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<![CDATA[Analysis of Bank Soundness Before and After the Pandemic: The RGEC Approach ]]>
<![CDATA[Alif Misbachul Arifin]]>
<![CDATA[ Journal of Economics Research and Social Sciences Vol 6, No 2: August 2022 ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Yogyakarta ]]>
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DOI: 10.18196/jerss.v6i2.15324
<![CDATA[The Covid-19 pandemic has affected activities in the financial services industry, especially the banking sector, due to a slowdown in the real sector and the corporate sector, which has not yet been able to operate thoroughly. Therefore, amid a pandemic like this, it is increasingly necessary for banks to maintain and improve their level of soundness so that they can minimize possible risks and identify problems earlier. Concerning the soundness of the banks, banks are required to conduct periodic self-assessments and take corrective measures effectively by using an assessment of several factors, including risk profile, good corporate governance (GCG), earnings, and capital, abbreviated as RGEC. This study aims to determine whether there are statistical differences in banking health conditions before and after the Covid-19 pandemic. The case studies used in this study were 13 banking companies listed on the Kompas 100 Index. Using the t-test and Wilcoxon test, no statistical differences were found in the level of bank soundness before and after the pandemic for each RGEC indicator except the loan to deposit ratio (LDR), return on earnings (ROE), return on assets (ROA), and operating costs of operating income (BOPO). This finding shows the lower liquidity capacity of banks after the pandemic.]]>
<![CDATA[Covid-19 Pandemic and School Dropout Rates: Empirical Evidence from Indonesia ]]>
<![CDATA[Ibnu Syukron Halid]]>
<![CDATA[ Journal of Economics Research and Social Sciences Vol 6, No 2: August 2022 ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Yogyakarta ]]>
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DOI: 10.18196/jerss.v6i2.15316
<![CDATA[The Covid-19 pandemic has disrupted all aspects of life, including the education aspect. The government then tackled the virus's transmission rate by issuing a policy to stop face-to-face learning activities and replace them with online learning activities. However, the inequality of information technology facilities has made it difficult for several regions in Indonesia to teach online. It more or less impacts the dropout rate, especially at the elementary school level. This study then aims to determine how much the Covid-19 pandemic affects the dropout rate in Indonesia at the elementary school level by considering other factors such as school facilities and infrastructure, children's academic abilities, and economic control variables. So far, no similar study discusses the pandemic's impact on the dropout rate measured quantitatively, especially in Indonesia. This study uses panel data analysis from 34 provinces in Indonesia from 2017 to 2021. The results indicate that the Covid-19 pandemic is associated with the dropout rate increasing at the primary school level by 36.4%.]]>
<![CDATA[The Role of Religious Aspects on Life Satisfaction: Case Study of Muslims in Indonesia ]]>
<![CDATA[Kiky Nur Fauzi]]>
<![CDATA[ Journal of Economics Research and Social Sciences Vol 6, No 2: August 2022 ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Yogyakarta ]]>
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DOI: 10.18196/jerss.v6i2.15325
<![CDATA[Religiosity aspect is the most important part in personal life. With religion, an individual can achieve true peace, including life satisfaction. Life satisfaction is actually one of the most important aspects of a goal in life. This study aims to determine the role of religiosity and economic aspect on the level of one's life satisfaction. Life satisfaction was measured using a life satisfaction scale, while religiosity was measured using subjective perceptions of religiosity, frequency of prayer, frequency of attending recitations, and affiliation to religious organizations. This study was limited to a sample of Muslims aged 15 to 64 years in the fifth round of the 2014 Indonesia Family Life Survey (IFLS) database. Using ordered logit regression, statistical evidence was obtained that the aspect of religiosity was positively related to life satisfaction. Each increase in one level of religiosity was associated with 8.1% increase in the probability of being satisfied. This finding is supported by variables that reflect other aspects of religiosity, such as an increase in one level of prayer frequency associated with an increase in the probability of being satisfied by 1.4%. Meanwhile, the economic aspects as measured by education level and work status are positively associated with life satisfaction.]]>
<![CDATA[Analysis of Cryptocurrency Investment Determinants ]]>
<![CDATA[Gigih Ganang Asyraf Rif’an]]>
<![CDATA[ Journal of Economics Research and Social Sciences Vol 6, No 2: August 2022 ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Yogyakarta ]]>
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DOI: 10.18196/jerss.v6i2.15317
