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Analysis the Effect of Inflation, Gold Prices in Dollars, Rupiah Exchange to Bank Indonesia Monthly Rates After the COVID 19 Seputro, Dimas Nugroho Dwi; Dani, Andrea Tri Rian; Fauziyah, Meirinda; Adrianingsih, Narita Yuri; Putra, Fachrian Bimantoro
Mikailalsys Journal of Mathematics and Statistics Vol 2 No 3 (2024): Mikailalsys Journal of Mathematics and Statistics
Publisher : Darul Yasin Al Sys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/mjms.v2i3.3767

Abstract

The Covid-19 pandemic has caused economic turmoil to become uncertain, affecting all aspects of Indonesian society's lives. This research aims to determine the relationship between the inflation rate, the transaction price of the last issuer of gold and the rupiah exchange rate that occurred in the period after the Covid-19 pandemic on the monthly interest rate of Bank Indonesia, both together and each variable on the monthly interest rate of Bank Indonesia. This research details the research steps starting from classical assumption test analysis, multiple linear regression, coefficient of determination to hypothesis testing. The research results show that from the inflation rate, the price of gold in dollars together has a significant influence on the dependent variable, namely the Bank Indonesia monthly interest rate. Inflation and gold prices in dollars partially have a significant influence on Bank Indonesia's monthly interest rate, while the rupiah exchange rate variable partially does not have a significant influence on Bank Indonesia's monthly interest rate. Inflation is the most dominant variable in Bank Indonesia's monthly interest rate after the Covid-19 pandemic.
Penguatan Literasi Keuangan Bagi Guru LPI Al Falah Kota Batu Kurniasari, Irma; Maghfiroh, Refiana Dwi; Seputro, Dimas Nugroho Dwi
Jurnal Pengabdian Masyarakat Bangsa Vol. 3 No. 2 (2025): April
Publisher : Amirul Bangun Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59837/jpmba.v3i2.2216

Abstract

Literasi keuangan sangat penting bagi masyarakat Indonesia untuk mengelola keuangan pribadi dengan bijak, melindungi diri dari risiko seperti penipuan dan pinjaman ilegal, serta membentuk perilaku finansial jangka panjang yang sehat. Kalangan pendidik, termasuk guru, menghadapi berbagai tantangan dalam literasi keuangan, mulai dari kurangnya pemahaman dasar, keterbatasan dalam pemanfaatan teknologi digital, hingga faktor psikologis dan kebiasaan konsumtif. Oleh karena itu, diperlukan pendekatan komprehensif untuk meningkatkan literasi keuangan guru, salah satunya melalui pelatihan manajemen keuangan pribadi. Pelatihan ini mencakup materi dasar seperti penganggaran, tabungan, investasi, manajemen utang, dan pengendalian pengeluaran impulsif, serta mendorong diskusi dan kolaborasi antar peserta. Universitas Pembangunan Nasional Veteran Jawa Timur berkomitmen mendukung peningkatan keterampilan keuangan guru melalui program pengabdian masyarakat di LPI Al Falah, Kota Batu.
Mitigating Indonesia's Financial Market Risk: A Cluster-Based Approach to Payment System Infrastructure Seputro, Dimas Nugroho Dwi
Journal of Economics, Business, and Government Challenges Vol. 8 No. 2 (2025): Journal of Economics, Business, and Government Challenges [JoEBGC]
Publisher : Faculty of Economics and Bussiness, UPN "Veteran" Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33005/ebgc.v8i2.1614

