Tujuan dari makalah ini adalah menguji Hubungan antara Variabel Makroekonomi dengan Pembiayaan Sektor Usaha Kecil dan Menengah (UKM) pada Perbankan Syariah di Indonesia, antara lain Pengaruh variabel BI Rate terhadap Pertumbuhan Pembiayaan sektor UKM Perbankan Syariah, Pengaruh variabel Nilai Tukar terhadap Pertumbuhan Pembiayaan Sektor UKM Perbankan Syariah, Pengaruh variabel PDB terhadap Pertumbuhan Pembiayaan UKM Perbankan Syariah. Penelitian ini menggunakan pendekatan kuantitatif. Data yang digunakan dalam penelitian ini adalah data sekunder yang merupakan Data Time Series. Data dikumpulkan dari Laporan Triwulanan OJK (Otoritas Layanan Keuangan). Hubungan antara variabel makro dan pertumbuhan Pembiayaan UKM Perbankan Syariah, menjadikan variabel makro sebagai salah satu indikator yang dapat digunakan untuk menentukan pergerakan pertumbuhan Pembiayaan Perbankan Syariah, variable-variabel Makro meliputi BI Rate, Nilai Tukar, dan PDB. Penelitian ini diharapkan bermanfaat bagi pengembangan Ekonomi dan Keuangan Islam di Indonesia, khususnya di sektor perbankan Islam, dengan memberikan informasi tambahan kepada publik tentang keunggulan sistem ekonomi Islam. Penelitian ini memiliki implikasi penting bagi Sektor Perbankan Syariah dengan menginformasikan pengaruh Variabel Makroekonomi pada Pertumbuhan Pembiayaan UKM Perbankan Syariah.
The mining sector is a manufacturing company sector whose activities consist of extracting, processing and exploiting and selling coal, minerals, metals and natural gas. This research was conducted with the aim to determine whether ROA is affected by cash turnover, accounts receivable turnover and inventory turnover using documentation as a data collection and a method of multiple linear regression analysis through SPSS data processing. The population used is the mining and quarrying sector companies listed on Indonesia Stock Exchange (IDX) from 2017-2019 totaling 43 companies. The purposive sampling method was used in determining the sample which resulted in 33 samples. The research shows that cash turnover, accounts receivable turnover and inventory turnover have no effect on ROA because this is due to a decrease in the amount of production, cash flow constraints due to low turnover of accounts receivable and low sales so that inventory turnover is slow and inventory costs are higher.
The mining sector is a manufacturing company sector whose activities consist of extracting, processing and exploiting, and selling coal, minerals, metals, and natural gas. This research was conducted to determine whether ROA is affected by cash turnover, accounts receivable turnover, and inventory turnover using documentation as a data collection and a method of multiple linear regression analysis through SPSS data processing. The population used is the mining and quarrying sector companies listed on Indonesia Stock Exchange (IDX) from 2017-2019 totaling 43 companies. The purposive sampling method was used in determining the sample which resulted in 33 samples. The research shows that cash turnover, accounts receivable turnover and inventory turnover do not affect ROA because this is due to a decrease in the amount of production, cash flow constraints due to low turnover of accounts receivable, and low sales so that inventory turnover is slow and inventory costs are higher.
Housing development in Indonesia, especially in Sukabumi, in the last few years, many simple houses of type 30/60 have been built as a type of simple house that has received subsidized KPR facilities and is the type of house most sold in Indonesia. The problem studied in this study is that there is no incentive provided by the government to encourage the use of PV Rooftops. This study aims to see a comparison in the process of using PV rooftops with the installation of PLN electricity in the Home Ownership Credit (KPR) scheme, especially for subsidized KPR, which is the prima donna of housing in Indonesia today. So that it can provide input on what incentives should be done by the government. The method used is a comparison of the life cycle costs between the use of PLN electricity and PV Rooftop. From the results of the cost analysis carried out financially, this design has not been profitable from a financial point of view due to the high credit interest rate, namely 10%. Therefore, there needs to be a credit interest subsidy so that it can decrease to 5% -8% to obtain benefits compared to the use of electricity from PLN.
Student intentions for entrepreneurship can be said as the intention or desire of a student to run an entrepreneur. This research aims to determine how financial literacy and the environment affect students' intentions to engage in social entrepreneurship at Nusa Putra University. There were 170 respondents in this study, all of whom were undergraduate students at The University of Nusa Putra who studied a variety of majors. The hypothesis test used is a multiple linear regression test to see the influence between dependent variables and independent variables. The findings of this study show that financial literacy and their respective environments impact students' intentions to participate in social entrepreneurship.
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