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All Journal International Journal Management and Economic (IJME) Jurnal Ekonomi dan Manajemen (JEKMA) International Journal Multidisciplinary Science
Mas Ning Zahroh
Gunadarma University
Humanities Economics, Econometrics & Finance Education Social Sciences

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COMPARISON ANALYSIS OF THE HEALTH OF SOE BANKS AND PRIVATE BANKS USING THE RGEC METHOD 2016-2020 PERIOD Herry Susanto; Mas Ning Zahroh; Eprilly Ozza Permatadewi
International Journal Management and Economic Vol. 2 No. 1 (2023): Januari: International Journal Management and Economic
Publisher : Asosiasi Dosen Muda Indonesia

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

Abstract

Bank health can be interpreted as the ability of a bank to carry out banking operations normally and be able to fulfill all of its obligations properly in ways that are in accordance with applicable banking regulations. The purpose of this study was to determine the difference in the level of soundness in state-owned banks and private banks based on the Risk Profile factor using the NPL (Non Performing Loan) ratio, and LDR (Loan to Deposit Ratio), Good Corporate Governance (GCG), Earning (Rentability) using Return On Assets (ROA) ratio, and Net Interest Margin (NIM) and Capital ratios using the Capital Adequacy Ratio (CAR) during the period 2016 to 2020. The results of the study using the Independent Sample T-test and the Mann-Whitney test show that there is a significant difference in the level of bank soundness at state-owned banks and private banks only in the ratio of Capital Adequacy Ratio (CAR). As for the ratios of NPL (Non Performing Loans), LDR (Loan to Deposit Ratio), Return On Assets (ROA), Net Interest Margin (NIM) and Good Corporate Governance (GCG) ratios, there is no significant difference.
THE EFFECT OF FINANCIAL PERFORMANCE ON COMPANY VALUE IN TELECOMMUNICATION COMPANIES LISTED ON THE INDONESIA STOCK EXCHANGE Indra Nugraha; Mas Ning Zahroh
International Journal Management and Economic Vol. 2 No. 2 (2023): May: International Journal Management and Economic
Publisher : Asosiasi Dosen Muda Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56127/ijme.v2i2.598

Abstract

The sample used in this study were 4 telecomunication sector companies listed on Indonesian Stock Exchange period 2013-2017 with purposive sampling. The indicators used are ROA for Profitability, DER for Solvability, CR for Liquidity and PBV for Firm Value. Data collection techniques use financial statements originating from the Indonesia Stock Exchange. The analysis technique used is Multiple Linear Regression.The result of this study indicate profitability has a positive and significant effect on firm value, solvency does not have a significant effect on firm value, liquidity has a positive and significant effect on firm value. Simultaneously profitability, solvability and liquidity affect the firm value.
THE INFLUENCE OF SERVICE QUALITY AND PERCEPTION OF BENEFITS ON GO-PAY SERVICE USER SATISFACTION Mas Ning Zahroh
International Journal Multidisciplinary Science Vol. 1 No. 3 (2022): October: International Journal Multidisciplinary Science
Publisher : Asosiasi Dosen Muda Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56127/ijml.v1i3.437

Abstract

One of the electronic payment instruments is known as electronic money (emoney). E-money is a form of digital money. E-money functions to transfer the money balance data contained in our e-money to a computer or sales information system, so that the goods we want are purchased without spending additional cash. The purpose of this study was to determine the effect of service quality and perceived benefits partially and simultaneously on Go-Pay service user satisfaction. In this study, the method used is primary data, namely data taken from distributing questionnaires to Gundarma University students majoring in management class of 2017 who use Go-Pay services. The analytical tools used are Likert scale, validity test, reliability test, classic assumption test, determination, RLB, t test, and f test. From the results of the analysis tested, it can be concluded that service quality (X1) has no partial effect on user satisfaction of Go-Pay services, while the perceived benefits variable (X2) has a partial effect on user satisfaction of Go-Pay services. Service quality and perceived benefits simultaneously influence Go-Pay service user satisfaction. This confirms that perceived benefits have a positive influence on Go-Pay service user satisfaction.
CLIMATE CHANGE AND GREEN FISCAL POLICY: A SYSTEMATIC LITERATURE REVIEW ON ENVIRONMENTAL TAXATION AND SUSTAINABLE ECONOMIC GROWTH Mas Ning Zahroh
Jurnal Ekonomi dan Manajemen Vol. 4 No. 2 (2025): Juni: Jurnal ekonomi dan Manajemen
Publisher : Asosiasi Dosen Muda Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56127/jekma.v4i2.2085