<![CDATA[Various financial products have emerged in the era of the digital economy, including cryptocurrencies. In Indonesia, the Commodity Futures Trading Regulatory Agency (CoFTRA) regulates the use of cryptocurrencies. Cryptocurrencies are designated as investment assets that can be included as commodities in trading on futures exchanges but are prohibited from being used as a means of payment. Crypto investors in Indonesia alone in 2021 have reached 6.5 million people with a transaction value of Rp 370 trillion as of May 2021. This number continues to increase from the previous year, making crypto investors bigger than stocks or mutual funds. This study then analyzes the factors influencing the Indonesian people's interest in investing in cryptocurrencies. Data collection techniques were collected through questionnaires distributed online to 97 respondents, while data processing used multiple regression analysis. The findings of this study indicate that yield and flexibility have a positive and significant effect on interest in investing in cryptocurrencies. Meanwhile, the prohibition of cryptocurrencies has a negative impact on interest in investing in cryptocurrencies.]]>
<![CDATA[Fear of Missing Out and Student Interest in Stocks Investment during Covid-19 Pandemic ]]>
<![CDATA[Dony Sudrajat]]>
<![CDATA[ Journal of Economics Research and Social Sciences Vol 6, No 2: August 2022 ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Yogyakarta ]]>
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DOI: 10.18196/jerss.v6i2.15319
<![CDATA[The emergence of the Covid-19 virus in Indonesia for the first time in March 2020 immediately had a significant impact on the condition of the domestic stock market. However, while the pandemic occurred, the number of capital market investors increased almost three times in 2019. Based on demographic data at the Indonesian Central Securities Depository, students are the second-highest number of investors. This study aims to analyze whether the fear of missing out factor affects student behavior in making stock investment decisions during the covid-19 pandemic. Fear of missing out on investment is the behavior of investors dependent on social media. Such behavior cannot be separated from students who tend to be more active in using social media, especially amid a pandemic. This study takes a case study of students from Universitas Muhammadiyah Yogyakarta, considering that this campus has a proactive student activity unit in terms of stock investment, namely the Capital Market Study Group. The data collection technique was in the form of a questionnaire distributed to 100 respondents, and the data was then processed using multiple regression analysis. This study shows that fear of missing out has a positive and significant relationship with student interest in stocks investment along with return variable, stock prices, and age.]]>
<![CDATA[The Impact of Negative Externality of Waste on The Coastal Beach of Lampung for The Community from an Islamic Economic Perspective ]]>
<![CDATA[Fanny Budhi Kusuma]]>;
<![CDATA[Habib Ali Pratama]]>;
<![CDATA[Hermawan Aulia]]>;
<![CDATA[Dania Hellin Amrina]]>
<![CDATA[ Journal of Economics Research and Social Sciences Vol 6, No 2: August 2022 ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Yogyakarta ]]>
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DOI: 10.18196/jerss.v6i2.13462
<![CDATA[The impact of negative coastal externalities in Lampung Bay has produced waste that pollutes the marine environment around the coast of Lampung Bay. Although it is not visible to the naked eye, residents feel negative impacts that have become serious problems that have not yet been entirely handled. This article aims to research, study and produce decisions regarding the externalities felt by the surrounding community regarding the impact of negative externalities generated from waste which is the source of all environmental problems in Lampung Bay, and what consequences they have from an Islamic economic perspective. In our research, the method used is field research carried out directly in the field based on population and sampling to determine the negative impact of waste on the community. Garbage is produced from a production process that inevitably has negative and negative externalities. The testimonies of residents, several magazines, and direct observations led this article to the conclusion that it is essential to conduct a particular study to decide which negative externality impact is more dominant regarding the causes of continued accumulation of waste from year to year as well as the factors and implications of problems related to waste in Lampung Bay.]]>
<![CDATA[The Role of Women's Participation in Development: Empirical Evidence from Indonesia ]]>
<![CDATA[Della Gusvi Lorenza]]>
<![CDATA[ Journal of Economics Research and Social Sciences Vol 6, No 2: August 2022 ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Yogyakarta ]]>
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DOI: 10.18196/jerss.v6i2.15322
<![CDATA[Improving the quality of human resources cannot be separated from the involvement of women. It is because increasing the capacity of women can encourage productive socio-economic activities as well as their capabilities and abilities in community institutions. This study then aims to determine how much women's involvement in government, employment, and household influences the Human Development Index in Indonesia. This study uses panel data analysis of 34 provinces in Indonesia from 2015 to 2020 with a fixed-effect model. The finding of this study is that there is no relationship between the involvement of women in parliament and the human development index. However, there is a positive and significant relationship between women's involvement as professionals and the human development index. The participation of women in the household has the most vital relationship with the human development index, where every 1% increase in the income contribution of women in the home is associated with an increase in the human development index of 1.64 points. Another finding from this study is that women who act as heads of families are associated with decreased human development index. It shows that women will play a more significant role in development as long as their part is not as the head of the family but as a supporter of the family economy.]]>
