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All Journal Jurnal Keuangan dan Perbankan Jurnal Ilmiah Mahasiswa FEB JAM : Jurnal Aplikasi Manajemen Journal of Indonesian Applied Economics International Journal of Local Economic Governance The International Journal of Accounting and Business Society Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan Jurnal Ilmu Ekonomi dan Pembangunan Journal of Information Technology and Computer Science Journal of Innovation in Business and Economics J-Dinamika: Jurnal Pengabdian Kepada Masyarakat Journal of Economics and Business Aseanomics Jurnal Pengabdian kepada Masyarakat Nusantara International Journal of Community Service International Journal of Accounting & Finance in Asia Pasific Journal of International Conference Proceedings Contemporary Studies in Economic, Finance and Banking (CSEFB)
Ghozali Maski
Fakultas Ekonomi Dan Bisnis Universitas Brawijaya
Religion Humanities Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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RELASI KONSTITUSI DENGAN USAHA TANI IKAN, SAYUR, TELUR ORGANIK DAN NON-ORGANIK GUNA MENDUKUNG EKONOMI MASYARAKAT DAN WILAYAH ( STUDI KASUS DI KECAMATAN BANTUR KABUPATEN MALANG ) Sri Muljaningsih; Ghozali Maski; Devanto Shasta Pratomo
Journal of Indonesian Applied Economics Vol. 5 No. 1 (2011)
Publisher : Department of Economics, Faculty of Economics and Business, Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (895.046 KB) | DOI: 10.21776/ub.JIAE.005.01.8

Abstract

Agribusiness is still the pillar for farmers’ economy in Indonesia who, mostly, workfor agricultural sector. This also applies in regional economy in which agriculturalsector is the primary sector that becomes the basis for economy and gives sufficientcontribution  to  the  regional economic development. However,  the  condition of  thefarmers’  economy  has  so  far  shown  no  significant  development. The Constitution(UUD 1945) regulates national economy that embraces any fields, including the sus-tainable and environment-oriented agriculture, aiming at society’s prosperity in botheconomy and health. The research shows that there is no difference on benefit betweenorganic and non-organic agribusiness on fish, vegetable, eggs. Thus agribusiness isbetter developed  conforming  to  the Constitution  that  signals  environment-orientedagriculture.Keywords: agribusiness, constitution, economic basis, environment-oriented.
ANALISIS KEPUTUSAN NASABAH MENABUNG: PENDEKATAN KOMPONEN DAN MODEL LOGISTIK STUDI PADA BANK SYARIAH DI MALANG Ghozali Maski
Journal of Indonesian Applied Economics Vol. 4 No. 1 (2010)
Publisher : Department of Economics, Faculty of Economics and Business, Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (291.921 KB) | DOI: 10.21776/ub.JIAE.004.01.5

Abstract

The aim of this research is to analyze the Islamic banking customer preferences in Malang City. Using logistic estimation, this research found that customer decision to  choose  Islamic  banking  are  influenced  by  variable  of  Islamic  banking characteristic,  services  and  trust  variable,  knowledge    variable, and  physical  of bank variable. In addition, according to logistic regression coefficient, services and trust variable have  the  largest beta coefficient which  indicated  that  variable had dominance  variable  in  influencing  customer  preferences  to  save  their money  in Islamic banking.Keywords: Customer preferences, islamic banking, component and logistic model
Public Spending and Financial Inclusion and Their Impact on Inclusive Growth In Indonesia: A Spatial Approach Della Hardyati Prabowo; Ghozali Maski; Dwi Budi Santoso
MediaTrend Vol 18, No 1 (2023): MARET
Publisher : Trunojoyo University of Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/mediatrend.v18i1.14747

