Article Per Year (5 Year)
p-Index From 2021 - 2026
8.476
P-Index
This Author published in this journals
All Journal Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies EQUILIBRIUM IQTISHADIA el-Jizya: Jurnal Ekonomi Islam Jurnal Al-Qardh Al-Mustashfa Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah MAHKAMAH: Jurnal Kajian Hukum Islam Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Jurnal Global Citizen : Jurnal Ilmiah Kajian Pendidikan Kewarganegaraan MALIA IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Nizham Journal of Islamic Studies At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Adzkiya : Jurnal Hukum dan Ekonomi Syariah Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Abdimas UNWAHAS : Jurnal Pengabdian Masyarakat UNWAHAS Dimasejati: Jurnal Pengabdian Kepada Masyarakat KONSEP DAN TUJUAN PADA TINJUAN BISNIS SYARIAH BERNAS: Jurnal Pengabdian Kepada Masyarakat Indonesian Journal of Islamic Business and Economics (IJIBE) Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Jurnal Ilmu Manajemen Retail Universitas Muhammadiyah Sukabumi (JIMAT UMMI) El-Iqtishady Jurnal Akuntansi dan Keuangan (JAK) Al-Qashdu: Jurnal Ekonomi dan Keuangan Syariah AL-MULTAZIM : Jurnal Manajemen Bisnis Syariah Salam (Islamic Economics Journal) el-Jizya: Jurnal Ekonomi Islam Mabsya: Jurnal Manajemen Bisnis Syariah Islamic Economic and Business Journal Akademika : Jurnal Pemikiran Islam Journal of Comprehensive Science PERADABAN JOURNAL of ECONOMIC and BUSINESS Journal of Accounting and Finance Management (JAFM) Jeksyah Jurnal Manajemen, Akuntansi, Ekonomi Velocity: Journal of Sharia Finance and Banking Equilibrium: Jurnal Ekonomi Syariah Journal of Social Science and Business Studies Jurnal Global Ilmiah Jurnal Ekonomi Bisnis Antartika Baashima: Jurnal Bisnis Digital, Akuntansi, Kewirausahaan, dan Manajemen AB-JOIEC: Al-Bahjah Journal of Islamic Economics Jurnal Inovasi Global JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Insight : International Journal of social research Journal of Sharia Accounting and Tax (JSAT Wealth: Journal of Islamic Banking and Finance Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman Jurnal Nusa Manajemen Jurnal Kajian Ekonomi dan Perbankan Syariah Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Journal of Sharia Tourism and Hospitality Cirebon International Journal of Economics and Business Journal of Sharia Micro Enterprise and Cooperation Al-Wajih: The Journal of Islamic Studies
Wartoyo Wartoyo
(Scopus ID 59361997400) UIN Siber Syekh Nurjati Cirebon
Religion Agriculture, Biological Sciences & Forestry Humanities Astronomy Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Dentistry Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Neuroscience Nursing Public Health Social Sciences Veterinary Other

Published : 100 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 100 Documents
Search

 4   5   6   7   8 
ANALISIS KINERJA KEUANGAN PADA PT BANK SYARIAH MANDIRI TAHUN 2012 wartoyo wartoyo
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 6, No 2 (2014)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v6i2.264

Abstract

AbstrakPT Bank Syari’ah Mandiri yang bergerak dalam bidang jasa keuangan memiliki tujuan agar dapat menjadi sektor usaha yang dapat menjadi perusahaan jasa yang bermutu tinggi dan profesional. Oleh karena itu, penulis dituntut untuk mempu menilai kondisi dan perkembangan PT Bank Syari’ah Mandiri melalui analisis rasio laporan keuangan agar dapat mengetahui apakah PT Bank Syari’ah Mandiri dapat mempertahankan keberadaaan perusahaan dan mampu meningkatkan pertumbuhan perusahaan ditengah pertumbuhan ekonomi yang semakin pesat dan persaingan usaha yang semakin ketat. Analisis rasio laporan keuangan yang lazim digunakan adalah analisis rasio likuiditas atau rasio modal kerja, analisis rasio solvabilitas, dan analisis rasio profitabilitas. Analisis rasio likuiditas merupakan rasio yang digunakan untuk mengukur kemampuan perusahaan dalam memenuhi kewajiban jangka pendek perusahaan. Dari hasil  analisis kinerja keuangan dan permodalan diatas, maka dapat disimpukan bahwa Bank Syariah Mandiri adlah bank yang sangat sehat dari sisi permodalan dan stabil dalam posisi likkuiditas, solvabilitas maupun profitabilitasnyaKata Kunci : Analisis, Kinerja, Keuangan, Modal dan BSM.
Comparing Pre and Post-Merger Performance of Bank Syariah Indonesia: A Maqashid Shariah Index Analysis Inarawi, Wiwi; Djuwita, Diana; Wartoyo, Wartoyo; Wahyuningsih, Nining
Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Vol 1, No 1 (2024): Special Edition: International Conference on Islamic Economics (ICOIE)
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v1i1.10779

