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All Journal Trikonomika: Jurnal Ekonomi JPBM (Jurnal Pendidikan Bisnis dan Manajemen) Jurnal Ilmiah Econosains Jurnal Pemberdayaan Masyarakat Madani (JPMM) Jurnal Pendidikan Ekonomi & Bisnis JURNAL DINAMIKA MANAJEMEN DAN BISNIS Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah JRMSI - Jurnal Riset Manajemen Sains Indonesia International Journal of Supply Chain Management IKRA-ITH EKONOMIKA MBIA ECOPLAN : JOURNAL OF ECONOMICS AND DEVELOPMENT STUDIES Jurnal Informatika Ekonomi Bisnis Parameter Nusantara Science and Technology Proceedings Jurnal Ilmu Manajemen Retail Universitas Muhammadiyah Sukabumi (JIMAT UMMI) Journal of Industrial Engineering & Management Research (JIEMAR) International Journal of Economy, Education and Entrepreneurship (IJE3) Indonesian Journal of Economy, Business, Entrepreneuship and Finance (IJEBEF) International Journal of Social Service and Research International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Review of Multidisciplinary Education, Culture and Pedagogy (ROMEO) COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat International Journal of Multidisciplinary Research and Literature (IJOMRAL) Sinomika Journal: Publikasi Ilmiah Bidang Ekonomi dan Akuntansi D'edukasi: Jurnal Pengabdian Masyarakat Rahmatan Lil’alamin Journal of Community Services (RLA) CASHFLOW : CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Journal of Management, Accounting, General Finance and International Economic Issues (MARGINAL) PERADABAN JOURNAL of ECONOMIC and BUSINESS Journal of Social Science International Research of Multidisciplinary Analysis Jurnal Ekonomi Kreatif dan Manajemen Bisnis Digital (JEKOMBITAL) Jurnal Informatika Ekonomi Bisnis Jurnal Serambi Ekonomi dan Bisnis Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi PENG: Jurnal Ekonomi dan Manajemen Jurnal Ilmiah Manajemen dan Akuntansi J-CEKI Jurnal Ekonomi, Manajemen, Akuntansi Ulil Albab Journal of Digital Business and Global Economy
Saparuddin Mukhtar
Universitas Negeri Jakarta
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THE EFFECT OF USING DIGITAL WALLETS AND FINANCIAL LITERACY ON CONSUMPTIVE BEHAVIOR OF STUDENTS IN DKI JAKARTA Nuratika, Oktavia; Mukhtar, Saparuddin; Wiralaga, Harya Kuncara
Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi Vol 3 No 3 (2022): Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi
Publisher : Fakultas Ekonomi Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/jpepa.0303.24

Abstract

This study aims to determine the influence of use digital wallet and financial literacy on the consumptive behavior of students in DKI Jakarta. The research method used was a survey method with a quantitative approach. The population in this study was students with a campus location in DKI Jakarta. The study sample 192 respondents who were determined by the lemeshow formula because the number of the population was unknow. Data collection techniques using questionnaires. The data analysis technique used is multiple linear regression analysis. The results showed that the use of digital wallet and financial literacy had a partial and simultaneous effect on consumptive behavior. The use of digital wallet has a positive and significant effect on consumptive behavior, while financial literacy has a negative and significant effect on consumptive behavior.
ANALYSIS OF FACTORS AFFECTING THE REGIONAL POVERTY GAP INDEX Safhira, Tyas; Mukhtar, Saparuddin; Suparno
Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi Vol. 4 No. 2 (2023): Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi
Publisher : Fakultas Ekonomi dan Bisnis Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/jpepa.0402.14

