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All Journal Jurnal Manajemen dan Bisnis Sriwijaya Jurnal Manajemen & Keuangan JURNAL PENGABDIAN KEPADA MASYARAKAT JEMPER (Jurnal Ekonomi Manajemen Perbankan) AMALIAH: JURNAL PENGABDIAN KEPADA MASYARAKAT Procuratio : Jurnal Ilmiah Manajemen Abdi Kami : Jurnal Pengabdian Kepada Masyarakat JRAK (Jurnal Riset Akuntansi dan Bisnis) (e-Journal) Jurnal Abdimas Sang Buana Husnayain Business Review Jurnal Akuntansi Keuangan dan Bisnis Journal of Informatics and Electronics Engineering Multifinance Indonesian Journal of Banking and Financial Technology (FINTECH) Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Erna Garnia
Universitas Sangga Buana
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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PERBANDINGAN KINERJA SAHAM SEBELUM DAN SELAMA PANDEMI COVID-19 Erna Garnia; Rani Rahayu; Rena Nur Utari; Dini Febriani; Hasna Qurratu-ain Putri
Jurnal Akuntansi Keuangan dan Bisnis Vol 16 No 1 (2023): Jurnal Akuntansi Keuangan dan Bisnis
Publisher : Politeknik Caltex Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35143/jakb.v16i1.5444

Abstract

Masuknya pandemi covid-19 di Indonesia mengakibatkan ketidakstabilan pada pergerakan harga saham di Bursa Efek Indonesia. Kelompok saham yang paling terdampak pandemi covid-19 diantaranya, LQ45, Saham Syariah, perbankan, dan Manufaktur. Ketidakstabilan tersebut mengakibatkan ketidakpastian return bagi para investor. Tujuan penelitian ini adalah untuk mengetahui adakah pengaruh risiko pasar terhadap return saham pada beberapa kelompok saham yang terbagi menjadi return tinggi dengan return rendah sebelum dan selama pandemi Covid-19. Metode analisis yang digunakan yaitu Two Pass Regression dengan pendekatan Capital Asset Pricing Model. Penelitian ini menggunakan data harian dari 12 Maret 2019 sampai dengan 1 Maret 2021. Hasil penelitian sebelum pandemi covid-19 pada kelompok LQ45, Saham Syariah, Perbankan dengan return tinggi maupun rendah menunjukkan bahwa risiko pasar tidak berpengaruh terhadap return saham sementara untuk manufaktur berpengaruh signifikan. Selama pandemic covid-19 pada kelompok LQ45, Saham Syariah, Perbankan, dan Manufaktur dengan return tinggi maupun return rendah menunjukkan risiko pasar berpengaruh signifikan terhadap return saham.
Dominant Macro Factors on the Performance of Sharia Stocks in the Period of Two Presidencies in Indonesia Erna Garnia; Tahmat; Deden Rizal Riyadi; Rio Akbar Pasuma; Puji Sri Astuti
Indonesian Journal of Banking and Financial Technology Vol. 1 No. 1 (2023): January, 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fintech.v1i1.2715

Abstract

Regulations issued by the government have an impact on the development of the capital market in Indonesia. This study analyzes the influence of macroeconomic and non-macroeconomic factors consisting of global, macroeconomic, world oil prices, Chinese indexes, Arabian indexes and competitive resources on the expected return of the last two presidential terms, namely Susilo Bambang Yudhoyono and Joko Widodo by using Arbitrage Pricing. theory. The analysis was carried out on stocks included in the Jakarta Islamic Index for the period October 2004 - October 2021 by dividing them into high return and low return groups for each presidential term. The aim of the study was to examine the effect of the global index, macroeconomics, Chinese index, Arabian index and competitiveness on JII stock returns during the presidency of SBY and JKW.
The Effects of Macroeconomics, Oil Prices, and Competitive Resources on LQ 45 Stock Returns Garnia, Erna; Riadi, Deden Rizal; Tahmat, Tahmat; Lisaumi, Siti Riyyan
Husnayain Business Review Vol. 4 No. 1 (2024)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia (ADPEBI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/hbr.v4i1.882

