Pub Date : 2023-06-30DOI: 10.33592/jeb.v29i01.3493
M Arief Rahman, Kenny Astria
Penelitian ini mengkaji dampak fintech terhadap perkembangan perbankan melalui pendekatan kualitatif. Hasil penelitian menunjukkan bahwa fintech telah menghasilkan layanan keuangan yang inovatif dan mudah diakses, meningkatkan efisiensi operasional perbankan, serta meningkatkan aksesibilitas bagi masyarakat. Namun, tantangan terkait keamanan data dan regulasi perlu diperhatikan oleh sektor perbankan. Dalam kesimpulannya, penelitian ini menggarisbawahi pentingnya mengoptimalkan penggunaan fintech dalam mengembangkan layanan keuangan yang lebih baik dan responsif terhadap perubahan dalam industri perbankan.
{"title":"DAMPAK FINTECH TERHADAP PERKEMBANGAN PERBANKAN","authors":"M Arief Rahman, Kenny Astria","doi":"10.33592/jeb.v29i01.3493","DOIUrl":"https://doi.org/10.33592/jeb.v29i01.3493","url":null,"abstract":"Penelitian ini mengkaji dampak fintech terhadap perkembangan perbankan melalui pendekatan kualitatif. Hasil penelitian menunjukkan bahwa fintech telah menghasilkan layanan keuangan yang inovatif dan mudah diakses, meningkatkan efisiensi operasional perbankan, serta meningkatkan aksesibilitas bagi masyarakat. Namun, tantangan terkait keamanan data dan regulasi perlu diperhatikan oleh sektor perbankan. Dalam kesimpulannya, penelitian ini menggarisbawahi pentingnya mengoptimalkan penggunaan fintech dalam mengembangkan layanan keuangan yang lebih baik dan responsif terhadap perubahan dalam industri perbankan.","PeriodicalId":32272,"journal":{"name":"Jurnal Ekonomi Bisnis dan Kewirausahaan JEBIK","volume":"6 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136370022","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Penelitian ini bertujuan untuk menganalisis pengaruh belanja fungsi kesehatan, belanja fungsi pendidikan, pengangguran, dan pertumbuhan ekonomi terhadap indeks pembangunan manusia pada kabupaten/kota di Provinsi Bengkulu. Adapun jenis data dan alat analisis yang digunakan dalam penelitian ini adalah data panel dan analisi regresi linear berganda. Berdasarkan hasil regresi data panel, diperoleh fixed effect model sebagai model terbaik. Adapun hasil penelitian berdasarkan uji t diperoleh hasil bahwa secara parsial belanja fungsi kesehatan dan pengangguran memiliki pengaruh positif terhadap indeks pembangunan manusia pada α=5%, sedangkan belanja fungsi pendidikan dan pertumbuhan ekonomi memiliki pengaruh negatif dan signifikan terhadap indeks pembangunan manusia pada α=5%. Sementara berdasarkan uji F diperoleh hasil bahwa secara simultan belanja fungsi kesehatan, belanja fungsi pendidikan, pengangguran dan pertumbuhan ekonomi memiliki pengaruh positif terhadap indeks pembangunan manusia pada α=5% dengan hasil nilai R-square sebesar 0.9927 atau sebesar 99,27 persen.
Kata kunci: Indeks Pembangunan Manusia; Belanja Fungsi Kesehatan; Belanja Fungsi Pendidikan; Pengangguran; Pertumbuhan Ekonomi.
