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All Journal PASAI Jurnal Samudra Ekonomi dan Bisnis JURMA : Jurnal Program Mahasiswa Kreatif J-MIND (Jurnal Manajemen Indonesia) Muqaddimah: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis International Journal of Economics, Commerce, and Management International Journal of Accounting, Management, and Economics Research : Ijamer
Andria Zulfa
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Analisis Hubungan Pendapatan Kabupaten dengan Belanja Modal dan Belanja Pemeliharaan Zulfa, Andria
PASAI Vol 7, No 1 (2013)
Publisher : Universitas Malikussaleh

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Abstract

Proporsi anggaran belanja pemeliharaan yang ideal di dalam APBD, untuk setiap daerah di Indonesia sulit ditentukan persentasenya mengingat kompleksitas masalah pembangunan daerah, karakteristik daerah, serta celah fiskal (fiscal gap) antara kemampuan dana dan kebutuhan pembangunan di daerah yang berbeda-beda. belanja daerah merupakan penurunan dalam manfaat ekonomi selama periode akutansi dalam bentuk arus keluar atau deplasi aset atau terjadinya hutang yang berkaitan dengan distribusi kepada para peserta ekuitas dana. Berbeda dengan belanja modal, belanja pemeliharaan terjadi pada semua satuan kerja atau unit organisasi pemerintah daerah karena semua memiliki aset tetap. Karena sifatnya yang rutin, belanja pemeliharaan tidak tergantung pada Tupoksi satuan kerja, tetapi tergantung pada jumlah aset yang dimiliki. 
Faktor yang Mempengaruhi Permintaan Uang Giral Di Bank Indonesia Zulfa, Andria
PASAI Vol 7, No 2 (2013)
Publisher : Universitas Malikussaleh

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Abstract

Semakin maju perekonomian suatu daerah maka semakin sering atau semakin banyak penggunaan uang giral di dalam penyelesaian transaksinya. Proporsi uang giral yang relatif tinggi ini mencerminkan bahwa kebiasaan masyarakat dalam menggunakan uang giral semakin meningkat. Uang ini hanya beredar di kalangan tertentu saja, sehingga masyarakat mempunyai hak untuk menolak jika ia tidak mau barang atau jasa yang diberikannya dibayar dengan uang ini. Uang giral dapat ditarik dengan menggunakan cek, bilyet giro, dan perintah pembayaran. Inflasi adalah kecenderungan dari harga-harga untuk menaik secara umum dan terus menerus. Untuk mengurangi beban suku bunga dalam mengendalikan inflasi dan nilai tukar, beberapa saran diajukan untuk jangka pendek antara lain perlunya pemulihan kepercayaan investor domestik dan asing, pelaksanaan program restrukturisasi perbankan, pelonggaran GWM (Giro Wajib Minimum), pencairan bantuan luar negeri untuk membiayai APBN, dan intervensi valas.
PENGARUH PROFITABILITAS, STRUKTUR MODAL DAN KEPEMILIKAN MANAJERIAL TERHADAP RETURN SAHAM DENGAN NILAI PERUSAHAAN SEBAGAI VARIABEL MODERATING (Studi Empiris pada Perusahaan Sektor Pertanian di BEI) Ellidianti, Rossy Novia; Murhaban, Murhaban; Zulfa, Andria
J-MIND (Jurnal Manajemen Indonesia) Vol 6, No 1 (2021): J-Mind Jurnal Manajemen Indonesia
Publisher : Universitas Malikussaleh

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (319.842 KB) | DOI: 10.29103/j-mind.v6i1.4871

Abstract

This study aims to examine the effect of profitability, capital structure and managerial ownership on stock return with firm value as a moderator veriable in Agricultural Companies in Indonesia Stock Exchange during the period 2009-2018. The number of samples in this study are 10 agricultural companies in the Indonesia Stock Exchange obtained by using purposive sampling technique. Data analysis method used is Panel Data Regression. The results of this study prove that capital structure has negative effect on stock returns, firm value has positive effect on stock returns, profitability and managerial ownership have no significant effect on stock returns. Meanwhile, the moderating effect test prove that firm value is able to moderate the effect of profitability on stock returns, but is unable to moderate the effect of capital structure and managerial ownership on stock returns
PENGARUH RASIO KEUANGAN DAERAH TERHADAP PERTUMBUHAN EKONOMI KABUPATEN/KOTA DI PROVINSI ACEH Azhari, Muhammad; Zulfa, Andria; Murtala, Murtala
J-MIND (Jurnal Manajemen Indonesia) Vol 5, No 1 (2020): J-MIND Jurnal Managemen Indonesia
Publisher : Universitas Malikussaleh

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (367.82 KB) | DOI: 10.29103/j-mind.v5i1.3427

