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All Journal Jurnal Intermediasi Jurnal Ekonomi Pembangunan Jurnal Reviu Akuntansi dan Keuangan JEJAK Journal of Economics, Business, & Accountancy Ventura Journal of Indonesian Applied Economics Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan Journal of Accounting and Investment Falah : Jurnal Ekonomi Syariah Muhammadiyah International Journal of Economics and Business Ekuilibrium : Jurnal Ilmiah Bidang Ilmu Ekonomi Journal of Innovation in Business and Economics Jurnal Aplikasi Akuntansi International Journal of Economics Development Research (IJEDR) Jurnal Akademi Akuntansi (JAA) Studi Kasus Inovasi Ekonomi Jurnal Inovasi Ekonomi Jurnal Ilmu Ekonomi Journal of Financial Economics & Investment Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Journal of Indonesian Economy and Business Media Ekonomi Journal of Economic and Social Empowerment E-JURNAL AKUNTANSI
Idah Zuhroh
Universitas Muhammadiyah Malang
Humanities Chemical Engineering, Chemistry & Bioengineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences Other

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Literasi dan Edukasi Pembayaran Non Tunai Melalui Aplikasi QR Code Indonesian Standard (QRIS) Pada Kelompok Milenial Eris Tri Kurniawti; Idah Zuhroh; Nazaruddin Malik
Studi Kasus Inovasi Ekonomi Vol. 5 No. 01 (2021)
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Malang

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

Abstract

Digital financial transactions in Indonesia continue to show an increasing trend from year to year, with a sharp increase in the last 3 years.  Observing the acceleration of the implementastion of the development of non-cash transactions and to improve the payment system.  Bank Indonesia launced the Indonesia Standart Quick Response Code (QRIS) on 17 August 2019, which then  as of 1 Januari 2020 required all non-cash payments using QRIS.  QRIS is a QR Code standartd created by Bank Indonesia to facilitate digital payments throught server-based electronic money apllications, electronic wallets, and mobile banking.  The target of the QRIS application is for economic actors, especially those dominated by the millennial generation (students) who demand all aspects of their lives.  So that the literacy and education program for young people or millennials, especially students, regarding the QRIS payment system and also at several erchant in the academic community, the output that is to be achieved is the expansioan of the use of the QRIS application by merchants within the Faculty of Economics and Business.
Exploring the role of financial ratio and interest rate on banking credit channelling: Data from Indonesia Idah Zuhroh; Frinda Pramesti Regitara Cahyani
Jurnal Inovasi Ekonomi Vol. 6 No. 03 (2021): December
Publisher : Center for Economics, Business and Entrepreneurship Development Faculty of Economics and Business, Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jiko.v6i03.17510

Abstract

This study explores the effect of financial ratio and benchmark interest rate on the determinants of credit channelling in Indonesia. The data in this study uses quarterly data during the 2010-2019 period; the analysis technique in data processing uses panel data regression. The results of this study indicate that the model is simultaneous significant. Third-party funds and loan to funding ratio partially have a significant positive effect. Operating expenses and operating income have a significant negative impact. The benchmark interest rate has not substantially influenced the determinants of bank lending in Indonesia.
The impact of Fintech on Islamic banking and the collaboration model: a systematic review studies in Indonesia Idah Zuhroh
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 9 No. 4 (2021): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Publisher : Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (898.151 KB) | DOI: 10.22437/ppd.v9i4.12054

Abstract

The Fintech company has raised its number significantly in Indonesia and threatened the banking sector as Islamic Banking is not the exception. Fintech can provide better financial services than Islamic Bank with its technological advantages. This research aims to observe the effect of Fintech's on Islamic banks and discover the collaboration model between Fintech and Islamic banks to improve financial services. The method was carried out by Systematic Literature Review (SLR), then analyzed using Nvivo 12 to quantify the words counted to the papers found. The result showed that there were 14 papers found to analyze in the systematic review. According to Nvivo 12 words counted result, the highest words counted was ‘services’ with 21%, followed by ‘user’ and ‘customers’ combined with 16%. Furthermore, Fintech acts as the disruptor for Islamic Banking, shown in its Return on Asset and its potential to take over the millennial customers segment. The collaboration can be done by sharing product marketing, loans, and transaction services. For the customer, big data analysis, the legal aspects, risk of human error, and data security protocol should be mitigated by tightening the registration system to minimize fraud, enhancing the internet server to prevent failure transactions, and closely cooperating with the Authority of Financial Service in Indonesia (OJK) to ensure the legal aspects are fulfilled.
The nexus of monetary policy and economic growth: Empirical study from Indonesia Idah Zuhroh
Journal of Innovation in Business and Economics Vol. 5 No. 02 (2021): Journal of Innovation in Business and Economics
Publisher : Faculty of Economics and Business, University of Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jibe.v5i02.20539

