DiE: Jurnal Ilmu Ekonomi dan Manajemen http://jurnal.untag-sby.ac.id/index.php/die <p align="”justify”">DiE: Jurnal Ilmu Ekonomi dan Manajemen published by Doctoral study program in Economics, Faculty of Economics and Business, University of 17 August 1945 Surabaya. The research article submitted to this online journal will be double blind peer-reviewed (both reviewer and author remain anonymous to each other) at least 2 (two) reviewers. The accepted research articles will be available online following the journal peer-reviewing process. Language used in this journal is English. <br> For checking Plagiarism, DIE: Doktor Ilmu Ekonomi Editor will screen plagiarism manually (offline and online database) on the Title, Abstract, and Body Text of the manuscript, and by using several plagiarism detection software (Turnitin). If it is found a plagiarism indication, the editorial board will reject the manuscript immediately.</p> en-US <p>The author who will publish the manuscript at DiE: Jurnal Ilmu Ekonomi dan Manajemen, agree to the following terms:</p><p>1. Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution ShareAlike License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.</p><p>2. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.</p><p>3. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories, pre-prints sites or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater dissemination of published work</p> die@untag-sby.ac.id (Tri Ratnawati) argasitohang@untag-sby.ac.id (Arga Christian Sitohang) Tue, 29 Mar 2022 00:00:00 +0000 OJS 3.1.1.4 http://blogs.law.harvard.edu/tech/rss 60 ANALYSIS OF MONETARY POLICY ON ECONOMIC GROWTH IN INDONESIA DURING THE OUTBREAK OF COVID-19 http://jurnal.untag-sby.ac.id/index.php/die/article/view/6365 <p>Monetary policy is a policy of Bank Indonesia aimed at managing a country's money supply in order to achieve certain objectives such as maintaining monetary stability and increasing employment opportunities.</p> <p>The analysis of monetary policy in Indonesia aims to discover and anticipate the impact of the Covid-19 pandemic on the Indonesian economy. Research uses descriptive qualitative research methods that include different concepts in the research process using content analysis techniques as well as literature search. The results of this study show the monetary policy efforts of the Indonesian government to stabilize the economic system, supported by Bank Indonesia through the role of the Financial Services Authority in Indonesia.</p> <p>At that time, the Indonesian government tried to implement this policy to relieve the Indonesian nation of the economic crisis due to Pademi Covid 19, which has an even greater impact.</p> <p>&nbsp;</p> <p><strong>Keywords </strong>: Monetary Policy, Inflation, Money Suppy, Interest Rates, Exchange&nbsp;Rates, GDP (Gross Domestic Product), Economic Growth</p> Amalia Wahyuni ##submission.copyrightStatement## https://creativecommons.org/licenses/by-sa/4.0 http://jurnal.untag-sby.ac.id/index.php/die/article/view/6365 Tue, 29 Mar 2022 00:00:00 +0000 Company Value as Consideration in Making Individual Stock Investment Decisions (Hermeneutical-Critical Study) http://jurnal.untag-sby.ac.id/index.php/die/article/view/6366 <p>Individual stock investor has many options in an investment and investment decision was influenced by so many factors, one of them is value of the firm. Value of the firm is often associated with stock price. The higher stock price means the better value of the firm. This mini-research used critic-hermeneutic research approach. Hermeneutic used for interpretation of text which told by individual stock investors in the interview. There were 8 informant interviewed in this mini-research, who had different backgrounds i.e employee, entrepreneurs, and college students. The result showed that value of the firm as useful value for investors, actually didn’t entirely used by individual stock investors, especially for investors who used technical analysis and another non-fundamental analysis in their stock analysis. Investor’s sophistication in value of the firm analysis also influenced by the other investor, so they didn’t analize it anymore. When value of the firm didn’t influence the investment decision of investor, no-effect hypothesis was applied. Whereas more sophisticated investor considered value of the firm in their investment decision. When value of the firm influenced to the investment decision of investor, mechanistic hypothesis was applied.