<![CDATA[The Strategy of Mataram Tourism Services in Growing the Tourism Sector in The Era of COVID-19 ]]>
<![CDATA[Muhamad Johari]]>;
<![CDATA[Sri Ayu Lestari]]>;
<![CDATA[Hariono Hariono]]>;
<![CDATA[Muhammad Azizurrohman]]>
<![CDATA[ Journal of Economics Research and Social Sciences Vol 6, No 2: August 2022 ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Yogyakarta ]]>
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DOI: 10.18196/jerss.v6i2.14373
<![CDATA[COVID-19 has caused numerous disasters in all sectors of the economy, including the tourism industry. Various regions continue to work to restore tourism activities to mitigate the impact that has occurred. This research aims to determine Mataram city tourism's economic recovery strategy during the COVID-19 pandemic. The descriptive qualitative research method was used in this study, with primary and secondary data obtained from the Mataram City Tourism Office, hotels, and restaurants. Data analysis techniques such as data reduction, presentation, and confirmation were used in this study. According to the study's findings, the Mataram City tourism office is attempting to mitigate the impact of COVID-19 through various programs involving tourism stakeholders. These programs include the implementation of CHSE, the creation of unique tours, digital tourism, promotions, and the provision of grants to tourism industry actors.]]>
<![CDATA[Internal Working Conditions and Well-being of Bank Employees during the Pandemic: A Case Study of Yogyakarta City ]]>
<![CDATA[Bagoes Setiawan]]>
<![CDATA[ Journal of Economics Research and Social Sciences Vol 6, No 2: August 2022 ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Yogyakarta ]]>
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DOI: 10.18196/jerss.v6i2.15323
<![CDATA[Since the pandemic conditions, the well-being of employees in Indonesia has continued to decline. The Work Trend Index survey from Microsoft stated that the level of employee well-being reached 68% in 2019, which then dropped to 61% in 2021. This decline in well-being is inseparable from the relationship between the company and employees, manifested in the internal work situation. This study aims to identify the influence of internal working conditions on the well-being of employees, especially in the banking sector, considering the pressure and work stress are pretty heavy. Banking employees are vulnerable to work stress due to high pressure, competition, and demands to provide the best service. Specifically, This study compares the well-being of employees in conventional and Islamic banks, considering that there are differences in the work system between the two. The city of Yogyakarta was then chosen as the object of this research because of the low City Minimum Wage (UMK) of Yogyakarta compared to the five other provincial capitals on the island of Java. The data obtained through a questionnaire from as many as 107 respondents were then processed using multiple regression analysis. The finding of this study is that the well-being of conventional bank employees is statistically higher than that of Islamic banks. In general, work pressure has a negative and significant effect on well-being. Like income, work motivation also positively and significantly impacts well-being.]]>
<![CDATA[The Effect of City/District Minimum Wages on Poverty Levels: A Case Study of the Special Region of Yogyakarta in 2010-2019 ]]>
<![CDATA[Resafilian Dwi Prayoga]]>;
<![CDATA[Dyah Titis Kusuma Wardani]]>;
<![CDATA[Romi Bhakti Hartarto]]>
<![CDATA[ Journal of Economics Research and Social Sciences Vol 6, No 2: August 2022 ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Yogyakarta ]]>
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DOI: 10.18196/jerss.v6i2.14401
<![CDATA[Poverty is still a complex economic problem in every country, especially in developing countries like Indonesia. One of Indonesia's provinces with a high poverty rate is the Special Region of Yogyakarta (DIY), which amounted to 11.44% in 2019. This figure is the highest in Java and even higher than the national poverty rate of 9.82%. The high level of poverty is in line with the regional minimum wage of the DIY Province, which is the lowest in Indonesia, which is less than Rp. 1.6 million per month. This study then analyzes the minimum wage at the poverty level in the Province of DIY. The method used in this research is panel data with Fixed Effect Model (FEM) for all districts/cities in DIY Province from 2010-2019. By controlling for variables such as economic growth, education, and health, the results of this study indicate that the minimum wage has a negative effect on poverty levels in the Special Region of Yogyakarta. Therefore, to accelerate poverty reduction in the DIY Province, the provincial and district/city governments must review the minimum wage calculation annually.]]>
