Garuda - Garba Rujukan Digital

PENGARUH JUMLAH UANG BEREDAR, SUKU BUNGA DAN E-MONEY TERHADAP TINGKAT INFLASI DI INDONESIA Meutia, Rachmi; A. Rahmad Adi; Salsabila
Jurnal Ilmiah Basis Ekonomi dan Bisnis Vol. 2 No. 2 (2023): Jurnal Ilmiah Basic Ekonomi dan Bisnis
Publisher : Faculty of Islamic Economics and Business at Universitas Islam Negeri Ar-Raniry in Banda Aceh, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jibes.v2i2.3485

Kestabilan tingkat ekonomi dapat dilihat dari rendah dan stabilnya tingkat inflasi. Inflasi terjadi ketika nilai harga barang dan jasa naik secara terus menerus pada periode tertentu. Tujuan penelitian ini dilakukan untuk mengetahui seberapa besar pengaruh jumlah uang beredar, suku bunga dan e-money terhadap inflasi. Penelitian ini menggunakan data sekunder dalam bentuk runtut waktu (time series) dalam periode 2016-2021, yang bersumber dari BPS dan BI. Metode analisis data menggunakan Vector Error Correction Model (VECM). Hasil penelitian menunjukkan bahwa jumlah uang beredar dan suku bunga berpengaruh positif dan signifikan terhadap inflasi, namun e-money berpengaruh negatif dan tidak signifikan terhadap inflasi dalam jangka panjang, sementara pada jangka pendek menunjukkan bahwa jumlah uang beredar, suku bunga dan e-money berpengaruh negatif dan tidak signifikan terhadap inflasi. Hasil uji IRF menunjukkan jumlah uang beredar, suku bunga dan e-money memiliki respon positif terhadap inflasi. Lalu hasil uji VDC menyatakan variabel terbesar yang memengaruhi inflasi adalah suku bunga dan variabel terkecil yang memengaruhi inflasi adalah e-money, untuk menstabilkan tingkat inflasi pemerintah perlu memperhatikan kebijakan-kebijakan yang dapat memengaruhi inflasi agar tetap stabilInflasi, Jumlah Uang Beredar, Suku Bunga, E-money, VECM, IRF, VDC.

FACTORS INFLUENCING INTENTION TO DONATE AT THE MOSQUES USING QRIS IN BANDA ACEH Arifin, Muhammad; Meutia, Rachmi; Zakiiya, Ghulaman
Jihbiz: Global Journal of Islamic Banking and Finance Vol 7, No 1 (2025)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v7i1.28208

Charity is one form of generosity that plays an important role in helping those in need. With the advancement of technology, methods of collecting donations (Sadaqah) have also undergone transformation, one of which is through the use of QRIS (Quick Response Code Indonesian Standard). The use of QRIS in charity offers several advantages, such as convenience, transparency, efficiency, and security. Donors can make contributions quickly and practically by simply scanning a QR code using a digital payment application, without the need to carry cash or perform manual bank transfers. This study aims to examine the influence of financial literacy, perception of benefits and perception of ease on the interest in donating at mosques using QRIS among mosque congregants in Banda Aceh City (Study on Mesjid Raya Baiturrahman, Mesjid Oman Al-Makmur, and Mesjid Jamik Unsyiah). The research method used is quantitative with a multiple linear regression model. The primary data was obtained through questionnaires given to the congregants of these mosques. Partial test results show that these three variables; financial literacy, perception of benefits and perception of ease have positive influence on the interest in donating at the mosque using QRIS in Banda Aceh City. The findings offer insight that although QRIS can enhance mosque donations, it is crucial to address financial literacy and comprehension obstacles to optimize its efficacy for the donors.AbstrakSedekah merupakan salah satu bentuk kedermawanan yang memegang peranan penting dalam membantu mereka yang membutuhkan. Seiring dengan kemajuan teknologi, metode pengumpulan infak (sadaqah) pun mengalami transformasi, salah satunya melalui penggunaan QRIS (Quick Response Code Indonesian Standard). Penggunaan QRIS dalam bersedekah menawarkan beberapa keuntungan, seperti kemudahan, transparansi, efisiensi, dan keamanan. Para donatur dapat memberikan donasi secara cepat dan praktis hanya dengan memproses kode QR menggunakan aplikasi pembayaran digital, tanpa perlu membawa uang tunai atau melakukan transfer bank secara manual. Penelitian ini bertujuan untuk menguji pengaruh literasi keuangan, persepsi kemudahan, dan persepsi manfaat terhadap minat berdonasi di masjid menggunakan QRIS pada jamaah masjid di Kota Banda Aceh (Studi di Mesjid Raya Baiturrahman, Mesjid Oman Al-makmur, dan Mesjid Jamik Unyiah). Metode penelitian yang digunakan adalah kuantitatif dengan model regresi linier berganda. Hasil uji parsial menunjukkan bahwa ketiga variabel tersebut; Literasi keuangan, persepsi kemudahan, dan persepsi manfaat berpengaruh terhadap minat berdonasi di masjid menggunakan QRIS di Kota Banda Aceh. Hasil penelitian ini memberikan wawasan bahwa meskipun QRIS dapat meningkatkan donasi masjid, namun kendala literasi dan pemahaman keuangan perlu diatasi agar efektivitasnya dapat optimal bagi para donatur.

