Effect of Increasing Use the Card Payment Equipment on the Indonesian Economy

Non-cash payments have been increasing significantly, followed by its substitution andefficiency effects. Cash payment is substituted, inducing a decrease of cash holding by economicagents, while on the other hand more money enters the banking system. The increase of non-cashpayments also cuts transaction costs, and the economy runs more efficiently. Using Vector ErrorCorrection Model (VECM), its impacts on the economy are investigated. The result shows thatcash holdings decrease, while money stock M1 and M2 increase. The increase of non-cashpayments also induces GDP growth and slight price decrease

Impact of Monetary Policy on Consumption and Investment in Indonesia

Monetary policy transmission mechanism has a complex process since its implementation it involves changes on banking sector, economic actors, the length of time in implementing policies, as well as changes in monetary policy transmission channels according to economic condition of the country. This study aims to examine how consumption and investment respond to monetary shocks that occur in Indonesia. These results indicate that the impact of monetary policy on consumption due to changes in interest rates is larger and more sensitive than investment, according to the impulse response test. The main channel of the effect of policy shocks obtained from consumption is transmitted to output. Therefore, the monetary policy issued by Bank Indonesia will have a greater impact on household spending than corporate spending. This means that channel consumption is the main mechanism of transmission

REMITANSI DAN PERTUMBUHAN EKONOMI: Studi Empiris Di 5 Negara ASEAN

Kondisi makroekonomi suatu negara tidak dapat dipisahkan dari kebijakan moneter negara tersebut. Mekanisme transmisi kebijakan moneter memberikan penjelasan mengenai bagaimana perubahan instrumen kebijakan moneter dapat mempengaruhi variabel makro ekonomi lainnya hingga terwujud sasaran akhir kebijakan moneter yakni pertumbuhan ekonomi. Penelitian ini memiliki tujuan untuk melihat pengaruh penerimaan remitansi, pembentukan modal tetap bruto, ekspor dan jumlah populasi dalam mempengaruhi pertumbuhan ekonomi. Pertumbuhan ekonomi merupakan salah satu indikator untuk mengukur kondisi makroekonomi negara, indikator tersebut menunjukkan tingkat kesejahteraan dan merupakan fenomena penting bagi suatu negara, baik negara maju maupun negara berkembang. Remitansi merupakan sumber pendanaan eksternal yang dinilai lebih stabil dibandingkan FDI atau ODA. Melalui transmisi kebijakan moneter jalur nilai tukar, remitansi diproyeksikan akan meningkatkan pertumbuhan ekonomi, begitu juga dengan variabel makro lainnya. Penelitian ini memiliki tujuan untuk menganalisis pengaruh remitansi, pembentukan modal tetap bruto (PMTB), ekspor dan populasi terhadap pertumbuhan ekonomi di 5 negara ASEAN. Data yang digunakan dalam penelitian ini adalah data sekunder dengan metode penelitian regresi panel yaitu kombinasi data cross-section dan runtut waktu dengan periode penelitian 2008 sampai 2020

Pemberdayaan masyarakat Desa Lelede melalui program pekarangan pangan lestari (P2L) dengan memanfaatkan pupuk organik sebagai campuran media tanam di polybag

Masyarakat Desa Lelede rata-rata memiliki pekarangan yang belum termanfaatkan dengan baik. Hal ini dikarenakan masih minimnya pengetahuan masyarakat terkait peran berbagai jenis pangan dan ketersediaan pangan rumah tangga. Dengan memanfaatkan lahan pekarangan rumah menjadi Pekarangan Pangan Lestari (P2L), merupakan salah satu potensi sumber daya yang dimiliki, sebagai alternatif untuk mewujudkan kemandirian dalam pemenuhan kebutuhan pangan rumah tangga. Kegiatan pengabdian kepada masyarakat ini dilaksanakan di Desa Lelede, Kecamatan Kediri, Kabupaten Lombok Barat oleh mahasiswa KKN MBKM Fakultas Pertanian, Universitas Mataram. Tujuan dari program ini adalah untuk meningkatkan keterampilan keluarga dan masyarakat dalam pemanfaatan lahan pekarangan untuk budidaya tanaman hortikultura. Peserta pelatihan berjumlah 20 orang terdiri dari kelompok wanita tani (KWT) Cempaka Bersatu dan KWT Nine Bersatu. Metode pelaksanaan program yaitu partisipatif, melalui tahapan survey lokasi dan analisis permasalahan, penyuluhan, demonstrasi, evaluasi pre-test dan post-test serta monitoring atau pendampingan. Kegiatan ini berhasil meningkatkan pengetahuan peserta sebesar 96%, serta meningkatkan minat dari seluruh peserta (90%) untuk membudidayakan tanaman hortikultura secara mandiri, dengan pemanfaatan pekarangan rumah