Abstract

Inclusive growth results in equal access to the benefits of growth and, by that, reduces disparities. Public spending plays an important role in supporting economic growth and people's welfare. On the other hand, financial inclusion has the ability to expand opportunities to participate in growth. Using data on government spending and financial inclusion in 34 provinces in Indonesia in 2015-2019, this study aims to examine the link between the two towards inclusive growth. As a result, spending on education and financial inclusion, as well as investment and trade openness, can promote inclusive growth. Expanding access to education as a result of public investment in education will boost labor capacity and productivity. Meanwhile, access to more affordable credit will be realized through an inclusive financial system. Conversely, due to health development gaps, health spending has a negative impact on inclusive growth. The spatial error model with queen contiguity spatial weight matrix shows a significant spatial effect on the error term or residual. The implication is that policies for expanding education, health, and digital access as well as increasing investment and financial literacy need to be carried out to ensure people's affordability to economic opportunities by considering regional aspects.
Analysis of multidimensional poverty dynamics in Indonesia: The effect of demographic and institutional factors Esha Najitama; Ghozali Maski; Asfi Manzilati
Journal of Innovation in Business and Economics Vol. 4 No. 02 (2020): Journal of Innovation in Business and Economics
Publisher : Faculty of Economics and Business, University of Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jibe.v4i02.15630

Abstract

Measuring poverty only from a monetary perspective is lacking. Given the variety of human needs, poverty needs to be measured multidimensionally. Hence, this study analyzes multidimensional poverty dynamics and identifies its determinants from the demographic and institutional factors. Using the Multidimensional Poverty Index (MPI) and data from the two survey periods of the Indonesia Family Life Survey (IFLS), it is known that multidimensional poverty tends to be transient rather than chronic. The highest education level of the head of the household, the level of dependency, the island of residence, the village political system, and the village government's corruption affect both chronic and transient poverty categories. The marital status of household heads, household size, and customary norms only affected the chronic poor category
Bimbingan Teknis Perhitungan HPP (Harga Pokok Produksi) dan Harga Jual UMKM di Kecamatan Pakis Kabupaten Malang Jawa Timur vietha devia; Ghozali Maski
J-Dinamika : Jurnal Pengabdian Masyarakat Vol 8 No 2 (2023): Agustus
Publisher : Politeknik Negeri Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25047/j-dinamika.v8i2.3613

Abstract

UMKM di Indonesia memiliki jumlah yang banyak dan tersebar di seluruh daerah. Berdasarkan survei, jumlah UMKM UB Tahun 2022 di Kecamatan Pakis Kabupaten Malang sudah tercatat 36 yang beroperasi. Dengan rincian terdapat 21 UMKM yang bergerak dibidang makanan/minuman, 9 UMKM bergerak dibidang kerajinan, 6 UMKM bergerak dibidang tekstil. Permasalahan yang sering dihadapi oleh UMKM di Kecamatan Pakis ini adalah dalam proses pencatatan keuangan. Oleh karena itu, pengabdian kepada masyarakat khususnya Kepada para pelaku UMKM kali ini hadir dalam bentuk pelatihan tentang pentingnya manajemen keuangan, proses perhitungan harga pokok produksi, dan Proses perencanaan modal kerja. Pelatihan ini nyatanya mampu membuka wawasan UMKM tentang proses pengkategorian biaya hingga menentukan harga pokok produksi guna menentukan harga jual dan merencanakan modal kerja yang cukup untuk semua proses produksi. Perubahan positif yang terjadi setelah mengikuti pelatihan ini adalah para pelaku UMKM dapat menghitung .
Unveiling the Power of Adaptive InformationTechnology: A Catalyst for Elevating SME Performance in Indonesia – A Case Study in Malang City Maski, Ghozali; Kresna Sakti, Rachmad; Kormitasari, Yenny; Rahmawati, Amalia; Duyufur Rohman, Ghifary
International Journal Of Community Service Vol. 4 No. 2 (2024): May 2024 (Indonesia - Ethiopia )
Publisher : CV. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51601/ijcs.v4i2.263

Abstract

This research seeks to comprehend the impact of information technology (IT) utilization on the performance of Small and Medium Enterprises (SMEs) in Malang. The study investigates the perceptions of SMEs stakeholders through a survey involving 90 SMEs respondents in Malang. Employing a questionnaire and utilizing the Partial Least Squares Structural Equation Modeling (PLS-SEM) method for data analysis, the research reveals positive and significant outcomes for latent variables such as performance expectations, business expectations, social influence, hedonic motivation, and habits concerning SMEs behavior in adopting information technology, based on the Unified Theory of Acceptance and Use of Technology (UTAUT 2). However, the latent variable of price value does not exert a significant influence on SMEs behavioral interest in adopting information technology. Additionally, SMEs behavioral interest positively and significantly influences their usage behavior in utilizing information technology, and the subsequent usage behavior has a positive and significant effect on SME performance.
The Implementation of Green Finance and Its Effectiveness Towards Banking Performance As Intermediaries Institution Alessandro, Andreas; Maski, Ghozali; Pangestuty, Farah Wulandari
Journal of International Conference Proceedings Vol 6, No 1 (2023): 2023 ICPM Malang Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v6i1.2385

