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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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Faktor-Faktor Yang Mempengaruhi Keputusan Nasabah Memilih Produk Tabungan BritAma Bank BRI Di Kelurahan Fatukoa Kota Kupang Darius Lado Miha; Petrus E. De Rosari; Novi T. Kiak
Moneter : Jurnal Ekonomi dan Keuangan Vol. 2 No. 2 (2024): 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.v2i2.509

Abstract

The main problem in this research is what factors influence customer decisions in choosing BRI Bank Britama Savings Products in Fatukoa Village. The aim of this research is to see and explain what influences the decisions of Fatukoa Village customers in saving with Britama Savings Products. This type of research uses descriptive qualitative research. The data sources in this research are primary data and secondary data. Where data collection uses interview, observation, and documentation techniques. determining informants using Purposive Sampling, totaling 6 people. The time and place of the research was carried out in the 2023-2024 academic year, on a number of customers who live in Fatukoa Village, Kupang City. The results of this research explain that the factors that influence customers' decisions in choosing Britama Bank BRI savings products are influenced by cultural factors because cultural influences play a key role in customer decisions. The socialization process from the experience of being a customer for eight years, the use of banking products since the beginning of college, and the management of business transactions are the main factors in choosing Britama Savings. Social Factors due to the existence of reference groups, both from friends and family, have a big impact. Suggestions from friends about the benefits of interest rates and easy access to BRI Bank's online services, as well as recommendations from wives who are BRI Bank customers, are taken into consideration in the decision to save on Britama Products. Personal Factors due to Age, life cycle stage, work and economic environment are factors personal influences on product choices. The decision to save in BRI Bank Britama Products is based on long-term goals, investment, financial discipline, and economic considerations as well as income that can be invested, and Psychological Factors because the motivation for opening a Britama Savings account is related to biogenic and psychogenic needs, such as increasing pension funds, long-term investment, increasing financial discipline, and building savings habits. Trust and positive attitudes towards Britama products, supported by the reputation and security of BRI Bank, also play a key role in decision making. Apart from that, information from reference groups, socialization experiences, economic considerations, and trust in banking institutions are key factors that shape customer decision behavior.
Pengaruh Sektor Pariwisata Terhadap Pendapatan Asli Daerah (PAD) Di Kabupaten Alor Provinsi Nusa Tenggara Timur Conbaiamore Beri; Nikson Tameno; Aldarine Molidya
Moneter : Jurnal Ekonomi dan Keuangan Vol. 2 No. 2 (2024): 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.v2i2.510

Abstract

This study aims to analyze: 1) the effect of the number of tourists on local original income in Alor Regency, 2) the influence of tourist attractions on local original income in Alor Regency, 3) the effect of hotel occupancy rate on local original income in Alor Regency, 4) The effect of the number of tourists, tourist attractions and hotel occupancy rates in Alor Regency. The type of research used in this study is quantitative descriptive research. Data types and sources use a quantitative approach with secondary data in the form of time series data with an observation period of 2011-2021. The results showed that: hypothesis First, a positive and significant influence between the number of tourists on local original income in Alor Regency as shown by a coefficient value of -894960.9, Because the calculated t value is -0.332076 < t table 1.943 with a significant value of 0.7511 > α = 0.05, then reject Ho and accept Ha. This means that if the number of tourists increases by one percent, it affects the original income of the Alor Regency area by 0.332076.Second, tourist attractions have a significant and positive effect on the original income of the region in Alor Regency, which is shown by the value of the coefficient of 4.59E + 08. The value of this coefficient is significant because the calculated value of 0.607077 < ttable 1.943 and significant 0.5660 >α = 0.05 then reject H0 and accept Ha. This means that if the tourist attraction increases by one percent, the original income of the Alorakan Regency area increases by 0.607077. Third, the hotel occupancy rate does not significantly affect the local original income, which is indicated by the coefficient value of 6.44E+09. The value of this coefficient is not significant because the calculated value, 0.624792 > ttable of 1.943 with a significant value of 0.5551 >αα = 0.05 then reject H0 and accept Ha. This means that there is no influence between hotel occupancy rates on the original income of Alor Regency. Fourth, the number of tourists, tourist attractions and hotel occupancy rates simultaneously have a positive and significant effect on the original income of the Alor Regency area, which is indicated by the value of Fcalculate 53.71137 > Ftable 3.326 and a significant value of 0.038976<α = 0.05, then reject H0 and accept Ha. This means that the number of tourists, attractions and hotel occupancy rates can affect the variance in local original income by 54% and the rest is explained by other variables.
Pengaruh Ekspor Dan Impor Terhadap Neraca Perdagangan Di Indonesia Arifudin Arifudin; Salsa Nurhidayah; Sintiya Sintiya; Afifudin Afifudin; Arif Naofal Nabih
Moneter : Jurnal Ekonomi dan Keuangan Vol. 2 No. 3 (2024): 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.v2i3.562