SOSIALISASI KAMPUS MERDEKA PADA STIE TUAH NEGERI

Fenomena wabah covid-19 dan keharusan seorang dosen dalam proses belajar mengajar yang kreatif dan inovatif tak lepas dari peran pemerintah yang cepat tanggap khususnya di Perguruan Tinggi yaitu Merdeka Belajar Kampus Merdeka atau biasa disebut dengan MBKM yang memiliki setidaknya 8 pokok utama dibuatnya kebijakan tersebut. Kegiatan ini merupakan bentuk pengabdian kepada masyarakat dimana mahasiswa relawan pajak melakukan Kerjasama dengan kampus STIE Tuah Negeri kota Dumai yang dilakukan selama dua hari, dengan kegiatan utama nya yaitu Sosialisasi Kampus Merdeka dilakukan pada hari kedua. Hasil penelitian menunjukkan bahwa untuk skala penilaian sangat setuju pada indikator 1 adalah sebesar 79,9%, indikator 2 sebesar 74,6% dimana terdapat selisih 5,3%, sedangkan indikator 3 sebesar 72,4% dimana terdapat selisih 2,2% dari nilai indikator sebelumnya. Namun rata-rata hasil indikator masih diatas 75% yang artinya hampir seluruh peserta sangat setuju dengan sosialisasi kampus merdeka yang diadakan pada STIE Tuah Negeri. Dari hasil penelitian tersebut diharapkan implementasi dan evaluasi kegiatan ini nantinya dapat berjalan dengan baik, walaupun tidak semua pokok utama kegiatan yang dijalankan namun setidaknya kegiatan ini dapat memberikan manfaat yang nyata dimulai dari level mahasiswa, level prodi, hingga level universitas secara umumny

Sentiment Analysis of Beauty Product Applications using the Naïve Bayes Method

The number of beauty products that appear on the market makes every producer compete in attracting consumers. One of the facilities provided by manufacturers to make it easier for consumers to shop is an online shopping application that can be accessed via gadgets. Where the feature of the application is the availability of user review services User reviews are often used as a recommendation for the product to be purchased. The more positive the reviews that appear, the greater the consumer's confidence to buy the product; conversely, the more negative the reviews that appear, the more reluctant consumers are to buy. This study aims to find out how much accuracy the Naïve Bayes algorithm has in conducting sentiment analysis on user reviews of beauty product applications with different combinations of training and test data. Furthermore, it is also important to know the frequency of words that often appear in the review. The sentiment class used is divided into three, namely, positive, negative, and neutral. This research method includes a number of stages, namely: data collection, data labeling, text pre-processing, data visualization, TF-IDF, sentiment analysis, etc., until the results are obtained. This research has produced the highest accuracy rate of 90.08% in the Naïve Bayes algorithm, with a composition of 90% training data and 10% test data. While the word that often appears in user reviews is "application," with a frequency of 446 occurrences, it is followed by the word "product," 444 times, and the word "price," 312 times. The greater the amount of training data used, the higher the level of accuracy resulting from the Naïve Bayes algorithm. Meanwhile, the greater the amount of test data used, the lower the resulting accuracy value

Analisis Perbandingan Pengaruh Instrumen Moneter Syariah Dan Konvensional Terhadap Penyaluran Dana Ke Sektor Properti Di Indonesia Periode 2014-2020

