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Analisis Komparasi Kinerja Keuangan Bank Perkreditan Rakyat (BPR) Sebelum dan Pada Pandemi Covid-19 Ach Yasin; Ladi Wajuba Perdini Fisabilillah
EQUILIBRIUM : Jurnal Ilmiah Ekonomi dan Pembelajarannya Vol 9, No 2 (2021)
Publisher : Universitas PGRI Madiun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25273/equilibrium.v9i2.10011

Abstract

The impact of the covid-19 pandemic has reduced the economic and financial sectors. The decline has an impact of the activities and economic activities of the community. This study aims to analyze the comparison of the financial performance of rural banks (BPR) before and during the covid-19 pandemic. The research methode used is a quantitative comparative study. The result of this study are that financial performance as measured by the Loan to Deposit Ratio (LDR) and Capital Adequacy Ratio (CAR) during the pandemic is still quite healthy both before the pandemic. The relatively strong capital ratio during the pandemic explains that BPR’s are still stable in resisting the shock caused by the covid-19 pandemic. In contrast to ROA, BOPO and NPL during the pandemic, BPR’s were unable to obtain maximum profit due to the decline in lending by BPR’s, however, DPK fund obtained by BPRs actually increased and the gap suppressed profitability especially ROA. The effect of the covid-19 pandemic have made the performance of BPR inefficient because the costs incurred are greater than the income. Although the BOPO trend continues to increase during the covid-19 pandemic, it is still in the healty category. The amount of BPR’s NPL both before the pandemic and during the pandemic is quite worrying because it has a ratio of more than 5%. Based on his analysis, it can be concluded that during the pandemic, rural bank are still strong enough to withstand shock, but must always be maintained in terms of credit distribution quality and cost efficiency
Pengaruh Pertumbuhan UMKM Dan Tingkat Pengangguran Terhadap Pertumbuhan Ekonomi Di Indonesia Lindah Tri Amanat Sari; Ladi Wajuba Perdini Fisabilillah
Jurnal Ekonomika : INDEPENDEN Vol 1 No 3 (2021): Desember 2021
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (288.412 KB) | DOI: 10.26740/independent.v1i3.43584

Abstract

The benchmark for achieving development in a country can be seen from its economic growth. The high economic growth reflects the high management of production factors in the country. MSMEs (Micro, Small, and Medium Enterprises) are considered to be a determining sector in increasing economic growth because they can manage all the factors that determine economic growth. Besides that, MSMEs can reduce unemployment by absorbing workers up to 119 million in 2019. Seeing this, the researcher wants to know whether there is an influence among the growth of MSMEs and the unemployment rate on economic growth in Indonesia after the economic crisis and before the Covid-19 pandemic with quantitative research methods. and the type of data is secondary data from 2000-2019. Classical assumption test of multiple linear regression was used as data analysis techniques in this study. The results obtained indicate that the MSMEs (Micro, Small, and Medium Enterprises) variable shows a negative effect on economic growth, while the unemployment variable shows a positive influence on economic growth
Analisis Pengaruh Kinerja Keuangan Perbankan Terhadap Harga Saham PT. Bank Rakyat Indonesia, TBK Ovi Amala; Ladi Wajuba Perdini Fisabilillah
Jurnal Ekonomika : INDEPENDEN Vol 1 No 3 (2021): Desember 2021
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (280.862 KB) | DOI: 10.26740/independent.v1i3.43601

