, while the Gross Regional Domestic Product (GRDP) makes a negative and significant contribution. However, Labor Force Participation (PAK) has not been proven to have a significant influence on poverty levels in districts/cities in Central Java.
Sustaining innovation: How financial investment shapes patent creation in leading economies? Gatari, Altis Puspa; Lubis, Firsty Ramadhona Amalia; Khoirudin, Rifki; Az Zakiyyah, Nurul Azizah; Kurniawan, Mahrus Lutfi Adi; Salim, Agus
Jurnal Ekonomi & Studi Pembangunan Vol. 25 No. 2: October 2024
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jesp.v25i2.26366

Abstract

This study aims to analyze the role of liquidity in promoting patent-based innovation in the 10 countries with the highest innovation rates during the period 2012-2021. Using secondary data from the World Development Indicators (WDI), World Intellectual Property Organization (WIPO), and World Integrated Trade Solution (WITS), this study applies panel data regression method with Seemingly Unrelated Regression (SUR) approach to identify the influence of economic variables on the number of patents. The independent variables analyzed include equity x high technology, credit x high technology, industrial value added, exports, and liquidity. The results show that high-tech-based equity and credit have a significant influence on increasing the number of patents, while exports and liquidity do not show a meaningful influence. Value-added was also shown to have a significant contribution to innovation. These findings indicate that funding stability and long-term investment in research and development (R&D) determine innovation success more than the level of liquidity of the firm. Therefore, government policies and funding strategies should focus on improving access to high-tech-based financing as well as incentivizing R&D activities to foster a sustainable innovation ecosystem.
Analisis Pengaruh Makroekonomi terhadap Nilai Tukar Rupiah: Pendekatan Vector Error Correction Model (VECM) di Indonesia Lutvi, Nadzwa Amalia; Az Zakiyyah, Nurul Azizah
WELFARE Jurnal Ilmu Ekonomi Vol 6, No 1 (2025): Mei
Publisher : Jurusan Ekonomi Pembangunan, Fakultas Ekonomi, Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/wlfr.v6i1.14510

Abstract

This study uses the Vector Error Correction Model (VECM) method to analyze the exchange rate relationship with GDP, remittances, investment, and inflation in Indonesia for the period 2011Q1-2023Q4. The study aims to separate the short-run and long-run effects and uses variance decomposition to identify the contribution of each variable to the exchange rate. The analysis shows that investment has a significant effect on the exchange rate in the long run, while GDP, remittances, and inflation have no significant impact. In the short run, investment shows a negative impact on the exchange rate, reflecting its sensitivity to market dynamics. Moreover, variance decomposition reveals that the exchange rate variable itself becomes the dominant factor in exchange rate movements, followed by investment. This study supports the Purchasing Power Parity (PPP) theory by highlighting the importance of investment in maintaining exchange rate stability. The results are expected to serve as a reference for policy makers in designing effective exchange rate management strategiesPenelitian ini menggunakan metode Vector Error Correction Model (VECM) untuk menganalisis hubungan nilai tukar dengan GDP, remitansi, investasi, dan inflasi di Indonesia pada periode 2011Q1-2023Q4. Studi ini bertujuan untuk memisahkan pengaruh jangka pendek dan jangka panjang serta menggunakan dekomposisi varians untuk mengidentifikasi kontribusi masing-masing variabel terhadap nilai tukar. Hasil analisis menunjukkan bahwa investasi memiliki pengaruh signifikan terhadap nilai tukar dalam jangka panjang, sementara GDP, remitansi, dan inflasi tidak berdampak signifikan. Dalam jangka pendek, investasi menunjukkan dampak negatif terhadap nilai tukar, mencerminkan sensitivitasnya terhadap dinamika pasar. Selain itu, dekomposisi varians mengungkapkan bahwa variabel nilai tukar itu sendiri menjadi faktor dominan dalam pergerakan nilai tukar, diikuti oleh investasi. Penelitian ini mendukung teori Purchasing Power Parity (PPP) dengan menyoroti pentingnya investasi dalam menjaga stabilitas nilai tukar. Hasilnya dapat menjadi acuan bagi pembuat kebijakan dalam merancang strategi pengelolaan nilai tukar yang efektif.
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.
Triangulasi Kesenjangan Digital: Trajektori Inklusi Keuangan Indonesia dalam Konteks ASEAN Pasca-Findex 2025 Mubarak, Husni; Ningsih, Selly Kudrati; Syahrif, Airul; Az Zakiyyah, Firsty Azizah; Az Zakiyyah, Nurul Azizah; Sukarniati, Lestari; Yunizarrahman, Yunizarrahman
Riwayat: Educational Journal of History and Humanities Vol 8, No 4 (2025): Oktober, Social Issues and Problems in Society
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jr.v8i4.50044