Abstract

The poverty gap index is a measure of poverty that emphasizes the average expenditure gap against the poverty line. This study aims to propose theoretical modelling of how the poverty gap index can approach the poverty line or in other words, the gap is getting smaller. The theory used in this research is the theory of the vicious circle of poverty as well as through the theory of economic growth. The factors that influence the poverty gap index analyzed and identified are the dependency ratio, mean years of schooling, and gross domestic product at constant prices. This research method uses a qualitative approach with literature study techniques, by analyzing theories and previous research and determining factors as predictors of poverty problems. Grounded theory by comparing correlation results as the findings of this research. This study shows that the dependency ratio has a positive effect on the poverty gap index, while the mean years of schooling and gross regional domestic product have a negative effect on the poverty gap index. Recommendations for future research, researchers suggest using other measurement indicators in poverty or other research methods to add or support similar research references.
THE EFFECT OF ECONOMIC GROWTH, PROVINCIAL MINIMUM WAGE, AND INVESTMENT ON EMPLOYMENT IN DKI JAKARTA PROVINCE IN 2018-2022 Safitri, Sahdia; Mukhtar, Saparuddin; Sebayang, Karuniana Dianta Arfiando
Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi Vol. 4 No. 3 (2023): Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi
Publisher : Faculty of Economics and Business, Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/jpepa.0403.06

Abstract

The employment problem in Indonesia is not just limited opportunities or employment opportunities and low productivity. The increase in unemployment rates is caused by limited demand for work, which is then associated with other external factors including the decline in the balance of payments, increasing foreign debt and other policies which result in a decline in economic growth, decline in wages, investment and decline in employment. The purpose of this study is to determine the effect of Economic Growth, Provincial Minimum Wage, Investment, and Covid-19 Dummy on Employment in DKI Jakarta Province in 2018-2022. This study used multiple linear regression method with Generalized Least Square (GLS) model. This study uses secondary data while Covid-19 is included in the dummy variable category. The results of this study show that economic growth has a positive and significant influence on employment. Meanwhile, the provincial minimum wage, investment, and Covid-19 dummy have a negative and insignificant effect on labor absorption in DKI Jakarta Province in 2018-2022.
ANALYSIS OF FACTORS AFFECTING INDONESIA'S CRUDE PALM OIL (CPO) EXPORTS IN THE GLOBAL MARKET 1992 - 2022 Awaliyah, Nissa Nur; Iranto, Dicky; Mukhtar, Saparuddin
Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi Vol. 4 No. 3 (2023): Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi
Publisher : Faculty of Economics and Business, Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/jpepa.0403.11

Abstract

One of the factors that can increase a country's Gross Domestic Product (GDP) is through international trade activities. This study aims to identify the factors that influence Indonesia's Crude Palm Oil (CPO) exports in the global market, focusing on certain variables. The research method used is a quantitative approach using secondary data from sources such as Bank Indonesia, World Bank, UN Comtrade, Statistics Indonesia, and GAPKI. Time series data from 1992 to 2022 was used in this analysis. The analysis was conducted using multiple linear regression models with the E-views 12 analysis tool. The results showed that the exchange rate and international CPO price had a positive and significant influence on Indonesia's CPO export volume. However, the inflation variable was found to have a negative, albeit insignificant, influence on Indonesia's CPO export volume.
ANALYSIS OF THE FACTORS AFFECTING THE PERFORMANCE OF INDONESIAN EQUITY FUNDS IN 2019-2022 Setiawan, Dito; Mukhtar, Saparuddin; Zahra, Siti Fatimah
Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi Vol. 5 No. 1 (2024): Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi
Publisher : Faculty of Economics and Business, Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/jpepa.0501.11

Abstract

The fund manager's approach to managing mutual funds has an impact on the performance of the funds. The performance of mutual funds, which rise annually, is a good indicator of fund managers' ability to manage them effectively. The goal of this research is to ascertain how fund cash flow, market timing ability, and stock selection ability affect equity fund performance from 2019 to 2022. Applying the technique of purposive sampling, this research sample consists of 17 equity funds products chosen based on the research criteria. The research makes use of the prospectus of equity mutual fund products from 2019 to 2022, interest rates, Composite Stock Price Index (IHSG), and Net Asset Value (NAV) of mutual funds every month. The study used panel data regression method with Common Effect Model (CEM) approach. The results of the study show that stock selection ability and fund cash flow have a positive and significant effect on the performance of equity mutual funds. Meanwhile, market timing ability has a positive but insignificant effect on the equity funds performance for the 2019-2022 period.
CREATIVITY AND RISK-TAKING PROPENSITY FACTORS IN ENCOURAGING ENTREPRENEURIAL INTENTIONS AMONG HIGH SCHOOL STUDENTS Hidayah, Shofiyatul; Wibowo, Agus; Mukhtar, Saparuddin; Kundriyah, Kundriyah
Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi Vol. 4 No. 3 (2023): Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi
Publisher : Faculty of Economics and Business, Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/jpepa.0403.14

