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All Journal Jurnal Keuangan dan Perbankan Kinerja Journal of Indonesian Economy and Business PROSIDING SEMINAR NASIONAL CENDEKIAWAN Jurnal Ekonomi KIAT International Journal of Social Science, Education, Communication and Economics Jurnal Ekonomi Trisakti PROGRESIF PENANOMICS: INTERNATIONAL JOURNAL OF ECONOMICS Publikasi Ilmiah Bidang Pengabdian Kepada Masyarakat (SIKEMAS) Media Ekonomi Asean International Journal of Business e-Jurnal Apresiasi Ekonomi Economica: Journal of Economic and Economic Education Dirkantara Indonesia Triwikrama: Jurnal Ilmu Sosial INOVASI: Jurnal Politik dan Kebijakan Asian Journal of Management, Entrepreneurship and Social Science Jurnal Sains dan Kesehatan

Sri Yani Kusumastuti

Universitas Trisakti

Author-ID : 3278241

Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Immunology & microbiology Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Public Health Social Sciences Other

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ANALISIS PENGARUH MINAT NASABAH DALAM MENGGUNAKAN MOBILE BANKING DENGAN MENGGUNAKAN KERANGKA TECHNOLOGY ACCEPTANCE MODEL (TAM) Teresia Perpetua Kota; Sri Yani Kusumastuti
Jurnal Apresiasi Ekonomi Vol 10, No 3 (2022)
Publisher : Institut Teknologi dan Ilmu Sosial Khatulistiwa

Penelitian ini bertujuan untuk mengetahui pengaruh Risiko dan kualitas layanan terhadap minat nasabah dalam menggunakan layanan mobile banking dengan Technology Acceptance Model (TAM). Metode yang digunakan dalam penelitian ini adalah metode kuantitatif dengan pengumpulan data melalui kuesioner yang disebarkan kepada responden di seluruh Indonesia yang menggunakan layanan mobile banking. Sampel yang diambil sebanyak 285 responden dengan teknik accidental sampling. Data yang diperoleh kemudian diolah dengan menggunakan alat bantu amos.24 dan menggunakan program IBM SPSS 25. Berdasarkan hasil uji hipotesis menunjukkan bahwa persepsi manfaat dan persepsi kemudahan berpengaruh positif terhadap minat nasabah dalam menggunakan mobile banking. Risiko berpengaruh negatif terhadap minat nasabah dalam menggunakan layanan mobile banking. Kualitas layanan tidak berpengaruh terhadap minat nasabah dalam menggunakan layanan mobile banking. Kata-kata kunci: Persepsi manfaat, persepsi kemudahan, risiko, kualitas layanan dan minat nasabah

THE INFLUENCE OF INTERNAL AND EXTERNAL FACTORS ON THE PROFITABILITY OF STATE-OWNED BANKS IN INDONESIA FOR THE 2009-2019 PERIOD Carissa Vania; Sri Yani Kusumastuti
PENANOMICS: International Journal of Economics Vol. 1 No. 1 (2022): April
Publisher : Yayasan Pusat Cendekiawan Intelektual Nusantara

This research was conducted with the aim of estimating the influence of internal factors in the form of Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Operating Costs/Operating Income (BOPO), and Loan to Deposit Ratio (LDR) as well as external factors in the form inflation, interest rate, exchange rate, and gross domestic product (GDP) on the profitability of BUMN banks in 2009-2019 using a measuring instrument in the form of Return on Asset (ROA). This study uses data obtained from the annual financial reports of each BUMN banks and from Bank Indonesia website. The data analysis technique used is panel data regression and hypothesis testing in the form of F test - Global dan t test – Parsial using a significance level of 5%. In addition, the Wald test was also carried out to see which independent variables could be eliminated in this study. The result shows that LDR has a positive effect on profitability. Meanwhile NPL, BOPO, and exchange rate have a negative effect on profitability.

