ABSTRAK UMKM merupakan salah satu sektor ekonomi yang peranannya sangat besar terhadap perekonomian di Indonesia. Namun, sebagian besar UMKM belum berkembang optimal karena beberapa kendala. Salah satunya adalah modal, tingkat pendidikan, teknologi. Tujuan dari penelitian ini adalah mengetahui pengaruh modal, tingkat pendidikan dan teknologi terhadap pendapatan UMKM di Kecamatan Pajangan, Bantul. Penelitian ini merupakan penelitian kuantitatif dengan jumlah populasi sebesar 407 UMKM dan sampel sebesar 40 responden. Data dikumpulkan melalui kuesioner dengan menggunakan teknik simple random sampling. Analisis yang digunakan meliputi uji validitas, uji reliabilitas, analisis regresi linier berganda, uji t, uji f dan analisis koefisien determinasi. Hasil penelitian menunjukkan bahwa: Variabel Modal (X1) tidak berpengaruh positif dan signifikan terhadap Pendapatan (Y) berdasarkan hasil nilai uji t-hitung (-.151) < t-tabel (2.02809). Variabel Tingkat Pendidikan (X2) berpengaruh positif dan signifikan terhadap Pendapatan (Y) berdasarkan hasil nilai t-hitung (3.557) > t-tabel (2.02809). Variabel Teknologi (X3) berpengaruh positif dan signifikan terhadap Pendapatan (Y) berdasarkan hasil nilai t-hitung (3.901) > t-tabel (2.02809). Nilai signifikansi untuk pengaruh X1, X2 dan X3 secara simultan terhadap Y adalah sebesar 0.000 < 0.05 dan nilai f-hitung (9.112) > f-tabel (2.86), sehingga dapat disimpulkan bahwa terdapat pengaruh X1(modal), X2(tingkat pendidikan) dan X3(teknologi) secara simultan terhadap Y(pendapatan). Kata Kunci : Modal, Tingkat Pendidikan, Teknologi, Pendapatan
Potensi Islamic social finance perlu dioptimalkan salah satunya melalui wakaf. Wakaf telah lama dikenal masyarakat muslim sebagai salah satu bentuk amal jariyah yang berperan penting bagi pengembangan sosial, ekonomi dan budaya dalam rangka untuk meningkatkan kesejahteraan masyarakat. Peran perbankan syariah selain melaksanakan fungsi menghimpun dan menyalurkan dana juga dapat melakukan fungsi sosial, karena merupakan salah satu Lembaga Keuangan Syariah yang dapat melakukan penerimaan wakaf uang dan menjadi tempat pengelolaan dana wakaf oleh Nadzir. Pengembangan industri halal saat ini menjadi sebuah trend dan banyak digemari oleh usahawan. Namun di saat pandemi saat ini banyak UMKM yang mengalami penurunan omset bahkan kehilangan modal karena menurunnya daya beli konsumen. Oleh karena itu, perlu adanya peningkatan usaha dengan cara pemasukan modal tanpa bunga, yaitu melalui peran perbankan syariah mengimplementasi wakaf uang untuk pengembangan industri halal.
This study aims to show the implementation of the countercyclical policy of the Financial Services Authority regulation number 11/POJK.03/2020 and the impact of this policy on the risk of non-performing financing, especially at Bank Syariah Indonesia Godean 3 sub-branch office. This study is qualitative research, with data collection tools in the form of interviews and documentation. Data analysis uses the concept of Miles and Huberman: data reduction, data presentation, and conclusions and verification. The results of this study indicate that the countercyclical policy at Bank Syariah Indonesia Godean 3 sub-branches for all financing segments affected by the covid-19 pandemic, namely financing restructuring in the form of reconditioning and financing quality, has returned to normal. The policy is carried out for one year with a financing assessment based on paying instalments accurately. The impact of the Financial Services Authority regulation number 11/POJK.03/2020 for Islamic banks is a decrease in the non-performing financing portfolio; in addition, the provision for allowance for possible losses on productive assets is also reduced. This research contributes to science, especially countercyclical policies, in overcoming economic problems. Then it can be used by Islamic financial institutions as a reference in dealing with non-natural disasters such as the covid-19 pandemic.