Abstract

The purpose of this study is to find out partially and simultaneously whether the financial performance of banks with variables CAR, NPL, ROA, LDR affect the development of stock prices at PT. Bank Rakyat Indonesia, Tbk in 2008-2020. The data used is secondary data in the form of annual financial reports at PT. Bank Rakyat Indonesia, Tbk for 13 years, with a quarterly period starting from 2008-2020. The sample used is state-owned banking with high liquidity, namely PT. Bank Rakyat Indonesia, Tbk. The data analysis test used is Regression Analysis in the form of time series data with Eviews 10. The tests include the Classical Assumption Test in the form of Normality Test, Autocorrelation Test, Multicollinearity Test, Heteroscedasticity Test and Multiple Linear Regression Test in the form of simultaneous F-test and partial T-test. The results showed that the CAR, NPL, ROA and LDR variables together had an effect on stock prices of 87.47%. Partially, the CAR and ROA variables have a significant positive effect, while the LDR variable has a positive and insignificant effect, for the NPL variable it has a negative and significant effect on stock prices.
Pengaruh Jumlah Penduduk Tenaga Kerja Dan Inflasi Terhadap Pertumbuhan Ekonomi Di Kabupaten Banyuwangi Dyan Puspita Sari; ladi wajuba perdini fisabilillah
Jurnal Ekonomika : INDEPENDEN Vol 1 No 3 (2021): Desember 2021
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (296.935 KB) | DOI: 10.26740/independent.v1i3.43606

Abstract

The factors that can be used to determine the ups and downs of economic growth are land and the natural resources in it, the population and the quality of the population and labor, the availability of capital goods and the level of technology used, the state of the social system and community behavior (Sukirno, 2013). ). If the population increases, it will certainly increase per capita income accompanied by an increase in the number of workers. Higher inflation will also cause domestic food prices to rise. This is the driving force behind the rise in wages in the industrial sector so that companies increase production costs. The author conducted a series of research activities to see how the influence of population, labor and inflation on economic growth in Banyuwangi Regency. The final result contained in this study is that partially the population has a significant negative effect on economic growth, in contrast to labor and inflation, the results of which do not significantly affect economic growth. However, with the results of simultaneous testing which shows that the variables of population, labor and inflation have no effect on economic growth.
Fenomena Perilaku Berbelanja Menggunakan Spaylater Serta Dampaknya Terhadap Gaya Hidup Mahasiswa Ilmu Ekonomi Intan Kurniasari; Ladi Wajuba Perdini Fisabilillah
Jurnal Ekonomika : INDEPENDEN Vol 1 No 3 (2021): Desember 2021
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (321.515 KB) | DOI: 10.26740/independent.v1i3.43637

Abstract

Globalisasi mendorong dunia untuk semakin maju khususnya dalam bidang teknologi, pada era saat ini teknologi telah berkembang pesat terbukti dengan lahirnya Financial Technology (fintech) salah satunya adalah SPayLater. Penelitian ini dilakukan untuk mengetahui lebih jauh tentang perilaku belanja online menggunakan fitur SPayLater pada remaja khususnya mahasiswa Jurusan Ekonomi Universitas Negeri Surabaya. Penelitian ini menggunakan metode penelitian deskriptif kualitatif dengan menggunakan pendekatan fenomologi. Hasil penelitian diperoleh dari wawancara dengan narasumber dan juga menggunakan perbandingan penelitian sebelumnya. Pengaruh gaya hidup dan sosial mempengaruhi penggunaan SPayLater dan juga mempengaruhi perilaku belanja mahasiswa Jurusan Ekonomi, Universitas Negeri Surabaya bagi mereka yang cenderung suka berbelanja dengan SpayLater membuat gaya hidup mereka lebih konsumtif, dan penggunaan SPayLater karena pengaruh sosial yang berasal dari teman dan keluarga. iklan. Keywords : SPayLater, Shopping Behavior, Lifestyle, Sosial Influence
Analisis Pengaruh PMDN Dan PMA Terhadap PDRB Jawa Timur erika dwi fitriyani; Ladi Wajuba Perdini Fisabilillah
Jurnal Ekonomika : INDEPENDEN Vol 2 No 1 (2022): April 2022
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (328.638 KB) | DOI: 10.26740/independent.v2i1.44052

