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The Realization of Village, Education, and Health Funds to Reduce Poverty in Eastern Indonesia Tamba, Helena Louisa Andriani; Shen, Ming; Nugraheni, Siwi; Sigiro, Ely Elprida; Nafisa, Ferinda
EKO-REGIONAL Vol 19, No 2 (2024)
Publisher : Jurusan Ilmu Ekonomi dan Studi Pembangunan Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/1.erjpe.2024.19.2.4503

Abstract

Village funds are used to improve the welfare of rural communities and develop various regions in Indonesia, including the 3T (frontier, remote, and disadvantaged) areas in Eastern Indonesia. Therefore, this study uses the Panel Least Square method to see the consequence of village, education, and health funds on poverty levels, especially in 7 provinces in Eastern Indonesia using yearly data 2017 - 2022. The realization of village funds, education funds, and health funds are used as independent variables, while the percentage of poor people is used as a dependent variable. The study results show that village fund and health fund significantly reduce poverty rates in Eastern Indonesia. Meanwhile, the education fund did not significantly reduce poverty in Eastern Indonesia. Although village and health funds can reduce poverty in Eastern Indonesia, the government should prioritize improving the education level of the region's people to significantly alleviate poverty.
Membangun Kemandirian Finansial Keluarga: Strategi dan Praktik Pengelolaan Keuangan Rumah Tangga bagi Perempuan di Limo, Depok Fadila, Ardhiani; Sholihah, Dienni Ruhjatini; Nugraheni, Siwi
BERNAS: Jurnal Pengabdian Kepada Masyarakat Vol. 6 No. 1 (2025)
Publisher : Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/jb.v6i1.12095

Abstract

Pengelolaan keuangan yang baik merupakan kunci kesejahteraan rumah tangga, khususnya di kalangan ibu rumah tangga yang memegang peranan penting dalam mengelola anggaran keluarga. Berangkat dari pemahaman ini, kegiatan pengabdian kepada masyarakat dengan tema "Pengelolaan Keuangan Rumah Tangga" dilaksanakan untuk meningkatkan literasi keuangan perempuan di Limo, Depok. Tujuan utama dari kegiatan ini adalah untuk memberikan edukasi keuangan kepada kelompok pengajian perempuan, sehingga mereka dapat mengelola keuangan keluarga dengan lebih baik. Metode yang digunakan meliputi ceramah, diskusi kelompok, dan kuesioner, yang dirancang untuk mengidentifikasi tingkat pemahaman finansial peserta. Hasil dari kegiatan ini menunjukkan bahwa sebagian besar peserta berada pada kategori pemahaman keuangan 'Minim' dan 'Kurang', menandakan kebutuhan mendesak untuk pendidikan keuangan yang lebih intensif. Kegiatan ini berhasil memberikan wawasan dan alat praktis bagi peserta untuk memperbaiki dan mengembangkan pengelolaan keuangan mereka
Faktor-faktor yang Mempengaruhi Minat Berinvestasi Saham Syariah Ratmojoyo, Yusuf Satrio; Supriyanto, Trisiladi; Nugraheni, Siwi
Etihad: Journal of Islamic Banking and Finance Vol. 1 No. 2 (2021)
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1316.407 KB) | DOI: 10.21154/etihad.v1i2.3236