</p> <p>&nbsp;</p> <p><strong>Keywords: </strong>Individual stock investor, investment decision, value of the firm.</p> Diah Rani Nartasari ##submission.copyrightStatement## https://creativecommons.org/licenses/by-sa/4.0 http://jurnal.untag-sby.ac.id/index.php/die/article/view/6366 Tue, 29 Mar 2022 00:00:00 +0000 EFFECT OF THE APPLICATION OF RISK MANAGEMENT ON FINANCIAL PERFORMANCE CASE STUDY ON PT. BANK ABG, TBK http://jurnal.untag-sby.ac.id/index.php/die/article/view/6367 <p>The economic recession that occurred in Indonesia in 2020 due to the Covid-19 pandemic has suppressed the performance of the national banking system. Almost all banking performance indicators experienced a significant decline. This condition also applies to PT. Bank ABG Tbk (ABG Bank) . &nbsp;To mitigate the risk of losses arising from bank business activities, the Financial Services Authority (OJK) since January 2004 has required every commercial bank to implement risk management effectively. This study aims to determine whether the application of risk management at Bank ABG is proxyed by the ratio of Operating Costs to Operating Income (BOPO) for operational risk, the ratio of Non Performing Loans (NPL) for credit risk and Loan &nbsp;to Deposit Ratio (LDR) for liquidity risk. &nbsp;, has a significant effect on the profitability of ABG Bank which is proxy by the ratio of Return on Assets (ROA). This research is a case study, using quantitative methods with secondary data sourced from the financial statements of ABG Bank for 2018-2020 which are accessed directly from ABG Bank. The analysis technique uses multiple linear regression. The results of the study concluded that there was a very high influence between the implementation of Risk Management on Financial Performance and the variable that had a significant effect was Operational Risk (BOPO). &nbsp;Meanwhile, credit risk (NPL) and liquidity risk (LDR) have no significant effect.</p> <p>&nbsp;</p> <p><strong>Keywords</strong>: Bank, Risk Management, Financial Performance.</p> Tuk Yulianto ##submission.copyrightStatement## https://creativecommons.org/licenses/by-sa/4.0 http://jurnal.untag-sby.ac.id/index.php/die/article/view/6367 Tue, 29 Mar 2022 00:00:00 +0000 OPPORTUNITIES, RISKS AND STRATEGIES TO MINIMIZE THE RISK FINTECH LENDING: STUDY META SYNTHESIS http://jurnal.untag-sby.ac.id/index.php/die/article/view/6368 <p>This study aims to configure by identifying opportunities, risks and strategies to minimize the risk ofthe existence of fintech lending as a financial intermediary institution using a meta-synthesis methodological approach. The number of articles sampled as much as 29 articles. The results show that business and investment opportunities in this sector are indicated by a large market share, the number of repeat borrowers, an element of trust between borrowers and lenders, a technology-based and uncomplicated loan system and without business guarantees. While the risk indicated by weaknesses in credit management or credit management is a risk that really needs to be considered, including in determining interest rates, and determining borrowers to be funded without credit analysis considerations. The strategy needed is to use a low interest rate strategy, a better management management strategy, a strategy to capture opportunities as well as a collaboration and growth strategy, as well as the need for the Government to make clear and centralized regulations and P2P platforms.</p> <p><strong>&nbsp;</strong></p> <p><strong>Keywords: </strong>Opportunity, Risk, Fintech Lending Strategy, Meta Synthesis.</p> Dwi Lesno Panglipursari ##submission.copyrightStatement## https://creativecommons.org/licenses/by-sa/4.0 http://jurnal.untag-sby.ac.id/index.php/die/article/view/6368 Tue, 29 Mar 2022 00:00:00 +0000 ASSESSMENT OF LOAN TO DEPOSIT RATIO SOE BANK (PERSERO) BASED ON FINANCIAL RATIO http://jurnal.untag-sby.ac.id/index.php/die/article/view/6369 <p>This study was conducted to examine the effect of Capital Adequacy Ratio (CAR), Non Performing Loan (NPL), Net Interest Margin (NIM) on Loan to Deposit Ratio (LDR). The research object of the State-Owned Enterprise Bank and the research data variables are sourced from financial reports that have been published and accessed through their respective web addresses. The data analysis technique used multiple linear regression with least squares equation and hypothesis testing using t-statistics to test the partial regression coefficients and F-statistics to test the significance of the effect together with a significance level of 5%. In addition, the classical assumption test was also carried out which included normality test, multicollinearity test, heteroscedasticity test and autocorrelation test. The results showed that the NIM variable showed a significant effect on LDR. The NPL variable has a significant negative effect on LDR. The CAR variable has a positive but not significant effect on LDR. The predictive ability of these three variables on the LDR in this study was 51.1%, while the remaining 48.9% was influenced by other factors that were not included in the research model.