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All Journal Jurnal Ekonomi IQTISHODUNA Jurnal Ekonomi Modernisasi Jurnal Manajemen Teori dan Terapan JABE (Journal of Accounting and Business Education) Jurnal Dimensi Jurnal Akuntansi Aktual Jurnal Penelitian Teori & Terapan Akuntansi (PETA) DIJB (Diponegoro International Journal of Business) Jurnal Riset dan Aplikasi: Akuntansi dan Manajemen IMANENSI: Jurnal Ekonomi, Manajemen dan Akuntansi Islam EkBis: Jurnal Ekonomi dan Bisnis Dialektika: Jurnal Ekonomi dan Ilmu Sosial Jurnal Ecogen Journal of Islamic Economic and Business Research Telaah Bisnis Riset Akuntansi (RISTANSI) Indonesian Community Journal Jurnal Pengabdian Masyarakat Akademisi Maliki Islamic Economics Journal Jurnal Riset dan Aplikasi: Akuntansi dan Manajemen IIJSE Jurnal Ilmiah Bisnis dan Ekonomi Asia (Jibeka)
Mega Noerman Ningtyas
Universitas Islam Negeri Maulana Malik Ibrahim Malang
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Exploring The Muslim Millenials Perspective On Financial Well-Being Ningtyas, Mega Noerman; Cahyaningtyas, Fadilla
Maliki Islamic Economics Journal Vol 4, No 1 (2024): Maliki Islamic Economics Journal
Publisher : Faculty of Economics UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/miec.v4i1.26990

Abstract

This research explores the view of financial well-being from the unique perspective of the Muslim millennial generation, considering the economic transitions and technological advancements shaping their financial behaviors to become more consumptive. Through qualitative interviews, the research delves into the subjective perceptions, behavioral patterns, and socio-economic factors that influence the financial well-being of moslem millennials. Furthermore, this research also identifies the key determinants of their financial well-being, including financial literacy, financial behavior, and financial stress. Our findings contribute to a deeper understanding of the complexities surrounding financial well-being in the millennial cohort, providing valuable insights for policymakers, financial institutions, and individuals aimed at enhancing financial health and resilience among Muslim millennials.
Literasi Keuangan pada Generasi Milenial Ningtyas, Mega Noerman
Jurnal Ilmiah Bisnis dan Ekonomi Asia Vol 13 No 1 (2019): Jurnal Ilmiah Bisnis dan Ekonomi Asia
Publisher : LP2M Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32812/jibeka.v13i1.111

Abstract

Low financial literacy will have an impact on making decisions in daily life. Making wrong decisions will end in poor and ineffective economic management that can lead to financial vulnerable behavior and crises and potentially suffer losses due to financial sector crime. The level of financial literacy will vary according to the demographics. Women, minorities and low income tend to have low levels of financial literacy. Likewise with age, age determines the point of view of people towards something. Generation Y is the generation born in the years 1980-1994 where this generation is very closely related to technology and has different habits with other generations. The purpose of this study is to measure the financial literacy index in the millennial generation. This study uses a type of descriptive research so that researchers describe the index that has been calculated previously. Then it tested for its effect on financial behavior. The test results show basic and sharia financial literacy has a significant positive effect on financial behavior. It show by thet value of both variables are greater than t table (3.147> 1.97; 2.512> 1.97). The more someone understands the financial concept, the more he is able to manage his finances well.
ANALYSIS OF FINANCIAL PERFORMANCE AND SHARE PERFORMANCE BEFORE AND AFTER THE COVID-19 PANDEMIC ON THE IDX Widyawati, Nur Laili; Ningtyas, Mega Noerman
Jurnal Ilmiah Bisnis dan Ekonomi Asia Vol 16 No 2 (2022): Jurnal Ilmiah Bisnis dan Ekonomi Asia
Publisher : LP2M Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32815/jibeka.v16i2.1029

