Articles
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
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DOI: 10.34308/eqien.v14i2.1977
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
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DOI: 10.36636/eduabdimas.v4i2.6886
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
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DOI: 10.24042/revenue.v5i1.20404
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.
Pemetaan Perilaku Moral Hazard di Bank Syari'ah : Studi Bibliometrik Vosviewer dan Literature Review
Bagaskara, Doni Yusuf;
Rohmadi, Rohmadi;
Prajawati, Maretha Ika
Ecobankers : Journal of Economy and Banking Vol. 5 No. 1 (2024): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon
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DOI: 10.47453/ecobankers.v5i1.1892
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.
Pengaruh Kecerdasan Spiritual, Pendapatan, dan Hedonism Lifestyle terhadap Pengelolaan Keuangan: Studi kasus guru pondok pesantren An-Nur 3 “murah banyu” malang
Afif, Abdullah;
Ika Prajawati, Maretha
Jurnal Manajemen dan Inovasi (MANOVA) Vol. 6 No. 1 (2023): Januari
Publisher : Management Department, Faculty of Islamic Economics and Business, Universitas Islam Negeri Sunan Ampel Surabaya
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DOI: 10.15642/manova.v6i1.1082
Tujuan penelitian ini adalah untuk menganalisis bagaimana pengaruh kecerdasan spiritual, pendapatan, dan hedonism lifestyle terhadap pengelolaan keuangan guru Pondok Pesantren An-Nur 3 “Murah Banyu” Malang. Penelitian ini berjenis kuantitatif deskriptif. Populasi yang dipilih pada penelitian ini adalah guru Pondok Pesantren An-Nur 3 “Murah Banyu” Malang yang berjumlah 70 orang. Untuk sampel dalam penelitian ini adalah 40 orang, diperoleh dengan menggunakan formula Slovin dan ditentukan dengan teknik random sampling. dan data dikumpulkan dengan menggunakan penyebaran kuesioner, dan dokumentasi, untuk teknik analisis data yang digunakan ialah uji regresi linier berganda menggunakan aplikasi SPSS versi 25.0. Hasil pada penelitian ini menunujukkan hedonism lifestyle tidak berpengaruh pada pengelolaan keuangan, sedangkan kecerdasan spiritual, dan pendapatan berpengaruh terhadap pengelolaan keuangan guru Pondok Pesantren An-Nur 3 “Murah Banyu” Malang. Kecerdasan spiritual, pendapatan, dan hedonism lifestyle secara simultan berpengaruh terhadap pengelolaan keuangan guru Pondok Pesantren An-Nur 3 “Murah Banyu” Malang.
DAMPAK TINGKAT LITERASI KEUANGAN, FOMO, DAN OVERCONFIDENCE TERHADAP PENGAMBILAN KEPUTUSAN INVESTASI MAHASISWA UIN MALANG
Mochamad Riski Fajar Kurniawan;
Maretha Ika Prajawati
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 3 No. 10 (2025): Oktober
Publisher : CV. KAMPUS AKADEMIK PUBLISING
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DOI: 10.61722/jiem.v3i10.6694
The main objective of this study is to examine how 2022 management students at the Faculty of Economics, UIN Maulana Malik Ibrahim Malang, make investment decisions related to financial literacy, overconfidence, and FOMO. Purposive sampling was used to select 72 respondents for this quantitative study. Data were collected through Google Forms, and IBMiSPSS Statistics 23 wasiused as the analysis tool for the multiple linear regression method. The findings indicate that although FOMO has an insignificant positive impact on investmentidecisions, financial literacy and overconfidence have a significantipositive impact on investmentidecisions. These results highlight the importance of understanding financial literacy and managing psychological biases when making investment decisions.