Abstract

The concept of sustainability arose in response to climate change during industrialization in the 18th century and has gained importance amid the Covid pandemic as nations aim for resilience. Indonesia, like other countries, needs a strong financial policy that integrates sustainability criteria. Banks, as trusted intermediaries, play a vital role in promoting ethical business practices and can contribute through initiatives like the SRI KEHATI index, which identifies environmentally friendly issuers based on ESG standards.  The study analyzes the relationship between ESG-adjusted dividends and financial performance of four major Indonesian banks (KBMI) from 2011 to 2021, using panel data analysis. The findings indicate a negative relationship between adjusted dividends and return on assets (ROA), with similar patterns observed for ESG, environmental, and governance factors. However, the negative correlation is less prominent for the social factor. Conversely, adjusted dividends show a positive connection with ESG scores and the environmental, social, and governance factors independently.
Analysis of Leading Sectors and Components of the Expenditure Side that Affect Economic Growth in the Province of South Sulawesi Amri, Muh Arif; Maski, Ghozali; Pangestuty, Farah Wulandari
Journal of International Conference Proceedings Vol 6, No 1 (2023): 2023 ICPM Malang Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v6i1.2302

Abstract

Resources typically support economic growth, but not all regions possess the same potential resources. The first objective of this study is to test and analyze the potential of leading sectors and shifting leading sectors in South Sulawesi Province. Second, to determine which expenditure-side components—household consumption, government consumption, investment, exports, and imports—influence South Sulawesi Province's economic growth. This study relies on secondary data that includes information on the Gross Regional Domestic Product of South Sulawesi Province and the same information for the entire nation from 2002 to 2021. This study makes use of the Location Quotient, Shift-Share, and Growth Ratio as analytical tools; while data panel regression is used to look at the factors that affect GRDP. Agriculture, construction, trade, and the services sector are the most important industries in South Sulawesi Province, according to the analysis's findings. While only partially the investment and household consumption variable has a significant impact on South Sulawesi's economic growth, simultaneously household consumption, government consumption, investment, exports, and imports all have a significant impact on economic growth.
Analysis of Electricity Consumption Behaviour: Case Study of Non Business and Business Household in Malang City Karisma, Kautsari Anggun; Maski, Ghozali; Noor, Iswan
International Journal of Social and Local Economic Governance Vol. 2 No. 2 (2016)
Publisher : Institute of Research and Community Service, University of Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.ijleg.2016.002.02.8

