Determinan Pola Konsumsi Dharuriyyah, Hajiyyah dan Tahsiniyyah (Studi Kasus Pengguna Marketplace di Kota Malang)

The advancement of technology in the era of digitalization offers convenience to consumers for quick and easy shopping through digital platforms such as marketplaces. Marketplaces provide various products and services, ranging from basic needs to luxury items. This convenience creates new opportunities and challenges in understanding consumer behavior, especially in terms of how a consumer's consumption patterns correspond with Islamic values in the context of meeting their needs. This research aims to analyze the determinants or factors influencing the consumption patterns of a Muslim consumer in meeting various levels of needs, such as financial literacy, hedonic motivation, technological proficiency, and price discounts. A case study was conducted on marketplace users in Malang City using a quantitative method and multiple linear regression analysis. The research results indicate that a consumer's financial literacy and technological proficiency, as well as the presence of price discounts, have an effect on their consumption patterns at the dharuriyyah, hajiyyah, and tahsiniyyah levels of need. However, hedonic motivation does not affect consumption patterns at all levels of needs. By understanding the effect of these factors on consumption patterns, this research offers valuable insights into how consumers perceive and prioritize their various needs in the ever-evolving digital environment

TRUMP’S ELECTED SHOCK EFFECT IN INDONESIAN STOCK MARKET

It is inevitable that the presidential election in the United States can caused stock market fluctuations both in the United States alone as well as in other countries, for example Indonesia. Using regression method and chow test this study aimed at the effects before and after the election of Donald Trump as president of the United States on November 8, 2016. Using the data series shares the value of DJIA and ICI, this study analyzes the emergence of shock due to the change of president in United Staten share prices at the stock market in Indonesia. Based on the chow test result, the election of Donald Trump can provide a shock effect on ICI as well as DJIA, because the value of 6.917956 F count is larger than the value of 3,93 F table. DJIA positive influence on the value of ICI shares due to the election of Donald Trump is significantly below 5% at 1855.782. Meanwhile, before the election of Donald Trump DJIA has a negative influence on the ICI for - 1407.59. Based on that we can conclude that the election of Donald Trump bring a good impact on the growth of the Indonesian stock market

TCP Network Coding with Enhanced Retransmission for Heavy and Bursty Loss

In general, Transmission Control Protocol (TCP), e.g., TCP NewReno, considers all losses to be a sign of congestion. It decreases the sending rate whenever a loss is detected. Integrating the network coding (NC) into protocol stack and making it cooperate with TCP (TCP/NC) would provide the benefit of masking packet losses in lossy networks, e.g., wireless networks. TCP/NC complements the packet loss recovery capability without retransmission at a sink by sending the redundant combination packets which are encoded at the source. However, TCP/NC is less effective under heavy and bursty loss which often occurs in fast fading channel because the retransmission mechanism of the TCP/NC entirely relies on the TCP layer. Our solution is TCP/NC with enhanced retransmission (TCP/NCwER), for which a new retransmission mechanism is developed to retransmit more than one lost packet quickly and efficiently, to allow encoding the retransmitted packets for reducing the repeated losses, and to handle the dependent combination packets for avoiding the decoding failure. We implement and test our proposal in Network Simulator 3. The results show that TCP/NCwER overcomes the deficiencies of the original TCP/NC and improves the TCP goodput under both random loss and burst loss channels

Analisis Keseimbangan Tingkat Suku Bunga dan GDP di Indonesia: Tinjauan Interaksi Kebijakan Fiskal dan Moneter (1998-2011)

