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PENGARUH KUALITAS PRODUK DAN REPUTASI TERHADAP KEPUTUSAN NASABAH MENGGUNAKAN JASA BANK SYARIAH INDONESIA Bustomi Bustomi; Harya Kuncara Wiralaga; Siti Fatimah Zahra
Indonesian Journal of Economy, Business, Entrepreneurship and Finance Vol. 3 No. 2 (2023): Indonesian Journal of Economy, Business, Entrepreneuship and Finance
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/ijebef.v3i2.106

Abstract

This study aims to determine the effect of product quality and reputation on customer decisions to use the services of Bank Syariah Indonesia located in DKI Jakarta. The research method used is a survey method with a quantitative approach. The population in this study is customers of Bank Syariah Indonesia in DKI Jakarta. The sample of this study amounted to 272 respondents determined by the formula of the Isaac and Michael table because the population number is unknown. Data collection techniques using questionnaires. The data analysis technique used is multiple linear regression analysis. The results of this study show that, partially, product quality and reputation have a positive and significant influence on customer decisions
THE EFFECT OF NON-CASH PAYMENT TRANSACTIONS ON THE VELOCITY OF MONEY IN INDONESIA Nur Aeni, Indah; Wiralaga, Harya Kuncara; Iranto, Dicky
JOURNAL OF MANAGEMENT, ACCOUNTING, GENERAL FINANCE AND INTERNATIONAL ECONOMIC ISSUES Vol. 2 No. 2 (2023): MARCH
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/marginal.v2i2.630

Abstract

This study aims to examine the effect of non-cash payment transactions on velocity of money in Indonesia. Specifically, it investigates the impact of electronic money transactions, debit card transactions, credit card transactions, and the COVID-19 pandemic on velocity of money. The research adopts a quantitative approach and utilizes time series data from 2018 to 2021 obtained from the Bank Indonesia website. Multiple linear regression analysis is employed as the analytical technique. The findings reveal that electronic money transactions do not significantly affect velocity of money in Indonesia. Debit card transactions show a negative and significant impact, while credit card transactions do not show a significant effect. Furthermore, the COVID-19 pandemic has a negative and significant influence on the velocity of money in Indonesia. Simultaneously, all the independent variables have a significant effect on the velocity of money in Indonesia. The R2 testing indicates that the independent variables explain 85.94% of the variability in the velocity of money variable, while the remaining 14.06% is attributed to other factors beyond this study.
Analysis of Competitiveness and Factors Affecting Indonesian Clove Exports in Five Main Destination Countries Ridhatama, Hafidz; Iranto, Dicky; Wiralaga, Harya Kuncara
Journal of Business and Economics Research (JBE) Vol 5 No 1 (2024): February 2024
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jbe.v5i1.4693

Abstract

This study aims to analyze the competitiveness and factors affecting Indonesian clove exports in five main destination countries. Competitiveness analysis using the Revealed Comparative Advantage (RCA) method. Analysis of factors affecting Indonesian clove exports using gravity models and panel data regression methods processed using E-Views 12 software. This study uses secondary data with five research objects, namely Malaysia, UAE, Singapore, Saudi Arabia, and Vietnam, from 2012-2021, sourced from BPS, Ministry of Trade, UN Comtrade, International Trade Center (ITC), World Bank, and FAO. The results of RCA analysis show that Indonesian cloves are worth an average of above one, which means they have a strong comparative advantage and competitiveness in the five main destination countries. The results of factors affecting Indonesia's clove exports found that the real GDP of destination countries had a positive effect with a regression coefficient value of 12.27291 and was significant at the level of 5% with a probability of 0.0036 on the volume of clove exports. Export prices have a positive effect with a regression coefficient value of 0.871995 and are significant at the level of 5% with a probability of 0.0138 on the export volume of cloves. Meanwhile, economic distance has a negative effect with a regression coefficient value of -13.26768 and is significant at the level of 5% with a probability of 0.0144 on the export volume of cloves. The implications of this study show that Indonesian cloves have a comparative advantage and strong competitiveness, so clove farmers must be able to take advantage of the market conditions of destination countries and map countries with a large demand for cloves. Farmers can pay attention and take advantage of clove export prices in the international market, as well as consider the distance to the destination country which can affect transportation costs. In addition, the Indonesian government must be able to take into account the economies of clove importing countries to determine the implementation of clove export strategies.
PENGARUH PDB, INFLASI, DAN SUKU BUNGA TERHADAP INVESTASI PORTOFOLIO ASING DI INDONESIA PERIODE 2014-2023 Erwinsyah, Hendi; Wiralaga, Harya Kuncara; Sebayang, Karuniana Dianta Arfiando
Jurnal Serambi Ekonomi dan Bisnis Vol 7, No 2 (2024): MARET-AGUSTUS 2024
Publisher : Universitas Serambi Mekkah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32672/jseb.v7i2.7782

