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All Journal Jurnal Ekonomi Kuantitatif Terapan Jurnal Ilmiah Mahasiswa FEB TEMA (Jurnal Tera Ilmu Akuntansi) International Journal of Local Economic Governance Creative Research Management Journal Contemporary Studies in Economic, Finance and Banking (CSEFB) Islamic Economics and finance in Focus (IEFF)
Ghozali Maski
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences

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Analysis of Electricity Consumption Behaviour: Case Study of Non Business and Business Household in Malang City Kautsari Anggun Karisma; Ghozali Maski; Iswan Noor
e-2477-1929
Publisher : Institute of Research and Community Service, University of Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (59.155 KB) | DOI: 10.21776/ub.ijleg.2016.002.02.8

Abstract

This study aimed to (1) analyze the characteristic of the households affecting energy consumption of household electricity, that was conducted in city of Malang by analyzing the probability of each factors affecting like income, location, price of electricity (tariff), size of houses, size members household, voltages, home appliances, type of business, the bill of payment of consumption demand electricity of non-business household and business household (2) analyze the differences characteristic in consumption of non-business household than business household in Malang. (3) analyze the most effected or dominant factor to influence consumption electricity of non-business household and business household in Malang City. The results show that in Malang, according to the simultan determine income, location, size of houses, size members household, voltages, home appliances, type of business, ability to pay of demand had a significant and positive affect on the consumption electricity of non-business household and business household. But according to partial determine the effected significant factors of electricity consumption of non-business household are members, voltage and the pay of payment and according to partial determine the effected significant factors of electricity consumption of private household are price of electricity (tariff), voltage and the bill of payment and type of business household industries. The characteristic consumption patterns electricity of non-business household is contrastly different from business household. The most effected or dominant factor to influence consumption electricity of non-business household and business household in Malang City is the ability to pay the bill electricity of household of month.Keywords: Consumption behaviour, Members of household, Voltages, The bill of payment, Type of business, Electricity, Household This study aimed to (1) analyze the characteristic of the households affecting energy consumption of household electricity, that was conducted in city of Malang by analyzing the probability of each factors affecting like income, location, price of electricity (tariff), size of houses, size members household, voltages, home appliances, type of business, the bill of payment of consumption demand electricity of non-business household and business household (2) analyze the differences characteristic in consumption of non-business household than business household in Malang. (3) analyze the most effected or dominant factor to influence consumption electricity of non-business household and business household in Malang City. The results show that in Malang, according to the simultan determine income, location, size of houses, size members household, voltages, home appliances, type of business, ability to pay of demand had a significant and positive affect on the consumption electricity of non-business household and business household. But according to partial determine the effected significant factors of electricity consumption of non-business household are members, voltage and the pay of payment and according to partial determine the effected significant factors of electricity consumption of private household are price of electricity (tariff), voltage and the bill of payment and type of business household industries. The characteristic consumption patterns electricity of non-business household is contrastly different from business household. The most effected or dominant factor to influence consumption electricity of non-business household and business household in Malang City is the ability to pay the bill electricity of household of month.Keywords: Consumption behaviour, Members of household, Voltages, The bill of payment, Type of business, Electricity, Household 
Analisis Efek Penularan Melalui Pendekatan Risiko Sistemik dan Keterkaitan Keuangan Setyo Tri Wahyudi; Rihana Sofie Nabella; Ghozali Maski
Jurnal Ekonomi Kuantitatif Terapan 2020: Vol. 13, No. 1, Februari 2020 (pp. 1-210)
Publisher : Universitas Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (727.353 KB) | DOI: 10.24843/JEKT.2020.v13.i01.p03

Abstract

Banking sector plays an important role in the economy. The emergence of the dual banking system era has become an alternative source of financing aside from conventional banks in supporting economic growth. Banks are also expected to be able to manage their risks well, one of them is systemic risk. This risk arises due to the contagion effect and is compounded by the financial linkages between banks. Research aims to analyze the contagion effect through a systemic risk approach and financial linkage on the dual banking system in Indonesia. This study uses the Conditional Value at Risk (CoVaR) by Adrian and Brunnermeier (2009) with a sample of 8 Islamic banks and 7 conventional commercial banks in Indonesia from January 2012 to December 2018. The results obtained are systemic risk and financial linkage able to explain the contagion effect in a banking system. High systemic risk and high financial linkage can drive negative externalities towards other institutions in the banking system, in this case transmitting risks. Keywords: contagion effect, systemic risk, financial linkage, dual banking system
ANALISIS PENGARUH BUNGA KREDIT, BUNGA DEPOSITO, RISIKO KREDIT, LABA BANK, DAN KECUKUPAN MODAL, TERHADAP KREDIT BANK UMUM NASIONAL DI INDONESIA PERIODE TAHUN 1996-2000 Beny Hendrawan Wahyuaji; Ghozali Maski
Jurnal Ilmiah Mahasiswa FEB Vol 1, No 2: Semester Genap 2012/2013
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (458.964 KB)

