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All Journal EkoBis: Jurnal Ekonomi & Bisnis Benchmark Bharanomics Journal Research of Social Science, Economics, and Management Eduvest - Journal of Universal Studies Journal of Economic Education and Entrepreneurship Studies
Anggraeni Rahmasari
Universitas Bhayangkara Surabaya
Aerospace Engineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Health Professions Neuroscience Social Sciences Other

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Pengaruh Kualitas Aktiva Produktif, Non Perfoming Financing, Pembiayaan Terhadap Bagi Hasil Tabungan Mudharabah di BPRS Karya Mugi Sentosa Vecentia Yolanda Rusbandi; Anggraeni Rahmasari; Abdul Fattah
EkoBis: Jurnal Ekonomi & Bisnis Vol 1, No 2: Desember 2020
Publisher : Universitas Bhayangkara Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46821/ekobis.v1i2.30

Abstract

Kondisi Keuangan di Indonesia berpengaruh terhadap perbankan. Perkembangan perbankan yang mencengangkan di akhir ini banyak menyimpan masalah. Salah satunya masalah likuiditas yang diderita sebagian besar bank. Kualitas aktiva produktif merupakan rasio antara aktiva produktif yang didiskualifikasikan (APYD) terhadap total aktiva produktif pada sistem bagi hasil. Penelitian yang dilakukan dengan mengambil sampel dari populasi dan  menggunakan kuesioner sebagai alat pengumpulan data. Pelaksanaan penelitian dilakukan dengan cara peneliti bertemu langsung dengan responden. Dalam penilitian ini pendekatan yang digunakan adalah pendekatan kuantitatif. Data penelitian berasal dari data primer yang berasal langsung dari para responden dengan pengujian data menggunakan pengujian validitas, reliabilitas, dan uji hipotesis. Hasil ini diuji menggunakan SPSS for windows. Hasil penelitian menunjukan bahwa secara simultan aktiva produktif yang didiskualifikasikan, non perfoming financing, pertumbuhan pembiayaan berpengaruh terhadap bagi hasil produk tabungan mudharabah.
Pengaruh Gaya Kepemimpinan, Komunikasi dan Disiplin Kerja terhadap Kinerja Karyawan pada CV. Bintang Tex Indonesia Wardha Firdailla; Enny Widyaningrum; Anggraeni Rahmasari
Benchmark Vol 1, No 2: April 2021
Publisher : Universitas Bhayangkara Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46821/benchmark.v1i2.150

Abstract

The purpose of this study was to determine and analyze whether the variables of leadership style, communication, and work discipline simultaneously and partially affect the performance of employees of CV. Bintang Tex Indonesia. And to find out which variables of leadership style, communication and work discipline that influence dominantly on the performance of employees of CV. Bintang Tex Indonesia. Hypothesis testing is done based on quantitative tests with statistical test equipment, measuring variables using a Likert scale type by distributing questionnaires. The population in this study were the employees of CV. Bintang Tex Indonesia. The sampling technique is done by using the saturation sampling technique. The sample of this study was 60 people. The data technique uses multiple linear regression. After conducting research and analysis it can be concluded that the leadership style, communication and work discipline variables have a significant and partial effect on employee performance on the CV. Bintang Tex Indonesia. While the dominant results are based on the beta coefficient value of each leadership style variable (X1) 0.181, communication (X2) 0.509, and work discipline (X3) 0.296. Then the communication variable (X2) dominant effect on employee performance CV. Bintang Tex Indonesia.
PERAN BADAN USAHA MILIK DESA (BUMDES) DALAM MENINGKATKAN POTENSI DAN KESEJAHTERAAN MASYARAKAT DESA (Studi Pada BUMDes Sumber Sejahtera, Desa Pujonkidul, Kecamatan Pujon, Kabupaten Malang, Jawa Timur) Elma Lazuardiah; Mohammad Balafif; Anggraeni Rahmasari
Bharanomics Vol 1, No 1: September 2020
Publisher : Universitas Bhayangkara Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46821/bharanomicss.v1i1.12

