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All Journal JDM (Jurnal Dinamika Manajemen) Media Ekonomi dan Manajemen PRESTASI Jurnal Manajemen Indonesia Perisai : Islamic Banking and Finance Journal Fokus Ekonomi EBBANK: Jurnal Ilmiah Bidang Ekonomi, Bisnis dan Perbankan Magisma: Jurnal Ilmiah Ekonomi dan Bisnis EconBank : Journal Economics and Banking Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen) Indicators : Journal of Economic and Business International Business and Accounting Research Journal
TAOFIK HIDAJAT, TAOFIK
Sekolah Tinggi Ilmu Ekonomi Bank BPD Jawa Tengah
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Social Sciences Other

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Bitcoin: A New Asset Class? Rr. Widad Nawa Huwaida; Taofik Hidajat
Media Ekonomi dan Manajemen Vol 35, No 2 (2020): Empowering Corporate Governance for Sustainable Development
Publisher : Fakultas Ekonomika dan Bisnis UNTAG Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (491.517 KB) | DOI: 10.24856/mem.v35i2.1223

Abstract

This study aims to examine the effect of stock prices, exchange rates, and gold prices on the Bitcoin price. The data used are the IDX Composite, the Rupiah/ IDR exchange rate, and the daily gold price from July 19, 2010, to December 31, 2018. Regression equation results show that stock prices, exchange rates, and the gold price had a positive effect on Bitcoin price. Changes will follow changes that occur in stock prices, exchange rates, and gold prices in the price of Bitcoin in the same direction. Bitcoin is considered the same as other assets that are worth having in the investment portfolio.
E-WALLET: MAKE USERS MORE CONSUMPTIVE? Taofik Hidajat; Nadiyatul Lutfiyah
ECONBANK: Journal of Economics and Banking Vol 4 No 1 (2022): April
Publisher : Sekolah Tinggi Ilmu Ekonomi Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/econbank.v4i1.163

Abstract

This study aims to determine the differences in consumer behaviour before and after having an e-wallet. The unit of analysis is students by taking a sample of STIE Bank BPD Jateng students. The analytical method used is the Paired Sample T-Test to prove whether there are significant differences. The results of this study indicate that there are differences in consumptive behaviour before and after having an e-wallet.
How Technology, Gender annd Education Affected Financial Inclusions Astha Amalia Dyah Sayekti; Taofik Hidajat
Journal of Economics and Business Vol 3, No 1 (2021): May
Publisher : Ikatan Sarjana Ekonomi Indonesia Cabang Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47729/indicators.v3i1.94

Abstract

This paper highlights the role of technology, gender and education factors in financial inclusion. A sample of 995 people was taken from the Global Findex Database, World Bank. Using logistic regression, this research concluded that technology and education had a positive effect on financial inclusion. The higher the use of technology and education level, the more likely the respondent has an account at a financial institution. However, gender does not affect financial inclusion. Men and women have the same probability in financial inclusion.
Perbandingan Hasil Investasi Reksa Dana Saham dengan Metode Lump Sum Dan Dollar Cost Average : Studi Kasus Reksa Dana Panin Dana Maksima Taofik Hidajat
EBBANK Vol 5, No 2 (2014): EBBANK Vol.5 No.2 Desember 2014
Publisher : Sekolah Tinggi Ilmu Ekonomi Bisnis dan Perbankan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (220.636 KB)

Abstract

Market conditions change sometimes makes investors wonder about when it is appropriate to buy mutual funds and what strategies can be done to reduce the risk of loss. In addition, there are no established guidelines regarding the proper timing to enter the market through mutual funds so that the investment strategy needs to be done in order to obtain optimal results.Some investment strategies are becoming the object of such research is Dollar Cost Average (DCA), Value Average (VA) and the Lump-Sum (LS). Various studies to examine the investment strategy also has been done.Background of the results of research on investment strategies vary and are still at least some research on the Indonesian Stock Exchange, the questions raised in the study is whether there is a difference between the investment strategy of the Lump Sum (LS) with Dollar Cost Average (DCA).The object of analysis is an equity fund Panin Dana Maksima began in January 2011 to August 2013. To test the difference between the LS with DCA, performed statistical analysis, namely the Wilcoxon Signed Rank Test.The results of this study by using the mutual fund Panin Dana Maksima indicate that LS strategy gives results that are generally better than the DCA. Nevertheless, the results of statistical analysis showed that there is no difference between LS investment results with DCA.
Ketidakpatuhan Pembayaran Pajak Kendaraan Bermotor Taofik Hidajat
EBBANK Vol 9, No 2 (2018): EBBANK Vol.9 No.2 Desember 2018
Publisher : Sekolah Tinggi Ilmu Ekonomi Bisnis dan Perbankan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (463.454 KB)

