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ANALISIS KEMAMPUAN DAN KEMANDIRIAN KEUANGAN DAERAH SERTA PENGARUHNYA TERHADAP PERTUMBUHAN EKONOMI DI KABUPATEN JENEPONTO Choiroel Woestho; Ari Sulistyowati; Rycha Kuwara Sari
Jurnal Ekonomi Pembangunan STIE Muhammadiyah Palopo Vol 6, No 2 (2020)
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah (LPPI) Universitas Muhammadiyah Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35906/jep01.v6i2.625

ABSTRAKPembangunan yang dilakukan oleh pemerintah daerah memerlukan proses perencanaan dan penganggaran yang berbasis money follow function. Hal tersebut merupakan cerminan efektifitas dalam pengelolaan keuangan daerah sehingga dapat menunjang keberhasilan otonomi daerah. Penelitian ini bertujuan buat mengetahui rasio kemandirian keuangan wilayah serta rasio kemampuan keuangan daerah dan bagaimana pengaruhnya terhadap pertumbuhan ekonomi di Kabupaten Jeneponto selama rentang tahun 2000 – 2019. Analisis data menggunakan dua jenis. Pertama, melihat rasio kemandirian keuangan daerah, rasio kemampuan keuangan daerah, kedua melihat pengaruh rasio kemandirian keuangan daerah dan rasio kemampuan keuangan daerah terhadap pertumbuhan ekonomi dengan menggunakan regresi linier berganda. Hasil yang diperoleh adalah, rasio kemandirian keuangan daerah masih rendah sekali dengan rentang 0% - 25% dengan pola hubungan instruktif. Sementara hasil rasio kemampuan keuangan daerah masih sangat kecil dengan rentang 0% - 10%. Untuk hasil regresi linier berganda, baik uji-t dan uji F, rasio kemandirian keuangan daerah dan rasio kemampuan keuangan daerah mempunyai pengaruh terhadap pertumbuhan ekonomi. Kata Kunci : Kemampuan Keuangan Daerah; Kemandirian Keuangan Daerah; Pertumbuhan Ekonomi ABSTRACTDevelopment carried out by local governments requires a money-based planning and budgeting process to follow functions. This is a reflection of the effectiveness of regional financial management so that it can support the success of regional autonomy. This study aims to determine the ratio of regional financial independence and the ratio of regional financial capacity and how it affects economic growth in Jeneponto Regency during the period 2000 - 2019. Data analysis used two types. First, look at the ratio of regional financial independence, the ratio of regional financial capacity, secondly, look at the effect of the ratio of regional financial independence and the ratio of regional financial capacity to economic growth using multiple linear regression. The results obtained are, the ratio of regional financial independence is still very low with a range of 0% - 25% with a pattern of instructive relationships. Meanwhile the results of the ratio of regional financial capacity are still very small with a range of 0% - 10%. For the results of multiple linear regression, both the t-test and the F test, the ratio of regional financial independence and the ratio of regional financial capacity has an influence on economic growth. Keywords: Regional Financial Capability; Regional Financial Independence; Economic growth

Analisis Pengaruh Literasi Keuangan, Inklusi Keuangan, Dan Tingkat Pendidikan Terhadap Perilaku Keuangan Pelaku Umkm Kedai/Warung Makanan Di Desa Bahagia Kabupaten Bekasi Puput Andriyani; Ari Sulistyowati
Aliansi : Jurnal Manajemen dan Bisnis Vol 16, No 2 (2021): ALIANSI : Jurnal Manajemen Dan Bisnis
Publisher : Sekolah Tinggi Manajemen IMMI Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46975/aliansi.v16i2.100

This study aims to determine the effect of financial literacy on financial behavior, the effect of financial inclusion on financial behavior, and the effect of education level on financial behavior. The method in data processing used in this research is to use PLS (Partial Least Square) with the object of research being SMEs in the food stalls/shops in the Bahagia Village, Bekasi Regency. The sampling technique used was purposive probability with the form of non-probability sampling. The data collection technique used a questionnaire as many as 106 SMEs in the food stalls/shops in the Bahagia Village, Bekasi Regency. The results of this study indicate that there is a significant influence of financial literacy on the financial behavior of SMEs in food stalls/food stalls in Bahagia Village with t statistics 2.618 greater than t table 1.659, and a significant value of financial inclusion on financial behavior with t statistics 2.462 greater than t table 1.659, as well as the significant value of education level on the financial behavior of SMEs in food stalls/shops in Bahagia Village with a t statistics of 2.689 which is greater than a t table of 1.659.