{"title":"ANALISIS FAKTOR DETERMINASI INDEKS PEMBANGUNAN MANUSIA DI PROVINSI BENGKULU","authors":"Septriani Ani","doi":"10.32722/eb.v22i1.5769","DOIUrl":"https://doi.org/10.32722/eb.v22i1.5769","url":null,"abstract":"Penelitian ini bertujuan untuk menganalisis pengaruh belanja fungsi kesehatan, belanja fungsi pendidikan, pengangguran, dan pertumbuhan ekonomi terhadap indeks pembangunan manusia pada kabupaten/kota di Provinsi Bengkulu. Adapun jenis data dan alat analisis yang digunakan dalam penelitian ini adalah data panel dan analisi regresi linear berganda. Berdasarkan hasil regresi data panel, diperoleh fixed effect model sebagai model terbaik. Adapun hasil penelitian berdasarkan uji t diperoleh hasil bahwa secara parsial belanja fungsi kesehatan dan pengangguran memiliki pengaruh positif terhadap indeks pembangunan manusia pada α=5%, sedangkan belanja fungsi pendidikan dan pertumbuhan ekonomi memiliki pengaruh negatif dan signifikan terhadap indeks pembangunan manusia pada α=5%. Sementara berdasarkan uji F diperoleh hasil bahwa secara simultan belanja fungsi kesehatan, belanja fungsi pendidikan, pengangguran dan pertumbuhan ekonomi memiliki pengaruh positif terhadap indeks pembangunan manusia pada α=5% dengan hasil nilai R-square sebesar 0.9927 atau sebesar 99,27 persen.
 Kata kunci: Indeks Pembangunan Manusia; Belanja Fungsi Kesehatan; Belanja Fungsi Pendidikan; Pengangguran; Pertumbuhan Ekonomi.","PeriodicalId":32272,"journal":{"name":"Jurnal Ekonomi Bisnis dan Kewirausahaan JEBIK","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135449401","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Penelitian ini bertujuan untuk menganalisis model bisnis, merumuskan alternatif strategi, menentukan prioritas alternatif strategi, dan merancang model bisnis baru dengan pendekatan Business Model Canvas. Penelitian ini dilakukan pada Restoran Ayam Panggang X di Depok menggunakan metode penelitian model Eksploratoris Sekuensial, di mana penelitian ini menggunakan penelitian kualitatif sebagai metode yang utama dan kuantitatif sebagai metode pelengkap. Teknik pengumpulan data yang digunakan adalah melalui wawancara, observasi, dokumentasi, kuesioner, dan triangulasi. Metode yang digunakan adalah Business Model Canvas (BMC) untuk menggambarkan model bisnis saat ini, Analisis Strength, Weakness, Opportunity, Threat (SWOT) untuk merumuskan alternatif strategi, dan Matriks Quantitative Strategic Planning Matrix (QSPM) untuk menentukan prioritas alternatif strategi. Berdasarkan hasil Analisis SWOT, terumuskan delapan alternatif strategi antara lain 1) Fokus dan kembangkan Value sebagai fnb tech, 2) Melakukan riset pada pasar digital secara berkesinambungan, 3) Melakukan evaluasi terhadap strategi pemasaran agar lebih terfokus, 4) Memperluas relasi bisnis, 5) Membuat promosi yang lebih menarik, 6) Menambah karyawan baru, 7) Meningkatkan alokasi biaya pemasaran, 8) Membuat peraturan yang lebih tegas bagi karyawan yang melanggar SOP. Berdasarkan hasil perhitungan Matriks QSPM strategi melakukan riset pada pasar digital secara berkesinambungan memiliki nilai tertinggi untuk diprioritaskan dengan niai 13,87.