Abstract

The low level of entrepreneurship in Indonesia is caused by a lack of skills among aspiring entrepreneurs. So, concrete steps are needed to improve entrepreneurial skills in the community. One of them is through education, by instilling entrepreneurial intentions since sitting in school. This study was conducted to determine the influence between creativity and risk-taking tendencies on entrepreneurial intentions of SMAN 68 Jakarta students in the Pancasila Student Profile Strengthening Project (P5) entrepreneurship program. The research method used is quantitative research method. The population used in this study were all X-grade students consisting of 275 students with a sample size of 164 students. Research hypothesis testing was carried out using the Structural Equation Model (SEM) approach based on Partial Least Square (PLS) version 4.0.2. The results showed that creativity has a positive and significant influence on entrepreneurial intention, risk-taking tendency has a positive and significant influence on entrepreneurial intention, creativity has a positive and significant influence on risk-taking tendency, and risk-taking tendency has a mediating role in the relationship of creativity to entrepreneurial intention. Researchers provide an understanding of the factors that can increase entrepreneurial intentions, namely creativity and risk-taking tendencies, in P5 entrepreneurship activities in schools.
EXAMINING THE IMPACT OF EASE OF USE, DATA SECURITY, AND USEFULNESS ON QRIS APPLICATION USAGE INTENSITY AMONG STUDENTS Andriany, Dewy Rika; Nikensari, Sri Indah; Mukhtar, Saparuddin
Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi Vol. 5 No. 1 (2024): Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi
Publisher : Faculty of Economics and Business, Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/jpepa.0501.12

Abstract

This study aims to evaluate the influence of ease of use, data security, and usefulness on the usage intensity of the Quick Response Code Indonesian Standard (QRIS) application among students at the State University of Jakarta. This research employs a quantitative method with a survey approach. Data were obtained through questionnaires distributed to 150 students who have used the QRIS application. The sampling technique applied was convenience sampling. Data analysis was conducted using the Partial Least Square (PLS) method. The results of the study indicate that ease of use has a positive and significant influence on the intensity of QRIS application usage. Similarly, data security shows a positive and significant effect on usage intensity. Additionally, usefulness is found to have a positive and significant impact on the intensity of QRIS application usage among students at the State University of Jakarta. This study provides practical implications for QRIS application developers and stakeholders in the education sector to enhance features of ease of use, security, and usefulness to increase the usage intensity of the application among students.
The Influence of Third-Party Funds, Return on Assets, and Financing to Deposit Ratio on Sharia Banking Financing in MSMEs -, Rahmanisa Aulia Safitri; Saparuddin Mukhtar; Siti Fatimah Zahra
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 2 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i2.22540

Abstract

This article analyzes the determinants of MSME financing at Islamic Commercial Banks. This is measured by internal bank factors, namely Third-Party Funds, Return on Assets, and Financing to Deposit Ratio. This paper used time series data sourced from Otoritas Jasa Keuangan for the period January 2021 - December 2023. Through multiple linear regression analysis with the Ordinary Least Square (OLS) method, it can be concluded that: First, partially, TPF and FDR have a significant positive effect on MSME Financing, while the ROA has nonsignificant negative effect on MSME Financing for Islamic Commercial Banks. Second, simultaneously, all variables have a significant positive effect on MSME Financing for Islamic Commercial Banks. With these results, it is hoped that this research can contribute to policy or decision making for Islamic Commercial Banks to improve financing distribution to the MSME sector, both working capital financing and investment financing for the MSME sector in Indonesia.
FINTECH PAYMENT ABILITY FOR MSME ACTIVITIES OF THE BABY BOOMERS GENERATION IN SOUTH TANGERANG CITY Azzahra, Shalsa; Nikensari, Sri Indah; Mukhtar, Saparuddin
CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Vol. 2 No. 1 (2022): OCTOBER
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/cashflow.v2i1.379

