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All Journal Journal The Winners Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Global Review of Islamic Economics and Business Binus Business Review Ikonomika : Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam SRIWIJAYA INTERNATIONAL JOURNAL OF DYNAMIC ECONOMICS AND BUSINESS AFRE Accounting Financial Review Owner : Riset dan Jurnal Akuntansi International Journal of Supply Chain Management Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Jurnal Pengabdian Dharma Laksana Jurnal Manajemen Abdimas Galuh : Jurnal Pengabdian Kepada Masyarakat Madaniya Jurnal PADMA: Pengabdian Dharma Masyarakat Kontigensi: Jurnal Ilmiah Manajemen
Effendi, Kharisya Ayu
Universitas Widyatama
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Nursing Social Sciences Transportation Other

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OPTIMALISASI SHARI'A COMPLIANT ASSET PRICING MODEL TERHADAP RATE OF RETURN PADA JAKARTA ISLAMIC INDEX Kharisya Ayu Effendi
Jurnal Manajemen Vol. 20 No. 3 (2016): October 2016
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jm.v20i3.13

Abstract

This study aimed to compare the three models SCAPM, namely SCAPM without risk free, SCAPM inflation and SCAPM zakat to know which model is more optimal use. The method used is the analysis of explanatory power and linear regression. The data used is secondary data, the inflation data, zakat, sharia shares incorporated in Jakarta Islamic Index (JII) from 2011 to 2015.The results are based on the analysis of explanatory power, SCAPM inflation is more optimal than SCAPM zakat and SCAPM without risk free. The results are supported by the results of the analysis graph illustrating SCAPM inflation has a higher volatility than other SCAPM, it indicates that the more profitable inflation SCAPM models are accompanied by greater risks, in accordance with the principles of the classical high risk high return.
Perencanaan Dan Pengaturan Keuangan Keluarga Dengan Menggunakan Konsep Sakinah Finance Di Lembaga Al-Quran Qashwa Bandung Sakina Ichsani; Kharisya Ayu Effendi; Dede Hertina; John Henry Wijaya; R. Susanto Hendiarto
Jurnal Pengabdian Dharma Laksana Vol 5, No 1 (2022): JPDL (Jurnal Pengabdian Dharma Laksana)
Publisher : LPPM Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/j.pdl.v5i1.23434

Abstract

Pendidikan adalah proses belajar yang dilakukan oleh sekelompok orang yang diturunkan melalui pengajaran, pelatihan atau penelitian di bawah bimbingan orang lain seumur hidup. Pengajian atau dikenal juga dengan sebutan Majelis Taklim merupakan forum pembelajaran keagamaan informal yang masih menjadi pilihan umat Islam. Lembaga Al-Quran Qashwa Bandung merupakan lembaga informal yang fokus pada pendidikan agama Islam, seperti Aqidah, Fiqh, Adab dan Qiroatul-quran. Universitas Widyatama dan Lembaga Al-Quran Qashwa Bandung bekerja sama dalam pengabdian masyarakat. Masalah peserta kedepannya adalah bagaimana mencapai kebebasan finansial, oleh karena itu tutor mengambil tema tentang keuangan sakinah. Pengabdian masyarakat ini diikuti oleh 42 peserta. Langkah-langkah perencanaan keuangan dengan konsep keuangan sakinah terdiri dari lima langkah yaitu mengelola pendapatan, mengelola kebutuhan, mengelola impian, mengelola surplus dan defisit, serta mengelola kontinjensi.
Analysis Of Financial Performance And Macroeconomic On Firm Value Savira Faradila; Kharisya Ayu Effendi
Jurnal Manajemen Vol. 27 No. 2 (2023): June 2023
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/jm.v27i2.1255

Abstract

The purpose of this study is to determine the impact of capital structure, profitability, and gross domestic product on the firm value of food and beverage companies listed on the Indonesia Stock Exchange (BEI) from 2015 to 2021. Thirty-three food and beverage companies comprised the total population of this research; after selecting samples using sampling techniques, thirteen companies were obtained for use as samples in this study. Multiple linear regression analysis with panel data from 2015 to 2021 is utilized in this study. Results indicated that capital structure has no effect on firm value, profitability has a positive and significant effect on firm value, and GDP has no effect on firm value.
Pengaruh Inflasi dan Nilai Tukar Terhadap Indeks Saham Syariah (JII) Pada Pasar Modal Indonesia Vincentia Wahju Widajatun; Kharisya Ayu Effendi; Oliver Hasan Padmanegara
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 7 No 1 (2024): Article Research Volume 7 Number 1, January 2024
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v7i1.1361

