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Pemahaman Literasi Keuangan dan Kemampuan Pengelolaan Keuangan terhadap Pengembangan Usaha UMKM Rusliana, Nanang; Setya Wardhani, Dyah Ciptaning Lokiteswara; Abdul Fatah, R. Hozin
WELFARE Jurnal Ilmu Ekonomi Vol 3, No 2 (2022): November
Publisher : Jurusan Ekonomi Pembangunan, Fakultas Ekonomi, Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/wlfr.v3i2.5748

Abstract

Financial literacy is essential and necessary for the wider community at this time. Everything about business development requires an understanding of finance and good financial management. Therefore people are demanded to understand financial literacy. Good financial literacy will also enhance the level of welfare because understanding it will make someone wiser in managing their finances. This study uses path analysis with primary data using a questionnaire to the owners of MSMEs in West Java. The results showed that the results of the regression coefficients obtained indicate that the financial management factor is the more dominant factor in influencing business development.Literasi keuangan merupakan hal yang penting dan menjadi kebutuhan bagi masyarakat secara luas pada masa ini. Segala sesuatu mengenai pengembangan usaha memerlukan pemahaman mengenai keuangan dan pengelolaan keuangan yang baik. Oleh karena itu, masyarakat dituntut harus memahami akan literasi keuangan tersebut. Literasi keuangan yang baik akan turut mendorong tingkat kesejahteraan dikarenakan dengan memahami maka akan membuat seseorang menjadi lebih bijak dalam mengelola keuangannya. Penelitian ini menggunakan analisis path dengan data primer menggunakan kuesioner kepada pemilik UMKM di Jawa Barat. Hasil penelitian menunjukan bahwa Dari hasil koefisien regresi yang didapat menunjukkan bahwa pengelolaan keuangan menjadi faktor yang lebih dominan dalam memengaruhi pengembangan usaha.
Political Risk; Inflasi; dan Bi Rate; serta Pengaruhnya terhadap Return Saham (Survei pada Perusahaan Indeks LQ45 2009- 2019) Lokiteswara Setya Wardhani, Dyah Ciptaning; Rusliana, Nanang
WELFARE Jurnal Ilmu Ekonomi Vol 3, No 1 (2022): Mei
Publisher : Jurusan Ekonomi Pembangunan, Fakultas Ekonomi, Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (75.482 KB) | DOI: 10.37058/wlfr.v3i1.4746

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This research aims to determine the effect of political risk, inflation and interest rate on stock return in LQ45 index on 2009-2019 period either simultaneously or partially. Stock price always fluctuated depending on demand for stock. Therefore, investors need to consider macroeconomic factors or political risk factor beside fundamental factor analysis. The type of this researh using explanatory research with quantitative approach. Determination’s sample using quartely time series data on january 2009-2019 period and for analysis return using CAPM with 17 companies listed in indeks LQ45 on 2014-2019 period.  The analysis technique used multiple linier regression analysis. The result showed that partially variable interest rate has significant effest to stock return while political risk and inflation hasn’t significant effect to stock return. And simultaneously, influence of political risk, inflation and interest rate to stock return shows 44,05% which means 55.95% influenced by other factors.Penelitian ini bertujuan untuk mengetahui pengaruh political risk , inflasi dan BI rate terhadap return saham indeks LQ45 periode 2009 sampai dengan 2019 baik secara simultan maupun parsial. Harga saham yang berfluktuasi tergantung tinggi rendahnya permintaan saham mengakibatkan investor harus mempertimbangkan faktor-faktor risiko politik maupun makroekonomi selain faktor fundamental perusahaan. Penentuan sampel menggunakan data time series kuartal periode 2009-2019 dan untuk perhitungan analisa nilai return yang diharapkan menggunakan teknik CAPM dengan jumlah perusahaan 17 perusahaan yang pernah terdaftar di indeks LQ45 periode 2014-2019. Teknik analisis yang digunakan menggunakan regresi linear berganda dengan hasil penelitian secara parsial hanya variabel bi rate yang berpengaruh signifikan terhadap return sedangkan risiko politik dan inflasi tidak berpengaruh signifikan terhadap return saham. Analisis secara bersama-sama menunjukkan bahwa sebesar 44,05% risiko politik, inflasi dan BI rate berpengaruh terhadap return saham. Adapun 55,95% dipengaruhi oleh faktor lain yang tidak dianalisis dalam penelitian ini.
Analisis Dampak Keberadaan Tempat Pembuangan Sampah Akhir Ciangir terhadap Peningkatan Ekonomi di Kecamatan Tamansari Kota Tasikmalaya Rusliana, Nanang; Kadarisman, Encang; Sukarso, Aso
WELFARE Jurnal Ilmu Ekonomi Vol 3, No 1 (2022): Mei
Publisher : Jurusan Ekonomi Pembangunan, Fakultas Ekonomi, Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (75.482 KB) | DOI: 10.37058/wlfr.v3i1.4187