Abstract

The capital market is a component of a country's financial system that accommodates meetings between parties who need funds and parties who have funds on the Indonesia Stock Exchange. The expected returns of investors in the Indonesia Stock Exchange can be influenced by various macro factors, including macroeconomics, world oil prices, and competitiveness. Macro factors are related to the president in terms of economic policies, regulations, and capital market stability. LQ 45 which is an index consisting of liquid stocks, is used as a reference for setting investment strategies. This study aims to determine the effect of the three macro factors, namely macroeconomics, world oil prices, and competitiveness on LQ 45 returns during the last two terms president of the Indonesian, Susilo Bambang Yudhoyono and Joko Widodo, using regression analysis. Analysis of each term of office is divided into high return and low return groups. The data in this study used monthly data from October 2004 to October 2021. The results showed that the three macro factors simultaneously affected the LQ 45 stock return group. Partially, it shows that world oils have a positive effect on high and low returns, both during the presidential of Susilo Bambang Yudhoyono and Joko Widodo. Macroeconomics and Competitive Resources show varied results in influencing LQ 45 returns.
Agro Edu Wisata Dalam Mewujudkan Smart Village Yang Berkelanjutan GARNIA, ERNA; NURWATHI, Nurwathi; PERDANA, Rangga Satria; HADIJAH, HADY SITI; Lisaumi, Siti Riyyan; Wahyuni, Astri Sri; Jaelani, Mochamad Pitra
Amaliah: Jurnal Pengabdian Kepada Masyarakat Vol 8 No 2 (2024): Amaliah Jurnal: Pengabdian kepada Masyarakat
Publisher : LPPI UMN AL WASHLIYAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32696/ajpkm.v8i2.3559

Abstract

Desa Sindulang merupakan desa yang terletak di atas ketinggian 1.110 MDPL dan memiliki potensi besar dalam bidang pertanian serta pariwisata namun belum dikembangkang secara optimal oleh masyarakat. Program ini tidak hanya berorientasi pada pengembangan ekonomi, tetapi juga memperkuat kapasitas masyarakat lokal dalam mengelola sumber daya yang mereka miliki secara mandiri. Tujuan kegiatan pengabdian ini adalah untuk merancang dan mengembangkan agro edu wisata di desa Sindulang dalam menciptakan desa cerdas yang berkelanjutan dengan melibatkan generasi milineal di lingkungan masyarakat. Metode yang digunakan meliputi konsultasi, difusi ipteks, simulasi ipteks, dan advokasi, dengan fokus pada perancangan tata letak serta peningkatan infrastruktur pertanian dan pariwisata sebagai penunjang agro edu wisata. Hasil dari kegiatan ini mencakup tata letak agro edu wisata, pembuatan irigasi pertanian, pembuatan berbagai display sebagai sarana informasi yang dilengkapi dengan lampu penerangan berbasis panel surya, modifikasi alat angkut pertanian, dan pembuatan digital marketing. Pengembangan desa melalui pembuatan agro edu wisata ini dapat meningkatkan kesadaran masyarakat atas potensi desa yang dimiliki, mempercepat pembangunan desa, serta menciptakan sinergi antara akademisi, pemerintah dan masyarakat dalam pengembangan ekonomi lokal. Keseluruhan dari kegiatan ini diharapkan dapat meningkatkan daya saing destinasi wisata lokal, memperkuat perekonomian masyarakat, dan menciptakan lapangan kerja baru yang berkelanjutan.
PELATIHAN PENGEMBANGAN AGRO EDU WISATA MENUJU SMART VILLAGE YANG BERKELANJUTAN PADA KELOMPOK MILENIAL Garnia, Erna; Nurwathi, Nurwathi; Perdana, Rangga Satria; Hadijah, Hady Siti; Maharani, Lisya; Fahrulrozi, Muhamad; Lisaumi, Siti Riyyan
ABDI KAMI: Jurnal Pengabdian Kepada Masyarakat Vol 7 No 2 (2024): (Oktober 2024)
Publisher : LPPM Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/abdi_kami.v7i2.2699