Abstract

This study evaluates the performance impact of Indonesia's landmark Islamic bank merger by comparing pre and post-merger performance using the Maqashid Shariah Index (MSI) framework. The research analyzes performance data from the three merged banks - Bank Rakyat Indonesia Syariah (BRIS), Bank Negara Indonesia Syariah (BNIS), and Bank Syariah Mandiri (BSM) - for five years prior to their merger (2016-2020), and compares it with two years of post-merger data (2021-2022) from Bank Syariah Indonesia (BSI). Using a quantitative approach with descriptive verification methods, the study employs Simple Additive Weighting and Mann-Whitney U Test to analyze performance across three MSI dimensions: education of individuals (Tahzib al-Fard), establishment of justice (Iqamah al-Adl), and promotion of welfare (Jalb al-Maslahah). The findings reveal that among the pre-merger banks, BSM demonstrated the strongest overall MSI performance. Post-merger analysis shows that while BSI achieved performance stability in its first two years, its MSI score remains slightly below the pre-merger average. Statistical analysis using the Mann-Whitney U Test indicates no significant performance differences between pre and post-merger periods across all MSI dimensions. These results provide important insights for Islamic banking practitioners and regulators regarding the early performance outcomes of this strategic merger while highlighting opportunities for further optimization of BSI's adherence to Shariah objectives.
Pengaruh Literasi Keuangan Syariah dan Brand Image Terhadap Keputusan dalam Menggunakan Produk Perbankan Syariah pada Aktivis Mahasiswa FEBI UIN Siber Syekh Nurjati Cirebon Sherly Nur Jamila; Aziz, Abdul; Wartoyo
AB-JOIEC: Al-Bahjah Journal of Islamic Economics Vol. 2 No. 02 (2024): AB-JOIEC
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61553/abjoiec.v2i02.275

