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All Journal Jurnal Abdi Insani Journal Economic and Strategy (JES) Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi Mathematical Journal of Modelling and Forecasting
Humairah, Reni
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Agriculture, Biological Sciences & Forestry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences

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Analisis Perbandingan Yield to Maturity, Harga, dan Durasi Antara Obligasi Korporasi dengan Obligasi Pemerintah Indonesia Egita Riyanti Supangadi; Sri Ulina Kaban; Amalya, Diska; Siti Munawaroh; Fauzan Adhipramana; Humairah, Reni
Anggaran : Jurnal Publikasi Ekonomi dan Akuntansi Vol. 3 No. 1 (2025): Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/anggaran.v3i1.1495

Abstract

The bond market in Indonesia continues to develop and become one of the investment instruments of interest, both by institutional and individual investors. This study aims to compare the characteristics of government bonds and corporate bonds based on several factors such as Yield to Maturity (YTM), bond prices, and duration (Macaulay and Modified Duration). The method used is comparative quantitative analysis with secondary data obtained from the website of Kustodian Sentral Efek Indonesia (KSEI). The results of the study indicate that government bonds have a lower risk with a YTM of 6%, a market price of IDR990,000.00, a macaulay duration of 1,903  years, and a modified duration of 1,82 years. In contrast, corporate bonds offer higher returns with a YTM of 12.14%, a market price of IDR980,000.00, a Macaulay duration of 1,847 years, and a modified duration of 1,77 years. Thus, this study is expected to provide insight for investors in adjusting investment choices based on risk profiles and financial goals.
Analisis Anuitas Biasa dan Anuitas Jatuh Tempo pada Kredit Motor Jenis Sporty/Fashion dengan Menggunakan Metode Bunga Flat dan Efektif Nicu Rahmat Adil; Danil Danil; Hafiz, Muhammad Al; Khoirun Laili Nur Amaliah; Akbar, Hadissyah; Humairah, Reni
Anggaran : Jurnal Publikasi Ekonomi dan Akuntansi Vol. 3 No. 3 (2025): September : Anggaran : Jurnal Publikasi Ekonomi dan Akuntansi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/anggaran.v3i3.1497

Abstract

One of the applications of annuities in society is a credit financial instrument. In the credit system there are many risks, so this study is to compare the installment system according to the fastest and longest sample periods in credit with the ordinary annuity method system and maturity, in addition this study aims to see the movement of installments using flat interest and effective interest. The calculation results for a loan of Rp 17,915,000, within 11 months with 24% interest show the largest total interest on the flat interest type of Rp3,941,300 and the smallest total interest on the annuity interest due of Rp1,825,879. Meanwhile, the calculation of the second sample with a loan of Rp17,915,000, within 35 months with an interest of 17.32% obtained the largest total interest on the flat interest type of Rp9,050,055, with the smallest total on the effective interest type of Rp4,339,610, but only slightly different from the total interest on the annuity due of Rp4,347,542. From these results, creditors are advised to choose a credit in a period of 11 months with an annuity due, because the interest paid is much smaller than the 35-month period.
Enhancing Oil Field Investment Decisions Using Spiral Dynamics Optimization Humairah, Reni; Afrizal, Aidil Adrianda; Kartika, Hanum
Mathematical Journal of Modelling and Forecasting Vol. 3 No. 1 (2025): June 2025
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/mjmf.v3i1.38

Abstract

Investment is an activity in the present to obtain profits in the future. One method of investment assessment is calculating Net Present Value (NPV) using Discounted Cash Flow (DCF). To determine the right time to carry out an investment in order to obtain maximum profits, it is necessary to determine a time limit for when the investment should be carried out or not. Then, the threshold curve (optimal implementation time limit) for the investment will first be determined. After obtaining the threshold curve for each investment option, the NPV value for each investment option will then be determined. The best investment choice is the one that provides the highest NPV value. The metaheuristic method is an effective optimization method for determining the optimal investment implementation time limit (threshold curve). One metaheuristic method for determining threshold curves is the Spiral Dynamics Optimization algorithm developed by Kenichi Tamura and Keiichiro Yasuda, a search algorithm inspired by phenomena in nature such as water speed, air pressure speed, Nautilus Shells, and spiral galaxy shapes. The results of this research are areas that are above the threshold curve, which can implement the project, while areas that are below the curve are not recommended for implementing the project.
PENINGKATAN KAPASISTAS GURU DALAM MENGIMPLEMENTASIKAN SOAL SKOLASTIK UTBK KEDALAM SOAL MATA PELAJARAN DI SMA NEGERI 1 BELINYU Prayanti, Baiq Desy Aniska; Kustiawan, Elyas; Sulistiana, Ineu; Dalimunthe, Desy Yuliana; Fahria, Izma; Amelia, Ririn; Humairah, Reni; Afrizal, Aidil Adrianda
Jurnal Abdi Insani Vol 11 No 4 (2024): Jurnal Abdi Insani
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/abdiinsani.v11i4.2125

