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Pengaruh Jangka Pendek dan Jangka Panjang Impor Indonesia terhadap Stabilitas Nilai Tukar Rupiah Tahun 2010-2022 Putri Mellynia; Tiara Nirmala; Nurbetty Herlina Sitorus; Thomas Adrian
Journal on Education Vol 6 No 2 (2024): Journal on Education: Volume 6 Nomor 2 Tahun 2024
Publisher : Departement of Mathematics Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joe.v6i2.5221

Abstract

This research aims to determine the effect of imports on the rupiah exchange rate in the short and long term. The method used in this research is Vector Error Correction (VECM) using time series data. The dependent variable in this research is the rupiah exchange rate (ER) and the independent variable is imports (IM). The results of this research show that imports have a positive and significant influence in the short term and also have a significant positive influence in the long term on the rupiah exchange rate.
The Influence of Bi Rate, Car, and CCYB Policy on Bank Stability in Indonesia Diah Intan Pratiwi; Tiara Nirmala; Thomas Andrian; Nurbetty Herlina Sitorus
Journal on Education Vol 6 No 3 (2024): Volume 6 Nomor 3 Tahun 2024
Publisher : Departement of Mathematics Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joe.v6i3.5616

Abstract

This study is to examine how Indonesian bank stability (Z-Score) is affected by the BI Rate, CAR, and CCyB policy. Multiple regression analysis employing the Random Effect Model (REM) method is the technique employed. The study's findings indicate that, in part, the CAR, CCyB, and BI Rate policies have a positive and significant impact on bank stability in both Large Banks and Small Banks between 2010 and 2022. In addition, from 2010 to 2022, the BI Rate, CAR, and CCyB policies will all have a major impact on the stability of banks, both Large Banks and Small Banks. Aside from that, the Independent Sample T-Test results indicate that there are significant differences in the stability of banks, where Large Banks being more stable than Small Banks. Additionally, the differences is caused by bank sensitivity, where Small Banks being more influenced than Large Banks in the impact of the BI Rate, CAR, and CCyB policy variables on bank stability between 2010 and 2022.
Analisis Komparatif Pengaruh Faktor Internal Dan Eksternal Terhadap Indeks Harga Saham Gabungan (IHSG) Yunias Ari Susanto; Tiara Nirmala; Nurbetty Herlina Sitorus; Thomas Andrian
Journal on Education Vol 6 No 4 (2024): Journal on Education: Volume 6 Nomor 4 Mei-Agustus 2024
Publisher : Departement of Mathematics Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joe.v6i4.6356

Abstract

As the less from disciples of participate study that begin from problem that background for this research. The purpose of the act class is research what if apply cooperative model from type of Teamn Games Tournament (TGT) that could increase teh Interactive stude from disciples. This research that used descriptive kuantitative method with collecting result from observatio, kuesioner and documentary. The result from research show that score average for whole of indicator that take from disciples beside siklus 1 is 74,7 with passive criteria that 3 people, and the active criteria most active is 14 people. The persentage that reach from first siclus is 72,5 ℅. For applying from the second siclus, that reach from the disciples with the active of criteria that 13 people, and the most active that 21 people. Average score that reach for all disciples that 82,7%. For the active percentage study as the indicator is 87,9℅. From. The observation result and kuetioner that done, the learning with TGT Model for increase the stude active for this research, that reach increasing with amount of the active of disciples and most active for Siclus 1 for Siclus from 31 people become 34 people.
Analisis Dampak Sektor Perkebunan terhadap Pertumbuhan Ekonomi Mengacu pada SDGs Indonesia 2021 Safitri, Wahyuni; Gusniarti, Fadia; Al Ikhsan, M. David; Sherlyanti, Atika Putri; Nairobi, Nairobi; Nirmala, Tiara; Darmawan, Arif
Studi Ekonomi dan Kebijakan Publik Vol. 2 No. 2 (2024): Januari
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/sekp.v2i2.2480