Abstract

This study investigates the short and long-term relationships between monetary policy and economic growth in Indonesia. The vector error correction model (VECM) applies to tackle the research objective and use quarterly data from 2004 to 2019. The result shows a significant negative effect of inflation in the short term, and other variables are insignificant. Inflation and exchange rate have a significant positive impact in the long term, and money supply has a negative coefficient. Besides, interest rates do not significantly affect Indonesia's economic growth. Findings of the negative long-term impact of the money supply on growth are not a good indication; we argue that this anomaly needs to be taken seriously by the authorities to maintain economic stability and sustainable growth.
Impact Of Specific And Macroeconomic Variables On Islamic Stock Price Aida Bela Silfia; Idah Zuhroh
Jurnal Ilmu Ekonomi Vol. 6 No. 2 (2022): Jurnal Ilmu Ekonomi
Publisher : Program Studi Ekonomi Pembangunan Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jie.v6i2.20641

Abstract

This study aims to analyze the effect of fundamental variables and macroeconomic variables on sharia stock prices in the Jakarta Islamic Index (JII) for 1 periode 20116-2020 which publishes financial statements successively. The analytical method used is panel data regression with Common Effect Model (CEM) research model and assisted by the Eviews 9 program. The partial results show that all variables have a significant effect on Sharia Stock Prices except the Earning Per Share (EPS) variable has no effect significant to the Sharia Share Price. While the results of the study simultaneously all variables have a significant influence on the islamic stock price.
Fluktuasi Harga Saham Batu Bara: Peran Faktor Spesifik dan Makroekonomi Ummi Khusnul Habibah; Idah Zuhroh; Dhurotus Sangadah
Jurnal Akademi Akuntansi Vol. 5 No. 3 (2022): Jurnal Akademi Akuntansi (JAA)
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jaa.v5i3.21065

Abstract

This study aims to analyze the effect of specific faktor (profitability, leverage, EPS)  and makroeconomic factor (inflation , PDB) on the variable stock price. Using the financial reports of mining companies in the coal company, we take specific factor data (profitability/ROA, leverage/DER), EPS), Macroeconomic factor (Inflation, PDB) and stock price (closing price) from 10 companies, which were selected as samples, from 2011 to 2020. Data was analyzed using the Regression analysis panel data method. The results show that ROA, DER, EPS, Inflation, PDB affect changes in stock prices.  The implication of this research is to provide knowledge to investors about the importance of knowing the company’s financial performance. Companies with good financial performance will easily develop because there are sufficient funds for company operations. By analyzing financial ratios, investors can get signals to decide whether to invest in the company they want.
Determinant of Trade Balance: Empirical Study in ASEAN 5 Countries Erika Novendira Purnamasari; Idah Zuhroh; Eris Tri Kurniawati
Jurnal Ekonomi Pembangunan Vol. 20 No. 02 (2022): Jurnal Ekonomi Pembangunan
Publisher : Pusat Pengkajian Ekonomi dan Kebijakan Publik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jep.v21i02.22713

Abstract

International trade is a form of partnership and global activity of a country with other countries, traded from exports and imports. International trade activity is recorded in the trade balance for a certain period based on the value of the prevailing currency. It is one of the benchmarks for the success of an economy. This study examines the relationship between fundamental macroeconomic variables consisting of inflation, interest rates, imports, exchange rates, and GDP, which affect the trade balance performance in ASEAN-5 (Indonesia, Malaysia, Philippines, Singapore, and Thailand). The analytical method used is a regression with panel data from 2000-2019 with research objects from ASEAN-5 countries. The results of the analysis found that interest rates and imports had a significant adverse effect on the trade balance in ASEAN-5. GDP and exchange rates significantly positively affect the trade balance of ASEAN-5 countries. On the other hand, inflation has a negative effect but does not significantly affect the trade balance in ASEAN-5 countries.
Profitabilitas Bank Syariah Di Indonesia: Bagaimana Pengaruh Permodalan, Inflasi Dan Birate? Idah Zuhroh
Jurnal Reviu Akuntansi dan Keuangan Vol. 12 No. 2: Jurnal Reviu Akuntansi dan Keuangan
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1049.36 KB) | DOI: 10.22219/jrak.v12i2.21931