Abstract

Salah satu kegiatan investasi yang saat ini sedang berkembang di Indonesia adalah berinvestasi di pasar modal syariah. Pasar modal syariah ini merupakan kegiatan investasi yang dilakukan sesuai dengan prinsip-prinsip syariah. Perkembangannya merupakan peluang tersendiri untuk mengembangkan keuangan syariah di Indonesia. Kinerja saham syariah dilihat dari indeks saham syariah. Di Indonesia terdapat beberapa indeks saham syariah yaitu Jakarta Islamic Index (JII) yang diluncurkan pada tanggal 3 Juli 2000, IDX-MES BUMN 17 yang merupakan kerja sama antara Bursa Efek Indonesia (BEI) dengan Masyarakat Ekonomi Syariah (MES), IDX Sharia Growth yang diluncurkan pada tanggal 31 Oktober 2022. Keberadaan pasar modal syariah di Indonesia ditandai dengan lahirnya indeks saham syariah yaitu Jakarta Islamic Index (JII) pada tahun 2000. Penelitian ini dilakukan dengan tujuan untuk melihat apakah pertumbuhan ekonomi dan nilai tukar dapat mempengaruhi pasar modal syariah di Indonesia, baik secara parsial maupun simultan. Pertumbuhan ekonomi menggunakan indeks harga konsumen (IHK), nilai tukar menggunakan kurs dollar Amerika dan pasar modal syariah menggunakan Jakarta Islamic index (JII). Data yang digunakan adalah data time series tahun 2001 hingga tahun 2022. Dengan menggunakan kriteria pengelolaan yang berbeda, indeks saham syariah dan indeks saham konvensional mungkin memiliki kinerja yang berbeda. Indeks saham syariah mungkin menunjukkan kinerja yang lebih stabil karena investasi dilakukan pada perusahaan yang memiliki praktik bisnis yang lebih konservatif dan tidak terlalu rentan terhadap fluktuasi pasar. Metode penelitian ini adalah kuantitatif, dianalisis menggunakan regresi berganda. Hasil penelitian ini menemukan bahwa inflasi tidak berpengaruh terhadap Jakarta Islamic Index (JII). Hal ini mengindikasikan bahwa Jakarta Islamic Index (JII) merupakan indeks saham yang stabil meskipun pertumbuhan ekonomi mengalami fluktuasi. Namun, Jakarta Islamic Index (JII) dipengaruhi oleh setiap pergerakan nilai tukar dolar AS. Hal ini dikarenakan dolar AS merupakan mata uang terkuat di dunia saat ini. Dengan demikian, pergerakannya dapat mempengaruhi keuangan di dunia, termasuk pasar saham syariah di Indonesia.
Analisis Pertumbuhan Fintech Sebelum dan Saat Pandemi Covid-19 di Indonesia Indira Subagia; Kharisya Ayu Effendi
Owner : Riset dan Jurnal Akuntansi Vol. 7 No. 4 (2023): Article Research Volume 7 Nomor 4 Oktober 2023
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/owner.v7i4.1668

