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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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RURAL TOURISM AS AN ECONOMIC POTENTIAL FOR PEOPLE IN MALANG RAYA: RURAL TOURISM AS AN ECONOMIC POTENTIAL FOR PEOPLE IN MALANG RAYA Rofiah, Siti Khusnul; Nasikh Nasikh; Grisvia Agustin
International Journal of Economics and Management Research Vol. 1 No. 3 (2022): December: International Journal of Economics and Management Research
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v1i3.50

Abstract

The development of tourist villages is one way to encourage regional economic growth. This research examines the potential of the tourist village of the colorful village of Jodipan, Coban Putri and the tourist village of Pujon which represent tourist attractions in Batu City, Malang City and Malang Regency. The presence of rural tourist destinations brings fresh air to the community. The indicator of the success of the development of this tourism god certainly depends on the mindset of the surrounding community in developing tourism potential with the local wisdom of the village. Of course, the existence of rural tourism in Malang Raya will support regional income and will certainly have a positive impact on increasing national income, reducing poverty and opening new jobs.
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

Abstract

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.
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.
Co-Authors Abbas, Muhammad Hasyim Ibnu Adistya, Pragita Aci Akbarti Na'ima Anggraini, Alifianur Ashif Chumaida Sari Camila, Elmira Mufliha 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