Penelitian ini bertujuan untuk melihat bagaimana keseimbangan GDP dan suku bunga yang diciptakan oleh pasar barang (IS) dan pasar uang (LM). Kemudian dengan keseimbangan awal, penulis ingin melihat bagaimana kebijakan fiskal dan moneter dalam mempengaruhi perekonomian, khususnya dalam mempengaruhi keseimbangan ( internal balances ) awal ketika kedua kebijakan tersebut diinteraksikan. Penelitian dilakukan dengan metode TSLS dalam mencari persamaan awal (IS-LM) menggunakan data time series 1998-2011. Kemudian dilakukan trial and error untuk mencari keseimbangan (internal balances) IS-LM serta pergeseran keseimbangan ketika dilakukan intervensi kebijakan. Hasil penelitian menunjukan bahwa keseimbangan suku bunga di Indonesia berada di 7,79% dan GDP berada pada kisaran Rp. 438011 milyar. Berdasarkan hasil estimasi data time series, penelitian ini menyimpulkan bahwa hingga saat ini masih belum dapat tercipta suatu equilibrium atau keseimbangan ekonomi (GDP dan tingkat suku bunga) . Ketika dilakukan simulasi berupa stimulus fiskal, hasil menunjukan bahwa kebijakan fiskal efektif mendorong pertumbuhan ekonomi. Sebaliknya ketika dilakukan simulasi kebijakan moneter, hasil menunjukan bahwa perekonomian tidak responsif terhadap kebijakan tersebut. Sehingga ketika kebijakan fiskal dan moneter diinteraksikan, tidak dapat terbentuk suatu keseimbangan ( internal balances )

Trump's Elected Shock Effect in Indonesian Stock Market

It is inevitable that the presidential election in the United States can caused stock market fluctuations both in the United States alone as well as in other countries, for example Indonesia. Using regression method and chow test this study aimed at the effects before and after the election of Donald Trump as president of the United States on November 8, 2016. Using the data series shares the value of DJIA and ICI, this study analyzes the emergence of shock due to the change of president in United Staten share prices at the stock market in Indonesia. Based on the chow test result, the election of Donald Trump can provide a shock effect on ICI as well as DJIA, because the value of 6.917956 F count is larger than the value of 3,93 F table. DJIA positive influence on the value of ICI shares due to the election of Donald Trump is significantly below 5% at 1855.782. Meanwhile, before the election of Donald Trump DJIA has a negative influence on the ICI for - 1407.59. Based on that we can conclude that the election of Donald Trump bring a good impact on the growth of the Indonesian stock market

Bimbingan Teknis Perhitungan HPP (Harga Pokok Produksi) dan Harga Jual UMKM di Kecamatan Pakis Kabupaten Malang Jawa Timur

UMKM di Indonesia memiliki jumlah yang banyak dan tersebar di seluruh daerah. Berdasarkan survei, jumlah UMKM UB Tahun 2022 di Kecamatan Pakis Kabupaten Malang sudah tercatat 36 yang beroperasi. Dengan rincian terdapat 21 UMKM yang bergerak dibidang makanan/minuman, 9 UMKM bergerak dibidang kerajinan, 6 UMKM bergerak dibidang tekstil. Permasalahan yang sering dihadapi oleh UMKM di Kecamatan Pakis ini adalah dalam proses pencatatan keuangan. Oleh karena itu, pengabdian kepada masyarakat khususnya Kepada para pelaku UMKM kali ini hadir dalam bentuk pelatihan tentang pentingnya manajemen keuangan, proses perhitungan harga pokok produksi, dan Proses perencanaan modal kerja. Pelatihan ini nyatanya mampu membuka wawasan UMKM tentang proses pengkategorian biaya hingga menentukan harga pokok produksi guna menentukan harga jual dan merencanakan modal kerja yang cukup untuk semua proses produksi. Perubahan positif yang terjadi setelah mengikuti pelatihan ini adalah para pelaku UMKM dapat menghitung .UMKM di Indonesia memiliki jumlah yang banyak dan tersebar di seluruh daerah. Berdasarkan survei, jumlah UMKM UB Tahun 2022 di Kecamatan Pakis Kabupaten Malang sudah tercatat 36 yang beroperasi. Dengan rincian terdapat 21 UMKM yang bergerak dibidang makanan/minuman, 9 UMKM bergerak dibidang kerajinan, 6 UMKM bergerak dibidang tekstil. Permasalahan yang sering dihadapi oleh UMKM di Kecamatan Pakis ini adalah dalam proses pencatatan keuangan. Oleh karena itu, pengabdian kepada masyarakat khususnya Kepada para pelaku UMKM kali ini hadir dalam bentuk pelatihan tentang pentingnya manajemen keuangan, proses perhitungan harga pokok produksi, dan Proses perencanaan modal kerja. Pelatihan ini nyatanya mampu membuka wawasan UMKM tentang proses pengkategorian biaya hingga menentukan harga pokok produksi guna menentukan harga jual dan merencanakan modal kerja yang cukup untuk semua proses produksi. Perubahan positif yang terjadi setelah mengikuti pelatihan ini adalah para pelaku UMKM dapat menghitung