</p> <p>&nbsp;</p> <p><strong>Keywords</strong> : Loan to Deposit Ratio (LDR), Capital Adequacy Ratio (CAR), Non Perfoming Loan (NPL), Net Interest Margin (NIM)</p> Angga Rizka Lidiawan ##submission.copyrightStatement## https://creativecommons.org/licenses/by-sa/4.0 http://jurnal.untag-sby.ac.id/index.php/die/article/view/6369 Tue, 29 Mar 2022 00:00:00 +0000 Analysis Of The Influence Of Third-Party Funds (DPK), Capital Adequacy Ratio (CAR), Return On Asset (ROA), Loan To Deposit Ratio (LDR) And Non Performing Loan (NPL) On The Distribution Of Banking Credit http://jurnal.untag-sby.ac.id/index.php/die/article/view/6370 <p><strong>Research Objective: </strong>the purpose of this study is to examine the dominant factors that affect the amount of bank credit. The selection of these factors is based on the results of previous research studies. The purpose of this study was to determine the effect of third party funds (DPK), capital adequacy ratio (CAR), return on assets (ROA), non-performing loans (NPL) and loan to deposit ratio (LDR) on bank lending partially.</p> <p><strong>Research Method: </strong>this research method uses quantitative research methods. The number of samples in this study were three state-owned banks registered with the OJK, namely Bank BRI, Bank BNI and Bank Mandiri for the period 2018-2020 (quarterly data). The data analysis methods used are classical assumption test, multiple regression analysis and t test with SPSS 26 program.</p> <p><strong>Research Result: </strong>the results of this study that the variables of Third Party Funds and Loan toDeposit Ratio variables have a positive and significant effect on lending while the variables ofCapital Adequacy Ratio, Return to Assets and Non Performing Loans have no effect on lending.</p> <p><strong>&nbsp;</strong></p> <p><strong>Keywords: </strong>third party funds, capital adequacy ratio, return on assets, non-performing loans, loan to deposit ratio, lending</p> Angga Dutahatmaja ##submission.copyrightStatement## https://creativecommons.org/licenses/by-sa/4.0 http://jurnal.untag-sby.ac.id/index.php/die/article/view/6370 Tue, 29 Mar 2022 00:00:00 +0000 VILLAGE FUND MANAGEMENT FOR COVID-19 HANDLING (Study in Kopek Village, Grobogan Regency, Central Java Province) http://jurnal.untag-sby.ac.id/index.php/die/article/view/6371 <p>The purpose of this study was to analyze the practice of managing Village Funds in handling the COVID-19 pandemic based on applicable regulations. The research method used is descriptive qualitative with a case study approach. This research was conducted in Kopek Village, Godong District, Grobogan Regency. Data collection techniques by observation, interviews and documentation studies. The results of this study indicate that the management of village funds in handling COVID-19 is in accordance with applicable regulations. The procedure for allocating priorities for the use of Village Funds has been carried out in the Village planning and budgeting process. Changes in activities in handling COVID-19 were carried out through Village Deliberations which were followed by Changes in the Village Budget by refocusing activities and budgets to support the implementation of the Implementation of Restrictions on Micro-Based Community Activities and the Implementation of COVID-19 Handling Posts at the Village level as well as Direct Cash Assistance (BLT) and Cash Intensive Work (PKT).