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All Journal Cakrawala Pendidikan Jurnal Ekonomi Kuantitatif Terapan Trikonomika: Jurnal Ekonomi Journal of Economics, Business, & Accountancy Ventura Jurnal Ekonomi dan Studi Pembangunan (Journal of Economics and Development Studies) Jurnal Pendidikan: Teori, Penelitian, dan Pengembangan AL ISHLAH Jurnal Pendidikan Jurnal Pendidikan Ekonomi & Bisnis Jurnal Pengabdian Pada Masyarakat Jurnal Pendidikan Edutama Ekspose: Jurnal Penelitian Hukum dan Pendidikan Jurnal Kependidikan: Jurnal Hasil Penelitian dan Kajian Kepustakaan di Bidang Pendidikan, Pengajaran dan Pembelajaran COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat East Asian Journal of Multidisciplinary Research (EAJMR) Journal of Language, Literature, and Arts (JoLLA) International Journal of Economics and Management Research Journal Research of Social Science, Economics, and Management Jurnal Ekonomi, Bisnis dan Pendidikan (JEBP) Indonesian Economic Review Economic Development Analysis Journal

Dwi Wulandari

Universitas Negeri Malang

Author-ID : 2413669

Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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Faktor yang mempengaruhi keputusan pengambilan kredit konsumtif pada aparatur sipil negara Kecamatan Lumajang Rangga Adi Caksana; Dwi Wulandari
Jurnal Ekonomi, Bisnis dan Pendidikan (JEBP) Vol. 1 No. 9 (2021)
Publisher : Universitas Negeri Malang

Abstract This study aims to explain the influence of financial literacy, the nature of materialism, gender, level of education on consumer credit decision making in the State Civil Apparatus of Lumajang District. The total sampling based on the 10 percent slovin formula was 46 people, the sampling in this study used simple random sampling. Based on the results of the t test, it shows that financial literacy and the nature of materialism have a positive and significant effect, while gender and education level have a negative and significant effect. Abstrak Penelitian ini menyelidiki pengaruh dari literasi keuangan, sifat materialisme, jenis kelamin, dan tingkatan pendidikan, pada pengambilan keputusan kredit para konsumen yang merupakan pegawai negeri sipil di Kabupaten Lumajang. Sejumlah 46 orang sampel diambil menggunakan rumus 10 persen Slovin dan simple random sampling. Hasil dari uji t menunjukkan bahwa literasi keuangan dan sifat materialism memiliki efek yang positif dan signifikan, sedangkan jenis kelamin dan tingkat pendidikan menunjukan efek negative dan signifikan.

Pengaruh Model Project Base Learning terhadap Kemampuan Berpikir Kreatif pada Materi Bermain Alat Musik Sederhana di SMP Negeri 3 Singosari Dwi Wulandari; Wida Rahayuningtyas; Ika Wahyu Widyawati
JoLLA: Journal of Language, Literature, and Arts Vol. 1 No. 3 (2021)
Publisher : Universitas Negeri Malang

