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THE EFFECT OF INTEREST RATE OF CREDIT AND THIRD PARTY FUNDS ON THE NUMBER OF CREDIT DISTRIBUTION AT NATIONAL PRIVATE COMMERCIAL BANKS IN INDONESIA, 2015- 2019 Wiralaga, Harya Kuncara; Sebayang, Karuniana Dianta; Nurlatifah, Dewi
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.0303.22

Abstract

This study aims to determine the effect of interest rates on loans and third party funds at National Private Commercial Banks in Indonesia in 2015-2019. The sampling technique uses purposive sampling method. The sample in this study consisted of 39 banks. The data analysis technique used in this research is multiple linear regression analysis, classic assumption test which includes normality test, multicollinearity test and heteroscedasticity test and hypothesis test including t test, f test and coefficient of determination. The model used in this study is the Fixed Effect Model. The results of the researchj show that the lending rate has a significant negative effect on the amount of credit disbursement, while third party funds have a significant positive effect on the amount of lending.
USD EXCHANGE RATE CHANGES AND COAL PRICE FLUCTUATIONS: IMPACT ON INDONESIAN COAL EXPORTS Widati, Sekar Tri; Iranto, Dicky; Wiralaga, Harya Kuncara
Jurnal Pendidikan Ekonomi, Perkantoran, dan Akuntansi Vol. 4 No. 3 (2023): 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.0403.09

Abstract

Coal exports represent a significant component of the Indonesian economy, contributing to the country's foreign exchange earnings. In the context of globalization and international trade, Indonesia's coal export volume is influenced by a range of external factors, including exchange rates and coal prices in the international market. This study aims to determine the effect of exchange rates and international coal prices on Indonesia's coal export volume. This study employs time series data from 1992 to 2022 and the Error Correction Model (ECM) analysis method, utilizing the EViews 12 software, to examine the long-term and short-term relationships between the exchange rate and international coal prices and the volume of Indonesian coal exports. The results of the analysis indicate that in the short term, exchange rates and international coal prices do not exert a significant influence on the volume of Indonesian coal exports. Nevertheless, in the long term, the exchange rate and international coal prices exert a significant influence on the volume of Indonesian coal exports.
TAXPAYER COMPLIANCE ON MOTOR VEHICLES IN THE COVID-19 PANDEMIC Arsyil, Abyan; Wiralaga, Harya Kuncara; Pratama, Aditya
CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Vol. 2 No. 1 (2022): OCTOBER
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/cashflow.v2i1.380

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 ability to pay 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 SAMSAT Office. 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 ability to pay 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 SAMSAT Office.
THE EFFECT OF USE OF E-COMMERCE AND THE EXISTENCE OF E-WALLET FACILITIES ON CONSUMPTIVE BEHAVIOR IN THE MILENIAL GENERATION IN JAKARTA Almukhlisah, Ghia Syifa; Wiralaga, Harya Kuncara; Iranto, Dicky
CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Vol. 2 No. 2 (2023): JANUARY
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/cashflow.v2i2.505

Abstract

This study aims to determine the effect of using e-commerce and using e-wallets on the consumptive behavior of the millennial generation in Jakarta. The method used in this research is a quantitative method. The reachable population in this study is the millennial generation in Jakarta as many as 100 people. Sampling technique with Purposive Sampling, with data collection using a questionnaire. The data analysis technique used in this research is using the primary data of the regression model. The results of this study indicate that: 1) Use of E-Commerce has a positive and significant effect of 6,032 on Consumptive Behavior, 2) Use of E-Wallet has a positive and significant effect of 7,962 on Consumptive Behavior, 3) Use of E-Commerce and Use of E-Wallet simultaneously have a positive and significant effect of 70,6% and the rest are influenced by other factors.
THE EFFECT OF ECONOMIC LITERACY, LIFESTYLE AND SELF CONTROL ON CONSUMPTIVE BEHAVIOR OF STUDENTS OF THE FACULTY OF ECONOMICS STATE UNIVERSITY OF JAKARTA Indriyani, Vivia Aegea; Saparuddin; Wiralaga, Harya Kuncara
REVIEW OF MULTIDISCIPLINARY EDUCATION, CULTURE AND PEDAGOGY Vol. 1 No. 3 (2022): MAY
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/romeo.v1i3.338

