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Moneter : Jurnal Ekonomi dan Keuangan
Published by Asosiasi Riset Ekonomi dan Akuntansi Indonesia
ISSN : 30258073     EISSN : 30254663     DOI : 10.61132
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
Ilmu bidang Ekonomi dan Akuntansi, sebagai media bagi para dosen, guru, peneliti dan para praktisi dalam bidang Ekonomi dan Manajemen
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 210 Documents
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The Determinants of Financial Performance in Indonesian Banking Industry : Testing Interaction Effect of Size Jennifer Wirawan; Wendy Wendy
Moneter : Jurnal Ekonomi dan Keuangan Vol. 3 No. 2 (2025): April : Moneter : Jurnal Ekonomi dan Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/moneter.v3i2.1313

Abstract

This research was made to examine the determinants of financial performance of banking companies in Indonesia. There are four independent variables (board of diversity, net interest margin, operational efficiency, and liquidity risk) and a moderating variable (firm size) have been analyzed in this research. Testing the interaction effect of firm size in explaining the influence of these four independent variables on banking financial performance is still very limited. This quantitative research was analyzed by using secondary data from audited annual reports of the company. The purposive sampling technique was used to choose the research’s samples during the observation periods (2018-2022) and obtained 200 observations (40 samples over 5 years of research). Panel data regression with the EViews program was used to test the eight hypotheses which was developed in this research. The results of the Chow test and Hausman test confirm the use of the Random Effect Model in the analysis. The findings from testing the interaction model show that firm size does not moderate the influence of board of diversity and net interest margin on financial performance, while for operational efficiency and liquidity risk variables, the firm size shows a pure moderating role for the both.
Analisis Strategi Penyelesaian Kredit Macet terhadap Kinerja Keuangan Koperasi Simpan Pinjam Semerbak Citra Wangon: Pendekatan Matriks SPACE Ergita Rahma D; Reifka Nur Amalia; Silfi Dwi Y; Yoiz Shofwa Shafrani
Moneter : Jurnal Ekonomi dan Keuangan Vol. 3 No. 3 (2025): Juli : Moneter : Jurnal Ekonomi dan Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/moneter.v3i3.1359

Abstract

This study looks at bad debt resolution strategies and their effect on the financial performance of Semerbak Citra Wangon Saving and Loan Cooperative (KSP) using the SPACE Matrix technique. The financial stability of cooperatives is severely threatened by bad debts, which can reduce liquidity and profitability. The four main dimensions of the SPACE Matrix approach - industry strength (IS), environmental stability (ES), competitive advantage (CA), and financial strength (FS) - were used to evaluate the cooperative's strategic position. The conclusion of the analysis, which places the cooperative in the aggressive quadrant (coordinates 5.00, 2.67), indicates that the cooperative has significant internal strengths and outward growth potential. Some recommended strategies include improved market segmentation, longer loan periods, liability restructuring, and lower interest rates. These strategies are expected to improve the cooperative's long-term financial stability and reduce the likelihood of bad debts.
Implementasi Program Edukasi Cinta, Bangga, Paham (CBP) Rupiah: Studi Empiris di Provinsi Jawa Timur Nur Indah Sari; Hadyantari, Faizatu Almas
Moneter : Jurnal Ekonomi dan Keuangan Vol. 3 No. 3 (2025): Juli : Moneter : Jurnal Ekonomi dan Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/moneter.v3i3.1363

Abstract

This study aims to analyze how the implementation of the Love, Proud, Understand (CBP) Rupiah education program in East Java affects the economy of East Java and analyzes the challenges that occur in the implementation of the CBP program in East Java. And, evaluate the implications of the CBP program in influencing the economy of East Java. Through the literature study analysis method with data and information collection based on the results of field visits related to the CBP socialization activities of Bank Indonesia East Java and through searches, such as scientific journals and other relevant documents. The results show that the CBP program has an important role in increasing awareness of the Rupiah and has a positive impact on the economy of East Java, especially on East Java's financial literacy. There are challenges faced by Bank Indonesia East Java, such as the widespread use of foreign currency in several sectors of the economy and limited access to financial services in remote areas. The conclusion of this study is the need for Bank Indonesia to make efforts to ensure that the CBP Rupiah program can reach all levels of society and have a broader impact on economic stability.
Strategi dan Distribusi Harga Produk Pegadaian Syariah dalam Meningkatkan Ekonomi Umat Muhammad Yudha Ardiansyah; Muhamad Zen; Fatmawati Fatmawati
Moneter : Jurnal Ekonomi dan Keuangan Vol. 3 No. 3 (2025): Juli : Moneter : Jurnal Ekonomi dan Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/moneter.v3i3.1387