Abstract

Agro edu-tourism is an alternative to community economic development, especially in rural areas, which can increase the income and welfare of local residents through the tourism and agriculture sectors. Sindulang Village is one of the villages that has great potential in the agricultural and tourism sectors. With this great potential, the Sangga Buana University Community Service team together with partners from local millennial groups aim to make the agricultural land area in Sindulang Village an Agro Edu Tourism object towards a sustainable Smart Village. One of the important factors to achieve the realization of the objectives of this activity is by improving the quality of human resources of partners. Several problems were found that became obstacles to the realization of agro edu tourism development in terms of knowledge about the agricultural production process, digital marketing-based marketing, and Tourism Awareness Groups. The method of implementation in this activity is by conducting training, demonstrations, and discussions with service partner participants. The results of the implementation of the training increased understanding and knowledge of the material raised from the obstacles experienced. So that after the training is carried out, agro edu tourism planning towards a smart village which is the goal of this activity can be continued by looking at various other factors, guidance on utilizing digital marketing, keeping financial records, photography, managing the development of tourism packages, and handling tourism risk management.
Perancangan Website Informatif dan Pemesanan Tiket Agro Edu Wisata Baruimun Hill Sumedang Perdana, Rangga Satria; Wiharko, Teguh; Garnia, Erna; Nurwathi, Nurwathi; Hadijah, Hady Siti; Manaf, Khaerul
Journal of Informatics and Electronics Engineering Vol 4 No 2 (2024): Desember 2024
Publisher : Unit Penelitian dan Pengabdian kepada Masyarakat Politeknik TEDC Bandung Jl. Pesantren Km 2 Cibabat Cimahi Utara – Cimahi 40513 Jawa Barat – Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70428/jiee.v4i2.940

Abstract

Perkembangan teknologi informasi sebagai media pendukung proses bisnis semakin hari semakin cepat, bahkan dapat dikatakan sudah tidak dapat terkendali. Perkembangan teknologi dan sistem informasi membawa perubahan pada dunia usaha. Agro Edu Wisata Baruimun Hill merupakan sebuah tempat wisata yang sedang dikembangkan dan dipersiapkan untuk memberikan pengalaman berwisata dan berbagi ilmu serta pengalaman dalam Bertani. Object oriented adalah metode pengembangan sistem atau aplikasi yang menyesuaikan dengan kebutuhan dan implementasi pengguna. Hasil identifikasi permsalahan dijabarkan dengan menggunakan Use Case Diagram dan Activity Diagram sebagai Gambaran dalam merancang website tersebut. Aktor yang menjadi pengguna di dalam website ini ada 2 aktor, yaitu admin dan user / pengunjung. Perancangan website informatif yang dirancang dapat digunakan sebagai media pemasaran Agro Edu Wisata Baruimun Hill dengan tujuan memperluas penyebaran informasi tanpa terhalang ruang dan waktu. Perancangan form pemesanan tiket pada website tersebut pun dapat menjadikan proses pencatatan dan pelaporan jumlah pengujung Agro Edu Wisata Baruimun Hill lebih terorganisir.
Pengembangan Ekonomi Masyarakat Kaki Gunung Kerenceng Berbasis Infrastruktur dan Pengelolaan Berkualitas Garnia, Erna; Nurwathi, Nurwathi; Manaf, Khaerul; Maharani, Lisya; Iman, Muhammad; Rakhmawati, Ranti Suci; Al-Farizi, Rafly Muhammad; Aliya, Rijal Mustofa; Mustofa, Rahmat Imam; Lisaumi, Siti Riyyan
JURNAL PENGABDIAN KEPADA MASYARAKAT Vol 13 No 2 (2023): Desember 2023
Publisher : LPPM UNINUS