PENGARUH TINGKAT PENDIDIKAN, PENGANGGURAN DAN KEMISKINAN TERHADAP KRIMINALITAS DI PROVINSI ACEH Meutia, Rachmi; Amri, Khairul; Indah
Jurnal Ilmiah Basis Ekonomi dan Bisnis Vol. 3 No. 2 (2024): Jurnal Ilmiah Basic Ekonomi dan Bisnis
Publisher : Faculty of Islamic Economics and Business at Universitas Islam Negeri Ar-Raniry in Banda Aceh, Indonesia

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

The act of criminality is a violation of the relevant laws and norms, and it is strongly opposed by society. The objective of this study is to investigate the effect of education level, unemployment, and poverty on criminality in Aceh. This study employs a quantitative approach with panel data. The result shows that the fixed-effect model is the optimal one. The results of this study indicate that the level of education and poverty has a negative and significant effect on crime in Aceh Province, while unemployment has a positive and insignificant effect on crime in Aceh Province. This study highlights how crucial it is for Aceh Province to implement multifaceted policies and strategic measures to combat criminal activity by raising the standard of education in Aceh, which is focused on job skills and community-based economic empowerment to lower poverty.

Fintech Lending Adoption among Muslim Millinials in Southeast Asia Safira, Nabila; Inayatillah; Meutia, Rachmi; Kamri, Nor ‘Azzah; Yusof, Ku Abdulmuhaimin
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 7 No 1 (2025): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v7i1.11358

This article discusses how economic, social, and cultural factors simultaneously influence the interest in using online loans among the millennial Muslim generation in Banda Aceh. The purpose of this study is to determine the economic, social, and cultural factors simultaneously influencing the interest in using online loans among the millennial Muslim generation in Banda Aceh. The research method uses a quantitative research method. The data source used in this study is primary data. Data obtained from the first data source at the research location, both individuals and companies, obtained through filling out questionnaires or interviews. In the data collection technique, this study uses a questionnaire method. In this study, filling out the questionnaire in the form of questions that are given a value weight using a likert scale. The results of this study indicate that the economic factor variables (X1) and social factors (X2) have a positive and significant influence on the use of online loans among the millennial Muslim generation in Banda Aceh City, while the cultural factor variable shows that it has a negative and significant influence.

Does Financial Inclusion Affect Financial System Stability? Evidence from Indonesia Meutia, Rachmi; Billa, Salsa
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 1 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i1.388

Financial system stability represents a fundamental component of the economy, as it facilitates the efficient functioning of financial transactions. It is argued that the financial inclusion tends to enhance the financial stability. This study aims to investigate the effect of financial inclusion variables through fintech integration specifically Peer-to-Peer (P2P) lending, E-Money, and Interest Rates on Financial System Stability (FSS) in Indonesia, with the Non-Performing Loan (NPL) ratio serving as a proxy. The analysis uses the Vector Error Correction Model (VECM) with monthly time series data from 2018-2023. The results of this study show that only the E-Money variable has a significant influence on Financial System Stability, both in the short term and the long term. In contrast, Peer-to-Peer lending and Interest Rates do not significantly affect Financial System Stability in either the short or long term. This study emphasizes the need for policymakers undertake comprehensive and well-considered policy measures in advance of implementing financial inclusion-oriented initiatives. It is recommended that financial institutions strengthen the supervision of peer-to-peer (P2P) lending activities to mitigate the risk of default. Furthermore, enhancing public awareness of the advantages of cashless transactions is essential to promote the adoption of non-cash payment instruments.

