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PERANG SUKU BUNGA KPR DI INDONESIA: PENDEKATAN TEORI PERMAINAN Taurusianingsih, Dyah Nirmalawati
Jurnal Analisis Bisnis Ekonomi Vol 14 No 1 (2016): Volume 14, Nomor 1, April 2016
Publisher : Universitas Muhammadiyah Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (293.502 KB)

Abstract

Penelitian ini mengembangkan model kompetisi di tingkat kredit properti di industy perbankan Indonesia, berdampak pada kebijakan makroprudensial Indonesia. Penelitian ini mengusulkan tiga skenario tingkat pinjaman model kompetis dan estimasi parameter. Hasil bertujuan untuk memberikan kontribusi untuk memahami persaingan harga (suku bunga kredit) di industri perbankan Indonesia pada pendekatan teori permainan, yang sebenarnya, ada lagi pesaing nonperbankan yang masuk ke pasar.
PERANG SUKU BUNGA KPR DI INDONESIA: PENDEKATAN TEORI PERMAINAN Taurusianingsih, Dyah Nirmalawati
Jurnal Analisis Bisnis Ekonomi Vol 14 No 1 (2016): Volume 14, Nomor 1, April 2016
Publisher : Universitas Muhammadiyah Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (293.502 KB)

Abstract

Penelitian ini mengembangkan model kompetisi di tingkat kredit properti di industy perbankan Indonesia, berdampak pada kebijakan makroprudensial Indonesia. Penelitian ini mengusulkan tiga skenario tingkat pinjaman model kompetis dan estimasi parameter. Hasil bertujuan untuk memberikan kontribusi untuk memahami persaingan harga (suku bunga kredit) di industri perbankan Indonesia pada pendekatan teori permainan, yang sebenarnya, ada lagi pesaing nonperbankan yang masuk ke pasar.
THE INDONESIAN BANKING INDUSTRY COMPETITION: FINANCIAL CONGLOMERATION APPROACH Dyah Nirmalawati Taurusianingsih
MIX: JURNAL ILMIAH MANAJEMEN Vol 6, No 3 (2016): MIX: Jurnal Ilmiah Manajemen
Publisher : Universitas Mercu Buana

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Abstract

Abstract. This study was conducted to analyze the existence of economies ofscope and competition in the Indonesian banking industry based on thephenomenon of financial conglomerates. By using the New Empirical IndustrialOrganization method, this study contributed to enrich the literature of bankingindustry competition in Indonesia. The results of the study showed thatconglomeration increased market power and decreased market level competition.
Analisis Pengaruh Utang Luar Negeri Pemerintah terhadap Pertumbuhan Ekonomi Indonesia (Periode 1980-2019) Dinar Rafikhalif; Dyah Nirmalawati
Ecosains: Jurnal Ilmiah Ekonomi dan Pembangunan Vol 10, No 1 (2021): Ecosains: Jurnal Ilmiah Ekonomi dan Pembangunan
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/ecosains.11563157.00

Abstract

This study aims to analyze the effect of government foreign debt on economic growth in the period 1980-2019 in the long and short term by using time series data analysis using the Error Correction Model (ECM). Other independent variables analyzed are investment and Labor Force Participation Rate (TPAK). The results show that the government's foreign debt has a positive and significant impact on economic growth. The value of the elasticity coefficient of economic growth to the government's foreign debt is 4.86 in the long term and 2.47 in the short term. The investment variable and LFPR also show a positive and significant effect in the long and short term, except for the investment variable which has no significant effect in the short term. The ECT coefficient in the short term produced is -0.360222 indicating the speed of adjustment of economic growth towards equilibrium is 36.02% per year
Pengaruh Struktur Kepemilikan Perusahaan Terhadap Nilai Perusahaan Yang Dimediasi Oleh Pengungkapan Environmental, Social, and Governance (ESG) Pada Perusahaan IDX80 Periode 2019-2023 Putri, Viano Mercy; Taurusianingsih, Dyah Nirmalawati
Jurnal Ecogen Vol 8, No 2 (2025): Jurnal Ecogen
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/jmpe.v8i2.17283