Abstract

Purpose: This study aims to explain the impact of the plantation sector on Indonesia's economic growth in 2021, focusing on Sustainable Development Goal (SDG) number 8, which emphasizes decent work and economic growth. Methodology/approach: This study adopts a quantitative approach using secondary data obtained directly from the Central Bureau of Statistics (BPS). Multiple Linear Regression is the method employed, along with testing for Classical Assumptions and T-statistics (partial test) using the STATA analysis tool. Results/findings: The research findings from the t-test indicate that out of the eight types of crops in the plantation sector, only tea significantly influences Indonesia's economic growth in 2021. Limitations: The limitations of this study include the number of dependent variables (eight) and the range of data time in 2021. Contribution: This research can serve as a reference for prioritizing the plantation sector, which has significant development potential, considering Indonesia's favorable geographical location. Therefore, it is expected that this potential can positively contribute to Indonesia's economic growth by aiming to achieve prosperity and Sustainable Development Goals (SDGs).
TESTING THE J-CURVE PHENOMENON ON INDONESIA'S TRADE BALANCE WITH THE FIVE BIGGEST TRADING PARTNERS Hamid, Muhammad Celvin; Tiara Nirmala; Imam Awaluddin
Journal of Management and Islamic Finance Vol. 4 No. 2 (2024): Journal of Management and Islamic Finance
Publisher : UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jmif.v4i2.9672

Abstract

The J-Curve is an assumption that exchange rate depreciation will improve a country's trade balance in the long term. This phenomenon occurs when exchange rate depreciation causes the trade balance to worsen in the short term. However, in the long term the trade balance will improve and increase permanently. This study aims to test whether the J-Curve phenomenon occurs in Indonesia's bilateral trade balance with the five largest trading partners using the Vector Autoregressive (VAR) method and in the observation period 2010.1-2022.12. The results of the analysis of the Impulse Response Function (IRF) show that the J-Curve phenomenon occurs in the trade balance model between Indonesia and Japan and the United States. Meanwhile, for Indonesia's trade balance with the European Union, exchange rate depreciation can improve the trade balance directly. For Indonesia's trade balance with China and Singapore, exchange rate depreciation improves the trade balance initially, but will worsen (inverted J-curve) in the long term so that the long-term impact of exchange rate depreciation on the trade balance is negative.
Paylater Lifestyle: Financial Solution or Debt Trap for the Younger Generation Serang, Adrian Eka Darma; Pamungkas, Adhis Darussalam; Nirmala, Tiara
Nomico Vol. 2 No. 2 (2025): Nomico-March
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/vxvc2903

Abstract

Paylater services have grown rapidly in Indonesia along with the increasing penetration of digital and e-commerce. Ease of access and more flexible requirements make it the main choice for the younger generation to meet consumer needs. However, uncontrolled use of Paylater can pose financial risks, such as debt accumulation, declining credit scores, and inhibiting the ability to save. The younger generation, who are still in the stage of building personal finances, are very vulnerable to these negative impacts. Studies show that most Paylater users are aged 20-30 years, with the majority using this service for online shopping and lifestyle. Dependence on Paylater reflects a weak awareness of long-term financial consequences. Without a good understanding of the fee and interest structure, many users are trapped in debt that is difficult to repay. This phenomenon is exacerbated by a culture of impulsive consumption driven by aggressive marketing strategies from e-commerce platforms. If not balanced with adequate financial literacy and strict regulations, Paylater risks exacerbating individual financial crises. Therefore, increasing financial literacy and stricter policies are urgently needed to ensure responsible use of Paylater, as well as to protect consumers and the stability of the financial sector.
PENGARUH PENANAMAN MODAL ASING TERHADAP PENYERAPAN TENAGA KERJA DAN PDRB PROVINSI JAWA BARAT MENGGUNAKAN PANEL DINAMIS Mawarni, Diana; Tiara Nirmala; Imam Awaluddin
E-journal Field of Economics, Business and Entrepreneurship (EFEBE) Vol. 3 No. 3 (2025): Vol.3 No.3 (2025)
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23960/efebe.v3i3.267

Abstract

This research aims to analyze the impact of foreign direct investment (FDI) in the manufacturing sector on labor absorption and Gross Regional Domestic Product (GRDP) in West Java Province. Specifically, this research examines the effect of FDI, real wages, real interest rates, and GRDP on labor absorption, as well as the effect of FDI, domestic investment, capital expenditure, and labor on GRDP. The data used is panel data from 2015 to 2023, analyzed with a dynamic panel. The results show that FDI has a positive effect on labor absorption and GRDP. All independent variables in both models are also proven to have a significant effect, both partially and jointly, on the dependent variable of labor absorption and GRDP.
Analisis Perbandingan Pengaruh Instrumen Moneter Syariah Dan Konvensional Terhadap Penyaluran Dana Ke Sektor Properti Di Indonesia Periode 2014-2020 Nirmala, Tiara; Putri, Riska Aperta
REVENUE: Jurnal Manajemen Bisnis Islam Vol. 3 No. 1 (2022)
Publisher : Sharia Business Management UIN Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/revenue.v3i1.11369

