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All Journal Jurnal Reviu Akuntansi dan Keuangan Jurnal Ilmu Manajemen (JIM) IQTISHODUNA Jurnal Keuangan dan Perbankan Jurnal Ekonomi Modernisasi Indonesian Journal of Business and Entrepreneurship (IJBE) Local Wisdom : Jurnal Ilmiah Kajian Kearifan Lokal Jurnal Ilmiah Mahasiswa Ekonomi Manajemen Jurnal Ilmiah Ekonomi Islam Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Jurnal Pemberdayaan Masyarakat Madani (JPMM) Jurnal EMT KITA Jurnal Manajemen STIE Muhammadiyah Palopo MANAJERIAL JPM (Jurnal Pemberdayaan Masyarakat) Syntax Literate: Jurnal Ilmiah Indonesia Jurnal Riset Akuntansi dan Keuangan JURNAL AKUNTANSI, EKONOMI dan MANAJEMEN BISNIS Jurnal Ilmiah Wahana Akuntansi EKONOMIS : Journal of Economics and Business Management and Economics Journal (MEC-J) JURNAL NUSANTARA APLIKASI MANAJEMEN BISNIS EQIEN - JURNAL EKONOMI DAN BISNIS JURISMA: Jurnal Riset Bisnis & Manajemen Jambura Equilibrium Journal Jurnal Samudra Ekonomi dan Bisnis Jurnal Tabarru': Islamic Banking and Finance Syarikat : Jurnal Rumpun Ekonomi Syariah EKUITAS (Jurnal Ekonomi dan Keuangan) JAE (Jurnal Akuntansi dan Ekonomi) Jurnal Pendidikan Edutama Procuratio : Jurnal Ilmiah Manajemen EkBis: Jurnal Ekonomi dan Bisnis International Journal of Economics, Business and Accounting Research (IJEBAR) Dialektika: Jurnal Ekonomi dan Ilmu Sosial Revenue: Jurnal Manajemen Bisnis Islam EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Jurnal Fokus Manajemen Bisnis Jurnal Ecogen Journal of Management and Entrepreneurship Research Jurnal Manajemen dan Inovasi (MANOVA) Indonesian Journal of Islamic Economics and Business Jurnal Akuntansi dan Keuangan J-ABDIPAMAS (Jurnal Pengabdian Kepada Masyarakat) Journal of Accounting Research, Organization and Economics (JAROE) Jurnal Ilmiah Ekonomi dan Manajemen Jurnal Edukasi Pengabdian Masyarakat: EDUABDIMAS Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Journal of Finance and Islamic Banking Ecobankers : Journal of Economy and Banking
Maretha Ika Prajawati
Universitas Islam Negeri Maulana Malik Ibrahim Malang
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Moderation of Religiosity and Factors that Influence Tourists' Intentions to Visit Halal Tourism Destinations on Lombok Island Niam, Siti Khozinatun; Slamet, Slamet; Prajawati, Maretha Ika
Jurnal Ilmiah Ekonomi Islam Vol 10, No 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.11582

