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All Journal JEJAK Economics and Finance in Indonesia Jurnal Ekonomi dan Pembangunan Jurnal Akuntansi dan Bisnis Jurnal Ekonomi Indonesian Journal of Multidisciplinary Science Journal of Social Research Jurnal Kebijakan Ekonomi Economic and Finance in Indonesia Economic Development Analysis Journal

Eugenia Mardanugraha

Master Of Economic Planning And Development Policy, Universitas Indonesia, Depok, West Java

Author-ID : 3634465

Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences

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Articles

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Modelling Macroecoomic Dynamic CGE for the Indonesian Economy Widjaja, Muliadi; Mardanugraha, Eugenia
Economics and Finance in Indonesia Volume 56, Number 3, 2008
Publisher : Institute for Economic and Social Research

Inflation-Output Efficiency in Lowering High Cost Economy: A Comparative Study of Several Provinces in Indonesia Gitaharie, Beta Y.; Mardanugraha, Eugenia; Nuryakin, Chaikal
Economics and Finance in Indonesia Volume 55, Number 2, 2007
Publisher : Institute for Economic and Social Research

Peran Intermediasi Bank Pembangunan Daerah (BPD) Terhadap Pertumbuhan Ekonomi Daerah Berly Berly; Benedictus Raksaka Mahi; Eugenia Mardanugraha
Jurnal Akuntansi dan Bisnis Vol 22, No 2 (2022)
Publisher : Accounting Study Program, Faculty Economics and Business, Universitas Sebelas Maret

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20961/jab.v22i2.830

This study examines the impact of the intermediary role of 27 Regional Development Banks (RDB) on regional economic growth using county and city panel data for the 2015 – 2019 period. The test uses a fixed effect regression model with control variables of labour force participation rates, education, and local government spending. The findings of this study were the role of RDB intermediation has a significant positive effect in encouraging regional economic growth in all counties and cities. The study found that the impact of third party funds was higher if all of it disbursed into credit on the growth of real Gross Regional Domestic Product per capita. Third-party funds proven to increase capital accumulation channelled through credit, thereby encouraging economic growth. RDB has a role in reducing the obstacles to collecting funds in the district by distributing Third - party funds from the city to credit in the county. The results of the study shows that the impact of consumption and productive credit in county and city showed different results. In the county, consumer credit increases the purchasing power of households, while in the city, productive credit becomes physical capital accumulation with a higher multiplier so that it has a positive effect on economic growth. These results suggest that RDB should improve their active role in credit distribution, both in increasing the number and quality of intermediation, especially for productive use that is evenly distributed throughout the region. RDB needs to increase the capacity of lending, especially through increasing capital. Penelitian ini menguji dampak peran intermediasi 27 BPD terhadap pertumbuhan ekonomi daerah menggunakan data panel kabupaten dan kota periode tahun 2015 – 2019. Pengujian menggunakan regresi model efek tetap dengan variabel kontrol tingkat partisipasi angkatan kerja, pendidikan, dan belanja pemerintah daer ah. Hasil penelitian membuktikan peran intermediasi BPD berpengaruh positif signifikan mendorong pertumbuhan PDRB riil per kapita pada keseluruhan kabupaten dan kota. Penelitian menemukan dampak Dana Pihak Ketiga (DPK) lebih tinggi apabila seluruhnya disalurkan menjadi kredit terhadap pertumbuhan PDRB riil per kapita. DPK terbukti meningkatkan akumulasi modal yang disalurkan melalui kredit sehingga mendorong pertumbuhan ekonomi. BPD berperan mengurangi kendala penghimpunan dana di kabupaten dengan mendistribusikan DPK dari kota menjadi kredit di kabupaten. Hasil penelitian dampak kredit konsumsi dan produktif di kabupaten dan kota menunjukkan hasil berbeda. Di kabupaten kredit konsumsi meningkatkan daya beli rumah tangga, sedangkan di kota kredit produktif menjadi akumulasi modal fisik dengan multiplier lebih tinggi sehingga berpengaruh positif terhadap pertumbuhan ekonomi. Mengacu konteks pembangunan Indonesia yang masih dalam tahap perkembangan, diperlukan peran aktif penyaluran kredit BPD baik peningkatan jumlah maupun kualitas intermediasi terutama untuk penggunaan produktif yang merata di seluruh daerah. BPD perlu meningkatkan kapasitas penyaluran kredit terutama melalui peningkatan permodalan.

