Garuda - Garba Rujukan Digital

The Rise of Financial Technology and Its Credit Risk in Indonesia Agustin, Grisvia
International Journal of Accounting & Finance in Asia Pasific (IJAFAP) Vol 6, No 2 (2023): JUNE EDITION INTERNATIONAL JOURNAL OF ACCOUNTING FINANCE IN ASIA PASIFIC
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijafap.v6i2.2318

The purpose of the study is to use VECM to examine credit risk, basic loan interest rate, the number of lending entities, and the total amount of outstanding loans for fintech companies. Fintech is expanding quickly in Indonesia even during the Covid 19 pandemic. Since March 2019 until the present, Indonesia has formally entered the Covid 19 epidemic, causing Indonesia's GDP growth in 2020 to be -2.07. However, the amount of outstanding fintech loans in Indonesia is still sharply rising. Numerous financial services are offered by fintech businesses, and they can connect with the unbanked. Because a fintech firm tries to offer ease, particularly for customers who have trouble accessing traditional banks, credit through a fintech company is an easy loan to approve. Profit and credit risk are increased for fintech enterprises. As a result, interest rates have a short-term influence on outstanding loans because fintech lending companies derive revenue from activities and services based on fees and interest. Fintech financing has extremely minimal credit risk, is below OJK's criteria, and has no immediate or long-term effects on outstanding loans. Long-term outstanding loans to fintech companies are greatly impacted by the number of lender entities.

Analisis kemitraan peternak ayam broiler dengan perusahaan dalam perspektif ekonomi islam (Studi pada peternak ayam broiler di Kecamatan Sutojayan Kabupaten Blitar) Risang Jaladri; Grisvia Agustin
Jurnal Ekonomi, Bisnis dan Pendidikan (JEBP) Vol. 2 No. 5 (2022)
Publisher : Universitas Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17977/um066v2i52022p513-518

Abstract Livestock farming is a part of national development aimed at providing high-nutrition animal products such as meat, milk, and eggs, increasing farmers' income, generating foreign exchange, and expanding job opportunities. Broiler chicken farming is one of the agricultural endeavors that contributes significantly to meeting the demand for animal products in Indonesia. The importance of business partnerships is manifested through the enactment of Law No. 9 of 1995 on small businesses and Regulation 596 Strengthening the Competitiveness of Agricultural Production Dynamics of Broiler Industry Partnership by Government No. 44 of 1997 on partnerships. One of the regencies in East Java known for broiler chicken production is Blitar Regency. This research employs an exploratory research method with a qualitative approach. Experimental research is conducted to discover the causes or factors that influence something when we do not know precisely and specifically about the research object. This study was conducted among broiler chicken farmers in the Sutojayan Subdistrict of Blitar Regency. The partnership established is a core-plasma partnership, where the animal feed company acts as the core and the farmers as the plasma. The core company's responsibility is to provide the production facilities (Sapronak) and medicines to the plasma farmers, while the plasma farmers give the housing and equipment for production. Plasma farmers will pay for the Sapronak and medicines after the harvest and must sell their crops to the core company. In this arrangement, plasma farmers benefit from guaranteed harvest marketing while the core company receives a continuous harvest supply. The impact of this partnership on the welfare of broiler chicken farmers in the Sutojayan Subdistrict can be identified by examining supporting and hindering factors, such as insufficient capital, limited job opportunities, price determination by the core company, market assurance, the availability of feed from the core company, the presence of extension services, and the absence of risks due to market price fluctuations. Abstrak Peternakan merupakan bagian dari pembangunan nasional yang bertujuan untuk menyediakan pangan hewani berupa daging, susu serta telur yang bernilai gizi tinggi, meningkatkan pendapatan peternak serta menamba devisa dan memperluas kesempatan kerja. Usaha peternakan ayam ras pedaging merupakan salah satu usaha peternakan yang memberikan kontribusi terbanyak dalam memenuhi kebutuhan pangan hewani di Indonesia. Pentingnya kemitraan usaha diwujudkan dengan lahirnya UU No.9 tahun 1995 tentang usaha kecil, serta Peraturan 596 Memperkuat Daya Saing Produksi Pertanian Dinamika Kemitraan Usaha Industri Broiler Berdaya Saing Pemerintah No. 44 tahun 1997 tentang kemitraan. Salah satu Kabupaten di Jawa Timur yang merupakan daerah produksi atau penghasil ayam broiler adalah Kabupaten Blitar. Penelitian ini menggunakan metode penelitian eksploratif dengan menggunakan pendekatan kualitatif. penelitian eksploratif adalah penelitian yang dilakukan untuk mencari sebab atau hal-hal yang mempengaruhi terjadinya sesuatu dan dipakai manakala kita belum mengetahui secara persis dan spesifik mengenai objek penelitian. Penelitian ini dilakukan pada peternak ayam broiler di Kecamatan Sutojayan Kabupaten Blitar. Kemitraan yang dibuat merupakan kemitraan inti plasma, dimana perusahaan pakan ternak sebagai inti dan peternak sebagai plama. Perusahaan pakan sebagai inti memiliki tugas menyediakan Sapronak (Sarana Produksi Ternak) dan obat-obatan kepada plasma, sedangkan peternak sebagai plasma menyediakan kandang dan peralatan untuk produksi. Plasma akan membayar biaya sapronak dan obat-obatan setelah panen dan plasma wajib menjual hasil panen kepada inti, dalam hal ini plasma merasa diuntungkan karena hasil panen dijamin dalam hal pemasaran sedangkan inti mendapat suplai hasil panen secara kontinyu. Dampak kemitraan dalam peningkatan kesejahteraan peternak ayam broiler di Kecamatan Sutojayan, maka dapat diidentifikasi faktor apa yang menjadi pendukung dan penghambat seperti Modal Usaha Tidak Cukup, Kurangnya lapangan kerja, Harga Pasar ditentukan Oleh Perusahaan (Inti), Tersedianya Jaminan Pasar, Tersedianya Pakan dari Perusahaan (Inti), Adanya Pelayanan Tenaga Penyuluh (Inti), Tidak adanya resiko akibat penurunan harga pasar.