Abstract

This paper presents a systematic literature review on the intersection between climate change mitigation and green fiscal policy, with a specific focus on environmental taxation and its role in promoting sustainable economic growth. In response to the escalating climate crisis, governments worldwide are adopting fiscal instruments such as carbon taxes, pollution levies, and green subsidies to internalize environmental externalities and shift market behavior. This review synthesizes findings from 40 peer-reviewed articles and policy reports published between 2010 and 2024, examining both theoretical and empirical perspectives. The review identifies three major themes: (1) the effectiveness of carbon pricing in reducing emissions, (2) the role of fiscal incentives in accelerating green technology adoption, and (3) the distributional impacts and political economy challenges of implementing green tax reforms. Results show that while carbon taxation can reduce emissions by up to 20% in certain jurisdictions, its success is highly context-dependent, shaped by institutional strength, public trust, and economic structure. The study concludes that green fiscal policy is a powerful but complex tool that requires careful design to balance environmental goals with equity and economic competitiveness. It also highlights research gaps, particularly in low-income countries, and calls for more interdisciplinary approaches in evaluating long-term outcomes. This review contributes to the growing discourse on climate-responsive public finance and provides policy insights for designing effective, equitable, and growth-oriented environmental tax regimes.
ANALYSIS OF IMPLEMENTATION OF COSTS, VOLUMES AND PROFITS AT PT JOBUBU JARUM MINAHASA TBK AND PT KIAN SANTANG MULIATAMA TBK Mas Ning Zahroh
International Journal Multidisciplinary Science Vol. 3 No. 1 (2024): February: International Journal Multidisciplinary Science
Publisher : Asosiasi Dosen Muda Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56127/ijml.v3i1.1209

Abstract

This research aims to analyze the financial reports of PT Jobubu Jarum Minahasa Tbk and PT Kian Santang Muliatama Tbk for 2021 and 2022. The analysis focuses on contribution margin, break even point, margin of safety, profit planning, operating leverage and shut down point. Data collection methods include library research. The research results show an increase in the profitability of both companies from 2021 to 2022. The analysis provides in-depth insight into the companies' financial and operational performance. It can be concluded that PT Jobubu Jarum Minahasa Tbk has a better contribution margin, break even point and maximum profit than PT Kian Santang Muliatama Tbk. However, PT Kian Santang Muliatama Tbk has more efficient operating leverage. Overall, the analysis shows better financial and operational performance of PT Jobubu Jarum Minahasa Tbk in 2021 and 2022.
INTEREST IN INVESTING IN MUTUAL FUNDS USING FINTECH APPLICATIONS: DETERMINANTS AND IMPACT ON MUTUAL FUND PURCHASE DECISIONS Rivan Adji Wibowo; Mas Ning Zahroh
International Journal Multidisciplinary Science Vol. 3 No. 2 (2024): June: International Journal Multidiciplinary
Publisher : Asosiasi Dosen Muda Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56127/ijml.v3i2.1315

Abstract

The aim of this research was to analyze interest in investing in mutual funds using an applicationfintech: determinants and their impact on mutual fund purchasing decisions as well as to test the influence of motivation and knowledge on interest in investing in mutual funds and their impact on mutual fund purchasing decisions as well as finding out the most dominant variables. The population in this study were respondents who used the applicationfintech mutual funds. Samples are determined by techniquePurposive Sampling, with 130 respondents. The data collection technique used was a questionnaire. The analysis techniques used in this research are instrument testing (validity test and reliability test), classical assumption test, descriptive statistical analysis, factor analysis, hypothesis testing and coefficient of determination using the SPSS programfor windows 23.0. The research results show that there is a simultaneous or partial influence of motivation and knowledge on interest in investing in mutual funds, there is a simultaneous or partial influence of motivation and knowledge on mutual fund purchasing decisions, and there is an influence of interest in investing in mutual funds on mutual fund purchasing decisions. Based on the partial test results, it can be seen that motivation has the greatest influence on interest in investing in mutual funds and knowledge has the greatest influence on mutual fund purchasing decisions.
Co-Authors Eprilly Ozza Permatadewi Herry Susanto Indra Nugraha Rivan Adji Wibowo