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Analisis Sistem Deteksi Dini Terhadap Krisis Nilai Tukar di Indonesia Muhammad Rizal Abdurrahman; Dimas Bagus Wiranatakusuma
Journal of Economics Research and Social Sciences Vol 1, No 2: August 2017
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jerss.v1i2.9066

Abstract

Krisis keuangan yang terjadi pada tahun 1997/1998 dan krisis keuangan global pada tahun 2008 memberikan pelajaran yang sangat berharga akan pentingnya untuk membangun sistem deteksi dini sebelum terjadinya krisis, khususnya krisis nilai tukar di Indonesia. Penelitian ini bertujuan untuk membangun sistem deteksi dini krisis nilai tukar di Indonesia dengan menghitung indeks krisis nilai tukar dan menentukan variabel apa saja yang dapat menjadi leading indicators dalam krisis nilai tukar. Data yang digunakan dalam penelitian ini yaitu data sekunder time series bulanan dari tahun 1995M01-2015M12. Variabel yang digunakan untuk membentuk Currency Crises Index (CCI) yaitu cadangan devisa dan nilai tukar. Variabel penelitian yang digunakan dalam penelitian ini yaitu suku bunga internasional (US), nilai tukar riil, harga minyak dunia dan M2/cadangan devisa. Model analisis yang digunakan yaitu metode pendekatan sinyal (signal approach). Hasil penelitian menunjukkan bahwa, Indonesia telah mengalami empat periode krisis nilai tukar yakni pada tahun 1997-1998, 1999, 2001 dan 2008. Terdapat dua variabel yang dapat menjadi leading indicators atau pemicu potensi terjadinya krisis nilai tukar di Indonesia yaitu variabel suku bunga internasional (US) dan nilai tukar riil. Oleh karena itu, Bank Indonesia harus berhati-hati dalam mengambil kebijakan terkait penentuan suku bunga domestik dengan mempertimbangkan kondisi inflasi dalam negeri dan tetap menjaga kestabilan makro ekonomi, agar dapat meminimalisir dampak dari kenaikan suku bunga internasional (US interest rate) dan nilai tukar riil.
Analisis Stress test pada Perbankan Syariah di Indonesia Lola Aldila Agustin; Dimas Bagus Wiranatakusuma
Journal of Economics Research and Social Sciences Vol 1, No 2: August 2017
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jerss.v1i2.9063

Abstract

Bank pada dasarnya adalah entitas yang melakukan penghimpunan dana dari masyarakat dalam bentuk pembiayaan atau dengan kata lain melaksanakan fungsi intermediasi keuangan. Tujuan dari penelitian ini adalah untuk mengetahui faktor-faktor apa saja yang mempengaruhi NPF dan untuk mengetahui bagaimana skenario shock ada perbankan Syariah di Indonesia. Objek pada penelitian ini adalah Bank Umum Syariah dan Unit Usaha Syariah. Data yang digunakan dalam penelitian ini merupakan data sekunder yang diperoleh dari Bank Indonesia dan Otoritas Jasa Keuangan. Sampel data yang digunakan adalah laporan bulanan statistik perbankan Syariah pada periode bulan Januari 2010 – Desember 2014. Metode analisis yang digunakan adalah analisis linear berganda dan analisis stress test. Berdasarkan analisis yang telah dilakukan dapat diperoleh hasil bahwa CAR berpengaruh negatif dan signifikan, ROA berpengaruh negatif dan tidak signifikan, FDR berpengaruh negatif dan signifikan, dan BOPO berpengaruh positif dan signifikan terhadap NPF. Pada analisis stress test berupa skenario analisis diperoleh bahwa besarnya variabel yang dapat mentoleransi shock adalah CAR sebesar 12,23% - 20,23%, FDR sebesar 87,13% - 104,83%, dan BOPO sebesar 73,95% - 91,90% agar stabilitas perbankan Syariah tetap terjaga
Peningkatan Literasi Keuangan Melalui Pelatihan dan Sertifikasi Perencanaan Keuangan Keluarga Syariah Pada Perangkat Desa di Kelurahan Lumbungrejo, Sleman, Yogyakarta Dimas Bagus Wiranatakusuma; Satria Utama
Jurnal Pendidikan dan Konseling (JPDK) Vol. 4 No. 4 (2022): Jurnal Pendidikan dan Konseling
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (273.538 KB) | DOI: 10.31004/jpdk.v4i4.6498

