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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 Bhinneka Multidisiplin Journal Nomico Maneggio Nomico IJEMA
Tiara Nirmala
Fakultas Ekonomi Dan Bisnis, Universitas Lampung
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry 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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PERAN FINTECH PEMBAYARAN DAN P2P LENDING TERHADAP PENDAPATAN UMKM PASCA PANDEMI COVID-19 Seftiyati, Fitri; Nirmala, Tiara
Bhinneka Multidisiplin Journal Vol. 3 No. 1 (2026): Bhinneka Multidisiplin Journal
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/bmj.v3i1.100

Abstract

Following the Covid-19 pandemic, the use of financial technology has become essential to MSMEs' rehabilitation and expansion.  This study looks at how P2P loan fintech (SPayLater) and payment fintech (ShopeePay) help MSMEs in Bandar Lampung boost their revenue through the Shopee app.  The study uses a quantitative descriptive methodology, gathering information via surveys, interviews, documentation, and observations. The findings show that although SPayLater offers rapid access to funds for stock expansion and cash flow support, ShopeePay expedites transactions, streamlines financial record-keeping, and boosts customer numbers.  When combined, these financial solutions build a digital environment that boosts MSME income after the epidemic.  In order to help MSMEs become more competitive and adaptable, the study offers suggestions for the government, e-commerce platforms, and MSMEs to improve fintech literacy and digital strategies.
FOOD-ENERGY PRICE DYNAMICS: ANALISIS PENGARUH FLUKTUASI HARGA KOMODITAS PANGAN DAN HARGA ENERGI TERHADAP INFLASI DI INDONESIA 2014 – 2024 Hanna, Rr. Halimatu; Nirmala, Tiara
Indonesian Journal of Economy, Business, Entrepreneuship and Finance Vol. 6 No. 1 (2026): 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.v6i1.304

Abstract

Food, which is all-time good and energy which is a universal intermediary good, remain highly relevant for ongoing research and development. The primary essence of this study is to examine the short-term and long-term effects of rice prices, the world food price index, the transportation price index, the housing, water, electricity, and household fuel price index (IHPL), as well as Brent crude oil prices, on the consumer price index (CPI). The Autoregressive Distributed Lag (ARDL) method is employed to analyze the dynamic relationships among these variables. The data span ten years (January 2014 – December 2024) to depict prevailing economic phenomena. The findings reveal that, in the short term, IHPL and Brent oil prices are significant determinants of CPI movements in Indonesia. IHPL exhibits a dominant and complex influence, while Brent oil prices exert a significant impact with a one-period lag (lag 1). In contrast, rice prices, the world food price index, and the transportation price index show no significant effects on CPI in either the short or long term.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN MAHASISWA UNIVERSITAS LAMPUNG DALAM MENGGUNAKAN APLIKASI PAYLATER Muhammad Arif; Tiara Nirmala
Bhinneka Multidisiplin Journal Vol. 3 No. 3 (2026): Bhinneka Multidisiplin Journal
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/bmj.v3i3.111

Abstract

The purpose of this study is to examine the variables that affect University of Lampung students' decisions to use PayLater services. With 397 respondents chosen using Slovin's algorithm, the study employs a quantitative approach with an associative strategy. Questionnaires were used to gather data, and a Likert scale was used for descriptive analysis. Student income, pricing perception, financial management practices, consumption, risk, and security are among the variables examined. According to the study's findings, the majority of the variables fall into the high group, indicating that students have a respectable degree of financial literacy, consumption, and confidence in PayLater services. With only 33% of respondents using PayLater, the choice to use the service is still regarded as low to medium. This suggests that students still think about financial concerns and their capacity to pay even when PayLater provides ease and flexibility. While financial management and risk perception discourage excessive use, income and price perception typically encourage usage. Increasing trust is also influenced by security perception. All things considered, PayLater turns into a useful payment option, but it necessitates prudent money management.
ANALISIS DAMPAK KETIDAKPASTIAN KEBIJAKAN EKONOMI GLOBAL DAN DOMESTIK TERHADAP INDEKS HARGA SAHAM GABUNGAN (IHSG) DI INDONESIA TAHUN 2020-2025 Ageng Julitasari; Tiara Nirmala
Bhinneka Multidisiplin Journal Vol. 3 No. 3 (2026): Bhinneka Multidisiplin Journal
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/bmj.v3i3.113

