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All Journal El Dinar Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Jurnal Ekonomi dan Studi Pembangunan (Journal of Economics and Development Studies) EKONOMIS : Journal of Economics and Business Educate : Jurnal Teknologi Pendidikan MBIA Jurnal Ulunnuha Jurnal Inovasi Ekonomi Abdimas Galuh: Jurnal Pengabdian Kepada Masyarakat JMK Jurnal Manajemen dan Kewirausahaan Journal of Islamic Economics and Finance Studies Jurnal Ilmu Ekonomi dan Sosial (JIES) Jurnal Pengabdian dan Pemberdayaan Masyarakat Kepulauan Riau (JPPM KEPRI) Mangente: Jurnal Pengabdian kepada Masyarakat An-Nisbah: Jurnal Ekonomi Syariah Khidmah Nusantara Optimum: Jurnal Ekonomi dan Pembangunan
Nora Ria Retnasih
Universitas Islam Negeri Maulana Malik Ibrahim Malang
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Nursing Public Health Social Sciences Other

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Analisis Guncangan Eksternal Terhadap Indikator Moneter dan Makro Ekonomi Indonesia Nora Ria Retnasih; Grisvia Agustin; Dwi Wulandari
Jurnal Ekonomi dan Studi Pembangunan Vol 8, No 2 (2016)
Publisher : Universitas Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (525.754 KB) | DOI: 10.17977/um002v8i22016p101

Abstract

In accordance with the theory of a small open economy, Indonesia including the category of countries whose economies are vulnerable to the effects from another country who has a close working relationship, such as the United States of America (USA). The purpose of this study was to measure the effect of federal funds rate on BI rate; and BI rate implications on exchange rate, economic growth, and consumer price index. This type of research is quantitative. Collecting data using techniques of documentation provided by the Federal Reserve Data (FRED), Bank Indonesia (BI), and Bureau Central of Statistic (BPS). The analysis tool using Stationarity test, stability models test, determination of lag, and Structural Vector Autoregressive Models (svar). Based on the results of SVAR estimation can be concluded that Federal Fund Rate have a positive and significant effect on BI rate. By implication, BI rate have a positive and significant effect on exchange rate. However, BI rate has also positive but no significant effect on GDP. Neither CPI, the effect is negative and significant.Keywords: Federal Fund Rate, Exchange Rate, Gross Domestic Product, Consumer Prices Index, BI RateJEL Classification: E52, E60
A linkage of monetary policy and conventional-Islamic stocks: Indonesia evidence Nora Ria Retnasih
Jurnal Inovasi Ekonomi Vol. 7 No. 03 (2022): December
Publisher : Center for Economics, Business and Entrepreneurship Development Faculty of Economics and Business, Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jiko.v7i04.21506

Abstract

This research aims to analyze the relationship between monetary economic variables (money supply, inflation, exchange rates, and BI rate) toward the index of sharia stock value (JII) and conventional stock index values (LQ45) over a short and long period. Moreover, predicting the value of each index in the future period is also another objective of this research. The methods used in this quantitative research are Vector Error Correction Model (VECM). The data analyzed in this research is monthly data from January 2019 to December 2021. The result of the long-term VECM test shows that inflation, exchange rate, and BI rate significantly affect both stock indexes. Meanwhile, the result of the short-term test, the money supply affects the JII index, and inflation affects both of the indexes. The results of the IRF test show that the response of LQ45 and JII is very small on monetary variable shocks with a stable value in the long term. The results of the FEVD test show that the variation in the LQ45 is affected by monetary variables in a small percentage, while the effect on the JII is quite high.
Pembuatan Kerajinan Tangan Miniatur Skuter Dengan Memanfaatkan Plastik Bekas Di Desa Jeru, Malang Khuzrotun Ainin; Nora Ria Retnasih; Muhammad Nur Kholilul Firdaus
Jurnal Pengabdian dan Pemberdayaan Masyarakat Kepulauan Riau (JPPM Kepri) Vol 3 No 1 (2023): Volume 3 Nomor 1, 2023
Publisher : STAIN SULTAN ABDURRAHMAN KEPRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35961/jppmkepri.v3i1.695