The Influence of Digial Payment Quick Response Code Indonesian Standard (QRIS) and Lifestyle on Consumptive Behaviour of Students in Banda Aceh Arifin, Muhammad; Meutia, Rachmi; Salsabila, Cut Sarah Athiyah
AT-TASYRI': JURNAL ILMIAH PRODI MUAMALAH Vol. 17 No. 1 (2025): At-Tasyri': Jurnal Ilmiah Prodi Muamalah
Publisher : Prodi Hukum Ekonomi Syariah STAIN Teungku Dirundeng Meulaboh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47498/tasyri.v17i1.4697

The use of digital payment QRIS can influence individual's purchasing decisions and even lead to consumptive behavior due to the ease and convenience of daily transactions. Additionally, lifestyle is also a factor that can affect consumptive behavior, especially when in a high-living environment. This study aims to determine the impact of QRIS usage and lifestyle on the consumptive behavior of students in Banda Aceh. This research is quantitative, involving 100 student respondents in Banda Aceh. The results indicate that QRIS does not significantly affect the consumptive behavior, while the lifestyle variable has a positive and significant impact on the consumptive behavior of students in Banda Aceh. Although digital payment QRIS provides ease and practicality for transactions, student’s purchasing behavior in Banda Aceh remains manageable and does not lead to excessive consumption. In contrast, the lifestyle of students in Banda Aceh has a strong influence on how they manage their spending and consumption, leading to consumptive behavior among these students.

Analisis Manajemen Risiko Pada Pembiayaan Kepemilikan Rumah (PKR) Sejahtera pada Bank Aceh Syariah Sari, Nilam; Meutia, Rachmi; Julita , Julita
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 9 No. 1 (2022)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v9i1.4507

Tujuan utama penulisan artikel ini ialah untuk menganalisis manajemen risiko pada Pembiayaan Kepemilikan Rumah (PKR) Sejahtera pada PT. Bank Aceh Syariah Kantor Cabang Banda Aceh. Adapun metode yang digunakan dalam penulisan artikel ini yaitu kualitatif deskriptif. Untuk dapat memperoleh pembiayaan PKR Sejahtera, calon nasabah harus memenuhi ketentuan umum, serta melengkapi syarat-syarat yang menjadi ketentuan PT. Bank Aceh Syariah Kantor Cabang Banda Aceh. Manajemen risiko yang diterapkan pada PKR Sejahtera antara lain: 1. identifikasi risiko, seperti risiko yang dapat diidentifikasi dari PKR Sejahtera ialah nasabah membatalkan akad jual beli rumah, nasabah melakukan manipulasi terhadap informasi data penghasilan, nasabah memanipulasi harga objek barang dan lain sebagainya namun sampai saat ini belum terjadi risiko yang demikian karena Bank Aceh memperhatikan dokumen penting terkait keaslian data nasabah. 2. Pengukuran risiko, dalam mengukur risiko PKR, bank menerapkan 5 prinsip yaitu sebagai berikut: character (jujur, tanggung jawab, dan lainnya), capacity (dilihat dari aspek kemampuan nasabah dalam membayarkan kewajibannya), capital (modal yang dimiliki oleh nasabah), collateral (jaminan pada PKR Sejahtera yaitu rumah yang diberikan oleh bank kepada nasabah) dan conditional (kondisi keberlangsungan usaha nasabah harus secara konsisten bukan usaha musiman) 3. Pemantauan Risiko, Bank Aceh mengukur level risiko itu sendiri dengan kriteria rendah yaitu apabila nasabah tidak melunasi kewajibannya 1-2 bulan , sedang yaitu nasabah tidak membayar 1 hingga 5 bulan dan tinggi yaitu apabila nasabah tidak mampu membayarkan kewajibannya lebih dari 6 bulan ke atas. 4. Pengendalian Risiko, langkah terakhir ini dilakukan untuk mengendalikan risiko berdasarkan tingkat kolektibilitas bank, dimulai dari kolektibilitas 1 s/d 5, apabila telah sampai pada kolektibilitas 5 maka bank berhak melakukan eksekusi terhadap barang jaminan yaitu penyitaan rumah yang telah diberikan kepada nasabah.