Abstract

Bank adalah lembaga keuangan yang mempunyai fungsi sebagai penghimpun dan penyalur dana dari masyarakat dengan tujuan untuk dapat meningkatkan kesejahteraan masyarakat pada umumnya. Namun di sisi lain, bank sebagaimana suatu perusahaan pada umumnya, tentu menginginkan keuntungan yang maksimum serta yang terutama adalah kelangsungan hidup usahanya. Untuk dapat tetap  survive  dan memperoleh keuntungan, maka bank harus dapat memaksimalkan kegiatan penggunaan dananya untuk memperoleh pendapatan melalui berbagai alternatif investasi. Pada penelitian ini akan membahas tentang pendapatan bank melalui investasi yang berupa kredit. Sehingga permasalahan yang akan dibahas adalah bagaimanakah pengaruh bunga kredit, bunga deposito, risiko modal, laba bank, kecukupan modal terhadap kredit bank umum nasional di Indonesia.Bank sering pula disebut dengan lembaga kepercayaan. Berbeda halnya dengan perusahaan lain, transaksi usaha bank senantiasa berkaitan dengan uang karena memang komoditi usaha bank adalah uang. Sejalan dengan karakteristik usaha tersebut, maka bank merupakan suatu segmen usaha yang kegiatannya banyak diatur oleh pemerintah. Pengaturan ini tidak terlepas dari peranannya dalam pelaksanaan kebijakan moneter yang dijalankan pemerintah. Dalam kegiatannya, bank dapat mempengaruhi jumlah uang beredar yang merupakan salah satu sasaran pengaturan oleh otoritas moneter dengan menggunakan berbagai piranti kebijaksanaan moneter “ Tidak berbeda dengan pengertian di atas, Sinungan (1994 : 12) menyatakan bahwa : Bank sebagai lembaga keuangan berfungsi sebagai financial intermediary atau perantara keuangan dari dua pihak yaitu : pihak yang berkelebihan dana dan pihak yang kekurangan dana. Selain itu, sebagai institusi yang amat penting peranannya dalam masyarakat, bank adalah suatu lembaga keuangan yang usaha pokoknya memberikan kredit dan usaha usaha dalam lalu lintas pembayaran dan peredaran uang.Penelitian ini dilakukan dengan tujuan  menganalisa faktor-faktor apa sajakah yang mempengaruhi besarnya penyaluran kredit oleh bank-bank umum nasional di Indonesia. M Selain itu juga untuk  engetahui langkah-langkah strategis perbankan dalam kebijaksanaan manajemen aktiva-pasiva, perilaku perbankan dalam menghadapi risiko terhadap investasi yang dilakukannya dan menambah wawasan dan pengetahuan khususnya dalam bidang perbankan.Penelitian ini  dilakukan  pada  bank  umum nasional yang  “go  public”  dan  terdaftar  di Bursa Efek Surabaya (BES). Adapun obyek analisis dari penelitian ini adalah besarnya investasi dalam bentuk kredit dan faktor-faktor yang mempengaruhinya. Seluruh data diambil selama kurun waktu lima tahun mulai tahun 1996 sampai dengan tahun 2000. Untuk mengetahui faktor-faktor apa yang mempengaruhi besarnya  kredit bank-bank umum nasional, digunakan metode regresi berganda. Kata Kunci: Persistensi Bank, Administered Price,  bunga kredit,  bunga deposito, risiko modal, laba bank, kecukupan modal terhadap kredit bank umum nasional di Indonesia.
Analisis Pengaruh Pengeluaran Pemerintah Daerah dan Pertumbuhan Ekonomi Terhadap Ketimpangan Pembangunan Wilayah (Studi pada Kabupaten dan Kota di Jawa Timur) Lukman Harun; Ghozali Maski
Jurnal Ilmiah Mahasiswa FEB Vol 1, No 2: Semester Genap 2012/2013
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (286.162 KB)

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh dari Pengeluaran Pemerintah Daerah dan Pertumbuhan Ekonomi terhadap Ketimpangan Pembangunan Wilayah di seluruh kabupaten dan kota di Propinsi Jawa Timur pada tahun 2007-2011. Ketimpangan Pembangunan Wilayah sebagai variabel dependen diukur dengan menggunakan metode pengukuran Indeks Williamson. Berdasarkan tujuan tersebut metode analisis data yang digunakan adalah metode analisis regresi data panel dengan pendekatan Random Effect Model. Hasil empiris penelitian ini menunjukkan bahwa Pengeluaran Pemerintah Daerah berpengaruh negatif dan signifikan terhadap Ketimpangan Pembangunan Wilayah dan Pertumbuhan Ekonomi berpengaruh positif dan signifikan terhadap Ketimpangan Pembangunan Wilayah. Kata kunci :   Ketimpangan Pembangunan Wilayah, Pengeluaran Pemerintah Daerah, Pertumbuhan Ekonomi
IDENTIFIKASI FAKTOR FAKTOR STRATEGIS DALAM RANGKA PEMBUATAN PERENCANAAN PEMBANGUNAN PARTISIPASI DESA PAKIS MOJOKERTO JAWA TIMUR Bambang Agoes Hermanto; Asfi Manzilati; Ghozali Maski; Munawar Ismail
Creative Research Management Journal Vol 4 No 1 (2021): June
Publisher : Universitas Prof. Dr. Hazairin SH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32663/crmj.v4i1.1835

