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All Journal International Journal of Business, Humanities, Education and Social Sciences (IJBHES) Proletarian : Community Service Development Journal
Made Irma Lestari
Unknown Affiliation
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Control & Systems Engineering Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences

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The Impact of Oil-Gas and Agriculture Exports on Energy and Consumer Non-Cyclical Sector Stock Prices in Indonesia: A Case Study of the Russia-Ukraine War Anggita Wigiasti; Made Irma Lestari; Hidayatullah
Jurnal Internasional Bisnis, Humaniora, Pendidikan dan Ilmu Sosial Vol 7 No 1 (2025): International Journal of Business, Humanities, Education and Social Sciences
Publisher : Universitas Teknologi Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46923/ijbhes.v7i1.472

Abstract

The Russia-Ukraine war is one of the global conflicts that currently has a wide influence on the global economy. This certainly also affects the movement of stocks, which are one of the investment instruments. On the other hand, there are factors that also affect stock prices besides global conflicts, namely export value. Exports are known to be one of the macroeconomic factors that influences stock prices. This study aims to analyze the effect of the Russia-Ukraine war conflict on stock prices, especially the energy and consumer non-cyclical sectors by using exports as a moderating variable. The energy and the consumer non-cyclical sector were chosen because both have a large trade influence for Russia - Ukraine with the global economy. This study is a quantitative study using secondary data. Data were collected through the official websites of idx.co.id, investing.com, and bps.go.id. The data analysis method uses descriptive statistics, simple linear regression, and moderated regression analysis (MRA) tests. The results of the study showed that the Russia-Ukraine War had a significant positive effect on stock prices but changed to an insignificant effect after the addition of exports as moderating variable. Meanwhile, in the consumer non-cyclical sector, the Russia-Ukraine War produced an insignificant effect on stock prices and then had a significant negative effect after the addition of export as the moderating variable.
Analysis of Life Insurance Company Financial Performance: Early Warning System Ratios and Risk-Based Capital Before and After the Covid-19 Pandemic in Indonesia Ayunda Annisa Soleha; Made Irma Lestari
Jurnal Internasional Bisnis, Humaniora, Pendidikan dan Ilmu Sosial Vol 7 No 1 (2025): International Journal of Business, Humanities, Education and Social Sciences
Publisher : Universitas Teknologi Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46923/ijbhes.v7i1.477

Abstract

This study aims to analyze the financial performance of life insurance companies through the early warning system ratios and risk-based capital before (2019) and after the pandemic (2023). Utilizing a quantitative research approach with purposive sampling, a total of 44 samples were tested in this study as non parametric data. The data analysis method employed is descriptive analysis using the non-parametric wilcoxon signed rank test, conducted with IBM SPSS Statistics software. The results indicate that there were no significant changes in the combined ratio, retention ratio, liquidity ratio, technical reserve ratio, and risk-based capital ratio, although some positive trends were observed. Meanwhile, the investment adequacy ratio experienced a significant decline but remained within a healthy category. Overall, these findings reflect the life insurance industry's ability to stabilize its financial performance through strategic adaptation following the Covid-19 pandemic.
Strategi Digital Micro Financing dan Manajemen Arus Kas Untuk Mendorong Inklusi Keuangan UMKM Made Irma Lestari; Wijanarko, Hubertus Maria Rosariandoko; Rahim, Norizan Baba; Marsintauli, Frihardina; Simon
Proletarian : Community Service Development Journal Vol 3 No 2 (2025): November 2025
Publisher : PT. BERBAGI TEKNOLOGI SEMESTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61098/proletariancomdev.v3i2.281

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a significant role in Indonesia’s economy, yet they face challenges in accessing financing and managing cash flow. This study aims to explore strategies for leveraging digital technology in micro financing and cash flow management, as well as their impact on enhancing financial inclusion for MSMEs in Indonesia. Innovative approaches such as Peer-to-Peer (P2P) lending and mobile-based cash flow management applications can expand the reach of financial services and improve business efficiency. The study analyzes the outcomes of an international hybrid seminar entitled “Micro Financing in Action: Strategies for Financial Inclusion” organized by Accounting Binus Online and Universiti Sains Malaysia (USM). Participants—including MSME practitioners, students, and the general public—received training on the importance of micro financing, the role of P2P lending, and the use of digital financial management applications. The results of pre- and post-test analysis using a paired sample t-test revealed a significant increase in participants’ knowledge after the training. These findings demonstrate that combining training on digital financing and technology-based cash management can effectively enhance participants’ financial literacy and is expected to improve financial inclusion for MSMEs.
Co-Authors Anggita Wigiasti Ayunda Annisa Soleha Hidayatullah Marsintauli, Frihardina Rahim, Norizan Baba Simon Wijanarko, Hubertus Maria Rosariandoko