Article Per Year (5 Year)
p-Index From 2021 - 2026
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This Author published in this journals
All Journal Airlangga Journal of Innovation Management Journal of Finance and Islamic Banking
Jihan Nabila Zahara
Universitas Muhammadiyah Ponorogo
Religion Economics, Econometrics & Finance Social Sciences

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Confirming the Receipts of International Tourism in Indonesia after the COVID-19 Pandemic: Analyzed with Macroeconomic Indicators Asma Munifatussaidah; Jihan Nabila Zahara; Siti Zubaidah
Airlangga Journal of Innovation Management Vol. 4 No. 2 (2023): Airlangga Journal of Innovation Management
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ajim.v4i2.48535

Abstract

This study aims to analyze International Tourism Receipts in Indonesia with the variables of International Trade, Inflation, and Exchange Rates during and after the COVID-19 pandemic. The analysis technique used to answer the problem is regression analysis using the Ordinary Least Squares (OLS) method. This type of research data uses secondary data obtained from the World Bank, Central Statistics Agency, and Bank Indonesia during the 2002-2022 period. The results of research analysis show that 1) the International Trade variable has a significant negative effect on International Tourism Receipts in Indonesia during and after the COVID-19 pandemic. The stability of international trade fluctuates, tends to decrease, but after the COVID-19 pandemic and the relaxation of social distancing policies, there has been an increase in international tourism. 2) The Inflation variable has a significant negative effect on International Tourism Receipts in Indonesia. A higher inflation rate increases living and travel costs, then reduces tourist interest. 3) The exchange rate variable has a significant and positive effect toward international tourism receipts. The increase of dollar exchange rate against the rupiah, will increase tourist interest in Indonesia. The implications of the results of this research are important for stakeholders and tourism sector companies so that they can continuously increase International Tourism Receipts in Indonesia through keeping macroeconomic indicators consisting of International Trade, Inflation and Exchange in Indonesia.
Cognitive and Affective Determinants of Financial Health: The Role of Emotion Regulation and Islamic Financial Literacy Jihan Nabila Zahara; Afitria Rizkiana; Cindy Dewi Yani; Wahyudi Setiawan; Isna Fidiyaningsing
Journal of Finance and Islamic Banking Vol. 9 No. 1 (2026)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v9i1.13166

Abstract

Purpose: This study aims to analyze the influence of emotion regulation and Islamic financial literacy on the financial health of employees working in Islamic financial institutions in Ponorogo. Method: This study employed a quantitative explanatory approach. Data were collected through a Likert-scale questionnaire distributed to 110 respondents selected using purposive sampling. The data were analyzed using multiple linear regression with SPSS version 26 to empirically examine the relationship between the variables. Results: The findings reveal that emotion regulation has a positive and significant effect on financial health, with a significance value of 0.000 < 0.05. This indicates that individuals with better emotional control tend to have healthier financial conditions. Islamic financial literacy also has a positive and significant effect on financial health, with a significance value of 0.005 < 0.05. This suggests that a stronger understanding of Islamic financial principles contributes to better personal financial management. Implication: Theoretically, this study contributes to the development of Islamic financial behavior literature by adopting the Cognitive–Affective Theory of Behavior as the main analytical framework. This framework integrates cognitive and affective dimensions in explaining individual financial health. Originality: The originality of this study lies in its integrative model of financial behavior based on Islamic values, which positions emotion regulation and Islamic financial literacy as key determinants of the financial health of employees in Islamic financial institutions.
Co-Authors Afitria Rizkiana Asma Munifatussaidah Cindy Dewi Yani Isna Fidiyaningsing Siti Zubaidah Wahyudi Setiawan