Article Per Year (5 Year)
p-Index From 2021 - 2026
4.091
P-Index
This Author published in this journals
All Journal Jurnal Ekonomi dan Pendidikan Optimum : Jurnal Ekonomi dan Pembangunan Jurnal Ekonomi Modernisasi Journal of Business & Banking Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan Jurnal Ekonomi dan Bisnis Dinamika Ekonomi - Jurnal Ekonomi dan Bisnis Kritis JURISMA: Jurnal Riset Bisnis & Manajemen Gorontalo Development Review Ecces: Economics, Social, and Development Studies Jurnal Ekonomi Dan Bisnis ANALISIS - SCIENTIFIC JOURNAL OF ECONOMICS, MANAGEMENT, BUSINESS, AND ACCOUNTING Jurnal Pengabdian Masyarakat Indonesia Jurnal Arastirma Transformatif: Ekonomi, Bisnis dan Kewirausahaan Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) MDP Student Conference DIMASEKA Jurnal Ilmiah Bisnis dan Ekonomi Asia (Jibeka)
Birgitta Dian Saraswati
Universitas Kristen Satya Wacana
Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

Published : 28 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 28 Documents
Search

 1   2   3 
Kausalitas Utang Luar Negeri dan Pertumbuhan Ekonomi di Indonesia: Aplikasi Richardian Equivalence Hypothesis Birgitta Dian Saraswati; Gabriella Gabriella
Dinamika Ekonomi: Jurnal Ekonomi dan Bisnis Vol 15 No 2 (2022): DINAMIKA EKONOMI Jurnal Ekonomi dan Bisnis Vol.15 No.2 September 2022
Publisher : Sekolah Tinggi Ilmu Ekonomi Nasional (STIENAS) Banjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53651/jdeb.v15i2.398

Abstract

This study aims to identify the causal relationship between foreign debt and economic growth and to identify the direction and influence between foreign debt and economic growth in Indonesia, both in the short term and in the long term. By using the Granger causality test method and the estimation of the error correction model with a time period of 1990-2019, this study shows that there is a one-way causality relationship between foreign debt and economic growth in Indonesia. Foreign debt affects economic growth both in the short term and in the long term. This proves that the Richardian Equivalence Hypothesis which states that foreign debt has no effect on economic growth has not been proven to occur in Indonesia.
DETERMINAN PENYERAPAN TENAGA KERJA 34 PROVINSI DI INDONESIA: PENDEKATAN FIXED EFFECT MODEL Birgitta Dian Saraswati; Yunika Damai Krisnawati; Dhian Adhitya
Jurnal Ilmiah MEA (Manajemen, Ekonomi, & Akuntansi) Vol 6 No 3 (2022): Edisi September - Desember 2022
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (375.644 KB) | DOI: 10.31955/mea.v6i3.2218

Abstract

Kondisi peningkatan keterserapan tenaga kerja di Indonesia tiap tahunnya mengalami kondisi yang meningkat namun masih terdapat celah yang lebar antara angkatan kerja dan penduduk yang bekerja. Berdasarkan fenomena tersebut, tujuan dari penelitian ini yaitu untuk mengetahui dampak pengaruh upah minimum provinsi, rata-rata lama pendidikan, PDRB dan pengeluaran pemerintah pada sektor pendidikan terhadap penyerapan tenaga kerja di 34 provinsi di Indonesia. Peneitian ini menggunakan metode analisis regresi data panel fixed effect model(FEM). Hasil pengujian menyatakan bahwa rata-rata lama pendidikan dan PDRB secara parsial berpengaruh positif dan signifikan terhadap keterserapan tenaga kerja. Namun, untuk upah minimum provinsi dan pengeluaran pemerintah sektor pendidikan secara parsial tidak berpengaruh terhadap keterserapan tenaga kerja. Pemerintah harus berupaya untuk menaikan tingkat jumlah keterserapan tenaga kerja setiap tahun melalui kebijakan-kebijakan yang mendukung peningkatan rata-rata lama pendidikan dan peningkatan PDRB setiap tahunnya guna mendukung peningkatan keterserapan tenaga kerja di Indonesia.
Digital Marketing Utilization Determinants: Study on MSEs in Salatiga City Fevriera, Sotya; Saraswati, Birgitta Dian; Adhitya, Dhian; Siwi, Virgiana Nugransih; Wahyudi*, Yustinus
JURISMA : Jurnal Riset Bisnis & Manajemen Vol. 13 No. 2: Oktober 2023
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jurisma.v13i2.10988

