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All Journal Jurnal Bisnis dan Ekonomi Journal on Education Ecosains Revenue: Jurnal Manajemen Bisnis Islam Economics and Digital Business Review Yumary: Jurnal Pengabdian kepada Masyarakat Indonesian Journal of Engagement, Community Services, Empowerment and Development (IJECSED) Indonesian Journal of Economy, Business, Entrepreneuship and Finance (IJEBEF) Indonesian Collaboration Journal of Community Services (ICJCS) Journal of Management and Islamic Finance International Journal of Social Science, Education, Communication and Economics PERADABAN JOURNAL of ECONOMIC and BUSINESS E-journal Field of Economics, Business and Entrepreneurship (EFEBE) Studi Ekonomi dan Kebijakan Publik BULLET : Jurnal Multidisiplin Ilmu Nomico
Tiara Nirmala
Fakultas Ekonomi Dan Bisnis, Universitas Lampung
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

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Analisis Pengaruh Nilai Tukar Riil Efektif, Perang Dagang AS-Tiongkok dan Produk Domestik Bruto Terhadap Ekspor Indonesia Tahun 2015:M1 – 2021:M12 Villia, Yonadha; Sitorus, Nurbetty Herlina; Ciptawaty, Ukhti; Nirmala, Tiara
Economics and Digital Business Review Vol. 5 No. 1 (2024): Agustus - January
Publisher : STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/ecotal.v5i1.978

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh variabel nilai tukar riil efektif, perang dagang AS-Tiongkok, PDB AS dan PDB Tiongkok terhadap ekspor Indonesia. Data yang digunakan dalam penelitian ini adalah data sekunder berupa data bulanan periode Januari 2015 hingga Desember 2021 di Indonesia. Data diperoleh dari Badan Pusat Statistik, Bank for International Settlements dan World Bank. Metode pengolahan data menggunakan analisis Error Correction Model (ECM). Hasil penelitian ini menunjukkan bahwa variabel nilai tukar riil efektif berpengaruh negatif dan signifikan dalam jangka pendek dan jangka panjang terhadap ekspor Indonesia. Variabel perang dagang berpengaruh negatif dan tidak signifikan dalam jangka pendek terhadap ekspor Indonesia. Namun dalam jangka panjang variabel perang dagang berpengaruh negatif dan signifikan terhadap ekspor Indonesia. Variabel PDB AS berpengaruh positif dan signifikan dalam jangka pendek dan jangka panjang terhadap ekspor Indonesia. Variabel PDB Tiongkok berpengaruh negatif dan tidak signifikan dalam jangka pendek terhadap ekspor Indonesia. Namun dalam jangka panjang variabel PDB Tiongkok berpengaruh positif dan tidak signifikan terhadap ekspor Indonesia.
FAKTOR-FAKTOR YANG MEMPENGARUHI TINGKAT PINJAMAN ONLINE DI INDONESIA Leong, Eufranto Dedy Yulianto; Nirmala, Tiara
Indonesian Journal of Economy, Business, Entrepreneuship and Finance Vol. 4 No. 1 (2024): Indonesian Journal of Economy, Business, Entrepreneuship and Finance
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/ijebef.v4i1.153

Abstract

Financial Technology (fintech) is one of the financial service institutions that is currently in great demand, especially in terms of money loans or what is known as Financial Technology peer to peer lending (Online Loans). Due to the easy conditions and without the need for face-to-face meetings, certain groups of people use online loans as an alternative or solution to solving their financial problems. The aim of this research is to determine the factors that cause people to easily choose or decide to use online loans. The research method used by the author is a qualitative method through a more in-depth study of published sources such as journals, books, reports and articles as well as online sources. The results of this research show three main factors that influence the level of online loan use in Indonesia: consumer behavior driven by digital technology and easy access to financial services; low financial literacy which causes a lack of risk understanding; and uneven financial inclusion, limiting access to information about formal financial services
DETERMINAN YIELD OBLIGASI PEMERINTAH INDONESIA Mukukhawa, Syaffa Alizza; Nirmala, Tiara
Indonesian Journal of Economy, Business, Entrepreneuship and Finance Vol. 5 No. 2 (2025): Indonesian Journal of Economy, Business, Entrepreneuship and Finance
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/ijebef.v5i2.268

