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All Journal SENTRALISASI Jurnal Ekonomi Syariah
Muhammad Raihan Rafli
Universitas Lambung Mangkurat
Economics, Econometrics & Finance

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ANALISIS TINGKAT SUKU BUNGA (BI RATE) TERHADAP INFLASI DI INDONESIA TAHUN 2018-2022: MENGGUNAKAN EVIEWS 12 Nurhafiyanisa; Lisda Aisyah; Muhammad Raihan Rafli
Al-Ujrah | Jurnal Ekonomi Syariah Vol. 1 No. 02 (2023): Al - Ujrah | Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAI Darul Ulum Kandangan

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Abstract

Thisdresearch isdmotivated bydchanges in the rate or level of inflation, especially in Indonesia, with various influencing factors. Inflation itself cannot be left unchecked, it must be controlled with several instruments and policies to keep inflation stable. The purposedof thisdstudy is toddeterminedthedeffectdofdinterest rates (BI Rate) on inflation in Indonesia. By using interestdrate data (BI Rate) published by the Bank Indonesia website, and inflation data obtained from the Central Bureau of Statistics website. The data is taken from 2018-2022. Using quantitative methods with time series data with the analysisdtechnique used isdsimple linear regression analysis withdthe help of the Eviews 12 program. The resultsdshoweddthat partially, the interestdrate variable (BI Rate) had nodeffect but was significant to Inflation, namely the probability value obtained was 0.7321> 0.05.
Effects of Financial Literacy, Financial Attitude, and Personality on Financial Management Practices Novika Alfiriana; Asrid Juniar; Muhammad Raihan Rafli
SENTRALISASI Vol. 14 No. 3 (2025): September
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v14i3.4533

Abstract

The purpose of this study is to investigate the effects of financial knowledge, financial attitudes, and personality on financial management behavior, with self-control serving as a mediating variable. The research focuses on employees of PT Bank KB Bukopin Banjarmasin, particularly in the context of post-merger performance challenges. This study seeks to fill the gap in previous research by integrating cognitive and psychological factors within a formal organizational setting. Using a quantitative explanatory approach, data were collected through a census of 75 permanent employees with a minimum of three years of service. The data were analyzed using Partial Least Squares Structural Equation Modeling to assess both direct and indirect effects among the variables. The findings indicate that FK, FA, personality, and SC significantly influence FMB. Notably, personality has the strongest effect on SC, while FK shows the most substantial direct influence on FMB. The model explains 50.8% of the variance in FMB, confirming SC as a key mediating variable. These results reinforce the Theory of Planned Behavior and suggest that improving financial literacy, fostering positive attitudes, and enhancing self-control are essential strategies for strengthening financial behavior among employees in banking institutions. 
Co-Authors Asrid Juniar Lisda Aisyah Novika Alfiriana Nurhafiyanisa