Abstract

This study aimed to (1) analyze the characteristic of the households affecting energy consumption of household electricity, that was conducted in city of Malang by analyzing the probability of each factors affecting like income, location, price of electricity (tariff), size of houses, size members household, voltages, home appliances, type of business, the bill of payment of consumption demand electricity of non-business household and business household (2) analyze the differences characteristic in consumption of non-business household than business household in Malang. (3) analyze the most effected or dominant factor to influence consumption electricity of non-business household and business household in Malang City. The results show that in Malang, according to the simultan determine income, location, size of houses, size members household, voltages, home appliances, type of business, ability to pay of demand had a significant and positive affect on the consumption electricity of non-business household and business household. But according to partial determine the effected significant factors of electricity consumption of non-business household are members, voltage and the pay of payment and according to partial determine the effected significant factors of electricity consumption of private household are price of electricity (tariff), voltage and the bill of payment and type of business household industries. The characteristic consumption patterns electricity of non-business household is contrastly different from business household. The most effected or dominant factor to influence consumption electricity of non-business household and business household in Malang City is the ability to pay the bill electricity of household of month.Keywords: Consumption behaviour, Members of household, Voltages, The bill of payment, Type of business, Electricity, Household This study aimed to (1) analyze the characteristic of the households affecting energy consumption of household electricity, that was conducted in city of Malang by analyzing the probability of each factors affecting like income, location, price of electricity (tariff), size of houses, size members household, voltages, home appliances, type of business, the bill of payment of consumption demand electricity of non-business household and business household (2) analyze the differences characteristic in consumption of non-business household than business household in Malang. (3) analyze the most effected or dominant factor to influence consumption electricity of non-business household and business household in Malang City. The results show that in Malang, according to the simultan determine income, location, size of houses, size members household, voltages, home appliances, type of business, ability to pay of demand had a significant and positive affect on the consumption electricity of non-business household and business household. But according to partial determine the effected significant factors of electricity consumption of non-business household are members, voltage and the pay of payment and according to partial determine the effected significant factors of electricity consumption of private household are price of electricity (tariff), voltage and the bill of payment and type of business household industries. The characteristic consumption patterns electricity of non-business household is contrastly different from business household. The most effected or dominant factor to influence consumption electricity of non-business household and business household in Malang City is the ability to pay the bill electricity of household of month.Keywords: Consumption behaviour, Members of household, Voltages, The bill of payment, Type of business, Electricity, Household 
Analisis Cost Efficiency Bank Umum di Indonesia Selama Pandemi Covid-19 Periode 2020-2022 Putri, Habibatuz Akbaricha; Maski, Ghozali
Journal of Economics and Business Aseanomics Vol. 8 No. 2 (2023): JULI - DESEMBER 2023
Publisher : Universitas YARSI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33476/jeba.v8i2.3920

Abstract

The condition of the Covid-19 pandemic had an impact on the banking sector which caused a decline in bank performance in 2020 as indicated by a decrease in ROA of 35.63%, an increase in BOPO of 9.06%, and an increase in NPL of 20.95% (yoy). This study aims to estimate banking cost efficiency during economic conditions during the Covid-19 pandemic for the period 2020 – 2022. The sample of this study was 40 bank companies listed on the Indonesia Stock Exchange during the study period. The research method used is stochastic frontier analysis (SFA) to estimate the cost efficiency of a bank and principal component regression to estimate the determinant of a bank’s cost efficiency. It was found that the average cost efficiency of banks in Indonesia has increased every year by 0.720925 in 2020, 0.773875 in 2021 and 0.818744 in 2022 respectively. The factors that affects cost efficiency is NPL and LDR are significantly negative effect on cost efficiency, while ROA was significanly positive effect on cost efficiency. Based on the research results, it is hoped that banks can make adjustments to credit allowance reserves, streamline the number of human resources in collecting and recovery units related to credit management, and maximize the bank’s intermediation function.
Co-Authors Agustina Lastri Pangulu Alessandro, Andreas Amalia Rahmawati Amri, Muh Arif Arinda, Nila Asfi Manzilati Aulia Fuad Rahman Azriana, Fariza Hanum Bambang Subroto Beny Hendrawan Wahyuaji Berto Muharman Della Hardyati Prabowo Devanto Shasta Pratomo Devia SS, Vietha Dona Nove Lasmarohana Duyufur Rohman, Ghifary Dwi Budi Santoso Dyan Ari Iswanto Edvandry, Mohammad Reynaldy Amareza Eki Syafruddin Esha Najitama Farah Wulandari Pangestuty Ferry Prasetyia Galih Pratama Putra Halim Burhani Harafah, Wa Ode Uswatun Miladina Putri Herania, Elisabeth Irsyad Sirajuddin Bintar Madya Iswan Noor Karisma, Kautsari Anggun Karyadi, Hari Khusnul Ashar Kormitasari, Yenny Kresna Sakti, Rachmad Mochamad Fajar Hidayat Nur Shomita Hidayati Nurul Badriyah Oktanisa, Irvi Pinem, Angie Aurea Gustika Putri, Habibatuz Akbaricha Ramadhani, Novilia Regina Mayo Sofa, Rulia Sri Muljaningsih Umi Salamah Vietha Devia Wayan Firdaus Mahmudy Widarto, Farah Ashila Oktavianda Wijaya, Anorti Ika Wulandari Pangestuty, Farah Yogi Pasca Pratama, Yogi Pasca