Abstract

The goal of this research was to examine if there were any differences in financial performance and share performance of companies listed on the Indonesia Stock Exchange (IDX) before and after the Covid-19 pandemics was announced. Listed companies on the Indonesia Stock Exchange at least in 2018 make up the research population. There were 487 companies in this study's sample. The research data was collected through purposive sampling. The study's findings show that the liquidity ratios, profitability ratios, solvency ratios, activity ratios, market ratios, and abnormal returns have substantial differences. The beta (stock risk) variable, on the other hand, shows no significant differences. Between before and after the Covid-19 pandemic was announced, the liquidity ratio (current ratio), profitability ratios (return on assets), activity ratio (asset turnover), and market ratio (price-earnings ratio) all decreased. In the meantime, the solvency ratio (debt to equity), abnormal returns, and stock beta have all risen.
Intelligence, Financial Literacy, and Financial Behavior: A Study on Generation Z Ningtyas, Mega Noerman; Putra, Rafli Sahrian
IQTISHODUNA IQTISHODUNA (Vol. 20, No. 2, 2024)
Publisher : Fakultas Ekonomi, UIN Maliki Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/iq.v20i2.26528

Abstract

Financial behavior plays an important role in determining individual welfare. A person will behave financially well when he understands the concept of finance well. In addition, each individual is also endowed with intelligence to help him in carrying out every activity that will be carried out. The purpose of this study is to examine the role of financial literacy on financial behavior in Generation Z and also to examine intelligence as a moderating role. The analysis used was the SEM-PLS approach. We collected 400 respondents using an online questionnaire. The results of this study indicate that financial literacy has a positive effect on financial behavior and intelligence has a positive impact on financial behavior. However, intelligence cannot strengthen the influence between financial literacy and financial behavior. The financial behavior of Gen Z needs to get more attention from the government considering that Indonesia is now entering the demographic bonus era where this generation dominates the overall population. 
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.
FED FUND RATE DAN FLUKTUASI HARGA MINYAK: SEBUAH PENGUJIAN HERDING BEHAVIOR PADA PASAR SAHAM SYARIAH INDONESIA Syafrina, Adelia Dwi; Ningtyas, Mega Noerman
RISTANSI: Riset Akuntansi Vol. 6 No. 1 (2025): RISTANSI: Riset Akuntansi, Volume 6, Nomor 1, Juni 2025
Publisher : Program Studi Akuntansi Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32815/ristansi.v6i1.2458

Abstract

With a focus on the Jakarta Islamic Index (JII), this study attempts to analyze how herding behavior is affected by changes in the Fed Fund Rate (FFR) and the oil price in the Indonesian Sharia stock market from 2019 to 2024. The sampling technique was purposive, by selecting 15 companies that were consistently included in the JII throughout the study period. Daily data was analyzed using regression method to identify the relationship between these variables and herding behaviour, which was measured using Cross-Sectional Absolute Deviation (CSAD). The results show that FFR significantly drives the herding behaviour phenomenon, where an increase in FFR tends to trigger an increase in herding in the Islamic stock market. In contrast, oil price fluctuations do not encourage the phenomenon of herding behaviour. This study concludes that US monetary policy through FFR is an important external factor influencing investor behaviour in Indonesia's Islamic stock market. However, the influence of oil prices tends to be more complex and requires further study
MSMES INTEREST IN THE USE OF SHARIA E-PAYMENT: EXPANDED IMPLEMENTATION OF THE TECHNOLOGY ACCEPTANCE MODEL (TAM) Agustina, Ike Dwi; Wahidiyah, Rahmatul 'Aini; Misbahuddin, Abdullah Afif; Ningtyas, Mega Noerman; Budianto, Eka Wahyu Hestya
Jurnal Ilmiah Bisnis dan Ekonomi Asia Vol 18 No 1 (2024): Jurnal Ilmiah Bisnis dan Ekonomi Asia
Publisher : Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32815/jibeka.v18i1.1905

Abstract

Advances in technology and information encourage the development of payment methods using electronic devices (e-payment) to exchange goods and services without needing cash. This study examines the factors that influence the interest of MSMEs in Malang City, especially in the culinary field, in using Sharia e-payments by expanding the TAM model. This type of research is descriptive quantitative. The survey used a structural equation model (SEM) with the Amos software test tool (Versi 26). One hundred twenty-five respondents were collected as a test. The results show that PS has an insignificant effect on PU and PEOU. PEOU influences PU. PFC has a significant negative effect on Islamic e-payment IU. PU has no significant effect on the IU of Sharia e-payments. Meanwhile, PEOU influences IU Sharia e-payments.
Trust, Financial Literacy and Investment Intention: A Case in Securities Crowdfunding Platform using Trust Transfer Theory Ulfa Nahdhiroh; Mega Noerman Ningtyas
Jurnal Ilmiah Bisnis dan Ekonomi Asia Vol 19 No 1 (2025): Jurnal Ilmiah Bisnis dan Ekonomi Asia
Publisher : Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32815/jibeka.v19i1.2348