Abstract

The purpose of this research to analyze the effect of financial literacy, risk, investment psychology, and social media on the investment interest of the people of Jakarta in Islamic stocks. The sample used in this study uses one hundred people who will represent the entire population. Data collection in this study was carried out using a questionnaire distributed by the purposive sampling technique. The statistical methods used are descriptive statistical analysis, classical assumptions, multiple linear regression, validity and reliability, and hypotheses using SPSS Statistics 23 application as a data processor. The results of this study are the influence of the independent variables simultaneously on the interest in investing in Islamic stocks. However, in a partial test, only financial literacy, risk, and investment psychology factors have a significant influence on interest in investing in Islamic stocks, while social media factors do not have a significant influence on interest in investing in Islamic stocks.Tujuan penelitian ini untuk menganalisis pengaruh literasi keuangan, risiko, psikologi investasi, dan media sosial terhadap minat berinvestasi masyarakat Jakarta pada saham syariah. Sampel yang digunakan berjumlah seratus orang yang mewakili seluruh populasi. Pengumpulan data penelitian dilakukan dengan menggunakan kuesioner yang disebar dengan teknik purposive sampling. Metode statistik yang digunakan adalah analisis statistik deskriptif, asumsi klasik, regresi linier berganda, validitas dan reliabilitas, serta hipotesis dengan menggunakan alat bantu berupa aplikasi SPSS Statistics 23 sebagai pengolah data. Hasil penelitian menunjukkan adanya pengaruh variabel bebas secara bersamaan terhadap minat berinvestasi saham syariah. Akan tetapi pada pengujian secara parsial, hanya faktor literasi keuangan, risiko, dan psikologi investasi yang memiliki pengaruh signifikan terhadap minat berinvestasi saham syariah, sedangkan faktor media sosial tidak memiliki pengaruh yang signifikan terhadap minat berinvestasi saham syariah.
Implementasi Restrukturisasi Murabahah di Masa Pandemi Covid-19 pada Bank BJB Syariah KCP Bogor Baity, Riesha Mawarni; Supriyanto, Trisiladi; Nugraheni, Siwi
Etihad: Journal of Islamic Banking and Finance Vol. 1 No. 2 (2021)
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1158.51 KB) | DOI: 10.21154/etihad.v1i2.3246

Abstract

The purpose of this study was to determine the implementation of murabaha financing restructuring at Bank BJB Syariah Bogor Branch and the implementation of financing restructuring based on POJK Number 48/POJK.03/2020 and DSN MUI Fatwa Number 47,47,49/DSN -MUI/II/2005 at Bank BJB Syariah Bogor Branch. This study uses qualitative research with a case study approach using data collection techniques through observation, interviews with three informants, and documentation of related parties from the Bank BJB Syariah Bogor branch. The results showed that the practice of restructuring murabaha financing at Bank BJB Syariah KCP Bogor was carried out as an effort to save non-performing financing. The implementation of restructuring when viewed from POJK, especially POJK 48 shows several important points that must be considered by banks. Bank BJB Syariah KCP Bogor, has guidelines for determining debtors affected by COVID-19. In addition, the implementation of the restructuring takes into account the DSN MUI Fatwa No. 47,48,49, regarding the settlement of problematic murabaha financing, the absence of additional costs, and the conversion of the contract.Tujuan penelitian ini adalah untuk mengetahui implementasi restrukturisasi pembiayaan murabahah pada Bank BJB Syariah cabang Bogor dan implementasi restrukturisasi pembiayaan berdasarkan POJK Nomor 48/POJK.03/2020 dan Fatwa DSN MUI No. 47,47,49/DSN-MUI/II/2005 di Bank BJB Syariah cabang Bogor. Penelitian ini menggunakan jenis penelitian kualitatif dengan pendekatan studi kasus menggunakan teknik pengumpulan data melalui observasi, wawancara dengan tiga informan dan dokumentasi terhadap pihak yang terkait dari Bank BJB Syariah cabang Bogor. Hasil dari penelitian menunjukkan bahwa praktek restrukturisasi pembiayaan murabahah di Bank BJB Syariah KCP Bogor dijalankan sebagai upaya penyelamatan pembiayaan yang bermasalah. Pelaksanaan restrukturisasi jika ditinjau dari POJK, khususnya POJK 48 menunjukkan beberapa poin penting yang harus diperhatikan oleh perbankan. Bank BJB Syariah KCP Bogor, memiliki pedoman untuk menetapkan debitur yang terdampak COVID-19. Selain itu pelaksanaan restrukturisasi memperhatikan Fatwa DSN MUI No 47,48,49, mengenai penyelesaian pembiayaan murabahah  bermasalah, tidak adanya tambahan biaya dan konversi akad.
The Realization of Village, Education, and Health Funds to Reduce Poverty in Eastern Indonesia Tamba, Helena Louisa Andriani; Shen, Ming; Nugraheni, Siwi; Sigiro, Ely Elprida; Nafisa, Ferinda
Eko-Regional: Jurnal Pembangunan Ekonomi Wilayah Vol 19 No 2 (2024): September 2024
Publisher : Faculty of Economics and Business Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/er.v19i2.15032

