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All Journal Jurnal Sosial Ekonomi Pertanian Jurnal Ilmiah Mahasiswa FEB JAM : Jurnal Aplikasi Manajemen Journal of Indonesian Applied Economics Indonesian Treasury Review: Jurnal Perbendaharaan, Keuangan Negara dan Kebijakan Publik INTEGRITAS : Jurnal Pengabdian Pekobis : Jurnal Pendidikan, Ekonomi, dan Bisnis Jurnal Abdi Insani Jurnal Pengabdian kepada Masyarakat Nusantara Jurnal Ekonomi Indonesia Jurnal Pengabdian Masyarakat Indonesia Asia Pacific Journal of Management and Education Journal of International Conference Proceedings Pena Dimas: Jurnal Pengabdian Masyarakat Journal of Development Economic and Social Studies (JDESS) Contemporary Studies in Economic, Finance and Banking (CSEFB) Islamic Economics and finance in Focus (IEFF)
Farah Wulandari Pangestuty
Department Of Economics, Faculty Of Economics And Businesss, Brawijaya University
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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The Effects of Digital Financial Literacy and Perceived Risks on the Decision to Use Digital Banks (A Case Study of Gen Z In Malang City) Simanjuntak, Lusiana Br; Pangestuty, Farah Wulandari
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 2 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2025.04.2.18

Abstract

The high public decision to use Digital Bank shows the public's acceptance of Digital Bank. Digital Banks are present to attract people's attention by offering interest rates that exceed the guarantee limit by LPS, so Digital Financial Literacy and Risk Perception are important before making a decision. This study aims to analyze how the influence of Digital Financial Literacy and Risk Perception on the Decision to Use Digital Banks among Gen Z in Malang City. This research is a survey-based quantitative method with primary data sources, namely questionnaires. Purposive sampling is a technique in sampling, where in this study, the Lemeshow formula was used so that 100 respondents were obtained. Binary Logistic Regression Analysis method is used in this study so that it is found that digital financial literacy has a positive effect on the decision to use digital banks and risk perception has a negative effect on the decision to use digital banks.
Impact of Fiscal Balance Fund Transfer Policies on Economic Growth Convergence in Indonesia Arfiyansyah, Sintong; Budi Santoso, Dwi; Pangestuty, Farah Wulandari
Indonesian Treasury Review: Jurnal Perbendaharaan, Keuangan Negara dan Kebijakan Publik Vol. 10 No. 2 (2025): Indonesian Treasury Review: Jurnal Perbendaharaan, Keuangan Negara dan Kebijak
Publisher : Direktorat Jenderal Perbendaharaan, Kementerian Keuangan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33105/itrev.v10i2.1009

Abstract

Research Originality — This research aims to analyze how fiscal balance transfers impact the acceleration of economic growth convergence in the country. Convergence means that more regions can enjoy economic growth.  Research Objectives — The research used secondary data from 2015 to 2022 and focused on 34 provinces in Indonesia. Research  Methods — This study employs a quantitative research design, with a convergence analysis framework based on panel data regression. The empirical model uses both absolute and conditional convergence methodologies to investigate the relationship between regional income levels and fiscal transfer policies. The analysis is based on secondary data from 34 Indonesian provinces between 2015 and 2022. The main explanatory variables are the per capita realizations of General Allocation Funds (DAU), Special Allocation Funds (DAK), and Revenue Sharing Funds (DBH). The fixed effects estimator is used to correct for unobserved heterogeneity, and the Hausman test is performed to assess the validity of the model definition Implications — The central government needs to exercise vigilance in respect of the allocation of balance funds because DAK has not been able to contribute to the economic growth in Indonesia. Regional governments also need to exercise vigilance and have strong controls in using balance funds. Better planning of balance funds, which are purpose grants, needs to be facilitated through efficient spending planning and synchronized with national priorities, ensuring that balance funds can be properly absorbed by regional governments and have an impact on economic development in each region.
PENGABDIAN MASYARAKAT UNTUK PENCEGAHAN STUNTING DI SEKOLAH TAHFIDZ RAUDHATUL QUR’AN, MALANG Kadji, Dzuliyati; Pangestuty, Farah Wulandari; Santoso, Dwi Budi; Wijaya, Asyadia Haq Zahra
Jurnal Abdi Insani Vol 11 No 4 (2024): Jurnal Abdi Insani
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/abdiinsani.v11i4.1580