Abstract

Indonesia has a direct relationship with export and import activities. The trade balance includes export and import activities, being a record that records all product transactions carried out by a country. As an important instrument, the trade balance provides a comprehensive picture of a country's export and import situation. When exports are less than imports, it is called a deficit, conversely, if exports are greater than imports, it is called a surplus. When exports and imports are balanced, the trade balance is considered equal. This research aims to identify the impact of imports and exports on Indonesia's trade balance in 2021. The research method applied is a quantitative approach, by collecting data and information from various sources and literature. The data was then processed and analyzed using a multiple linear regression model with the SPSS 25 software package and its data analysis capabilities. From the research results, it was found that the significance value of exports and imports was 0.00, which shows that exports and imports have quite a large influence on the trade balance in Indonesia. namely 0.921.
Pengaruh Penyaluran Kredit Perbankan Terhadap Pertumbuhan Ekonomi di Nusa Tenggara Timur Tahun 2013 – 2022 Ridho Christiadi Simbolo; Amanda Putri; Elfira Erlikasna Br Tarigan; Safira Kencana Putri; Aldivo Anugraha; Nurlela Nurlela; Disya Ayu Rivtryana
Moneter : Jurnal Ekonomi dan Keuangan Vol. 2 No. 3 (2024): 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.v2i3.608

Abstract

Banking plays a crucial role in society. Banks, as direct partners of the community, serve as the main drivers of the economy. The significance of the banking sector in shaping development directions, fostering economic growth, and enhancing societal welfare has been acknowledged by various societal elements. This study aims to examine the regression outcomes of variables such as working capital loans, investment loans, and consumer loans on economic upliftment in the region of East Nusa Tenggara Province. Multiple linear regression analysis, t-tests, and F-tests are employed as statistical methods to discern the relationships between several independent variables and the dependent variable in this research. Secondary data spanning a decade are collected from the Central Bureau of Statistics of East Nusa Tenggara Province. The findings reveal that economic growth in East Nusa Tenggara Province is positively and significantly influenced by investment loans and consumer loans, while working capital loans exhibit a negative and insignificant impact.
Analisis Pengaruh Belanja Modal Dan Tenaga Kerja Terhadap Pertumbuhan Ekonomi Di Indonesia Periode 2015-2022 Rhima Kusuma; Rivana Maharani; Septi Nur Sari; Muhammad Kurniawan
Moneter : Jurnal Ekonomi dan Keuangan Vol. 2 No. 3 (2024): 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.v2i3.618

Abstract

This research aims to analyze the workforce, both male and female workers, showing an insignificant negative impact on economic growth in Indonesia, which shows a reduction in poverty with an increase in poverty of 1%. The relationship between capital expenditure, labor force, and economic growth is analyzed, with the labor force variable showing an insignificant effect on economic growth. The R2 value of 0.524712 indicates that capital expenditure and labor force can explain 52% of the variance in economic growth in Indonesia. Autocorrelation testing using the Durbin Watson test is used to detect correlation between variables over time. Excess labor in certain sectors is seen as an opportunity, not a problem, because it contributes to increasing output and supports other sectors.
Analisis Efektivitas Realisasi Anggaran Pendapatan Belanja Daerah Kota Medan Tahun 2021-2023 Rinaldi Rinaldi; Alawi Parkindungan Hasibuan; Putri Kemala Dewi Lubis; Jelita Simanungkalit
Moneter : Jurnal Ekonomi dan Keuangan Vol. 2 No. 3 (2024): 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.v2i3.627