Abstract: Creative thinking is the ability used to solve a problem with ideas that are owned by an individual. Learning the Art of Music is learning that requires creativity and creative thinking in the learning process, especially in the practice of playing musical instruments. To develop creative thinking skills in playing musical instruments, it is necessary to apply a Project Base Learning Model that can encourage students to express their ideas and creativity in solving problems. This study aims to determine the effect of Project Base Learning Model on students' creative thinking skills in playing simple musical instruments at SMP Negeri 3 Singosari. This research is a Quasi Experiment. The population in this study were all grade VII students of SMP Negeri 3 Singosari with a sample of class VII H and VII I SMPN 3 Singosari who were taken randomly. The hypothesis test results obtained a statistical value t count of -3,775 or 3,775. This value is more than the t table, so the null hypothesis is rejected. The average difference between the experimental and control groups was 0.184 with an average gain score of the experimental group being higher than the control group. These results indicate that the class average score using the project base learning model is higher than the class that does not use the project base learning model. Keywords: Model Project Base Learning, creative thinking ability Abstrak: Berpikir kreatif adalah kemampuan yang digunakan untuk menyelesaikan suatu masalah dengan ide-ide yang dimiliki oleh seorang individu. Pembelajaran Seni Musik merupakan pembelajaran yang membutuhkan kreativitas dan berpikir kreatif dalam proses pembelajarannya terutama pada praktik bermain alat musik. Untuk mengembangkan kemampuan berpikir kreatif dalam bermain alat musik, perlu diterapkan Model Project Base Learning yang dapat mendorong siswa untuk mengekspresikan ide-ide dan kreativitas mereka dalam menyelesaikan masalah. Penelitian ini bertujuan untuk mengetahui pengaruh Project Base Learning terhadap kemampuan berpikir kreatif siswa dalam bermain alat musik sederhana SMP Negeri 3 Singosari. Penelitian ini adalah Quasi Eksperiment. Populasi dalam penelitian ini adalah seluruh siswa kelas VII SMP Negeri 3 Singosari dengan sampel kelas VII H dan VII I SMPN 3 Singosari yang diambil secara acak. Hasil uji hipotesis didapatkan nilai statistik t hitung sebesar -3,775 atau 3,775. Nilai tersebut lebih dari t table, sehingga hipotesis nol ditolak. Perbedaan rata-rata antara kelompok eksperimen dan kontrol sebesar 0,184 dengan rata-rata gain score kelompok eksperimen lebih tinggi dibandingkan dengan kelompok kontrol. Hasil tersebut menyatakan bahwa nilai rata-rata kelas yang menggunakan model project base learning lebih tinggi daripada kelas yang tidak menggunakan model project base leraning. Kata kunci: Model Project Base Learning, kemampuan berpikir kreatif

Macroprudential Policy on Banking Sector in Indonesia Feny Putri Emyliani; Dwi Wulandari; Siti Rosnita Sakarji; Bagus Shandy Narmaditya
TRIKONOMIKA Vol 17 No 1 (2018): June Edition
Publisher : Faculty of Economics and Business, University of Pasundan

This study investigates the implementation of macroprudential policy on banking sector and society. The research applied a descriptive analysis by using an in-depth interview with Bank Indonesia, representative of commercial bank, and society. The result showed that macroprudential policy has no impact on individual, but it had an impact on industrial banking specifically on bank credit lending which caused by LTV regulation. The society responses to the LTV policy is that the majority do not object to the imposition of a maximum limit for housing credit enacted by bank because of the relatively long credit period. Furthermore, another instrument of macroprudential such as GWM-LFR does not have an impact on banking sector and society but capital buffer instrument assuming a sluggish economy condition is assessed to have an impact on lending by banks.

DETERMINANTS OF BANK PROFITABILITY: A NEW EVIDENCE FROM STATE-OWNED BANKS IN INDONESIA Ovy Prasanto; Dwi Wulandari; Bagus Shandy Narmaditya; Mahirah Kamaludin
TRIKONOMIKA Vol 19 No 1 (2020): June Edition
Publisher : Faculty of Economics and Business, University of Pasundan

This paper investigates the factors that determine bank profitability in Indonesia particularly on state-owned banks during the 2007 to 2017. The research applied Vector Error Correction Model (VECM) to measure short-term and long-term effects of independent variable on dependent variable. The research data ini this paper is drawn from two main sources namely Bank Indonesia (BI) and Financial Services Authority (OJK) from 2007 to 2017. The findings showed that in the long term, BOPO, LDR, NPLs, economic growth, and exchange rates have positive relationship toward bank profitability while in the short term, inflation and BI rates do not have effect on bank profitability. However, in the short run, all variables mentioned do not have impact toward banking profitability. In addition, based on Impulse Response Function test, it showed that there are only two independent variables are able to provide a response in case of shock, namely inflation and the exchange rate toward bank’s profitability.

