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.
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.