A SYSTEMATIC LITERATURE REVIEW OF FEAR OF MISSING OUT (FOMO) IN ECONOMIC ACTIVITIES: IMPLICATIONS FOR CONSUMER BEHAVIOR AND INDIVIDUAL PSYCHOLOGY Nuraini, Fariha; Surya, Eka Putri; Rahmayanti, Dhita Aulia; Hesti, Mirna Shofa; Rosyida, Rosyida; Mukhlis, Imam; Agustin, Grisvia
Fokus Ekonomi : Jurnal Ilmiah Ekonomi Vol 19, No 2: December 2024
Publisher : STIE Pelita Nusantara Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34152/fe.19.2.290-305

FOMO (Fear of Missing Out) is a new concept in the study of individual behavior that can influence their decisions in terms of the economy. FOMO is also a study material that is widely mentioned in the financial media today. FOMO has an influential social component to post-decision regret, especially when individuals realize other choices are better made than uncertainty. This study aims to analyze the implications of FOMO in economic activity, especially for consumer behavior and market dynamics. This research uses the SLR (Systematic Literature Review) method in Scopus articles in 2020-2024 with the presentation of analysis through the PRISMA (Preferred Reporting Items for Systematic Reviews and Meta-Analysis) model. Based on the results of predefined inclusion criteria, there are a total of 10 published articles in the last 5 years that analyze in detail about FOMO. These findings show that FOMO (Fear of Missing Out) has a relationship and influence on economic activity in terms of consumer decisions in purchasing investment, fashion products, cosmetics and luxury goods, as well as the use of technology. In addition, based on the results of SLR literature analysis using Watase Uake shows that there are grand theories related to FOMO variables, namely self-determination theory, social determination theory, and attachment theory. FOMO is a variable of economic psychology that exists in individuals at every age. The findings of this study can be a variable of social capital in further research on wise behavior, economics, and individual psychology.

The Rise of Financial Technology and Its Credit Risk in Indonesia Agustin, Grisvia
International Journal of Accounting & Finance in Asia Pasific (IJAFAP) Vol 6, No 2 (2023): June 2023
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijafap.v6i2.2318

The purpose of the study is to use VECM to examine credit risk, basic loan interest rate, the number of lending entities, and the total amount of outstanding loans for fintech companies. Fintech is expanding quickly in Indonesia, even during the Covid 19 pandemic. In March 2019 until the present, Indonesia has formally entered the Covid 19 epidemic, causing Indonesia’s GDP growth in 2020 to be -2.07. However, Indonesia’s outstanding fintech loans are still sharply rising. Fintech businesses offer numerous financial services and can connect with the unbanked. Because a fintech firm tries to offer ease, particularly for customers who have trouble accessing traditional banks, credit through a fintech company is an easy loan to approve. Profit and credit risk are increased for fintech enterprises. As a result, interest rates have a short-term influence on outstanding loans because Fintech lending companies derive revenue from activities and services based on fees and interest. Fintech financing has extremely minimal credit risk, is below OJK’s criteria, and has no immediate or long-term effects on outstanding loans. The number of lender entities significantly impacts outstanding long-term loans to fintech companies.