Abstract

Motor Vehicle Tax is one of the most significant sources of income for developmentalfinancing in Central Java Province. However, the level of tax compliance by motor vehicle ownerswas not optimal. This research was conducted to determine the influencing factors of their uncompliance. The samples were 360 motor vehicle ownersdomiciled in Jepara, Blora, Grobogan, Kudus, Pati and Rembang and they still owned them  until the present. Through simple random sampling method applied during May to July 2017, the results indicated  that the cause of late tax payment in Pati was caused by two factors, both internally and externally. Some internal factors caused by tax payers itself namely forgetful and it was not done  by them in purpose. Second internal factors were done intentionally  (because of lacking  of funds, having no time, willingness to sell, rare use, old age,  damage , being out of town, being borrowed by other parties, absence of inspection on the road and being mortgaged. While some external factors were caused uncontrollable factors by  taxpayers namely far locations from home.
BEHAVIOURAL BIASES IN BITCOIN TRADING Taofik Hidajat
Fokus Ekonomi : Jurnal Ilmiah Ekonomi Vol 14, No 2: Desember 2019
Publisher : STIE Pelita Nusantara Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34152/fe.14.2.337-354

Abstract

This paper aims to propose some behavioural biases of trading in Bitcoin. It is review literature in the areas of behavioural finance that address issues related to Bitcoin to underpin the conceptual model. A conceptual model for understanding the behavioural bias that affects investing in cryptocurrency is proposed. The biases are herding, optimism, overconfidence, confirmation bias, loss aversion, and gamblers’ fallacy.  This paper ought to fill the research gap on cryptocurrency from the behavioral perspective. This paper implies that prices and Bitcoin transactions are more determined by psychological factors.
Kontribusi Kualitas Asset Produktif (KAP) dan Non Performing Loan (NPL) Bank Perkreditan Rakyat Konvensional (BPRK) Era Covid-19 terhadap Capital Adequacy Ratio (CAR) melalui Profitabilitas (ROA). (Studi Empiris pada BPR Konvensional di wilayah Kantor Mulyaningsih Mulyaningsih; Taofik Hidajat
Magisma: Jurnal Ilmiah Ekonomi dan Bisnis Vol 10 No 2 (2022): MAGISMA:Jurnal Ilmiah Ekonomi dan Bisnis
Publisher : Magister Manajemen STIE Bank BPD Jateng

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35829/magisma.v10i2.224

Abstract

This study aims to determine the contribution of Productive Asset Quality (KAP) and Non Performing Loans (NPL) to the Capital Adequacy Ratio (CAR) with profitability (ROA) as an intervening variable at Conventional Rural Banks (BPRK) in the area of ​​the Kantor Otoritas Jasa Keuangan (KOJK). From the second quarter of 2020 to the third quarter of 2021, the research sample consisted of 30 BPRK with a total of 180 research data. Data were collected using the cluster sampling method. Path analysis technique was used to analyze the data. The results of the analysis show that Productive Asset Quality (KAP) has a positive and insignificant effect on the Capital Adequacy Ratio (CAR). Non-Performing Loan (NPL) has an insignificant negative effect on the Capital Adequacy Ratio (CAR). Productive Asset Quality (KAP) has a significant positive effect on profitability (ROA). Non-Performing Loan (NPL) has a significant negative effect on profitability (ROA). Profitability (ROA) has a significant positive effect on the Capital Adequacy Ratio (CAR). And profitability (ROA) does not significantly mediate the effect of Productive Asset Quality (KAP) and Non-Performing Loans (NPL) on the Capital Adequacy Ratio (CAR).
PENGARUH GOOD CORPORATE GOVERNANCE DAN FINANCIAL RATIOS TERHADAP FINANCIAL DISTRESS PERUSAHAAN PERBANKAN Cintika Putri Muafiroh; Taofik Hidajat
ECOBISMA (JURNAL EKONOMI, BISNIS DAN MANAJEMEN) Vol 10, No 1 (2023): ECOBISMA
Publisher : Published by the Faculty of Economics and Business, University of Labuhanbatu, North Sumat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/ecobi.v10i1.4012