Abstract

Undernourishment is an enormous health issue in Indonesia. Younger children are more likely to be stunted due to the important physical and cognitive growth phase from 0 to 5. Educational institutions can create a stunting prevention forum by incorporating instructors and parents. Parents can discover strategies to meet their children's nutritional demands during this crucial stage. Teachers may mitigate stunting by helping kids live healthy lives. Thus, the Faculty of Economics and Business team from Brawijaya University, Malang, conducts stunting prevention community engagement at an early childhood school. It studies how community participation promotes stunting prevention knowledge among parents and teachers at Raudhatul Qur'an Tahfiz School in Malang. A socialization program at Raudhatul Qur'an Tahfidz School in Malang City aims to raise teachers' and parents' awareness and comprehension of stunting prevention and its prevention methods.
PELATIHAN BAHASA ISYARAT UNTUK PENGGERAK PKK DI KARANGPLOSO, MALANG Prasetyia, Ferry; Pangestuty, Farah Wulandari; Kadji, Dzuliyati; Wijaya, Anorti Ika
Jurnal Abdi Insani Vol 11 No 4 (2024): Jurnal Abdi Insani
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/abdiinsani.v11i4.1581

Abstract

A high prevalence of disability in Malang Regency prompted the Community Engagement  Team of FEB Universitas Brawijaya to initiate a program empowering people with disabilities to deliver sign language training. This community engagement  initiative aimed to enhance non-physical accessibility and inclusivity within community engagements. Specifically, it sought to improve communication skills between the general public and individuals with hearing impairments, ultimately facilitating their active participation in society. The program, conducted in collaboration with the Ngijo Village Government, targeted PKK activist as participants. Omah Gembira, a local community organization, partnered with the initiative by providing sign language training materials and involving individuals with hearing disabilities. The program encompassed three phases: planning, implementation, and evaluation. The sign language training successfully fostered participant enthusiasm and effectively equipped PKK activists with communication skills, leading to improved interactions with the hearing impaired. By promoting sign language proficiency, the training demonstrably contributed to improved non-physical accessibility and community inclusivity. Notably, the involvement of individuals with hearing disabilities in providing materials exemplifies the program's commitment to supporting their active participation. This community engagement  activity represents a positive step towards fostering a more inclusive society and encouraging the active involvement of people with hearing disabilities within the community.
The Impact of NPL and LLP on Profitability of Digital and Conventional Banks Ronauli, Amelia Akiko; Pangestuty, Farah Wulandari
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 3 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

Profitability is the most important aspect of conventional and digital banks in Indonesia. This has also been emphasized and expected by regulators so that banking profitability in Indonesia continues to increase. In addition, NPL and LLP as part of credit risk in conventional and digital banks in Indonesia experienced fluctuating trends and tended to increase in the previous few years, so this could affect the profitability of each bank. The study continued with the aim of re-identifying the effect of NPL and LLP on the profitability of digital banks and conventional banks in Indonesia using the panel data regression estimation method. Researchers used digital banks and conventional banks in Indonesia according to predetermined criteria. The results found that, NPL and LLP in conventional banks were found to have a significant negative impact on profitability. While in digital banks in Indonesia, NPL was found to have no impact on profitability and LLP had a significant negative impact. Thus, these findings are expected to help the banking industry and other regulators in evaluating and making policies related to increasing profitability in the Indonesian banking industry.
Determination of Bank Financial Stability in Indonesia: An Analysis of Liquidity Creation, Profitability, and Credit Risk Sukarianto, Nanda Arifah; Pangestuty, Farah Wulandari
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 3 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

The resilience of the banking system is a fundamental prerequisite for maintaining financial system stability, especially amid increasing global pressures in the wake of the pandemic and geopolitical conflicts. This study aims to examine the factors influencing bank financial stability in Indonesia, highlighting the roles of liquidity creation (LC), profitability measured by return on equity (ROE), and credit risk, proxied by the non-performing loan (NPL) ratio. Bank financial stability in this study is measured using the Z-Score, based on quarterly panel data from four KBMI IV banks from 2020 to 2024. The analysis method used is panel data regression with a fixed-effects model approach. The results of the analysis indicate that ROE has a significant positive impact on stability, while LC and NPL have a significant negative impact. These findings confirm that increased liquidity creation without adequate risk management has the potential to cause financial instability. This study contributes to post-crisis empirical literature and offers policy recommendations to strengthen the resilience of the national banking sector.
PENDAMPINGAN PEMBUATAN STANDAR OPERASIONAL PROSEDUR SULTAN GELATO PONPES BAHRUL MAGHFIROH KOTA MALANG Santoso, Dwi Budi; Prasetyia, Ferry; Pangestuty, Farah Wulandari; Putra, Ronny Ersya Novianto; Wahyudianti, Muthia Alvi Aulia; Lathifaniya, Palestin Tara
INTEGRITAS : Jurnal Pengabdian Vol 7 No 1 (2023): JANUARI - JULI
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat - Universitas Abdurachman Saleh Situbondo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36841/integritas.v7i1.2407