Abstract

Konsep halal saat ini menjadi tren dalam perkembangan ekonomi syariah dunia, yang memunculkan segmen baru dalam pariwisata, yaitu wisata halal, yang kini dianggap sebagai ceruk pasar baru yang menjanjikan. Hal ini juga menjadi peluang besar untuk meningkatkan kunjungan wisatawan sekaligus menjadi lokomotif pertumbuhan ekonomi di bidang pariwisata halal. Oleh karena itu, Penelitian ini bertujuan untuk mengidentifikasi faktor-faktor yang mempengaruhi niat wisatawan untuk mengunjungi destinasi halal di Pulau Lombok, dengan religiusitas sebagai variabel moderasi. Metode penelitian yang digunakan adalah kuantitatif dengan pendekatan penelitian eksplanatori yang dirancang untuk menunjukkan kontribusi variabel eksogen terhadap variabel endogen. Populasi penelitian ini terdiri dari wisatawan yang berkunjung ke destinasi wisata halal di Pulau Lombok, dan metode pengambilan sampel menggunakan metode purposive sampling dengan kriteria yang telah ditentukan, dan total sampel sebanyak 280 responden. Data yang terkumpul akan dianalisis dengan menggunakan software SmartPLS 3. Hasil penelitian menunjukkan bahwa norma subjektif, sikap, citra destinasi, motivasi berwisata berpengaruh signifikan dan positif terhadap niat wisatawan untuk berkunjung ke destinasi wisata halal di Pulau Lombok. Sedangkan persepsi perilaku tidak berpengaruh signifikan dan positif terhadap niat wisatawan untuk mengunjungi destinasi wisata halal di Pulau Lombok
Entrepreneurship Orientation and Business Performance: Do Business Strategy and Government Policy Matter? Aisyah, Esy Nur; Prajawati, Maretha Ika; Yuliati, Yuliati
Indonesian Journal of Business and Entrepreneurship (IJBE) Vol. 11 No. 1 (2025): IJBE, Vol. 11 No. 1, January 2025
Publisher : School of Business, IPB University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/ijbe.11.1.171

Abstract

Background: Entrepreneurial-oriented business actors are better able to innovate and create products or services that align with market needs. It helps them stay relevant and competitive. Entrepreneurial orientation is closely related to the competitiveness of companies and the acquisition of competitive advantages. Thus, entrepreneurial orientation is critical to the sustainability of MSMEs and contributes to overall economic growth.Purpose: This research investigates the influence of entrepreneurial organizations on the performance of halal food-based Micro, Small, and Medium Enterprises (MSMEs) in developing countries. This study further explains business strategy as a mediating role and government policy as a moderator in the relationship between entrepreneurial orientation and business performance. Design/methodology/approach: This research uses hierarchical regression techniques using cross-sectional data collected from March to April 2024 from 180 MSMEs based on the halal food sector in Malang City, Indonesia. This study relies on resource-based theory, which provides a theoretical lens to test the hypothesized relationships between EO, business strategy, government policy, and halal food business performance. Findings/Result: The findings show that business strategy and government policy are essential in the relationship between entrepreneurial organizations and business performance. Namely, EOs of halal food businesses can improve business performance both directly and indirectly through their business strategies. Government policies can also increase EO's influence on their business performance. Conclusion: This study has practical implications for management and policymakers. Regarding its practical implications for management, research shows that government policies strengthen the influence of EO on business performance. Therefore, halal food entrepreneurs can take advantage of the institutional environment, such as government policies, programs and norms, and societal norms, to develop and strategically improve their business performance.Originality/value (State of the art): This study emphasizes the importance of long-term growth over short-term profits for MSMEs. The capacity for long-term development is considered necessary for MSMEs, and this study reveals the impact of entrepreneurial orientation on MSME growth and performance both directly and through business strategies with strengthening from government support. Keywords: entrepreneurial orientation, business performance, business strategy, government policy
TEST OF DIFFERENT LEVELS OF GENERAL BANKING HEALTH LISTED ON THE INDONESIAN STOCK EXCHANGE 2018-2022 USING THE RGEC METHOD Setya Pradhana, Moch Aldi; Prajawati, Maretha Ika
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8, No 1 (2024): IJEBAR : Vol. 8, Issue 1, March 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i1.12588

Abstract

This research aims to analyze the comparative level of health of commercial banks using the RGEC method: (Risk profile, Good Cooperative Governance, Earnings and Capital). The use of the RGEC method has been determined by BI (Bank Indonesia) and has been used since 2012 and is stipulated in PBI number 13/1/PBI/2011. The objects used in this research are Islamic commercial banks with a total of 9 banks that have the largest assets and are registered on the BEI (Financial Services Authority) and have annual reports and GCG (Good Corporate Governance) reports. Research that uses quantitative methods uses comparative analysis and uses non-parametric tests. Based on the research results, show that the risk profile variable is assessed using LDR (Loan to Deposit Ratio), the GCG variable comes from PDN Net Open Exchange Position, the Earnings variable uses ROA (Return On Assets), the Capital variable is based on risk profile factors which are measured using CAR (Capital Adequacy). Ratio), Bank health variables are measured using NOM (Net Operating Margin). Variables that have ratios because this research uses ratio values as a comparison. Significant comparison results indicate that there are significant differences in each variable.
The Effect of Internal Bank Aspects to Sharia Bank Performance with Financing Risk as Mediator Lestari, Nimas Dewi; Qanita, Ariza; Suyuti, Mufit; Prajawati, Maretha Ika; Ningtyas, Mega Noerman
EkBis: Jurnal Ekonomi dan Bisnis Vol. 8 No. 2 (2024): EkBis: Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/EkBis.2024.8.2.2279