Ketahanan UMKM di Indonesia menghadapi Resesi Ekonomi Eugenia Mardanugraha; Junaidi Akhmad
Jurnal Ekonomi dan Pembangunan Vol 30 No 2 (2022): Jurnal Ekonomi dan Pembangunan
Publisher : Economic Research Center, the Indonesian Institute of Sciences (P2E-LIPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14203/JEP.30.2.2022.101-114

Wabah COVID-19 telah membuat ekonomi Indonesia masuk episode resesi, yang ditunjukkan oleh pertumbuhan ekonomi (y-o-y) negatif selama 2 kuartal berturut-turut, yaitu Q2-2020 sebesar -5.32% dan Q3-2020 sebesar -3.49%. Penelitian ini menjelaskan bahwa usaha mikro, kecil dan menengah (UMKM) di Indonesia memiliki daya tahan yang cukup kuat dalam menghadapi resesi ekonomi. Penelitian ini mewawancarai 541 UMKM dari seluruh Indonesia selama Agustus-Oktober 2020 melalui telepon dan video call. Penelitian ini juga melakukan focus group discussion (FGD) dari beberapa responden yang disurvei. Berdasarkan analisa deskriptif ditemukan bahwa 19% UMKM sudah tidak dapat bertahan, 30% UMKM masih mempertahankan karyawannya, dan 51% lainnya masih dapat bertahan. Bantuan dari pemerintah baru dirasakan oleh UMKM yang memiliki kredit dari bank. Berdasarkan pengujian t-statistik, terjadi penurunan pada seluruh indikator kinerja UMKM akibat COVID-19. Penurunan signifikan terjadi pada modal kerja (-54%), tenaga kerja (-37 %), pendapatan bulanan (-34%), tanah (-2%), dan mesin dan peralatan (-3%). Sementara itu, penurunan beban oerasional bulanan (-21%) secara statistik tidak signifikan. Kegiatan FGD menyimpulkan bahwa UMKM yang bertahan adalah yang memiliki cadangan kekayaan (hidden wealth) berupa tabungan, atau asset bangunan dan kendaraan yang dapat dijual atau digadaikan. Disaster risk management (DRM) dan penyusunan business continuity plan (BCP) merupakan hal terpenting bagi UMKM sehingga dapat bertahan dalam kondisi kritis saat bencana terjadi. Pemerintah harus mulai membantu UMKM dalam penyusunan hal tersebut. Social bonds dapat menjadi instrumen alternatif bagi pemerintah, untuk mengatasi persoalan ini.

Factors Affecting the Financial Performance of Credit Union in Indonesia Daniel Halomoan Simamora; Willem A. Makaliwe; Eugenia Mardanugraha; Zahra Kemala Nindita Murad
Indonesian Journal of Multidisciplinary Science Vol. 2 No. 4 (2023): Indonesian Journal of Multidisciplinary Science
Publisher : International Journal Labs

The research aims to find out a number of things in terms of macro and micro data that affect the condition of the financial performance of Credit union in all provinces in Indonesia both in terms of internal factors and external factors both in terms of microeconomics and macroeconomics. Therefore, the assessment of the financial performance of Credit union throughout Indonesia has an important role to play in terms of profitability ratios which are influenced by a number of variables. Empirical evidence in this study shows that the total assets, the age of the cooperative and the number of members have a positive and significant relationship to the profitability ratio of return on assets of credit union in Indonesia. In addition, Number of Branches, Merger Activities have a negative influence and a significant relationship to the financial performance of credit union. Meanwhile, macroeconomic variables such as provincial GRDP do not have a significant relationship and influence on the activity performance of the return on asset profitability ratio of credit union. This finding has an important role in improving services to credit cooperative members who are SMEs so that they can increase their contribution to the percentage of economic growth.