Abstract

Tertuang pada Rencana Kerja Pemerintah (RKP) bahwa salah satu prioritas pembangunan adalah pengembangan Usaha Mikro Kecil dan Menengah (UMKM). Namun, fakta yang terjadi di lapangan banyak pelaku UMKM merasa bahwa bisnis yang mereka tekuni berjalan dengan normal namun sebenarnya UMKM tersebut tidak mengalami perkembangan. Tujuan dari pengabdian ini ialah untuk meningkatkan kolaborasi dengan mitra pengabdian masyarakat yang lebih komprehensif dan berkelanjutan sesuai dengan keilmuan yang dimiliki pengusul. Dampak dari proses pembuatan Standar Operasional Prosedur (SOP) ialah Sultan Gelato Pondok Pesantren Bahrul Maghfiroh Kota Malang memiliki pedoman yang berisi prosedur operasional agar kegiatan berjalan
Optimalisasi Digital sebagai Sarana Penguatan Transparansi dan Partisipasi BUMDes dalam Pengelolaan Pariwisata Santoso, Dwi Budi; Pangestuty, Farah Wulandari; Aulia, Dynda Fadhlillah
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 6 No. 1.1 (2024): Jurnal Pengabdian kepada Masyarakat Nusantara (JPkMN) SPECIAL ISSUE
Publisher : Lembaga Dongan Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55338/jpkmn.v6i1.1.4748

Abstract

Pengabdian ini bertujuan mengoptimalkan digitalisasi untuk meningkatkan transparansi dan partisipasi Badan Usaha Milik Desa (BUMDes) dalam pengelolaan pariwisata di Desa Toyomarto, Kecamatan Singosari. Metode Participatory Action Research (PAR) diterapkan melalui tahapan sosialisasi, pelatihan, pendampingan, dan evaluasi, dengan kolaborasi bersama BUMDes dan Pokdarwis. Hasil menunjukkan digitalisasi, melalui pengembangan blog desa, meningkatkan akses informasi masyarakat dari 25% menjadi 70% dan partisipasi dalam pengelolaan desa. Tantangan utama adalah rendahnya literasi digital pada kelompok tertentu, yang membutuhkan pendekatan personal dan berkelanjutan. Kesimpulannya, digitalisasi dengan pendekatan PAR efektif memperkuat transparansi dan partisipasi dalam tata kelola pariwisata desa, serta berpotensi menjadi model bagi desa lainnya.
Analysis of Leading Sectors and Components of the Expenditure Side that Affect Economic Growth in the Province of South Sulawesi Amri, Muh Arif; Maski, Ghozali; Pangestuty, Farah Wulandari
Journal of International Conference Proceedings Vol 6, No 1 (2023): 2023 ICPM Malang Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v6i1.2302

Abstract

Resources typically support economic growth, but not all regions possess the same potential resources. The first objective of this study is to test and analyze the potential of leading sectors and shifting leading sectors in South Sulawesi Province. Second, to determine which expenditure-side components—household consumption, government consumption, investment, exports, and imports—influence South Sulawesi Province's economic growth. This study relies on secondary data that includes information on the Gross Regional Domestic Product of South Sulawesi Province and the same information for the entire nation from 2002 to 2021. This study makes use of the Location Quotient, Shift-Share, and Growth Ratio as analytical tools; while data panel regression is used to look at the factors that affect GRDP. Agriculture, construction, trade, and the services sector are the most important industries in South Sulawesi Province, according to the analysis's findings. While only partially the investment and household consumption variable has a significant impact on South Sulawesi's economic growth, simultaneously household consumption, government consumption, investment, exports, and imports all have a significant impact on economic growth.
Dampak Penerapan Perdagangan Bebasasean China Free Trade Agreement (ACFTA) Terhadap Keberlangsungan Industri Kecil Menengah (IKM) Dilihat dari Perspektif Varian Produk IKM di Jawa Timur Yusida, Ermita; Wulandari, Farah
Jurnal Ilmiah Mahasiswa FEB Vol. 1 No. 1
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