Abstract

This study analyzes the impact of global and domestic economic policy uncertainty on the Indonesia Composite Stock Price Index (IHSG) during 2020–2025. Global Economic Policy Uncertainty (EPU), Indonesia EPU, and the Volatility Index (VIX) are used as indicators of uncertainty affecting stock market performance. This research applies a quantitative approach using the Vector Error Correction Model (VECM) to examine both short-run and long-run relationships among variables. The analysis is supported by Uncertainty-Investment Theory, Financial Contagion Theory, and Rational Expectations Theory. The results are expected to show that increases in global and domestic policy uncertainty, as well as rising market volatility, negatively affect IHSG through higher investor risk aversion, capital outflows, and declining market confidence. This study contributes to understanding the transmission of uncertainty shocks to Indonesia’s capital market and provides implications for investors and policymakers in responding to economic uncertainty.
DETERMINAN HARGA EMAS DI INDONESIA: PENDEKATAN ARDL PADA PERIODE SETELAH PANDEMI COVID-19 Nandya Artha Dyanti; Tiara Nirmala
Bhinneka Multidisiplin Journal Vol. 3 No. 3 (2026): Bhinneka Multidisiplin Journal
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/bmj.v3i3.114

Abstract

This study examines the determinants of gold prices in Indonesia during the post-COVID-19 period from January 2023 to April 2026 using the Autoregressive Distributed Lag (ARDL) approach. The analysis focuses on the Indonesian Composite Stock Price Index (IHSG), inflation, the USD to Rupiah exchange rate, and oil prices (USOIL). The results indicate a long-run relationship between gold prices and the selected macroeconomic variables. The IHSG, inflation, and the exchange rate have positive and significant effects on gold prices, while oil prices are found to be insignificant. These findings suggest that domestic financial market conditions, inflationary pressures, and exchange rate fluctuations play an important role in determining gold prices in Indonesia. Overall, the results support the role of gold as both a hedging instrument and a safe-haven asset amid economic uncertainty in the post-COVID period.
EFEKTIVITAS KEBIJAKAN MONETER INKONVENSIONAL TERHADAP STABILITAS MAKROEKONOMI KELOMPOK ADVANCED ECONOMIES SERTA KELOMPOK EMERGING MARKET & DEVELOPING ECONOMIES: STUDI KASUS PANDEMI COVID-19 Ananda Marco Ramadhan Sialagan; Tiara Nirmala; Dian Fajarini
Bhinneka Multidisiplin Journal Vol. 3 No. 3 (2026): Bhinneka Multidisiplin Journal
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/bmj.v3i3.115

Abstract

The COVID-19 pandemic triggered the largest economic crisis since The Great Depression of 1929–1933 and prompted central banks worldwide to massively adopt Unconventional Monetary Policy (UMP). This study comparatively analyzes the effectiveness of UMP during the COVID-19 pandemic across 10 Advanced Economies (AE) and 10 Emerging Market & Developing Economies (EMDE) spanning the sub-regions of Eastern Europe, Southeast Asia, and Latin America. Utilizing a qualitative multiple case study approach with source triangulation, this research finds that UMP in AE was highly effective in stabilizing financial markets through the portfolio balance channel; but the transmission to the real sector remained partial due to persistent Zero Lower Bound (ZLB) conditions and liquidity traps. Conversely, UMP in EMDE was more market-stabilizing rather than macro-stimulating, operating on a smaller scale (0.3–10% of GDP) but supported by the flexibility of the still-available interest rate channel. Three primary structural factors explain the difference in effectiveness between the groups: (1) the policy cycle position (ZLB vs. non-ZLB); (2) the depth of financial markets; and (3) the central bank credibility. These findings underscore that effectivity of UMP does not operate independently; rather, but is heavily determined by the broader policy ecosystem.
Ketahanan Kinerja Kredit Bank Perekonomian Rakyat (BPR) di Indonesia: Analisis Sebelum dan Setelah Pandemi COVID-19 Lilla Ananta; Tiara Nirmala; Dian Fajarini
Indonesian Journal of Economics Management and Accounting Vol. 2 No. 6 (2025): IJEMA - Juni 2025
Publisher : PT. INOVASI TEKNOLOGI KOMPUTER