Abstract

This study aims to analyze the factors influencing the yield movement of Indonesian Government Bonds series FR0070 and the yield's response to macroeconomic shocks. Bonds were chosen because of their relatively fixed income, thus lowering the risk compared to stocks. Therefore, yield changes are an important indicator for investors and market participants. The research method used an error correction model. The results show that the BI-Rate and the exchange rate have a significant positive effect on yield in both the short and long term, while foreign exchange reserves and the volatility index (VIX) have a significant negative effect only in the long term. Inflation has no significant effect in either timeframe. These findings support the Arbitrage Pricing Theory, which states that the return of a security is influenced by several macroeconomic factors. This research is important for investors monitoring yield movements as a tool for bond portfolio management.
Analysis of the Effect of Green Banking and Financial Performance on the Profitability of Member Banks of the Indonesian Sustainable Finance Initiative Nurdinsi Utama, Julius; Nirmala, Tiara; Andrian, Thomas; Herlina, Nurbetty; Ciptawaty, Ukhti
International Journal of Social Science, Education, Communication and Economics Vol. 2 No. 6 (2024): February
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sj.v2i6.266

Abstract

This research examines the influence of the variables green banking (Green banking Index), Capital adequacy (CAR), Non-performing loans (NPL), Bank Efficiency (BOPO), Liquidity level (LDR) on the profitability of Member Banks of the Indonesian Sustainable Finance Initiative. This research uses a purposive sampling technique, 8 companies were sampled in the research as Member Banks of the Indonesian Sustainable Finance Initiative, namely: Bank Mandiri, Bank Rakyat Indonesia, Bank Negara Indonesia, Bank Central Asia, Maybank, Bank CIMB Niaga, Bank OCBC NISP and West Java Bank. This research examines economic data based on panel data, based on the calculation results it is found that banking ratios in the form of capital adequacy (CAR) and liquidity level (LDR) partially have a positive and significant effect in increasing Bank Profitability (ROA) of Members of the Indonesian Sustainable Bank Initiative, while the ratio Non-performing loans (NPL), Bank Efficiency (BOPO) and the Green Banking variable (Green Banking Index) have a negative and significant effect on (ROA) Members of the Indonesian Sustainable Bank Initiative.
Factors Affecting Return on Assets in 5 Conventional Commercial Banks in 2015-2022 Ratnasari, Desy; Nirmala, Tiara
International Journal of Social Science, Education, Communication and Economics Vol. 2 No. 6 (2024): February
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sj.v2i6.272

Abstract

This study aims to analyze the factors that affect Return on Assets in 5 conventional commercial banks in 2015-2022. The research method used is panel data with Microsoft Excel and E-Views 10 as analysis tools. Factors that affect Return on Assets in this study include economic factors, environmental factors, and internal bank factors. Economic factors consist of BI Rate and Inflation. Environmental factors are Green Banking which is proxied with the Green Banking Disclosure Index and internal bank factors, namely BOPO. The results of the test found that the variables Inflation, Green Banking proxied Green Banking Disclosure Index, and BOPO have a significant negative effect on Return on Assets, while the BI Rate has a significant positive effect on Return On Assets in 5 conventional commercial banks.
Testing The Marshall-Lerner Condition on Indonesia's Trade Balance with The Five Biggest Trading Partners Celvin Hamid, Muhammad; Nirmala, Tiara; Awaluddin, Imam
International Journal of Social Science, Education, Communication and Economics Vol. 3 No. 4 (2024): October
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sj.v3i4.397

Abstract

The Marshall-Lerner Condition is a theory that a trade balance deficit can be eliminated through currency depreciation, if in the long term the absolute number of long-term export and import demand elasticities is greater than one. Initially, exchange rate depreciation will have a negative impact on trade through two methods, namely changes in volume and changes in value. This study aims to test whether the Marshall-Lerner Condition fulfilled in Indonesia's bilateral trade balance with the five largest trading partners using the Ordinary Least Squares method and in the observation period 2010.1-2022.12. The results of the Marshall-Lerner Condition study that one of Indonesia's five largest trading partners, namely China, the Marshall-Lerner Condition is met. While for Indonesia's other four largest trading partners, namely Japan, the US, the European Union and Singapore, Indonesia's largest trading partners are uncertain whether they meet the Marshall-Lerner Condition or not.
Pengaruh Variabel Makroekonomi dan Volume Transaksi Saham Terhadap Harga Saham PT. Bumi Serpong Damai Tbk Dhia Ulhaq Syafi Sauqi; Thomas Andrian; Tiara Nirmala; Nurbetty Herlina S.; Ukhti Ciptawaty
BULLET : Jurnal Multidisiplin Ilmu Vol. 2 No. 2 (2023): BULLET : Jurnal Multidisiplin Ilmu
Publisher : CV. Multi Kreasi Media