Abstract

Kelurahan Lumbungrejo terletak di Kapanewon Tempel Yogyakarta yang terdiri dari 7000 penduduk tersebar di 10 dusun. Mata pencaharian utama adalah petani, buruh dan pedanag dengan tingkat pendapatan per bulan rata-rata 1 juta rupiah. Namun demikian, Ibu rumah tangga di kapanewon tempel mengaku pernah terlilit lintah darat dan secara umum mengaku tidak mengetahui konsep perencanaan keuangan keluarga yang benar. Latar belakang Pendidikan SMP dan SMA< serrta adanya warga yang menjadi tenaga migran di luar negeri, memberikan kesan bahwa literasi keuangan dan otomatis perencanaan keuangan di daerah ini masih rendah. Berdasarkan kondisi ini, maka program pengabdian ini mencoba untuk memberikan pemahaman dan meningkatkan tingkat literasi keuangan masyarakat di kapanewon tempel. Metode yang kami lakukan adalah (1) pembuatan modul perencanaan keuangan Syariah beserta pendampingan penggunaan aplikasi perencanaan keuangan (Indonesia Financial Planning Engine – IFPE Syariah), dan (2) mengundang 15 peserta yang direkomendasikan oleh Kepala Kelurahan Lumbungrejo yang mencakup 10 orang perwakilan dari dukuh dan 5 orang perwakilan dari staf kelurahan, dan (3) pelatihan dan sertifikasi perencanaan keuangan keluarga berbasis aplikasi, serta (4) launching komunitas perencana keuangan sebagai wadah untuk bertukar info dan kegiatan. Dalam praktiknya, kami berkolaborasi dengan Lembaga Sertifikasi Profesi Universitas Internasional Semen Indonesia (UISI) yang memiliki izin dalam melakukan sertifikasi. Setelah mengikuti pelatihan selama 2 hari penuh, ke-15 peserta mengikuti ujian yang meliputi ujian: (1) perencanaan anggaran, (2) perencanaan asuransi jiwa syariah, (3) perencanaan dana pension, (4) perencanaan dana Pendidikan anak, (5)perencanaan pembelian rumah, (6) perencanaan ibadah haji, dan (7) laporan keuangan pribadi. Setelah kami nilai dan cermati, ke-15 peserta dinyatakan lulus dan mendapat gelar non akademik Associate Wealth Planner (AWP) Syariah. Selain itu, berdasarkan survey evaluasi kegiatan, 90 persen peserta menyatakan puas, 96 persen mengaku kegiatan ini penting dan bermanfaat, serta berdasarkan pre-dan post tes, didapatkan ada kenaikan 13 persen dalam hal tingkat literasi keuangan peserta dari 60% ke 73%. Pihak kelurahan dan peserta berharap kegiatan ini bisa berlanjut melalui kegiatan yang dikelola dalam komunitas perencana keuangan yang sudah di launching.
Analysing Factors Improving Business Models of Fruit Parcel Enterprise in Jepara Central Java–Case Study Putra Karya Indah Parcel Dimas Bagus Wiranatakusuma; Nur Marina Binti Abdul Manap
Jurnal Kewarganegaraan Vol 6 No 2 (2022): Desember 2022
Publisher : UNIVERSITAS PGRI YOGYAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (563.519 KB) | DOI: 10.31316/jk.v6i2.3886