Abstract

Badan Usaha Milik Desa adalah badan usaha yang didirikan oleh Pemerintah Desa dengan modal awal bersumber dari APB Des untuk mendayagunakan segala potensi ekonomi, kelembagaan perekonomian serta potensi sumber daya alam dan sumber daya manusia dalam rangka meningkatkan kesejahteraan masyarakat desa. Penelitian ini bertujuan untuk mengetahui peran BUMDes dalam mendayagunakan potensi ekonomi lokal dengan beragam potensi yang dimiliki desa guna meningkatkan kesejahteraan ekonomi masyarakat desa serta mendorong peningkatan pendapatan asli desa. Penelitian ini bersifat lapangan, Teknik pengumpulan data yang digunakan dalam penelitian ini adalah teknik triangulasi (observasi, wawancara dan dokumentasi). Metode penelitian ini menggunakan metode penelitian kualitatif deskriptif. Hasil dari penelitian ini adalah Peran BUMDes Sumber Sejahtera dalam meningkatkan potensi dan kesejahteraan ekonomi masyarakat di Desa Pujonkidul melalui program dan unit usahanya dapat membuka lapanagan pekerjaan baru untuk warga, meningkatkan pendapatan masyarakat serta mendorong peningkatan PAD Desa.
Pengaruh Gaya Kepemimpinan, Disiplin Kerja, dan Perilaku Kewarganegaraan Organisasi terhadap Kinerja Karyawan pada Balai Besar Pelaksanaan Jalan Nasional Jawa Timur - Bali Olivia Deseria Putri Setyawan; Sutopo Sutopo; Anggraeni Rahmasari
Benchmark Vol 4, No 1: September 2023
Publisher : Universitas Bhayangkara Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46821/benchmark.v4i1.389

Abstract

Penelitian ini bertujuan untuk menguji pengaruh Gaya Kepemimpinan, Disiplin Kerja, dan Perilaku Kewarganegaraan Organisasi terhadap Kinerja Karyawan di Balai Besar Pelaksanaan Jalan Nasional Jawa Timur – Bali. Setidaknya 80 responden berpartisipasi dalam studi kuantitatif ini, menggunakan metode pengambilan sampel yang komprehensif (sensus). Data dianalisis menggunakan perangkat lunak SPSS versi 24.0, melibatkan evaluasi seperti Uji Normalitas, Uji Validitas, Uji Reliabilitas, Regresi Linear Berganda, Koefisien Determinasi, Uji F, Uji t, dan Uji Dominan. Hasil penelitian menunjukkan bahwa secara bersama-sama (Uji F), Gaya Kepemimpinan, Disiplin Kerja, dan Perilaku Kewarganegaraan Organisasi memiliki pengaruh signifikan terhadap Kinerja Karyawan. Pada pemeriksaan individu (Uji t), Gaya Kepemimpinan, Disiplin Kerja, dan Perilaku Kewarganegaraan Organisasi masing-masing berkontribusi secara signifikan terhadap Kinerja Karyawan, dengan Disiplin Kerja muncul sebagai faktor dominan, sebagaimana ditunjukkan oleh hasil sebesar 0,490.
Employee Engagement as an Intervening Variable in the Relationship Between Work-Life Balance and Employee Retention in Indonesian Digital Startups Indah Noviandari; Anggraeni Rahmasari; Nurul Imamah; Elly Yuniar Nitawati
Journal of Economic Education and Entrepreneurship Studies Vol. 6 No. 2 (2025)
Publisher : Department of Economics Education, Faculty of Economics, Universitas Negeri Makassar

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

Abstract

This study examines the mediating role of employee engagement in the relationship between work-life balance and employee retention among digital startup employees in Surabaya, Indonesia. Using a quantitative associative approach with Structural Equation Modeling-Partial Least Squares (SEM-PLS), data were collected from 150 respondents working in various digital startups through purposive sampling. The research employed validated instruments measuring work-life balance, employee engagement, and employee retention using a 5-point Likert scale. Results demonstrate that work-life balance has a positive and significant direct effect on employee retention (β = 0.30, p < 0.001) and employee engagement (β = 0.50, p < 0.001). Employee engagement also significantly influences employee retention (β = 0.30, p < 0.001). Furthermore, employee engagement partially mediates the relationship between work-life balance and employee retention with an indirect effect of 0.15 (p = 0.002). The model explains 46.8% of the variance in employee retention and demonstrates adequate predictive relevance (Q² = 0.312). These findings indicate that while work-life balance directly contributes to employee retention, its effect is enhanced through increased employee engagement. The study contributes to human resource management literature by highlighting the importance of integrating work-life balance policies with engagement enhancement strategies in the dynamic startup environment. Practical implications suggest that digital startups should focus on creating flexible work arrangements while simultaneously fostering emotional and psychological attachment to improve talent retention in Indonesia's competitive tech sector.
Peran Dinas Pemberdayaan Perempuan, Perlindungan Anak dan Kependudukan Provinsi Jawa Timur dalam Pembinaan Perempuan Pengemudi Ojek Online di Kota Surabaya Eli Ismayanti; Mohammad Balafif; Anggraeni Rahmasari
Bharanomics Vol. 6 No. 2: April 2026
Publisher : Universitas Bhayangkara Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46821/bharanomics.v6i2.830

