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All Journal Jurnal Ekonomi dan Pendidikan Jurnal Ekonomi Kuantitatif Terapan E-Jurnal Ekonomi dan Bisnis Universitas Udayana 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 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

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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.
ANALISIS PENGARUH LEMBAGA KEUANGAN MIKRO DAN INDEKS PEMBANGUNAN MANUSIA TERHADAP KETIMPANGAN PENDAPATAN DI INDONESIA Prasetya, Maria Agape Widya; Lutfitasari, Princisca; Sairo, Justi; Saraswati, Birgitta Dian
ANALISIS Vol. 12 No. 1 (2022): ANALISIS VOL. 12 NO. 01 EDISI MARET TAHUN 2022
Publisher : FACULTY OF ECONOMICS AND BUSINESS FLORES UNIVERSITY

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37478/als.v12i1.1137

Abstract

Income inequality is still a problem in the Indonesian economy. In order to realize the welfare of the people evenly, the government seeks to reduce the income inequality between provinces in Indonesia. The existence of microfinance institutions (MFIs) is expected to help the economy of the poor so that income distribution will be realized. This study aims to analyze the effect of loans disbursed by MFIs, the number of MFIs and the human development index (HDI) on income inequality in Indonesia. By using panel data regression analysis with a fixed effect model approach, this study shows that the number of loans disbursed techniques by MFIs has a significant positive effect on income inequality in Indonesia, while the HDI variable and the number of MFIs have no effect on income inequality in Indonesia
PERAN LEMBAGA KEUANGAN MIKRO DAN TENAGA KERJA TERHADAP PERTUMBUHAN EKONOMI Indarti, Dwi; Maulidiya, Erlina; Simorangkir, Christien; Saraswati, Birgitta Dian
ANALISIS Vol. 12 No. 2 (2022): ANALISIS VOL. 12 NO. 02 SEPTEMBER 2022
Publisher : FACULTY OF ECONOMICS AND BUSINESS FLORES UNIVERSITY

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37478/als.v12i2.1757

Abstract

Economic growth is a measure of the welfare of the Indonesian people. Over time, the factors that affect economic growth are growing. The emergence of Microfinance Institutions (MFIs) has its own impact on Indonesia's economic growth. This study aims to determine the effect of Microfinance Institutions on economic growth in Indonesia. By using the Random Effect Model (REM) panel data regression method covering 21 provinces in Indonesia in the 2019-2020 period, this study shows that, only the Labor variable is proven to have an effect on economic growth in Indonesia. While the variables for the number of MFIs and the amount of MSME loan funds have not been proven to have an effect on economic growth in Indonesia. This indicates that the human resource factor as a form of human capital is the main factor driving economic growth in Indonesia. So that the policy implication of this research is to encourage economic growth a policy to improve the quality of human resources is needed. Keywords: Economic Growth, Total Microfinance, Labor, REM
ANALISIS PENGARUH KEBERADAAN LEMBAGA KEUANGAN MIKRO TERHADAP KEMISKINAN DI INDONESIA Palloan, Ricek; Nafurbenan, Klara Ayu; Saraswati, Birgitta Dian
ANALISIS Vol. 13 No. 1 (2023): ANALISIS VOL. 13 NO. 1 MARET 2023
Publisher : FACULTY OF ECONOMICS AND BUSINESS FLORES UNIVERSITY

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37478/als.v13i1.2505

Abstract

Poverty is still a problem in every country, especially developing countries like Indonesia. In order to improve the welfare of the Indonesian people, the government seeks to reduce the poverty rate in Indonesia in various ways, one of which is by providing microfinance services. Microfinance institutions are expected to be able to help the poor so that they can obtain capital. The purpose of this research is to analyze the influence of the number of microfinance institutions, the number of loans to microfinance institutions, the assets of microfinance institutions and poverty alleviation in Indonesia. This study uses a quantitative method with panel data regression analysis techniques. The results show that the number of microfinance institutions does not affect poverty in Indonesia, this occurs because the existence of the number of microfinance institutions is not evenly distributed in Indonesia. Then the number of loans disbursed by microfinance institutions has a positive effect on poverty, if the number of loans increases, poverty also increases. return the loan. Financial institution assets have a negative effect on poverty, if assets increase, the poverty rate decreases. Unemployment has a positive effect on poverty, occurs because the level of welfare decreases due to unemployment.
PENGARUH PEMASARAN DIGITAL TERHADAP OMZET USAHA PADA MASA PANDEMI COVID 19 (STUDI PADA UMK DI KOTA SALATIGA) Fevriera, Sotya; Saraswati, Birgitta Dian; Adhitya, Dhian; Siwi, Virgiana Nugransih; Wahyudi, Yustinus
ANALISIS Vol. 13 No. 2 (2023): ANALISIS VOL. 13 NO. 2 TAHUN 2023
Publisher : FACULTY OF ECONOMICS AND BUSINESS FLORES UNIVERSITY