The purpose of this study was to analyze the effect of performance ratios, namely capital adequacy ratio (CAR), non-performing financing (NPF), and financing to deposit ratio (FDR), on third-party funds (TPF) at Islamic commercial banks (ICB). Then, analyze the performance ratio and growth of TPF before and during the covid-19 pandemic on ICB. The method in this research uses a quantitative approach. Data collection uses secondary data in the form of documentation. The population of this study is all ICB registered with the financial services authority (FSA) for the 2019-2020 period. Sampling in this study uses purposive sampling. The data analysis technique used multiple linear regression analysis and comparison of paired samples. The results showed that partially CAR, NPF, and FDR did not affect the growth of TPF in ICB. However, CAR, NPF, and FDR simultaneously affect the growth of TPF in ICB. Then the comparison results show no difference in CAR, NPF, and FDR before and during the covid-19 pandemic. However, the growth of TPF shows a significant difference before and during the covid-19 pandemic.
Micro, Small, and Medium Enterprises (MSMEs) are essential to economic growth. However, the growth of MSMEs is constrained by difficulties in accessing capital. This study aims to determine the effect of the variable amount of financing (plafond), the application process, the repayment period (tenor), and the frequency of borrowing on the growth of MSMEs. This study uses a quantitative method with a sample of 80 respondents from Bank Syariah Indonesia branch office Sleman Prambanan customers. The sample selection used a purposive sampling technique with the criteria that Bank Syariah Indonesia branch office Sleman Prambanan customers were SMEs in the Yogyakarta and Klaten areas and used financing products such as BSI KUR Micro, BSI KUR Kecil, and BSI Super Micro. The analytical technique used is the classical assumption test, multiple linear regression analysis, t-test, F test, and the coefficient of determination with the help of SPSS software. The results show that the amount of financing (plafond) and the repayment period (tenor) have a positive effect. In contrast, the application process and the borrowing frequency do not positively affect the growth of MSMEs.
The consumer confidence index is an economic indicator designed to measure consumer confidence or doubt about the economic conditions of a country. The consumer confidence index can have an impact on the level of consumer interest in shopping so that it affects business activities, industry, and has a direct impact on the rate of econom ic growth. The condition of the consumer confidence index continues to improve, even though it is still during the Covid-19 pandemic and is still in the pessimistic zone, namely the index is below 100, the August 2020 consumer confidence index is 86.9 that is higher than in July 2020 of 86.2. This study uses trend analysis to estimate or forecast the future, and data obtained from the Bank Indonesia Consumer Survey. The results of this study show that the improvement in consumer confidence is drive by consumer perceptions of current economic conditions, namely increased income, job availability, and purchasing of goods.
Penelitian ini mengukur dan menganalisis literasi keuangan dan keuangan inklusif di Indonesia menggunakan data Survey on Financial Inclusion and Access SOFIA untuk melihat tingkat aksesibilitas masyarakat. Disisi lain penggunaan aplikasi Access and Information of Banks and Islamic Finance Account for Micro, Small, and Medium-Sized Enterprises (ADIBA MSME) sebagai sarana dalam meningkatkan aksesibilitas dan literasi keuangan masyarakat yang berdampak pada terciptanya iklim keuangan yang inklusif. Temuan dalam penelitian ini mengungkapkan bahwa ADIBA MSME memiliki pengaruh yang signifikan terhadap peningkatan inklusi keuangan. Hasil ini dapat menarik perhatian pemangku kebijakan untuk meningkatkan penggunaan aplikasi sejenis. Kata kunci : Inklusi Keuangan, Literasi Keuangan, Lembaga Keuangan Syariah.
Islamic Bank is a Bank which in carrying out its activities based on Islamic principles. The purpose of this study was to determine the effect of the level of religiosity and perceptions of usury on the interest of MSME businessman in Kasihan District, Bantul to save at Islamic banks. This type of research is quantitative research with a sample of 42 MSME actors. The data collection technique in this study used a questionnaire. The data analysis technique used is descriptive analysis, classical assumption test and multiple linear regression analysis. From the results of the analysis, it can be concluded that the level of religiosity does not have a positive and significant effect on the interest in saving for MSME actors in Kasihan District, Bantul in Islamic Banks. Perceptions of usury have a positive and significant influence on the interest in saving for MSME actors in Kasihan District, Bantul in Islamic Banks. The level of religiosity and perceptions of usury together have an influence on the saving interest of MSME actors in Kasihan District, Bantul in Islamic Banks.
scite is a Brooklyn-based organization that helps researchers better discover and understand research articles through Smart Citations–citations that display the context of the citation and describe whether the article provides supporting or contrasting evidence. scite is used by students and researchers from around the world and is funded in part by the National Science Foundation and the National Institute on Drug Abuse of the National Institutes of Health.
hi@scite.ai
10624 S. Eastern Ave., Ste. A-614
Henderson, NV 89052, USA
Copyright © 2024 scite LLC. All rights reserved.
Made with 💙 for researchers
Part of the Research Solutions Family.