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PENGARUH PDRB, SUKU BUNGA, DAN AGEN TERHADAP TABUNGAN LAKU PANDAI DI PROVINSI RIAU PERIODE 2015.Q1 – 2019.Q4 Zeni Asrul; Rosyetti Rosyetti; Widayatsari Any
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 8, No 2 (2021): (Juli - Desember)
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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This study aims to analyze the influence, pdrb, interest rates, and agents on branchless banking savings in smart behavior in Riau Province in the long and short term 2015.Q1 - 2019.Q4. This research was conducted in Riau Province with the aim of using data from the 2015.Q1 - 2019.Q4 period to produce accurate estimates and conclusions regarding the variables studied and to find out the interpretation of the research object using quarterly data for 5 years. The method used in this research is descriptive and quantitative methods. The analysis model used is multiple linear regression analysis (help of EViews 10 software). The data analysis technique used is the error correction model. As for seeing the effect of independent variables on the dependent variable in the long term and short term where the end result will measure the effect of GDP, interest rates, and agents on branchless banking savings in smart behavior in Riau Province in the long and short term. The results of this study indicate that in the long term, pdrb has a negative and insignificant effect on smart banking branchless savings, interest rates have a positive and insignificant effect on branchless banking savings with smart behavior, and agents have a positive and significant effect on branchless banking savings with smart behavior in the province. Riau. In the short term, pdrb has a positive and insignificant effect on the savings of branchless banking with smart behavior, interest rates have a positive and insignificant effect on savings at branchless banking at smart behavior, and agents have a negative and insignificant effect on savings at branchless banking with smart behavior in Riau Province.Keywords : savings, branchless banking, smart behavior, pdrb, interest rates, agents
ANALISIS HUBUNGAN PERTUMBUHAN EKONOMI DAN KONSUMSI RUMAH TANGGA PROVINSI RIAU TAHUN 2000-2019 DENGAN ANALISIS VECM Angelina Morisya; Widayatsari Any; Isbah Ufira
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 8, No 1 (2021): (Januari - Juni)
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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The purpose of this study was to analyze the relationship between economic growth and household consumption in Riau Province with VECM analysis. The data used in this research is secondary data which is time series. The analytical method used in this research is the Vector Error Correction Model. The results showed that economic growth had a significant negative effect on household consumption in the long and short term and household consumption had a significant positive effect on household consumption in the short term. The results of the impulse response test showed that the shock of economic growth caused household consumption to increase at the beginning of the period, then decreased in the middle of the period, and increased at the end of the period. Then, the household consumption shock causes economic growth to decline at the beginning of the period, then increases in the middle of the period, and decreases at the end of the period. The results of the variance decomposition show that the contribution of economic growth to changes in household consumption by the end of the period is 57.44%. This condition indicates that economic growth has an effect on household consumption. Meanwhile, household consumption contributed 27.02% to changes in economic growth until the end of the period. The results of the Granger causality test showed that there was a one-way relationship, namely that economic growth had an effect on household consumption. The results of the Johansen cointegration test indicate a long-term relationship between variablesKeyword: economic growth, household consumption, impulse response, variance decomposition, Granger causality, Johansen test, VECM
ANALISIS RASIO PROFITABILITAS BANK MUAMALAT INDONESIA TAHUN 2010 – 2019 Yusanti Reska; Widayatsari Any; Kornita Endang Sri
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 8, No 2 (2021): (Juli - Desember)