Abstract

ABSTRAK Sherly Nur Jamila, NIM: 2108203193, Pengaruh Literasi Keuangan Syariah dan Brand Image Terhadap Keputusan Menggunakan Produk Perbankan Syariah Pada Aktivis Mahasiswa FEBI UIN Siber Syekh Nurjati Cirebon. Penelitian ini bertujuan untuk mengukur dan menganalisis pengaruh literasi keuangan Syariah dan brand image terhadap keputusan aktivis mahasiswa FEBI UIN SSC dalam menggunakan produk Perbankan Syariah. Penelitian ini menggunakan jenis penelitian kuantitatf dengan pendekatan survei dan menggunakann data primer serta diolah dengan menggunakan aplikasi SmartPLS 4. Populasi dalam penelitian ini adalah aktivis mahasiswa FEBI UIN Siber Syekh Nurjati Cirebon. Hasil penelitian menunjukkan bahwa variabel literasi keuangan Syariah secara parsial berpengaruh signifikan terhadap keputusan penggunaan produk perbankan Syariah dengan nilai p value 0.000 < 0.05 dan t-statistics 62.029 > 1.96 maka dapat disimpulkan bahwa hipotesis pertama diterima, Variabel brand image secara parsial berpengaruh signifikan terhadap keputusan penggunaan produk perbankan Syariah dengan nilai p value 0.036 < 0.05 dan t-statistics 2.101 > 1.96 maka dapat disimpulkan bahwa hipotesis kedua diterima. Adapun besaran pengaruh Literasi Keuangan Syariah dan Brand Image terhadap keputusan penggunaan produk perbankan Syariah yaitu sebesar 99.2% sisanya sebesar 0.8% dipengaruhi oleh variabel lain diluar yang diteliti. Kata Kunci: Literasi Keuangan Syariah, Brand Image, Keputusan Penggunaan, Produk Perbankan Syariah. ABSTRACT Sherly Nur Jamila, NIM: 2108203193, The Influence of Sharia Financial Literacy and Brand Image on the Decision to Use Sharia Banking Products among FEBI UIN Cyber Syekh Nurjati Cirebon Student Activists. This research aims to measure and analyze the influence of Sharia financial literacy and brand image on the decision of FEBI UIN SSC student activists to use Sharia Banking products. This research uses a quantitative type of research with a survey approach and uses primary data and is processed using the SmartPLS 4 application. The population in this research is student activists at FEBI UIN Siber Syekh Nurjati Cirebon. The results of the research show that the Sharia financial literacy variable partially has a significant effect on the decision to use Sharia banking products with a p value of 0.000 < 0.05 and t-statistics 62.029 > 1.96, so it can be concluded that the first hypothesis is accepted, the brand image variable partially has a significant effect on the decision to use Sharia banking products with a p value of 0.036 < 0.05 and t-statistics 2.101 > 1.96 then it can be concluded that the second hypothesis is accepted. The magnitude of the influence of Sharia Financial Literacy and Brand Image on the decision to use Sharia banking products is 99.2%, the remaining 0.8% is influenced by other variables outside those studied. Keywords: Sharia Financial Literacy, Brand Image, Usage Decision, Sharia Banking Products.
Wihan A.T, Anita T., Wartoyo PERAN INDUSTRI RUMAHAN ALKOHOL SEBAGAI PENGUATAN IDENTITAS DAERAH SERTA UNTUK MENINGKATKAN KESEJAHTERAAN MASYARAKAT (STUDI MASYARAKAT DESA BEKONANG KABUPATEN SUKOHARJO): PERAN INDUSTRI RUMAHAN ALKOHOL SEBAGAI PENGUATAN IDENTITAS DAERAH SERTA UNTUK MENINGKATKAN KESEJAHTERAAN MASYARAKAT (STUDI MASYARAKAT DESA BEKONANG KABUPATEN SUKOHARJO) Wihan Aria Tinandi; Trisiana, Anita; Wartoyo, Wartoyo
Jurnal Global Citizen : Jurnal Ilmiah Kajian Pendidikan Kewarganegaraan Vol 13 No 2 (2024): Jurnal Global Citizen : Jurnal Ilmiah Kajian Pendidikan Kewarganegaraan
Publisher : Prodi PPKn Universitas Slamet Riyadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33061/jgz.v13i2.11105

Abstract

Tujuan penelitian ini untuk: 1) Untuk mengetahui peran industri rumahan alkohol sebagai upaya penguatan identitas daerah serta untuk meningkatkan kesejahteraan masyarakat di desa Bekonang kabupaten Sukoharjo; 2) Untuk menganalisis faktor pendukung dan penghambat di industri rumahan alkohol sebagai upaya penguatan identitas daerah serta untuk meningkatkan kesejahteraan masyarakat di desa Bekonang kabupaten Sukoharjo; 3) Untuk menganalisis upaya pelaksanaan industri rumahan alkohol sebagai upaya penguatan identitas daerah serta untuk meningkatkan kesejahteraan masyarakat di desa Bekonang kabupaten Sukoharjo. Bentuk penelitian ini menggunakan metode penelitian deskriptif kualitatif. Strategi penelitian ini menggunakan strategi studi kasus. Subjek dalam penelitian ini antara lain pemilik industri rumahan alkohol, masyarakat Desa Bekonang, dan Kelurahan Desa Bekonang. Sumber data yang digunakan adalah sumber data primer dan sumber data sekunder. Teknik pengumpulan data yang digunakan adalah wawancara, observasi, dan dokumentasi. Uji keabsahan dilakukan dengan triangulasi sumber dan triangulasi metode. Data dalam penelitian ini dianalisis menggunakan teknik deskriptif kualitatif dengan model model analisis interaktif. Hasil Penelitian ini dapat disimpulkan bahwa: 1) Industri rumahan alkohol di Bekonang, Sukoharjo, memperkuat identitas daerah dan meningkatkan kesejahteraan melalui tradisi, lapangan kerja, dan ekonomi desa; 2) Faktor pendukungnya adalah warisan budaya, bahan baku, keahlian, dukungan pemerintah, dan akses pasar. Hambatannya termasuk regulasi, persaingan, pemasaran, perilaku konsumen, serta keterbatasan modal dan infrastruktur; 3) Upaya pelaksanaan industri rumahan alkohol yaitu Kolaborasi pemerintah, produsen, dan masyarakat meningkatkan kualitas produk, pelatihan, dan memanfaatkan pasar.
Analisis Peran BMT Dalam Pemberdayaan UMKM Melalui Pembiayaan Murabahah (Studi Kasus BMT Al-Ishlah Mitra Sejahtera) Jakaria, Dandy; Wartoyo, Wartoyo; Iqbal, Moh
-
Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/almultazim.v4i2.19643