Abstract

Pegadaian Syariah plays an important role in strengthening the people's economy through the provision of financial services in accordance with Sharia principles. This study aims to analyze the pricing and distribution strategies of Pegadaian Syariah products and their impact on the economic growth of the community. The research method uses a qualitative approach based on literature studies and secondary data analysis. The results of the study show that Pegadaian's Sharia pricing strategy pays attention to the principles of justice and affordability, while product distribution is carried out through service digitalization, expansion of branch office networks, and strategic partnerships. The use of these two strategies has proven effective in increasing the accessibility of Pegadaian Syariah services, accelerating financial inclusion, and encouraging the growth and empowerment of micro, small, and medium economies based on Sharia.
Peran Ekonometrika dalam Perencanaan Pembangunan Daerah Devi Tridayanti; Ismaul Lili Rahma; Adip Nainul Amani; Gustina Masitoh
Moneter : Jurnal Ekonomi dan Keuangan Vol. 3 No. 3 (2025): Juli : Moneter : Jurnal Ekonomi dan Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/moneter.v3i3.1393

Abstract

The issue of fairness in regional development in Indonesia remains a significant challenge, particularly concerning the disparities between urban and rural areas, Java and outside Java, as well as between the western and eastern regions of Indonesia. This imbalance reflects an uneven distribution of investments influenced by the national political-economic structure. The sectoral development approach has been deemed inadequate in addressing these disparities, making the regional-based approach an alternative option to prioritize development in accordance with local potential. Several regional growth theories, such as the export base theory, resource advantage theory, and neoclassical approach, assert that a region's economic growth heavily depends on the availability of natural resources, labor, capital, and technological innovation. The primary indicator for assessing growth and economic well-being in society is Gross Domestic Product (GDP) The increase in GDP accompanied by a decrease in the unemployment rate serves as an indicator of successful development. Therefore, the strengthening of regional development needs to be accompanied by equitable investment strategies and approaches that are appropriate to local characteristics so that the growth achieved can be inclusive and fair.
Analisis Pengaruh Anggaran Pendapatan dan Belanja Negara Terhadap Pertumbuhan Ekonomi di Indonesia Aisyah Khairani Lubis; Syarifah Khairatun Hisan; Ahmad Wahyudi Zein
Moneter : Jurnal Ekonomi dan Keuangan Vol. 3 No. 3 (2025): Juli : Moneter : Jurnal Ekonomi dan Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/moneter.v3i3.1460

Abstract

The State Revenue and Expenditure Budget (APBN) is a fundamental fiscal policy instrument for realizing national development and public welfare. This study aims to analyze the correlation between APBN management and Indonesia’s economic growth, focusing on the effectiveness of government spending and oversight of budget misappropriations. Based on the 2023 audit report by the Supreme Audit Agency (BPK), financial losses due to APBN mismanagement reached IDR 8.2 trillion, highlighting the weakness in financial oversight and transparency. Using a descriptive qualitative approach, this study explores the significance of budget efficiency and the implementation of APBN’s fiscal functions in supporting macroeconomic stability. The findings suggest that government spending significantly influences economic growth, yet its effectiveness is heavily dependent on robust monitoring systems and sound fiscal strategies. Therefore, strengthening fiscal transparency and supervision is crucial to prevent state losses and promote equitable development.
Analisis Pemanfaatan Mobile Commerce untuk Penjualan Kartu Operator di Grapari Telkomsel Bali Iwan Setiawan; Aditya Faqih Ramadhani M; I Made Acharya Deva A
Moneter : Jurnal Ekonomi dan Keuangan Vol. 3 No. 3 (2025): Juli : Moneter : Jurnal Ekonomi dan Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/moneter.v3i3.1464