POTENTIAL REVENUE OF VALUE ADDED TAX FROM TRADE TRANSACTIONS THROUGH THE ELECTRONIC SYSTEM Agrevinna Beatrice; Sri Yani Kusumastuti
Jurnal Apresiasi Ekonomi Vol 11, No 2 (2023)
Publisher : Institut Teknologi dan Ilmu Sosial Khatulistiwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31846/jae.v11i2.634

This study aims to estimate the potential revenue of taxing the digital commerce transaction in Indonesia by implementing Value Added Tax on e-Commerce. The estimation is calculated from Indonesia’s electronic commerce projection from Statista in three scenarios, optimistic scenario, moderate scenario, and pessimistic scenario. The estimated VAT on e-Commerce revenues from these three scenarios are then compared with the VAT revenue in State Budget 2020. The estimations show that imposing VAT on e-commerce can raise 3,02-5,35% VAT revenue target in 2020.

ANALISIS PENGARUH FINANCIAL ATTITUDE,FINANCIAL BEHAVIOR, DAN FINANCIAL KNOWLEDGE TERHADAP TINGKAT LITERASI KEUANGAN Irma Agustiani; Sri Yani Kusumastuti
Triwikrama: Jurnal Ilmu Sosial Vol. 1 No. 3 (2023): Triwikrama: Jurnal Ilmu Sosial
Publisher : CV SWA ANUGERAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.6578/tjis.v1i3.151

This study aims to analyze and test the variable indicators of measuring financial literacy through three measurement indicators, namely Financial Attitude, Financial Behavior and Financial Knowledge on increasing levels of financial literacy. This study uses a quantitative method with non probability sampling technique. the population in this study is a community that is limited to at least 17 yearswith a minimum education level of high school (Equivalent) and feels the influence of Financial Literacy, with sample data obtained as many as 250 respondents. the data is processed using the Structural Equation Model (SEM) technique using the SPSS 22 and Amos 24 analysis tools. The results of this study indicate that Financial Attitude has a significant effect on Financial Literacy, Financial Behavior has a significant effect on Financial Literacy and Financial Knowledge has a significant effect on Financial Literacy.

DAMPAK PERUBAHAN VARIABEL EKONOMI MAKRO TERHADAP KINERJA KEUANGAN BUMN SEKTOR ENERGI Dzulfikar Kharisma; Sri Yani Kusumastuti
Media Ekonomi Vol. 30 No. 2 (2022): Oktober
Publisher : Lembaga Penerbit Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/me.v30i2.10684

This study aims to analyze the impact of macroeconomic variables changes on the financial performance of energy SOE’s such as PT Pertamina (Persero), PT Perusahaan Gas Negara (Persero) Tbk, PT Perusahaan Listrik Negara (Persero). These impacts are projected by using Macro Stress Test model. The results showed that from five macroeconomic variables (GDP Growth, exchange rates, oil price, interest rates, and inflation), only two variables that significantly affected the financial performance of the energy SOE’s, there are exchange rate and oil prince that have positive impact on Pertamina and PGN while at the same time give the negative impact on PLN.

DETERMINASI TINGKAT KEMANDIRIAN FISKAL 62 KABUPATEN TERTINGGAL DI INDONESIA Nurhayati; Sri Yani Kusumastuti; Nur Hidayatullah; Agustina Suparyati
Media Ekonomi Vol. 30 No. 2 (2022): Oktober
Publisher : Lembaga Penerbit Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/me.v30i2.14986

This study aims to see the determination of regional fiskal independence in 62 underdeveloped districts in Indonesia. This research data was obtained from secondary with a sample of 62 underdeveloped districts in Indonesia from the period 2014-2019. This research uses a Multiple Linear Regression analysis tool with panel data. The test results show that those that have a sign that is in accordance with expectations and statistically significant are economic growth and local revenue with an error rate of 5%, then H1 and H3 are accepted. While the poverty rate has no effect on the fiscal independence of 62 underdeveloped districts in Indonesia, H2 is rejected. The results of this study are expected to contribute to research on regional development and sustainable development in Indonesia, especially for studies on how to reduce the backwardness of districts in Indonesia.

