Garuda - Garba Rujukan Digital

The Digital Economy's Impact on Middle-Class Dynamics in Southeast Asia: A Case Study of Indonesia Putri, Ratih Astiakurnia; Aziz, Irvan Nurdin; Simon, John Christianto; Aryatama, Septian; Oktapiani, Marliza
International Journal of Science and Society Vol 7 No 1 (2025): International Journal of Science and Society (IJSOC)
Publisher : GoAcademica Research & Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54783/ijsoc.v7i1.1373

The digital economy has become a major driver of social and economic transformation in Southeast Asia, especially in Indonesia. These changes affect various aspects, including consumption patterns, social interactions, and economic opportunities for the middle class. However, there are still major challenges related to inequality in access to technology that exacerbates social inequality. The purpose of this study is to analyze the impact of the digital economy on the dynamics of the middle class in Indonesia, with a focus on the socio-economic changes that occur due to digitalization. This study uses a qualitative approach by collecting data from previous studies and other relevant sources. The collected data will be analyzed to produce findings explaining the relationship between the digital economy and the middle class in Indonesia. The conclusion of this study shows that the digital economy opens up new opportunities for the middle class, but also creates inequality in access that needs to be addressed. Digital infrastructure and technological literacy are key to reducing this gap. With the right policies, the digital economy can be a tool to drive inclusive growth and social welfare.

Analisis Economic Value Added (Eva) Dan Market Value Added (Mva) Terhadap Kinerja Keuangan Pada Perusahaan Telekomunikasi Di Bei 2017-2022 Anwar , Anas Iswanto; Randy , Muh. Fuad; Irwin , Muh.; Putri , Ratih Astiakurnia
Bata Ilyas Educational Management Review Vol. 2 No. 2 (2022): July - December
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/biemr.v2i2.303

This study is aimed to determine whether EVA and MVA affect the financial performance of telecommunications companies listed on IDX in 2017-2020. This study used quantitative methods. Data collection techniques in this study used library research and field research. The population in this study were all telecommunication companies and the data analysis tools used were multiple linear regression analysis, t- test and F-test. The results showed that EVA had no effect on financial performance. However, different results were shown by MVA, it effected on the financial performance of telecommunications companies based on the results of t-test. The f- test results showed that Economic Value Added (EVA) had no effect on financial performance and MVA effected on Financial Performance in simultaneously analysis.

Analysis of the Influence of the Use of Fintech Services on Investment Decisions of Millennial Communities in the Digital Age Astiakurnia Putri, Ratih; Ihsan Triputrajaya, Andi
Journal of Social Science Vol. 5 No. 6 (2024): Journal of Social Science
Publisher : Syntax Corporation Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/jss.v5i6.954

The development of digital economy in Indonesia is growing rapidly along with the increasing use of internet and technology in various sectors. Fintech services are one of the main drivers of this development, especially in increasing financial inclusion. This study aims to explore the impact of fintech services on investment decisions among millennials. This study uses quantitative method with survey as the data collection technique, involving respondents who are active users of fintech platforms. The data collected was analysed using linear regression. The results of the analysis show that ease of access, low cost, transparency and time flexibility significantly influence their investment decisions. In addition, the study identified the importance of financial education in improving users' literacy and confidence in investing. The findings emphasise the important role of fintech in encouraging millennial participation in financial markets, as well as the need for appropriate regulation to protect consumers and support the industry's sustainable growth

PENGARUH NET PROFIT MARGIN DAN EARNING PER SHARE TERHADAP HARGA SAHAM PADA PT. MULIA INDUSTRINDO, Tbk. Putri, Ratih Astiakurnia; Imran, Imran; Lusiana, Lulu; Ahmad, Srifatmawati
Movere Journal Vol. 5 No. 02 (2023)
Publisher : Sekolah Tinggi Ilmu Ekonomi (STIE) Tri Dharma Nusantara Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53654/mv.v5i02.367

Penelitian ini untuk mengetahui pengaruh Net Profit Margin dan Earning Per Share terhadap harga saham pada PT. Mulia Industrindo, Tbk. Jenis data yang digunakan dalam penelitian ini adalah data kualitatif dan kuantitatif. Sumber data yang digunakan yaitu data sekunder. Metode analisis yang digunakan adalah analisis regresi linear berganda, uji determinasi, uji koefisien korelasi, uji t dan uji F. Hasil penelitian menunjukkan persamaan regresi yang diperoleh adalah Y= 645,14 – 35,186X1 + 3,998X2, uji koefisien korelasi r=0,910 dan koefisien determinasi R2= 82,8%. Berdasarkan perhitungan Uji t Net Profit Margin menunjukkan thitung -1,618<ttabel 2,447, dan Earning Per Share menunjukkan nilai thitung 4,596 > ttabel 1,943, sedangkan uji F diperoleh Fhitung 14,48 > Ftabel 5,14, dengan demikian disimpulkan bahwa secara parsial NPM berpengaruh negatif tidak signifikan terhadap harga saham dan EPS memiliki pengaruh yang positif signifikan terhadap Harga Saham. Maupun secara simultan NPM dan EPS memiliki pengaruh yang positif dan signifikan terhadap Harga Saham pada PT. Mulia Industrindo, Tbk. Dengan demikian hipotesis diterima.