{"title":"Analisis Strategi Pengembangan Usaha dengan Pendekatan BUSINESS MODEL CANVAS","authors":"Mellisa Magdalena Yudha, Iis Mariam, Erlyn Rosalina","doi":"10.32722/eb.v22i1.5291","DOIUrl":"https://doi.org/10.32722/eb.v22i1.5291","url":null,"abstract":"Penelitian ini bertujuan untuk menganalisis model bisnis, merumuskan alternatif strategi, menentukan prioritas alternatif strategi, dan merancang model bisnis baru dengan pendekatan Business Model Canvas. Penelitian ini dilakukan pada Restoran Ayam Panggang X di Depok menggunakan metode penelitian model Eksploratoris Sekuensial, di mana penelitian ini menggunakan penelitian kualitatif sebagai metode yang utama dan kuantitatif sebagai metode pelengkap. Teknik pengumpulan data yang digunakan adalah melalui wawancara, observasi, dokumentasi, kuesioner, dan triangulasi. Metode yang digunakan adalah Business Model Canvas (BMC) untuk menggambarkan model bisnis saat ini, Analisis Strength, Weakness, Opportunity, Threat (SWOT) untuk merumuskan alternatif strategi, dan Matriks Quantitative Strategic Planning Matrix (QSPM) untuk menentukan prioritas alternatif strategi. Berdasarkan hasil Analisis SWOT, terumuskan delapan alternatif strategi antara lain 1) Fokus dan kembangkan Value sebagai fnb tech, 2) Melakukan riset pada pasar digital secara berkesinambungan, 3) Melakukan evaluasi terhadap strategi pemasaran agar lebih terfokus, 4) Memperluas relasi bisnis, 5) Membuat promosi yang lebih menarik, 6) Menambah karyawan baru, 7) Meningkatkan alokasi biaya pemasaran, 8) Membuat peraturan yang lebih tegas bagi karyawan yang melanggar SOP. Berdasarkan hasil perhitungan Matriks QSPM strategi melakukan riset pada pasar digital secara berkesinambungan memiliki nilai tertinggi untuk diprioritaskan dengan niai 13,87.","PeriodicalId":32272,"journal":{"name":"Jurnal Ekonomi Bisnis dan Kewirausahaan JEBIK","volume":"36 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135449462","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This study aims to determine the factors that motivate the work participation of housewives in improving the family economy. This research was conducted on fishing housewives in Sumbawa Regency. The type of research used in this research is associative research. The type of data used is quantitative data obtained directly from the source. The population in this study was the fishermen community in Labuhan Jambu, Tarano District, totaling 1,015 people, while the determination of the sample used the Slovin technique so that the number of samples was 91 people. Data was collected using a questionnaire. Data analysis was performed using multiple linear regression analysis techniques, partial and simultaneous hypothesis testing, and testing the coefficient of determination (R2) through SPSS software version 16.0 for windows. The results of this study indicate that (1) the level of education has a positive and significant effect on the participation of housewives in improving the economy of fishermen's households (2) the number of family dependents has a positive and significant effect on the participation of housewives in improving the economy of fishermen's households (3) the level of education and the number of family dependents have a significant effect on the participation of housewives in improving the fishermen's household economy.
{"title":"FAKTOR-FAKTOR YANG MEMOTIVASI PARTISIPASI KERJA IBU RUMAH TANGGA DALAM MENINGKATKAN EKONOMI KELUARGA","authors":"Elly Karmeli, Inda Julisatina","doi":"10.58406/jeb.v11i1.1149","DOIUrl":"https://doi.org/10.58406/jeb.v11i1.1149","url":null,"abstract":"This study aims to determine the factors that motivate the work participation of housewives in improving the family economy. This research was conducted on fishing housewives in Sumbawa Regency. The type of research used in this research is associative research. The type of data used is quantitative data obtained directly from the source. The population in this study was the fishermen community in Labuhan Jambu, Tarano District, totaling 1,015 people, while the determination of the sample used the Slovin technique so that the number of samples was 91 people. Data was collected using a questionnaire. Data analysis was performed using multiple linear regression analysis techniques, partial and simultaneous hypothesis testing, and testing the coefficient of determination (R2) through SPSS software version 16.0 for windows. The results of this study indicate that (1) the level of education has a positive and significant effect on the participation of housewives in improving the economy of fishermen's households (2) the number of family dependents has a positive and significant effect on the participation of housewives in improving the economy of fishermen's households (3) the level of education and the number of family dependents have a significant effect on the participation of housewives in improving the fishermen's household economy.","PeriodicalId":32272,"journal":{"name":"Jurnal Ekonomi Bisnis dan Kewirausahaan JEBIK","volume":"22 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135270359","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This study aims to know the role of human resource of Village Owned Enterprise (VOE) in improving village economy in Labuhan Jambu Village, Tarano Sub-District, Sumbawa District. The type of this study was associative study. The type of data used is quantitative data in the form of the results of respondents' answers obtained directly through a questionnaire. The population in this study were all BUMDes managers in Labuhan Jambu Village, Tarano Sub-District, Sumbawa District, totaling 213 people, while the number of samples was determined using the Slovin formula. The calculation results show that the number of samples is 68 people. All data that has been collected will then be processed using the SPSS program. SPSS output in the form of results will be analyzed and interpreted using simple linear regression analysis techniques, partial parameter hypothesis testing (t test), and the coefficient of determination test (R2). The results showed that BUMDes human resources had a positive and significant effect on the economy of Labuhan Jambu Village, Tarano Sub-District, Sumbawa District. The ability of BUMDes human resource variables to explain changes in economic variables in the village of Labuhan Jambu, Tarano Sub-District, Sumbawa District is 61.4%, while the remaining 38.6% is influenced by other variables outside this research model.