Abstract

This study aims to examine the factors that affect financing risk and its influence on the financial performance (profit) of Islamic banking in Indonesia. The study includes an overview of internal conditions including capital elements and bank operating costs. This study uses a quantitative method with a path analysis approach. The object of study is Islamic general banking in Indonesia which is registered with the Financial Services Authority (OJK) for the 2019-2023 period. The sampling technique uses the purposive sampling technique with a total sample of 9 Islamic commercial banks in Indonesia. The results of this study show that CAR has a significant effect on NPF, OER does not have a significant effect on NPF, directly CAR and NPF do not have a significant effect on ROA, directly OER has a significant effect on ROA, indirectly through NPF, CAR and OER do not have a significant effect on ROA. The results of this study conclude that Islamic public banks in Indonesia must be able to efficiently manage capital reserves and company operating costs. This aims to maintain the stability of banking performance and ensure that Islamic banks can mitigate the level of risk that occurs in banking operational activities.
Pemetaan Perilaku Moral Hazard di Bank Syari'ah : Studi Bibliometrik Vosviewer dan Literature Review Doni Yusuf Bagaskara; Rohmadi Rohmadi; Maretha Ika Prajawati
Ecobankers : Journal of Economy and Banking Vol 5 No 1 (2024): Ecobankers : Journal Economy and Perbankan
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

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

Abstract

Penelitian ini bertujuan untuk mengetahui pemetaan penelitian seputar perilaku moral hazard di bank syari'ah dengan pendekatan mix-method, yaitu studi bibliometrik VOSviewer dan literature review. “Teknik analisis data meliputi: (1) memetakan jumlah sebaran publikasi jurnal seputar Moral Hazard menggunakan Microsoft Excel dan Mendeley Dekstop berdasarkan tahun penerbitan; (2) memetakan hasil visualisasi jaringan bibliometrik dan tren publikasi jurnal seputar Moral Hazard pada bank syari’ah menggunakan software algoritma VOSviewer (Visualization of Similarities) berdasarkan jumlah kluster dan itemnya; dan (3) memetakan topik penelitian seputar Moral Hazard menggunakan studi literature. Hasil penelitian menunjukkan bahwa: (1) berdasarkan pemetaan jumlah sebaran publikasi jurnal, terdapat 500 publikasi jurnal seputar moral hazard kurun waktu 2014 - 2023; (2) berdasarkan pemetaan studi bibliometrik VOSviewer, hasil visualisasi jaringan seputar portofolio optimal terbagi menjadi 7 kluster dan 100 item topik; (3) berdasarkan pemetaan studi literature review, terdapat terdapat 2 topik seputar moral hazard yang sering muncul pertama finance dan yang kedua adalah efficiency. Implikasi dan kontribusi penelitian ini adalah memetakan topik-topik penelitian seputar moral hazard pada bank syari’ah yang sering ataupun jarang diteliti oleh peneliti, sehingga dapat menjadi rujukan bagi peneliti setelahnya.
Financial Literacy and Cognitive Biases: Key Determinants of Gen Z Investment Choices Ningtyas, Mega; Prajawati, Maretha Ika; munir, Misbahul
Journal of Finance and Islamic Banking Vol. 7 No. 2 (2024)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v7i2.9818

