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All Journal JURNAL RISET AKUNTANSI GOING CONCERN Quantitative Economics Journal Journal of Economic, Bussines and Accounting (COSTING) Owner : Riset dan Jurnal Akuntansi Profita : Komunikasi Ilmiah dan Perpajakan FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Jurnal Samudra Ekonomi dan Bisnis Jurnal Abdi Ilmu Jurnal Mantik JIMEK : Jurnal Ilmiah Mahasiswa Ekonomi International Journal of Economics Development Research (IJEDR) Community Engagement and Emergence Journal (CEEJ) Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Ekonomi Bisnis Manajemen Prima Jurnal Darma Agung JURMA : Jurnal Program Mahasiswa Kreatif Jurnal Ekonomi Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Al-DYAS : Jurnal Inovasi dan Pengabdian kepada Masyarakat Journal Liaison Academia and Society Jurnal Penelitian Ekonomi Manajemen dan Bisnis JEBIMAN: Jurnal Ekonomi, Bisnis, Manajemen dan Akuntansi Trending: Jurnal Manajemen dan Ekonomi Indonesian Journal of Entrepreneurship & Startups Mount Hope Global Economic Journal Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Ekonomikalia Journal of Economics Neraca Manajemen, Akuntansi, dan Ekonomi Journal Economic Excellence Ibnu Sina Jurnal Media Akademik (JMA) JURNAL RUMPUN MANAJEMEN DAN EKONOMI RECORD Journal of Loyality and Community Development Mesada: Journal of Innovative Research International Journal of Accounting, Management, and Economics Research : Ijamer
Dwita Sakuntala
Universitas Pembangunan Panca Budi
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Journal : JURMA : Jurnal Program Mahasiswa Kreatif

 1 
Implications of Macro Economic Conditions for Banking Effectiveness in Indonesia Ningsih, Nuri Rahayu; Rusdianto, Budi; Siregar, Kardina; Zulfa, Andria; Sakuntala, Dwita
Jurma : Jurnal Program Mahasiswa Kreatif Vol 8 No 2 (2024): DESEMBER
Publisher : LPPM UIKA Bogor

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This research aims to determine banking effectiveness. The variables in this research are Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), Economic Growth (GDP), Inflation, and Exchange Rates. The analytical method used in this research is the Vector Auto Regression (VAR) model with the Impulse Response Function (IRF) test, Forecast Error Variance Decomposition (FEVD), stationarity test, cointegration test, structural lag stability test, and optimal lag length test. The results of Vector Autoregressive research using a lag 2 basis show that there is a contribution from each variable to the variable itself and other variables. The results of the Vector Autoregression analysis also show that the past variable (t-1) contributes to the current variable, both the variable itself and other variables. From the analysis results, there is a reciprocal relationship between one variable and another variable. Response Function analysis shows that there is a response of other variables to changes in one variable in the short, medium, and long term, and it is known that the stability of the response of all variables is formed in 5 years or long term. Variance Analysis Decomposition shows the existence of variables that have the largest contribution to the variable itself in the short, medium, and long term, such as INF and KURS. Meanwhile, other variables that have the greatest influence on the variable itself and are supported by other variables in the short, medium, and long term are CAR and NPL which are most influenced by the EXCHANGE and GDP.
Macroprudential Instruments to Minimize the Financing Risk of Islamic Commercial Banks in Indonesia Kurniawan S., Amri Darma; Sakuntala, Dwita; Zulfa, Andria; Nasution, Lia Nazliana
Jurma : Jurnal Program Mahasiswa Kreatif Vol 8 No 2 (2024): DESEMBER
Publisher : LPPM UIKA Bogor

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Bank Indonesia has established macroprudential policy as one of its strategies within the policy mix, utilizing various instruments to support the intermediation function and manage credit or financing risks. This research aims to investigate the impact of the countercyclical capital buffer, financing to funding ratio, and capital adequacy ratio on the non-performing financing ratio at Islamic commercial banks in Indonesia. The study employs a quantitative approach focusing on 13 Islamic commercial banks registered with the Otoritas Jasa Keuangan (Financial Services Authority). Secondary data covering a 6-month period from 2014 to 2023 is utilized for analysis. The research applies the multiple linear regression model using the Ordinary Least Square method. The simultaneous test (F-test) result indicate that the countercyclical capital Buffer, financing to funding ratio, and capital adequacy ratio collectively exert a significant influence on non performing financing in Islamic commercial banks. According to the partial test results (t-test), only the capital adequacy ratio demonstrates a negative and significant impact on non-performing financing. This implies that an increase in the capital adequacy ratio tends to reduce the non-performing financing ratio. The regression model interpretation suggests that all independent variables have a consistent relationship with the dependent variable. Therefore, an increase in the value of the capital buffer value, financing to funding ratio and capital adequacy ratio concurrently reduce the percentage of non-performing financing at Islamic commercial banks. The coefficient of determination indicates that the independent variables collectively explain 92.11% of the variation in the dependent variable. The remaining 7.89% is attributed to other variables not included in this study.
Analysis of Financial System Stability in Southeast Asia (Indonesia, Singapore and Malaysia) During Covid-19 Raudah, Raudah; Zulfa, Andria; Sakuntala, Dwita
Jurma : Jurnal Program Mahasiswa Kreatif Vol 8 No 2 (2024): DESEMBER
Publisher : LPPM UIKA Bogor

