Garuda - Garba Rujukan Digital

PERSYARATAN KECUKUPAN MODAL MINIMUM DAN PERILAKU BANK DI INDONESIA Maromi Merlin Mbate
Wahana: Jurnal Ekonomi, Manajemen dan Akuntansi Vol 17, No 1 (2014)
Publisher : Akademi Akuntansi YKPN Yogyakarta

This study aims to analyze the impact of bank capital requirements in Indonesia where credit and capital crunch. In investigating the impact of bank capital requirements, we set up a simple model of the banking firm as well as having possible effects on the economy. In this study, change of deposits and change of loan were included as the dependent variable and capital requirements as the independent variable while logarithm of total assets, Certificates of Bank Indonesia (SBI) and growth of GDP as the control variable. In estimation, we use annually panel data of all the banks conventional period 2002-2206 while number of samples was 372 banksyears. Based on our econometric tests, we choose the Fixed Effect panel regression model because the bank specific characteristics are found to be different. The results of this study indicated that regulatory capital takes part in the change of Indonesia banks behaviour. The main finding of this study, firstly from the liabilities side of banks is that there was a strong positive relationship between bank capital and growth rate of deposits, where the impact of change in capital is smaller for well-capitalised banks than for poor-capitalised banks. Secondly, with regards to bank lending, it was shown that credit crunch was less apparent in the aftermath of change in capital regulatory in Indonesia. Thus, this study supported of capital crunch. Keywords: Capital Adequacy Ratio, Deposits, Loans, Capital Crunch

Effects of CEO Duality, Board Independence, Ownership Concentration, Company Age on Profit Persistence and Firm Value: An Empirical Study of Manufacturing Companies in West Java, Indonesia Maromi Merlin Mbate; Sutrisno
The Es Accounting And Finance Vol. 1 No. 02 (2023): The Es Accounting And Finance (ESAF)
Publisher : Eastasouth Institute

This research examines the dual effect of CEO, board independence, ownership concentration, and company age on earnings persistence and firm value in manufacturing companies in West Java, Indonesia. The study conducted a survey of 78 manufacturing companies in West Java in 2022. The results show that CEO duality has a negative effect on earnings persistence, while board independence has a positive effect on earnings persistence. Ownership concentration has no significant effect on earnings persistence, and company age has a positive effect on earnings persistence. In addition, board independence and company age have a positive effect on firm value, while CEO duality and ownership concentration have no significant effect on firm value. These findings suggest that companies with separate CEO and board chairman positions and higher board independence are more likely to have persistent earnings and higher firm value. The study also implies that company age plays an important role in determining earnings persistence and firm value.

Empowering Coastal Women Tourism Business Actors Based on Bank Indonesia's Go Digital Application in Kupang City Manafe, Mesri Welhelmina Nisriani; Seseli, Eka Merdekawati Imelda; Kase, Marce Sherly; Fanggidae, Herny Constantia; Mbate, Maromi Merlin
Amalee: Indonesian Journal of Community Research and Engagement Vol 5 No 1 (2024): Amalee: Indonesian Journal of Community Research and Engagement
Publisher : LP2M INSURI Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/amalee.v5i1.3762

Student-based community service for female coastal culinary entrepreneurs in the tourism sector at Warna Beach, Kupang City is carried out because economically they are the group of business actors most vulnerable to the impact of Covid 19. This service activity aims to provide solutions based on situation analysis through socialization, training, and mentoring. e-financing, e-Payment, e-commerce, Go Digital Bank Indonesia in order to maintain the sustainability of MSMEs and in the long term it is hoped that it can encourage sustainable marine tourism. The method used is Participatory Action Research (PAR). The output target is to increase the knowledge and skills of 16 tourism business partners in using digital applications so that they are able to compete on a local scale. This service activity supports the achievement of main work indicators with a focus on serving the MBKM era on the use of digital technology, sustainability of the green economy, and encouraging the revival of the tourism sector. The achievement of this activity is that 16 partners have been able to carry out digital financial management using the SI APIK application. 16 Partners already have Facebook accounts, WA for business, Grab food, and Open Warung. These accounts have been used to conduct online marketing for each partner. Achieved 50% use of non-cash payments due to problems with several unbanked partners.

