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All Journal Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan Owner : Riset dan Jurnal Akuntansi Wiga : Jurnal Penelitian Ilmu Ekonomi Assets : Jurnal Ilmiah Ilmu Akuntansi, Keuangan dan Pajak
Yohana Wahyu Prasetyowatie
Universitas Surabaya
Economics, Econometrics & Finance Social Sciences

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Determinan Efisiensi Teknis Belanja Pemerintah Sektor Pendidikan dan Kesehatan Kabupaten/kota di Provinsi Jawa Timur Prasetyowati, Yohana Wahyu; Haryanto, Tri
Assets : Jurnal Ilmiah Ilmu Akuntansi, Keuangan dan Pajak Vol. 2 No. 2 (2018): Juli 2018
Publisher : Institut Teknologi dan Bisnis Widya Gama Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (484.087 KB) | DOI: 10.30741/assets.v2i2.270

Abstract

Penelitian ini bertujuan untuk menganalisis determinan efisiensi belanja pemerintah bidang pendidikan dan kesehatan kabupaten/ kota di Provinsi Jawa Timur tahun 2010-2013 dengan menggunakan metode Data Envelopment Analysis (DEA) dan Metode Regresi Tobit. Hasil dari pengolahan DEA dengan MaxDea 6.0 menunjukkan pengeluaran pemerintah di sektor pendidikan dan kesehatan relatif tidak efisien. Persentase Rumah Tangga yang memperoleh pelayanan kesehatan gratis dengan kartu Jaminan Kesehatan Masyarakat memiliki pengaruh negatif dan PDB perkapita memiliki pengaruh positif terhadap efisiensi.
Kausalitas Pembangunan Keuangan dan Pembangunan Sumber Daya Manusia di ASEAN-4 Yohana Wahyu Prasetyowatie; Cynthia Yohanna Kartikasari; Muhammad Wisnu Girindratama
Owner : Riset dan Jurnal Akuntansi Vol. 6 No. 2 (2022): Artikel Volume 6 Nomor 2 April 2022
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/owner.v6i2.803

Abstract

The study analyzed the effect of Financial Development on Human Development from 2009 to 2020 in ASEAN-4 countries. Financial development is projected with domestic credit for the private sector, broad money ratio, economic growth, openness, inflation, and the proportion of government expenditure to GDP, while human development is projected with HDI. The tests used a data panel, and the results showed that domestic credit for the private sector had a significant effect on the increase in HDI values.
Financial Capability and Digital Adoption for Online Shopping Decision: Evidence from Surabaya Students Cynthia Yohanna Kartikasari; Yohana Wahyu Prasetyowatie
Wiga : Jurnal Penelitian Ilmu Ekonomi Vol. 12 No. 2 (2022): June 2022
Publisher : Institut Teknologi dan Bisnis Widya Gama Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30741/wiga.v12i2.810

Abstract

This study aims to examine the effect of financial capabilities and digital adoption on online shopping decisions. The research results explain that individual financial capabilities such as access to bank services, digital banking services, and consulting financial issues with professionals encourage online shopping transactions. Online consumer behavior is also determined by perceived risk, trust in service providers, technology adoption, and use of social media. The type of research was quantitative by interviewing random sampling Surabaya students. Data analysis used multiple linear regression tests through validity test in terms of determining the feasibility of the questions in the questionnaire and reliability test, which stated that the respondents' answers to the questions in the questionnaire were consistent and could be seen from the results of Cronbach’s Alpha. The next stage is the classical assumption test, multicollinearity test, heteroscedasticity test, and multiple linear regression test. In addition, hypothesis testing was carried out through the F-test, T-test, and coefficient of determination. The results showed that financial capability and digital adoption had a significant influence on online shopping decisions.
Determinants Of Non-Performing Loans In Indonesia Yohana Wahyu Prasetyowatie; Sugeng Hariadi
MediaTrend Vol 17, No 2 (2022): OKTOBER
Publisher : Trunojoyo University of Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/mediatrend.v17i2.17097

Abstract

Non-performing loans (NPLs) are a typical sign of stress testing from financial institutions and may be used to measure the financial system's health. The critical criterion for achieving financial system stability is macroeconomic stability. Instability in the financial system (financial crisis) impairs a bank's liquidity and might lead to more problematic loans, impacting other industries. The association between NPL and numerous macroeconomic variables, including Interest Rate Spreads, Inflation, Percentage of Open Disruption, and Amount of Foreign Exchange Reserves in Indonesia, is examined in this paper. The study used the Vector Error Correction Model (VECM) method to estimate data for a sample period of 2000 to 2020. In the long run, inflation factors, the number of open jobless, and the number of foreign exchange reserves all substantially impacted the ratio of non-performing loans, according to the findings. However, no variables influenced the percentage of non-performing loans in the short run.
Co-Authors Cynthia Yohanna Kartikasari Muhammad Wisnu Girindratama Sugeng Hariadi Tri Haryanto