Abstract

Financial distress merupakan sebuah kondisi kesulitan keuangan dalam perusahaan yang dapat menjadi indikasi perusahaan mengalami kebangkrutan. Penelitian ini dilakukan untuk menganalisis bagaimana pengaruh Good Corporate Governance dan Financial Ratios terhadap terjadinya Financial Distress pada perusahaan sektor perbankan yang terdaftar di Bursa Efek Indonesia (BEI) periode 2019-2021. Penelitian ini menggunakan purposive sampling untuk menentukan sampelnya. Dimana jumlah sampel yang digunakan adalah 42 perusahaan. Data penelitian di analisis dengan menggunakan alat uji SPSS melalui analisis regresi linier.  Hasil penelitian dapat disimpulkan bahwa Good Corporate Governance yang diukur berdasarkan Kepemilikan Institusional, Kepemilikan Manajerial, Dewan Direksi, Dewan Komisaris, dan Komisaris Independe tidak berpengaruh terhadap terjadinya financial distress, sedangkan Financial Ratios yang diukur melalui Rasio Likuiditas dan Rasio Profitabilitas berpengaruh terhadap terjadinya financial distress.Kata Kunci      : Financial Distress, GCG, Financial Ratios 
Ponzi Scammer: Old Wine in New Bottles? Taofik Hidajat; Thanh-Binh Phung
International Business and Accounting Research Journal Vol 7, No 2 (2023): July 2023
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Islam Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35474/ibarj.v7i2.261

Abstract

The purpose of this research is to learn how Ponzi scheme perpetrators recruit victims and to gain knowledge of the reasons why this fraud persists. This research used a qualitative methodology to collect data from Ponzi schemers. Most swindlers are the same people using various schemes, modes, and instruments. Public figures are used by scammers to build victims' trust, get access to various communities, and manipulate information. Public figures must be careful because scammers use them to attract victims. The novelty of this research is to fill the research gap on Ponzi schemes with a qualitative approach from the con artist's perspective.
Financial Technology in Islamic View Hidajat, Taofik
Perisai : Islamic Banking and Finance Journal Vol 4 No 2 (2020): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v4i2.465

Abstract

The development of financial technology made many changes, including Islamic finance. This paper reviews how fintech is changing the shape of the Islamic finance industry through mobile payments, microfinance, peer-to-peer lending, and crowdfunding. The use of e-wallet is as long as it does not violate the provisions. Microfinance cannot be separated from Islamic finance if we want to increase social welfare through inclusive growth and encourage the distribution of wealth. Islamic microfinance structure can deal with the problem of poverty. The appropriate and fair crowdfunding model for small businesses is profit sharing or using mudaraba contracts. In Islamic finance, the role of bitcoin is controversial.
Co-Authors Ari Deva Nanda Astha Amalia Dyah Sayekti Cintika Putri Muafiroh Dewi Rachmawati Dimas Saifunurmazah Dyah Pratiwi, Swastika Grace Tianna Solovida Joko Rudadi Joko Wibowo Karyono Karyono Muliawan Hamdani, Muliawan Mulyaningsih Mulyaningsih Nadiyatul Lutfiyah Nanda, Ari Deva Rahmi Yuliana Ramadhan, Abian Mirza Ratna Komala Putri Rr. Widad Nawa Huwaida Sari, Annisa Devy Kartika SE, Karyono Thanh-Binh Phung Wibowo, Joko