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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This study aims to analyze the Profitability Ratios of Bank Muamalat Indonesia in 2010 - 2019. The type of data used in this study is secondary data in the form of time series obtained from the financial statements of Bank Muamalat Indonesia for 2010 - 2019. The data analysis method used in this study namely horizontal analysis. The condition of Bank Muamalat Indonesia is very worrying, seen from the declining ROA value throughout the year, where Bank Muamalat Indonesia cannot generate large profits. What happened was that the profit generated by Bank Muamalat decreased from year to year. The peak is that Bank Muamalat in 2019 was only able to generate a profit of 26 trillion rupiah. This condition is considered that Bank Muamalat is low in anticipating losses and in increasing capital. Likewise with ROE, the ability of the bank's paid-in capital to generate low profits, where the return on equity of Bank Muamalat tends to decrease every year. This shows that the rate of return on capital received by investors or invested capital is very small. So that it makes investors not interested in entering Bank Muamalat As with REO, Bank Muamalat Indonesia's REO also experiences a decline every year. Every operational expense issued by Bank Muamalat, the bank is unable to balance it with its operating income. Until Bank Muamalat. So basically Bank Muamalat Indonesia is experiencing problems in running its company. Because throughout the year, Bank Muamalat experienced a decline in its business. Banks are not able to compete with other banks and have lost competitiveness. Currently, Bank Muamalat needs capital to repair and revive its company from the brink of bankruptcy.Keywords: Profitabilitas, Return On Assets, Return On Equity, Rasio Efisiensi Operasional
PENGARUH NILAI TUKAR RUPIAH, FOREIGN DIRECT INVESTMENT (FDI), PINJAMAN LUAR NEGERI DAN NET EKPOR TERHADAP CADANGAN DEVISA DI INDONESIA TAHUN 2005-2019 Anisa Febri; Syapsan Syapsan; Widayatsari Any
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 8, No 2 (2021): (Juli - Desember)
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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This study aims to determine the effect of the influence of the rupiah exchange rate, foreign direct investment (FDI), foreign loans and net exports on foreign exchange reserves in Indonesia in 2005-2019. The data used is time series data for the period 2005-2019. This study uses the Multiple Linear Regression analysis method using the statistical program Eviews 10. This study provides partial results that the rupiah exchange rate has a negative and significant effect on foreign exchange reserves. Foreign direct investment (FDI) partially has a positive and insignificant effect on foreign exchange reserves. Partial foreign loans have a positive and significant effect on foreign exchange reserves. Net exports partially have a negative and insignificant effect on foreign exchange reserves. Simultaneously, the exchange rate, foreign direct investment (FDI), foreign loans and net exports together have a significant effect on foreign exchange reserves in Indonesia. The Adjusted R-Squared value in this study is 0.905239, which means that 91 percent of the foreign exchange reserve variable can be explained by the independent variables in this study, the remaining 9 percent is explained by other variables outside the research model. Keywords: Rupiah Exchange Rate, Foreign Direct Investment (FDI), Foreign Loans, Net Exports, Foreign Exchange Reserves
ANALISIS EFEKTIVITAS PENERAPAN KEBIJAKAN BARU BANK INDONESIA MENGENAI PERUBAHAN BI RATE MENJADI BI-7DAYS REPO RATE TERHADAP PERKEMBANGAN INFLASI DI INDONESIA TAHUN 2011-2020. Wandi Nofiesti Annisa; Iyan Yani Rita; Widayatsari Any
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 7, No 2 (2020): (Juli - Desember 2020)
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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This study aims to determine whether changes in Bank Indonesia's policy, namely changing the old benchmark interest rate of the BI Rate to a new benchmark rate, namely the BI 7-Days Repo Rate, which lasts from one month to one week, is more effective in suppressing and controlling inflation. in Indonesia. The data used in this study are quarterly data from 2011 to 2020. The analytical method used is descriptive quantitative and analyzed with the Vector Error Correction Model (VECM) approach using the computer statistical program Eviews version 10. The results of this study indicate that the old benchmark interest rate, namely the BI Rate, is considered ineffective in suppressing and controlling inflation in Indonesia. Meanwhile, Bank Indonesia, which changed its policy and set a new benchmark interest rate, namely the BI 7-Days Repo Rate, is considered effective in suppressing and controlling inflation in Indonesia.Keywords: Effectiveness, BI Rate, BI 7-Days Repo Rate, Inflation
Co-Authors Abqori Irwandi Rhobi Angelina Morisya Anisa Febri Aritonang Maringan Ekwarso Hendro isbah Ufira Iskandar Fadly Mohamad Iyan Yani Rita Kaswina Irya Rabiatul Kholifah Fitri Margolang Irhas Muhammad Mayes Anthony Rahmat Richard Rahmat Richard Ratnasari Dessy Wa Rosyetti Rosyetti Sri Endang Kornita Sulistyani Indah Shinta Syapsan Syapsan Syaputra Dwi Yoga Wandi Nofiesti Annisa Yusanti Reska Zeni Asrul Zuliyan Desvani Nanda