ANALYSIS OF THE EFFECTIVENESS OF THE MONETARY POLICY TRANSMISSION CHANNEL IN INDONESIA WITH A SINGLE TARGET OF INFLATION FOR THE PERIOD 2016:08 - 2022:12 Putri Fadilah; Sri Yani Kusumastuti
Media Ekonomi Vol. 31 No. 2 (2023): Oktober
Publisher : Lembaga Penerbit Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/me.v31i2.18526

The purpose of this study is to determine The Monetary Policy Transmission Channel In Indonesia With A Single Target of Inflation For The Period 2016:08 - 2022:12. The research method used the Vector Error Correction Model (VECM) for the period August 2016 until December 2022. This study uses secondary data from the Indonesian Central Statistics Agency (BPS) and CEIC (a company providing financial and macroeconomic indicator data). The results of this study show that inflation responses to the shock of variables in the Monetary Channel, Interest Rate Channel, and Inflation Expectation Channel is not very much. Viewed from the result of the Impulse Response Test and Variance Decomposition, the three channels for monetary policy transmission (monetary channel, interest rate channel, and expectation channel) must be more effectively implemented in Monetary Policy decision-making in Indonesia. The interest rate channel is the most effective channel among the three channels. The results of the Impulse Response test and Variance Decomposition prove that inflation responses to the shock of variables in the Interest Rate channel are the strongest and have the least time lag and variance of those variables. The most suitable variable used for an operational target in an interest rate channel is BI-7-Days-Repo-Rate (BI7DR). Based on comparation of the other two variables (deposit rate and interbank money market rate), the results of the Impulse Response test and Variance Decomposition show that BI7DR shock obtains strong and quick inflation responses.

FAKTOR- FAKTOR YANG MEMPENGARUHI KEPUTUSAN PEMBELIAN TERHADAP PRODUK ASURANSI KESEHATAN Intan Afriyani; Nurhayati; Sri Yani Kusumastuti
Jurnal Ekonomi Trisakti Vol. 3 No. 1 (2023): April
Publisher : Lembaga Penerbit Fakultas EKonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/jet.v3i1.15407

Penelitian ini bertujuan untuk menguji pengaruh harga, promosi, pelayanan dan proses terhadap keputusan pembelian produk asuransi. Metode yang digunakan adalah penelitian yang menjelaskan hubungan antar variabel penelitian dengan menguji hipotesis. Sampel dalam penelitian ini berjumlah 100 responden. Penelitian ini menjelaskan dan menguji hubungan antara variabel bebas berupa tingkat harga, promosi, pelayanan, dan proses, dan variabel terikat terhadap keputusan pembelian. Penelitian ini merupakan penelitian kuantitatif dan kuesioner kemudian dikumpulkan dan diolah menggunakan Structural Equation Modeling (SEM) berbasis varian. Hasil penelitian menunjukkan bahwa variabel harga dan variabel pelayanan tidak berpengaruh terhadap keputusan pembelian. Sedangkan variabel promosi dan variabel proses berpengaruh terhadap keputusan pembelian produk asuransi kesehatan. This study aims to examine the effect of price, promotion, service and process on purchasing decisions of insurance products. The method used is research that explains the relationship between research variables by testing hypotheses. The sample in this study amounted to 100 respondents. This study explains and examines the relationship between the independent variables in the form of price levels, promotions, services, and processes, and the dependent variable on purchasing decisions. This research is a quantitative research and questionnaires are then collected and processed using variant-based Structural Equation Modeling (SEM). The results showed that the price variable and service variable had no effect on purchasing decisions. Meanwhile, promotion variables and process variables affect purchasing decisions for health insurance products.