Abstract

Pengelolaan sampah merupakan salah satu permasalahan yang ada di masyarakat hingga saat ini. Hal ini menjadi sangat penting karena sampah yang ada tidak bisa terurai dan menyebabkan kerusakan alam di sekitar. Pengabdian kepada masyarakat dilakukan untuk mengatasi persoalan ini melalui pembuatan kerajinan tangan agar bermanfaat bagi warga sekitar dan sekaligus memberdayakan ibu rumah tangga agar memiliki penghasilan dari kreativitas yang dihasilkan. Metode yang digunakan dalam pengabdian ini adalah metode Asset Based Community Development (ABCD), diambilnya metode ini karena pengabdian ini dilakukan pada komunitas ibu-ibu PKK di Desa Jeru, Malang, Jawa Timur. Hasil dari pengabdian ini berupa miniatur skuter yang terbuat dari bahan plastik bekas yang dapat dijadikan sebagai pajangan rumah atau bahkan menjadi barang yang bernilai jual. Diharapkan dengan adanya pelatihan ini warga yang berada di sekitar dapat menjadikan sampah yang semula hanya menjadi barang tidak berguna menjadi barang yang bernilai jual dan juga menjadikan lingkungan sekitarnya menjadi lingkungan yang bersih
Financial Literacy, Financial Technology (FinTech), and Locus of Control on Financial Management Behavior Riri Novianti; Nora Ria Retnasih
Ekonomis: Journal of Economics and Business Vol 7, No 1 (2023): Maret
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v7i1.824

Abstract

This study aims to analyze how financial literacy, FinTech, and also locus of control influence the financial management behavior of Faculty of Economics (FE) at UIN Malang students. This study uses descriptive quantitative methods with primary data questionnaires. The population of this study was 1,520 students of FE UIN Malang. The sample used was 317 students calculated using the slovin formula. The data analysis used was multiple linear regression with SPSS 25. The results showed that financial literacy and locus of control significantly affected financial management behavior. While FinTech has no significant effect on financial management. In addition, financial literacy, FinTech, and locus of control simultaneously influence financial management behavior.
DETERMINANT OF CONSUMER DECISION ON ISLAMIC BANKING Dian Novita Sari; Siswanto Siswanto; Ikhsan Maksum; Fadlil Abdani; Ryan Basith Fasih Khan; Nora Ria Retnasih; Setiani Setiani; Masyhuri Masyhuri
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 11, No 1 (2023): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v11i1.17736

Abstract

This study investigates the determinant of customer decisions in Islamic banks' savings: motivation, promotion, and religiosity. Trust variable as a form of research novelty as a mediation. This study uses a quantitative approach with explanatory research. Using purposive sampling, the sample is 95 Islamic bank customers in Nganjuk City, East Java. Data are analyzed using structural equation modeling with Smartpls software. This research generally describes the factors that can improve customer decisions in opening savings at Islamic banks, such as motivation, promotion, and religiosity. These three factors in this study proved that only direct motivation could improve customer decisions. The result means that the other two factors need a mediating variable in the form of customer trust in Islamic banks regarding the safety of money stored and guarantees free from usury. These findings can be a suggestion for the management of Islamic banks to do promotions more often, meaning that what has been done now is still inferior to conventional banks in promotion.
Pandemic Shock and Economic Variables Responses in ASEAN Countries Using Panel Vector Autoregressive Model Nora Ria Retnasih; Yulia Maris Herdianti
Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Vol 24, No 1 (2023): JEP 2023
Publisher : Muhammadiyah University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jep.v24i1.19850