IMPACT ANALYSIS OF INCOME DIVERSIFICATION ON BANKING PROFITABILITY CASE STUDY OF BANKING IN INDONESIA Dian Rahmawati; Eugenia Mardanugraha
Jurnal Ekonomi Vol. 12 No. 02 (2023): Jurnal Ekonomi, Perode April - Juni 2023
Publisher : SEAN Institute

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

Banking is part of the financial system which has an important role to fund economic activities through its intermediary activities. Soundness of banking performance can be seen from the resilience of its capital to absorb risks. Meanwhile, capital is derived from several main components, including profit. In order to increase their capital, banks also make various efforts to increase profitability, including diversification of sources of income, especially from services charge. For this reason, this study examines whether income diversification affects the profit (profitability) of banking. In addition, this study also analyze other factors that affect bank profitability over the period of July 2018 – June 2022. This study uses data off all bank that operating in Indonesia as of June 2022 using generalized method of moment (GMM). The results of the study show that income diversification has a negative impact on banking profitability (ROA and ROE) and there are other variables that have a negative effect, that are third party funds and digital banking services. Meanwhile, credit and GDP growth have a positive effect on profitability. Based on KBMI, income diversification at KBMI 2 and KBMI 3 have a positive effect on profitability. However, KBMI 3 needs to pay attention to the impact of securities and foreign exchange transactions which cause a decrease in profitability. Whereas at KBMI 1, non-interest income has a negative effect and on KBMI 4, there is no significant effect. Meanwhile, other income, which is the main component of non-interest income, has no significant effect on profitability

Trade Policies Support for Palm Oil Downstreaming in Indonesia Saleh Husin; Chandra Wijaya; Hanief Saha Ghafur; T.M. Zakir Machmud; Eugenia Mardanugraha
JEJAK: Jurnal Ekonomi dan Kebijakan Vol 16, No 2 (2023): September 2023
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jejak.v16i2.47199

The optimal trade policies are essential to determine the balance between international trade liberalization and protection in order to advance palm oil. Protection is carried out by limiting the export of CPO, while the liberalization applies to raw supporting materials that are not produced in Indonesia. However, the export limitations need to be implemented carefully to avoid counterproductivity to the palm oil industry. This study recommended necessary trade policies to enhance palm oil downstreaming, as well as assessed existing efforts and current policies. This study estimated that a 5% reduction in upstream product export and a 15% increase in downstream product export could rise Indonesian foreign exchange earnings by approximately 7 million USD annually. Descriptive statistics and value-added calculations were employed in this study. Indonesia should restrict the Crude Palm Oil (CPO) towards the countries that exclusively involved in the palm oil trade, guaranteeing that Indonesian palm oil products reach nations where they are utilized. To protect palm oil downstreaming industries, including food, cosmetics, detergents, chemicals, and animal feed, it is vital to regulate imports. Furthermore, strategic trade policies should be enacted to facilitate the export of these refined products. Strengthened negotiation and diplomatic capabilities are also indispensable.Â

Economic Impact of Imposing Excise Tax on Plastic Bottles of Drinks Mardanugraha, Eugenia
Economics and Finance in Indonesia Vol. 63, No. 1
Publisher : UI Scholars Hub

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

This research simulates the effect of imposing excise tax on plastic container of drinks towards economic performance of beverage industry in Indonesia and governments Â´Zs tax revenue. The results showed that by imposing excise tax on plastic cups and plastic bottles the government would lose tax revenue from value added tax (PPN) and corporate income tax (PPh badan) more than they gain additional revenue from excise tax. Hence, imposing excise tax on drink containers should serve a clear purpose and an undeniable reason. This paper recommends the government to develop proper excise infrastructure to extend the goods or services to be taxed. This paper also recommends the required stages for extending the excise tax.

