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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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Exploring the Dynamic Nexus between Indonesian Economic Forces and Islamic Banking Financial Performance Nora Ria Retnasih
Journal of Islamic Economics and Finance Studies Vol 4 No 2 (2023): JIEFeS, December 2023
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v4i2.6581

Abstract

World economic uncertainty during the pandemic resulted in a decline in overall economic activity. This has an impact on the financial performance of Islamic banks, especially those related to business and consumer financing. Most customers face financial difficulties and ultimately have the potential for increased credit risk. So, there is a mutual connection between macroeconomic indicators and the financial performance of Islamic banks. This research aims to measure the magnitude of the influence of economic variables on the financial performance of Indonesian Sharia Banking for the period 2020 quarter 1 to 2022 quarter 4. The method used in this quantitative research is Panel Vector Autoregressive (PVAR). The research results show that the exchange rate significantly affects Islamic banks' financial performance. In the long term, exchange rate shocks positively impact the FDR and NPF variables, while the ROA and CAR variables give a negative response. The exchange rate also makes the largest contribution to all financial performance variables compared to interest rates and the consumer price index. The implication is for policymakers to always maintain domestic economic stability, especially the exchange rate. Exchange rate stability reflects price stability as measured by inflation and will have an impact on other economic indicators.   Ketidakpastian ekonomi dunia selama pandemi mengakibatkan penurunan aktivitas ekonomi secara keseluruhan. Hal ini berdampak pada kinerja keuangan bank syariah terutama yang terkait dengan pembiayaan bisnis dan konsumen.  Sebagian besar nasabah menghadapi kesulitan keuangan dan pada akhirnya berpotensi pada peningkatan resiko kredit. Sehingga terdapat keterikatan satu sama lain antara indicator perekonomian makro dan kinerja keuangan bank syariah. Penelitian ini bertujuan untuk mengukur besarnya pengaruh variabel ekonomi terhadap kinerja keuangan Perbankan Syariah Indonesia periode tahun 2020 triwulan 1 sampai dengan tahun 2022 triwulan 4. Metode yang digunakan dalam penelitian kuantitatif ini adalah Panel Vector Autoregressive (PVAR). Hasil penelitian menunjukkan bahwa nilai tukar berpengaruh signifikan terhadap kinerja keuangan bank syariah. Dalam jangka panjang guncangan nilai tukar memberikan dampak positif terhadap variabel FDR dan NPF, sedangkan variabel ROA dan CAR memberikan respon negatif. Selain itu, nilai tukar juga memberikan kontribusi paling besar terhadap seluruh variabel kinerja keuangan dibandingkan tingkat suku bunga dan indeks harga konsumen. Implikasinya bagi pengambil kebijakan untuk selalu menjaga stabilitas perekonomian dalam negeri, khususnya nilai tukar. Stabilitas nilai tukar mencerminkan stabilitas harga yang diukur dengan inflasi dan akan berdampak pada indikator perekonomian lainnya.
IMPLEMENTATION OF INTEGRATED ONLINE SYSTEM (IOS) IN IMPROVING LEARNING CAPABILITY BASED ON TECHNOLOGY MANAGEMENT Budianto, Eka Wahyu Hestya; Setiani, Setiani; Retnasih, Nora Ria
EDUCATE Vol 9 No 1 (2024)
Publisher : Program Studi Teknologi Pendidikan FKIP Universitas Ibn Khaldun, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/educate.v9i1.16338

