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Analisis Pengaruh Kebijakan Moneter terhadap Likuiditas Perbankan di Indonesia Rahmatullah, Dedy
PENG: Jurnal Ekonomi dan Manajemen Vol. 2 No. 3 (2025): September: Education, Economic dan Social Studies
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/9wq2nd63

Abstract

Penelitian ini menganalisis pengaruh BI-7 Day Reverse Repo Rate (BI7DRR), jumlah uang beredar (money supply), nilai tukar, dan inflasi terhadap Loan to Deposit Ratio (LDR) di sektor perbankan. Metode yang digunakan adalah regresi linier berganda dengan pendekatan Ordinary Least Squares (OLS) dengan Newey-West HAC Standard Errors untuk mengatasi masalah autokorelasi dan heteroskedastisitas. Data yang digunakan merupakan data bulanan dari Januari 2018 hingga November 2024. Hasil penelitian menunjukkan bahwa BI7DRR dan nilai tukar berpengaruh positif terhadap LDR, yang mengindikasikan bahwa kenaikan suku bunga acuan dan depresiasi nilai tukar cenderung meningkatkan rasio kredit terhadap dana pihak ketiga. Sebaliknya, jumlah uang beredar dan inflasi berpengaruh negatif terhadap LDR, yang berarti peningkatan jumlah uang beredar dan inflasi justru menurunkan proporsi kredit yang disalurkan oleh bank. Temuan ini mengonfirmasi bahwa kebijakan moneter dan kondisi makroekonomi memainkan peran penting dalam menentukan tingkat intermediasi perbankan. Implikasi penelitian ini adalah pentingnya kebijakan suku bunga dan pengendalian jumlah uang beredar dalam menjaga stabilitas sektor perbankan, terutama dalam optimalisasi fungsi intermediasi.
Analysis of Determinant Factors Affecting Women's Income in the Seaweed Industry in Pantai Amal, Tarakan City Kartini, Kartini; Rahmatullah, Dedy; Islami, Rahmi Nur
BIMA Journal (Business, Management, & Accounting Journal) Vol. 6 No. 1 (2025)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.6.1.135-150

Abstract

Income is one of the indicators used to achieve or improve community welfare. Low household income often necessitates women taking on a role in fulfilling financial needs. This study aims to identify and analyze the partial effects of age, number of family dependents, working hours, and length of employment on the income of female seaweed workers, as well as to analyze the simultaneous effects of these factors on their income. The study was conducted in Pantai Amal Subdistrict, Tarakan City. The sampling method used was non-probability sampling, with a total of 68 samples determined using the Lemeshow formula. The analysis applied in this study includes classical assumption tests and multiple linear regression analysis. The results of this study conclude that, based on the t-test, the number of family dependents (t-value: 3.054, significance: 0.003), working hours (t-value: 2.550, significance: 0.013), and length of employment (t-value: 2.315, significance: 0.033) have a significant effect on the income of female seaweed workers. Furthermore, age, number of family dependents, working hours, and length of employment simultaneously have a significant effect on their income, with an F-value of 5.332 and a significance value of 0.001
Penguatan Kapasitas UMKM Dodol Al Arabi Samarinda melalui Digitalisasi Bisnis dan Optimalisasi Manajemen Keuangan Maulana, Indra; Rahmatullah, Dedy; Norsita, Mega; Daffaa, Atiiqah; Monashafa, Siti
Jurnal Pengabdian Kepada Masyarakat Vol. 5 No. 3 (2025): Jurnal Pengabdian Kepada Masyarakat
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/pkm.v5i3.4249