The Analysis Between Purchasing Power Parity and Exchange Rates, Inflation and Gross Domestic Product in Developing and Developed Countries Asia and Europe During Covid-19 Pandemic Adistya, Pragita Aci; Radise, Sidha Belanandra; Agustin, Grisvia
International Journal of Business, Law, and Education Vol. 5 No. 1 (2024): International Journal of Business, Law, and Education
Publisher : IJBLE Scientific Publications Community Inc.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56442/ijble.v5i1.518

The study aims to analyze Purchasing Power Parity (PPP) and exchange rates, inflation and Gross Domestic Product (GDP) in developing and developed countries in Asia and Europe during the covid-19 pandemic. The data used secondary data, obtained from the websites of the Central Bank of Indonesia, World Bank, International Monetary Fund (IMF) and Organization for Economic Cooperation and Development (OECD) from 2003 to 2020. This research used method of Vector Error Correction Model (VECM). The results show that the GDP, inflation and exchange rate variables have positive and negative responses to changes in PPP values during the observation period, especially during the Covid-19 pandemic. This condition can occur because the economy in each country experiences fluctuations, especially during the Covid-19 pandemic. This has an impact on the PPP value in these 10 countries, which causes each country to take financial and monetary policies in accordance with the problems they face

FINANCIAL TECHNOLOGY AND DEMOGRAPHIC FACTORS ON WELFARE ANALYSIS Agustin, Grisvia; Abbas, Muhammad Hasyim Ibnu; Dwiputri, Inayati Nuraini; Prastiwi, Lustina Fajar
Hasanuddin Economics and Business Review VOLUME 6 NUMBER 1, 2022
Publisher : Faculty of Economics and Business, Hasanuddin University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26487/hebr.v6i1.3290

Financial technology is very useful in facilitating financial transactions worldwide. It was created to make getting funds and managing finances easier, which can improve peopleâ€™s welfare. However, it also poses a threat in the form of loans from financial technology lending companies that are not licensed and illegally operate so that customers can be bound by huge interest rates and terrorized by debt collectors. Therefore, this study aims to analyze literacy about financial technology and demographic factors that affect welfare. The analysis results show that most respondents are still ignorant or do not understand the benefits of fin-tech for improving their welfare, and the respondentsâ€™ welfare is only affected by age. Although 92% of respondents have savings, these savings do not use fin-tech. Fin-tech is still seen as something that plunges like a shark loan trap, so most respondents still avoid fin-tech for their financial management. Respondents still do not use fin-tech optimally and urgently need education and socialization related to fin-tech.

The Effect of Financial Literation on Students's Personal Financial Planning in Malang (Case Study on Pesantren Luhur Malang and Pesantren Al-Barakah Malang) Agustin, Grisvia; Pratasari, Desy Erlanda
Hasanuddin Economics and Business Review VOLUME 4 NUMBER 2, 2020
Publisher : Faculty of Economics and Business, Hasanuddin University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26487/hebr.v4i2.2382

Financial literacy is very important because it is needed for financial planning so that people can manage their finances more optimally. However, according to the FSA, Indonesia has a low level of financial literacy, so there is a need for research on differences in financial planning in Pesantren Luhur Malang which obtain financial literacy studies from Kitab Kuning and halaqah (a seminar of scientific study) with financial planning in Pesantren Al-Barakah Malang which gain financial literacy from Kitab Kuning only. This study aims to determine the effect of financial literacy on the financial planning of students of Pesantren Luhur Malang and students of Pesantren Al-Barakah Malang, as well as differences in financial literacy and financial planning between students Pesantren Luhur Malang and students of Pesantren Al-Barakah Malang. This study uses a descriptive quantitative approach, with two variables financial literacy and financial planning, using simple linear regression analysis and independent-sample t-test. Sampling using purposive sampling with a total sample of 52 students consisting of 26 students of Pesantren Luhur Malang and 26 students of Pesantren Al-Barakah Malang. Based on data analysis, are known that (1) financial literacy has an effect on financial planning in students of Pesantren Luhur Malang and studentsÂ Pesantren Al-Barakah Malang (2) there is aÂ difference between the financial literacy of students of Pesantren Luhur Malang and students of Pesantren Al-Barakah Malang. (3) there are differences in the financial planning of studentsÂ Pesantren Luhur Malang and studentsÂ Pesantren Al-Barakah Malang.