FACTORS INFLUENCING INTENTION TO DONATE AT THE MOSQUES USING QRIS IN BANDA ACEH Arifin, Muhammad; Meutia, Rachmi; Zakiiya, Ghulaman
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 7 No. 1 (2025)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v7i1.28208

Charity is one form of generosity that plays an important role in helping those in need. With the advancement of technology, methods of collecting donations (Sadaqah) have also undergone transformation, one of which is through the use of QRIS (Quick Response Code Indonesian Standard). The use of QRIS in charity offers several advantages, such as convenience, transparency, efficiency, and security. Donors can make contributions quickly and practically by simply scanning a QR code using a digital payment application, without the need to carry cash or perform manual bank transfers. This study aims to examine the influence of financial literacy, perception of benefits and perception of ease on the interest in donating at mosques using QRIS among mosque congregants in Banda Aceh City (Study on Mesjid Raya Baiturrahman, Mesjid Oman Al-Makmur, and Mesjid Jamik Unsyiah). The research method used is quantitative with a multiple linear regression model. The primary data was obtained through questionnaires given to the congregants of these mosques. Partial test results show that these three variables; financial literacy, perception of benefits and perception of ease have positive influence on the interest in donating at the mosque using QRIS in Banda Aceh City. The findings offer insight that although QRIS can enhance mosque donations, it is crucial to address financial literacy and comprehension obstacles to optimize its efficacy for the donors.AbstrakSedekah merupakan salah satu bentuk kedermawanan yang memegang peranan penting dalam membantu mereka yang membutuhkan. Seiring dengan kemajuan teknologi, metode pengumpulan infak (sadaqah) pun mengalami transformasi, salah satunya melalui penggunaan QRIS (Quick Response Code Indonesian Standard). Penggunaan QRIS dalam bersedekah menawarkan beberapa keuntungan, seperti kemudahan, transparansi, efisiensi, dan keamanan. Para donatur dapat memberikan donasi secara cepat dan praktis hanya dengan memproses kode QR menggunakan aplikasi pembayaran digital, tanpa perlu membawa uang tunai atau melakukan transfer bank secara manual. Penelitian ini bertujuan untuk menguji pengaruh literasi keuangan, persepsi kemudahan, dan persepsi manfaat terhadap minat berdonasi di masjid menggunakan QRIS pada jamaah masjid di Kota Banda Aceh (Studi di Mesjid Raya Baiturrahman, Mesjid Oman Al-makmur, dan Mesjid Jamik Unyiah). Metode penelitian yang digunakan adalah kuantitatif dengan model regresi linier berganda. Hasil uji parsial menunjukkan bahwa ketiga variabel tersebut; Literasi keuangan, persepsi kemudahan, dan persepsi manfaat berpengaruh terhadap minat berdonasi di masjid menggunakan QRIS di Kota Banda Aceh. Hasil penelitian ini memberikan wawasan bahwa meskipun QRIS dapat meningkatkan donasi masjid, namun kendala literasi dan pemahaman keuangan perlu diatasi agar efektivitasnya dapat optimal bagi para donatur.

Does Financial Inclusion Affect Financial System Stability? Evidence from Indonesia Meutia, Rachmi; Billa, Salsa
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 1 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i1.388

Financial system stability represents a fundamental component of the economy, as it facilitates the efficient functioning of financial transactions. It is argued that the financial inclusion tends to enhance the financial stability. This study aims to investigate the effect of financial inclusion variables through fintech integration specifically Peer-to-Peer (P2P) lending, E-Money, and Interest Rates on Financial System Stability (FSS) in Indonesia, with the Non-Performing Loan (NPL) ratio serving as a proxy. The analysis uses the Vector Error Correction Model (VECM) with monthly time series data from 2018-2023. The results of this study show that only the E-Money variable has a significant influence on Financial System Stability, both in the short term and the long term. In contrast, Peer-to-Peer lending and Interest Rates do not significantly affect Financial System Stability in either the short or long term. This study emphasizes the need for policymakers undertake comprehensive and well-considered policy measures in advance of implementing financial inclusion-oriented initiatives. It is recommended that financial institutions strengthen the supervision of peer-to-peer (P2P) lending activities to mitigate the risk of default. Furthermore, enhancing public awareness of the advantages of cashless transactions is essential to promote the adoption of non-cash payment instruments.

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