Abstract

Medan city is one of the largest cities in Indonesia. The increasing need for infrastructure amidst the increasing population in the city of Medan is a challenge that must be resolved. This research was conducted to evaluate the effectiveness of the Medan City Revenue and Expenditure Budget considering that the budget allocation for improving infrastructure that has been carried out by the Medan City Government is the government's priority. The research method used in this research is a descriptive analysis method with a qualitative approach. The results of the research found that effectiveness in managing the APBD is still less effective. In this case, the effectiveness of budget management still needs to be improved so that fund allocation can be optimized and create more inclusive and sustainable development.
Analisis Konsep Bank Sentral Dalam Penerbitan Uang Baru Untuk Mencegah Pemalsuan Uang Pada Jasa Penukaran Uang Pinggir Jalan di Saat Hari Raya Saqina Maulita Pradewi; Ananda Dheya Septy; Atalia Martha Puspita
Moneter : Jurnal Ekonomi dan Keuangan Vol. 2 No. 3 (2024): 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.v2i3.628

Abstract

Money changers are also increasingly developing not only in banks as official exchange places. On the eve of the holidays, some traders sell money on the side of the road. There is a phenomenon where money becomes something that is traded in the form of money exchange that often occurs before the holidays. This research uses a qualitative method. By using a qualitative approach, researchers can focus on attention and also natural events that occur. This research examines how the concept of central bank concept analysis in the issuance of new money to prevent counterfeiting of money on roadside money exchange services during the holidays. The conclusion is that transactions that always occur before the holidays with money exchange are considered violating the law because they do not comply with the standards of exchange transactions, which should always have goods traded rather than money.
Analisis Pengaruh Ekspor dan Impor terhadap Pertumbuhan Ekonomi di Indonesia Tahun 2012-2020 Agustina Dian Arini; Fitriana Putri; Retno Mutia Dewi; Sri Octa Wulandari; Misfi Laili Rohmi
Moneter : Jurnal Ekonomi dan Keuangan Vol. 2 No. 3 (2024): 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.v2i3.629

Abstract

This article aims to describe the impact and implications on Indonesia's economic growth from 2012 to 2020. This research is based on a literature review using a quantitative approach using secondary data obtained from the Central Statistics Agency (BPS). This research uses regression analysis, linear regression, multiple regression, with SPSS data management tools. The F test results show that exports and imports do not have a significant effect on economic growth in Indonesia. Overall, both do not have a significant impact on economic growth. All of the findings of this research highlight the importance of considering other factors that have the potential to influence Indonesia's economic growth rate. The implications of this research also provide a solid foundation for further research which may be able to explore other factors that have a greater influence on economic growth in Indonesia apart from export and import factors.
Peran SDA dan Teknologi Terhadap Perekonomian Pesisir Muhammad Yasin; Khosnol Khotimah; Alvazaki Ikbar M
Moneter : Jurnal Ekonomi dan Keuangan Vol. 2 No. 3 (2024): 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.v2i3.630

Abstract

Indonesia's marine natural resources are one of the efforts to support Indonesia's national development vision to become a maritime axis through the management and utilization of marine natural resources. According to Kartamihardja, et al (2009:3), fisheries potential is of the opinion that Indonesia's public waters have a high diversity of fish species, so that people can take advantage of this fisheries potential. Based on measured data, according to Nuitja (2019:1), Indonesia has 95,181 km of coastline, with approximately 5 million areas of economic exclusion zone. The enormous potential of marine resources needs to be utilized optimally to encourage the maritime sector in Indonesia.
Analisis Pengaruh Tingkat Pendidikan dan Pengangguran terhadap Angka Kemiskinan di Kabupaten Lampung Timur Tahun 2012-2022 Fajar Hamdan Nugraha; Prayoga Rahkmat Pratama; Yoga Hasbi Assidiq; Misfi Laili Rohmi
Moneter : Jurnal Ekonomi dan Keuangan Vol. 2 No. 3 (2024): 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.v2i3.631

Abstract

This research aims to describe how the level of education and unemployment influence poverty in East Lampung district. This research focuses on data for the period 2012 to 2022, using a multiple linear regression data processing approach where the results of the f test show that simultaneously The influence of education level and unemployment has a significant influence on poverty in East Lampung district, the education level variable has a significant negative effect on poverty while the unemployment variable has no influence on poverty in East Lampung district. It is hoped that this research can help government policies to minimize the occurrence of poverty, unemployment and motivate the population to continue to be highly educated so that the amount of poverty is reduced and can increase the value of the population's income and increase the regional GDP of East Lampung district.

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