{"title":"PERAN SUMBER DAYA MANUSIA BUMDES DALAM MENINGKATKAN PEREKONOMIAN DESA LABUHAN JAMBU KABUPATEN SUMBAWA","authors":"S Susmita, Wahyu Haryadi, Roos Nana Sucihati","doi":"10.58406/jeb.v11i1.1160","DOIUrl":"https://doi.org/10.58406/jeb.v11i1.1160","url":null,"abstract":"This study aims to know the role of human resource of Village Owned Enterprise (VOE) in improving village economy in Labuhan Jambu Village, Tarano Sub-District, Sumbawa District. The type of this study was associative study. The type of data used is quantitative data in the form of the results of respondents' answers obtained directly through a questionnaire. The population in this study were all BUMDes managers in Labuhan Jambu Village, Tarano Sub-District, Sumbawa District, totaling 213 people, while the number of samples was determined using the Slovin formula. The calculation results show that the number of samples is 68 people. All data that has been collected will then be processed using the SPSS program. SPSS output in the form of results will be analyzed and interpreted using simple linear regression analysis techniques, partial parameter hypothesis testing (t test), and the coefficient of determination test (R2). The results showed that BUMDes human resources had a positive and significant effect on the economy of Labuhan Jambu Village, Tarano Sub-District, Sumbawa District. The ability of BUMDes human resource variables to explain changes in economic variables in the village of Labuhan Jambu, Tarano Sub-District, Sumbawa District is 61.4%, while the remaining 38.6% is influenced by other variables outside this research model.","PeriodicalId":32272,"journal":{"name":"Jurnal Ekonomi Bisnis dan Kewirausahaan JEBIK","volume":"102 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135270365","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This study aims to determine the effect of village fund allocation policies on rural economic development in Luk Village, Rhee Sub-District, Sumbawa District. This type of research is associative research which aims to determine the relationship or influence between two or more variables. The type of data used is quantitative data obtained from the results of scoring on respondents' answers related to research problems. Data obtained directly from respondents through a questionnaire. This research is a sample research, in which researchers took a sample of 95 people as representatives of a total population of 1,940 people. The data that has been collected is processed using the SPSS program for further analysis and interpretation using simple linear regression analysis techniques, partial parameter hypothesis testing (t test), and determination coefficient test (R2). The results showed that the village fund allocation policy had a positive and significant effect on rural economic development in Luk Village, Rhee Sub-District, Sumbawa District. That is, the greater the allocation of village funds in development, the rural economic growth in Luk Village, Rhee Sub-District, Sumbawa District will also increase, and vice versa. The ability of village fund allocation policy variables to explain variations in changes in rural economic development variables in Luk Village, Rhee Sub-District, Sumbawa District is 35.6%, while the remaining 64.4% is influenced by other variables outside this research model.