Abstract

An analysis of Indonesia's payment systems and financial market infrastructure (FMI) reveals a landscape in the midst of a fundamental shift toward digitalization.  The study defines the regional disparities in this transformation and their respective risks. We clustered provinces using Euclidean distance and average linkage. The highest quality analysis resulted in a 3-cluster solution, with clusters reflecting low, moderate, and high risk profiles. Our findings indicate that the high-risk cluster (DKI Jakarta) is characterized by a concentration of financial activity to level up the systemic risk and cyber threat. Meanwhile, the moderate-risk cluster, which includes provinces such as West and Central Java, has a relatively high level of digital adoption but is not as extreme compared to the concentration in the first cluster. Last but not least, the large-volume, low-risk cluster with little transactions high level of digitalisation. This cluster is also the most exposed to economic marginalization, but sees less cyber risks than all of the other groups. Based on these results, the study argues that gaining a deeper knowledge of these distinct cluster-specific risk profiles is imperative in tailoring bespoke targeted risk mitigation strategies which can ultimately help steer Indonesia's financial ecosystem towards greater stability and inclusivity for all its citizens alike.
Analisis Arus Kas Operasional dan Likuiditas Jangka Pendek (Studi Kasus: Perusahaan Ritel Mainan di Surabaya) Widyadana, Ayudhia Sakha; Seputro, Dimas Nugroho Dwi
AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis Vol. 5 No. 3 (2025): AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis
Publisher : Perhimpunan Sarjana Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/jmeb.v5i3.1521

Abstract

Cash flow is a critical indicator of a company’s short-term financial health, especially for retail businesses with high transaction volumes and fluctuating cash movements. Toy retail companies, in particular, often face challenges in maintaining operational liquidity due to inconsistent sales cycles and fixed operational expenses. This study aims to analyze the operational cash flow condition and the short-term liquidity capacity of a toy retail company in Surabaya. The research adopts a quantitative descriptive approach using secondary data derived from the company’s cash flow statement for the first quarter of 2025. Data were analyzed through trend analysis (month-to-month growth), operating cash flow to current liabilities ratio (OCF/CL), and cash ratio to assess liquidity adequacy. The results show that the company’s operating cash flow was unstable, with significant fluctuations observed across the three months. The OCF/CL ratio remained below 1 in all periods, indicating that operating cash flow alone was insufficient to cover short-term liabilities. Meanwhile, the cash ratio consistently exceeded 1, suggesting that liquidity was supported by cash reserves rather than operating performance. This discrepancy highlights a potential risk of future liquidity stress if reliance on cash reserves continues. The study concludes that while the company appears financially stable on the surface, it must improve operational cash flow management to ensure sustainable liquidity. Future research should consider a longer observation period and the inclusion of additional financial ratios for a more comprehensive assessment.
Pendampingan Penyusunan Bisnis Plan Pada Bumdes Sri Rejeki Menuju Perekonomian Lokal Yang Berkelanjutan Oktafia, Renny; Seputro, Dimas Nugroho Dwi; Ary Fauziah Amini
Rengganis Jurnal Pengabdian Masyarakat Vol. 5 No. 2 (2025): November 2025
Publisher : Pendidikan Matematika, FKIP Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/rengganis.v5i2.913

Abstract

Wilayah pedesaan memiliki potensi ekonomi yang cukup besar. Salah satunya desa Nglurup di kabupaten Tulungagung, yang memiliki tiga sektor unggulan, yaitu pariwisata alam, peternakan sapi, dan perkebunan. Untuk memajukan potensi unggulan yang telah dimiliki, maka dibentuklah BUMdes Sri Rejeki sebagai penggerak dalam mengelola potensi yang ada. Namun, BUMdes masih memiliki kendala dalam mengelolanya karena belum adanya perencanaan bisnis yang terarah. Kegiatan pengabdian masyarakat ini bertujuan untuk meningkatkan kemampuan pengurus BUMDes dalam menyusun bisnis plan sebagai strategi pengembangan ekonomi lokal yang berkelanjutan. Metode pelaksanaan yang digunakan adalah pendekatan Asset-Based Community Development (ABCD) dengan tahapan pelatihan, pendampingan, dan praktik penyusunan rencana usaha berbasis potensi lokal. Berdasarkan hasil pre test dan post test menunjukkan peningkatan signifikan pada kemampuan pengurus BUMDes dalam memahami struktur dan fungsi rencana usaha, melakukan analisis SWOT, serta merancang strategi pengembangan usaha yang terukur. Selain itu, kegiatan ini mendorong terbentuknya sinergi antara BUMDes, pemerintah desa, dan masyarakat dalam mengelola potensi ekonomi lokal yang berkelanjutan sesuai dengan Sustainable Development Goals (SDGs)