Abstract

ABSTRACT This study aims to examine the effect of regional independence ratio, regional effectiveness ratio, regional efficiency ratio and regional income growth ratio on economic growth. The research data used is a combination of cross sections with time series in 23 districts / cities in Aceh Province during 2014-2018, which is obtained from the Budget Realization Report (LRA) issued by the Directorate General of Regional Financial Balance, Ministry of Finance (DJPK Kemenkeu). The data analysis method used is Panel Data Regression with Eviews 9 assistance.The results of this study prove that regional independence ratio, regional effectiveness ratio and regional efficiency ratio have a positive and significant effect on economic growth, while regional income growth ratio has no significant effect on economic growth in Regencies / Cities in Aceh Province Keywords:   Regional Independence Ratio, regional effectiveness ratio, regional efficiency ratio , regional income growth ratio and economics growth
PENGARUH KINERJA KEUANGAN TERHADAP NILAI PERUSAHAAN MANUFAKTUR DI BURSA EFEK INDONESIA DENGAN KEBIJAKAN DIVIDEN SEBAGAI VARIABEL MODERASI Riska, Riska; Raza, Hendra; Zulfa, Andria
J-MIND (Jurnal Manajemen Indonesia) Vol 5, No 1 (2020): J-MIND Jurnal Managemen Indonesia
Publisher : Universitas Malikussaleh

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (654.954 KB) | DOI: 10.29103/j-mind.v5i1.3428

Abstract

ABSTRACTThis study aims to examine the effect of profitability, liquidity and leverage on firm value with dividend policy as a moderating variable on Manufacturing Companies on the Stock Exchange during the 2014-2018 period. The number of samples in this study are 28 Manufacturing Companies on the Stock Exchange that provide regular dividends during the 2014-2018 period. The type of data used is secondary data in the form of panel data obtained from the company's Annual Report. Data analysis method used is Panel Data Regression. The results of this study found that profitability, leverage and dividend policy had a positive and significant effect on firm value, but liquidity had no significant effect on firm value. The moderating effect proves that the dividend policy is able to moderate the effect of profitability, liquidity and leverage on the value of the company, where the dividend policy belongs to the type of variable Quacy Moderator.Keywords : Profitability, Liquidity, Leverage, Dividend Policy and Company Value
Kinerja Keuangan Bank Umum Syariah di Indonesia Pasca Pandemi COVID-19 Annisa, Mutiara; Ridhani, Ridhani; Timoria, Timoria; Zulfa, Andria; Sakuntala, Dwita
Jurnal Samudra Ekonomi dan Bisnis Vol 15 No 3 (2024): JSEB
Publisher : Fakultas Ekonomi Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jseb.v15i3.10724

Abstract

The aim of this research is to analyze the financial performance of sharia commercial banks (BUS) after the COVID-19 pandemic through the CAR, NPF, FDR and BOPO variables on the ROA of BUS registered with the OJK 2019-2024. The method used is quantitative with a research sample of 6 BUS determined through a purposive sampling technique. The secondary data analyzed was obtained through the official OJK website. The data is then analyzed through descriptive statistics, classical assumption tests, and hypothesis testing. The empirical findings show that all CAR, FDR and BOPO variables partially have no influence on ROA from BUS, except that NPF is proven to partially have a positive influence on ROA. Simultaneously, all independent variables have an influence on BUS ROA.
Implications of Macro Economic Conditions for Banking Effectiveness in Indonesia Ningsih, Nuri Rahayu; Rusdianto, Budi; Siregar, Kardina; Zulfa, Andria; Sakuntala, Dwita
Jurma : Jurnal Program Mahasiswa Kreatif Vol 8 No 2 (2024): DESEMBER
Publisher : LPPM UIKA Bogor

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Abstract

This research aims to determine banking effectiveness. The variables in this research are Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), Economic Growth (GDP), Inflation, and Exchange Rates. The analytical method used in this research is the Vector Auto Regression (VAR) model with the Impulse Response Function (IRF) test, Forecast Error Variance Decomposition (FEVD), stationarity test, cointegration test, structural lag stability test, and optimal lag length test. The results of Vector Autoregressive research using a lag 2 basis show that there is a contribution from each variable to the variable itself and other variables. The results of the Vector Autoregression analysis also show that the past variable (t-1) contributes to the current variable, both the variable itself and other variables. From the analysis results, there is a reciprocal relationship between one variable and another variable. Response Function analysis shows that there is a response of other variables to changes in one variable in the short, medium, and long term, and it is known that the stability of the response of all variables is formed in 5 years or long term. Variance Analysis Decomposition shows the existence of variables that have the largest contribution to the variable itself in the short, medium, and long term, such as INF and KURS. Meanwhile, other variables that have the greatest influence on the variable itself and are supported by other variables in the short, medium, and long term are CAR and NPL which are most influenced by the EXCHANGE and GDP.
Macroprudential Instruments to Minimize the Financing Risk of Islamic Commercial Banks in Indonesia Kurniawan S., Amri Darma; Sakuntala, Dwita; Zulfa, Andria; Nasution, Lia Nazliana
Jurma : Jurnal Program Mahasiswa Kreatif Vol 8 No 2 (2024): DESEMBER
Publisher : LPPM UIKA Bogor