Indonesian's Position in the World Vegetable Oil Trade Saleh Husin; Chandra Wijaya; Hanief Saha Ghafur; Eugenia Mardanugraha; T. M. Zakir Machmud
Economics Development Analysis Journal Vol 12 No 4 (2023): Economics Development Analysis Journal
Publisher : Economics Development Department, Universitas Negeri Semarang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/edaj.v12i4.75154

Indonesia's position as the largest vegetable oil producer is very strong in the world trade. Nonetheless, the Netherlands and Malaysia trade the Indonesian palm oil, which leads to a significant generation of profits. This research demonstrates the role of Indonesia in the global trade of vegetable oil. It illustrates the rivalry among vegetable oil producers and exporters and the dependence of vegetable oil importers on Indonesia. The annual volume data of vegetable oil production, export, and import sourced from FAO STAT in 2010-2020 were used. The data were processed and analyzed using descriptive statistics. Palm oil is the most widely acquired vegetable oil. The production of this oil is plentiful, and its price is the most economical compared to other vegetable oils. Soybean oil was the main competitor of palm oil, with the primary producers being China and the United States. The negative campaign against Indonesian palm oil could not weaken Indonesia's competitiveness in the global vegetable oil trade. Indonesia should limit palm oil exports to Europe and Malaysia while increasing exports to countries that only use it for domestic consumption. Coconut oil had the most potential to increase vegetable oil production in Indonesia. Indonesia's prominence in the global trade of edible oil is supreme. However, this preeminent status may be deteriorated by nations engaged in the commerce of Indonesian palm oil. Therefore, Indonesia should continuously update the world vegetable oil trade map to emphasize the point and level of export elevation or reduction. Indonesia should also develop and increase the production of other vegetable oil products to strengthen its position in the world's oil trade.

Analysis of the Effect of Monetary Policy on Bank Profitability in Indonesia During the Pandemic Cahyadi, Roni; Mardanugraha, Eugenia
Journal of Social Research Vol. 3 No. 3 (2024): Journal of Social Research
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/josr.v3i3.1952

This research aims to analyze the impact of monetary policy on bank profitability in Indonesia during the pandemic using panel data from 93 banks in Indonesia with a time span from 2017-2022 using the Generalized Method of Moments (GMM) approach. The motivation for this research comes from the identification that the relationship between monetary policy and bank profitability is simultaneously very important because it has significant implications in efforts to maintain monetary stability and financial system stability. The research results show that there is a significant positive impact of monetary policy in the form of the BI7DRR policy interest rate on the ROA, ROE and NIM ratios in the 2017-2022 period. Furthermore, the BI7DRR interest rate policy had a significant positive effect on ROA and ROE before and during the pandemic with a greater influence during the pandemic for ROA and during the pre-pandemic period for the ROE ratio. This reflects that banks in Indonesia have not yet fully found a way to anticipate the impact of lower policy interest rates on their profitability. Meanwhile, BI7DRR only had a significant effect on NIM in the pre-pandemic period, considering that the decline in BI7DRR was not immediately responded to by banks by reducing credit interest rates.

Co-Authors Berly Berly Beta Yulianita Gitaharie Cahyadi, Roni Chaikal Nuryakin Chandra Wijaya Chandra Wijaya Daniel Halomoan Simamora Dian Rahmawati Ghafur, Hanief Saha Gitaharie, Beta Y. Junaidi Akhmad Mahi, Benedictus Raksaka Muliaman D Hadad Muliaman D. Hadad Saleh Husin Saleh Husin Su raya T. M. Zakir Machmud T.M. Zakir Machmud Widjaja, Muliadi Wijono, Setiawan Willem A. Makaliwe Zahra Kemala Nindita Murad Zenathan Adnin

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