Empirical Analysis of the Impact of Smart Economy Through Entrepreneurial Credit Program ( KURNIA ) on Empowering SMEs in Kediri City Muhammad M. Haki Al-Arif; Dwi Wulandari; Inayati Dwi Putri
East Asian Journal of Multidisciplinary Research Vol. 2 No. 9 (2023): September 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/eajmr.v2i9.6075

In today's globalized world, Information Technology (IT) is advancing rapidly, with a strong public interest in information systems. Information Technology (IT) helps governments and organizations process data effectively. The goal of the Smart Economy is to create an ecosystem supporting local economies and adapting to disruptions. To achieve this, financial literacy programs are essential, focusing on three elements: ecosystem, community welfare improvement, and financial transactions. The strategy emphasizes a creative and cooperative industrial environment, benefiting all parties, which ultimately enhances people's well-being. The "KURNIA" initiative offers low-interest business capital loans, benefiting micro-businesses and cooperatives, especially during the COVID-19 pandemic. This quantitative study explores the causal relationship between the KURNIA program and the empowerment of MSMEs in Kediri City, confirming a significant positive impact.

Nexus Between Monetary Instruments and Bank Credit Distribution: Evidence from ASEAN Countries Rani Septiani; Dwi Wulandari; Bagus Shandy Narmaditya; Putra Hilmi Prayitno
Indonesian Economic Review Vol. 2 No. 1 (2022): Februari
Publisher : Cahaya Abadi Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53787/iconev.v2i1.1

The aim of this study was to examine the relationship between monetary indicators and bank credit distribution, including inflation, interest rate, and exchange rate in seven ASEAN countries namely Brunei, Indonesia, Philippine, Malaysia, Singapore, Thailand, and Vietnam. This study applied a quantitative approach by engaging multiple regression analysis with panel data using cross-section data from 2012 to 2018. The data in this research was secondary data which gathered from the World Bank website. The findings of this study showed that inflation and interest rate had a negative influence on bank credit distribution, while the exchange rate had a positive effect on bank credit distribution. The study’s result also showed that variable inflation, interest rate, and the exchange rate had a simultaneous effect on bank credit distribution in seven ASEAN countries. These results suggest that for the policy makers in each ASEAN country should be able to consider a lending regulation.

The Development of Creative Economy : Case Study of Jodipan Colorful Village In Malang Maesa Rani; Dwi Wulandari
Economics Development Analysis Journal Vol 7 No 3 (2018): Economics Development Analysis Journal
Publisher : Economics Development Department, Universitas Negeri Semarang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/edaj.v7i3.22541

The purpose of this study aim at understanding the development of creative economy in order to increase economic welfare of local community. The establishment of Jodipan Colorful Village which based on creative economy is a way to control the amount of slum area and was able to increase the economic welfare of society as expected. The qualitative descriptive approach aimed at get deep pictures about the researched situation and progress. Based on the results, we can conclude the creative economy development in a form of tourism village has been improving the economic welfare of local community in Jodipan Colorful Village. The economic welfare improvement is shown by the increase of job opportunities after Jodipan Colorful Village is established as tourism village in Malang, Indonesia. Another impact of established Jodipan Colorful Village enables the local citizens become more productive, have their own income, and the environment is well maintained.

Co-Authors Abbas, Muhammad Hasyim Ibnu Agus Sumanto Bagus Shandy Narmaditya Eddy Sutadji Eirene Yonastasia Riyadi Feny Putri Emyliani Grisvia Agustin Hadi Sumarsono Hari Wahyono Hendry Cahyono Ika Permatasari ika wahyu widyawati Inayati Dwi Putri Inayati Nuraini Dwiputri Kevin Danurdoro Lutfi Asnan Maesa Rani Mahirah Kamaludin Masnurul Hidayat Muhammad M. Haki Al-Arif Nora Ria Retnasih Ovy Prasanto Pragita Aci Adistya Puji Handayati Putra Hilmi Prayitno Rangga Adi Caksana Rani Septiani Remond Joey Paywala Reza Ahmad Aulia Rima Handayani Shadi Emad Areef Alhaleh Siti Maimunah Purnamasari Siti Rosnita Binti Sakarji Siti Rosnita Sakarji Sugeng Hadi Utomo Suryati Ishak Thomas Soseco Vidya Purnamasari Wida Rahayuningtyas Yuniar Adhinaya Yulianti

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