Abstract

Fintech in development has fluctuations in every sentiment, both negative and positive and has had an impact on its development. Before the Covid-19 pandemic occurred, many people still use traditional financial services which were carried out through offline payment transactions and carrying cash even though fintech options were available. During the Covid-19 pandemic occurred, financial services changed offline habits into online activities. However, inconsistencies occurred between loan disbursement which increased while the interest trend in fintech financing decreased when the Covid-19 pandemic hit. The purpose of this study is to analyze whether there were differences before and during the Covid-19 pandemic among fintech lenders in Indonesia. analyze whether there were differences before and during the Covid-19 pandemic for fintech borrowers in Indonesia. The data used is transaction data of fintech lenders and borrowers in Indonesia from 2018 – 2022. This study uses the Paired Sample t-Test and the Wilcoxon Test with the Eviews 12 test tool. The results of this study indicate that there are significant differences in lender transactions and borrowers in conditions before the entry of Covid-19 to the time of entry of Covid-19 to Indonesia. The conclusion is that this significant difference is because during Covid-19, especially investors in Indonesia experienced many problems from health to finance, so when Covid-19 occurred they held back money more than investing in fintech so that lender transactions decreased. In borrower transactions due to lender transactions as lenders decreasing so that loan requests by borrowers that can be fulfilled also decrease.
Upaya Peningkatan Literasi Keuangan Bagi Generasi Z: Studi Pada Siswa SMA Santa Maria 1 Bandung Tanti Irawati Mukhlis; Vincentia Wahju Widajatun; Pebri Yanida; Neneng Susanti; Muhammad Bayu Aji Sumantri; Oliver Hasan Padmanegara; Kharisya Ayu Effendi
Madaniya Vol. 4 No. 4 (2023)
Publisher : Pusat Studi Bahasa dan Publikasi Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53696/27214834.577

Abstract

Selama sepuluh tahun terakhir, literasi keuangan menjadi fokus utama, mendorong upaya berkelanjutan pemerintah. Financial Fitness Index OCBC NISP, kerjasama antara OCBC NISP dan NielsenIQ, menganalisa sikap dan perilaku keuangan generasi muda Indonesia serta strategi peningkatannya. Berdasarkan sensus BPS 2020, sebagian besar penduduk Indonesia terdiri dari Gen Z dan Milenial. Gen Z, yang lahir antara 1997 dan 2012, mencakup 27,94% dari 270,2 juta penduduk. Dikenal fasih teknologi dan aktif di media sosial, Gen Z, dengan perkembangan teknologi saat ini, cenderung konsumeris dan memerlukan literasi keuangan yang lebih. Meskipun mengerti tentang konsep pengelolaan keuangan seperti menabung, tidak menjamin mereka praktik menabung. Penelitian menunjukkan literasi keuangan generasi muda relatif rendah, meskipun mereka aktif secara finansial, seperti terlihat dari kepemilikan kartu kredit. Literasi ini meningkat sejalan dengan pendidikan. Namun, pengetahuan mereka tentang tabungan, pinjaman, asuransi, dan investasi masih kurang.
Analisis Transformasi Halal Awerness dan Teknologi Blockchain Terhadap Penguatan Halal Value Chain Di Indonesia Kharisya Ayu Effendi; Tanti Irawati Mukhlis; Oliver Hasan Padmanegara; Vincentia Wahju Widajatun
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.10383

Abstract

The purpose of this study is to see whether Halal Awernes can influence the strengthening of the Halal Value Chain, also to see whether Blockchain Technology can affect the strengthening of the Halal Value Chain. This research method uses a quantitative method that proves the theory or results of previous research. The data used are SMEs in Indonesia, with a random sampling method using the formula according to (HOSMER et al., 1997). So that the obtained data that must be taken amounted to 96 respondents throughout Indonesia. Data analysis uses SPSS 26. The results of this study are Halal Awerness and Blockchain Technology have a positive and significant effect on the Halal Value Chain. This means that, the higher the halal awerness of MSMEs towards halal products will further strengthen the implementation of the Halal Value Chain in Indonesia. The higher understanding and use of blockchain technology in MSMEs will further strengthen the implementation of the Halal Value Chain in Indonesia.
Behavioral Finance: Hippocrates Personality and Behavioral of Islamic Finance on Investment Decision Gen Z Kharisya Ayu Effendi
Global Review of Islamic Economics and Business Vol. 11 No. 1 (2023)
Publisher : Faculty of Islamic Economics and Business, State Islamic University Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/grieb.2023.111-10