Pembuatan Virgin Coconut Oil (VCO) Pada Kegiatan Belajar Dan Pendampingan Masyarakat Di Desa Oeletsala Jofret Umbu Soru Peku Djawang; Alya Elita Sjioen; Maromi Merlin Mbate; Jusuf Aboladaka; Anggelina Dasilva Mali
Jurnal Pengabdian Masyarakat Vol. 2 No. 1 (2023): April : Jurnal Pengabdian Masyarakat
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/abdimas45.v2i1.996

Oeletsala Village also has several excellent potentials in the plantation sector which can be managed as a source of increasing the income of the village community, one of which is coconuts which are very abundant, where almost every community house in Oeletsala Village has coconut trees that thrive. The local people are still not aware of utilizing the potential of coconuts and lack of knowledge in the process of producing coconuts into a product that has a high selling value such as Virgin Coconut Oil (VCO), so many coconuts are wasted. The solution offered to partners in solving the problem is to conduct training on making Virgin Coconut Oil (VCO) for the people of Oeletsala Village, in this case youth groups, representatives of disability groups and Oeletsala Village officials, thereby increasing people's income and training partners in utilizing online media as a means of to sell and promote VCO products, with the expected outcome through this activity is the creation of a Virgin Coconut Oil (VCO) product that is packaged in an attractive way and determines the selling price and the use of online marketing media such as Facebook, Instagram and Whatsapp as a means of product marketing.

PENGARUH PERENCANAAN DAN IMPLEMENTASI TERHADAP REALISASI ANGGARAN DENGAN KEBIJAKAN PERUBAHAN ANGGARAN SEBAGAI VARIABEL INTERVENING PADA DINAS KESEHATAN KOTA KUPANG Mbado, Margarethy Rohanie; Mbate, Maromi Merlin
Inspirasi Ekonomi : Jurnal Ekonomi Manajemen Vol. 4 No. 1 (2022): Inspirasi Ekonomi : Jurnal Ekonomi Manajemen
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Timor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32938/ie.v4i1.2475

The Kupang City Health Office is an accounting entity from the Kupang City Government which is obliged to carry out accounting and accountability reports for the implementation of the Regional Revenue and Expenditure Budget by compiling financial reports in the form of Budget Realization Reports (LRA), Balance Sheets, and Notes to Financial Statements abbreviated as CALK. This type of research is quantitative using the SEM-PLS analysis tool. The informants in this study were employees who work in the Health Department of Kupang City. The results showed that The results of the descriptive analysis of all the variables in this research were in the good category, so that the management of the Health Department needed to maintain the system that was already running and they needed to improve their work performance so that in the future it could be even better, Planning variable significantly influence with the budget policies variable of the Health Department of Kupang City, The planning variable does not significantly influence the budget realization variable, The implementation variable has a significant influence with the budget policies variable, The implementation variable does not significantly influence the budget realization variable, Budget policies variable significantly influence budget realization variable, Budget planning variable indirectly through budget policies has a significant influence on budget realization, Budget implementation variable indirectly through the budget policies significantly influence the budget realization. Based on the results of this research, it is suggested that in running the plan, the Health Department of Kupang City should use achievement data as the estimate and the budget in planning needs to be increased, in the budget implementation of Health Department of Kupang City it is important to pay attention about coordination in the inclusion of APBD draft documents so that budget discipline can run properly, related to the budget realization of the Health Department of Kupang City, it should pay more attention to activities that involve many people

Empowering Coastal Women Tourism Business Actors Based on Bank Indonesia's Go Digital Application in Kupang City Manafe, Mesri Welhelmina Nisriani; Seseli, Eka Merdekawati Imelda; Kase, Marce Sherly; Fanggidae, Herny Constantia; Mbate, Maromi Merlin
Amalee: Indonesian Journal of Community Research and Engagement Vol. 5 No. 1 (2024): Amalee: Indonesian Journal of Community Research and Engagement
Publisher : LP2M INSURI Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/amalee.v5i1.3762

Student-based community service for female coastal culinary entrepreneurs in the tourism sector at Warna Beach, Kupang City is carried out because economically they are the group of business actors most vulnerable to the impact of Covid 19. This service activity aims to provide solutions based on situation analysis through socialization, training, and mentoring. e-financing, e-Payment, e-commerce, Go Digital Bank Indonesia in order to maintain the sustainability of MSMEs and in the long term it is hoped that it can encourage sustainable marine tourism. The method used is Participatory Action Research (PAR). The output target is to increase the knowledge and skills of 16 tourism business partners in using digital applications so that they are able to compete on a local scale. This service activity supports the achievement of main work indicators with a focus on serving the MBKM era on the use of digital technology, sustainability of the green economy, and encouraging the revival of the tourism sector. The achievement of this activity is that 16 partners have been able to carry out digital financial management using the SI APIK application. 16 Partners already have Facebook accounts, WA for business, Grab food, and Open Warung. These accounts have been used to conduct online marketing for each partner. Achieved 50% use of non-cash payments due to problems with several unbanked partners.