Abstract

This study aims to determine the effect of economic literacy, lifestyle, and self-control on the consumptive behavior of the students of the Faculty of Economics, State University of Jakarta. The method used in this study is a quantitative method. The population reached in this study were all undergraduate students of the Faculty of Economics, State University of Jakarta for the 2021/2022 academic year as many as 97 students. The sampling technique was simple random sampling, with data collection using questionnaires and tests. The analytical technique used in this study is Path Analysis or 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% of Consumptive Behavior, 4) Economic Literacy, Lifestyle and Self-control simultaneously have a positive and significant effect of 79.3% and the rest are influenced by other factors.
Pengaruh Produk Domestik Bruto, Tingkat Suku Bunga, dan Nilai Tukar Terhadap Investasi Asing di Indonesia Tahun 2010-2022 Edbert Sebastian Ghozali Putra Muhaimin; Harya Kuncara Wiralaga; Siti Fatimah Zahra
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 3 No. 5: Juli 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v3i5.3849

Abstract

Investasi merupakan salah satu hal yang sangat penting bagi perekonomian Indonesia karena investasi dapat menjadi katrol dan modal untuk menunjang pembangunan nasional. Dalam konteks perekonomian internasional, investasi tidak hanya datang dari dalam negeri melainkan juga datang dari luar negeri. Masuknya investasi asing di Indonesia dipengaruhi oleh berbagai faktor, seperti produk domestik bruto (PDB), tingkat suku bunga dan nilai tukar. Penelitian ini bertujuan untuk mengetahui pengaruh tingkat suku bunga dan nilai tukar terhadap produk domestik bruto serta pengaruh suku bunga, nilai tukar, dan produk domestik bruto terhadap investasi asing langsung. Penelitian ini menggunakan metode analisis jalur (path analysis) dengan alat analisis E-views 12. Hasil penelitian menunjukkan tingkat suku bunga dan nilai tukar berpengaruh negatif dan signifikan terhadap produk domestik bruto, tingkat suku bunga berpengaruh negatif dan signifikan terhadap investasi asing langsung, nilai tukar tidak pengaruh terhadap investasi asing langsung, produk domestik bruto berpengaruh positif dan signifikan terhadap investasi asing langsung, serta berdasarkan uji sobel yang dilakukan produk domestik bruto secara signifikan mampu memediasi tingkat suku bunga dan nilai tukar terhadap investasi asing langsung di Indonesia.
Pengaruh Literasi Keuangan, Penggunaan Digital Payment, dan Pendapatan terhadap Inklusi Keuangan di DKI Jakarta Siti Aisyah Amini; Harya Kuncara Wiralaga; Karuniana Dianta Arfiando Sebayang
Kajian Ekonomi dan Akuntansi Terapan Vol. 2 No. 2 (2025): Kajian Ekonomi dan Akuntansi Terapan (KEAT)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/keat.v2i2.1163

Abstract

This research aims to analyze the influence of financial literacy, digital payment usage, and income on financial inclusion in DKI Jakarta. This study uses a quantitative approach with a survey method through questionnaires distributed to 157 respondents who are digital payment users aged 15-59 years, have an income, and reside in DKI Jakarta. The analysis results show that financial literacy, digital payment usage, and income each have a positive and significant impact on financial inclusion. The R² value of 0.588 indicates that 58.8% of the variation in financial inclusion can be explained by the variables of financial literacy, digital payment usage, and income. Meanwhile, the remaining 41.2% is explained by other factors not discussed in this study.
INTRINSIC FACTORS AND FIRM FINANCIAL ANALYSIS WITH TRIPPLE BOTTOM LINES AS INTERVENING VARIABLE AGAINST FIRM VALUE Empirical Studies on Property and Real Estate Companies Year 2010-2013 Sari, Mia Andika; Wiralaga, Harya Kuncara; Warokka, Ari
JRMSI - Jurnal Riset Manajemen Sains Indonesia Vol. 7 No. 2 (2016): Jurnal Riset Manajemen Sains Indonesia
Publisher : Fakultas Ekonomi, Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (329.994 KB) | DOI: 10.21009/JRMSI.007.2.10

