The Impact of a Cashless Payment System on Inflation

The rise of transactions without using money or what is commonly referred to as cashless transactions. Cashless transactions have several advantages, namely, functional, effortless, and quick. In addition, cashless transactions get an impact on monetary policy in Indonesia. The convenience obtained when conducting cashless transactions results in the acceleration of the velocity of money. Although the number of cash transactions in the community has decreased, the rate of money creates a high intensity with the use of cashless transactions. If the power of money circulation is high, it is feared that it will cause inflationary effects. This study aims to determine the impact of the cashless payment system on inflation. A quantitative approach was used in this study with secondary data which in the source obtained through documentation techniques obtained from Bank Indonesia (BI) and the Central Statistics Agency (BPS). from January 2009 until December 2020. The analysis technique uses multiple linear regression analysis. The results showed that the electronic-money variables had a significant negative effect, the debit card variables had a significant positive impact, the credit card variables had an insignificant negative effect, and the interest rate variables had a significant positive impact

THE POWER STRUCTURE OF UNDERGROUND ECONOMY ACTIVITIES AT ROMBENGAN MALAM KOTA MALANG: AN INSTITUTIONAL ECONOMIC PERSPECTIVE

One of Indonesia’s most common underground economy practices is the emergence of informal markets in the community. This study aimed to identify the pattern of the power structure of the Roma merchants in Malang City from an institutional economic perspective. In this study, the method used is a descriptive qualitative approach with a phenomenological type. This study uses primary data, data directly obtained from interviews and observations. The main informants in the study were traders, and the supporting informants were parking attendants. From the researchers’ findings, it was found that several realities of the power structure existed until now, among others, in the Roma merchant community, there was no hierarchical and formal pattern of power structures that officially governed the merchant community. Mastery in the Roma community was only informal

Analisis Pengaruh Skema Pembiayaan Terhadap Non Performing Financing Perbankan Syariah Di Indonesia.

Penelitian ini bertujuan untuk mengidentifikasi dampak kontrak pembiayaan terhadap risiko perbankanbank syariah yang diukur dengan NPF. Berdasarkan data, nilai NPF cenderung meningkat setiap tahun dengan nilai yang sudah mendekati batas maksimum yang ditetapkan oleh Bank Indonesia. Jenis data yang digunakan dalam penelitian adalah data sekunder berupa data bulanan time series pada periode Januari 2014 hingga Desember 2017 dan data cross section dari dua jenis Perbankan Syariah (BUS dan UUS). Metode yang digunakan dalam penelitian ini adalah analisis data panel. Hasil analisis menunjukkan bahwa faktor-faktor yang mempengaruhi NPF positif dan signifikan adalah skema musyarakah dan ijarah dan faktor-faktor yang mempengaruhi NPF negatif dan signifikan adalah skema murabahah dan FDR

Analisis Dinamika Transaksi dan Struktur Kekuasaan pada Underground Economy (Studi pada Komunitas Pedagang Rombengan Malam Malang)

Dalam konteks pencapaian manfaat maupun keuntungan yang sebesar-besarnya, munculah salah satu aktivitas ekonomi yang tidak lazim yaitu biasa disebut dengan ekonomi bawah tanah atau underground ecomomy. Fenomena keberadaan underground economy merupakan fenomena yang menarik mengingat eksistensinya. Salah satu faktor yang mendukung keberlangsungan aktivitas tersebut adalah adanya sebuah hierarki struktur kekuasaan yang menggerakan aktivitas tersebut. Salah satu praktek underground economy yang marak terjadi di Indonesia adalah keberadaan dari munculnya pasar-pasar informal. Penelitian ini bertujuan untuk mengetahui eksistensi dan struktur kekuasaan pada komunitas pedagang Roma. Metode penelitian yang digunakan adalah penelitian kualitatif dengan pendekatan fenomenologi . Dengan pemdekatan fenomenologi, hasil penelitian ini menunjukkan bahwa eksistensi pedagang di Roma disebabkan beberapa faktor, antara lain: tidak adanya pungutan pajak, tidak ada entry barriers dan sifatnya informal. Selain itu faktor lain yang mendukung adalah harga barang dapat ditawar dan terjangkau, mengupayakan kebutuhan pelanggan dengan sistem pre-order, pemberian garansi dan promosi dari mulut kemulut. Hasil penellitian juga menunjukan bahwa struktur kekuasaan yang berlaku dalam komunitas pedagang Roma bersifat informal. Dalam hal ini pemimpin di Roma adalah pedagang lama dan tukang parki

The Impact Of Financing Product Scheme To Islamic Banking Financial Performance

The aim of this study is to determine how different financing plans affect a bank's ability to earn income and manage financing risk throughout the course of both the short- and long-terms. The study utilizes an associative research design and a quantitative methodology. The Financial Services Authority's monthly aggregate reports on Islamic banking for the years 2012 to 2022 make up the study sample. Total debt-based financing, total profit-sharing financing, total leasing-based financing, return on assets (ROA), and non-performing finance (NPF) are among the variables included in the study model. Vector Error Correction Modelling (VECM), which enables the study of the data, is used to examine the short- and long-term effects of independent factors on the dependent variable. Two investigational models—the ROA model and the NPF model—are included in the study. According to the research's findings, when viewed from the NPF model's point of view, debt- and leasing-based financing are more secure over the long run for Islamic banks. Leasing-based financing, however, turns out to be more beneficial for Islamic banks from the standpoint of the ROA mode

Pengaruh Variabel Makroekonomi Terhadap Hasil Investasi Pada Perusahaan Asuransi Syariah di Indonesia

This study aims to determine the macroeconomic variables that affect the investment returns of Islamic insurance. The research approach uses a quantitative approach with the type of associative research. The data source uses secondary data in the form of monthly data published by OJK and BI from 2014-2020. The data analysis technique used multiple regression analysis techniques. The result showed that the BI Rate, Exchange Rate, and the Jakarta Islamic Index had a significant effect on the investment returns of sharia insurance. On the other hand, inflation and the money supply have no significant effects

The Influence of Islamic Financing on Profitability of Sharia Commercial Banks in Indonesia

The aims of this study to analyze this is to analyze the effect of murabahah financing, musyarakah financing, mudharabah financing and ijarah financing on the profitability (ROA) of Islamic commercial banks for the period 2015-2021. The type of research used is a type of quantitative research with an associative approach. The dependent variable used in this study is profitability (ROA). The results of this study indicate that; murabahah financing partially has a negative and insignificant effect on the profitability (ROA) of Islamic commercial banks, musyarakah financing partially has a positive and significant effect on the profitability (ROA) of Islamic commercial banks, mudharabah financing partially has a negative and insignificant effect on the profitability (ROA) of banks general sharia, ijarah financing partially has a positive and significant effect on the profitability (ROA) of Islamic commercial banks. Murabahah financing, musyarakah financing, mudharabah financing and ijarah financing simultaneously have a significant effect on the profitability (ROA) of Islamic Commercial Banks