Abstract

Penelitian ini merupakan penelitian yang dilakukan dengan upaya Dinas Pemberdayaan Perempuan, Perlindungan Anak dan Kependudukan (DP3Ak) Provinsi Jawa Timur kepada pengemudi ojek online di Kota Surabaya. Peranan dinas terkait dalam melakukan pembinaan keahlian seperti kelas tata rias dan pelatihan olah makanan. Selain itu, pendekatan triangulasi digunakan dalam proyek penelitian ini beserta prosedur yang diikuti, yaitu pengumpulan data/dokumen; melakukan wawancara; dan menganalisis data yang terkumpul. Penelitian dilakukan di Dinas Pemberdayaan Perempuan, Perlindungan Anak, dan Kependudukan (DP3Ak) Provinsi Jawa Timur. Temuan studi tersebut menunjukkan bahwa pertumbuhan Gaspol, atau gerakan untuk mendukung perempuan pengemudi ojek online, memberikan dampak positif bagi para pengemudi tersebut.
The Effects of Economic Growth, The Minimum Wage, and the Unemployment Rate on the Number of People Living in Poverty in East Java, 2020–2024 Anggraeni Rahmasari; Fatihul Khoir; Indah Noviandari; Adisty Amanda Putri
Eduvest - Journal of Universal Studies Vol. 6 No. 7 (2026): Eduvest - Journal of Universal Studies
Publisher : Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/eduvest.v6i7.53402

Abstract

This study aimed to analyze the partial and simultaneous effects of economic growth, minimum wages, and unemployment rates on the number of people living in poverty in East Java Province from 2020 to 2024, as well as to identify the dominant variables influencing poverty levels. This research employed a quantitative approach using secondary data obtained from the Central Statistics Agency of East Java Province. The data consisted of information related to the number of people living in poverty, economic growth, minimum wages, and unemployment rates during the 2020–2024 period. The results of the partial testing (t-test) showed that the economic growth variable, measured by Gross Regional Domestic Product (GRDP), did not have a significant effect on the number of people living in poverty in East Java Province during the study period, with a significance value of 0.508, which was greater than the 0.05 significance level. In contrast, the minimum wage variable (Upah Minimum Provinsi or UMP) and the open unemployment rate variable (Tingkat Pengangguran Terbuka or TPT) had significant effects on poverty levels, with significance values of 0.017 and 0.007, respectively, which were below the 0.05 threshold. Meanwhile, the results of the simultaneous testing (F-test) indicated that economic growth (GRDP), minimum wages (UMP), and open unemployment rates (TPT) collectively had a significant effect on the number of people living in poverty in East Java Province during the 2020–2024 period, with a significance value of 0.029, which was lower than 0.05.
A Self-Reliance Empowerment Strategy to Improve the Well-Being of the Fishing Community in Kranji Village, Paciran, Lamongan Anggraeni Rahmasari; Indah Noviandari
Journal Research of Social Science, Economics, and Management Vol. 5 No. 9 (2026): Journal Research of Social Science, Economics, and Management
Publisher : Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jrssem.v5i9.1432