Abstract

Mobile commerce has become a crucial element in the business world, opening up new opportunities to increase efficiency and effectiveness in operator card sales. This research aims to investigate the extent to which the use of mobile commerce can be applied to improve operator card sales performance. Research methods include customer surveys, transactional data analysis, and interviews with relevant stakeholders. Data was collected to evaluate mobile commerce adoption, factors influencing usage, and its impact on increasing operator card sales. The research results show that the use of mobile commerce has significant potential to optimize the operator's card sales process. Factors such as user convenience, transaction security, and accessibility of product information play an important role in the acceptance of this technology. By implementing mobile commerce effectively, companies can expand market share, increase customer satisfaction, and achieve sustainable business growth. These findings provide strategic insight for developing business models that are more adaptive to mobile commerce trends. Practical implications of the research results are also discussed, providing guidance for telecommunications companies and operator card providers in increasing the use of mobile commerce as an innovative sales strategy.
Analisis Strategi Keunggulan Bersaing Mie Gacoan Indonesia Erwin Permana; Anwar Alif; Krisna Agung Rahmanda
Moneter : Jurnal Ekonomi dan Keuangan Vol. 3 No. 3 (2025): Juli : Moneter : Jurnal Ekonomi dan Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/moneter.v3i3.1478

Abstract

The development of culinary tourism in Indonesia is growing rapidly. Various new types of food, new menus with new names, and new ways of serving food continue to emerge. Mie Gacoan is one of Indonesia's original culinary delights, with a variety of unique menus and names. Mie Gacoan has become one of the most popular spicy noodle products in Indonesia. This study aims to analyze the competitive advantage strategies of Mie Gacoan in Indonesia. The research was conducted using a qualitative descriptive approach. Data collection was carried out through in-depth interviews, digital observations, and documentation. The results of the study indicate that Mie Gacoan's success in attracting and retaining customers amid intense culinary business competition is driven by several key factors, including product differentiation through variations in spicy noodle menus with adjustable levels of spiciness, creative menu names, and continuous product innovation, which serve as the main attractions for consumers. Effective digital marketing strategies through social media, competitive pricing, operational efficiency in service, and strong branding also significantly contribute to Mie Gacoan's competitive advantage. To maintain its position in the market, Mie Gacoan must continue to innovate, adapt to consumer trends, and leverage customer data to enhance overall satisfaction. As a result, Mie Gacoan has successfully established a strong foundation for sustainable growth in Indonesia's culinary industry.
Pengaruh Ulasan dan Rating Produk terhadap Minat Beli Berdasarkan Kelompok Usia pada Platform E-commerce Andri Suwendi; Nabila Indriani; Najla Sahla Sahira; Mia Lasmi Wardiyah
Moneter : Jurnal Ekonomi dan Keuangan Vol. 3 No. 3 (2025): Juli : Moneter : Jurnal Ekonomi dan Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/moneter.v3i3.1498

Abstract

This study aims to determine whether there is a significant difference in the influence of product reviews and ratings on purchase intention on e-commerce platforms based on age groups. The research used a quantitative approach with a comparative design. A total of 42 respondents participated, consisting of 21 individuals under the age of 25 and 21 individuals over the age of 25. Data were collected using a Likert-scale questionnaire covering three main aspects: product reviews, product ratings, and purchase intention. All 15 statements in the questionnaire were tested and found to be valid. Data analysis included validity testing, reliability testing, normality testing, and the Mann-Whitney U test to compare age groups. The results showed a significant difference between the two age groups regarding the influence of reviews and ratings on purchase intention. These findings indicate that age influences how individuals respond to evaluative information on e-commerce platforms. Therefore, digital marketing strategies should consider demographic differences to more effectively target diverse consumer groups.
Produk Kewirausahaan "Jek's Parfume" Iluh Nadila Rahma; Alvazaki Ikbar Maulana; Muhammad Yasin
Moneter : Jurnal Ekonomi dan Keuangan Vol. 3 No. 3 (2025): Juli : Moneter : Jurnal Ekonomi dan Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/moneter.v3i3.1512

Abstract

This assignment is compiled to fulfill the Entrepreneurship Application course which aims to equip students with basic skills in designing, developing, and implementing innovative and sustainable business ideas. In compiling this assignment, the author identifies business opportunities, designs business models, and analyzes the marketing, financial, and operational aspects of the chosen business idea. Through an applicative approach, this assignment also integrates entrepreneurship theory with field practice, so that it can improve students' understanding of the challenges and strategies in building a competitive business. The results of this assignment are expected to be the basis for students to develop a more structured and realistic startup business.

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