Abstract

This quantitative research aims to measure the factors that affect the economy in 10 ASEAN countries in 2014-2020. The method used is panel vector autoregressive (PVAR). The results of the research were divided into several tests. First, the causality test shows that GDP has an effect on inflation and money supply with a one-way causality. Second, the PVAR test shows that the money supply has a significant effect on inflation and unemployment rate at lags 1 and 2. The follow-up test, namely IRF, shows that the shocks of GDP responded by all economic variables are greater than shocks to other variables. While the results of the VD test show that GDP is the largest contributor to the variation in the value of all economic variables studied, both in the short and long term.
Membina Program Ketahanan Keluarga di Dusun Jeru Timur, Desa Jeru Muhammad Ikhsanullah; Nora Ria Retnasih
MANGENTE: JURNAL PENGABDIAN KEPADA MASYARAKAT Vol 2, No 2 (2023): PELATIHAN LITERASI, KEPEMIMPINAN PENDIDIKAN DAN KETAHANAN KELUARGA
Publisher : IAIN AMBON

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33477/mangente.v2i2.4165

Abstract

Kegiatan ini merupakan kegiatan pembinaan Program Ketahanan Keluarga yang ditujukan kepada Dusun Jeru Timur yang notabene masyarakatnya masih belum memahami konsep Ketahanan Keluarga Sakinah dalam rumah tangga dan cara membangun komunikasi dalam rumah tangga yang lebih harmonis. Tujuan dari kegiatan ini adalah memberikan pemahaman mengenai urgensi pentingnya menanamkan Ketahanan Keluarga Sakinah dalam sebuah keluarga yang bertujuan untuk mengurangi upaya perceraian dan Kekerasan dalam rumah tangga (KDRT) pada keluarga. Metode yang digunakan ialah menggunakan 3 tahapan metode yang disebut ABC yakni Adverse, Belief, & Consequence yang menjadi salah satu cara pengabdian ini dilakukan dengan kata lain penggunaan Observasi, Sosialisasi dan Peninjauan Ulang. Pengabdian ini membuahkan sebuah hasil yakni sebagian masyarakat telah mengimplementasikan prinsip-prinsip Ketahanan Keluarga Sakinah dalam kehidupan be-Rumah Tangga yang bertujuan untuk mengurangi upaya perceraian dan ketidakhamonisan dalam rumah tangga demi mewujudkan program daerah percontohan keluarga yang berdaya tahan, sejahtera dan sakinah di dusun Jeru Timur.
Revolutionizing Resilience: MSMEs' Journey with Digital Strategies in Post-Pandemic Recovery Reza Sarif; Rosya Mawaddah Susanto; Nora Ria Retnasih; Segaf Segaf
JMK (Jurnal Manajemen dan Kewirausahaan) Vol 8 No 3 (2023): September
Publisher : Universitas Islam Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32503/jmk.v8i3.4145

Abstract

The Covid-19 pandemic that has occurred since 2020 has resulted in many business sectors experiencing a decline in performance, and some have even been forced to go bankrupt. This study aims to find out the digital-based strategies implemented by small, micro, and medium enterprises (MSMEs) in maintaining their business amidst economic uncertainty due to the health crisis. The method used in this study is a descriptive qualitative approach with primary data sources. The technique uses interviews with informants who are determined by purposive sampling based on certain criteria. So that in this study, 5 Respondents were business actors in the digital-based culinary field. The data analysis stage carried out in this study consisted of data reduction, then data presentation. And the next data analysis is to conclude from the information that has been obtained. The results of the study show that the digital strategy carried out by MSME actors during the economic recovery is digital marketing. By implementing this strategy, changes to the businesses run by MSME players are quite significant. This can be seen from the increase in income compared to during the pandemic. So, to be able to survive in their business, MSME players need to develop their digital literacy skills by participating in various digital marketing and digital media training.
Cryptocurrency as Investment Assets and Economic Transactions According to the Qur’an: Analysis Based on Ahkam Exegesis Eko Zulfikar; Nora Ria Retnasih
Jurnal Ulunnuha Vol 12, No 1 (2023)
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/ju.v12i1.5964