</p> <p><em>&nbsp;</em></p> <p><strong><em>Keywords</em></strong><em>: Village Fund management, Handling COVID-19</em></p> SUPARWAN ‏‏‎ ‏‏‎ ‏‏‎ ‏‏‎ ##submission.copyrightStatement## https://creativecommons.org/licenses/by-sa/4.0 http://jurnal.untag-sby.ac.id/index.php/die/article/view/6371 Tue, 29 Mar 2022 00:00:00 +0000 IMPROVING THE QUALITY OF WOMEN'S COOPERATIVE FINANCIAL REPORTS IN THE DISTRICT OF ANTI GRESIK REGENCY WITH ACTION RESERCH APPROACH http://jurnal.untag-sby.ac.id/index.php/die/article/view/6372 <p>The Women's Cooperative (KOPWAN) Bina Citra Wanita is a legal entity cooperative that has a savings and loan business unit. KOPWAN is a form of joint effort based on the principles of kinship and mutual cooperation. However, problems arise when it comes to providing precise and accurate financial reports, in accordance with SAK ETAP (Financial Accounting Standards for Entities Without Public Accountability). These activities require extra work from KOPWAN administrators who double as housewives. This often creates conflicts of its own in dividing the time because the financial statements made are still using conventional methods. This condition is not balanced with the increasing number of activities because the number of members served is increasing. The purpose of this study will be to examine the extent to which the implementation of computerized-based financial reporting with accounting software can improve the quality of KOPWAN financial report information. This study uses an action research approach. The results of the study indicate that Accounting Software is quite effective and efficient in helping management make financial reports quickly, precisely and accurately and reduce fraud. In addition, it is able to save time and energy so that it does not interfere with the activities of mothers in carrying out domestic and public activities.</p> <p>&nbsp;</p> <p><strong>Keywords: </strong>action research, SAK ETAP, Accounting Software</p> Ujang Syaiful Hidayat ##submission.copyrightStatement## https://creativecommons.org/licenses/by-sa/4.0 http://jurnal.untag-sby.ac.id/index.php/die/article/view/6372 Tue, 29 Mar 2022 00:00:00 +0000 ANALYSIS OF INTEREST RATE INFLUENCE ON MONETARY POLICY IN INDONESIA http://jurnal.untag-sby.ac.id/index.php/die/article/view/6373 <p>The monetary policy of a country is influenced by the economic policies of other countries. therefore many factors influence monetary policy in a country. one factor is the value of interest rates in the country. Interest rates also affect the inflation that will occur. This certainly affects the state of the country's economy, especially Indonesia. This study aims to determine the effect of interest rate factors on monetary policy in Indonesia. The method used in this research is to conduct a meta-analysis of three journals regarding monetary policy in Indonesia. From the analysis, it is found that the interest rate has an effect on inflation and will affect monetary policy in Indonesia. In the formation of bank interest rates, the element of inflation expectations is still considered small. Meanwhile, other factors are still bigger, such as: condition of banking liquidity, less efficient banking management, bank segmentation. The use of interest rates as an indicator of inflation expectations is in line with the need for an instrument that can effectively explain the phenomenon of inflationary movements as the ultimate target for monetary policy.</p> <p><strong>Keywords</strong>: interest rate, inflation, monetary policy</p> Fajar Purwanto ##submission.copyrightStatement## https://creativecommons.org/licenses/by-sa/4.0 http://jurnal.untag-sby.ac.id/index.php/die/article/view/6373 Tue, 29 Mar 2022 00:00:00 +0000 DISCLOSURE AND IMPLEMENTATION OF CORPORATE SOCIAL RESPONSBILITY (CSR) INDONESIAN SHARIA BANK IN ISLAMIC RELIGIOUS INSTITUTIONS IN BUTON ISLANDS (Case Study at BSI KCP Baubau) http://jurnal.untag-sby.ac.id/index.php/die/article/view/6374 <p>The purpose of this study was to determine the disclosure and supporting factors for the implementation of CSR BSI Baubau Unit at Islamic religious institutions in the Buton Islands. The results of this study found that CSR disclosure at BSI KCP Baubau was mostly carried out by government institutions, namely the Office of the Ministry of Religion and State Madrasah and the supporting factors for CSR implementation were due to the cooperation agreement, the availability of CSR funds, and the establishment of good communication between the BSI KCP Baubau and other institutions. the. The greater the number of civil servant customers who borrow (credit) at BSI KCB Baubau, the greater the disclosure and implementation of CSR funds at the institution concerned in the Buton Islands.</p> <p><strong><em>&nbsp;</em></strong></p> <p><strong><em>Keyword</em></strong><em>: </em>Disclosure, Support, Corporate Social Responsibility, Financial Performance<em>.</em></p> La Marihi ‏‏‎ ‏‏‎ ‏‏‎ ‏‏‎ ##submission.copyrightStatement## https://creativecommons.org/licenses/by-sa/4.0 http://jurnal.untag-sby.ac.id/index.php/die/article/view/6374 Tue, 29 Mar 2022 00:00:00 +0000