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

Abstract

Indonesia memiliki beragam gunung yang menawarkan keindahannya masing-masing, salah satunya Gunung Kerenceng yang berada di Desa Sindulang. Gunung Kerenceng memiliki ketinggian 1.754 meter di atas permukaan laut yang memliki beragam pesona diantaranya kekayaan flora, fauna serta pemandangan hamparan kota Bandung dan Sumedang. Gunung Kerenceng dikelola oleh warga sekitar untuk pertanian. Saat ini pengelolaan lahan di kaki Gunung Kerenceng dikelola oleh sekelompok masyarakat, di bawah binaan Karang Taruna setempat dengan nama Volunteer Kerenceng dan Kelompok Tani Milenials. Tujuan dari kegiatan ini untuk menunjang masyarakat dengan melakukan pengembangan wisata Gunung Kerenceng, meningkatkan pelayanan para pengelola Volunteer Kerenceng supaya dapat memanfaatkan lingkungan dengan baik dan tepat melalui perbaikan infrastruktur. Metode yang digunakan yaitu survei, perancangan konsep dan pengadaan infrastruktur, pembuatan dan uji serta pemasangan infrastruktur, pendampingan program, evaluasi dan monitoring. Kegiatan pengabdian ini menghasilkan peningkatan infrastruktur diantaranya penerangan menggunakan panel surya, papan nama, petunjuk arah, tempat sampah, saung singgah serta peningkatan pengelolaan keterampilan Volunteer Kerenceng serta Kelompok Tani Milenials.
Bias Kognitif Dan Literasi Keuangan Pada Keputusan Investasi Generasi Z Garnia, Erna; Mayesya, Yusevin Rossa; Lisaumi, Siti Riyyan
JRAK (Jurnal Riset Akuntansi dan Bisnis) Vol. 12 No. 1 (2026): JRAK Jurnal Riset Akuntansi dan Bisnis Januari 2026
Publisher : LPPM POLITEKNIK LP3I BANDUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38204/jrak.v12i1.2751

Abstract

The rapid growth of the Indonesian capital market has been accompanied by increasing participation of Generation Z investors. However, investment decisions are not always rational as they are influenced by cognitive biases such as overconfidence and availability bias, as well as the level of financial literacy. Despite their digital nativity, Generation Z investors remain susceptible to psychological biases that may lead to suboptimal investment outcomes. This study aims to analyze the effect of overconfidence and availability bias on investment decisions with financial literacy as a control variable among Generation Z investors at Investment Galleries of universities in the Bandung Raya area. The research employed a quantitative approach with a verificative analysis design. Data were collected through questionnaires from 98 respondents and analyzed using multiple linear regression. The results indicate that overconfidence and availability bias significantly influence investment decisions, even when financial literacy is controlled. The findings confirm that psychological biases continue to affect the investment behavior of Generation Z, highlighting the need for comprehensive investment education that emphasizes both financial literacy enhancement and cognitive bias management strategies.
INVESTMENT DECISIONS OF YOUNG INDONESIAN INVESTORS: THE INFLUENCE OF FINANCIAL LITERACY, OVERCONFIDENCE, AND RISK TOLERANCE Garnia, Erna; Aprilia, Ajeng; Lisaumi , Siti Riyyan
Multifinance Vol. 3 No. 2 (2025): Multifinance
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/mfc.v3i2.490