Abstract

The purpose of this study is to identify and estimate the benefits and losses experienced by the community; as well as providing alternative policy options that can increase the benefits and or reduce the losses from the existence of the Ciangir TPSA. The data used in this study are primary and secondary data. The analytical method used in this study is the Benefit Cost Ratio (BCR) method. The results showed that the existence of a final waste disposal site (TPSA) in Ciangir, Mugarsari Village, Tamansari Subdistrict, Tasikmalaya City had a positive (beneficial) and negative (harmful) impact on the surrounding community. The positive impact that is felt directly by the community around the Ciangir TPSA is the income obtained from the utilization of Ciangir TPSA waste. The negative impact of the existence of the Ciangir TPSA is the emergence of water and air pollution. This pollution will eventually lead to additional expenses for the community around TPSA Ciangir which includes health costs which are directly borne by the community around TPSA Ciangir. The result of the Benefit Cost Ratio (BCR) analysis of 7.65 indicates that the existence of TPSA Ciangir provides more direct benefits. This means that the direct income obtained is 7 times greater than the direct costs incurred with the existence of the Ciangir TPSA.Tujuan penelitian ini adalah untuk mengidentifikasi dan mengestimasi manfaat dan kerugian yang dialami oleh masyarakat; serta memberikan alternatif pilihan kebijakan yang dapat meningkatkan manfaat dan atau mengurangi kerugian dari keberadaan TPSA Ciangir. Data yang digunakan pada penelitian ini adalah data primer dan sekunder. Metode analisis yang digunakan dalam penelitian ini ialah metode Benefit Cost Ratio (BCR). Hasil penelitian menunjukkan bahwa keberadaan tempat pembuangan sampah akhir (TPSA) di Kampung Ciangir Desa Mugarsari Kecamatan Tamansari Kota Tasikmalaya memberikan dampak positif (menguntungkan) dan dampak negatif (merugikan) bagi masyarakat sekitarnya. Dampak positif yang dirasakan langsung oleh masyarakat di sekitar TPSA Ciangir adalah penghasilan yang diperoleh dari pemanfaatan sampah TPSA Ciangir. Adapun dampak negatif keberadaan TPSA Ciangir yakni timbulnya pencemaran air dan udara. Pencemaran tersebut pada akhirnya akan menimbulkan biaya pengeluaran-pengeluaran tambahan bagi masyarakat di sekitar TPSA Ciangir yang mencakup biaya kesehatan yang secara langsung ditanggung oleh masyarakat di sekitar TPSA Ciangir. Hasil analisis Benefit Cost Ratio (BCR) yaitu sebesar 7,65 menunjukkan bahwa keberadaan TPSA Ciangir lebih memberikan manfaat secara langsung. Hal ini berarti bahwa pendapatan langsung yang diperoleh lebih besar 7 kali lipat daripada biaya langsung yang dikeluarkan dengan keberadaan TPSA Ciangir tersebut.
Tingkat Profitabilitas Koperasi BKPT Tjiawi Ditinjau dari Pengaruh Likuiditas dan Solvabilitas Rusliana, Nanang; Lokiteswara Setya Wardhani, Dyah Ciptaningsih
WELFARE Jurnal Ilmu Ekonomi Vol 2, No 2 (2021): November
Publisher : Jurusan Ekonomi Pembangunan, Fakultas Ekonomi, Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (416.574 KB) | DOI: 10.37058/wlfr.v2i2.3628