Abstract

This research aims to identify the factors influencing the use of digital marketing by Micro, Small, and Medium Enterprises (MSMEs) and to examine the factors affecting the preference for digital marketing usage by MSMEs in the city of Salatiga. The research sample consists of 135 business units representing MSMEs in Salatiga. Data analysis techniques involve descriptive statistical analysis, qualitative analysis, binomial and multinomial logistic regression. The research findings provide evidence of the implementation of the UTAUT theory, particularly concerning performance expectations and facilitating conditions, significantly influencing the probability of digital marketing usage and the marketing of business products. Surprisingly, acceptance as part of performance expectations has a negative impact on digital marketing usage, especially on social media platforms. Furthermore, digital marketing proves to be of paramount importance for MSMEs looking to expand their businesses. Keywords: MSMEs; Digital Marketing; Covid-19; UTAUT Theory; Logistic Regression
Determinan stabilitas perbankan di Indonesia: Pendekatan makro dan mikro prudensial Dewi, Jayanti Sukma; Saraswati, Birgitta Dian
Journal of Business & Banking Vol 13 No 2 (2023): November 2023 - April 2024
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v13i2.4470

Abstract

Banks have a very important role in the economy. Not only as financial intermediaries. They have also played a big role in the effectiveness of monetary policy. Therefore, bank stability is very important. This research aims to determine the influence of micro-prudential variables represented by CAR, NPL, and LDR variables, as well as the influence of macro-prudential variables represented by the Rupiah exchange rate variable against USD, inflation, interest rates, and IHSG, on bank stability in Indonesia, both in the short and long term. Using the vector error correction model (VECM) analysis technique, this research provides results that microprudential variables and macroprudential variables are both proven to have an influence on banking stability in Indonesia. Micro-prudential indicators such as CAR and LDR have been proven to have a positive effect on banking stability. Meanwhile, NPLs have a negative effect on banking stability. Likewise for macro-prudential indicators: the exchange rate and inflation have a negative effect on financial system stability. Meanwhile, interest rates and IHSG have a positive effect on banking stability. The impact of surprises or shocks that occur in micro-prudential and macro-prudential variables on banking stability is permanent. The implication of the findings in this research is that Bank Indonesia and the Financial Services Authority have a very large role in achieving banking stability in Indonesia.
PENGARUH DIMENSI INKLUSI KEUANGAN DAN FINTECH TERHADAP PERTUMBUHAN EKONOMI NEGARA BERKEMBANG DI ASIA DENGAN INDEKS INKLUSI KEUANGAN TINGGI Saraswati, Birgitta Dian
Jurnal Ilmiah Bisnis dan Ekonomi Asia Vol 17 No 1 (2023): Jurnal Ilmiah Bisnis dan Ekonomi Asia
Publisher : LP2M Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32815/jibeka.v17i1.1161

Abstract

This study aims to determine the effect of access dimensions, availability dimensions, usage dimensions as indicators of financial inclusion and fintech on economic growth in Indonesia, India, Thailand, the Philippines and Cambodia which are developing countries in Asia with a high level of financial inclusion. The data used is a combined panel data between the crosssection data of the five countries and the time series in the 2015-2019 time period. By using the Fixed Effect Model (FEM) method, this study shows that the availability dimension with the number of commercial bank branch offices has a significant effect in a negative direction and the usage dimension with loans disbursed by commercial banks has a significant positive effect on economic growth. While the access dimension with indicators of ownership of commercial bank savings accounts and payment fintech has no significant effect on economic growth.
Pengaruh Karakteristik Usaha dan Akses LKM Terhadap Omzet Pedagang Mikro Perempuan Salatiga Manullang, Tya Anastasya; Thenu, Tirsa Natasha; Sundari, Sundari; Saraswati, Birgitta Dian
MDP Student Conference Vol 4 No 2 (2025): The 4th MDP Student Conference 2025
Publisher : Universitas Multi Data Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35957/mdp-sc.v4i2.10934

