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All Journal Ekonomi Bisnis Jurnal Keuangan dan Perbankan Kinerja Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan Jurnal Pendidikan Ekonomi Jurnal Ekonomi dan Studi Pembangunan (Journal of Economics and Development Studies) Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Pendidikan Ekonomi Hasanuddin Economics and Business Review Fokus Ekonomi Journal of Innovation in Business and Economics International Journal of Business, Law, and Education Social Science Studies International Journal of Accounting & Finance in Asia Pasific International Journal of Economics and Management Research Journal Research of Social Science, Economics, and Management Jurnal Ekonomi, Bisnis dan Pendidikan (JEBP) Social, Ecology, Economy for Sustainable development goals Journal International Journal of Economics, Business and Innovation Research International Journal of Economics and Management Research Balance: Jurnal Ekonomi
Grisvia Agustin
Universitas Negeri Malang
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Neuroscience Social Sciences Other

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Effect Cashless Payment on Inflation with Velocity of Money as Intervening Variable Anggraini, Alifianur; Agustin, Grisvia
Jurnal Ekonomi Balance Vol. 18 No. 2 (2022): Desember 2022
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v18i2.9606

Abstract

This study aims to examine the effect of debit cards, credit cards, e-money on inflation and the velocity of money as an intervention. Data in this study were obtained from trusted sources and the official websites of BI and BPS for the 2016-2020 period. The research data is secondary data in the form of time series data. This research uses the method of path analysis or path analysis and the data will be processed using SPSS. Test methods include classical assumption test, hypothesis test and test of the coefficient of determination R^2. The significance level of this study is 5%. The results of this study state that in the first equation directly e-money has no significant effect on the velocity of money but credit cards and debit cards have a significant effect on the velocity of money, in the second equation directly debit cards and e-money have no effect on inflation, while credit cards and the velocity of money have a significant influence on inflation, indirectly the velocity of money is able to be an intervening between credit cards, debit cards, and e-money on inflation
The Rise of Financial Technology and Its Credit Risk in Indonesia Grisvia Agustin
International Journal of Accounting and 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

Abstract

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

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

Abstract

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 students  Pesantren Al-Barakah Malang (2) there is a  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 students  Pesantren Luhur Malang and students  Pesantren Al-Barakah Malang.
FINANCIAL TECHNOLOGY AND DEMOGRAPHIC FACTORS ON WELFARE ANALYSIS Grisvia Agustin; Muhammad Hasyim Ibnu Abbas; Inayati Nuraini Dwiputri; Lustina Fajar Prastiwi
Hasanuddin Economics and Business Review VOLUME 6 NUMBER 1, 2022
Publisher : Faculty of Economics and Business, Hasanuddin University, Makassar, Indonesia

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

Abstract

Financial technology is very useful in facilitating financial transactions worldwide. It was created to make getting funds and managing finances easier, which can improve people’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 respondents’ 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.
Co-Authors Abbas, Muhammad Hasyim Ibnu Adistya, Pragita Aci Akbarti Na'ima Anggraini, Alifianur Ashif Chumaida Sari Camila, Elmira Mufliha Desy Erlanda Pratasari Dwi Wulandari Dwi Wulandari Eirene Yonastasia Riyadi Endang Miftaqul Khairiyah Fajrin Nur Hidayah Farida Rahmawati Hadi Sumarsono Hesti, Mirna Shofa Hidayatulloh, Charisma Fikri Imam Mukhlis Inayati Nuraini Dwiputri indrati siswa Lustina Fajar Prastiwi Na'ima, Akbarti Nasikh Nasikh Nasikh Nasikh Nasikh Nasikh Nora Ria Retnasih Nuraini, Fariha Pratasari, Desy Erlanda Radise, Sidha Belanandra Rahmayanti, Dhita Aulia Reinanda Putri Salsabillah Reza Lainatul Rizky Risang Jaladri Riyadi, Eirene Yonastasia Ro'ufah Inayati Rofiah, Siti Khusnul Rosyida, Rosyida Siti Khusnul Rofiah Surya, Eka Putri Syafitri, Nadillah Wijayanti * Wijayanti Wijayanti