Abstract

Village funds are used to improve the welfare of rural communities and develop various regions in Indonesia, including the 3T (frontier, remote, and disadvantaged) areas in Eastern Indonesia. Therefore, this study uses the Panel Least Square method to see the consequence of village, education, and health funds on poverty levels, especially in 7 provinces in Eastern Indonesia using yearly data 2017-2022. The realization of village funds, education funds, and health funds are used as independent variables, while the percentage of poor people is used as a dependent variable. The study results show that village fund and health fund significantly reduce poverty rates in Eastern Indonesia. Meanwhile, the education fund did not significantly reduce poverty in Eastern Indonesia. Although village and health funds can reduce poverty in Eastern Indonesia, the government should prioritize improving the education level of the region's people to significantly alleviate poverty.
The Realization of Village, Education, and Health Funds to Reduce Poverty in Eastern Indonesia Tamba, Helena Louisa Andriani; Shen, Ming; Nugraheni, Siwi; Sigiro, Ely Elprida; Nafisa, Ferinda
Eko-Regional: Jurnal Pembangunan Ekonomi Wilayah Vol 19 No 2 (2024): September 2024
Publisher : Faculty of Economics and Business Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/er.v19i2.15032

Abstract

Village funds are used to improve the welfare of rural communities and develop various regions in Indonesia, including the 3T (frontier, remote, and disadvantaged) areas in Eastern Indonesia. Therefore, this study uses the Panel Least Square method to see the consequence of village, education, and health funds on poverty levels, especially in 7 provinces in Eastern Indonesia using yearly data 2017-2022. The realization of village funds, education funds, and health funds are used as independent variables, while the percentage of poor people is used as a dependent variable. The study results show that village fund and health fund significantly reduce poverty rates in Eastern Indonesia. Meanwhile, the education fund did not significantly reduce poverty in Eastern Indonesia. Although village and health funds can reduce poverty in Eastern Indonesia, the government should prioritize improving the education level of the region's people to significantly alleviate poverty.
The Realization of Village, Education, and Health Funds to Reduce Poverty in Eastern Indonesia Tamba, Helena Louisa Andriani; Shen, Ming; Nugraheni, Siwi; Sigiro, Ely Elprida; Nafisa, Ferinda
EKO-REGIONAL Vol 19 No 2 (2024)
Publisher : Jurusan Ilmu Ekonomi dan Studi Pembangunan Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/1.erjpe.2024.19.2.4503

Abstract

Village funds are used to improve the welfare of rural communities and develop various regions in Indonesia, including the 3T (frontier, remote, and disadvantaged) areas in Eastern Indonesia. Therefore, this study uses the Panel Least Square method to see the consequence of village, education, and health funds on poverty levels, especially in 7 provinces in Eastern Indonesia using yearly data 2017 - 2022. The realization of village funds, education funds, and health funds are used as independent variables, while the percentage of poor people is used as a dependent variable. The study results show that village fund and health fund significantly reduce poverty rates in Eastern Indonesia. Meanwhile, the education fund did not significantly reduce poverty in Eastern Indonesia. Although village and health funds can reduce poverty in Eastern Indonesia, the government should prioritize improving the education level of the region's people to significantly alleviate poverty.
Rupiah Exchange Rate Fluctuations in The US Dollar, Purchasing Power Parity Theory and Fisher Effect Theory Testing Pangestuti, Dewi Cahyani; Fadila, Ardhiani; Nugraheni, Siwi
Nominal: Barometer Riset Akuntansi dan Manajemen Vol. 11 No. 1 (2022): Nominal April 2022
Publisher : Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/nominal.v11i1.42982