Abstract

This research aims to determine: (1) Motivation for implementing IOS in improving technology management-based learning capabilities at the Faculty of Economics; (2) Procedures for implementation; (3) Implications of its application; and (4) Obstacles to its implementation. This research uses a qualitative case study type approach. The research location is the Faculty of Economics at UIN Maulana Malik Ibrahim Malang. Data sources come from primary and secondary data. Data collection techniques include: observations, interviews to seek information and information, and documentation as evidence of research. Meanwhile, data analysis techniques include: data reduction, data presentation, verification and conclusions. Then, data validity checking techniques include: increased persistence and source triangulation. The research results show that: first, there are several motivations for implementing IOS in improving technology management-based learning capabilities at the Faculty of Economics, including: increasing research, innovation, learning quality, resources and accessibility. Second, there are several procedures for implementation, including: curriculum integration, identification of needs, and selection of platform. Third, there are several implications in its implementation, including: increasing accessibility, monitoring, evaluation, integration of the latest technology, student involvement, and time flexibility. Fourth, there are several obstacles in its implementation, including: limited infrastructure, availability of technical support, and internet access.
ANALISIS KINERJA EKONOMI GLOBAL DAN MAKROEKONOMI DOMESTIK TERHADAP PASAR MODAL SYARIAH INDONESIA Retnasih, Nora Ria
An-Nisbah: Jurnal Ekonomi Syariah Vol 6 No 2 (2019): An-Nisbah
Publisher : UIN Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2019.6.2.258-289

Abstract

The fluctuations of Islamic stock indexes incorporated in the Jakarta Islamic Index (JII) is influenced not only by domestic factors but also global economic conditions. This study aims to examine the relationship between global economic variables (FFR and DJI) and domestic macroeconomic conditions (exchange rates and inflation) towards the movement of the Islamic stock index (JII) in both the short and long term. This type of quantitative research uses the Vector Autoregressive (VAR) method with the Impulse Response Function (IRF) and Forecast Error Decomposition of Variance (FEDV) tests. The data used is monthly, starts from January 2014 to December 2017. The IRF test results show that the FFR and DJI variables are responded positively by JII both in the short and long term. The exchange rate variable is responded to negatively in the short and medium term but has changed positively in the long run. Meanwhile, the inflation variable was responded negatively during the study period. Overall, the FEDV test shows that the four variables contribute to the JII, with the largest contribution given by domestic variables (exchange rates and inflation).
The impact of globalization, macroeconomic variables, and financial development on economic growth: Evidence from ASEAN countries Syahda, Putri Eliza; Retnasih, Nora Ria
Optimum: Jurnal Ekonomi dan Pembangunan Vol. 15 No. 1 (2025)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/optimum.v15i1.12113

Abstract

Globalization in the modern world is behind the formation of emerging market countries through the transition in economic growth. ASEAN is considered as the driving force of the world economy, including the emerging market countries that grow within it.  However, economic growth in ASEAN emerging market countries still has to face many challenges. In macro analysis, the parameter of economic growth is GDP. Over time economists have highlighted that there are many other indicators, one of which is globalization, macroeconomic performance and financial development. The aim of this research is to analyze the impact of globalization, inflation, public spending, human capital and financial development on economic growth. This research is relevant because it relates to factors that affect economic growth amid increasingly complex global challenges by providing a comprehensive view of the relationship between variables. This type of quantitative research is based on secondary data. The sampling procedure employed is purposive sampling, which was applied to 5 countries. Data analysis using the PVECM or panel VECM method. The results showed that in the long run globalization, inflation, physical capital, and financial development affect economic growth, but government spending has no effect. While in the short term both lag 1 and 2 all variables affect economic growth. The implication of the study that  government to prioritize the effective allocation of public spending, ensuring that funds are directed toward productive sectors such as infrastructure, education, and health.
Pemberdayaan Rumah Tangga Melalui Praktik Home Garden Sebagai Upaya Pencegahan Stunting di Desa Gondang Wetan Retnasih, Nora Ria; Sari, Nur Fitriyah Ayu Tunjung; Septiana, Yuvi Putri
Abdimas Galuh Vol 7, No 1 (2025): Maret 2025
Publisher : Universitas Galuh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25157/ag.v7i1.16585

