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All Journal Journal of Innovation in Business and Economics Jurnal Syntax Imperatif : Jurnal Ilmu Sosial dan Pendidikan Bina Ekonomi: Majalah Ilmiah Fakultas Ekonomi Universitas Katolik Parahyangan Jurnal Riset Ilmu Ekonomi dan Bisnis Bandung Conference Series: Economics Studies MIMBAR : Jurnal Sosial dan Pembangunan Kajian Akuntansi Jurnal Penelitian Pendidikan Indonesia Dinamika Ekonomi: Jurnal Kajian Ekonomi dan Pembangunan Jurnal Manajemen dan Bisnis (Performa) International Journal of Entrepreneurship and Sustainability Studies
Nurfahmiyati Nurfahmiyati
Prodi Ekonomi Pembangunan, Fakultas Ekonomi Dan Bisnis, Universitas Islam Bandung, Indonesia
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Social Sciences Other

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Pengaruh Transaksi E-Money dan Mesin EDC terhadap Velocity of Money Tasya Putri Sopandi; Nurfahmiyati
Bandung Conference Series: Economics Studies 233 - 240
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcses.v6i2.24404

Abstract

Abstact. The development of digital technology has driven a shift in payment systems from cash to non-cash transactions, particularly through electronic money (e-money) and Electronic Data Capture (EDC) machines. The increasing use of these digital payment instruments raises questions about their effect on the Velocity of Money, an indicator of economic activity. This study analyzes the influence of electronic money transaction volume and the number of EDC machines on the velocity of money in Indonesia during 2015-2024, using a quantitative descriptive method with multiple linear regression analysis based on annual secondary data from Bank Indonesia and the Central Bureau of Statistics (BPS). The results show that electronic money transaction volume has a negative and insignificant effect on the Velocity of Money, while the number of EDC machines has a negative and significant effect. Simultaneously, both independent variables significantly affect the velocity of money, with an Adjusted R-Squared value of 69.27%. These findings indicate that the development of the digital payment system influences the dynamics of money velocity in Indonesia, suggesting the need to optimize the use of digital payment systems and improve financial literacy to support transaction effectiveness and national economic activity. Abstrak. Perkembangan teknologi digital mendorong pergeseran sistem pembayaran dari tunai menuju non-tunai, terutama melalui uang elektronik (e-money) dan mesin Electronic Data Capture (EDC). Peningkatan penggunaan kedua instrumen pembayaran digital tersebut menimbulkan pertanyaan mengenai pengaruhnya terhadap perputaran uang (Velocity of Money) sebagai salah satu indikator aktivitas perekonomian. Penelitian ini menganalisis pengaruh volume transaksi uang elektronik dan jumlah mesin EDC terhadap perputaran uang di Indonesia periode 2015-2024, menggunakan metode kuantitatif deskriptif dengan analisis regresi linier berganda berdasarkan data sekunder tahunan dari Bank Indonesia dan Badan Pusat Statistik. Hasil penelitian menunjukkan bahwa volume transaksi uang elektronik berpengaruh negatif dan tidak signifikan terhadap Velocity of Money, sedangkan jumlah mesin EDC berpengaruh negatif dan signifikan. Secara simultan, kedua variabel berpengaruh signifikan terhadap perputaran uang dengan Adjusted R-Squared sebesar 69,27%. Temuan ini mengindikasikan bahwa perkembangan sistem pembayaran digital turut memengaruhi dinamika perputaran uang di Indonesia, sehingga diperlukan optimalisasi pemanfaatan sistem pembayaran digital serta peningkatan literasi keuangan untuk mendukung efektivitas transaksi dan aktivitas ekonomi nasional.
Strategi Penguatan Daya Saing UMKM melalui Pendampingan Sertifikasi Halal, Business Model Canvas, dan Digitalisasi Pemasaran Hantoro Ksaid Notolegowo; Asnita Frida Sebayang; Nurfahmiyati Nurfahmiyati; Ria Haryatiningsih
JURNAL SYNTAX IMPERATIF : Jurnal Ilmu Sosial dan Pendidikan Vol. 7 No. 3 (2026): Jurnal Syntax Imperatif: Jurnal Ilmu Sosial dan Pendidikan
Publisher : CV RIFAINSTITUT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54543/syntaximperatif.v7i3.1206

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) di daerah pedesaan sering kali menghadapi keterbatasan dalam aspek legalitas, manajemen keuangan, serta jangkauan pemasaran. Penelitian ini bertujuan untuk menguji efektivitas pendampingan terpadu yang mencakup kesiapan sertifikasi halal, Business Model Canvas (BMC), literasi keuangan syariah, dan digitalisasi pemasaran dalam meningkatkan kapasitas serta indikator daya saing UMKM di Desa Mekarmanik. Pendekatan partisipatif diterapkan kepada 14 peserta, yang terdiri dari 11 pelaku UMKM olahan pangan, Pemerintah Desa, BUMDes (Badan Usaha Milik Desa), dan Koperasi Rasagalor. Evaluasi dilakukan melalui perbandingan deskriptif hasil pre-test dan post-test. Rata-rata nilai pre-test meningkat dari 86,67% menjadi 100% pada post-test, atau naik 13,33 poin persentase. Selain itu, peserta berhasil menyusun dokumen BMC, menerapkan pencatatan keuangan sederhana, mengoptimalkan Google Business Profile dan TikTok Shop, serta memperoleh sertifikasi halal. Temuan ini menunjukkan bahwa pendampingan terpadu menghasilkan penguatan kapasitas manajerial, legalitas, dan pemasaran digital yang mendukung daya saing UMKM secara terukur pada tingkat lokal.
Forest-Grown Coffee for Village Prosperity: A Business Model Analysis Asnita Sebayang; Nurfahmiyati Nurfahmiyati; Meidy Haviz
International Journal of Entrepreneurship and Sustainability Studies Vol. 5 No. 1 (2025): July
Publisher : UPT Publikasi Ilmiah UNISBA