Abstract

This research conducted to examine the influence of intrinsic factors which being proxied with Capital Structure, Firm Size, Firm Age and Financial factors that being proxied with liquidity, profitability also with another activities using tripple bottom lines as Intervening Variable against Firm Value of Property Industries. The data that being used in this study were obtained from published financial statements during the period 2010 to 2013, as well as annual reports that can be accessed through the IDX website. Data analysis technique used in this study is a regression with panel data and path analysis. The results of this research showed that intrinsic factors and financial variables have a significant influence on the firm value, as well as intrinsic factors and financial variables have a significant influence on the tripple bottom lines. From the results of path analysis demonstrated that the indirect effect using the tripple bottom lines as a intervening variable was greater than the direct effect. Key word: Intrinsic Factors, Financial Factors, Firm Values, Tripple Bottom Line.
PENGARUH LITERASI KEUANGAN, INKLUSI KEUANGAN, DAN FINANCIAL TECHNOLOGY TERHADAP KINERJA UMKM (STUDI KASUS PADA UMKM JAKPRENEUR SEKTOR MAKANAN DAN MINUMAN DI DKI JAKARTA) Dwita Kharisma Putri; Harya Kuncara Wiralaga; Karunia Dianta Arfiando Sebayang
Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Vol. 2 No. 1 (2024): Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi
Publisher : Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.572349/neraca.v2i1.804

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan, inklusi keuangan, dan financial technology terhadap Kinerja UMKM Pada UMKM Jakpreneur Sektor Makanan dan Minuman DKI Jakarta. Metode yang digunakan pada penelitian ini adalah metode kuantitatif. Perolehan data penelitian dilakukan dengan cara menyebarkan kuesioner kepada 100 pelaku UMKM Jakpreneur yang tersebar di DKI Jakarta. Hasil uji hipotesis menunjukkan bahwa: (1) Literasi Keuangan berpengaruh posisitif dan signifikan terhadap Kinerja UMKM; (2) Inklusi keuangan tidak berpengaruh terhadap Kinerja UMKM; (3) Financial Technology berpengaruh positif dan signifikan terhadap Kinerja UMKM.
PENGARUH PENDIDIKAN, KESEHATAN, UPAH, DAN INVESTASI MODAL FISIK TERHADAP PRODUKTIVITAS TENAGA KERJA DI INDONESIA Eka Sulistyawati; Harya Kuncara Wiralaga; Karuniana Dianta Arfiando Sebayang
Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Vol. 2 No. 2 (2024): Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi
Publisher : Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.572349/neraca.v2i2.869

Abstract

Indonesia mengalami kenaikan angka produktivitas tenaga kerja dalam beberapa tahun kebelakang namun belum mencapai produktivitas yang paling tinggi sebagaimana posisinya dalam kawasan Asia Tenggara, Indonesia masih menempati urutan kelima sehingga masih tergolong produktivitas yang rendah. Dilihat dalam 34 provinsi di Indonesia, seluruh provinsi mengalami peningkatan dari tahun ke tahun kecuali pada tahun 2020 yang mengalami penurunan akibat pandemi covid-19. Dari 34 provinsi di Indonesia yang terus mengalami kenaikan terdapat 16 provinsi dengan produktivitas di bawah Rp 100 juta. Rendahnya produktivitas tenaga kerja Indonesia disebabkan karena tingkat pendidikan yang masih rendah. Tujuan penelitian ini adalah untuk melihat pengaruh pendidikan, kesehatan, upah, investasi modal fisik dan pandemi covid-19 (variabel dummy) terhadap produktivitas tenaga kerja di Indonesia. Analisis dilakukan menggunakan regresi data panel dengan bantuan Eviews 12 Student Version. Hasil menunjukkan bahwa secara parsial pendidikan, upah, kesehatan dan investasi modal fisik berpengaruh positif signifikan terhadap produktivitas tenaga kerja. Sedangkan pandemi covid-19 berpengaruh negatif signifikan terhadap produktivitas tenaga kerja.