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The purpose of the research is to find out liquidity ratio, solvability effect toward profitability ratio simultaneously and partially. The research conducted by field research using quantitative method. In this study, the data was collected by using the documentation and literary study. The location of this study is at Koperasi BKPT Tjiawi in Ciawi Tasikmalaya District, West Java. This research used multiple regression with SPSS V.20. Th results of the research indicate that the liquidity ratio strongly and significantly affects profitability ratio of Koperasi BKPT Tjiawi; the solvability ratio significantly affects towards the profitability ratio in Koperasi BKPT Tjiawi; analyzed together, the liquidity and the solvability ratios have significant effect on the profitability ratio in Koperasi BKPT Tjiawi. Penelitian ini bertujuan untuk mengetahui bagaimana pengaruh rasio likuiditas dan rasio solvabilitas terhadap rasio profitabilitas koperasi BKPT Tjiawi baik secara parsial maupun secara bersama-sama. Penelitian lapangan dilakukan dengan menggunakan metode deskriptif kuantitatif. Dalam penelitian ini, pengumpulan data dilakukan dengan menggunakan studi dokumentasi dan studi kepustakaan. Lokasi penelitian ini bertempat di Koperasi BKPT Tjiawi yang berada di Ciawi Tasikmalaya Provinsi Jawa Barat. Alat uji yang digunakan yakni uji regresi berganda dengan software SPSS V.20. Hasil penelitian ini menunjukkan bahwa rasio likuiditas berpengaruh secara signifikan terhadap rasio profitabilitas pada Koperasi BKPT Tjiawi. Rasio solvabilitas berpengaruh secara signifikan terhadap rasio profitabilitas pada Koperasi BKPT Tjiawi. Secara bersama-sama, rasio likuiditas, dan rasio solvabilitas berpengaruh signifikan terhadap rasio profitabilitas Koperasi BKPT Tjiawi.
Peran Industri Jasa Keuangan dalam Pembangunan Ekonomi Indonesia Arifah, Husna; Meidy H, Moch. Fauzan; Surgawati, Iis; Rusliana, Nanang; Zahra Nasution, Fatimah
WELFARE Jurnal Ilmu Ekonomi Vol 4, No 1 (2023): Mei
Publisher : Jurusan Ekonomi Pembangunan, Fakultas Ekonomi, Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/wlfr.v4i1.7173

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The financial services industry is a sector that involves various institutions and companies that function as intermediaries in financial activities. The main objective of the financial services industry is to provide financial products and services to the public, such as loans, savings, investments, insurance, and fund management. These institutions are responsible for collecting funds from the public and allocating them to sectors that need financing. In addition, the financial services industry also plays a role in risk management, supervision, financial regulation, and facilitation of transactions in the capital market. This study aims to determine the role of the financial services industry in Indonesia. The type of research used is quantitative research with multiple linear regression analysis. The data used is secondary data obtained from the Central Statistics Agency (BPS) from 2011-2021 and official publications of Bank Indonesia. Based on the results of the study, exchange rates and inflation do not affect the role of the financial services industry. While interest rates affect the role of the financial services industry.Industri jasa keuangan adalah sektor yang melibatkan berbagai institusi dan perusahaan yang berfungsi sebagai perantara dalam kegiatan keuangan. Tujuan utama industri jasa keuangan adalah menyediakan produk dan layanan keuangan pada masyarakat, seperti pinjaman, tabungan, investasi, asuransi serta pengelolaan dana. Institusi ini bertanggung jawab dalam menghimpun dana dari masyarakat dan mengalokasikannya ke sektor-sektor yang membutuhkan pembiayaan. Selain itu, industri jasa keuangan juga berperan dalam menajemen risiko, pengawasan, regulasi keuangan, dan fasilitas transaksi di pasar modal. Penelitian ini bertujuan untuk mengetahui peran dari industri jasa keuangan di Indonesia. Jenis penelitian yang digunakan adalah penelitian kuantitatif dengan analisis regresi linear berganda. Data yang digunakan merupakan data sekunder yang diperoleh dari Badan Pusat Statistik (BPS) tahun 2011-2021 dan publikasi resmi Bank Indonesia. Berdasarkan hasil penelitian nilai tukar dan inflasi tidak berdampak pada peran industri jasa keuangan, sedangkan suku bunga berpengaruh terhadap peran industri jasa keuangan.
Proyeksi Penduduk Jawa Barat Tahun 2025 – 2035 Menggunakan Metode Campuran dengan Data Dasar Sensus Penduduk 2020 Karyana, Yayat; Rusliana, Nanang
WELFARE Jurnal Ilmu Ekonomi Vol 2, No 1 (2021): Mei
Publisher : Jurusan Ekonomi Pembangunan, Fakultas Ekonomi, Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (80.808 KB) | DOI: 10.37058/wlfr.v2i1.2824