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in supporting the Indonesian economy; however, they continue to face fundamental challenges, particularly in financial management and digital marketing strategies. These issues are also encountered by the partner of this community engagement program, Dodol Al Arabi in Samarinda City, which has been operating conventionally without systematic financial recording, a written business plan, or digital-based promotional strategies. This program aims to strengthen the business capacity of the partner through the improvement of financial management and the optimization of digital marketing. The methods applied include socialization, training, workshops, individual mentoring, and evaluation. The interventions cover the implementation of a basic bookkeeping system, the development of a written business plan based on the Business Model Canvas (BMC), and assistance in utilizing digital media for product promotion. The results indicate that the partner is now able to conduct financial recording in a more systematic manner, calculate the Cost of Goods Sold (COGS), and design a more structured business plan. In addition, the partner has begun to utilize social media platforms for product promotion, although further mentoring is required to ensure consistency and professionalism. Overall, this program provides tangible contributions to strengthening the managerial and marketing capacity of the partner while potentially generating broader socio-economic impacts, such as the creation of new job opportunities, the reinforcement of local supply chains, and the preservation of Samarinda’s traditional culinary heritage. This program also offers novelty by integrating financial management strategies and digital marketing into real implementation at the micro-business level based on local products.
Exchange rate responses to macroeconomic announcement on the COVID-19 pandemic Rahmatullah, Dedy; Ghuzini, Diny
Jurnal Ekonomi dan Bisnis Vol. 26 No. 1 (2023)
Publisher : Fakultas Ekonomika dan Bisnis Universitas Kristen Satya Wacana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24914/jeb.v26i1.4868

Abstract

This study examines the effects of macroeconomic announcements on the USD/IDR exchange rate before and during the COVID-19 pandemic, and the difference between the impact of positive and negative announcements on the exchange rate. To measure the macroeconomic announcement, a surprise component is used, that is the difference between actual data and market forecasts. The data in this research are daily time series from 1 January 2014 to 30 November 2020. The actual data and market forecasts for each indicator are obtained from Bloomberg. To test the exchange rate response to the macroeconomic announcement, the Ordinary Least Square (OLS) analysis method is used with heteroskedasticity and autocorrelation consistent (HAC). This study finds that during the COVID-19 pandemic, the USD/IDR exchange rate is more sensitive to the surprise component of the macroeconomic announcement compared to the period before the COVID-19 pandemic. This research also finds evidence that positive Indonesian news and negative US news have a significant effect on changes in the USD/IDR exchange rate.
The Role of Bank Profitability and Liquidity in Indonesia's Economic Growth: An Empirical Study on ROA, LDR, and CAR Rahmatullah, Dedy; Kartini
Jurnal Ilmiah Ekonomi Global Masa Kini Vol. 16 No. 2 (2025): Vol. 16 No. 2
Publisher : Universitas Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36982/jiegmk.v16i2.5885

Abstract

This study analyzes the role of banking profitability and liquidity in influencing Indonesia’s economic growth within a context of heightened macroeconomic volatility. While previous research has examined bank credit, assets, or profitability individually, empirical evidence remains limited regarding the simultaneous interaction between profitability and liquidity and their transmission to economic growth, particularly when external pressures such as inflation and exchange rate fluctuations are taken into account. This gap is critical for bank-based economies like Indonesia, where disturbances in liquidity and profitability rapidly affect intermediation capacity and real-sector performance. To address this gap, the study employs monthly data from 2018 to 2024 and applies a Vector Error Correction Model (VECM), complemented by Impulse Response Functions (IRF) and Forecast Error Variance Decomposition (FEVD). Banking performance is measured using Return on Assets (ROA), Loan to Deposit Ratio (LDR), and Capital Adequacy Ratio (CAR), while inflation and exchange rate serve as macroeconomic control variables. The results show that ROA, LDR, CAR, inflation, and the exchange rate significantly affect economic growth in both the short and long run, with profitability and liquidity variables exerting relatively stronger influences than macroeconomic factors. These findings provide evidence on how internal banking conditions interact with external shocks in shaping economic dynamics. The study offers implications for the design of macroprudential policies and contributes to the literature by integrating profitability and liquidity indicators within a unified empirical framework that accounts for macroeconomic instability  Keywords: Economic Growth, Banking Sector, LDR, ROA, CAR, VECM, FEDV, Indonesia