Industri Kecil Menengah (IKM) memegang peran penting dalarn perekonomian nasional baik ditinjau dari segi jumlah usaha maupun dalam penciptaan lapangan kerja. Dengan terjadinya pergeseran tatanan ekonomi dunia pada persaingan bebas, terutama penerapan ASEAN China Free Trade Agreement (ACFTA) dapat dikatakan bahwa IKM menghadapi situasi yang bersifat double squeeze,  yaitu desakan ganda antar produk IKM domestik dan produk asing.Dalam persaingan domestic yang semakin tinggi, membuat IKM semakin terdesak karena membanjirnya produk impor. Penelitian ini bertujuan untuk mengetahui dampak ACFTA terhadap keberlangsungan IKM di Jawa Timur. Secara teoritis, perdagangan bebas akan berpengaruh pada harga dan kuantitas. Sesuai dengan teori perdagangan internasional, ketika adanya perdagangan bebas akan menyebabkan persaingan yang semakin sempurna sehingga terjadi tekanan harga yang juga menurunkan tingkat kuantitas. hal ini menyebabkan profit akan menurun, dengan asumsi  cost  tetap dalam jangka pendek.  Data sekunder dan data primer digunakan dalam penelitian ini, dengan menggunakan metode ekonometrik  3 stage least square  berupa persamaan simultan. Persamaan ini untuk mengestimasi dampak ACFTA terhadap tingkat pendapatan IKM, sedangkan untuk mengidentifikasi jenis industri yang paling besar terpengaruh oleh adanya ACFTA, menggunakan metode analisis sensitifitas dengan standar deviasi. Hasil sensitifitas tersebut akan dijelaskan dengan menggunakan data primer. Hasil penelitian ini menunjukkan bahwa ACFTA berdampak pada keberlangsungan IKM di Jawa Timur, yaitu membuat  harga cenderung meningkat dan kuantitas yang cenderung menurun. ACFTA memiliki dampak yang berbeda-beda terhadap jenis IKM Jawa Timur. Terdapat beberapa industry yang memiliki sensitifitas tinggi dan rendah terhadap penerapan ACFTA. Kata Kunci :  ASEAN China Free Trade Agreement  (ACFTA), IKM,  Jawa Timur, Persamaan Simultan,3 stage least square
Co-Authors Abdul Manap Pulungan Agus Dian Ristanto Alessandro, Andreas Amri, Muh Arif Andhika P. Herlambang Andhika Paratama Herlambang ARFIYANSYAH, SINTONG Ariyanti, Septi Dwi Asrofi, Dien Amalina Nur Aulia Ratuningtyas Aulia, Dynda Fadhlillah Ayu, Tiara Ardia Sekar Badrani, Donny Syah Budi Santoso, Dwi Candra Fajri Ananda Daffa At Thariq Devanto Shasta Pratomo Dias Satria Dwi Budi Santoso Dwi Budi Santoso Ermita Yusida Erwin Saraswati Evita Safitri Fatimah Hidayati Fauza Dwi Annisa Ferry Prasetya Ferry Prasetyia Fina Nidaul Mahalli Fuadi, Hamdan Gema, Alfatira Ghozali Maski Hani Puspitasari Hartsa Kusuma Nagara Hidayat, Andhy Kadji, Dzuliyati Katon Prasetyo Wibowo Laila Hikmatul Khoiroh Lathifaniya, Palestin Tara Moh. Khusaini Nur Asrofi, Dien Amalina Nurul Khoiriyah Permata, Indah Dian Prayodana, Hangga Reynara, Ignatius Ri Setia Hutama Riza Waljianah Rizma Novita Sari Ronauli, Amelia Akiko Ronny Ersya Novianto Putra Sari, Silvia Ayu Elvira Simanjuntak, Lusiana Br Sitanggang, Maria Septiani Sukarianto, Nanda Arifah Tegar Setifandy Wahyudianti, Muthia Alvi Aulia Wijaya, Anorti Ika Wijaya, Asyadia Haq Zahra Winata, Supriyadi Ramdan Zuhaifah Zuhaifah