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The purpose of this study is to create projections of the population in West Java Province in the period of 2025-2035. The method used in this research is a mixed method which is a combination of the Mathematical Method and the Component Method. The Mathematical Method is used to make projections of the total population, while the Component Method is used to make projections of the total population and population per age group. Using basic population data from the 2020 Population Census, the projection of the population of West Java in 2025, 2030, and 2035 is 51,117,160 people, 54,127,589 people, and 57,315,311 people, respectively.Tujuan penelitian ini adalah untuk membuat proyeksi penduduk Jawa Barat tahun 2025-2035. Metode yang digunakan dalam penelitian ini adalah metode campuran yang merupakan gabungan Metode Matematik dan Metode Komponen. Metode Matematik digunakan untuk membuat proyeksi total penduduk, sedangkan Metode Komponen digunakan untuk membuat proyeksi total penduduk dan penduduk per kelompok umur. Dengan menggunakan data dasar jumlah penduduk hasil sensus penduduk 2020, diperoleh proyeksi penduduk Jawa Barat tahun 2025, tahun 2030, dan tahun 2035, berturut-turut adalah 51.117.160 orang, 54.127.589 orang, dan 57.315.311 orang.
The influence of mindful leadership and organizational culture on organizational commitment with self-efficacy as an intervening variable Nugraha, Mochammad Hilmi; Badruzaman, Jajang; Rusliana, Nanang
MBR (Management and Business Review) Vol 8 No 1 (2024): Juni
Publisher : Fakultas Ekonomika dan Bisnis, Universitas Kanjuruhan Malang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21067/mbr.v8i1.10110

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The study aims to determine the effect of mindful leadership, organizational culture on organizational commitment with self-efficacy as an intervening variable. The total sample in the study was 266 respondents, the analytical tool used to test the hypothesis was Path Analysis. Based on the results of the study from the responses given by East Priangan region private university lecturers, it is known that mindful leadership and organizational culture indirectly influence organizational commitment through self-efficacy.
THE IMPACT OF COVID-19 PANDEMIC ON BANKS IN INDONESIA: COMPARATIVE ANALYSIS Nanang , Rusliana; Dyah , Wardhani; Sri , Sudiarti; Neng Yesi, Susanti
Eksis: Jurnal Riset Ekonomi dan Bisnis Vol. 17 No. 2 (2023): October (2022) - March (2023)
Publisher : STIE PGRI Dewantara Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26533/eksis.v17i2.1109

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This study aimed to determine the conditions of the digital transaction sector, financial system stability, financial inclusion, and bank health ratios before and after the COVID-19 pandemic and their impact on digital transactions, financial system stability, financial inclusion, and banking health ratios in Indonesia. The research method used is the descriptive comparative analysis method. The analysis used in this study is the average difference test analysis using the paired samples t-test. The results of the study show that digital transactions during the COVID-19 pandemic did not have a significant impact on reducing electronic money. The COVID-19 pandemic significantly impacted lowering average inflation and interest rates (BI7DRR). Furthermore, the COVID-19 pandemic substantially affected reducing average public savings. However, it did not considerably influence the decrease in the average public loan. The COVID-19 pandemic has significantly reduced the average bank soundness ratio as measured by Return on Assets (ROA) and Loan to Deposit Ratio (LDR).
The CAPM METHOD AS A TOOL FOR MEASUREMENT OF STOCK INVESTMENT EFFICIENCY Nanang Rusliana; Salma Huda Aulia
Nusantara Journal Of Management Business (NUMABI) Vol. 1 No. 2 (2024): Nusantara Journal Of Management Business
Publisher : LKP DCI