Abstract

Foreign portfolio investment is one of the foreign investment flows that has a major contribution to the running of the economy in a country. This study aims to determine the effect of GDP, inflation, and interest rates on foreign portfolio investment in Indonesia. The analysis method used is multiple linear regression using time series data for the period 2014Q1 - 2023Q4. The data used is obtained from the website of Bank Indonesia, Badan Pusat Statistika (BPS), Trading Economics, and CEIC Data. The results showed that GDP has a positive and significant effect on foreign portfolio investment. In addition, inflation also has a positive and significant effect on foreign portfolio investment. Meanwhile, interest rate has a negative and significant effect on foreign portfolio investment. In the simultaneous test, GDP, inflation, and interest rates together have a significant effect on foreign portfolio investment in Indonesia.
THE GOVERNMENT TRANSFERS AND THE FLYPAPER EFFECT PHENOMENON OF CITY/DIGENCY AREA IN JAVA ISLAND Puspita, Regina; Wiralaga, Harya Kuncara; Herlitah
Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi Vol. 2 No. 1 (2021): Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi
Publisher : Faculty of Economics and Business, Universitas Negeri Jakarta

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

Abstract

Intergovernmental transfers play an important role as a source of regional income to reduce thegap between demand and income. The purpose of this study was to determine the effect of GRDP,DAU, and Population Density in metropolitan and non-metropolitan areas in Java in 2019 andto determine the effect of taxes and DAU in provinces with high DAU and provinces with lowDAU in Java in 2010-2019. In addition, this study was also conducted to analyze the causes ofthe flypaper effect phenomenon in Java. Secondary data used are cross section data fromthe BPS of each province and panel data from the DJPK. The results of research using multiplelinear regression method with E-Views SV.11 software show that GRDP and DAU have apositive and significant effect on regional spending in metropolitan and non-metropolitanareas. DAU and taxes have a positive and significant effect on regional spending inprovinces with high and low DAU. Population Density only has a positive and significant effecton regional spending in metropolitan areas. The flypaper effect phenomenon occurs throughoutJava.
THE EFFECT OF MINIMUM WAGE, EDUCATION LEVEL AND GROSS REGIONAL DOMESTIC PRODUCT ON LABOR RASOPTION INDONESIA 2010-2019 Putri, Febriyanti Safdi; Mukhtar, Saparuddin; Wiralaga, Harya Kuncara
Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi Vol. 2 No. 2 (2021): Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi
Publisher : Faculty of Economics and Business, Universitas Negeri Jakarta

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

Abstract

The purpose of this study was to determine the validity, truthfulness, authenticity and reliability of the extent to which the minimum wage, education level, and gross regional domestic product labor absorption in Indonesia. This study uses a quantitative descriptive method using panel data analysis techniques that combine times series data with cross section data. The type of data used in this study is secondary data, obtained from the Central Statistics Agency and other government agencies. The results obtained in this study are that the minimum wage has a positive and insignificant effect on employment in Indonesia, while the level of education and regional domestic products has a positive and significant effect on employment in Indonesia. Simultaneously, the minimum wage, education level and gross regional domestic product have an effect on employment.
ANALYSIS INFLUENCE INSTRUMENT POLICY MACROPRUDENTIAL TO COMMERCIAL BANK LIQUIDITY IN INDONESIA IN THE 2018 PERIOD Budiastuti, Maulidina Nur; Wiralaga, Harya Kuncara; Zahra, Siti Fatimah
Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi Vol. 3 No. 2 (2022): Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi
Publisher : Faculty of Economics and Business, Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/jpepa.0302.13

