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All Journal Jurnal Ilmiah Wahana Pendidikan Journal of Education Technology Information Social Sciences and Health Balance: Jurnal Ekonomi
Sari, Yolanda Novita
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Religion Computer Science & IT Economics, Econometrics & Finance Education Neuroscience Nursing Public Health Social Sciences Other

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Analisis Pengaruh Inflasi dan Tingkat Pengangguran Terhadap Pertumbuhan Ekonomi di Sumatera Utara Pada Tahun 2005–2022 Sitanggang, Novita Hotma Uli; Febrianti, Gita; Rambe, Rolil; Sari, Yolanda Novita; Ginting, Hilkia Natasya; Silaban, Putri Sari Margaret Julianty
Journal of Education Technology Information Social Sciences and Health Vol 4, No 1 (2025): March 2025
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/jetish.v4i1.4306

Abstract

Penelitian ini berfokus pada analisis pengaruh inflasi dan tingkat pengangguran terhadap pertumbuhan ekonomi di Sumatera Utara selama periode 2005 hingga 2022. Inflasi dan pengangguran merupakan dua variabel makroekonomi yang memiliki dampak signifikan terhadap dinamika perekonomian suatu daerah. Penelitian ini bertujuan untuk mengidentifikasi sejauh mana inflasi dan tingkat pengangguran mempengaruhi pertumbuhan ekonomi, serta untuk memberikan rekomendasi kebijakan yang dapat diterapkan untuk meningkatkan kondisi ekonomi di Sumatera Utara.Hasil penelitian menunjukkan bahwa inflasi memiliki pengaruh positif yang signifikan terhadap pertumbuhan ekonomi di Sumatera Utara. Hal ini menunjukkan bahwa dalam konteks tertentu, inflasi dapat mendorong pertumbuhan ekonomi dengan meningkatkan daya beli masyarakat dan mendorong investasi. Di sisi lain, tingkat pengangguran memiliki pengaruh negatif yang signifikan terhadap pertumbuhan ekonomi. Semakin tinggi tingkat pengangguran, semakin rendah laju pertumbuhan ekonomi, yang mengindikasikan bahwa tingginya angka pengangguran dapat menghambat penciptaan lapangan kerja dan mengurangi daya beli masyarakat.Koefisien determinasi (R²) yang diperoleh dari analisis menunjukkan bahwa variasi pertumbuhan ekonomi dapat dijelaskan oleh variabel inflasi dan tingkat pengangguran sebesar 67,8%. Ini menunjukkan bahwa ada faktor lain di luar kedua variabel tersebut yang juga mempengaruhi pertumbuhan ekonomi di Sumatera Utara.
Etika Kecerdasan Buatan Dalam Pengambilan Keputusan Bisnis: Implikasi Terhadap Keadilan Dan Transparansi Studi Kasus: Kurangnya Transparansi Di Sektor Fintech (Kasus Kredit Skor Di As) Saragih, Elisa Clara; Febrianti, Gita; Sirait, Melani Manginar; Sari, Yolanda Novita; Alawiyah, Khairani
Jurnal Ilmiah Wahana Pendidikan Vol 11 No 7.A (2025): Jurnal Ilmiah Wahana Pendidikan 
Publisher : Peneliti.net

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Abstract

Sektor fintech telah melihat adopsi kecerdasan buatan (AI) mengubah cara pengambilan keputusan, terutama dalam hal proses penilaian kredit yang lebih cepat dan berbasis data. Namun, ada masalah etika yang terkait dengan penggunaan AI, terutama yang berkaitan dengan transparansi dan keadilan dalam proses pengambilan keputusan. Artikel ini membahas bagaimana penggunaan AI dalam sistem kredit sektor fintech, terutama di Amerika Serikat, mempengaruhi transparansi dan mungkin menyebabkan diskriminasi terhadap kelompok minoritas. Artikel ini menyarankan implementasi solusi seperti Artificial Intelligence (XAI), audit bias berkala, dan peraturan yang lebih ketat untuk menciptakan sistem yang lebih transparan dan adil berdasarkan analisis data empiris dan studi kasus yang ada.
The Success of the Social Assistance Program in Supporting the Economic Resilience of Poor Communities during the Covid-19 Pandemic Runi, Naila Ananda; Manik, Citra Wulandari; Aini, Lathifah; Situmorang, Rachel Meylani; Salsabila, Sasabila; Sari, Yolanda Novita; Nasution, Armin Rahmansyah
Jurnal Ekonomi Balance Vol. 20 No. 1 (2024): June 2024
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v20i1.12924

Abstract

Poverty is a multifaceted problem that impacts people's lives in many ways, such as socio-cultural, educational, religious, and economic. Poverty has increased as a result of the COVID-19 epidemic in various countries, including Indonesia. The Indonesian government has responded by introducing a number of social assistance initiatives to help those affected by the pandemic. The purpose of this study is to assess how well social assistance programs are helping the underprivileged maintain their financial stability during the COVID-19 pandemic. The study, conducted in Binjai City, Indonesia, centered on the Direct Cash Transfer (BLT) initiative. The findings of this study show that the social assistance program had a beneficial and lasting impact on the local economy of Binjai City. Increases in community consumption, demand for goods and services, production, employment, and economic growth demonstrate this.
The Effect of Inflation and Exchange Rates on Interest Rates 2013-2022 Aini, Lathifah; Saajidah, Annisa; Nasution, Putri Andini; Salsabila, Salsabila; Sari, Yolanda Novita; Silaban, Putri Sari Margaret Julianti
Jurnal Ekonomi Balance Vol. 20 No. 2 (2024): Desember 2024
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v20i2.16656

Abstract

Inflation affects the real income of individuals who have a fixed income, which in turn impacts the wealth stored in banks. Various factors, such as interest rates, inflation, and government economic policies, can influence the exchange rate. These three variables are closely interrelated, and changes in one can significantly affect the others. This research aims to analyze the effect of inflation and exchange rates on interest rates. The results of this study are expected to provide valuable information and input for the central bank in determining effective interest rate policies to stabilize the economy. The research method employed is a quantitative approach utilizing time series data. This type of data is essential for analyzing trends and applying simple regression techniques to observe relationships between variables. Data used in this study were collected from Bank Indonesia for the period 2013-2022. The analysis reveals varying regression coefficients: a negative regression coefficient indicates a negative relationship between variable X and Y, meaning that an increase in one variable leads to a decrease in the other. Conversely, a positive regression coefficient signifies a positive relationship, where an increase in one variable results in an increase in the other. By understanding these relationships, policymakers and stakeholders can make informed decisions regarding monetary policy and economic strategies. This research contributes to a deeper understanding of how inflation, exchange rates, and interest rates interact, helping to ensure a stable financial environment that benefits individuals and institutions alike.
Co-Authors Aini, Lathifah Alawiyah, Khairani Febrianti, Gita Ginting, Hilkia Natasya Manik, Citra Wulandari Nasution, Armin Rahmansyah NASUTION, PUTRI ANDINI Rambe, Rolil Runi, Naila Ananda Saajidah, Annisa Salsabila, Salsabila Salsabila, Sasabila Saragih, Elisa Clara Silaban, Putri Sari Margaret Julianti Silaban, Putri Sari Margaret Julianty Sirait, Melani Manginar Sitanggang, Novita Hotma Uli Situmorang, Rachel Meylani