Abstract

The purpose of this study is to identify strategic factors in the framework of making participatory development planning in thevillage of Pakis Mojokerto, East Java. The methodology used in this research is descriptive qualitative using SWOT analysis. The results of the study show that the actors of strengths and opportunities greatly contribute to strategic determination, so thestrategy used is to optimize strengths in seizing opportunities. The strategy is to increase human resources (including improving health and education infrastructure and facilities), increase access to financial institutions or credit for productive business development, develop non-agricultural businesses that are still related to the agricultural sector, and develop village tourism. The implications of this research are The strategy used in participatory development planning is to strengthen strengths toovercome weaknesses
PENGARUH KESADARAN HALAL, GAYA HIDUP, DAN KUALITAS PRODUK TERHADAP KEPUTUSAN PEMBELIAN KONSUMEN SHOPEE FOOD Fuadah, Aulia Tsamrotul; Ghozali Maski
Islamic Economics and finance in Focus Vol. 3 No. 1 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2024.03.01.14

Abstract

The dominating Muslim population in Indonesia and the increase in the number of products that have been halal certified have not been able to describe the consumption behavior of Muslims to be more selective in ensuring the halalness of a product. The purpose of this study is to research and analyze the influence of halal awareness, lifestyle, and product quality on Muslim consumers' decisions on the food delivery service application Shopee Food. The samples obtained were 120 respondents. The analytical tests used are data instrument quality tests, coefficient of determination (R2), classic assumption test, principal component regression analysis with a confirmatory factor analysis approach, t test, and F test. The results of the analysis state partially and simultaneously the variables of halal awareness, lifestyle , and product quality has a significant positive effect on purchasing decisions in the Shopee Food application.
PENGARUH KURS,SUKU BUNGA,INFLASI DAN JUMLAH UANG BEREDAR TERHADAP INDEKS HARGA SAHAM GABUNGAN DI BURSA EFEK INDONESIA TAHUN 2014-2022 Mohammad Farhan; Ghozali Maski
Contemporary Studies in Economic, Finance and Banking Vol. 3 No. 4 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2024.03.4.08

Abstract

This study aims to investigate the influence of exchange rates, interest rates, inflation, and money supply on the Composite Stock Price Index (IHSG) at the Indonesia Stock Exchange during the period 2014-2022 using multiple linear regression analysis. The study utilizes secondary data obtained from Bank Indonesia, the Indonesia Stock Exchange, and the Central Statistics Agency. The analysis reveals that among the four independent variables examined, only the exchange rate significantly influences the IHSG. Specifically, changes in the exchange rate have a significant impact on the movement of the IHSG in the Indonesian capital market. Meanwhile, interest rates, inflation, and money supply do not show significant effects on the IHSG during the studied period. These findings provide valuable insights for investors and policymakers to understand the factors influencing the IHSG movements in the Indonesian stock market. The practical implication of this research underscores the importance of considering exchange rate factors in formulating investment strategies in the Indonesian stock market.
The Effectiveness of Loan Interest Rate, Money Supply, Exchange Rate, Investment, and Inflation on Economic Growth: A Comparative Study Between Pre- and Post-2008 Global Crisis Periods Putih Nurmala Sari; Ghozali Maski
Contemporary Studies in Economic, Finance and Banking Vol. 4 No. 3 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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

Abstract

This study aims to analyze the effectiveness of Bank Indonesia’s monetary policy, represented by loan interest rate, money supply, exchange rate, investment, and inflation, on Indonesia’s economic growth before and after the 2008 global financial crisis. The methods used are the Domowitz-El Badawi Error Correction Model (ECM) and Chow test to examine structural differences between the two periods. The findings reveal that the selected variables are not statistically significant in affecting economic growth during both periods, except for the exchange rate which has a significant negative effect in the pre-crisis period. The Chow test confirms the presence of a significant structural shift, indicating a change in monetary policy effectiveness after the crisis. These results provide empirical insights and practical implications for formulating more adaptive monetary policies in post-crisis economic conditions.
Co-Authors Agustina Lastri Pangulu Asfi Manzilati Bambang Agoes Hermanto Beny Hendrawan Wahyuaji Berto Muharman Dyan Ari Iswanto Fernia Niken Susanti Fuadah, Aulia Tsamrotul Galih Pratama Putra Halim Burhani Iswan Noor Kautsari Anggun Karisma Mochamad Fajar Hidayat Mohammad Farhan Mudinillah, Adam Munawar Ismail Nila Arinda Putih Nurmala Sari Rihana Sofie Nabella Setyo Tri Wahyudi Umi Salamah