Abstract

Penelitian ini menyajikan analisis triangulatif terhadap lanskap inklusi keuangan digital Indonesia, dengan membandingkannya terhadap negara-negara tetangga di ASEAN. Dengan memanfaatkan basis data Global Findex 2025 dari Bank Dunia yang baru dirilisyang mencakup indikator-indikator baru terkait konektivitas dan keamanan digitalpenelitian ini memetakan posisi Indonesia dalam hal adopsi pembayaran digital dan kesenjangan gender. Temuan dari survei sisi permintaan (demand-side) ini kemudian dianalisis secara kontekstual dengan kerangka kebijakan regional ASEAN, seperti inisiatif Konektivitas Pembayaran Regional (Regional Payment Connectivity) dan toolkit kebijakan untuk UMKM digital. Sebagai pilar ketiga triangulasi, data survei global ini disandingkan dengan data pasar dan regulasi domestik sisi penawaran (supply-side) pasca-2024 dari Otoritas Jasa Keuangan (OJK) Indonesia, yang mencakup pertumbuhan layanan keuangan digital seperti Buy Now, Pay Later (BNPL) dan penguatan kerangka perlindungan konsumen. Hasil analisis menunjukkan bahwa meskipun Indonesia menunjukkan kemajuan pesat dalam adopsi pembayaran digital yang didorong oleh kebijakan, keberhasilan ini menutupi tantangan mendasar dalam hal ketahanan keuangan dan kesenjangan gender yang lebih bernuansa. Kesenjangan ini menjadi lebih jelas ketika data persepsi dari survei global dikontraskan dengan realitas transaksional pasar domestik. Artikel ini berargumen bahwa metode triangulasi ini menawarkan model yang lebih kokoh untuk analisis kebijakan, mengungkap area-area kritis untuk intervensi yang tidak akan terlihat dari analisis sumber tunggal, dan menggarisbawahi pergeseran penting dari sekadar mengukur akses keuangan menuju evaluasi kualitas dan keberlanjutan inklusi.
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.
EDUKASI BANK SAMPAH UNTUK MENINGKATKAN KESADARAN PENGELOLAAN SAMPAH BERKELANJUTAN DI KELURAHAN WATES KOTA MAGELANG Sukarniati, Lestari; Amalia Lubis, Firsty Ramadhona; Az Zakiyyah, Nurul Azizah; Jaya Putra, Budi; Deni Marwanto, Arnufan
Jurnal Pengabdian Masyarakat Berkarya Vol. 4 No. 05 (2025): Jurnal Pengabdian Masyarakat Berkarya
Publisher : Pusat Studi Ekonomi, Publikasi Ilmiah dan Pengembangan SDM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62668/berkarya.v4i05.1902

Abstract

Urban waste management issues require innovative solutions that involve active community participation. The Waste Bank program emerges as a community-based waste management initiative that adopts a banking system to provide economic value to sorted waste. This community service activity aims to increase the understanding and awareness of residents in RW 2, Wates Village, Magelang City regarding the concept, mechanism, and benefits of the Waste Bank. The implementa tion methods include socialization, education, and evaluation using pre-test and post-test instruments to measure the improvement in public knowledge. The results show that the Waste Bank program provides three main benefits: economic benefits through additional income, improved discipline in waste management, and the creation of a clean and healthy residential environment. The success of the program is reflected in the increased public awareness of the importance of waste sorting at its source and the active participation of residents in sustainable waste management. This program contributes to the principles of 4R (Reduce, Reuse, Recycle, and Recovery/Replace) to establish an environmentally friendly and sustainable waste management cycle.
The effect of economic growth on income inequality in the Special Region of Yogyakarta Az zakiyyah, Nurul Azizah; Khoirudin, Rifki; Gatari, Altis Puspa
Jurnal Ekonomi & Studi Pembangunan Vol. 26 No. 1: April 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jesp.v26i1.25361

Abstract

This study focuses on income disparity and economic growth in the Yogyakarta Special Region. The area's slow economic expansion contributes to persistent income inequality. Using variables such as population, economic growth, district/city minimum wage, inflation, open unemployment rate, and income inequality, this study investigates the relationship between economic growth and income disparity. A quantitative approach is employed using panel data regression and Seemingly Unrelated Regression (SUR) on secondary data from the Central Bureau of Statistics (BPS). The results show that district minimum wage and open unemployment rate significantly and positively affect income inequality, while inflation, economic growth, and population size have no significant effect. These findings imply that inclusive development policies, equitable job creation, and wage regulations that consider the informal sector are essential for reducing regional income disparities in Yogyakarta.
Co-Authors A'yun, Indanazulfa Qurrota Agus Salim Amalia Lubis, Firsty Ramadhona Andini, Anggun Apriliana, Dwi Arief Mulyawan Az Zakiyyah, Firsty Azizah Basia, Lusmino Choirunnisa, Rahma Cholida, Maya Nur Deni Marwanto, Arnufan Gatari , Altis Puspa Gatari, Altis Puspa Husni Mubarak Jaya Putra, Budi Khoirudin, Rifki Lestari Sukarniati, Lestari Lubis, Firsty Ramadhona Amalia Lutvi, Nadzwa Amalia Mahrus Lutfi Adi Kurniawan, Mahrus Lutfi Adi Nasir, Muhammad Safar Ningsih, Selly Kudrati Nugraha, Nurul Hidayat Qurrota A’yun, Indanazulfa Ramadhan, Dwi Anto Ihza Sari, Indra Syahrif, Airul Yanti, Eva Virda Yunizarrahman, Yunizarrahman