Abstract

Abstract: Rupiah Exchange Rate Fluctuations in The US Dollar, Purchasing Power Parity Theory and Fisher Effect Theory Testing.  To test the accuracy of the power purchasing parity theory and the international fisher effect theory on fluctuations in the Rupiah exchange rate against the United States Dollar. The goal of this study is to examine if the power purchasing parity theory and the international fisher effect theory are valid when it comes to Rupiah-US Dollar exchange rate movements. The purpose of this research is to figure out the rate of inflation, interest rate, and movement of the rupiah against the US dollar. This research examined historical data on the rupiah exchange rate against the US dollar, interest rates, and inflation rates in Indonesia and the United States from January 2015 through December 2020. In this research, multiple linear regression analysis was used. Research proved that the theory of power purchasing parity applies to changes in the Indonesian rupiah exchange rate on the US dollar. The international fisher effect does not apply to changes in the Indonesian Rupiah currency rate against the US dollar, which proves the existence of theoretical deviations that result in the invalidity of this theory.Keywords: purchasing power parity, international fisher effect, exchange rateAbstrak: Fluktuasi Nilai Tukar Rupiah dalam Dollar US, Pengujian Teori Paritas Daya Beli dan Teori Fisher Efek. Tujuan dari penelitian ini adalah untuk menguji keakuratan volatilitas nilai tukar rupiah terhadap dolar AS dalam teori paritas daya beli (PPP) dan teori dampak fisher internasional. Variabel dalam penelitian ini adalah inflasi, suku bunga, dan pergerakan nilai tukar rupiah terhadap dolar AS. Data yang digunakan dalam penelitian adalah data historis nilai tukar Rupiah terhadap dolar Amerika Serikat dan tingkat suku bunga Indonesia dan Amerika Serikat serta tingkat inflasi dari bulan Januari 2015 sampai dengan Desember 2020. Metode dalam penelitian adalah: Analisis regresi linier berganda. Penelitian membuktikan bahwa teori power purchasing parity berlaku pada perubahan kurs mata uang Rupiah Indonesia pada Dollar Amerika Serikat.  Teori internasional fisher effect tidak berlaku berlaku pada perubahan kurs mata uang Rupiah Indonesia pada Dollar Amerika Serikat, yang membuktikan adanya penyimpangan teori yang mengakibatkan tidak berlakunya teori ini.Kata kunci: paritas daya beli, internasional efek fisher, perubahan kurs
Correlation Among Dividend Policy and Market Value of Equity In Banking Industry: A Residual Income Approach Fadila, Ardhiani; Nugraheni, Siwi; Utami, Kery
Nominal: Barometer Riset Akuntansi dan Manajemen Vol. 12 No. 1 (2023): Nominal April 2023
Publisher : Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/nominal.v12i1.54284

Abstract

ABSTRACTThis research aims to examine the correlation between dividend payment and the market value of equity of banking firms in the Indonesia Stock Exchange-listed company. The sample includes firms focused on the banking sector period between 2011 to 2020. This study employs the residual income approach based on Ohlson's (1995) valuation model. The models are tested using panel regression analysis. Moreover, additional tests are used to ensure the main results. The finding shows that dividend payment has an insignificant effect on the market value of equity. The analysis states that the use of Ohlson's (1995) model and the firm's book value are statistically significant factors in determining the market value of equity. The study suggests that the dividend irrelevance hypothesis is valid in the case of banking firms on IDX. This paper encourages empirical evidence about the relationship between dividend payment and market value on Indonesia Stock Exchange, more importantly, in the banking firms.Keywords: Dividend Policy, Market Value, Residual IncomeABSTRAKTujuan penelitian ini untuk mengetahui korelasi antara pembayaran dividen dan nilai pasar saham pada perusahaan perbankan di Bursa Efek Indonesia. Sampel penelitian ini berfokus pada perusahaan perbankan selama periode 2011 sampai 2020. Penelitian ini menggunakan pendekatan residual income oleh model valuasi Ohlson's (1995). Model penelitian menggunakan analsis regresi panel. Selanjutnya, pengujian tambahan dilakukan untuk memastikan hasil pengujian utama. Temuan penelitian menunjukan bahwa pembayaran dividen tidak memiliki pengaruh terhadap nilai pasar saham. Hasil analisis menyatakan model Ohlson's (1995) dan nilai buku perusahaan secara statistik berpengaruh terhadap faktor penentu nilai pasar saham. Penelitian ini membuktikan teori ketidakrelevanan dividen berlaku dalam kasus perusahaan perbankan di BEI. Studi ini mendorong bukti empiris mengenai hubungan antara pembayaran dividen dan nilai pasar di BEI, khususnya pada perusahaan bank.Kata Kunci: Kebijakan Dividen, Laba Sisa, Nilai Pasar