Analysis of Macroeconomic Variables Affecting Inflation and Exchange Rates

This study aims to examine the movement of macroeconomic variables, especially inflation and exchange rates. Inflation affects the exchange rate through the Law of One Price and Purchasing Power Parity, while the exchange rate affects inflation through the Exchange Rate Pass-Through Effect. This study also aims to examine the effect of other macroeconomic factors on inflation and exchange rates. The variables studied and suspected of influencing inflation are interest rates, money supply, exports, imports, government spending, unemployment, and exchange rates. While the variables studied and suspected of influencing the exchange rate are the difference in interest rates between domestic and foreign interest rates, trade balance, public debt, inflation and exchange rates MYR/USD, THB/USD, PHP/USD, SGD/USD. The research period is from 2004-2017. The research method used is the Two-Staged Least Square model. The results found that there was no simultaneity between inflation and the exchange rate after adding the control variable. Significant factors that partially affect inflation are exports, imports, government spending, unemployment, and the rupiah exchange rate. Meanwhile, interest rates and money supply partially have no significant effect. In terms of the IDR exchange rate, significant factors that partially affect IDR are the difference in interest rates between Indonesia and the US, government debt, trade balance, MYR, THB, and SGD. Meanwhile, PHP and inflation have no significant effect on the IDR

Analisis Pengaruh Inklusi Keuangan Melalui Layanan Fintech P2p Lending Terhadap Human Development Index Indonesia

Inklusi keuangan terkait erat dengan sistem yang menjamin aksesibilitas, ketersediaan, dan penggunaan sistem keuangan formal bagi semua pelaku ekonomi. Melalui adanya penggunaan fintech dapat mempercepat perluasan akses masyarakat ke layanan keuangan sehingga dapat meningkatkan inklusi keuangan. Inklusi keuangan yang semakin meningkat diharapkan dapat berpengaruh pada peningkatan Indeks Pembangunan Manusia. Penelitian ini bertujuan untuk mengetahui bagaimana pengaruh inklusi keuangan melalui layanan fintech khusus layanan p2p lending terhadap Indeks Pembangunan Manusia di Indonesia, dengan menggunakan indikator akses, indikator ketersediaan, serta indikator kegunaan sebagai variabel bebasnya dan Indeks Pembangunan Manusia sebagai variabel terikatnya. Penelitian ini merupakan jenis penelitian kuantitatif dengan menggunakan analisis regresi linear berganda yang menggunakan data sekunder, berupa data laporan statistik fintech Indonesia dan indeks pembangunan manusia yang dimulai dari periode Januari 2019 hingga Desember 2021. Hasil analisis menunjukkan bahwa secara parsial indikator akses, ketersediaan serta kegunaan berpenagruh signifikan terhadap Indeks Pembangunan Manusia di Indonesia. Secara simultan seluruh indikator inklusi keuangan melalui layanan fintech p2p lending berpengaruh signifikan terhadap Indeks Pembangunan Manusia di Indonesi