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Literasi Keuangan Digital Sebagai Upaya Pembekalan UMKM Kampung Binaan Go Digital Fisabilillah, Ladi Wajuba Perdini; Aji, Tony Seno; Prabowo, Prayudi Setiawan
Dinamis: Jurnal Pengabdian Kepada Masyarakat Vol. 1 No. 2 (2021): Desember 2021
Publisher : Universitas Hasyim Asy'ari Tebuireng Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/dinamis.v1i2.5723

Abstract

Transformasi UMKM terus dilakukan sebagai upaya untuk penguatan UMKM yakni melalui penggunaan teknologi digital. Pesatnya perkembangan teknologi digital di Indonesia yang menumbuhkan berbagai platform digital yang menawarkan inovasi dalam kegiatan produksi, konsumsi kolaborasi dan berbagi memberikan peluang untuk UMKM agar beradaptasi serta bertransformasi. Perumusan masalah ini adalah bagaimana UMKM Kampung binaan Pamekasan melek digital sehingga dapat memanfaatkan digital dalam proses usahanya. Kesimpulan dari kegiatan ini adalah UMKM sudah dapat menggunakan digital marketing, financial teknologi dan inovasi pembayaran pada usahanya. Kekurangan dari kegiatan ini adalah butuh proses yang lama untuk melihat apakah program ini tercapai dengan baik atau tidak, sehingga UMKM masih perlu pendampingan dan mentoring lebih lanjut
Analisis Efisiensi Kinerja Kelompok Bank Menurut Modal Inti Nugroho, Muchammad Rio; Ladi Wajuba Perdini Fisabilillah
Jurnal Ekonomika : INDEPENDEN Vol 5 No 2 (2025): Agustus 2025
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/independent.v5i2.69004

Abstract

This study aims to analyze the performance efficiency of banks categorized under Core Capital Group 1 (KBMI 1) during the 2020–2023 period. Efficiency is measured using the Data Envelopment Analysis (DEA) method through an intermediation approach, where the input variables used are the Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), and Loan to Deposit Ratio (LDR), while the output variables include the amount of loans disbursed and operating income. The results indicate that the efficiency of banks with the smallest core capital is dynamic. Bank Victoria International (BVIC) achieved full efficiency throughout the study period, while Bank IBK Indonesia (AGRS) and Bank Amar Indonesia (AMAR) consistently experienced inefficiency. Other factors influencing bank efficiency include macroeconomic conditions and the readiness for banking digitalization. Banks that are able to adapt to digital transformation tend to operate more efficiently.
Pengaruh Investasi Terhadap Penyerapan Tenaga Kerja pada Sektor Industri Besar di Kabupaten Sidoarjo Dita Putri Eka Wahyuni; Kukuh Arisetyawan; Lucky Rachmawati; Ladi Wajuba Perdini Fisabilillah
Jurnal Simki Economic Vol 7 No 1 (2024): Volume 7 Nomor 1 Tahun 2024
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jse.v7i1.521

Abstract

One of the classic problems in Indonesia that has not been successfully resolved until now and continues to be scientifically researched is the unemployment rate. This study aims to analyze whether the number of employment in large industries is affected by investment. This research applies quantitative methods and time series data analysis processed with the help of Stata. The research was conducted in one of the provinces in East Java, namely Sidoarjo Regency with a limited range of years between 2010 and 2021. The type of data applied is secondary data obtained through the Sidoarjo Regency Communication and Information Office. The results indicate that investment positively and significantly affects labor absorption. This means that an increase in investment increases labor absorption. The greater the investment, the higher the employment. Suggestions for future researchers are to use a wider scope of research data, such as the scope of Indonesia. In addition, it can expand the category of variables on the effect on educated, trained, uneducated, and unskilled labor.
The Influence of Population and Government Expenditure on Surakarta City Original Revenue 2006-2023 Fahnur Ari Wijaya; Kukuh Arisetyawan; Ladi Wajuba Perdini Fisabilillah; Risqi Noor Hidayati Putri
Jurnal Simki Economic Vol 7 No 2 (2024): Volume 7 Nomor 2 Tahun 2024
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jse.v7i2.710

Abstract

One of the problems that still occurs in the region until now is the problem of regional finance. This study aims to determine whether population and government expenditure have an influence on local revenue in Surakarta City in 2006-2023. This study uses an associative quantitative approach and the method used is multiple linear regression processed with the help of STATA 13. The results showed that population and government expenditure have a positive and significant effect on local revenue. Simultaneously, both variables have a significant effect on local revenue in Surakarta City.
The PENGARUH BI RATE DAN JUMLAH UANG BEREDAR TERHADAP INFLASI DI INDONESIA TAHUN 2010-2024 Rio Firas Doras Talo Cipto; Ladi Wajuba Perdini Fisabilillah
Jurnal Ekonomika : INDEPENDEN Vol 6 No 1 (2026): April 2026
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/independent.v6i1.73891

Abstract

This quantitative study analyzes the effect of the BI Rate and Money Supply (JUB) on Inflation in Indonesia from 2010-2024 using monthly data and multiple linear regression (OLS). The partial test results show The BI Rate has a positive and significant effect on inflation, which deviates from theory and is likely influenced by policy time lag. JUB has a negative and significant effect on inflation, contradicting the quantity theory of money, indicated by liquidity absorption in the non-real sector or saving behavior. Simultaneously, the BI Rate and JUB significantly influence inflation, with the model explaining 49.89% of the variation. This study concludes that the monetary transmission mechanism in Indonesia does not always align with conventional theory and requires policies that consider time lag and structural conditions.
Integrasi Bitcoin dan Pasar Keuangan Global: Pendekatan ARDL Multi Aset Sahrul Ramadhan; Ladi Wajuba Perdini Fisabilillah
Jurnal Ekonomika : INDEPENDEN Vol 6 No 1 (2026): April 2026
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/independent.v6i1.75875

Abstract

This study aims to analyze the level of Bitcoin integration with global financial markets, as represented by the S&P 500, Nikkei 225, Shanghai Composite, and gold indices. The research method uses the Autoregressive Distributed Lag (ARDL) approach to examine the long-term and short-term relationships between variables. The results show that Bitcoin has varying degrees of integration with global financial markets over the long term, while the relationship is more volatile in the short term. These findings suggest that Bitcoin has not yet fully functioned as a stable safe haven, but still has potential as an investment diversification instrument. In conclusion, Bitcoin's movements are still influenced by global market dynamics, so investors need to consider the risk of volatility in making investment decisions.
Determinan Gagal Bayar Peer-to-Peer Lending Bukti Empiris dari Jawa Barat dengan Pendekatan ARDL Meysa Mariela Faradyas Zahra; Ladi Wajuba Perdini Fisabilillah
Jurnal Ekonomika : INDEPENDEN Vol 6 No 1 (2026): April 2026
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/independent.v6i1.76372

Abstract

This study aims to analyze the determinants of peer-to-peer (P2P) lending default in West Java Province using outstanding loan, number of borrowers, unemployment rate, and inflation as explanatory variables. The study employs the Autoregressive Distributed Lag (ARDL) approach to examine both short-run and long-run relationships among the variables. The results indicate that in the long run, outstanding loans, unemployment, and inflation have a positive and significant effect on default, while the number of borrowers has a negative and significant effect. In the short run, the dynamics of default show a pattern that is relatively consistent with the long-run relationship. These findings suggest that the default risk of P2P lending is influenced by a combination of credit expansion and regional macroeconomic conditions. Therefore, strengthening risk management and enhancing supervision over loan growth are essential to maintain the stability of digital financing.