Abstract

Liquidity is an important aspect that can be considered a bank's lifeblood. To maintain business continuity, banks must always manage liquidity effectively. Liquidity easing is one strategy to assist economic growth during the COVID-19 epidemic. Where macroprudential policies are used to ease liquidity restrictions. As a means of promoting economic growth, the government seeks to induce greater lending to debtors. This easing of liquidity, on the other hand, is thought to help maintain bank operations solvent. This easing of liquidity during the pandemic was carried out by reducing the reserve requirement followed by an increase in the MPLB ratio. In addition, Bank Indonesia strengthened RIM by adding an export money order in its calculations. The goal of this research is to look at how macroprudential policy, such as the Statutory Reserves instrument, the Macroprudential Intermediation Ratio, and the Macroprudential Liquidity Buffer, affects the liquidity of traditional commercial banks in Indonesia from 2018 to 2021. The monthly data utilized comes from the Financial Services Authority website, specifically the Indonesian Banking Statistics section. To evaluate the three hypotheses, the researchers employed a multiple linear regression approach utilizing EViews 10 software. First, the Statutory Reserves have a negative and minor influence on commercial bank liquidity, according to the findings. Second, RIM has a good and considerable impact on commercial bank liquidity. Third, PLM has a considerable negative impact on commercial bank liquidity. Simultaneously, the three independentfactors are discovered to have an impact on commercial bank liquidity.
TAXPAYER COMPLIANCE ON MOTOR VEHICLES IN THE COVID-19 PANDEMI Arsyil, Abyan; Wiralaga, Harya Kuncara; Pratama, Aditya
Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi Vol. 3 No. 2 (2022): Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi
Publisher : Faculty of Economics and Business, Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/jpepa.0302.19

Abstract

Given the importance of the role of the community to pay taxes in their participation in bearing state financing, citizen awareness is required to fulfill their state obligations. Apart from awareness as citizens, most people do not fulfill the obligation to pay taxes, especially in the Central Jakarta City area. This study aims to determine the effect of perceptions of tax rates, tax payment methods and tax sanctions on taxpayer compliance in paying motor vehicle taxes. This research was conducted at the Central Jakarta City SAMSATOffice. The number of samples in this study were 234 respondents with the sampling method using the random sampling method. Collecting data in this study using quantitative techniques through questionnaires. The data analysis technique used in this research is multiple linear regression. The analysis used in this study uses IBM SPSS version 24.0. Based on the results of the analysis, it can be seen that tax rates and tax payment methods have no significant effect on taxpayer compliance, while tax sanctions have a positive and significant effect on taxpayer compliance in paying motor vehicle taxes at the Central Jakarta City SAMSATOffice.
ECONOMIC LITERACY, LIFESTYLE AND SELF-CONTROL OF STUDENT CONSUMPTIVE BEHAVIOR FACULTY OF ECONOMICS, JAKARTA STATE UNIVERSITY Indriyani, Vivia Aegea; Mukhtar, Saparuddin; Wiralaga, Harya Kuncara
Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi Vol. 3 No. 3 (2022): Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi
Publisher : Faculty of Economics and Business, Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/jpepa.0303.12

Abstract

This study aims to determine the effect of economic literacy, lifestyle, and self-control on the consumptive behavior of students at the Faculty of Economics, Jakarta State University. The method used in this study is a quantitative method. The reachable population in this study were all undergraduate students at the Faculty of Economics, Jakarta State University for the 2021/2022 academic year with a total of 97 students. Sampling technique with simple random sampling, with data collection using questionnaires and tests. The analysis technique used in this research is path analysis. The results of this study indicate that: 1) Economic Literacy has a negative and significant effect of -62.7% on Consumptive Behavior, 2) Lifestyle has a positive and significant effect of 76.6% on Consumptive Behavior, 3) Self-control has a negative effect of - 43.5% on Consumptive Behavior, 4) Economic Literacy, Lifestyle and Selfcontrol together have a positive and significant effect of 79.3% and the rest are influenced by other factors.
THE EFFECT OF USING DIGITAL WALLETS AND FINANCIAL LITERACY ON CONSUMPTIVE BEHAVIOR OF STUDENTS IN DKI JAKARTA Nuratika, Oktavia; Mukhtar, Saparuddin; Wiralaga, Harya Kuncara
Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi Vol. 3 No. 3 (2022): Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi
Publisher : Faculty of Economics and Business, Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/jpepa.0303.24

Abstract

This study aims to determine the influence of use digital wallet and financial literacy on the consumptive behavior of students in DKI Jakarta. The research method used was a survey method with a quantitative approach. The population in this study was students with a campus location in DKI Jakarta. The study sample 192 respondents who were determined by the lemeshow formula because the number of the population was unknow. Data collection techniques using questionnaires. The data analysis technique used is multiple linear regression analysis. The results showed that the use of digital wallet and financial literacy had a partial and simultaneous effect on consumptive behavior. The use of digital wallet has a positive and significant effect on consumptive behavior, while financial literacy has a negative and significant effect on consumptive behavior.