Abstract

This study investigates the influence of financial literacy and cognitive biases on investment decisions among Gen Z investors in Indonesia. A cross-sectional descriptive survey design was employed, guided by a positivist epistemology. Data were collected from 229 respondents through an online questionnaire and analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS) to test the hypotheses. The results reveal that financial literacy and cognitive biases significantly impact investment decisions. Higher financial literacy is associated with more rational and informed investment choices. Conversely, cognitive biases, including hindsight bias and the illusion of control, strongly influence decision-making processes. These findings highlight the importance of targeted financial education programs to enhance financial literacy and reduce the effects of cognitive biases, enabling Gen Z investors to make better financial decisions. This study provides valuable insights for policymakers and educators to support the financial well-being of the younger generation.
The Monetary Policy in a Dual Banking System, Islamic and Conventional Banks: Bibliometric Analysis Pribadi, Dandi Tegas; Suprayitno, Eko; Prajawati, Maretha Ika
Jambura Equilibrium Journal Vol 7, No 2 (2025): Vol 7. No 2. July 2025
Publisher : Gorontalo State University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37479/jej.v7i2.30523

Abstract

This study examines the bibliometric analysis of monetary policy in a dual banking system, encompassing Islamic and conventional banks. Monetary policy is a central bank instrument for managing economic stability through interest rate control, inflation regulation, and liquidity management. The study aims to identify publications related to monetary policy in the context of Islamic and conventional banks and to understand research trends in this field. The bibliometric analysis method was employed using VOSviewer software, with data sourced from the Dimensions database spanning 2015-2024. The findings indicate that the United States and Indonesia are the leading countries in terms of publication volume and total link strength. Additionally, the Journal of Islamic Accounting and Business is identified as the most influential journal in this area. Keywords such as Monetary Policy, Dual Banking System, and Islamic Banks frequently appear as dominant research themes. The most influential article is Aysan (2017), which analyzes interest rate sensitivity in Turkey's dual banking system. The study concludes that monetary policy plays a crucial role in both banking systems, with distinct transmission mechanisms. Future research is recommended to utilize broader datasets and integrate bibliometric analysis with qualitative or quantitative approaches to deepen the interpretation of interrelated research topics.
IHSG dan Tantangan Ekonomi Global: Moderasi Suku Bunga The Fed dalam Pengaruh Ekonomi Makro (2019-2023) Prista, Alexchandra Nurfadila; Ika Prajawati, Maretha
Eqien - Jurnal Ekonomi dan Bisnis Vol 14 No 2 (2025): Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam DR KH EZ Mutaqien

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34308/eqien.v14i2.1977

Abstract

This study aims to examine the impact of macroeconomic factors, including the Rupiah exchange rate, interest rates, inflation, and global oil prices, on the Jakarta Composite Index (IHSG), with the Fed's interest rate serving as a moderating variable. A quantitative method is employed using secondary data from the 2019-2023 period. The results indicate that domestic interest rates and global oil prices significantly affect the IHSG, while the Rupiah exchange rate and inflation do not. Moreover, the Fed's interest rate moderates the effects of domestic interest rates and global oil prices on the IHSG but does not moderate the influence of the Rupiah exchange rate and inflation. These findings suggest that the impact of macroeconomic factors on the IHSG in Indonesia does not always align with the predictions of Signaling Theory and the Mundell- Fleming Model.
OPTIMALISASI POTENSI USAHA UMKM MELALUI PEMETAAN PRODUK UMKM DI DESA PENYANGGA GUNUNG BROMO, DESA PUSPO, KABUPATEN PASURUAN Prajawati, Maretha Ika; Aisyah, Esy Nur; Mayasari, Nur Aulia Keysha
Jurnal Edukasi Pengabdian Masyarakat Vol 4 No 2 (2025): APRIL 2025
Publisher : FIP UNIRA MALANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36636/eduabdimas.v4i2.6886