{"title":"EFEKTIVITAS KEBIJAKAN ALOKASI DANA DESA BAGI PEMBANGUNAN EKONOMI PERDESAAN","authors":"Rita Kusmunawati, S Syafruddin","doi":"10.58406/jeb.v11i1.1157","DOIUrl":"https://doi.org/10.58406/jeb.v11i1.1157","url":null,"abstract":"This study aims to determine the effect of village fund allocation policies on rural economic development in Luk Village, Rhee Sub-District, Sumbawa District. This type of research is associative research which aims to determine the relationship or influence between two or more variables. The type of data used is quantitative data obtained from the results of scoring on respondents' answers related to research problems. Data obtained directly from respondents through a questionnaire. This research is a sample research, in which researchers took a sample of 95 people as representatives of a total population of 1,940 people. The data that has been collected is processed using the SPSS program for further analysis and interpretation using simple linear regression analysis techniques, partial parameter hypothesis testing (t test), and determination coefficient test (R2). The results showed that the village fund allocation policy had a positive and significant effect on rural economic development in Luk Village, Rhee Sub-District, Sumbawa District. That is, the greater the allocation of village funds in development, the rural economic growth in Luk Village, Rhee Sub-District, Sumbawa District will also increase, and vice versa. The ability of village fund allocation policy variables to explain variations in changes in rural economic development variables in Luk Village, Rhee Sub-District, Sumbawa District is 35.6%, while the remaining 64.4% is influenced by other variables outside this research model.","PeriodicalId":32272,"journal":{"name":"Jurnal Ekonomi Bisnis dan Kewirausahaan JEBIK","volume":"102 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135270416","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This study aims to determine the determinants of the productivity of pottery production in Sumbawa Regency which consist of business capital and working hours. This research is a causal associative research with quantitative techniques. This research is a population study, where in this study a total population of 30 people was used as the research sample. The method used to collect data is to use a questionnaire. All data that has been collected will be processed using the help of the SPSS program to be studied using techniques which include multiple linear regression analysis, individual parameter hypothesis testing (t test), simultaneous parameter hypothesis testing (F test), and determinant coefficient test (R2). The results of this study indicate that business capital and working hours have a positive and significant effect on the productivity of pottery production in Sumbawa Regency, both partially and simultaneously. The ability of the variables of business capital and working hours to vary the variable changes in the productivity of pottery handicraft production in Sumbawa Regency is 98.5%, while the remaining 1.5% is influenced by other variables outside this research model, such as competence, work experience and others.
{"title":"ANALISIS DETERMINAN PRODUKTIVITAS PRODUKSI KERAJINAN GERABAH DI KABUPATEN SUMBAWA","authors":"K Kamaruddin, D Devi","doi":"10.58406/jeb.v11i1.1158","DOIUrl":"https://doi.org/10.58406/jeb.v11i1.1158","url":null,"abstract":"This study aims to determine the determinants of the productivity of pottery production in Sumbawa Regency which consist of business capital and working hours. This research is a causal associative research with quantitative techniques. This research is a population study, where in this study a total population of 30 people was used as the research sample. The method used to collect data is to use a questionnaire. All data that has been collected will be processed using the help of the SPSS program to be studied using techniques which include multiple linear regression analysis, individual parameter hypothesis testing (t test), simultaneous parameter hypothesis testing (F test), and determinant coefficient test (R2). The results of this study indicate that business capital and working hours have a positive and significant effect on the productivity of pottery production in Sumbawa Regency, both partially and simultaneously. The ability of the variables of business capital and working hours to vary the variable changes in the productivity of pottery handicraft production in Sumbawa Regency is 98.5%, while the remaining 1.5% is influenced by other variables outside this research model, such as competence, work experience and others.","PeriodicalId":32272,"journal":{"name":"Jurnal Ekonomi Bisnis dan Kewirausahaan JEBIK","volume":"149 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135270417","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Erlis Mawaddah, Novi Kadewi Sumbawati, Rosyidah Rachman
The purpose of this research was to determine the impact of the renovation of the Saliperate beach facility on the income of the people of Sumbawa Regency. This type of research is a comparative research that aims to compare people's income before and after the renovation of the Saliper Ate Beach facility. The type of data used is quantitative data in the form of community income data before and after the renovation of the Saliper Ate Beach facility which was obtained directly using the interview method. This research is a population study, in which researchers take the entire population of 21 people as the research sample. Data analysis was carried out by means of different test techniques, including paired samples statistics test, paired samples correlations test, and paired samples t-test. The results showed that there were differences between the income levels of the people in Sumbawa Regency before and after the renovation of the Saliper Ate Beach facility. The renovation of the Saliper Ate Beach facility has had a positive impact on people's income in Sumbawa Regency. The average amount of income earned by the community after the renovation of the Saliper Ate Beach facilities has increased compared to the income earned before the renovation of the Saliper Ate Beach facilities.
