Pengaruh Modal Sendiri, Kredit Usaha Rakyat (KUR), dan Teknologi Informasi Terhadap Pendapatan Usaha

Tujuan dari penelitian ini adalah untuk mengetahui pengaruh variabel Modal Sendiri, Kredit Usaha Rakyat, dan Teknologi Informasi terhadap Pendapatan Usaha Mikro, Kecil, dan Menengah (UMKM) pada para pelaku usaha makanan yang berusia 20 - 47 tahun atau masuk kedalam Generasi Milenial di DKI Jakarta. Penelitian ini menggunakan penelitian kuantitatif dengan pendekatan deskriptif. Adapun yang menjadi subjek peenlitian ini adalah pelaku UMKM yang bergerak pada usaha Makanan di DKI Jakarta. Data yang digunakan dalam penelitian ini adalah data primer yang diperoleh dari responden yang mengisi kuesioner. Sampel penelitian ini sebanyak 100 responden yang dihitung dengan menggunakan rumus Taro Yamane. Alat yang digunakan untuk penelitian ini menggunakan analisis regresi linear berganda. Hasil analisis uji t menunjukkan bahwa Modal Sendiri berpengaruh positif terhadap pendapatan UMKM dengan nilai signifikan 0,003, Kredit Usaha Rakyat berpengaruh positif terhadap pendapatan UMKM dengan nilai signifikan 0,002, dan Teknologi Informasi berpengaruh positif terhadap pendapatan UMKM dengan nilai signifikan 0,005. Hasil dari koefisien determinasi diperoleh R² sebesar 0,282 atau 28,2%. Dapat diartikan bahwa 28,2% pendapatan UMKM dipengaruhi oleh Modal Sendiri, Kredit Usaha Rakyat, dan Teknologi Informasi, sedangkan sisanya 71,8% disebabkan oleh faktor lain yang diluar penelitian

The Influence of Third-Party Funds, Return on Assets, and Financing to Deposit Ratio on Sharia Banking Financing in MSMEs

This article analyzes the determinants of MSME financing at Islamic Commercial Banks. This is measured by internal bank factors, namely Third-Party Funds, Return on Assets, and Financing to Deposit Ratio. This paper used time series data sourced from Otoritas Jasa Keuangan for the period January 2021 - December 2023. Through multiple linear regression analysis with the Ordinary Least Square (OLS) method, it can be concluded that: First, partially, TPF and FDR have a significant positive effect on MSME Financing, while the ROA has nonsignificant negative effect on MSME Financing for Islamic Commercial Banks. Second, simultaneously, all variables have a significant positive effect on MSME Financing for Islamic Commercial Banks. With these results, it is hoped that this research can contribute to policy or decision making for Islamic Commercial Banks to improve financing distribution to the MSME sector, both working capital financing and investment financing for the MSME sector in Indonesia

The Conflict Management at Workplace through Positive Social Change lead to the Social Equilibrium and Supply Chain Performance of Baduy Society Based Food Supply Companies

This study aims to find out empirically the role of conflict resolution through societal change to promote SCP in food supply companies working in Baduy community in Kanekes Village, Leuwidamar District, Lebak Regency. Furthermore, the mediating role of conflict management and social equilibrium was also examined. In this direction social change is considered as an important factor to promote SCP.  This study used a quantitative research approach based on the survey questionnaire. For this purpose, data were collected from the employees of food supply companies working in Baduy community. The results of the study show that the causes of conflict in the food supply companies are internal factors and external factors. Social change has positive effect on conflict management at workplace in food supply companies. Increase in the social change increases the conflict management which further enhances the social equilibrium and ultimately increases the SCP. Finally, results of the current study have vital role in food supply companies to enhance the SCP.

ANALYSIS OF WORKING CAPITAL FINANCING MEMBER OF REVENUES IN CONVENTIONAL AND ISLAMIC COOPERATION

This study aims to determine the effect of working capital financing on revenues of members businesses at PEMK Cengkareng Timur Cooperative and BMT Ta'awun Finance, the difference of revenues of members businesses after and before receiving working capital financing from PEMK Cengkareng Timur Cooperative and BMT Ta'awun Finance, and difference revenues of members businesses after receiving working capital financing between Koperasi PEMK Cengkareng Timur and BMT Ta'awun Finace. Methods of data acquisition used with structured interview methods and in-depth interviews. The population in the study were all members who received working capital financing in 2016 at PEMK Cengkareng Timur Cooperative and BMT Ta'awun Finace. The sample used is 30 members from each cooperative with sampling technique in the form of census and purposive sampling. Data analysis used is multiple regression analysis, paired t sample test, and independent t test sample test. The result of research is showed there is the effect of working capital finance with revenues of members businesses at PEMK Cengkareng Timur tcount (2,142) > ttable (2.048) and in BMT Ta’awun Finance tcount (2,688) > ttable (2.048), there is difference before and after working capital financing to revenues of members businesses in both cooperatives because of the probability value of 0,000 <0.05, and there is a difference in the income of members who receive working capital financing from the two cooperatives seen from tcount 0.00 <0.05