Abstract

This study aims to reveal the role of trust in mediating the effect of financial literacy on investment intentions on the securities crowdfunding platform. The research method used is quantitative with a survey approach, using purposive sampling technique, with a total of 180 investors. Data were analyzed using Partial Least Squares (PLS-SEM). The results showed that financial literacy significantly affects investment intention and trust in the securities crowdfunding platform. In addition, trust in the platform also plays an important role in increasing trust in the fundraiser. This study concludes that financial literacy and trust in the platform have a significant impact on investors' intention to invest, and support the application of Trust Transfer Theory in the context of securities crowdfunding.
Pengaruh Perceived Ease of Use, Perceived Security, dan Perceived Reputation Terhadap Kepercayaan Awal Pemberi Pinjaman Pada Platform P2P Lending Islamiah, Diniyatul; Ningtyas, Mega Noerman
Jurnal Ecogen Vol 7, No 2 (2024): Jurnal Ecogen
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/jmpe.v7i2.15802

Abstract

This research objectives to examine the influence of perceived ease of use, perceived security, and perceived reputation on the initial trust of lenders on P2P lending platforms. The population under study consists of all Generation Z individuals residing in the city of Malang who have previously invested in P2P lending platforms. A sample of 180 respondents was selected through purposive sampling, with criteria including residency in Malang, aged between 17-26 years old, and having previous or current investment experience in P2P lending platforms. Data were collected through an online questionnaire and analyzed using Structural Equation Modeling (SEM) with the Partial Least Squares (PLS) approach. The findings of the research reveal that perceived ease of use, perceived security, and perceived reputation significantly influence initial trust.
Kinerja Keuangan Bank Syariah Indonesia: Studi Sebelum dan Sesudah Merger Putri, Larasati Widianto; Ningtyas, Mega Noerman
DIALEKTIKA: Jurnal Ekonomi dan Ilmu Sosial Vol 8 No 1 (2023): Dialektika : Jurnal Ekonomi dan Ilmu Sosial
Publisher : Prodi Manajemen Fakultas Ekonomi dan Bisnis Universitas Islam Raden Rahmat Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36636/dialektika.v8i1.1309

Abstract

Bank Syariah Indonesia (BSI) was formed by the merger of three state-owned banks: BRI Syariah, BNI Syariah, and Bank Syariah Mandiri. This merger is expected to strengthen the institutions of the Islamic financial industry as well as to increase the Indonesia's Islamic economy in the global arena. Regardless of the benefits and intentions of the merging bank, this activity has impact on its financial performance.  this research is conducted to compare the financial performance of BSI before and after the merger. The study approach is descriptive quantitative with ratio analysis, and secondary data is form Monthly Report with an observation period 2020and 2021. This research is indicated s that BSI after the merger is better than before the merger. This is reflected in BSI's growing ability to manage their assets and capital in order to maximize revenue and profitability. However, based on the activity ratio, BSI is not effective and efficient so that they need to do something with their marketing plan in order to increase customer interest.
Co-Authors Abdullah Afif Misbahuddin Agustina, Ike Dwi Al Qoriana, Viaulia Amelindha Vania Ayub Wijayati Sapta Pradana Budianto, Eka Wahyu Hestya Dyah Febriantina Istiqomah Eka Wahyu Hestya Budianto Fadilla Cahyaningtyas Fikriyatul Azizah Su’ud Ike Dwi Agustina Ikhsan Maksum Islamiah, Diniyatul Kholilah Kholilah Kurniawati Meylianingrum Larasati Widianto Putri Lestari, Nimas Dewi Lutfi Ardhani Maretha Ika Prajawati Mihardjo, Raynald Phoebus Misbahuddin, Abdullah Afif Naila Rizky Rahmania Novi Lailiyul Wafiroh Nur Laili Fikriah Nur Laili Fikriah Nur Laili Widyawati Pipit Rosita Andarsari Putra, Rafli Sahrian Putri, Larasati Widianto Qanita, Ariza Rahmatul 'Aini Wahidiyah Siskawati, Erly Nabila Suyuti, Mufit Syafrina, Adelia Dwi Tiara Juliana Jaya Ulfa Nahdhiroh Wahidiyah, Rahmatul 'Aini Widyawati, Nur Laili