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

Abstract

The leading commodity of forest coffee is a strategic opportunity for the local economy's strength. This study uses a Participatory Action Research (PAR) approach that combines a qualitative approach with participatory action as part of an effort to increase the role of coffee as the competitive advantage of Mekarmanik Village in Bandung Regency. Identifying the business model using the Hijrah Tool Business Model approach indicates that this business has a promising business model. The main sources of strength of the coffee business are the geographical aspects that impact the quality of coffee with unique flavors, social capital, strategic partnerships through the role of cooperatives, and skilled human resources. The limitation of coffee commodity development as the village's leading commodity is related to area development, which is mostly in protected forest areas, a lack of accessibility, particularly connectivity (infrastructure), a lack of product marketing, high dependency on middlemen, and managerial obstacles. This study recommends a triple-helix approach that involves coffee farmers/businesses in the village, the government, and universities to increase community income more sustainably and equitably.
FAKTOR PENENTU TINGKAT PENGANGGURAN USIA PRODUKTIF AWAL PADA MASA PANDEMI COVID-19 DI KECAMATAN SUKAJADI Althaf Azhar Rafhi Syahputra; Shafira Syahnaztia; Nurfahmiyati Nurfahmiyati
Bina Ekonomi Vol. 26 No. 1 (2022): Bina Ekonomi: Majalah Ilmiah Fakultas Ekonomi Universitas Katolik Parahyangan
Publisher : Center for Economic Studies Universitas Katolik Parahyangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26593/be.v26i1.5417.50-62

Abstract

The Ministry of Manpower stated that the Covid-19 pandemic had a significant impact on labor market conditions in Indonesia. This is due to the increasing number of companies terminating their employees. With this, the unemployment rate increased by 7.35%. One of the factors that can affect the high unemployment rate is the high number of job seekers of 89% which is not matched by the number of jobs as many as 15 million that must be provided by the government. The purpose of this study was to determine what factors can determine the high rate of early productive age unemployment in Sukajadi District, Bandung City. The sample of this study were residents of early productive age located in Sukajadi District, Bandung City. The sampling technique used is purposive sampling. The method used is an exploratory quantitative method by performing regression analysis. The results of this study indicate that the variable level of education of early productive age and health level of early productive age have a significant effect on the unemployment rate of early productive age, while the variable of labor force participation rate of early productive age has no effect on unemployment rate of early productive age.
STRATEGI DALAM MENGATASI PENGANGGURAN AKIBAT COVID-19 DI KELURAHAN SUKAGALIH KOTA BANDUNG Mohamad Ibnu Dinar; Nurul Sifa; Nurfahmiyati Nurfahmiyati
Bina Ekonomi Vol. 26 No. 1 (2022): Bina Ekonomi: Majalah Ilmiah Fakultas Ekonomi Universitas Katolik Parahyangan
Publisher : Center for Economic Studies Universitas Katolik Parahyangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26593/be.v26i1.5440.63-75

Abstract

The problem of unemployment in Sukagalih Village is caused by the many economic sectors that have been affected by the emergence of the COVID-19 pandemic. Unemployment that occurs is caused by several factors, such as the many occurrences of layoffs (Termination of Employment), the PPKM policy (Enforcement of Restrictions on Community Activities) or Work From Home (WFH) rules. The purpose of this study is to determine the condition of unemployment due to COVID-19 and strategies to overcome unemployment. This research is categorized as a field research using qualitative descriptive methods and using primary data and secondary data collected using interview guidelines. In determining the strategy of reducing unemployment, this study uses triangulation techniques to test the validity of the data. There are three main reasons revealed by informants from the community that they have not or are not working, namely the COVID-19 pandemic, age constraints, and having a history of illness. The results of this study indicate that there are special strategies in overcoming the unemployment problem due to COVID-19 in Sukagalih Village, including providing job training and increasing job vacancies.
Co-Authors 10090221021, Sarah Nurzakiah Abia Hessa Liyana Zahra Allya Roosallyn Assyofa Althaf Azhar Rafhi Syahputra Althaf Azhar Rafhi Syahputra Amaliya, Ima Annisa Nadiyah Rahmani Asnita Frida Sebayang Asnita Sebayang Asri Suangga Asyifa Nur Azizah Azkia Rahma Pradinda Bayu Putra Cahyani Wulandari Dimas Nurjaya Elda Nur Fauzi Fadilah Ghani Azis febby bilqis Ferdi Z Azan Ferdi Zanuar Azan Fitriani Nabila Dewi Hantoro Ksaid Notolegowo Harlina Meidiaswati Ikhsan Asyaufi Ramadani Ima Amaliah Kania Nurcholisah Khairunnisa Aydiawan Nasution Magnaz Lestira Oktaroza Magnaz Lestira Oktoroza Meidy Haviz Mira Permata Sari Moch Fajar Suryo Atmojo Mohamad Ibnu Dinar Mohamad Ibnu Dinar Muhamad Taufiq Amarullah Nunung Nurhayati Nunung Nurhayati Nurleli Nurul Sifa Nurul Sifa Ria Haryatiningsih Rini Lestari Rini Lestari Rini Lestari Ririn Sri Kuntorini Rofi Rofaida Sabana, Mochamad Arief Saffana Putri Arifa Sebayang, Asnita Shafira Syahnaztia Shafira Syahnaztia Silvi Aprillia Devi Sri Iswati Tamira Naila Rafifasha Tasya Aspiranti Tasya Putri Sopandi Wafin Renaldi Wijaya Handoyo Yuhka Sundaya Zainuddin Maliki