Abstract

Advances in technology in the financial sector, namely fintech payments in the current digital era, can be a challenge to adapt in everyday life. And it is undeniable that the generation that grew up with technology has very different expectations and experiences in using digital media than previous generations. This study aims to determine the effect of digital economic literacy and financial inclusion on the ability to use fintech payments through financial inclusion for the MSMEs of the baby boomers generation based on valid data. Data collection was carried out in this study using quantitative techniques with data analysis techniques Path Analysis through questionnaires. The number of samples studied were 160 SMEs of the baby boomers generation in South Tangerang City in 2022. The research variable data was in the form of primary data consisting of the ability to use fintech payments (Y), digital economic literacy (X1) and financial inclusion (X2). The results of the study show that digital economic literacy has a positive effect on the ability to use fintech payments; financial inclusion has a positive effect on the ability to use fintech payments; digital economic literacy has an indirect effect on the ability to use fintech payments through financial inclusion.
PENINGKATAN KREATIVITAS DAN KAPABILITAS INOVASI TERHADAP KEUNGGULAN BERSAING MELALUI KONSEP QUADRUPLE HELIX (Pada Usaha Ekonomi Kreatif Sub-sektor DKV di Jakarta) Soraya, Andien Amirani; Mukhtar , Saparuddin; Iranto , Dicky
Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Vol. 2 No. 5 (2024): Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi
Publisher : Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.572349/neraca.v2i5.1625