Abstract

This research aims to find out the role of BMT AIMS in empowering MSMEs through murabahah financing. The subjects of this research are BMT managers, BMT staff and murabahah financing members. This type of research is field research with a descriptive approach method. The data sources obtained came from primary data, namely managers, staff and MSME murabahah members and secondary data, namely financing data and supporting documents. The data collection methods used were observation, interviews and documentation. The data analysis techniques used are data reduction, data presentation and drawing conclusions. Testing the validity of the data used is observation, increasing persistence and triangulation. The triangulation used is triangulation of sources and techniques. Based on data analysis, it shows that the Cirebon branch of BMT AIMS plays a role in increasing the empowerment of MSMEs, namely first, capital assistance in the form of financing. Apart from that, the Cirebon branch of BMT AIMS increases empowerment by providing a pick-up service by meeting directly to withdraw savings and financing. Funding for facilities becomes BMT to empower MSMEs through murabahah financing. With this empowerment, members experience an increase in their assets in the form of merchandise inventory and an increase in the number of fixed assets in the form of shophouses. On the member turnover side, there has been an increase, on the other hand, income has increased, while on the stability side, the business is running well, their obligations and responsibilities can be paid on time and the installments do not burden them.
How Customer Satisfaction Can Mediate The Effect of Profit Sharing Ratio and Service Quality on Customer Loyalty Wartoyo, Wartoyo; Maulidina, Devrina; Haerisma, Alvien Septian
Wealth: Journal of Islamic Banking and Finance Vol. 3 No. 2 (2024)
Publisher : Faculty of Islamic Economics and Business, UIN Prof. K. H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/wealth.v3i2.12535

Abstract

Abstract This research aims to analyze the effect of profit sharing ratio and service quality on member loyalty with satisfaction as a mediating variable at the Sumber branch of BMT Al Falah. The research method used is quantitative by collecting data through questionnaires. Sampling was carried out using the probability sampling method using simple random sampling. The analytical method used is path analysis. The results of the research show that the profit sharing ratio has no significant effect on member loyalty with a significant value of 0.670 > 0.05, service quality has a positive and significant effect on member loyalty with a significant value of 0.033 < 0.05, the profit sharing ratio has no significant effect. on member loyalty with satisfaction as a mediating variable with a calculated t value of 1.422 < t table 1.66088, and service quality has a positive and significant effect on loyalty with satisfaction as a mediating variable with a calculated t value of 2.485 > 1.6608.
The Effect of Mudharabah and Musyarakah Financing on Profitability through Financing t o Deposit Ratio (FDR) as an Intervening Variable in Sharia Commercial Banks in Indonesia Wartoyo, Wartoyo; Nur Fithriya, Milla; Saefulloh, Eef
Mabsya: Jurnal Manajemen Bisnis Syariah Vol. 6 No. 2 (2024): Mabsya: Jurnal Manajemen Bisnis Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/mabsya.v6i2.10737

Abstract

This research points is to reply questions such as those related to the title Impacts of Mudharabah and Musyarakah Financing on Productivity through Financing to Deposit Proportion (FDR) as an Interceding Variable in Islamic Commercial Banks in Indonesia for the 2018-2022 period. Benefit is measured utilizing Return on Equity (ROE). This investigates strategy employments a quantitative strategy utilizing auxiliary information gotten from the site of the Otoritas Jasa Kesuangan (OJK) for the yearly reports of Islamic Commercial Banks for 2018–2023, information collected by implies of documentation and writing inquire about. The information investigation procedure utilized is way examination utilizing SmartPLS program. The comes about of this think about are: (1) Mudharabah Financing has no impact on Benefit (2) Musyarakah financing contains a significant impact on productivity (3) Mudharabah financing contains a noteworthy impact on FDR; (4) Musyarakah financing has no impact on FDR (5) FDR has no impact on Productivity; (6) FDR cannot mediate the impact between Mudharabah Financing variables on Benefit in Islamic Commercial Banks; (7) FDR cannot intervene the impact between Musyarakah Financing variable Productivity in Islamic Commercial Banks.
PENGARUH LITERASI KEUANGAN, PERILAKU KEUANGAN, GAYA HIDUP HEDONISME DAN KONTROL DIRI TERHADAP KEPUTUSAN INVESTASI PADA MAHASISWA UNIVERSITAS PANCASAKTI TEGAL Wahyudi, Catur; Wartoyo
Jurnal Nusa Manajemen Vol. 2 No. 1 (2025): Jurnal Nusa Manajemen Volume 2 Nomor 1 Maret  Tahun 2025
Publisher : Publika Citra Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62237/jnm.v2i1.224