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Abstract

Penelitian ini bertujuan untuk menganalisis ketahanan kinerja kredit Bank Perekonomian Rakyat (BPR) di Indonesia dalam menghadapi tekanan akibat pandemi COVID-19. Fokus penelitian ini adalah untuk mengidentifikasi pengaruh indikator internal perbankan seperti Capital Adequacy Ratio (CAR), Return on Asset (ROA), dan Loan to Deposit Ratio (LDR), serta variabel dummy pandemi terhadap Non-Performing Loan (NPL) sebagai indikator utama kualitas kredit. Penelitian ini menggunakan pendekatan kuantitatif dengan model Autoregressive Distributed Lag (ARDL) pada data triwulan dari tahun 2015 hingga 2024. Hasil analisis menunjukkan bahwa variabel CAR dan ROA memiliki pengaruh signifikan terhadap NPL dalam jangka panjang dan pendek, sedangkan LDR menunjukkan pengaruh dinamis tergantung pada periode. Variabel dummy pandemi menunjukkan pengaruh positif signifikan terhadap peningkatan NPL, namun terdapat indikasi pemulihan kredit setelah beberapa kuartal pasca pandemi. Penelitian ini menyimpulkan bahwa meskipun BPR memiliki fondasi ketahanan dari sisi internal, namun tetap rentan terhadap tekanan eksternal seperti pandemi. Temuan ini penting bagi pengambil kebijakan dan pelaku industri keuangan mikro dalam merancang strategi mitigasi risiko dan pemulihan kredit.
Dampak Kebijakan Moneter Terhadap Rupiah Nur Intan Wulandari; Tiara Nirmala
Indonesian Journal of Economics Management and Accounting Vol. 2 No. 7 (2025): IJEMA - Juli 2025
Publisher : PT. INOVASI TEKNOLOGI KOMPUTER

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Abstract

Nilai tukar merupakan salah satu indikator ekonomi yang sangat penting karena mencerminkan kekuatan relatif mata uang suatu negara. Penelitian ini bertujuan untuk menganalisis dampak kebijakan moneter terhadap Rupiah pada periode Januari 2019 hingga Desember 2024. Penelitian ini menggunakan pendekatan kuantitatif dengan model regresi berganda. Hasil analisis menunjukkan bahwa kebijakan moneter (operasi pasar terbuka dan BI-Rate) memiliki pengaruh yang positif dan signifikan terhadap nilai tukar Rupiah. Penelitian ini memberikan wawasan penting bagi pengambil kebijakan untuk menjaga stabilitas nilai tukar Rupiah
Co-Authors Ade Widiyanti Adhis Darussalam Pamungkas Adrian Eka Darma Serang Ageng Julitasari Ahmad Zubaidi Indra Al Ikhsan, M. David Ananda Marco Ramadhan Sialagan 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 Dian Fajarini Farida Aliyatul Asy’ariati Gebrella Nadia Sumahir Gebrella Nadia Sumahir Gusniarti, Fadia Hamid, Muhammad Celvin Hanna, Rr. Halimatu Herlina, Nurbetty HERU WAHYUDI I Wayan Suparta . IGP Ratih Andaningsih Imam Awaluddin Leong, Eufranto Dedy Yulianto Lilla Ananta Maharani Maharani Mawarni, Diana Moneyzar Usman Muhammad Arif Mukukhawa, Syaffa Alizza Nairobi, Nairobi Nandya Artha Dyanti Nasrullah Djamil Nur Annisa Nur Intan Wulandari Nurbetty Herlina S. Nurbetty Herlina Sitorus Nurdinsi Utama, Julius Pamungkas, Adhis Darussalam Putri Mellynia Putri, Riska Aperta Riska Aperta Putri Safitri, Wahyuni Seftiyati, Fitri 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