Abstract

Since 2019, the Computer-Based Written Test (UTBK) has been used as a system for university entrance exams. The TPS (scholastic potential test) and Literacy Test are two slightly different test forms that have been utilized in UTBK from 2023. The sole public senior high school in the Belinyu subdistrict is SMA Negeri 1 Belinyu. Less than 30% of pupils get admitted to state colleges, according to data from 2023. Therefore, the purpose of this service is to tell the teachers of SMA Negeri 1 Belinyu about UTBK and to train them in creating subject questions for the Scholastic test at UTBK. The method of activity carried out in the form of a preparatory stage in the form of observation, theme determination, and partner preparation followed by the implementation stage in the form of preparation of UTBK material and scholastic tests, exposure and evaluation. According to the service's results, 95% of participants believe that their comprehension of UTBK scholastic questions is improving, and they are hopeful that students will find it simpler to handle UTBK questions if scholastic questions are applied to the subject matter. The purpose of this service project is to help the teachers at SMA Negeri 1 Belinyu better comprehend the UTBK academic questions that incoming college students would encounter.
Analisis Komparatif Efektivitas Pembiayaan Kredit Sepeda Motor Antara Dealer Konvensional Dan Bank Syariah Di Provinsi Kepulauan Bangka Belitung Humairah, Reni; Sekar Tanjung, Garist; Selviana, Nila
JOURNAL ECONOMICS AND STRATEGY Vol 6 No 2 (2025): Edisi Juli 2025 - Desember 2025
Publisher : Fakultas Ekonomi Dan Bisnis Universitas Tjut Nyak Dhien

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36490/jes.v6i2.2079

Abstract

Sepeda motor merupakan transportasi utama bagi masyarakat Indonesia. Hal itu menjadikan sepeda motor menjadi transportasi dengan permintaan tertinggi. Tingginya permintaan membuat masyarakat mencari skema kepemilikan yang terjangkau, salah satunya menggunakan pembiayaan kredit kendaraan bermotor. Ada 2 jenis pembiayaan yang biasanya dipakai yaitu lembaga konvensional dengan sistem bunga dan lembaga syariah dengan sistem akad. Penelitian ini menawarkan perspektif baru dengan membandingkan efektivitas pembiayaan kredit motor antara dealer dan bank syariah secara lokal di Provinsi Kepulauan Bangka Belitung, yang belum banyak dikaji sebelumnya, sehingga memberikan landasan empiris bagi pengembangan strategi pembiayaan yang lebih sesuai dengan karakteristik masyarakat daerah. Adapun tujuan dari penelitian ini untuk menganalisis serta membandingkan tingkat efektivitas pembayaran kredit sepeda motor antara PT. Nusantara Sakti yang mewakili sistem konvensional dan Bank Syariah Perekonomian Rakyat yang mewakili sistem syariah di Provinsi Kepulauan Bangka Belitung. Data yang digunakan adalah data sekunder berupa brosur dari kedua lembaga pada periode Mei 2025. Perhitungan dilakukan dengan menghitung total pembayaran, tingkat bunga efektif, dan juga margin keuntungan menggunakan Microsoft Excel dan R studio. Hasil penelitian menunjukkan bahwa pembayaran dengan BPRS lebih rendah dibandingkan NSS, dengan margin yang stabil dan transparan. Oleh karena itu skema pembiayaan BPRS lebih efektif dibandingkan NSS, terutama pada aspek total biaya dan stabilitas cicilan. Namun, penelitian ini memiliki keterbatasan pada pada ruang lingkup geografis yang terbatas dan periode pengamatan yang relatif singkat, sehingga diperlukan studi lanjutan dengan cakupan yang lebih luas untuk memperoleh generalisasi yang lebih kuat.
Co-Authors Afrizal, Aidil Adrianda Akbar, Hadissyah Amalya, Diska Amelia, Ririn Baiq Desy Aniska Prayanti Danil Danil Desy Yuliana Dalimunthe, Desy Yuliana Egita Riyanti Supangadi Fahria, Izma Fauzan Adhipramana Hafiz, Muhammad Al Ineu Sulistiana, Ineu Kartika, Hanum Khoirun Laili Nur Amaliah Kustiawan, Elyas Nicu Rahmat Adil Sekar Tanjung, Garist Selviana, Nila Siti Munawaroh Sri Ulina Kaban