PENGARUH PENDAPATAN ASLI DAERAH, DANA ALOKASI UMUM DAN DANA ALOKASI KHUSUS TERHADAP PRODUK DOMESTIK BRUTO DI KOTA BATU Hidayatulloh, Charisma Fikri; Agustin, Grisvia
Jurnal Ilmiah Ekonomi Bisnis Vol 30, No 1 (2025)
Publisher : Universitas Gunadarma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35760/eb.2025.v30i1.11167

Penelitian ini mempunyai tujuan guna melakukan analisis pengaruh DAU (Dana Alokasi Umum), PAD (Pendapatan Asli Daerah), serta DAK (Dana Alokasi Khusus) pada PDRB (Produk Domestik Regional Bruto) di Kota Batu selama periode 2003-2023. Konsep Otonomi Daerah menjadi landasan teoritis dalam penelitian ini, dengan fokus pada kebijakan fiskal daerah sebagai instrumen utama dalam mendukung pertumbuhan ekonomi lokal. Data yang digunakan bersumber dari Badan Pusat Statistik (BPS) dan Buku Kota Batu dalam Angka, dan dianalisis dengan model Vector Error Correction Model (VECM). Hasil uji stasioneritas menunjukkan bahwa data menjadi stasioner setelah first differencing. Uji kointegrasi Johansen mengidentifikasi adanya hubungan jangka panjang yang stabil antara variabel-variabel yang diteliti. Uji kausalitas Granger mengungkapkan bahwa PAD dan DAU berpengaruh signifikan terhadap PDRB, sementara DAK tidak menunjukkan pengaruh signifikan. Estimasi dengan model VECM menunjukkan bahwa PAD, DAU dan DAK memiliki dampak signifikan terhadap PDRB dalam jangka panjang. Analisis Impulse Response Function (IRF) dan Variance Decomposition (VD) menghasilkan temuan bahwa PAD dan DAU memengaruhi fluktuasi PDRB, sementara DAK tidak memiliki pengaruh yang jelas.

Social Engineering SWOT Analysis in Government-Owned Commercial Banks and National Private Commercial Banks Syafitri, Nadillah; Agustin, Grisvia
KINERJA Vol. 27 No. 2 (2023): KINERJA
Publisher : Faculty of Business and Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/kinerja.v27i2.6685

This research examines the phenomenon of social engineering at government-owned commercial banks and national private commercial banks. The research method used is descriptive qualitative with a literature study. The research results show the bank's strengths, weaknesses, opportunities, and threats. In addition, several strategies are recommended for banks to prevent social engineering attacks, namely building information technology in banking according to the standards and regulations of the Financial Service Authority (Otoritas Jasa Keuangan), utilizing social media as an educational tool, training employees, monitoring and optimizing data security and banking information technology networks, suppressing the circulation of social issues on behalf of banks that can trigger social engineering, increasing financial literacy and awareness of data security personal customers and employees. To prevent social engineering attacks, banks can implement strategies that are considered adequate.

FINANCIAL TECHNOLOGY AND DEMOGRAPHIC FACTORS ON WELFARE ANALYSIS Agustin, Grisvia; Abbas, Muhammad Hasyim Ibnu; Dwiputri, Inayati Nuraini; Prastiwi, Lustina Fajar
Hasanuddin Economics and Business Review VOLUME 6 NUMBER 1, 2022
Publisher : Faculty of Economics and Business, Hasanuddin University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26487/hebr.v6i1.3290

Financial technology is very useful in facilitating financial transactions worldwide. It was created to make getting funds and managing finances easier, which can improve peopleâ€™s welfare. However, it also poses a threat in the form of loans from financial technology lending companies that are not licensed and illegally operate so that customers can be bound by huge interest rates and terrorized by debt collectors. Therefore, this study aims to analyze literacy about financial technology and demographic factors that affect welfare. The analysis results show that most respondents are still ignorant or do not understand the benefits of fin-tech for improving their welfare, and the respondentsâ€™ welfare is only affected by age. Although 92% of respondents have savings, these savings do not use fin-tech. Fin-tech is still seen as something that plunges like a shark loan trap, so most respondents still avoid fin-tech for their financial management. Respondents still do not use fin-tech optimally and urgently need education and socialization related to fin-tech.

Title

Found 35 Documents
Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title Search

Found 35 Documents Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title

Found 35 Documents
Search