Abstract

Kegiatan pengabdian masyarakat ini bertujuan untuk mencegah stunting melalui pemberdayaan rumah tangga dengan praktik home garden di Desa Gondang Wetan, Kabupaten Pasuruan, menggunakan pendekatan Asset-Based Community Development (ABCD). Pendekatan ini dilakukan melalui lima tahapan: Discovery (menemukan) potensi lokal berupa lahan pekarangan yang tidak termanfaatkan dan kondisi stunting yang masih tinggi; Dream (impian), yaitu merancang solusi berupa home garden untuk meningkatkan gizi keluarga; Design (merancang) kegiatan yang melibatkan sosialisasi, praktik menanam sayuran, dan monitoring; Define (menentukan) peran warga sebagai role model dalam pelaksanaan praktik; serta Destiny (melakukan), yaitu implementasi program dengan antusiasme warga. Hasil kegiatan menunjukkan bahwa praktik home garden mampu meningkatkan akses rumah tangga terhadap sayuran bergizi, memperkuat kesadaran masyarakat akan pentingnya gizi dalam mencegah stunting, serta memanfaatkan aset lokal secara efektif. Monitoring juga menunjukkan keberhasilan beberapa keluarga dalam memanen dan memanfaatkan hasil tanamannya. Program ini menciptakan dampak jangka panjang yang mendukung kesejahteraan berkelanjutan melalui peningkatan kapasitas masyarakat dalam mengelola sumber daya secara mandiri. Implikasi dari kegiatan ini diharapkan dapat menjadi model pemberdayaan yang berkelanjutan di desa lain dengan tantangan serupa.
Analysis of the Influence of Online Shopping Consumption Through E-commerce Shopee Among Students of the Faculty of Economics UIN Malang Rohmah, Nur Halizah Aulia; Retnasih, Nora Ria
Jurnal Ilmu Ekonomi dan Sosial (JIES) Vol 13, No 1 (2024): Maret 2024
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/jies.v13i1.21064

Abstract

This analysis aims to evaluate the consumerist influence of online shopping through the Shopee e-commerce platform on students of the Faculty of Economics at UIN Malang. This research aims to understand the extent of consumer tendencies and their impact on the financial behavior of students at the Faculty of Economics, UIN Malang. The research method used is a questionnaire or survey, with a target sample representing students of the Faculty of Economics at UIN Malang for the academic years 2019-2022. The research results show a significant influence of online shopping consumption through Shopee on students of the Faculty of Economics at UIN Malang. Factors such as ease of access, promotional offers, convenience, product variety, and social influence play an important role in driving consumer behavior. However, it is important to remember that such consumerism can have negative financial consequences if not managed properly, which can lead to financial difficulties in the future.
The Challenge of Behavioral Bias in Investment Decisions of PT Mirae Asset Sekuritas Users in Malang City Kurniawan, Mochamad Riski Fajar; Retnasih, Nora Ria
MBIA Vol. 24 No. 3 (2025): 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: 10.33557/9tcgz584