Abstract

Economic growth in a country can originate from investment activities. Every year, the number of investors in the capital market continues to increase, and these investors are predominantly young investors. Investment activities are inseparable from the investment decision-making process itself. However, in determining investment decisions, investors are influenced by both rational and irrational factors. This study aims to analyze and describe the influence of financial literacy, overconfidence, and risk tolerance on investment decisions among young investors in investment galleries throughout the Greater Bandung area. This research employs descriptive and verificative approaches using primary data and a quantitative methodology. The sampling method utilized is purposive sampling. Data testing and analysis include validity tests, reliability tests, classical assumption tests, multiple linear regression analysis, correlation coefficient analysis, coefficient of determination analysis, and hypothesis testing. The research findings demonstrate that financial literacy, overconfidence, and risk tolerance have a significant positive influence both simultaneously and partially on investment decisions among young investors in investment galleries throughout Greater Bandung. These results indicate that enhancing financial literacy, managing overconfidence behavior, and understanding individual risk tolerance profiles are crucial factors in improving the quality of investment decision-making among young investors in Indonesia's emerging capital market.
Dinamika Faktor Risiko Makroekonomi pada Return Saham Sektor Energi: Pendekatan Arbitrage Pricing Theory Erna Garnia; Tahmat Tahmat; Pipit Muditya Harjo Singgih; Siti Riyyan Lisaumi; Usep Rendiana
Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis Vol. 6 No. 1 (2026): Maret : Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jaemb.v6i1.10054

Abstract

sector in Indonesia faces significant exposure to external macroeconomic shocks, yet the understanding of how these risk factors dynamically influence stock returns across different political-economic regimes remains limited. This study investigates the influence of six exteral factors Global Index, macroeconomic variables, world oil prices, China Index, Arabian Index, and competitive resources on energy sector stock returns during two presidential admitrtions: Susilo Bambang Yudhoyono (2004-2014) and Joko Widodo (2014-2021). The research employs Arbitrage Pricing Theory (APT) as the theoretical framework to examine whether these macroeconomic risk factors demonstrate regime-dependent pricing dynamics. Using panel data regression analysis on monthly observations spanning 17 years, energy stocks are categorized into high-return and low-return portfolios to assess differential sensitivity across performance groups. The methodology includes best model selection, classical assumption tests, hypothesis testing, and dummy variable analysis to detect regime differences. Results indicate that all six factors simultaneously influence stock returns across both periods. Partial analysis reveals that Global Index, China Index, and Arabian Index significantly affect returns during SBY's administration, while Jokowi's era shows expanded sensitivity including world oil prices alongside previously significant factors. Tests for differential effects between portfolio groups yield mixed results across regimes. The study concludes that while external macroeconomic factors significantly drive energy sector performance, their influence magnitude does not consistently differ between high and low-return groups, suggesting uniform market-wide sensitivity to systematic risk factors regardless of individual stock performance characteristics.
Co-Authors Ae Suaesih Ahmad Zulfahmi Ubaidillah Al-Farizi, Rafly Muhammad Aliya, Rijal Mustofa Anita Syafariah Aprilia, Ajeng Aryanti Ratnawati Bambang Rustandi Bambang Susanto Bambang Susanto Bunga Suci Romadhona Deden Rizal R Didin Saepudin Dini Febriani Dyah Saputri Eva Rachmawati Fahrulrozi, Muhamad Fitria Lilyana Hady Siti Hadijah, Hady Siti Hasna Qurratu-ain Putri Henda Hendawati Hendajany, Nenny Ida Margareta Nainggolan Ine Aprianti Jaelani, Mochamad Pitra Kasmawati Laturauw Khaerul Manaf Lisaumi , Siti Riyyan Lisaumi, Siti Riyyan Maharani, Lisya Mayesya, Yusevin Rossa Muhammad Iman Mustofa, Rahmat Imam Nurwathi, Nurwathi Perdana, Rangga Satria Pipit Muditya Harjo Singgih Puji Sri Astuti Raden Gatari Cesiariviyanti Rakhmawati, Ranti Suci Rani Rahayu Rena Nur Utari Riadi, Deden Rizal Rio Akbar Pasuma Rusmin Nuryadin Setiawan, Audita Siti Riyyan Lisaumi Sri Wahyuni Sukardi, Hadi Ahmad T Tahmat Tahmat Tahmat Tahmat Tahmat Tahmat, Tahmat Tiktik Sartika Usep Rendiana Wahyuni, Astri Sri Wiharko, Teguh Wiwin Sukiati Wuri Handayani Yuli Nawangsasi