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37478/als.v13i2.2592

Abstract

This study aims to identify the effect of using digital marketing on MSME business turnover in Salatiga City before and during the Covid-19 pandemic. The research sample is 134 businesses representing all small and medium enterprises in Salatiga City. The research uses data on the use of digital marketing by business actors in Salatiga City. The analysis technique uses descriptive statistics, qualitative analysis and regression models. The results show that the use of digital marketing has proven to have an effect on the turnover of SMEs during the Covid-19 pandemic. SMEs who did not use digital marketing during the Covid-19 pandemic had a lower turnover than SMEs who used digital marketing during the Covid-19 pandemic.
PENGARUH LEMBAGA KEUANGAN MIKRO TERHADAP PERTUMBUHAN SEKTOR PERTANIAN INDONESIA Pasaribu, Yusnarto Fizai Atmojo; Aryanto, Oktama Gusti Yudha; Saraswati, Birgitta Dian
ANALISIS Vol. 14 No. 01 (2024): ANALISIS VOL. 14 NO. 01 TAHUN 2024
Publisher : FACULTY OF ECONOMICS AND BUSINESS FLORES UNIVERSITY

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37478/als.v14i01.3572

Abstract

The agricultural sector is a crucial sector in the Indonesian economy, this can be seen from its contribution to Gross Regional Domestic Product in 2022 of 12.40%. One of the problems faced by farmers is in terms of capital. The aim of this research is to analyze the influence of the number of MFIs and the financing provided by MFIs in Indonesia. This research uses quantitative methods with panel data regression analysis techniques for 2019-2022 in 21 provinces in Indonesia. The results of this research show that the number of microfinance institutions has no effect on the growth of the agricultural sector, this occurs because the existence of microfinance institutions is not evenly distributed in Indonesia. Then the financing provided by microfinance institutions has a negative effect on the growth of the agricultural sector, this is thought to be due to farmers' moral hazard and weak regulations that form the legal basis for MFIs.
Analisis Determinan Tabungan di Indonesia: Suatu Aplikasi Teori Life Cycle Hypothesis Sangka, Stesia Selumiel; Saraswati, Birgitta Dian
JURNAL TRANSFORMATIF UNKRISWINA SUMBA Vol. 14 No. 2 (2025): Vol XIV No 2 (November) 2025
Publisher : Universitas Kristen Wira Wacana Sumba

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The role of savings in an economy is very important, an increase in savings will increase investment and economic growth. This study aims to determine how per capita income, the number of productive age population, and interest rates affect savings in Indonesia using the Life Cycle Hypothesis (LCH) theoretical framework. Using the Partial Adjustment Model (PAM) analysis technique with an observation period of 1991-2023, this study provides results that the per capita income variable is proven to have a positive and significant effect, as well as the interest rate variable is proven to have a negative and significant effect. While the variable number of productive age population is proven to have no effect. This indicates that the Life Cycle Hypothesis (LCH) theory has not been proven to apply in Indonesia. This is thought to be due to the high age dependency ratio in Indonesia. The policy implications of the findings in this study are in an effort to encourage national savings in addition to policies that increase per capita income, also with policies that can reduce the age dependency ratio for example by optimizing the old age security program by requiring all companies to include their employees in the old age security program. In addition, the finding that interest rates have a negative effect on savings, which is thought to be a response to rising inflation, means that the inflation targeting monetary policy currently implemented by Bank Indonesia is the right policy in an effort to encourage national savings
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 Jati, Muhammad Sulistyo Leonardus Very Yudi Pradana Lia Ika Lestari Lutfitasari, Princisca M. Khusaini Manullang, Tya Anastasya Maulidiya, Erlina Nafurbenan, Klara Ayu Ni Made Tisnawati Palloan, Ricek Pasaribu, Yusnarto Fizai Atmojo Pertiwi, Angelita Titis Prasetya, Maria Agape Widya Ramadhan, Bintang Dwika Rio Maggi Sairo, Justi Sangka, Stesia Selumiel Simorangkir, Christien Sotya Fevriera Sundari Sundari Thenu, Tirsa Natasha Trisdian, Paula Adiati Virgiana Nugransih Siwi Yulius Pratomo Yunika Damai Krisnawati Yustinus Wahyudi