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

Abstract

In every investment decision, considerations such as financial information, calculations and adequate analyzes are required. This is necessary to choose stock investments that promise a level of profit with certain risks. If investors hope to obtain a high level of profit, then they must be willing to bear high risks as well. For this reason, investors should choose efficient shares in investing, namely shares that provide a certain level of profit with a minimum level of risk or that provide a certain level of risk with a maximum level of profit. CAPM is a model used to explain the relationship between systematic risk and profit levels. The expected profit is determined by the amount of systematic risk (beta), namely the sensitivity of a stock to the market. Stocks with a beta of more than one are stocks that are very sensitive to market growth, so they are called defensive stocks, namely stocks that are less sensitive to the market.
THE ROLE OF GDP PER CAPITA, ECONOMIC FREEDOM INDEX AND POPULATION GROWTH TO POLITICAL STABILITY IN SOUTHEAST ASIAN COUNTRIES: IS THERE BEST CHOICES SUPPORTING THE WORLD IN PEACE? Firmansyah, Muhamad Ferdy; Rusliana, Nanang; Maulana, Haikal Zulian; Nuraini, Sri Rahmi; Ridho, Muhamad
The Sunan Ampel Review of Political and Social Sciences Vol. 2 No. 2 (2023): June
Publisher : UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/sarpass.2023.2.2.97-117

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This study aims to examine the role of economic growth, the index of economic freedom, and the population on political stability. Political stability is one of the factors that can determine the direction of development and economic growth towards the creation of prosperity. Politically stable countries can carry out better economic development. This research contributes to look at the factors that can support political stability in Southeast Asian countries. This study uses secondary data originating from the World Governance Indicator, World Bank Development Indicator and Heritage Foundation in the 2011-2020 period. This study was conducted in Southeast Asian countries, namely Indonesia, Malaysia, Thailand, Philippines, Singapore and Vietnam. The research method used is panel data regression. The results show that GDP Per capita and economic freedom index is a significant effect to political stability. On the other side, population growth has not significant impact to political stability. This proves that every country that has good political stability is supported by stable guaranteed economic freedom, and a controlled GDP per capita.
Co-Authors Abdul Fatah, R. Hozin Ade Komaludin Ade Komaludin ALAM Andi Rustandi Andi Rustandi Andi Rustandi, Andi Aquinaldo Sistanto Putra Ari Arisman Armida Salsiah Alisjahbana Armida Salsiah Alisjahbana Asep Muhammad Adam Aso Sukarso Badruzaman, Jajang Budiono Budiono Budiono Budiono Dedi Kusmayadi Dwi Hastuti Lestari Komarlina Dwi Hastuti Lestari Komarlina Dwi Hastuti LK Dwi Hastuti LK Dyah , Wardhani Dyah Ciptaning Lokiteswara Setya Wardhani Encang Kadarisman Encang Kadarisman Ferdy Firmansyah Fuad Hilmi Galih Nugraha Haikal Zulian Maulana Haikal Zulian Maulana Hanapia, Asep Yusup Husna Arifah, Husna Ignatia Bintang Filia Dei Susilo Iis Surgawati Kadarisman, Encang Kadarisman, Encang Lestari Komarlina, Dwi Hastuti Maulana, Haikal Zulian Meidy H, Moch. Fauzan Muhamad Ferdy Firmansyah Muhamad Ferdy Firmansyah Muhamad Ridho Muhammad Agus Muljanto Muhammad Aliyuddin Neng Yesi, Susanti Noven, Sarah Annisa Nugraha, Mochammad Hilmi Nuraini, Sri Rahmi Nurhasanah, Rima Paturochman, Iwan Ridwan Purnagunawan, Raden Muhamad Putra, Aquinaldo Sistanto Putria Ananda, Viska R. Hozin Abdul Fatah Raden Muhamad Purnagunawan Ridho, Muhamad Rosidah, Euis Rudiana, Dedi Salma Huda Aulia Setyoningrum, Nuk Gurroh Siti Sarawati Johar Sri , Sudiarti Sri Rahmi Nuraini sri sudiarti Surgawati, Iis Surgawati, Iis Susilo, Ignatia Bintang Filia Dei Syfa, Raisa Hillia Aini Wardhani, Dyah Ciptaning Lokiteswara Setya Yayat Karyana Yogaswara, Angga Yuliani, Novi Mela Zahra Firdausa Sunarya Zahra Nasution, Fatimah