Literasi Keuangan Dan Perilaku Keuangan Berpengaruh Terhadap Perilaku Konsumtif Pada Player Call Of Duty: Mobile Intan Syafira Nur Fauzi; Ari Sulistyowati
Jurnal Kajian Ilmiah Vol. 22 No. 2 (2022): Mei 2022
Publisher : Lembaga Penelitian, Pengabdian Kepada Masyarakat dan Publikasi (LPPMP)

This study aims to determine and measure the influence of financial literacy and behavior on consumptive behavior in Call of Duty: Mobile players. The rapid development of the virtual world has become a scourge for its users in seeking entertainment through online games, this has become an opium effect for users of all ages and occupations, making them consumptive actors. This research is a quantitative research, where the object is used as a Call of Duty: Mobile player. The data processing method is carried out using PLS (Partial Least Square). The sampling method used in this study is a non-probability sampling method with the technique used is purposive sampling. The number of samples used in this study amounted to 120 respondents. The design hypothesis was tested through the structural equation model (SEM) in the SmartPLS 3.0 application. The results of the study indicate that financial literacy affects the consumptive behavior of Call of Duty: Mobile players positively and significantly, financial behavior also affects the consumptive behavior of Call of Duty: Mobile players positively and significantly. The results of this study contradict the theory as well as several previous studies where financial literacy and financial behavior should have an influence on consumptive behavior. The results of this study can be a suggestion for further researchers in developing related research to find several other factors that influence consumptive behavior for gamers.

Pengaruh NPF, BOPO, Inflasi dan Nilai Tukar Terhadap Kinerja (ROA) pada Bank Umum Syariah Masa Pandemi Covid 19 Milda Handayani; Muhammad Richo Rianto; Ari Sulistyowati; Supriyanto Supriyanto
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.5787

This study is a measurement of microeconomic variables using non performing financing (NPF) and operating costs (BOPO) and macroeconomic variables using inflation and exchange rates on performance using the profitability ratio (ROA) at Islamic commercial banks during the covid-19 period. This study is a quantitative design study with the object of research being Islamic commercial banks in Indonesia during the COVID-19 pandemic. Sampling in this study used purposive sampling with a total of 3 Islamic Commercial Banks. IBM Statistical SPSS version 23 program is the analytical method used in this study. The results of this study conclude that microeconomic variables that use NPF and BOPO affect the performance of Islamic Commercial Banks during the covid 19 pandemic. Meanwhile, macroeconomic variables with inflation and exchange rates have different results, where inflation has an effect on performance, but the exchange rate has no effect on the performance of Islamic Commercial Banks during the covid 19 pandemic. This study focuses on measurement using the financial ratio method. This research also makes a new contribution to the phenomenon of Islamic commercial banks during the covid 19 pandemic. This research can also be input and an overview of strategies that can be taken by related parties so that they can improve positive performance, especially in dealing with extraordinary conditions such as the COVID-19 pandemic.

Prioritas Pembangunan Daerah dan Pertumbuhan Ekonomi pada Provinsi Daerah Istimewa Yogyakarta Choiroel Woestho; Ari Sulistyowati
Jurnal Ekonomi Vol 30 No 01 (2021): [Jurnal STEI Ekonomi - JEMI] Vol. 30 No. 01 (Juni - 2021)
Publisher : Bagian Pengelolaan Jurnal dan Penerbitan - Sekolah Tinggi Ilmu Ekonomi Indonesia (BPJP - STIE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36406/jemi.v30i01.357

This study aims to identify economic sectors which are regional development priorities based on regional influence, regional specialization and sector competitiveness in the Special Region of Yogyakarta Province. The research uses shift-share analysis and multiple regression analysis for components in shift-share analysis, namely Regional Share, Proportionality Shift, Differential Shift on economic growth. The data used is secondary data, namely Gross Regional Domestic Product by business field between 2011 and 2020. From the results of the analysis, it is known that the regional share component has a contribution of 77.43%, proportionality shift of 18.86% and differential shift of 3, 70%. Meanwhile, from the regression analysis, it is known that the regional share and differential shift components have an effect on economic growth, while the proportionality shift component has no effect on economic growth. Sectors that become specialization in the Special Region of Yogyakarta Province include the manufacturing industry sector, the information and communication sector, the construction sector and the education services sector.