Abstract

Cognitive biases such as loss aversion and herding bias often influence investment decision-making, particularly among retail investors amidst macroeconomic uncertainty due to heated geopolitics, leading to Fear of Missing Out (FOMO) events, which reinforce these behavioral biases when making investment decisions. This study aims to investigate how loss aversion and herding bias influence investment decisions through FOMO, which serves as an intervening variable among investors using the services of PT Mirae Asset Sekuritas in Malang City, with a population of 8,634 investors. The researchers employed an exploratory quantitative design, using a survey method to collect data via an online questionnaire distributed to 100 respondents selected through purposive sampling. Data analysis was conducted using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results show that the direct influence of loss aversion and herding bias has a positive but insignificant effect on investment decisions. Conversely, loss aversion and herding bias have a positive and significant direct influence on FOMO. However, FOMO does not significantly influence investment decisions and is unable to mediate the indirect relationship between loss aversion and herding bias and investment decisions. These findings indicate that although investors experience psychological pressure in the form of FOMO due to behavioral bias, their investment decisions are ultimately based more on rational considerations and self-analysis, supported by financial literacy and access to education from brokers. These results highlight the importance of strengthening financial literacy based on behavioral finance and the need to monitor investment content on digital platforms to mitigate the impact of psychological bias. Keywords: Loss Aversion, Herding Bias, Fear of Missing Out (FOMO), Investment Decisions, Behavioral Finance. Abstrak Bias kognitif seperti loss aversion dan herding bias sering memengaruhi pengambilan keputusan investasi, khususnya di kalangan investor ritel di tengah ketidakpastian makroekonomi akibat geopolitik yang memanas, yang menyebabkan peristiwa Fear of Missing Out (FOMO) memperkuat bias perilaku tersebut ketika mengambil keputusan investasi. Studi ini bertujuan untuk menyelidiki bagaimana loss aversion dan herding bias memengaruhi keputusan investasi melalui FOMO, yang berfungsi sebagai variabel intervening di antara investor yang menggunakan jasa PT Mirae Asset Sekuritas di Kota Malang, dengan populasi 8.634 investor. Peneliti menggunakan desain penelitian kuantitatif eksploratif dengan metode survei untuk mengumpulkan data melalui kuesioner online yang didistribusikan kepada 100 responden yang dipilih menggunakan teknik purposive sampling. Analisis data dilakukan menggunakan metode Partial Least Squares-Structural Equation Modeling (PLS-SEM). Hasil pengaruh loss aversion dan herding bias menunjukkan pengaruh positif tetapi tidak signifikan terhadap keputusan investasi. Sebaliknya, loss aversion dan herding bias memiliki pengaruh langsung yang positif dan signifikan terhadap FOMO. Namun, FOMO tidak secara signifikan memengaruhi keputusan investasi dan tidak mampu memediasi hubungan tidak langsung antara loss aversion dan herding bias dengan keputusan investasi. Temuan ini menunjukkan bahwa meskipun investor mengalami tekanan psikologis dalam bentuk FOMO karena bias perilaku, keputusan investasi mereka pada akhirnya lebih didasarkan pada pertimbangan rasional dan analisis pribadi, yang didukung oleh literasi keuangan dan akses terhadap pendidikan dari pialang. Selain itu penting memperkuat literasi keuangan berdasarkan keuangan perilaku dan perlunya memantau konten investasi di platform digital untuk mengurangi dampak bias psikologis. Kata kunci: Loss Aversion, Herding Bias, Fear of Missing Out (FOMO), Keputusan Investasi, Behavioral Finance.
Peningkatan Literasi Digital Dan Pembelajaran Melalui Aksesibilitas E-Book Dengan Sistem Barcode Di SDN 1 Maguan Fiki Shabri Irawan; Nora Ria Retnasih; Ade Ray
Khidmah Nusantara Vol. 1 No. 1 (2024): Agustus 2024
Publisher : CV.RIZANIA MEDIA PRATAMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69533/bkw7gf74

Abstract

Penelitian ini mendokumentasikan pengabdian masyarakat di SDN 1 Maguan dengan fokus pada peningkatan literasi digital melalui implementasi e-book menggunakan sistem barcode. Berangkat dari observasi terhadap keterbatasan metode pembelajaran dan aktivitas siswa di sekolah, pengabdian ini melibatkan serangkaian tahap, termasuk diskusi, sosialisasi, dan pelatihan. Inisiatif menggunakan barcode sebagai akses e-book bertujuan mengatasi keterbatasan buku cetak, menciptakan variasi pembelajaran, dan meningkatkan literasi digital siswa. Pendekatan Asset Based Community Development (ABCD) diterapkan untuk mengoptimalkan aset komunitas dalam menghadapi perubahan. Evaluasi mencakup pengukuran pemahaman literasi, pemantauan aksesibilitas materi, dan wawancara dengan pihak terkait. Hasil evaluasi menunjukkan peningkatan pemahaman literasi digital siswa dan dampak positif pada minat belajar mereka. Upaya ini diharapkan dapat menjadi inspirasi bagi sekolah-sekolah lain dalam meningkatkan literasi digital di era digital ini. Keseluruhan, pengabdian masyarakat ini memberikan kontribusi positif terhadap transformasi sosial dan ekonomi masyarakat melalui pendidikan, dengan menciptakan pengalaman pembelajaran yang lebih modern dan relevan.
Co-Authors Ade Ray Budianto, Eka Wahyu Hestya Dian Novita Sari Dwi Wulandari Eko Zulfikar Fadlil Abdani Fiki Shabri Irawan Grisvia Agustin Ikhsan Maksum Khuzrotun Ainin Kurniawan, Mochamad Riski Fajar Masyhuri Masyhuri Miladiatur Rahmah Muhammad Ikhsanullah Muhammad Nur Kholilul Firdaus Nur Fitriyah Ayu Tunjung Sari 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, Yulia Maris