Abstract

The aim of this study is to find out whether financial literacy, financial behavior, lifestyle hedonism and self-control influence sharia investment decisions either partially or simulta neously in students of Pancasakti Tegal University. It is hoped that this research could be a reference as well as a benefit to enhance an investment decision in students. This research uses quantitative methods. The population in this study is Students of Pancasakti Tegal University with a total of 6,140 Students, while the sample in this research is 100 respondents. Data collection techniques used are observation methods, questionnaires and. The instrumental tests of this research include validity tests, reliability tests, classical assumptions tests, and hypothesis tests. The analytical techniques used are double linear analysis. The research results prove that there is an influence between the financial literacy variable of 3,256 and the t table of 1.985, meaning tcount > ttable (3,256> 1.984) so ​​that it influences sharia investment decisions, the financial behavior variable is 2.321 and the ttable is 1.985, meaning tcount > ttable ( 2,321> 1.984) so ​​that Ho is rejected and influences sharia investment decisions and hedonistic lifestyles is 1.197 and t table is 1.985, meaning tcount > ttable (1.197> 1.984) so ​​that Ho is accepted so it has no effect on sharia investment decisions, self control variable is 2.723 and ttable is 1.985 means tcount > ttable (2.723 > 1.984) so ​​Ho rejected so that it influences sharia investment decisions and financial literacy, financial behavior, hedonistic lifestyle and self-control Simultaneous positive influence on sharia investment decisions among students at Pancasakti University, Tegal.
Tiktok Utilization as Youth Contribution in Improving The Economy and Creating Jobs in the Era of Society 5.0 Arya Kemuning; Wartoyo Wartoyo
Cirebon International Journal of Economics and Business Vol. 1 No. 1 (2023): April 2023
Publisher : Faculty of Islamic Economics and Business IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/cijeb.v1i1.1

Abstract

Developments in technology and the internet have had a major impact on changes in business and e-commerce in Indonesia. One example is the TikTok application, apart from being used for entertainment, it contains various kinds of information regarding education, news, employment and can even be used as a business area. This research was conducted using qualitative research. The data that the author obtained comes from the Tik Tok application. The data source that the writer takes is the Tik Tok video, and the data that the writer chooses is a video related to selling product promotions. Testing the validity of the data in this study includes 4 stages, namely the internal validation stage of member checking data, external validation of compiling reports systematically, reliability and objectivity or confirming to informants. Based on the results of the research and discussion that the authors have done, the conclusions that can be drawn are: 1.) Utilizing the Tik Tok application as a form of contribution for young people can improve the economy and create jobs. So young people can take advantage of the Tik Tok application for various businesses including: 1. Making content more interesting and creative, 2. Branded hashtag challenges and 3. Brand promotions by utilizing influencers. The tik tok application can also create jobs such as: 1. Become an agent for a product, 2. Become a reseller and 3. Become a content creator for a product. 2. The Tik Tok application is very influential in the business world. Besides being used to accompany free time, the Tik Tok application is also very useful for promoting a product and can even be used as an application for creating creative content.
Analysis of Fiscal Policy in the Management of the National Budget in Indonesia Usman Usman; Wartoyo Wartoyo
Peradaban Journal of Economic and Business Vol. 3 No. 1 (2024)
Publisher : Pustaka Peradaban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59001/pjeb.v3i1.154