Strengthening Se’i Kupang Production through Kesambi Leaf Biobriquette Innovation, Financial Literacy, and Digital Marketing Helda Marlin Ala; Mesri Welhelmina Nisriani Manafe; Herny Constantia Fanggidae; Jemmy Jonson Sula Dethan; Maromi Merlin Mbate
Amalee: Indonesian Journal of Community Research and Engagement Vol. 7 No. 1 (2026): Amalee: Indonesian Journal of Community Research and Engagement
Publisher : LP2M INSURI Ponorogo

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

Se’i, a traditional smoked meat from East Nusa Tenggara, Indonesia, has a strong cultural identity and economic potential; however, its production still relies on conventional firewood, resulting in inconsistent quality, energy inefficiency, and unstable production costs. This study aims to implement an integrated empowerment model that combines green energy innovation, financial literacy, and digital marketing to strengthen the sustainability of se’i micro and small enterprises (MSMEs) in Kupang City. The program was conducted using a Participatory Action Research (PAR) approach within a structured, integrated empowerment framework, including a baseline assessment, biomass briquette training and simulation, financial literacy workshops with SI-APIK digital bookkeeping implementation, digital marketing training, and a before–after evaluation. The results show a 22–28% reduction in fuel consumption per production cycle, improved stability of smoking temperature and product consistency, full adoption of simple financial reporting and cost-of-production calculation among partners, and increased digital engagement and transactions. The integration of biomass briquettes from Kesambi leaves, structured financial management, and data-driven digital marketing synergistically improved cost efficiency, managerial capacity, and market expansion. In conclusion, the integrated empowerment model effectively enhances production efficiency, financial transparency, and business competitiveness, offering a replicable framework for strengthening traditional food MSMEs through green innovation and digital transformation.

PENGARUH KEMISKINAN, PDRB, DAN ANGGARAN KESEHATAN TERHADAP PREVALENSI STUNTING DI KABUPATEN/KOTA PROVINSI NUSA TENGGARA Maromi M. Mbate; Jemmy J. S. Dethan; Melvin K. Djami Rane
Inspirasi Ekonomi : Jurnal Ekonomi Manajemen Vol. 8 No. 2 (2026): Inspirasi Ekonomi : Jurnal Ekonomi Manajemen
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Timor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32938/ie.v8i2.11159

Stunting remains an important public health problem in Indonesia, including in East Nusa Tenggara Province, which records a higher prevalence than the national average. This study aims to analyze the effects of poverty, Gross Regional Domestic Product (GRDP), and health expenditure on stunting prevalence in 22 regencies/cities in East Nusa Tenggara Province during 2020–2024. The study uses secondary panel data obtained from official government publications. Data were analyzed using panel regression, and the best-fitting model was the Fixed Effect Model. The results show that poverty has a positive and significant effect on stunting, while GRDP and health expenditure have negative and significant effects on stunting. Simultaneously, the three variables significantly affect stunting prevalence. These findings confirm that stunting is a multidimensional problem that requires cross-sector policies through poverty reduction, regional economic strengthening, and increased health spending.

ANALISIS PENGARUH PRODUK DOMESTIK REGIONAL BRUTO DAN JUMLAH PENDUDUK TERHADAP PENDAPATAN ASLI DAERAH DI PROVINSI NUSA TENGGARA TIMUR Maromi M. Mbate; Melvin K. Djami Rane
Inspirasi Ekonomi : Jurnal Ekonomi Manajemen Vol. 7 No. 4 (2025): Inspirasi Ekonomi : Jurnal Ekonomi Manajemen
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Timor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32938/ie.v8i1.11208

Penelitian ini menganalisis pengaruh Produk Domestik Regional Bruto dan jumlah penduduk terhadap Pendapatan Asli Daerah di Provinsi Nusa Tenggara Timur. Penelitian menggunakan pendekatan kuantitatif dengan desain asosiatif kausal berdasarkan data sekunder runtut waktu tahun 2013–2022 yang diperoleh dari publikasi resmi statistik daerah. Data dianalisis menggunakan regresi linier berganda dengan spesifikasi model double log untuk menguji pengaruh simultan dan parsial antarvariabel. Hasil penelitian menunjukkan bahwa Produk Domestik Regional Bruto dan jumlah penduduk secara simultan berpengaruh signifikan terhadap Pendapatan Asli Daerah. Akan tetapi, hasil pengujian parsial menunjukkan bahwa baik Produk Domestik Regional Bruto maupun jumlah penduduk tidak berpengaruh signifikan terhadap Pendapatan Asli Daerah. Nilai koefisien determinasi tersesuaikan menunjukkan bahwa model mampu menjelaskan sebagian besar variasi Pendapatan Asli Daerah, sedangkan sisanya dipengaruhi oleh faktor lain di luar model. Temuan ini mengindikasikan bahwa kinerja Pendapatan Asli Daerah di Provinsi Nusa Tenggara Timur tidak hanya ditentukan oleh pertumbuhan ekonomi dan dinamika demografis, tetapi juga oleh efektivitas administrasi fiskal, kapasitas pemungutan pajak daerah, dan optimalisasi potensi ekonomi daerah.

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