本研究的目的是确定Saliperate海滩设施的改造对松巴哇摄政人民收入的影响。这类研究是一种比较研究，旨在比较Saliper Ate Beach设施改造前后人们的收入。使用的数据类型为定量数据，采用访谈法直接获得Saliper Ate Beach设施改造前后的社区收入数据。这个研究是一个人口研究，研究人员将整个21人作为研究样本。数据分析采用不同的检验技术，包括配对样本统计量检验、配对样本相关性检验和配对样本t检验。结果表明，在Saliper Ate Beach设施改造前后，松巴哇县居民的收入水平存在差异。Saliper Ate Beach设施的改造对松巴哇县人民的收入产生了积极影响。在Saliper Ate Beach设施改造后，社区的平均收入比改造前有所增加。
{"title":"ANALISIS DAMPAK RENOVASI FASILITAS PANTAI SALIPER ATE TERHADAP PENDAPATAN MASYARAKAT KABUPATEN SUMBAWA","authors":"Erlis Mawaddah, Novi Kadewi Sumbawati, Rosyidah Rachman","doi":"10.58406/jeb.v11i1.1168","DOIUrl":"https://doi.org/10.58406/jeb.v11i1.1168","url":null,"abstract":"The purpose of this research was to determine the impact of the renovation of the Saliperate beach facility on the income of the people of Sumbawa Regency. This type of research is a comparative research that aims to compare people's income before and after the renovation of the Saliper Ate Beach facility. The type of data used is quantitative data in the form of community income data before and after the renovation of the Saliper Ate Beach facility which was obtained directly using the interview method. This research is a population study, in which researchers take the entire population of 21 people as the research sample. Data analysis was carried out by means of different test techniques, including paired samples statistics test, paired samples correlations test, and paired samples t-test. The results showed that there were differences between the income levels of the people in Sumbawa Regency before and after the renovation of the Saliper Ate Beach facility. The renovation of the Saliper Ate Beach facility has had a positive impact on people's income in Sumbawa Regency. The average amount of income earned by the community after the renovation of the Saliper Ate Beach facilities has increased compared to the income earned before the renovation of the Saliper Ate Beach facilities.","PeriodicalId":32272,"journal":{"name":"Jurnal Ekonomi Bisnis dan Kewirausahaan JEBIK","volume":"92 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135270357","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This study aims to examine the financial performance of the Laju Civil Servant Cooperative (KPN), Moyo Hulu District, Sumbawa Regency in 2019-2021. The type of data used is quantitative data in the form of financial performance data obtained from documents or archives of KPN Laju financial reports for 2019-2021. the ratio analysis technique used is in accordance with the Minister of Cooperatives and SMEs of the Republic of Indonesia No. 06 of 2006 concerning guidelines for evaluating cooperatives, namely the liquidity ratio, sovability ratio and profitability/profitability ratio. The results showed that the financial performance of KPN Laju was very poor in terms of liquidity, this can be seen from the current ratio in the "very unhealthy" category and the cash ratio in the "healthy" category. This means that KPN Laju's ability to meet short-term obligations (debt) at maturity is still very low. The financial performance of KPN Laju is very good from the aspect of solvency, it can be seen from the DAR ratio and DER ratio which are in the healthy category. This means that KPN Laju has a very good ability to fulfill all of its obligations. The financial performance of KPN Laju is not good in terms of the profitability aspect, this can be seen based on the ROA ratio which is in the "unsound" category and the "unsound" criteria based on the ROE ratio. This means that KPN Laju has a low ability to generate profits over a certain period.