Abstract

The welfare of fishing communities in Kranji Village, Paciran, Lamongan, is strongly influenced by seasonal conditions, limited human resources, and dependence on traditional fishing methods. These conditions contribute to low productivity, unstable income, and continued reliance on middlemen for capital, which ultimately hinders community independence. Therefore, a self-reliance empowerment strategy is needed to improve the socio-economic conditions of the fishing community. This study aims to analyze the implementation of self-reliance empowerment strategies and identify the obstacles faced in improving the welfare of the fishing community in Kranji Village. This research uses a qualitative approach with a descriptive design. Data were collected through in-depth interviews, observations, and documentation involving key informants, including fishermen, capital owners, and village officials. The analysis is based on the empowerment framework consisting of enabling, empowering, and protecting aspects. The results show that the empowerment strategy focuses on strengthening human resource capacity, diversifying productive businesses through fish processing, and providing group-based access to capital. These efforts contribute to improving economic independence, optimizing local potential, and expanding market access. However, the implementation still faces several obstacles, including low education levels, limited skills, dependence culture, lack of access to technology and information, and weak institutional support. The findings imply that sustainable empowerment requires not only financial assistance but also continuous mentoring, capacity building, and strengthening of local institutions. This study contributes both practically and academically by providing insights into
Pengaruh Jumlah Kunjungan Wisatawan, Jumlah Objek Wisata, dan Tingkat Hunian Hotel Terhadap Pendapatan Asli Daerah Kabupaten Mojokerto Tahun 2018-2023 Yeremia Abimanyu Puta Permadi; Nurul Imamah; Anggraeni Rahmasari
Bharanomics Vol. 6 No. 1: September 2025
Publisher : Universitas Bhayangkara Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46821/bharanomics.v6i1.760

Abstract

Penelitian ini bertujuan meneliti pengaruh Kunjungan Wisatawan, Jumlah Objek Wisata, dan Tingkat Hunian Hotel baik secara sendiri-sendiri maupun secara simultan terhadap Pendapatan Asli Daerah (PAD) Kabupaten Mojokerto tahun 2018-2023, serta pengaruh mana yang dominan. Penelitian ini menggunakan data pendapatan asli daerah Kabupaten Mojokerto tahun 2018-2023 sebagai bahan acuan analisis dan menggunakan metode analisis regresi linier berganda. Hasilnya adalah: (1) Kunjungan Wisatawan, Jumlah Daya Tarik Wisata, dan Tingkat Hunian Hotel secara parsial berpengaruh signifikan terhadap Pendapatan Asli Daerah Kabupaten Mojokerto. (2) Secara simultan berpengaruh signifikan terhadap Pendapatan Asli Daerah Kabupaten Mojokerto. (3) Variabel Tingkat Hunian Hotel merupakan variabel yang paling dominan mempengaruhi Pendapatan Asli Daerah Kabupaten Mojokerto, dibandingkan dengan variabel Kunjungan Wisatawan dan Jumlah Daya Tarik Wisata.
Pengaruh Tingkat Suku Bunga, Inflasi, dan Loan Deposit Rasio (LDR) Terhadap Kredit Pemilikan Rumah (KPR) pada Bank BTN di Indonesia Siti Khoti’ah; Anggraeni Rahmasari; Abdul Fattah
Bharanomics Vol. 6 No. 1: September 2025
Publisher : Universitas Bhayangkara Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46821/bharanomics.v6i1.762

Abstract

Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh tingkat suku bunga, inflasi, dan LDR terhadap kredit kepemilikan rumah (KPR) pada Bank BTN di Indonesia. Populasi dalam penelitian ini adalah semua Bank BTN yang berada di Indonesia pada tahun 2016-2024 dengan model triwulan. Alat analisis yang digunakan adalah SPSS 21. Data ini dianalisis dengan, Uji Asumsi Klasik, Regresi Linear Berganda, Uji koefisien Determinasi, Uji t, dan Uji f. Hasil penelitian ini membuktikan bahwa Suku Bunga, Inflasi, dan Loan to Deposit Ratio (LDR) berpengaruh secara simultan terhadap Kredit Kepemilikan Rumah (KPR)  pada Bank BTN. Secara parsial Suku Bunga dan Loan to Deposit Ratio (LDR) berpengaruh positif dan signifikan terhadap Kredit Kepemilikan Rumah (KPR), sedangkan Inflasi berpengaruh negatif dan signifikan terhadap Kredit Kepemilikan Rumah (KPR).
Co-Authors Abdul Fattah Abdul Fattah Adisty Amanda Putri Ayu Cahya Ningrum Eli Ismayanti Elly Yuniar Nitawati Elma Lazuardiah Enny Widyaningrum Fatihul Khoir Indah Noviandari Indah Noviandari Mohammad Balafif Nurul Imamah Olivia Deseria Putri Setyawan Siti Khoti’ah Sutopo Vecentia Yolanda Rusbandi Wardha Firdailla Yeremia Abimanyu Puta Permadi