Abstract

This study evaluates the impact of access to Microfinance Institutions (MFIs) on the development of women-owned micro-enterprises in Salatiga City. Using a quantitative approach and multiple regression analysis, the study involved 90 female micro-entrepreneurs. The variables examined include education level, business competition, ownership status, business age, and MFI access in relation to business revenue. The findings reveal that education level significantly influences revenue, while other variables show no significant impact. Most entrepreneurs rely on self-funding (61%), with only 28% utilizing MFI loans, influenced by high borrowing costs and complex procedures. This study highlights the need for more inclusive financial access and empowerment strategies for female entrepreneurs to support the sustainable growth of micro-enterprises.
Determinan stabilitas perbankan di Indonesia: Pendekatan makro dan mikro prudensial Dewi, Jayanti Sukma; Saraswati, Birgitta Dian
Journal of Business & Banking Vol 13 No 2 (2023): November 2023 - April 2024
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jbb.v13i2.4470

Abstract

Banks have a very important role in the economy. Not only as financial intermediaries. They have also played a big role in the effectiveness of monetary policy. Therefore, bank stability is very important. This research aims to determine the influence of micro-prudential variables represented by CAR, NPL, and LDR variables, as well as the influence of macro-prudential variables represented by the Rupiah exchange rate variable against USD, inflation, interest rates, and IHSG, on bank stability in Indonesia, both in the short and long term. Using the vector error correction model (VECM) analysis technique, this research provides results that microprudential variables and macroprudential variables are both proven to have an influence on banking stability in Indonesia. Micro-prudential indicators such as CAR and LDR have been proven to have a positive effect on banking stability. Meanwhile, NPLs have a negative effect on banking stability. Likewise for macro-prudential indicators: the exchange rate and inflation have a negative effect on financial system stability. Meanwhile, interest rates and IHSG have a positive effect on banking stability. The impact of surprises or shocks that occur in micro-prudential and macro-prudential variables on banking stability is permanent. The implication of the findings in this research is that Bank Indonesia and the Financial Services Authority have a very large role in achieving banking stability in Indonesia.
Pelatihan dan Pendampingan Penggunaan QRIS Pada Pedagang Dan Pelaku Usaha Di Salatiga Wahyudi, Yustinus; Sasongko, Gatot; Fevriera, Sotya; Saraswati, Birgitta Dian; Pertiwi, Angelita Titis
Jurnal Pengabdian Masyarakat Indonesia Vol 4 No 1 (2024): JPMI - Februari 2024
Publisher : CV Infinite Corporation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52436/1.jpmi.1960

Abstract

Kegiatan pengabdian masyarakat ini bertujuan, pertama: mengidentifikasi pedagang, pelaku usaha UMKM dan masyarakat yang telah menggunakan QRIS dan yang belum menggunakan; Kedua: meningkatkan literasi keuangan pedagang, pelaku usaha UMKM dan masyarakat melalui pengetahuan penggunaan QRIS sebagai alat pembayaran digital; Ketiga meningkatkan pendapatan pedagang dan pelaku usaha UMKM melalui pendampingan penggunaan QRIS sebagai alat pembayaran digital. Dengan semakin meratanya penggunaan alat pembayaran digital oleh masyarakat secara umum akan mempercepat pemulihan ekonomi pasca pandemi di Kota Salatiga. Metode yang digunakan adalah pendekatan kuantitatif. Kegiatan pengabdian masyarakat ini menghasilkan temuan bahwa kegiatan sosialisasi dan pelatihan penggunaan QRIS sebagai alat pembayaran digital memberikan dampak positif yaitu mampu meningkatkan jumlah pelaku UMKM untuk menggunakan pembayaran digital QRIS atau sebesar 11,9%. Meskipun demikian masih banyak pelaku UMKM yang tetap belum menggunakan QRIS (79,7%), meskipun sudah mengikuti pelatihan yang disebabkan oleh tidak memiliki rekening perbankan.
Pengaruh Pembayaran Non Tunai dan Era Fintech 4.0 Terhadap Velocity of Money di Indonesia Ramadhan, Bintang Dwika; Saraswati, Birgitta Dian
Jurnal Arastirma Vol. 5 No. 2 (2025): JURNAL ARASTIRMA
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/jaras.v5i2.48527

