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All Journal Quantitative Economics Journal JURNAL PENDIDIKAN TAMBUSAI Jurnal Tabarru': Islamic Banking and Finance Journal Economic and Strategy (JES) JRMB (JURNAL RISET MANAJEMEN & BISNIS) JEKKP (JURNAL EKONOMI, KEUANGAN DAN KEBIJAKAN PUBLIK) Journal of Artificial Intelligence and Digital Business Indonesian Journal of Multidisciplinary on Social and Technology Jurnal Penelitian dan Pengabdian Masyarakat Jurnal Pengabdian Masyarakat dan Riset Pendidikan Journal of Innovative and Creativity Efficient: Indonesian Journal of Development Economics
Milla Naeruz
Universitas Islam Sumatera Utara
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Pengaruh E-Money, Tingkat Suku Bunga dan Inflasi Terhadap Jumlah Uang Beredar di Indonesia Tahun 2012 - 2024 Meidina Indriani; Milla Naeruz; Faty Rahmarisa
Jurnal Penelitian dan Pengabdian Masyarakat Vol. 4 No. 3 (2026): August 2026
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/7ayv2021

Abstract

This study aims to analyze the influence of E-Money, interest rates, and inflation on the money supply in Indonesia during the 2012–2024 period. Managing the money supply plays a crucial role in maintaining macroeconomic stability, especially amidst the rapid innovation of digital payment technologies. The data used in this study are secondary annual time series data sourced from Bank Indonesia and the Indonesian Central Bureau of Statistics (BPS). The analytical method employed is multiple linear regression using SPSS software. The partial results (t-test) show that E-Money has a positive and significant effect on the money supply. Conversely, the interest rate has a negative and significant effect, while inflation also demonstrates a negative and significant influence on the money supply in Indonesia. Simultaneously (F-test), the three independent variables—E-Money, interest rate, and inflation—significantly influence the money supply. The coefficient of determination (R Square) value is 0.908, indicating that 90.8% of the variation in the money supply can be explained by the variables in this research model, while the remaining 9.2% is explained by other factors outside the model.
Pengaruh Perkembangan Generasi Z dalam Memutuskan Transaksi Digital (QRIS, E-Wallet) dan Transaksi Manual pada Mahasiswa di Kota Medan Muhammad Hussain Arridho Hasibuan; Milla Naeruz; Azhar Apriandi
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 2 (2026): Mei-Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i2.9758

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh QRIS, E-Wallet, dan transaksi manual terhadap perilaku Generasi Z dalam bertransaksi pada mahasiswa UISU, UMSU, dan UNIMED di Kota Medan. Metode penelitian yang digunakan adalah metode kuantitatif dengan pendekatan asosiatif. Populasi dalam penelitian ini adalah mahasiswa Generasi Z di Kota Medan, sedangkan teknik pengambilan sampel menggunakan purposive sampling dengan jumlah sampel sebanyak 100 responden. Teknik pengumpulan data dilakukan melalui penyebaran kuesioner. Analisis data menggunakan uji validitas, uji reliabilitas, uji asumsi klasik, analisis regresi linear berganda, uji t, uji F, dan koefisien determinasi (R²) dengan bantuan program IBM SPSS Statistics 25. Hasil penelitian menunjukkan bahwa secara parsial variabel QRIS berpengaruh positif dan signifikan terhadap perilaku Generasi Z dengan nilai t hitung sebesar 2,701 dan signifikansi 0,008 < 0,05. Variabel E-Wallet juga berpengaruh positif dan signifikan dengan nilai t hitung sebesar 2,718 dan signifikansi 0,008 < 0,05. Sementara itu, variabel transaksi manual tidak berpengaruh signifikan terhadap perilaku Generasi Z dengan nilai t hitung sebesar 0,368 dan signifikansi 0,714 > 0,05. Secara simultan, QRIS, E-Wallet, dan transaksi manual berpengaruh positif dan signifikan terhadap perilaku Generasi Z dengan nilai F hitung sebesar 13,817 dan signifikansi 0,000 < 0,05. Hasil uji koefisien determinasi menunjukkan nilai R Square sebesar 0,302 yang berarti variabel independen mampu menjelaskan pengaruh terhadap perilaku Generasi Z sebesar 30,2%, sedangkan sisanya sebesar 69,8% dipengaruhi oleh faktor lain di luar penelitian. Berdasarkan hasil penelitian dapat disimpulkan bahwa Generasi Z di Kota Medan cenderung lebih memilih transaksi digital seperti QRIS dan E-Wallet karena dianggap lebih praktis, cepat, dan efisien dibandingkan transaksi manual.
Gold Price Fluctuations Affecting to People's Purchasing Power with Interest Rate as Moderating Effect in Indonesia Milla Naeruz
Efficient: Indonesian Journal of Development Economics Vol. 9 No. 2 (2026)
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/efficient.v9i2.40544

Abstract

This study aims to analyze the effect of gold prices on inflation, purchasing power, and exchange rates in Indonesia during the period 1995-2024. Gold is a hedging investment that is sensitive to changes in exchange rates, global economic turmoil, and market risk perceptions. Rising gold prices often reflect uncertainty in economic terms, which can lead to inflation due to an increase in goods and services. Uncontrolled inflation has a negative impact on people's purchasing power, especially in fixed income groups. Conversely, people who have gold investments may experience an increase in nominal wealth, thus potentially increasing income indirectly. This study uses a quantitative approach with secondary data from the Central Bureau of Statistics (BPS), Bank Indonesia, and the World Gold Council. The results of the analysis show a positive relationship between the increase in gold prices and inflation, as well as a negative correlation with people's purchasing power, but the increase in gold prices has an impact on the increase (appreciation) of the dollar against IDR and the value of IDR depreciates.
Co-Authors Aisyah Damayanti Amrani Amrani Apriandi, Azhar Azhar Apriandi Azhar Apriandi Bagas Arief Fadhilah Damayanti, Aisyah Effendi Sadly Fadylah Asyfah Farhan Mazhari Tambunan FATY RAHMARISA Ferdin Jaya Laia M. Sahnan Meidina Indriani Muhammad Hussain Arridho Hasibuan Puspita, Cinta Sila Putri Pramuditha Hasibuan Putri Wulandari Raudhatul Jannah Ryan Taufiq Zamzamy Pulungan Salsabila Putri Ardefa Sri Gustina Pane Syafrizal . Tanjung, Mira Tengku Ahmad Helmi Tri Kartika Yudha Vania Putri Br Ginting Yanda Pratiwi Zulkifli Siregar