Penelitian ini bertujuan untuk menganalis perbandingan pengaruh instrumen moneter syariah dan konvensional terhadap penyaluran dana ke sektor properti melalui perbankan syariah dan konvensional dari Januari 2014 hingga September 2020 dengan menggunakan metode VAR/VECM yang dianalisis melalui Impulse Response Function (IRF) dan Forecast Error Variance Decomposition (FEVD). Hasil penelitian pada model konvensional menunjukkan bahwa suku bunga kredit berpengaruh positif signifikan dalam jangka panjang serta suku bunga PUAB memiliki pengaruh negatif signifikan terhadap kredit properti. Disamping itu, hasil penelitian pada model syariah menunjukkan bahwa bonus SBIS dan PLS berpengaruh positif signifikan terhadap pembiayaan properti serta bagi hasil PUAS berpengaruh signifikan negatif terhadap pembiayaan properti. Berdasarkan hasil FEDV, SBI memiliki pengaruh yang besar terhadap kredit properti dibandingkan dengan PUAB dan IR pada model konvensional sedangkan pada model syariah SBIS

ALAT PEMBAYARAN MENGGUNAKAN KARTU DAN PERMINTAAN UANG KARTAL (Studi Kasus Indonesia dan Malaysia)

This thesis aims to analyze the influence of means of payment using the card on the demand for money, especially currency in Indonesia and Malaysia in the long term and short term. The data used in this research is secondary data in the form of time series data (time series) monthly from 2008:01 until 2010:12. The variable used is real demand for currency as the dependent variable, whereas real PDB, interest rates, interest parity condition, and means of payment transactions using the card as independent variables. The methods of analysis used in this study are Engle-Granger co integration test and Error Correction Model (ECM). State assessment results for Indonesia and Malaysia show the long term, means of payment using the card has a positive effect on currency demand. Thus the increase in means of payment using the card has not been able to lower demand for currency in these countries. This may be caused by cultural society in Indonesia and Malaysia, where residents still prefer to hold cash because it is the most liquid. In the short term, for the state of Indonesia, means of payment transactions using the card has a positive impact on the demand for currency, is in contrast to Malaysia, where the variable is actually not significantly affect the demand for currency. For the case of Malaysia, perhaps this is because the kind of outstanding APMK still dominated by credit cards, so people still need currency for payment transactions daily. Thus the means of payment using the card, which consists of atm card, atm card + debit and credit cards both in Indonesia and Malaysia, although the development has increased in the last three years but still not able to substitute a cash payment and reduce the demand for currency in the community

The Effect of Research and Development (R&D) Investment, E-Commerce Company Employee, and E-Commerce Transaction Volume on Economic Growth in Indonesia 2010Q1 – 2020Q4

This study aims to analyze the effect of R&D investment, the volume of e-commerce transactions, and e-commerce companies employee on economic growth in Indonesia for the period 2010Q1 – 2020 Q4. The analytical method used in this study is OLS (Ordinary Least Square) anda method using time series data in the form of quarterly from 2010 to 2020. In conducting this research the author uses the help of the E-views 9 analysis tool. The results of this study are that the variables of R&D investment, e-commerce companies employee, and the volume of e-commerce transactions have a partial or joint effect on economic growth in Indonesia in 2010 Q1 to 2020 Q4

Guru Penggerak Sebagai Bentuk Peningkatan Kualitas Pendidikan

This study aims to determine the role of driving teachers in improving the quality of education in Indonesia. Without the role of a teacher, education will not run well even though advanced technology has been used, because the teacher's role cannot be completely replaced by tools or technology. The research method used is a qualitative method with a literature review (library research). The results of the study reveal that education in Indonesia is currently implementing a pattern of education with teacher drivers in the independent learning curriculum. This driving teacher is an individual who can provide direction to his students to improve themselves thoroughly and have creative and innovative thinking. A driving teacher has a dual task as a leader, not only preparing a lesson plan (RPP) and explaining its contents, but a driving teacher must have the will and capacity to lead, innovate, and make improvements