Abstract

This study to analyze the effect of internal components of Islamic banks and macroeconomics on the profitability of Islamic banks in Indonesia. The sample used includes 8 Full Fledge Islamic banking for the period 2011Q1–2019Q4. Data analysis used panel data regression between FEM and CEM based on Chow and LM tests. Several control variables used include financing quality (NPF), bank liquidity (FDR), exchange rate and economic growth (LGDP). The robust model was chosen for further analysis and the best model was obtained, namely FEM-cross section weight (EGLS). The results found that Islamic banks are increasingly complying with sharia regulations where the BI Rate does not affect the profitability of Islamic banks. Inflation has a negative effect, while the effect of CAR has a non-linear effect on profitability. All control variables have a significant effect on the profitability of Islamic banks. NPF and exchange rate have a negative effect while EG and FDR have a positive effect on profitability. The results of the FEM constant show that there are 2 Islamic banks that excellent in profit so that they can be a reference for other Islamic banks to increase profitability.
Analysis Absorption of Labor in the ASEAN Region Hafiludin, Alan; Zuhroh, Idah; Aksari Anindyntha, Firdha
Jurnal Ilmu Ekonomi JIE Vol. 8 No. 03 (2024): Jurnal Ilmu Ekonomi
Publisher : Program Studi Ekonomi Pembangunan Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jie.v8i03.34126

Abstract

This research aims to determine the impact of wages, investment, economic growth and internet users on labour absorption in all countries in the ASEAN region in 2014-2021. This research uses secondary data obtained from the World. The data analysis technique uses panel data regression analysis. Based on the findings of data analysis, the fixed effect model (FEM) is the model that best suits this research. The analysis results show that investment, economic growth, and internet users had a positive and significant effect on labour absorption in ASEAN in 2014-2021, while wages negatively and significantly impacted labour absorption in ASEAN in 2014-2021.
PENGARUH FUNDAMENTAL MAKROEKONOMI TERHADAP PENANAMAN MODAL ASING DI ASEAN Kristianto, Andriyan; Zuhroh, Idah; Anindyntha, Firdha Aksari
Media Ekonomi Vol. 32 No. 1 (2024): April
Publisher : Lembaga Penerbit Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/1emf8741

Abstract

This study aims to see the effect of macroeconomics fundamental that proxied by economic growth, inflation and interest rates on foreign   investment in ASEAN 5. This research uses panel data regression analysis. The data source is  from World Bank that are consist of Foreign Direct Investment, Gross Domestic Product, inflation, and   interest from 2007 to 2022. The results show that the Gross Domestic Product has a positive effect on Foreign Direct Investment. Meanwhile, the inflation and interest rates have a negative effect on Foreign Direct Investment
Co-Authors . Misgayanti Aida Bela Silfia Alvio Veronika Anggraeni, Anita Meliana Asilah Eka Putri Asmaul Hayani Birrul Walidain Daryanti Ningsih Daryanti Ningsih, Daryanti David Kaluge Della Andrieanny Putri Desi Anggarwati Dessy Dianita Dewi Indriana Dhurotus Sangadah Didit Suprayitno Dwi Susilowati Erika Novendira Purnamasari Eris Tri Kurniawati Eris Tri Kurniawati Eris Tri Kurniawti Evita Hayatun Nufus Faizal Amir Faizal Amir, Faizal Feeriska Budi Wiranti Firdha Aksari Anindyntha Fitri Rusdianasari Frinda Pramesti Regitara Cahyani Hafiludin, Alan Hanifah, Zalfa Elvina Dewi Harpiyansa Harpiyansa Hendra Kusuma Hendra Kusuma Hendra Kusuma Herlina Panama Ida Nuraini Indriana, Dewi Jhoni Lumintang Khalidah, Nur Diana Kristianto, Andriyan La Subuh Latifa Insaf Maulida Maslikhah, Devi Vela Mayangsari, Bunga Adelia Maydhy Zulfi Afied Misgayanti, . Mohammad Faisal Abdullah Muhammad Ardiansyah Muhammad Sri Wahyudi Suliswanto Nabilah Khairunnisa Natalia Popy Kristian Nazaruddin Malik Novia Dwi Putri novia dwi putri Pradityo Fahril Arrahman Prasetyo, Levina Pristiva, Desy Rafly Izaz Mada Yafie Regar Elisa Rifatin Amalia Rofik, Mochamad Rohmah, Nikmatur Selva Kurnia Oneestasya Sembiring, Rinawati Sri Budi Cantika Sri Budi Cantika Yuli Subuh, La Syamsul Hadi Syamsul Ph.D M.A. Hadi Syela Kurniawati Ummi Khusnul Habibah Vebian Indriati Viana, Vira Okta Yulidia Rohmawati Yustian, Lila Denayu Zainuri, - Zulfa Nahdia Rahmi