Abstract

This article explains cryptocurrencies as investment assets and economic transactions according to the Qur'an, where the interpretation analysis is carried out based on several books of Ahkâm exegesis. By using thematic methods and content analysis, it can be concluded that: First, cryptocurrency is a virtual currency created with cryptography technology so it is difficult to imitate and has absolute privacy. This cryptocurrency in the Indonesian context includes a virtual currency that is prohibited, as emphasized by Bank Indonesia regulation Number 19/12/PBI/2017 Article 8 paragraph 2. Second, cryptocurrency according to the Qur'an is a sale and purchase that is forbidden by Islamic law. and assets obtained from the sale and purchase, including property that is vanity (haram). This refers to several interpretations of mufasir a¥kâm Exegesis which mention parts of how to get the vanity property – among them – such as gharar (unclear) and maysir (gambling). Cryptocurrency can be categorized among the two types of vanity assets because it is considered unclear (gharar) its legality as an investment asset and a tool for economic transactions. Meanwhile, the fluctuating level is also too high so it is prone to fraud and causes losses to one party as gambling (maysir).
Comparative Study of Financial Soundness of State and Private Banks in Indonesia Miladiatur Rahmah; Nora Ria Retnasih
MBIA Vol 22 No 1 (2023): Management, Business, and Accounting (MBIA)
Publisher : Direktorat Riset dan Pengabdian kepada Masyarakat Universitas Bina Darma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33557/mbia.v22i1.2199

Abstract

This study aims to investigate the impact of bank soundness on the return on assets (ROA) experienced by state and private banks over the 2016-2022 fiscal quarters. In this study, a quantitative research method employing secondary data obtained through the official website of the OJK (Financial Services Authority) was used as the research methodology. For this investigation, the panel data regression analysis carried out in EViews 9 was the analytical tool. According to research on state banks, the CAR and LDR variables have only a partially significant effect on ROA. Notwithstanding this, ROA is significantly influenced by the NPL and NIM variables. On the other hand, private banks provide some evidence suggesting that the CAR and NPL variables do not have a significant impact on ROA. Several LDR and NIM variables significantly influence ROA. Keywords: Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM), Non-Performing Loan (NPL), Return On Asset (ROA). Abstrak Tujuan dari penelitian ini adalah untuk mengetahui pengaruh tingkat kesehatan bank terhadap return on asset (ROA) pada bank pemerintah dan swasta periode triwulan 2016-2022. Dalam penelitian ini menggunakan metode penelitian kuantitatif dengan menggunakan data sekunder yang diperoleh melalui situs resmi OJK (Otoritas Jasa Keuangan). Alat analisis yang digunakan dalam penelitian ini adalah analisis regresi data panel menggunakan E-Views 9. Berdasarkan hasil penelitian pada bank pemerintah, secara parsial variabel CAR dan LDR tidak berpengaruh signifikan terhadap ROA. Namun variabel NPL dan NIM berpengaruh secara signifikan terhadap ROA. Di sisi lain, bank swasta menunjukkan bahwa variabel CAR dan NPL tidak berpengaruh signifikan terhadap ROA. Sedangkan variabel LDR dan NIM berpengaruh secara signifikan terhadap ROA. Kata kunci: Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR), Net Interest Margin (NIM), Non-Performing Loan (NPL), Return On Asset (ROA).
Co-Authors Budianto, Eka Wahyu Hestya Dian Novita Sari Dwi Wulandari Eko Zulfikar Fadlil Abdani Grisvia Agustin Ikhsan Maksum Irawan, Fiki Shabri Khuzrotun Ainin Masyhuri Masyhuri Miladiatur Rahmah Muhammad Ikhsanullah Muhammad Nur Kholilul Firdaus Nur Fitriyah Ayu Tunjung Sari Ray, Ade Reza Sarif Riri Novianti Rohmah, Nur Halizah Aulia Rosya Mawaddah Susanto Ryan Basith Fasih Khan Segaf Septiana, Yuvi Putri Setiani Setiani Setiani, Setiani Siswanto Siswanto Syahda, Putri Eliza Yulia Maris Herdianti