Pengaruh CR dan NPM terhadap ROA dengan DER sebagai Moderasi pada Perusahaan Makanan BEI 2020-2024
Amaliatul Khasanah;
Maretha Ika Prajawati
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 3 No. 10 (2025): Oktober
Publisher : CV. KAMPUS AKADEMIK PUBLISING
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DOI: 10.61722/jiem.v3i10.6757
This research is driven by the influence of financial ratios on profitability levels in manufacturing companies in the food subsector. The primary objective of this study is to analyze the impact of the CR and NPM on ROA, with the DER acting as a moderating variable that has the potential to strengthen or enhance this relationship in food companies listed on the Indonesia Stock Exchange (IDX) during the 2020-2024 period. The applied method is quantitative, with a purposive sampling technique utilizing data from annual financial reports. The research sample includes 20 companies in the food subsector, selected based on certain criteria. The research findings indicate that the CR has no significant effect on ROA, and DER also has no significant impact on CR or NPM. Conversely, DER has a significant positive effect on ROA, and NPM also shows a significant positive effect on ROA. These results emphasize the crucial role of effective debt management and increasing NPM as key elements in improving the profitability and financial performance of food companies in Indonesia.
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)
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DOI: 10.29040/ijebar.v8i1.12588
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.
Pengaruh Diversitas Gender dan Ukuran Perusahaan Terhadap Nilai Perusahaan dengan Pemoderasi Modal Intelektual pada Emiten Sub PRoperty dan Real Estate 2018-2022
Maghfirah, Ana;
Ika Prajawati, Maretha
Indonesian Journal of Islamic Economics and Business Vol. 8 No. 1 (2023): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi
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DOI: 10.30631/ijoieb.v8i1.1806
This study focuses on Intellectual Capital as a moderator of Gender Diversity and Firm Size on Firm Value. The aim of this study is to look at the effect of gender diversity and company size moderated by intellectual capital on company value in the property and real estate sub-sector listed on the Indonesia Stock Exchange in 2018-2022. The type of research used is quantitative. The population in this study is real estate property companies listed on the Indonesia Stock Exchange in 2018-2022. In this study, there were 40 companies that were sampled based on the sampling criteria set by the researcher. The data collection analysis method uses descriptive statistical analysis and moderated regression analysis (MRA) using Statistical Product and Service Solutions (SPSS) Software. The results of this study indicate that gender diversity and firm size have a significant effect on firm value. Meanwhile, intellectual capital as measured using the Value Added Intellectual Coefficient (VAICTM) can strengthen the relationship between gender diversity and company value. Meanwhile, the size of companies with intellectual capital is not able to moderate the value of the company.
Analisis Pengaruh Makroekonomi Terhadap Capital Adequency Ratio (CAR) pada Bank Konvensional yang Terdaftar di BEI pada Periode 2020-2024
Risalatul Mu’awanah;
Maretha Ika Prajawati
Jurnal Manajemen Bisnis Digital Terkini Vol. 2 No. 1 (2025): Januari : Jurnal Manajemen Bisnis Digital Terkini
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia
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DOI: 10.61132/jumbidter.v2i4.920
Banking stability plays a crucial role in maintaining financial system resilience and supporting national economic growth. Fluctuations in macroeconomic factors often impact banks' financial health, particularly their capital. This study aims to explore how macroeconomic factors such as inflation, central bank benchmark interest rates, and gross domestic product (GDP) impact capital adequacy ratio (CAR) in conventional banks listed on the Indonesia Stock Exchange (IDX) from 2020 to 2024. This study employed a quantitative approach with an associative design, utilizing secondary data. The sample size for this study was 43 conventional banks. Data analysis was performed using multiple linear regression using SPSS. The findings indicate that inflation and benchmark interest rates do not significantly impact financial health, while GDP indicators show a modest positive trend. These findings confirm that macroeconomic conditions are not yet a dominant factor in determining bank capital adequacy. Therefore, it is suspected that internal factors such as risk management, profitability, and operational efficiency play a greater role in maintaining bank capital stability.