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

Abstract

This study aims to analyze the effect of Gross Domestic Product (GDP), interest rate on deposits (SBD), transaction volume, and the Wholesale Price Index (IHBP) in the property sector on the stock price of PT. Bumi Serpong Damai Tbk (BSDE). The data used in this study are secondary data obtained monthly from January 2015 to December 2019 for PT Bumi Serpong Damai Tbk. The data processing method employed is Error Correction Model (ECM) analysis. The results of this study indicate that the GDP variable has a negative and insignificant effect on stock prices. However, in the long term, the GDP variable exhibits a significant negative effect on stock prices. The SBD variable shows a negative and significant effect on stock prices in both the short and long term. The transaction volume variable has a positive and significant effect on stock prices in both the short and long term. In the short term, the IHBP variable does not exhibit a significant positive effect. However, in the long term, the IHBP variable does not have a significant negative effect.
Determinan Uang Kartal Yang Beredar Di Indonesia Sebelum Dan Setelah Penerapan QRIS Angger Prasetyan Adi; Thomas Andrian; Tiara Nirmala; Nurbetty Herlina S.; Ukhti Ciptawaty
BULLET : Jurnal Multidisiplin Ilmu Vol. 2 No. 2 (2023): BULLET : Jurnal Multidisiplin Ilmu
Publisher : CV. Multi Kreasi Media

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

Abstract

This study aims to analyze the impact of variables related to electronic money transactions, national income, deposit rates, and the implementation of QRIS as a payment method on the demand for currency in Indonesia from 2015 to 2022. The data used in this study consist of quarterly secondary data from January 2015 to December 2022 in Indonesia. The data processing method employed is the Error Correction Model (ECM) analysis.The findings of this study indicate that the GDP variable has a positive and significant effect on the demand for currency in both the short and long term. The variables related to electronic money transactions also have a positive and significant impact on the demand for currency in both the short and long term. On the other hand, the deposit interest rate variable has a negative and significant long-term effect on the demand for currency. The variable representing the implementation of QRIS shows a negative and insignificant effect on the demand for currency. However, in the long run, the QRIS variable has a positive and insignificant effect on the demand for currency.
Co-Authors Ade Widiyanti Ahmad Zubaidi Indra Al Ikhsan, M. David Andaningsih , IGP Ratih Andrian, Thomas Angger Prasetyan Adi Anisa, Senada Arif Darmawan Arivina Ratih Yulihar Taher Asih Murwiati Celvin Hamid, Muhammad Ciptawaty, Ukhti Desy Ratnasari Dhia Ulhaq Syafi Sauqi Diah Intan Pratiwi Farida Aliyatul Asy’ariati Gebrella Nadia Sumahir Gebrella Nadia Sumahir Gusniarti, Fadia Hamid, Muhammad Celvin Herlina, Nurbetty HERU WAHYUDI I Wayan Suparta . Imam Awaluddin Leong, Eufranto Dedy Yulianto Maharani Maharani Mawarni, Diana Moneyzar Usman Mukukhawa, Syaffa Alizza Nairobi, Nairobi Nasrullah Djamil Nur Annisa Nurbetty Herlina S. Nurbetty Herlina Sitorus Nurdinsi Utama, Julius Pamungkas, Adhis Darussalam Putri Mellynia Putri, Riska Aperta Riska Aperta Putri Safitri, Wahyuni Senada Anisa Serang, Adrian Eka Darma Sherlyanti, Atika Putri Sitorus, Nurbetty Herlina Sri Waluyo Thomas Adrian Thomas Andrian Tri Widodo Villia, Yonadha yenni agustina Yunias Ari Susanto