Abstract

The study aims to analyze fiscal policy in managing the state budget of Indonesia. The method employed is descriptive analysis, which involves explaining and describing information from both oral and written sources obtained through literature studies. The findings indicate that Indonesia's fiscal policy leans towards an expansionary approach, leading to a deficit in the state budget. Additionally, the government has initiated the export of downstream commodities with high added value to boost state revenue. Furthermore, the adoption of zero-based budgeting has been implemented to minimize state spending. These strategies are believed to enhance the management of the state budget. Penelitian ini bertujuan untuk menganalisis kebijakan fiskal dalam mengelola anggaran negara Indonesia. Metode yang digunakan adalah analisis deskriptif, yang melibatkan penjelasan dan deskripsi informasi dari sumber-sumber lisan dan tertulis yang diperoleh melalui studi literatur. Temuan menunjukkan bahwa kebijakan fiskal Indonesia cenderung mengarah pada pendekatan ekspansionis, yang mengakibatkan defisit dalam anggaran negara. Selain itu, pemerintah telah memulai ekspor komoditas hilir dengan nilai tambah tinggi untuk meningkatkan pendapatan negara. Selain itu, penerapan anggaran berbasis nol juga telah dilakukan untuk meminimalkan pengeluaran negara. Strategi-strategi ini diyakini dapat meningkatkan pengelolaan anggaran negara.
Co-Authors AA Sudharmawan, AA Aan Jaelani Aan Jailani Abdul Aziz Abdul Ghoni Abdul Ghoni Abdul Rosyid Abdul Wadud Kasyful Anwar, Abdul Muiz Ainun, Ayi Siti Ali Arifin Alvien Septian Haerisma Amalia Habibah, Sabrina Amalia, Tia Anita Trisiana Anita Trisiana, Anita Anton Sudrajat Anwar, Abdul Muiz Abdul Wadud Kasyful Apriliyani, Feni Arya Kemuning Asieh, Ikeu Triana Yulie Awaliya Rahma, Tiara Ayus ahmad Yusuf Ayus Ahmad Yusuf Azizan Sentosah Hutabarat Bahjatulloh, Qi Mangku Bakhri, Syaeful Catur Wahyudi, Catur Chairunnisa Chairunnisa David Viansyah Diana Djuwita, Diana Fadilah, Dimas Fajriyatin, Fajriyatin Farrakhan, Soulthan Akbar Fatinah, Lulu Fauzan Feri Hardiyanto Fitria Eka Permata Hafif, Alimul Halla Novitasari Hamdalah, Nurul Hanami, Azzahra Septia Haqqiquddin Rokhmatulloh, Muhammad Raisa Hendra Yulia Rahman, Hendra Yulia Heru Cahyono Hikam Muhtadi Zuhdi Inarawi, Wiwi Iqbal, Moh Irsad Irsad, Irsad Iskandar zulkarnaen, Mohamad Jakaria, Dandy Jannah, Isroqtul Kholis, Nur Komalasari, Asni Kusumadewi, Rita Layaman Layaman Layaman Layaman Layaman Layaman, Layaman Lisa Pratiwi Listriyani, Futri Lukman Lutfiyanti, Lutfiyanti Makmuri Ahdi Maulidina, Devrina Meilinda, Shinta Melandari, Esta Meutia, Nova Gina Mohammad Subkhan Mujab, Solikhul Mulsim, Muhammad Irfai Munjat, Ma'mur Mutadi Mutadi, Mutadi Muztahidin, Muhamad Nabila, Putri Nila Ernila NINING WAHYUNINGSIH Nova Gina Meutia Noval Kurnia Novi Nur Azizah Novitasari, Halla Nur Eka Setiowati, Nur Eka Nur Fithriya, Milla Nur Haida Nur Haida Nur Haida, Nur Nurrohmah, Faiza Intan Nursusilo Wati, Shinta Julia NURUL WULANDARI Pelitawati, Eva Purwati, Poni Qi Mangku Bahjatulloh Raihan Yahya Ismail Rifqi Muthoharul Janan Rokhmat Subagiyo, Rokhmat Rosviana, Mohammad Irfan Saefulloh, Eef Sari, Ama Farida Septian Haerisma, Alvien Sherly Nur Jamila Soviana, Dina Sri Rokhlinasari, Sri Sukarnoto, Toto Syam, Nur Umam, Muhammad Khairul Usman Usman Usman Usman Whardana, Karisma Kusuma Widagdo, Ridwan Wihan Aria Tinandi Wiyani, Silva Yetti, Febri Delmi Zaizafun, Alya Fauzi