Abstract

AbstractBackground: “Putra Karya Indah” parcel is one of small enterprises in Jepara which has many years run the business in fruit parcel sector. Traditional managerial method is of among the crucial factors which makes the business development slowly increases. Hence, the program is created to observe. Method: This program was conducted through direct observation to Putra Karya Indah’s enterprise and literature analysis on how to improve the performance of the Putra Karya Indah, in particular, and other small enterprises (SE) in general. Result: According to the literature analysis, the main problem faced by SE is the dynamic capabilities among manager and leader who manage the enterprises. Therefore, to settle such problems, a resilient employee is need in the sense that they can balance between innovation and sustainability issue altogether. Conclusion: Putra Karya Parcel is a promising enterprise given long experience has been taking place over the years. However, business transformation either in the form of human management and business process need to be undertaken for ensuring the sustainability in the long run.Keywords: Business Models, Fruit Parcel Enterprise, Jepara
Educational Programs For Financial Planning in Jogahan Village, Kulon Progo, Yogyakarta Dimas Bagus Wiranatakusuma
Journal on Education Vol 6 No 1 (2023): Journal On Education: Volume 6 Nomor 1 Tahun 2023
Publisher : Departement of Mathematics Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joe.v6i1.4436

Abstract

Financial education is a strategy for mitigating the effects of unexpected financial crises. Planning is essential not only for organizations, but also for people and households. However, when compared to financial planning in practice, such as investment or saving recommendations, study focusing on financial education is uncommon. In our situation, for example, residents of Jogahan village are illiterate and admit to lacking financial planning expertise. As a result, the purpose of this study is to evaluate the efficacy of a month-long financial education program aimed primarily at children, youth, and society in general. According to the results, the programs achieve an 80% degree of success from the intended targets. The programs helped them improve their financial literacy, which included financial planning. However, this application did not teach them using an algorithm that can indicate the optimal composition of assets accumulated in order to maintain their life sustainability. Financial education, in the long term, contributes to a more sustainable existence as well as a more resilient economic society.
Analyses of Relationship between Economic Growth and Zakat Distribution: Some Comparative Studies between Indonesia and Malaysia Dimas Bagus Wiranatakusuma; Habibullah Habibullah
EKUILIBRIUM : JURNAL ILMIAH BIDANG ILMU EKONOMI Vol 19, No 1 (2024): March
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/ekuilibrium.v19i1.2024.pp18-41

Abstract

Zakat serves as an economic instrument within the framework of Islam and can serve as a substantial source of revenue for the state, contributing to the funding of various expenditures. In contrast to alternative revenue streams, zakat possesses explicit and comprehensive guidelines on its acquisition and allocation. The state bears the task of maximizing the efficiency of zakat institutions to effectively mobilize and allocate zakat monies as a catalyst for economic development. Indonesia utilizes a bottom-up approach for the collection of zakat, whereas Malaysia follows a top-down approach. Therefore, the present investigation focuses aims to examine the impact of zakat distribution on economic development in two selected nations. The examination focused on many variables, including GDP, Gini index, inflation, and zakat distribution. The period for the analysis spanned from 2001 to 2019, and the ARDL approach is being used for the purpose of doing data analysis. The findings suggest that the distribution of zakat did not exert a statistically significant impact on economic development, either in the short-term or long-term, within the contexts of both nations. Therefore, there is a need to promote the professional and efficient management of zakat to enhance its collection and facilitate its effective distribution.
Use of Call Balban Application in Assisting Motorcyclists Melda Nurfadilah Rudiana; Levyna Cabytta Prasellina; Dimas Bagus Wiranatakusuma
Proceedings International Conference on Sustainable Innovation (ICoSI) Vol. 3 No. 1 (2023)
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/icosi.v3i1.106

Abstract

This study aims to develop a system that allows motorists to easily call a tire repair technician via an Android-based smartphone. The method used in compiling this research consists of data collection. analysis of user requirements, analysis of functional requirements and analysis of application system requirements. The tire patch application in this digital era provides a solution that helps motorists overcome the problem of flat or punctured tires. Suggestions that can be given to assist the development of tire patch location search applications for further development can be done by adding information on the location of tire patches that are open or closed both day and night and similar research can also be carried out with mobile-based applications.
Determinants Factor of The Use Of E-Wallets for Students and According to The Islamic Perspective Deby Alicia Zurly; Dimas Bagus Wiranatakusuma; Alvaizy Dwi Putra Paputungan
Proceedings International Conference on Sustainable Innovation (ICoSI) Vol. 3 No. 1 (2023)
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/icosi.v3i1.107