Abstract

Dewasa ini, digitalisasi menjadi salah satu komponen yang memegang peran penting dalam perekonomian, utamanya pada kegiatan bisnis. Transformasi digital atau digitalisasi yang juga terjadi di Indonesia secara tidak langsung turut membantu pertumbuhan ekonomi, terutama melalui sektor ekonomi kreatif. Perkembangan ekonomi kreatif tidak terpisahkan dari kemajuan teknologi. Pemanfaatan teknologi secara baik dan positif dapat membantu pelaku usaha ekonomi kreatif, khususnya sub-sektor Desain Komunikasi Visual (DKV) bidang ilustrasi, yakni illustrator, untuk lebih optimal dalam mencapai keunggulan bersaing. Namun, secara bersamaan, hal ini juga menjadi tantangan bagi ilustrator untuk terus meningkatkan kreativitas dan kemampuan berinovasi pada jenis produk dan pelayanan yang ditawarkan, agar mereka bisa mencapai keunggulan bersaing atau setidaknya mampu bertahan di industri ini. Tujuan dari penelitian ini adalah untuk mengkaji peningkatan kreativitas dan kapabilitas inovasi terhadap keunggulan bersaing melalui konsep Quadruple Helix pada usaha ekonomi kreatif sub-sektor Desain Komunikasi Visual (DKV) bidang ilustrasi di Jakarta. Penelitian ini dilakukan menggunakan pendekatan kuantitatif. Teknik sampling yang digunakan pada penelitian ini adalah non-probably sampling. Sampel yang digunakan pada penelitian ini sebanyak 99 responden dengan kriteria: berprofesi sebagai ilustrator yang berdomisili di Jakarta. Analisis data dalam penelitian ini menggunakan bantuan perangkat lunak SmartPLS 4.1.0.2 dengan teknik Outer Model dan Inner Model serta Bootstraping. Hasil penelitian ini mengungkapkan bahwa konsep Quadruple Helix belum sepenuhnya berpengaruh signifikan terhadap peningkatan kreativitas dan kapabilitas inovasi (intellectuals tidak berpengaruh signifikan terhadap peningkatan kreativitas; government, business, dan civil society tidak berpengaruh signifikan terhadap peningkatan kapabilitas inovasi). Selain itu, tidak terdapat pengaruh yang signifikan antara Kreativitas dan Keunggulan Bersaing.
Co-Authors -, Rahmanisa Aulia Safitri Adamu Abbas Adamu Adamu, Adamu Abbas Aditya Pratama Agus Wibowo Agus Wibowo Agustina, Nadya Ahnanto Ahnanto Alhidayatullah Alifah Kusumaningrum Amanda Setiorini Andina, Yunita Tri Andriany, Dewy Rika Anisa Putri Isnaini Aprilisa, Nursyifa Ardilah Fitriani Arif Yogi Saputra Aryasari, Devita As’ad Samsul Arifin Awaliyah, Nissa Nur Azzahra, Fadilah Azzahra, Shalsa Bagus Shandy Narmaditya Basri Bado Basri Bado Bhakti Dwi Hasta Budiaman, Budiaman Charlie Albert Lasuin Dedeh Dedeh Dian Lestari Dicky Iranto Dicky Iranto Dicky Irianto, Dicky Dwi Handarini Dwi Ringga Edwid Dian Negara Eko Tama Putra Saratian Fadhil Firmansyah Fadhillah, Dini Nur Fauziah, Ilma Nur Fewi Siti Nur’aeni Fitrianingsih, Yuli Gusti Prasetyo Bayu H Herlitah Hafni, Rayni Delya Hamonangan, Mahardhika Michael Hanif Afif Naufal Harya Kuncara Wiralaga Haryo Kuncoro Hera Khairunnisa Herlitah Herlitah, Herlitah Herwanto, Muhammad Ravi Hidayah, Shofiyatul Ida Ayu Putu Sri Widnyani Indri Murniawaty Indriyani, Vivia Aegea Iranto , Dicky Isnaini Intan Permadani Jusuf, Halid K Karuniana Dianta Arfiando Sebayang Khafifah, Aura Kikin Yuliaty Subarsa Putri Kinanti Geminastiti Kundriyah, Kundriyah Laelawati Laelawati Lathiefah Rabbaniyah Lilis Suryani Maranik, Zita Fira Marlina Senja Mohamad Rizan Mohammad Rizan Mohammad Rizan Mohammad Sofwan Effendi Mohammad Sofwan Effendi Muh. Abdul Aziz Muhammad Edo Suryawan Siregar Muhammad Fakhri Muhammad Irsyad Mustaqim Muhammad Rio Julianto Muthya Octariany Nauli N., Sri Indah Naf’an, Wazir Ningsih, Idha Marta Kurnia Norma Ayu Wahyuni Nur Ramadini Tria Wafa Nuratika, Oktavia Nurwandah Apriyanti Permadani, Isnaini Intan Popon Pranawati Purwana E.S., Dedi Purwana, Dedy Putri, Febriyanti Safdi Putri, Indira Putri, K. Y.S Rahmatul Khalik Ratnasari, Kania Rd. Tuty Sariwulan Resti Annisa RHI Muhammad Ibnu Hibban Riana Raudha Adni Ridho Mulyo Pambagyo Rifelly Dewi Astuti Rina Herlina Rina Mariana Ristiana, Ayu Rubiah Rubiatul Adawiyah Rudi Casmana, Asep Safhira, Tyas Safitri, Sahdia Salwan Hanafi Samadi Saptono, Ari Sekar Tri Widati Selly Yolanda Selly Yolanda, Selly Setiawan, Dito Shalsa Azzahra Shandy Aditya Siti Fatimah Zahra Siti Nurjanah Siti Saadah Sofwan, M. Soraya Alamanda Soraya, Andien Amirani Sri Indah Nikensari Suparno Suparno Suparno Suparno Suparno Taufik Akbar Tri Dahlia Putri Triono, Doni Umasih Umasih Usep Suhud Vironica Nurani Yonatan Wahono, Puji Wahyuni, Norma Ayu Wang Fei Widawati, Cindi Dyah Widya Meinita Wulan, Linda Dewi Yanti Yulianti Yeti Lastuti Yuliansyah, Ardian Ridho Yusyana Lussardi Zahra, Siti Fatimah Zairin, Gentiga Muhammad