Pengaruh Financial Literacy, Return dan Resiko terhadap Keputusan Investasi Generasi Milenial Islam di Kota Bekasi Ari Sulistyowati; Muhammad Richo Rianto; Milda Handayani; Eri Bukhari
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.5956

This study was used to measure the effect of financial literacy, return, and risk on the investment decisions of Islamic millennial generation of Bekasi City. This research is quantitative research where the object used is the Islamic millennial generation in Bekasi City. The number of samples used in this study was 130 respondents. Data collection techniques using questionnaires and data processing and hypothesis testing using SmartPLS 3.0. The results of this study explain that the financial literacy variable has a positive effect on the investment decisions, the return variable has a positive effect on the investment decisions and the risk variable has a positive effect on the investment decisions.

The Effect of Profit Sharing System, Religiosity and Ease of Using Digital Banking on Interest in Using Islamic Banks in Bekasi Ari Sulistyowati; Choiroel Woestho; Adi Wibowo Noor Fikri
East Asian Journal of Multidisciplinary Research Vol. 1 No. 11 (2022): December 2022
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/eajmr.v1i11.2175

This study is to determine the Effect of Profit Sharing System, Religiosity and Ease of Using Digital Banking on Interest in Using Islamic Banks in Bekasi. This study uses a descriptive quantitative research method in which users of Islamic Banks in Bekasi become the object. This study used a purposive sampling technique and used a sample of 70 respondents. The design used in this study is hypothesis testing using a structural equitation model (SEM) – SmartPLS 4.0. The results of this study indicate that 2 X variables consisting of Religiosity and ease of using digital banking have an influence on interest in using Islamic banks in Bekasi. Meanwhile, the System Profit Sharing variable has no influence on the interest in using Islamic banks in Bekasi. This study has a limited object of research that only uses 70 respondents who use Islamic banks in Bekasi as research respondents. This is used as a suggestion for future researchers. The novelty in this study combines the variables of System Profit Sharing, Religiosity and Ease of Using Digital Banking on Interest in Using Islamic Banks in Bekasi.

Analisis Kontribusi Dan Efektifitas Sumber Pendapatan Asli Daerah Terhadap Pendapatan Asli Daerah Provinsi D.I. Yogyakarta Choiroel Woestho; Adi Wibowo Noor Fikri; Ari Sulistyowati
Ekonomikawan: Jurnal Ilmu Ekonomi dan Studi Pembangunan Vol 23, No 1 (2023)
Publisher : UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/ekonomikawan.v23i1.10378

The study to analyze the contribution and effectiveness of local taxes and local levies on local revenue. The importance of this analysis is to find out to what extent the contribution of regional taxes and regional levies to local revenue. A high contribution indicates that local revenue comes from activities carried out by the local government. Meanwhile, effectiveness assesses how realization is achieved when compared to revenue targets from local taxes and regional levies. The object in this study is the Province of the Special Region of Yogyakarta, with the data collected from the Regional Revenue and Expenditure Budget (APBD) from the revenue side from 2011 to 2020. The analysis is carried out using descriptive statistics by looking at the results of the comparison of the contribution and effectiveness of local taxes. and local fees. The results obtained indicate that the tax contribution is very good, this is indicated by an average of 81.80%. Meanwhile, the contribution of regional levies has an average value of 2.49% with very poor criteria. For the effectiveness of local taxes, the average is 111.36%, so the criteria are very effective. Meanwhile, the effectiveness of regional retribution is on average 105.76% and is in the very effective criteria.

Pengaruh NPF, BOPO, Inflasi dan Nilai Tukar Terhadap Kinerja (ROA) pada Bank Umum Syariah Masa Pandemi Covid 19 Milda Handayani; Muhammad Richo Rianto; Ari Sulistyowati; Supriyanto Supriyanto
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI : Vol. 8, No. 2, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.5787

This study is a measurement of microeconomic variables using non performing financing (NPF) and operating costs (BOPO) and macroeconomic variables using inflation and exchange rates on performance using the profitability ratio (ROA) at Islamic commercial banks during the covid-19 period. This study is a quantitative design study with the object of research being Islamic commercial banks in Indonesia during the COVID-19 pandemic. Sampling in this study used purposive sampling with a total of 3 Islamic Commercial Banks. IBM Statistical SPSS version 23 program is the analytical method used in this study. The results of this study conclude that microeconomic variables that use NPF and BOPO affect the performance of Islamic Commercial Banks during the covid 19 pandemic. Meanwhile, macroeconomic variables with inflation and exchange rates have different results, where inflation has an effect on performance, but the exchange rate has no effect on the performance of Islamic Commercial Banks during the covid 19 pandemic. This study focuses on measurement using the financial ratio method. This research also makes a new contribution to the phenomenon of Islamic commercial banks during the covid 19 pandemic. This research can also be input and an overview of strategies that can be taken by related parties so that they can improve positive performance, especially in dealing with extraordinary conditions such as the COVID-19 pandemic.

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