Abstract

One of the best inventions of the 21st century is the electronic wallet (e-wallet) which is an integral part of the electronic payment system. As of today, almost all citizens in Indonesia use e-wallets as a payment method. E-wallet is an application or feature developed to make it easier for users to make payments. The use of e-wallets can be accessed easily via the internet, can have a positive impact and also have a negative impact on the use of electronic money services.The study involved students consisting of a man, as well as a woman with ages varying from 19 to 24 years old. Using a qualitative approach, this study uses in-depth interviews as a data collection technique and also obtains from relevant websites or journals. This research shows that E-wallets have grown very rapidly and are used by various groups, including students as millennials. E-wallets are not only understood as a place to store money electronically, but also as a digital payment system with various features, such as top ups, bill payments, bank card storage, money transfers and withdrawals, etc. Students use e-wallets for various purposes, such as paying for online transportation, buying food/drinks, paying bills, etc. There are several fundamental reasons students use e-wallets as a payment method because of the promos offered, ease of transactions, and ease of operation. . In using e[1]wallets, students not only feel comfortable in shopping, but also the convenience of paying because it can be done anywhere as long as the user is connected to the internet. Various conveniences offered by e-wallets, one of which is the simple appearance of the application that allows many users to understand how to operate it quickly
The Influence of Blackpink As A Brand Ambassador to the Purchase Intention at Shopee Engrasia Putri Johana; Dimas Bagus Wiranatakusuma
Proceedings International Conference on Sustainable Innovation (ICoSI) Vol. 3 No. 1 (2023)
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/icosi.v3i1.108

Abstract

The research was taken under the title The Influence of BLACKPINK as a Brand Ambassador to Purchase Intentions at Shopee because researcher sees Shopee as an e-commerce that usually uses brand ambassadors to attract the consumer’s interest. One of their brand ambassadors is BLACKPINK. BLACKPINK is a Korean girl group that famous since their debut in 2016 by the power and the stronger on their character. Because of this Shopee sees opportunities from the spread of Korean pop or K-pop culture in all walks of life. So, the purpose of this study is to find out how much the influence of brand ambassadors have on increased buying interest in Shopee. the research used qualitative approach by having an interview with 4 interviewees and 4 previous research papers to find out the reasons and effects they felt during BLACKPINK becoming Shopee's brand ambassador. The research found that previous success during BLACKPINK's time as a brand ambassador was due to the event and supported there was a free shipping voucher given by Shopee to attract purchases
Analysis of Financial Literacy: Case Study on Vulnerable Youth in Yogyakarta Elvina Nabilah Abbas; Dimas Bagus Wiranatakusuma; Febby Ferlita Ardyanti
Proceedings International Conference on Sustainable Innovation (ICoSI) Vol. 3 No. 1 (2023)
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/icosi.v3i1.109

Abstract

In Indonesia the rate of literacy and inclusion is still low and its significant with the condition of economics now. Young people as pillars of the future civilization still need learning skill for the future especially in Yogyakarta as the city of the student. This study aims to described financial literacy and factors that affecting financial literacy of vulnerable youth in Yogyakarta. This study was qualitative with interview as a method of data collection and descriptive as a data analysis technique. The interview was semi-structured and the interviewees were vulnerable youth in Yogyakarta with some requirements. This study found that financial literacy in vulnerable youth in Yogyakarta are in medium level. Next, for the data that that not all conditions experienced by a vulnerable youth affect their financial literacy. For everyone in any situation can now obtain proper financial literacy and for influencers present a lot of financial literacy content. The government should give the explanation that financial literacy is not difficult to obtain.