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Abstract

Bank Indonesia has established macroprudential policy as one of its strategies within the policy mix, utilizing various instruments to support the intermediation function and manage credit or financing risks. This research aims to investigate the impact of the countercyclical capital buffer, financing to funding ratio, and capital adequacy ratio on the non-performing financing ratio at Islamic commercial banks in Indonesia. The study employs a quantitative approach focusing on 13 Islamic commercial banks registered with the Otoritas Jasa Keuangan (Financial Services Authority). Secondary data covering a 6-month period from 2014 to 2023 is utilized for analysis. The research applies the multiple linear regression model using the Ordinary Least Square method. The simultaneous test (F-test) result indicate that the countercyclical capital Buffer, financing to funding ratio, and capital adequacy ratio collectively exert a significant influence on non performing financing in Islamic commercial banks. According to the partial test results (t-test), only the capital adequacy ratio demonstrates a negative and significant impact on non-performing financing. This implies that an increase in the capital adequacy ratio tends to reduce the non-performing financing ratio. The regression model interpretation suggests that all independent variables have a consistent relationship with the dependent variable. Therefore, an increase in the value of the capital buffer value, financing to funding ratio and capital adequacy ratio concurrently reduce the percentage of non-performing financing at Islamic commercial banks. The coefficient of determination indicates that the independent variables collectively explain 92.11% of the variation in the dependent variable. The remaining 7.89% is attributed to other variables not included in this study.
Analysis of Financial System Stability in Southeast Asia (Indonesia, Singapore and Malaysia) During Covid-19 Raudah, Raudah; Zulfa, Andria; Sakuntala, Dwita
Jurma : Jurnal Program Mahasiswa Kreatif Vol 8 No 2 (2024): DESEMBER
Publisher : LPPM UIKA Bogor

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Abstract

This research examines the simultaneous influence of maintaining financial system stability through inflation and exchange rates. The research was conducted in three countries, Indonesia, Singapore and Malaysia, and lasted for seventeen months from 2019 to 2020. The method used was the simultaneity method. The research results show in Equation I that interest rates, consumption and exchange rates simultaneously influence inflation, but the money supply does not. Then, the results in Equation II show that Foreign Exchange Reserves and Inflation simultaneously influence the Exchange Rate, but Exports do not influence the Exchange Rate. Therefore, in controlling the financial system, the Central Bank must monitor consumption variables, interest rates and exchange rates to control inflation so that the financial system remains stable, as well as monitor foreign exchange reserves and inflation so that exchange rates in Indonesia, Singapore and Malaysia are maintained.
Analysis Of The Influence Of Port Export And Import Volume On Economic Growth In North Sumatera And West Sumatera Provinces Nuri Rahayu Ningsih; Andria Zulfa; Bakhtiar Efendi; Lia Nazliana Nasution; Rusiadi Rusiadi
International Journal of Economics, Commerce, and Management Vol. 1 No. 4 (2024): October : International Journal of Economics, Commerce, and Management
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/ijecm.v1i4.276

Abstract

Using a quantitative approach, this study investigates the effect of port export and import volumes on economic growth in North Sumatra and West Sumatra Provinces. Time series data from the World Bank and the Central Statistics Agency (BPS) from 2006 to 2023 are used as secondary data. The analysis uses the ARDL Panel model, which allows for analysis of data dynamics across time and regions. The results show that the three main indicators that affect economic growth (GRDP) in both provinces, both in the short and long term, are export volume, inflation, and exchange rates. In North Sumatra, export volume has a positive impact on GRDP, while import volume has a negative impact, indicating a risk of dependence on imports. Controlled inflation also has a positive impact, while the exchange rate shows a diversion. Policy recommendations are expected to improve global competitiveness and exchange rate stability through coordination of fiscal and monetary policies, support for the Export Capacity Building Program and MSMEs through the Regional Comprehensive Economic Framework (RCEP), and export diversification to reduce dependence on certain commodities. This study emphasizes that policies that are responsive to changes in trade at the national to international levels are an important foundation for stabilizing sustainable economic growth.
Co-Authors Bakhtiar Efendi Dwita Sakuntala Ellidianti, Rossy Novia Hendra Raza Kurniawan S., Amri Darma Lia Nazliana Nasution Lia Nazliana Nasution Muhammad Azhari Murhaban Murhaban Murtala, Murtala Mutiara Annisa Ningsih, Nuri Rahayu Nuri Rahayu Ningsih Putri Valentine Raudah Raudah Ridhani, Ridhani Riska Riska Rizka Fadillah Rusdianto, Budi Sabilayana Sabilayana Siregar, Kardina Timoria, Timoria