Abstract

UMKM adalah bidang yang mempunyai peran yang potensial untuk dapat membantu pertumbuhan perekonomian nasional. Desa Puspo, sebagai penyangga Kawasan wisata Gunung Bromo memiliki potensi luar biasa dalam pengembangan UMKM. Untuk mengetahui potensi UMKM agar dapat lebih berkembang dan lebih dikenal oleh masyarakat luas maka dilakukan kegiatan pemetaan. Beragam potensi yang ada di Desa Puspo memberikan kesempatan yang besar bagi pengembangan potensi UMKM. Oleh karena itu penting untuk dilakukan pemetaan potensi UMKM di Desa Puspo dalam rangka meningkatkan daya saing dan juga meningkatkan kesejahteraan ekonomi masayarakat Desa Puspo. Dengan adanya pemetaan potensi UMKM ini diharapkan akan dapat mengetahui potensi dan kendala UMKM serta akan dapat membantu mengembangkan UMKM yang ada di Desa Puspo.
FINANCIAL MANAGEMENT OF SANTRIWATI Mahbubah, Aisy Nafisatul; Prajawati, Maretha Ika
REVENUE: Jurnal Manajemen Bisnis Islam Vol. 5 No. 1 (2024)
Publisher : Sharia Business Management UIN Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/revenue.v5i1.20404

Abstract

This research aims to analyze the financial management of female students at Islamic Boarding School Salaf Hidayatul Mubtadi'in Kembang. This qualitative research uses case studies and primary data obtained from interviews with female students at the Islamic Boarding School Salaf Hidayatul Mubtadi'in Kembang, Singosari District, Malang Regency. This research used a sample consisting of 10 female students as informants. Data was collected by interviews using random sampling techniques. The results of this research show that financial management among female students can make an individual more careful in managing their finances because they already know how to manage their emotions well in managing expenses. So they will become wiser in making decisions about using money and spending according to their needs, not according to their desires. Financial knowledge and personal finance management skills are very important in everyday life. An individual must be able to manage his own finances. Apart from that, the younger generation is a group that has a large contribution to the economy.
Co-Authors Abdullah Afif Abdullah Afif Adhawiyah, Robiatul Afifah Rahmawati Sugondo Eka Putri Agus Indiyanto Agustine, Siti Revina Amaliatul Khasanah Ana Maghfirah Badrus Sholeh Bagaskara, Doni Yusuf Basir S Basir S. Bumulo, Frahmawati Burhani, Ahmad Furqon Choirul Rozi Damayanti, Alvina Devika, Ferdiya Devika, Ferdiya Didik Wahyudi Doni Yusuf Bagaskara Doni Yusuf Bagaskara Dwi Susanti Dzakirah, Nadiva Eko Suprayitno Esy Nur Aisyah Esy Nur Aisyah Fani Firmansyah Fani Firmansyah Febi Suprobo Fina Rosyada Firdian, Rieza Fitriyah Fitriyah Hana Rosita Nury Hulaila, Aini Idhofi Khusna Baihaqqi Indah Yuliana Kharisma Salsabila Kumalasari, Putri Lambertus P Wairisal Laylatul Fauziyah Lestari, Nimas Dewi Liana Nurul Afifah Lutfiatul Inayah Mahbubah, Aisy Nafisatul Maulidya Al Afshana, Dida Mayasari, Nur Aulia Keysha Mega Noerman Ningtyas Misbahul Munir Misbahul Munir Mochamad Riski Fajar Kurniawan Muhammad Nashih Muis, Ikhza Syafa Nadira Hujahturrohmah Al Khanza Nia Zairotul Ma'rifah Niam, Siti Khozinatun Ningtyas, Mega Pratiwi, Novita Rahayu Pribadi, Dandi Tegas Prista, Alexchandra Nurfadila Puji Endah Purnamasari Puspitarini, Natasya Qanita, Ariza Rizka Nur Adila Maulida Rohmadi Rohmadi Rohmadi Rohmadi Rohmadi Rohmadi Romi Maulid Azhari Rossya fina Rohmaturrohmania S, Basir S, Basir Sagena, Basir Sahrian Putra*, Muhammad Rafli Salim Al Idrus Setiani Setiani Setiani Setya Pradhana, Moch Aldi Slamet . Suryaningtiyas Surya Pratiwi Suyuti, Mufit Wahyu Febri Ramadhan Sudirman Yuliati - Yusuf, Mirna