Abstract

This study aims to examine the impact of ownership structure on firm value, with the disclosure of Environmental, Social, and Governance (ESG) activities serving as a mediating variable. The analysis is conducted on a sample of 90 companies listed in the IDX80 index on the Indonesia Stock Exchange over the period 2019 to 2023. Using panel regression analysis and the Sobel test to assess the mediating effect, the results reveal that institutional and managerial ownership have a positive and significant influence on firm value, both directly and indirectly through ESG disclosure. In contrast, family ownership has a negative effect on ESG disclosure. Furthermore, ESG disclosure itself has a significant positive effect on firm value. The findings underscore the strategic role of ESG as a transmission mechanism that strengthens the relationship between ownership governance and value creation. The study contributes to the agency theory by demonstrating how different types of ownership can influence managerial incentives and disclosure practices, ultimately affecting firm valuation. These results offer meaningful implications for corporate decision-makers and investors, highlighting the importance of ownership structure and sustainability practices in improving market performance.
Analysis of the Effectiveness of Subsidized Fertilizer Program Distribution in Indonesia Fatika, Yeka Hendra; Umar, Haryono; Nirmalawati, Dyah
Jurnal Doktor Manajemen (JDM) Vol 8, No 2 (2025): SEPTEMBER 2025
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/jdm.v8i2.33990

Abstract

Fertilizer subsidies represent a strategic policy instrument in Indonesia’s agricultural development agenda. Despite their significance, the implementation of subsidized fertilizer programs continues to face numerous challenges, including inaccurate targeting, weak distribution accountability, and data inconsistencies. This study aims to evaluate the effectiveness of the subsidized fertilizer program based on the "7 Right Principles" (Right Target, Type, Quantity, Price, Time, Place, and Quality). Employing a descriptive qualitative approach with mixed methods, data were collected through surveys and in-depth interviews conducted across seven provinces representing diverse geographic and socio-economic contexts. Quantitative scoring using a Likert scale yielded an average effectiveness score of 3.65 out of 5, below the 75% threshold set for effective program implementation. The findings indicate that the program has not yet achieved optimal performance. Major issues persist in the areas of beneficiary validation, timely delivery, and price transparency. The findings of this study are important for informing future policy reformulations, emphasizing several key recommendations, including the establishment of stronger verification systems, the implementation of community-based monitoring, and the enhancement of policy literacy among farmers, in order to sustainably improve the effectiveness of fertilizer subsidies.
PENGARUH QARDH TERHADAP PENCAPAIAN TINGKAT SOLVABILITAS DANA TABARRU’ PADA PERUSAHAAN UNIT ASURANSI JIWA SYARIAH Nugraha Malik, Muhammad; Nirmalawati, Dyah; Ritha, Henny
JAMBIS : Jurnal Administrasi Bisnis Vol. 4 No. 4: Agustus 2024
Publisher : JAMBIS : Jurnal Administrasi Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31334/jambis.v4i4.4109

Abstract

This study aims to analyze the impact of qardh on solvency levels and the role of profitability in solvency for Sharia life insurance companies in Indonesia from 2015 to 2020. The insufficiency of tabarru’ funds can result in the inability of Sharia life insurance companies to pay benefits or claims, leading to a solvency level falling below the regulatory requirement of 120%. Qardh serves as a method to maintain the adequacy of tabarru’ funds and solvency levels. The research employs a descriptive analysis method with purposive sampling, specifically targeting Sharia life insurance units with average assets below 7 trillion IDR. A total of 12 companies were selected as samples, and data collection was conducted through secondary documentation and literature review. The data analysis method utilized is panel data regression with a Fixed Effect (FE) approach, including classical assumption tests and hypothesis testing. The results indicate that larger tabarru’ funds reduce the need for qardh to achieve the required solvency level, while higher profitability enhances solvency. This research is expected to provide valuable insights and information for various stakeholders. It supports the development of policies and strategies to maintain solvency. For the insurance community, this study offers additional information to reinforce practices in accordance with Sharia principles, particularly concerning the financial health of Sharia life insurance, the insufficiency of tabarru’ funds, and the role of qardh in maintaining solvency.
PERANG SUKU BUNGA KPR DI INDONESIA: PENDEKATAN TEORI PERMAINAN Taurusianingsih, Dyah Nirmalawati
Jurnal Analisis Bisnis Ekonomi Vol 14 No 1 (2016)
Publisher : Universitas Muhammadiyah Magelang

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

Abstract

Penelitian ini mengembangkan model kompetisi di tingkat kredit properti di industy perbankan Indonesia, berdampak pada kebijakan makroprudensial Indonesia. Penelitian ini mengusulkan tiga skenario tingkat pinjaman model kompetis dan estimasi parameter. Hasil bertujuan untuk memberikan kontribusi untuk memahami persaingan harga (suku bunga kredit) di industri perbankan Indonesia pada pendekatan teori permainan, yang sebenarnya, ada lagi pesaing nonperbankan yang masuk ke pasar.