Determinants Of Indonesian Coal Exports Volume: Autoregressive Distributed Lag (Ardl) Approach Ego Bagas Anugerah Pratama; Dini Hariyanti; Sri Yani Kusumastuti
Asian Journal of Management, Entrepreneurship and Social Science Vol. 2 No. 04 (2022): November,Asian Journal of Management, Entrepreneurship and Social Science
Publisher : Cita Konsultindo Research Center

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

The objective of this research was to analyze the short and long-term effect of Indonesia coal production levels, Coal Reference Prices (HBA), real exchange rates, China’s Manufacturing Purchasing Managers Index (PMI), Indonesia’s Manufacturing PMI, prices of biofuels (BBN) on Indonesia's coal export volume in the period of 2015 to 2021. This research used the Multiple Regression Method with the Autoregressive Distributed Lag (ARDL) model. The data used was monthly time series data for the period of August 2015 to August 2021. In the short term (1) the variable of coal production level has a significant positive effect on the volume of coal exports. (2) the real exchange rate variable has a significant negative effect on the coal exports volume. (3) the Indonesian manufacturing PMI variable has no significant effect on the coal exports volume. Whereas in the long term it showed that (1) the coal production level has a significant positive effect on the coal exports volume (2) the reference coal price has a significant positive effect on the coal exports volume. (3) The real exchange rate variable, the Indonesian manufacturing PMI, the Chinese Manufacturing PMI, and the price of biofuel have no significant effect on the Indonesian coal exports volume.

Hubungan Antara Pertumbuhan Ekonomi dan Ketimpangan Pendapatan di Jawa Tengah Purba, Samuel Fery; Kusumastuti, Sri Yani; Pradana, Rizqi Haedzar; Simandjorang, Bonataon MT Vincent
Inovasi Vol 21 No 1 (2024): JURNAL INOVASI VOL. 21 NO. 1 MEI 2024
Publisher : Badan Penelitian dan Pengembangan Provinsi Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33626/inovasi.v21i1.779

Tujuan penelitian yaitu mengetahui dan mengkaji hubungan timbal balik pertumbuhan ekonomi dan ketimpangan pendapatan di Jawa Tengah. Data sekunder penelitian diperoleh dari Badan Pusat Statistik, Badan Koordinasi Penanaman Modal, dan Direktorat Jenderal Perimbangan Keuangan. Metode penelitian menggunakan model persamaan simultan Two-Stage Least Square (2SLS) dengan jangka waktu tahun 2002-2020. Temuan penelitian ini menunjukkan bahwa hanya terdapat hubungan satu arah yaitu pertumbuhan ekonomi berpengaruh signifikan terhadap penurunan ketimpangan pendapatan. Selain itu, investasi tidak berpengaruh signifikan terhadap pertumbuhan ekonomi, sedangkan pendapatan asli daerah berpengaruh signifikan terhadap pertumbuhan ekonomi di Jawa Tengah. Di sisi lain, upah minimum provinsi dan indeks pembangunan manusia berpengaruh signifikan terhadap penurunan ketimpangan pendapatan. Tetapi konsumsi pemerintah tidak berpengaruh terhadap penurunan ketimpangan pendapatan di Jawa Tengah.

Co-Authors Abitur Asianto Agrevinna Beatrice Agustina Suparyati Agustina Suparyati, Agustina Akmal, Makarimal Amrie Firmansyah Anna S. N. Dasril Audrey Alviona Ribuna Kaban Bayu Sedih Nanda Ria Carissa Vania Dini Hariyanti Dzulfikar Kharisma Ego Bagas Anugerah Pratama Eleonora Sofilda Endrawati Fatimah, Endrawati Erista Nurfianingrum Fadilah, Putri Fadilla, Meita Indah Fajrig Arsyelan Haedzar P, Rizqi Hangga Filardikh Bachtiar Haznil Zainal Hermansyah Hermansyah Ika Kristina Intan Afriyani Irma Agustiani Justin, Justin Kharisma, Dzulfikar Khirstina Curry Lavli Matria Esya Marwansyah Marwansyah Mia Amelia Mirna Albertina Wijaja Nidya Khaeruni Nur Hidayatullah Nur Hidayatullah Nurhafifah Amalina Nurhayati Nurhayati Pardomuan Sihombing, Pardomuan Pradana, Rizqi Haedzar Prakosa Andiantyo Purba, Samuel Fery Putri Fadilah Putri, Risza Estuning Puspita Raden Mohamad Herdian Bhakti Raden Rudi Alhempi Simandjorang, Bonataon MT Vincent Sumiyarti Syafri Taureni Hayati Teresia Perpetua Kota Tia Anggraini Yulyanah Yulyanah

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