Abstract

This study aims to analyze Hippocrates' personality and an investor's financial behavior in making investment decisions. A quantitative research design was used to test the research hypotheses. The respondents consisted of Muslim students from universities in Bandung who belong to the category of Generation Z. The data analysis technique used was the Structural Equation Model (SEM) AMOS. The Hippocrates personality has a significant effect on financial behavior, and financial behavior has a significant effect on investment decisions. However, the Hippocrates personality does not have a significant effect on investment decisions. The findings of this research indicate that financial behavior needs to be improved by applying Sharia financial concepts so that it can support investment activities that are in line with Sharia principles. Personality Hippocrates emphasized choosing investments that are in line with the student's personality characteristics. This personality type is more inclined towards the behavior of calculating the appropriate risks and benefits of the investments made. The novelty of this research is demonstrated by the Islamic financial perspective which examines the relationship between Hippocrates' personality and financial behavior on investment decision-making. The expected implication is that Islamic finance can increase investment by knowing the Hippocratic personality type and financial behavior among Gen Z Muslims. Originality/Value: The originality of this research is found in studying personality types according to Hippocrates (129-200 BC) and the perspective of Islamic Finance in making investment decisions.
Analysis of Investment Feasibility for the Wonderlife Hotel Development Project in Pangandaran Based on Financial Aspect Dede Hilman; Kharisya Ayu Effendi
Kontigensi : Jurnal Ilmiah Manajemen Vol 11 No 2 (2023): Kontigensi: Jurnal Ilmiah Manajemen
Publisher : Program Doktor Ilmu Manajemen, Universitas Pasundan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56457/jimk.v11i2.436

Abstract

The increasing tourism activities in Pangandaran Tourist Destination must be supported by adequate facilities and infrastructure, particularly accommodation. Pondok Seni Pangandaran, owned by the Department of Culture and Tourism of West Java Province, needs to be revitalized to compete with other hotels. Through the Build Operate Transfer (BOT) cooperation scheme, private sector involvement is expected in investing in the revitalization of Pondok Seni Pangandaran. However, a feasibility study is required to determine the financial viability of the investment, including calculations of NPV, Profitability Index, Payback Period, and IRR. From the feasibility analysis, the investment shows a cash inflow of Rp. 555,712,698,655.00; projected profit and loss of Rp. 45,026,582,596.00 over a 30-year operating period; NPV of IDR 17,962,228,160.00; Profitability Index of 2.53; Payback Period of 10 years from the construction period and 8 years from the operational period; and IRR of 13.17%. In conclusion, the investment in the Wonderlife Hotel development project in Pangandaran is deemed feasible.
Financial Literacy and House Hold Portofolio Diversification: The Moderation Role of Risk Preferences Malinda, Shelfi; Mu'izzuddin, Mu'izzuddin; Malinda, Febri Marani; Effendi, Kharisya Ayu
AFRE (Accounting and Financial Review) Vol. 7 No. 2 (2024): Vol. 7 No. 2 Juni 2024
Publisher : Postgraduate Program Merdeka University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/afr.v7i2.12437

Abstract

The study examines the relationship between financial literacy and household portfolio diversification in Palembang, Indonesia. The sample was proportio-nally surveyed using proportional random sampling, so 405 households in Palembang, Indonesia divided into 18 districts. Inferential testing uses Struc-tural Equation Modeling (SEM) based on variants, namely Partial Least Squ-are (SEM-PLS). Results show that financial literacy positively influences port-folio diversification, while risk preference moderates this effect. The interaction between financial literacy and risk preference has a smaller effect size. The stu-dy contributes to the concept of optimal portfolios in Modern Portfolio Theory, as financial literacy encourages logical decisions and risk preferences optimize diversification decisions. The study also found that risk preference reduces the effect of financial literacy on portfolio diversification, as households understand that additional asset distribution may increase costs and reduce returns. Re-search suggests incorporating risk preference as a predictor and mediator to better understand the impact of financial literacy on portfolio diversification.DOI: https://doi.org/10.26905/afr.v7i2.12437
Co-Authors Amalia, Shendy Dede Hertina Dede Hilman Indira Subagia John Henry Wijaya Latif, Sahraman D Hadji Malinda, Febri Marani Malinda, Shelfi Mu'izzuddin, Mu'izzuddin Muhammad Bayu Aji Sumantri Neneng Susanti Nugraha Nugraha Nugrahani, Wahyu Panji Obsatar Sinaga Oliver Hasan Padmanegara Pebri Yanida Rashid, Aimi Zulhazmi Abdul Sahraman D Hadji Latif Sakina Ichsani Saputera, Denny Savira Faradila Sri Juniati Susanto Hendiarto Suskim Riantani, Suskim Tanti Irawati Mukhlis Vincentia Wahju Widajatun, Vincentia Wahju Wijaya, John Henry Yudawisastra, Helin G.