{"title":"EVALUASI KINERJA KEUANGAN PADA KOPERASI PEGAWAI NEGERI (KPN) LAJU KECAMATAN MOYO HULU KABUPATEN SUMBAWA","authors":"U Usman, Peri Apriliyansah","doi":"10.58406/jeb.v11i1.1166","DOIUrl":"https://doi.org/10.58406/jeb.v11i1.1166","url":null,"abstract":"This study aims to examine the financial performance of the Laju Civil Servant Cooperative (KPN), Moyo Hulu District, Sumbawa Regency in 2019-2021. The type of data used is quantitative data in the form of financial performance data obtained from documents or archives of KPN Laju financial reports for 2019-2021. the ratio analysis technique used is in accordance with the Minister of Cooperatives and SMEs of the Republic of Indonesia No. 06 of 2006 concerning guidelines for evaluating cooperatives, namely the liquidity ratio, sovability ratio and profitability/profitability ratio. The results showed that the financial performance of KPN Laju was very poor in terms of liquidity, this can be seen from the current ratio in the \"very unhealthy\" category and the cash ratio in the \"healthy\" category. This means that KPN Laju's ability to meet short-term obligations (debt) at maturity is still very low. The financial performance of KPN Laju is very good from the aspect of solvency, it can be seen from the DAR ratio and DER ratio which are in the healthy category. This means that KPN Laju has a very good ability to fulfill all of its obligations. The financial performance of KPN Laju is not good in terms of the profitability aspect, this can be seen based on the ROA ratio which is in the \"unsound\" category and the \"unsound\" criteria based on the ROE ratio. This means that KPN Laju has a low ability to generate profits over a certain period.","PeriodicalId":32272,"journal":{"name":"Jurnal Ekonomi Bisnis dan Kewirausahaan JEBIK","volume":"34 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135270366","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This study aims to examine the influence of the factors that cause bad credit at PT. Pegadaian Persero Sumbawa Besar consisting of education, employment and income. This research uses associative method. The type of data used is quantitative data in the form of the results of research respondents' answers which are scored (scoring) which are obtained directly through distributing questionnaires. The respondents of this research are all customers of PT. Pegadaian Persero Sumbawa Besar totaling 30 people. All data that has been collected will be processed using the SPSS program to be studied using techniques which include multiple linear regression analysis, individual parameter hypothesis testing (t test), simultaneous parameter hypothesis testing (F test), and determinant coefficient test (R2). The results of this study indicate that partially education and employment have no effect on bad loans at PT. Pegadaian Persero Sumbawa Besar, while income partially has a negative and significant effect on bad loans at PT. Pawnshop Persero Sumbawa Besar. Simultaneously education, employment and income have a significant effect on bad loans at PT. Pawnshop Persero Sumbawa Besar. The ability of the variables of education, employment and income to variations in bad credit variables at PT. Pegadaian Persero Sumbawa Besar is 25.3%, while the remaining 74.7% is influenced by other variables not examined, such as character, interest rates, economic conditions, and others.
{"title":"ANALISIS FAKTOR-FAKTOR PENYEBAB KREDIT MACET PADA PT. PEGADAIAN PERSERO SUMBAWA BESAR","authors":"Abdul Rahim, R Rostriningsi","doi":"10.58406/jeb.v11i1.1167","DOIUrl":"https://doi.org/10.58406/jeb.v11i1.1167","url":null,"abstract":"This study aims to examine the influence of the factors that cause bad credit at PT. Pegadaian Persero Sumbawa Besar consisting of education, employment and income. This research uses associative method. The type of data used is quantitative data in the form of the results of research respondents' answers which are scored (scoring) which are obtained directly through distributing questionnaires. The respondents of this research are all customers of PT. Pegadaian Persero Sumbawa Besar totaling 30 people. All data that has been collected will be processed using the SPSS program to be studied using techniques which include multiple linear regression analysis, individual parameter hypothesis testing (t test), simultaneous parameter hypothesis testing (F test), and determinant coefficient test (R2). The results of this study indicate that partially education and employment have no effect on bad loans at PT. Pegadaian Persero Sumbawa Besar, while income partially has a negative and significant effect on bad loans at PT. Pawnshop Persero Sumbawa Besar. Simultaneously education, employment and income have a significant effect on bad loans at PT. Pawnshop Persero Sumbawa Besar. The ability of the variables of education, employment and income to variations in bad credit variables at PT. Pegadaian Persero Sumbawa Besar is 25.3%, while the remaining 74.7% is influenced by other variables not examined, such as character, interest rates, economic conditions, and others.","PeriodicalId":32272,"journal":{"name":"Jurnal Ekonomi Bisnis dan Kewirausahaan JEBIK","volume":"4 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-05-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135270356","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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