Fiscal Distress: The Role of Budget Policy in Local Government Robinson, Robinson; Fitranita, Vika; Putri, Ratih Astiakurnia; Triputrajaya, Andi Ihsan; Puansah, Irman
Jurnal Ilmiah Akuntansi Kesatuan Vol. 13 No. 5 (2025): JIAKES Edisi Oktober 2025
Publisher : Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jiakes.v13i5.3972

Fiscal distress in local governments, particularly in South Sumatra, poses a significant challenge to delivering public services due to limited financial capacity. This study aims to examine the impact of budget policies, specifically surplus or deficit and solvency, on fiscal distress, using the stakeholder theory to understand how local governments adapt to central government funding pressures. The research employs a quantitative approach, analyzing data from 65 local governments in South Sumatra from 2020 to 2023, totaling 260 observations. Logistic regression is used to test the effect of budget deficit policy and three solvency ratios (operational, employee expenditure, and total budget solvency) on fiscal distress, measured by the regional fiscal capacity ratio. The findings show that 58% of local governments experienced fiscal distress, with budget deficits significantly increasing the likelihood of distress, while operational budget solvency significantly reduces it. Employee expenditure and total budget solvency show no significant effect, likely due to mandatory spending regulations. The study concludes that effective budget management, through realistic revenue projections and optimized operational expenditures, is crucial for mitigating fiscal distress, offering practical guidance for local governments to enhance financial stability.

Cryptocurrency Investment and Economic Stability: A Risk Analysis in Emerging Markets Putri, Ratih Astiakurnia; Marbun, Robert; Harjanti, Wulandari
Ilomata International Journal of Social Science Vol. 6 No. 3 (2025): July 2025
Publisher : Yayasan Ilomata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijss.v6i3.1711

The rapid development of cryptocurrency investment has raised concerns regarding its impact on economic stability, particularly in emerging markets. This study employs a qualitative approach through literature review and library research to analyze the risks associated with cryptocurrency investments and their implications for financial stability. This research identifies key risk factors, including market volatility, regulatory uncertainty, cybersecurity threats, and financial system disruptions by examining existing scholarly works, regulatory frameworks, and market trends. The findings indicate that cryptocurrency investments offer opportunities for financial inclusion and economic diversification but also pose significant risks to economic stability due to price fluctuations and speculative behavior. Furthermore, the lack of a unified regulatory framework across different countries exacerbates these risks, leading to potential financial instability in emerging economies. The study highlights the necessity of regulatory intervention and policy formulation to mitigate these risks while harnessing the benefits of cryptocurrency investments. Governments and financial institutions in emerging markets must establish robust risk management strategies and regulatory frameworks to balance innovation and financial stability. This research contributes to the academic discourse by providing a comprehensive understanding of the relationship between cryptocurrency investments and economic stability in emerging markets. Future research should focus on empirical case studies to further explore the long-term effects of cryptocurrency investments on financial stability.

Analysis of the Influence of the Use of Fintech Services on Investment Decisions of Millennial Communities in the Digital Age Ratih Astiakurnia Putri; Andi Ihsan Triputrajaya
Journal of Social Science Vol. 5 No. 6 (2024): Journal of Social Science
Publisher : Syntax Corporation Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46799/jss.v5i6.954

The development of digital economy in Indonesia is growing rapidly along with the increasing use of internet and technology in various sectors. Fintech services are one of the main drivers of this development, especially in increasing financial inclusion. This study aims to explore the impact of fintech services on investment decisions among millennials. This study uses quantitative method with survey as the data collection technique, involving respondents who are active users of fintech platforms. The data collected was analysed using linear regression. The results of the analysis show that ease of access, low cost, transparency and time flexibility significantly influence their investment decisions. In addition, the study identified the importance of financial education in improving users' literacy and confidence in investing. The findings emphasise the important role of fintech in encouraging millennial participation in financial markets, as well as the need for appropriate regulation to protect consumers and support the industry's sustainable growth

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