Abstract

Tujuan. Penelitian ini bertujuan untuk mengidentifikasi pengaruh pembayaran non tunai (uang elektronik, transaksi menggunakan ATM/Debit, transaksi menggunakan kartu kredit, Era Fintech 4.0 dan Era Pandemi Covid-19 terhadap velocity of money di Indonesia. Metode. Penelitian ini merupakan penelitian kuantitatif dengan menggunakan data sekunder runtut waktu tahun 2015-2023. Teknik analisis yeng digunakan adalah model regresi Error Correction Model (ECM) Hasil. Volume transaksi e-money, transaksi pembayaran ATM dan Debit dan Era Fintech 4.0 terbukti tidak berpengaruh secara signifikan terhadap velocity of money di Indonesia tahun 2015-2023 baik dalam jangka pendek maupun dalam jangka panjang. Volume transaksi kartu kredit berpengaruh signifikan negatif terhadap terhadap velocity of money di Indonesia tahun 2015-2023 dalam jangka panjang namun tidak berpengaruh signifkan negatif dalam jangka pendek. Begitu juga Pandemi  Covid 19 terbukti berpengaruh signifikan negatif terhadap terhadap velocity of money di Indonesia tahun 2015-2023 dalam jangka panjang dan jangka pendek. Implikasi. Pembayaran Non Tunai terbukti tidak berpengaruh terhadap velocity of money di Indonesia. Ini mengindikasikan bahwa masih rendahnya penggunaan pembayaran non tunai di Indonesia, sehingga diharapkan pemerintah dalam hal ini Bank Indonesia dapat mengoptimalkan program sosialisasi pembayaran non tunai kepada Masyarakat untuk dapat mewujudkan masyarakat yang biasa dengan pembayaran non tunai (cashless society)
KEPUASAN KONSUMEN DESTINASI WISATA TAMAN TEBING BREKSI MELALUI KUALITAS PELAYANAN SEBAGAI VARIABEL MEDIASI Pertiwi, Angela Titis; Saraswati, Birgitta Dian; Fevriera, Sotya; Siwi, Virgiana Nugransih; Agilita, Yuliana
Dinamika Ekonomi: Jurnal Ekonomi dan Bisnis Vol 17 No 1 (2024): DINAMIKA EKONOMI Jurnal Ekonomi dan Bisnis Vol.17 No.1 Maret 2024
Publisher : Sekolah Tinggi Ilmu Ekonomi Nasional (STIENAS) Banjarmasin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53651/jdeb.v17i1.472

Abstract

Research on consumer behavior is important in the world of business, including in the filed of tourism business. One of the tourism objects that is relatively new so that it still needs suggestions from researches for its development is Breksi Cliff in Sleman Regency. This research aims to study the effect of personal value on service quality and the effects of personal value and service quality on the satisfaction of Breksi Cliff tourists. This research used Partial Least Squares-Structural Equation model approach which was built from a sample of 200 tourists which was collected through a survey in Breksi Cliff. This research found that personal value affects service quality, that service quality affects tourist satisfaction and that personal value influences tourist satisfaction both directly and indirectly through service quality.
Co-Authors Agilita, Yuliana Angela Gracia Permata Hati Angela Gracia Permata Hati Angelita Titis Pertiwi Aryanto, Oktama Gusti Yudha Bobby Yuga Utama David Kaluge Dewi, Jayanti Sukma Dhian Adhitya Dhian Adhitya Dwi Indarti Fajar Setiawan Gabriella Gabriella Galaxi Chrisamba Gatot Sasongko Gunarto, Alexandra Nesta Levina Leonardus Very Yudi Pradana Lia Ika Lestari Lutfitasari, Princisca M. Khusaini Manullang, Tya Anastasya Maulidiya, Erlina Muhammad Sulistyo Jati Nafurbenan, Klara Ayu Ni Made Tisnawati Palloan, Ricek Pasaribu, Yusnarto Fizai Atmojo Pramesti, Indah Prasetya, Maria Agape Widya Ramadhan, Bintang Dwika Rio Maggi Sairo, Justi Sangka, Stesia Selumiel Simorangkir, Christien Sotya Fevriera Sotya Fevriera Sundari Sundari Thenu, Tirsa Natasha Trisdian, Paula Adiati Virgiana Nugransih Siwi Yulius Pratomo Yunika Damai Krisnawati Yustinus Wahyudi Yustinus Wahyudi