EFFECT OF INTEREST RATE, INFLATION AND NATIONAL INCOME TO RUPIAH THE AMERICAN DOLLARS IN 2006-2016

This research aims to analyze the effect of interest rates, inflation and national income against the rupiah exchange rate over the US dollar. As for the data used in this research is secondary data, with this type of time series data in the period 2006-2016 obtained from Bank Indonesia and the World Bank. The method of this research method using exposé facto. Data analysis techniques used in this research is the analysis of multiple regression. By using multiple regression analysis model, the output shows that interest rates (X 1) positive and significant effect of the exchange rate of the rupiah against the US dollar up (Y). Inflation rate (X 2) do not affect the exchange rate of the rupiah significantly to top u.s. dollars (Y). National income (X 3) a positive effect of the exchange rate of the rupiah against the US dollar up (Y). Of test results by looking at their significance value F = 0.000 then it can be said to be 0.05 < simultaneously interest rates, inflation and national income effect significant at α = 5% against the rupiah exchange rate over the US dollar in the year 2006-2016. The value of the coefficient of determination (R2) acquired for 0.660 has a sense that the rupiah exchange rate over the US dollar can be explained by the level of interest rates, inflation and national income amounted to 66% while the rest is explained by other factors that do not exist in the model for this research

THE INFLUENCE OF BRAND IMAGE, PRICE, PRODUCT QUALITY AND PERCEIVE RISK ON PURCHASE DECISION TRANSFORMER PRODUCT PT. SCHNEIDER INDONESIA

The aim of this objective reserach is to find a picture of the influence of brand image, price, product quality and perceive risk on purchase decision transformer product PT. Schneider Indonesia for business consumers in Indonesia. This research is quantitative study with descriptive and causal method undertaken at PT. Schneider Indonesia business unit transfomer in 2013. Data collection done towards 97 respondents and its surrounding others industries segment. The data were collected with questonnaire and analyzed with SPSS ver. 20.0. The results of this study concluded that (1) the brand image positive and has significant impact on purchasing decisions, (2) Price positive and has significant impact on purchasing decisions, (3) product quality positive and has significant impact on purchasing decisions, (4) perceive risk positive and significant impact on purchasing decisions and (5) all of the independent variables (brand image, price, product quality, and perceive risk) have significant positive effect on the dependent variable (purchase decisions). The variables that most influence the purchase decision is price variable, the second is brand image, the third is perceive risk and the fourth is a product quality.   Keywords: brand image, price, product quality, perceive risk and purchase decisio

Dynamics of Foreign Direct Investment Manufacturing Sector in Indonesia

This research was conducted to determine the short-term and long-term effects between Gross Domestic Product, Interest Rates, and Inflation on Foreign Direct Investment in the manufacturing sector for the period 2004-2017. Study applied VECM (Vector Error Correction Model), secondary data obtained from Bank Indonesia, BPS, and Bappenas. Based on the statistical results it can be concluded that: first, GDP has a positive and not significant effect in the short term, then in the long run, it has a negative effect toward FDI. Second, in the short term interest rates have a negative and not significant while in the long term interest rates have a negative and significant effect on FDI in the manufacturing sector. Lastly, inflation has a negative and insignificant effect, while, in the long-run inflation has a positive and significant effect on FDI in the manufacturing sector

Macroeconomics of systemic risk : transmission channels and technical integration

The avenue to find a balanced assessment of systemic financial institutions needs the integration of macro and micro granular datasets. This paper investigates how macroeconomic shocks affect systemic risk through several transmission channels. Employing Indonesia datasets over 2008–2019, we regressed three market models: CoVaR, MES, and SRISK using fixed effect, random effect, GARCH(1,1), and finite mixture models. The findings show that stock beta, market index, and exchange rate volatility amplify the systemic risk while the liquidity spread outcome varies due to different of model variables and the deepness of the country’s financial market. We propose a practical systemic risk assessment framework and samples of technical integration to capture the overall risk endogenously and externally expose the systemically important financial institutions

The Influence of Interest Rate of Indonesian Central Bank Certificate and Non Performing Loan to Investment Loans in SME'S in Indonesia

Abstract This study aimed to obtain information and knowledge based on data and facts from the effect of SBI interest rate and non-performing loans to investment lending in SMEs in Indonesia. The method used is a form of time series from the years 2011-2015 using quantitative methods with descriptive analysis. This data is presented every year on a monthly basis obtained from the website of Bank Indonesia (bi.go.id). This study uses the data time series regression model with Cochrane-Orcutt correction techniques. Based on the analysis of simultaneous, SBI interest rate and NPL have the significant effect on SME investment lending. Based on the results of a partial analysis, the SBI interest rate has no effect on investment lending SME and Non-Performing loans have a significant negative effect on investment lending to the SMEs. The Variations influence of two independent variables can be determined based on the R2 value of 0.991465 which indicates that 99% of the variation in the SME ban portfolio was affected by the SBI interest rate and the NPL and the rest influenced by other factors outside the research method. Keywords: SME investment loans, SBI interest rate, Non performing Loa

The Impact of New Media Literacy and Supply Chain Knowledge Management on Community Economy in Indonesia

This study aims to examine the impact of new media and supply chain knowledge management on community economy in Indonesia. This quantitative research method is distributed questionnaires to 157 respondents from retail sector in Indonesian. Based on dimensions of new media literacy, the strongest dimension is visualization with the highest average value of 3.40. Visualization enhances entrepreneur innovation in supply chain knowledge management. The results of this study indicate that new media literacy helps consumers on community economy in Indonesia