Abstract

Penelitian ini bertujuan untuk menganalis perbandingan pengaruh instrumen moneter syariah dan konvensional terhadap penyaluran dana ke sektor properti melalui perbankan syariah dan konvensional dari Januari 2014 hingga September 2020 dengan menggunakan metode VAR/VECM yang dianalisis melalui Impulse Response Function (IRF) dan Forecast Error Variance Decomposition (FEVD). Hasil penelitian pada model konvensional menunjukkan bahwa suku bunga kredit berpengaruh positif signifikan dalam jangka panjang serta suku bunga PUAB memiliki pengaruh negatif signifikan terhadap kredit properti. Disamping itu, hasil penelitian pada model syariah menunjukkan bahwa bonus SBIS dan PLS berpengaruh positif signifikan terhadap pembiayaan properti serta bagi hasil PUAS berpengaruh signifikan negatif terhadap pembiayaan properti. Berdasarkan hasil FEDV, SBI memiliki pengaruh yang besar terhadap kredit properti dibandingkan dengan PUAB dan IR pada model konvensional sedangkan pada model syariah SBIS memiliki pengaruh yang lebih kecil dibandingkan dengan PUAS dan PLS.
REMITANSI DAN PERTUMBUHAN EKONOMI: Studi Empiris Di 5 Negara ASEAN Nirmala, Tiara; Suparta, I Wayan; Anisa, Senada
REVENUE: Jurnal Manajemen Bisnis Islam Vol. 3 No. 2 (2022)
Publisher : Sharia Business Management UIN Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/revenue.v3i2.13340

Abstract

Kondisi makroekonomi suatu negara tidak dapat dipisahkan dari kebijakan moneter negara tersebut. Mekanisme transmisi kebijakan moneter memberikan penjelasan mengenai bagaimana perubahan instrumen kebijakan moneter dapat mempengaruhi variabel makro ekonomi lainnya hingga terwujud sasaran akhir kebijakan moneter yakni pertumbuhan ekonomi. Penelitian ini memiliki tujuan untuk melihat pengaruh penerimaan remitansi, pembentukan modal tetap bruto, ekspor dan jumlah populasi dalam mempengaruhi pertumbuhan ekonomi. Pertumbuhan ekonomi merupakan salah satu indikator untuk mengukur kondisi makroekonomi negara, indikator tersebut menunjukkan tingkat kesejahteraan dan merupakan fenomena penting bagi suatu negara, baik negara maju maupun negara berkembang. Remitansi merupakan sumber pendanaan eksternal yang dinilai lebih stabil dibandingkan FDI atau ODA. Melalui transmisi kebijakan moneter jalur nilai tukar, remitansi diproyeksikan akan meningkatkan pertumbuhan ekonomi, begitu juga dengan variabel makro lainnya. Penelitian ini memiliki tujuan untuk menganalisis pengaruh remitansi, pembentukan modal tetap bruto (PMTB), ekspor dan populasi terhadap pertumbuhan ekonomi di 5 negara ASEAN. Data yang digunakan dalam penelitian ini adalah data sekunder dengan metode penelitian regresi panel yaitu kombinasi data cross-section dan runtut waktu dengan periode penelitian 2008 sampai 2020.
Financial Well-Being as a Management Strategy: Linking Employee Well-Being to Company Performance Serang, Adrian Eka Darma; Djamil, Nasrullah; Nirmala, Tiara; Andaningsih , IGP Ratih
Nomico Vol. 2 No. 8 (2025): Nomico - September
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/sbff2d42

Abstract

Employee financial well-being is a strategic aspect of human resource management that directly impacts psychological stability, motivation, and individual performance. A stable financial condition reduces economic stress, allowing cognitive capacity to focus on achieving work targets and increasing productivity. This study used a qualitative method with a literature review approach to analyze the relationship between financial well-being and company performance, while also identifying effective implementation strategies. The results of the literature synthesis indicate that financial well-being contributes to reduced turnover rates, absenteeism, and work errors, as well as strengthening a positive work culture and team cohesion. Support programs such as financial literacy, access to soft financing, and insurance protection serve as psychological buffers and instruments for mitigating external risks. Integrating these concepts into HR policies supports the achievement of Sustainable Human Resource Management (SHRM) and internal Corporate Social Responsibility (CSR) goals. Furthermore, the positive reputation created strengthens employer branding, attracts quality talent, and creates a competitive advantage that is difficult to replicate. Thus, financial well-being is not merely a welfare policy, but rather a strategic foundation that synergizes an organization's economic, social, and cultural goals in a sustainable manner