Abstract

In essence, GRDP is the total increase in numbers received in all business sectors in the exclusive zone as well as the total number of goods and services most recently received in all economic units in the exclusive zone. The purpose of this research is to see the impact of domestic and foreign investment on GRDP in the East Java Region. The running test method used is quantitative research. The data source used is secondary data from BPS East Java. With time series data in the period 2011-2020. The results of multiple regression analysis show that the level of domestic and foreign investment has a significant effect on the level of GRDP in the East Java region
Pola Kausalitas Nilai Tukar Rupiah Dan Ekspor Kopi Indonesia Ke Amerika Serikat Dinda Retno Kinasih; Ladi Wajuba Perdini Fisabilillah
Jurnal Ekonomika : INDEPENDEN Vol 2 No 2 (2022): Agustus 2022
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (296.575 KB) | DOI: 10.26740/independent.v2i2.50945

Abstract

One of the agricultural product that play a part in the business is coffee. The purpose ofthis research is to find out the causal relationship between the rupiah exchange rate andthe export of Indonesian coffee to the United States on 2000-2021. The quantitative methodis the method used by the researchers in this research. The analytical technique used is theGranger causality test. In the results of this research, one-way causality was obtained onthe coffee export variable affecting the rupiah exchange rate but an inverse causality wasnot found in the rupiah exchange rate variable on coffee exports.Keywords: Coffee, Exports, Exchange Rate, Granger Causality
Pengaruh Fintech Peer to Peer Lending terhadap Produk Domestik Bruto Indonesia Cindy Alifia Pramaisshella; Ladi Wajuba Perdini Fisabilillah
Jurnal Ekonomika : INDEPENDEN Vol 2 No 2 (2022): Agustus 2022
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (257.463 KB) | DOI: 10.26740/independent.v2i2.50969

Abstract

Gross domestic product is an important indicator in knowing the economic condition of a country in a certain period. Increasing the value of GDP is of course the goal of a country to develop its economy by optimizing its resources. This study aims to determine the effect of peer to peer lending on Indonesia's gross domestic product. This study uses a quantitative approach using quarterly time series data from 2018 to 2021 in the form of Indonesian GDP data, and lending data through peer to peer lending. The analysis technique uses simple linear regression with the Ordinary Least Square model. The results showed that peer to peer lending had a positive influence on Indonesia's gross domestic product with an effect of 0.547711 or 55%. These results indicate that the rapid development of lending through fintech peer to peer lending will have a positive impact on Indonesia's gross domestic product.
Pengaruh Pengangguran, Upah Minimum, Dan PDRB Terhadap Kemiskinan Di Provinsi Jawa Timur Regina Kezia Rahayu Syahputri; Ladi Wajuba Perdini Fisabilillah
Jurnal Ekonomika : INDEPENDEN Vol 2 No 2 (2022): Agustus 2022
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (347.519 KB) | DOI: 10.26740/independent.v2i2.50990

Abstract

Poverty is a fundamental problem that continues to be a priority and needs to be solved. This study aims to analyze the effect of unemployment, minimum wage, and gross regional domestic product on poverty in East Java Province. This study uses secondary data which obtained from Central Bureau of Statistics in East Java Province and the decree of governor in East Java Province for period 2018-2021. The research method is quantitative and analyzed with panel data regression with Fixed Effect Model. The results of this study show that unemployment and minimum wage have significant and positive effect on poverty in East Java Province. Meanwhile, gross regional domestic product has significant and negative effect on poverty in East Java Province. Also, unemployment, minimum wage, and gross regional domestic product have simultaneously effect on poverty in East Java Province.
Faktor-Faktor yang Mempengaruhi Tingkat Pengangguran di Indonesia Husnud Diniyah; Ladi Wajuba Perdini Fisabilillah
Jurnal Ekonomika : INDEPENDEN Vol 2 No 2 (2022): Agustus 2022
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (351.565 KB) | DOI: 10.26740/independent.v2i2.50992

Abstract

This research aims to determine the factors that influence the unemployment rate in Indonesia. Several factors analyzed in this research are Human Development Index (HDI), Economic Growth, and minimum wage. This research is a type of quantitative research where the data used is secondary data during 2018 – 2021 and processed using the panel data regression analysis method. The results of this study shows that simultaneously HDI, economic growth, and minimum wages have an effect on the unemployment rate. then partially, HDI has no significant positive effect, while economic growth has a significant negative effect and the minimum wage has an effect significant positive effect on the unemployment rate in Indonesia.