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Abstract

This research examines the simultaneous influence of maintaining financial system stability through inflation and exchange rates. The research was conducted in three countries, Indonesia, Singapore and Malaysia, and lasted for seventeen months from 2019 to 2020. The method used was the simultaneity method. The research results show in Equation I that interest rates, consumption and exchange rates simultaneously influence inflation, but the money supply does not. Then, the results in Equation II show that Foreign Exchange Reserves and Inflation simultaneously influence the Exchange Rate, but Exports do not influence the Exchange Rate. Therefore, in controlling the financial system, the Central Bank must monitor consumption variables, interest rates and exchange rates to control inflation so that the financial system remains stable, as well as monitor foreign exchange reserves and inflation so that exchange rates in Indonesia, Singapore and Malaysia are maintained.
Co-Authors Addnan Nur Nasution Ade Alison Adela Nursafira Adinda Arafah Afiq Yasfa Assaumi Ritonga Afriza Ulfa Ritonga Agustina, Maulidar Alfarizi Amin Hou Andreas Fourtunando Simanjuntak Andria Zulfa Annisa Syafriani Aqil Muhammad Hsb Arsyaf Tampubolon Aryani, Yuli Auliasah, Revina Aurelia, Gabrella Bagus Hermansyah Barus , Muhammad Arif Bernice Erin Buulolo, Elisabet Mariani Catherine Michelle Samsul Chani Dinayu Cheong Shiau Wie Christin Kacaribu Christina Simanjuntak Christine Junita Daryan Muhsin Hadi Batubara Daulay, Nadia Nurhaliza Dayu Rizki Nurhamda Dea Dellia Debora Natalia Hutagalung Devi ana Sinaga Dhita Adriani Rangkuti Dinda, Lidyana Dini, Siti Dio Pranata Ditiya Puspita Dwi Ananda Eka Martyna Theodora Erinta Sijabat - Fadillah, Rizka Faisal Aqasah Farhan Kaustari Fadia Fauzan Pratama, Muhammad Febti Latreia Missi - Feryanda Feryanda Firdan Fitriani Tobing Fransisca Gozelia Boelova Friska Novi Limbong Haloho, Yonas Pernando Handayani, Trya Hartini, Dinda Helvionita Br Sitepu Hendy Hendy Herosian, Mila Yulia Hizri Al Husein Hutagaol, Lambok Hutri Panjaitan Imelda Krisdamayanti Indah Khairunnisa Sihotang Indaniaty Hasanah Sari Ira Santika Sinaga Iratania, Dian Isyahruna Primadani Jholant B. L Amelia Br. Sinaga Jimmy Kuo July Meliza Justin Novanta Kristian Zai Kelvien Kelvien Kelvin Kosasih Kevin Bambang Setiawan Khairul Akhyar Khairullah, Aulia Khayriza Sinambela Komeel Karisma Kurniawan S., Amri Darma Laia, Sarifin Lambok Hutagaol Lia Nazliana Nasution Lia Nazliana Nasution Lilis Apriyaningsih Lola Irmayunda Lumban Gaol, Sri Futrica Luthfi Hidayat Siregar M Rizky Audiva M. Daffa Raihan Buulolo M. Raihan Amri M. Shabri Abd. Majid Manda Dwipayani Bhastary Masdinar Sihite Masitah Khairani Melinda Melinda Meltry Anggita Sihombing Merry Mhd Akbar Mila Yulia Herosian Mila Yulia Herosian Muhammad Alyaafii Muhammad Ridho Muhammad Sami Rabbani Hutasuhut Mutiara Annisa Najma Azhira Lubis Nanda Syafira Afriyani Nasution, Isna Asdiani Nelsem Ningrum, Eka Milia Ningsih, Nuri Rahayu Nona Lastri Sinurat Nove Rianto Sanjaya Noviana Siska Nur Fadillah Hayati Nursani Alvia Siregar Oktavia, Silvia Yolanda Puput Almiah Br. Sinulangga Purba, Ahmad Fauzan Putri Amirah Hajarani Putri Br Sibarani Putri Husyada Fi’lma - Putri Sari Sihombing Putri Valentine Qoffariani Nur Fadila Raffi Andhera Rafida Khairani Raissa Puan Andrina Ramadhani, Rizky Tri Randa Wildesta Tambunan Raudah Raudah Rendy Rinardy Ricky Joedani Ridhani, Ridhani Rifyal Alwi Rima Umami Hasibuan Riska Amaliah Rivaldo Rivaldo Rizky Padlan Rizqi Syahdila Ronaldo Sihombing Rosalina Marpaung Rusdianto, Budi Ryan Syahputra Sabilayana Sabilayana Sabilla Cahya Kinanti Sabrina Natasya Matondang Santika, Widia Selfia Putri Johana Eka Ningsih Simatupang Sherly Ogestine Sidabutar, Rizky Ananda Sihite, Ayu Simamora, Manaek Sinaga , Mu’arya Sinaga, Anggiat Sinaga, Putri Yohana Sinaga, Sinta Anna Magdalena Sinurat, Nona Lastri Siregar, Ina Namora Putri Siregar, Kardina Sitepu, Helvionita Br Siti Sara - Sri Futrica Lumban Gaol Sri Indah Siregar Sri Rahmanita Sry Yanti Hutabarat Stephany Suci Ramadhana Suci Ramadhini Suhardina, Suhardina Sulaiman Sidabutar Surita Surita Tanjung , Dava Maulana Thahira, Zia Thalia Anggiani Theodora, Eka Martyna Tiara Ajeng Dewita Timoria, Timoria Tina Novianti Sitanggang Tina Novianti Sitanggang Toni Tutiana Bayati Valensia Yeovin Vina Ramadhani Siregar Vincent Arlonso Willi Ardianto Windi Aulia Yanti Veronika Naibaho Yeni Rafita Sihombing Yolanda Widya Anggreni Situmorang Yovie Ernanda Yunior, Khomeiny Zalmi, Fony Yurika