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INKLUSI KEUANGAN DAN TEKNOLOGI, P2P LENDING, KEMISKINAN DAN PENGEMBANGAN SUMBER DAYA MANUSIA AGREGAT Bawono, Suryaning; Wilantari, Regina Niken
BISMA: Jurnal Bisnis dan Manajemen Vol 15 No 1 (2021)
Publisher : Jurusan Manajemen Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/bisma.v15i1.21358

This study aims to find the development of aggregate human resources based on human capital investment in poverty alleviation efforts in Indonesia. The data used is secondary data obtained and processed from the Indonesian Financial Services Authority and the world bank. This study uses a vector error correction model to estimate, simulate, and predict each of the variables studied to provide an overview of the opportunities and threats of technological inclusion and financial inclusion in poverty reduction efforts based on human capital investment in the education-based human capital framework. Inclusion has the potential to be an opportunity to reduce the cost of education so that human capital investment efforts in the framework of education-based human capital work by the poor have a higher chance of success. Financial inclusion support from official P2P lending can also support poor people's capital in investing in human capital, but with low interest and must be close to zero and would be better with zero interest. Keywords: education, financial inclusion, human resources, P2P lending, poverty alleviation

Improving the Quality of Human Resources through the Application of Good Psychology and Human Capital Widarni, Eny Lestari; Bawono, Suryaning
Asia Pacific Journal of Management and Education (APJME) Vol 5, No 3 (2022): November 2022
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/apjme.v5i3.1550

We'd want to look at existing research ideas on the aspects that lead to positive psychology, as well as the advantages of boosting the quality of human resources and human capital for economic growth. We gather scientific publications from Emerald, Science Direct, Sciendo, and Korean science, as well as books written by psychologists and economists, using Content Analysis. Human capital is an important thing that always exists in life around the world, human capital must and can be measured in quality, but there are challenges in developing human capital, namely: lack of operational definitions and value assessment of human resources owned, process complexity, subjectivity in its application, and the inconsistent information needs of administrators. In a buying and selling business, there are also unique characteristics, namely the lack of structure, the importance of persuasion and the development and maintenance of good relationships, things like this greatly affect the performance of Human Resources. Another thing that can affect the quality of your Human Resources is psychology. Employees who have good psychology tend to find it easier to get a job and get a salary which results in the economic stability of each individual and a country.

Circular Economy Role in Industry and Environmental Sustainability: Qualitative Content Analysis Approach Harnani, Sri; Bawono, Suryaning; Wahyu Wulandari, Mirta
Asia Pacific Journal of Management and Education (APJME) Vol 5, No 3 (2022): November 2022
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/apjme.v5i3.1546

Our research employs the qualitative research approach, and the outcome of our investigation is a hypothesis based on the findings of prior studies. We conducted an analysis starting from the influence of forests on various sectors and their interrelationships. We will investigate forest research systems and the principle of the circular economy. Naturally, forests and the circular economy are closely associated with industrial expansion. We identified four main topics in our initial research to understand the future potential benefits of a circular economy: Forests, Industry and Environmental Sustainability, Circular Economy, and pollution. Each subject is developable based on our study of thousands of research articles discovered using direct scientific search, emerald, and Google Scholar. Forests play a role as a supporter and an indicator of the success of sustainable economic development in industrial revolution 4 and circular economics. Industry and environmental sustainability are at the center of the concept of circular economics. Circular financial play a significant role in addressing ecological improvements—pollution results from industrial activities that threaten the environment and must be recycled or minimized.

The Relationship Between Agricultural Value Added, Investment and Consumption: Vector Error Correction Model Approach Sasongko, Budi; Puspaningtyas, Meinarti; Bawono, Suryaning
Asia Pacific Journal of Management and Education (APJME) Vol 5, No 2 (2022): July 2022
Publisher : AIBPM Publisher

The purpose of this study was to determine the impact of the relationship between agriculture on investment and consumption in Indonesia. This study uses data from a period of 36 years, from 1985 to 2020 by vector modeling to understand causal relationships between variables. This research is based on secondary data from the world bank. We use the variables of value-added agriculture, consumption, and investment in Indonesia. We find that macroeconomic variables such as agricultural value-added, consumption to GDP, and non-financial investment have a mutually influencing relationship. Changes that occur in one variable will affect other variables. With the decline in the value-added of agriculture, the level of consumption of the total GDP in Indonesia will increase. This happens because in Indonesia the decline in agricultural value-added can make consumption increase due to imports of agricultural products which increase along with it. However, an increase in consumption will also increase the value-added of agriculture, an increase in investment in the non-financial sector will increase the value-added of agriculture, and an increase in investment will increase consumption.

The Effect of Psychology on Economic Change Widarni, Eny Lestari; Febiyana, Rahma; Bawono, Suryaning
Asia Pacific Journal of Management and Education (APJME) Vol 5, No 2 (2022): July 2022
Publisher : AIBPM Publisher

The aim of this study is to investigate existing research ideas about the factors that contribute to positive psychology and their influence on economic transformation. We use Content Analysis to compile scientific papers from Emerald, Science Direct, Sciendo, and Korean science, as well as books produced by psychology and economics professionals. Adaptation, empowerment of human resources, a sense of hope, optimism, and fortitude are considered psychological assets that can be taken by workers when facing problems or obstacles in the workplace. Psychology also affects the economy of workers. In carrying out economic development, in this century there is a method called Information Economy. Information Communication Technology is driving this change process. The information economy emphasizes the importance of technological capital in humans. Changes in the Information Economy are largely determined by political influences (interests of state regulators) and financial factors (availability of the required volume of financial resources). The information economy can strike a balance in four main directions: The balance of infrastructure and its readiness for use in society and its impact on business; state regulation and market self-management; existing and new information; and external exchange of information. In building a balanced information economy, there are several obstacles, one of which is a resource deficit.

Value-added Agriculture, Investment, and Infrastructure Development in the Indonesian Economy: VECM Approach Sasongko, Budi; Harnani, Sri; Bawono, Suryaning
Asia Pacific Journal of Management and Education (APJME) Vol 5, No 2 (2022): July 2022
Publisher : AIBPM Publisher

The purpose of this study was to determine the impact of the relationship between agricultural value-added on investment and infrastructure development in Indonesia. This study uses data from a period of 36 years, from 1985 to 2020, with vector modeling to understand the causal relationship between variables. This research is based on secondary data from the world bank. We use the variables of value-added agriculture, investment, and infrastructure in Indonesia. The findings of this study indicate that macroeconomic factors such as value-added agriculture, non-financial investment, and infrastructure (percentage of government spending) are all interrelated. Changes in one variable will have an impact on other variables. As the value of agriculture declines, the Indonesian government will boost infrastructure spending. This happens because the decline in the value-added of agriculture in Indonesia can hamper infrastructure growth because the existing infrastructure is considered sufficient to support the needs of the agricultural sector. Increased investment, on the other hand, will increase the value-added of agriculture, which implies that agriculture is still receiving a sizeable investment and will continue to play a significant role in non-financial investment.

Law Reform, Justice, and Sustainable Tourism: Evaluating Legal Impacts on Hospitality Growth and Environmental Sustainability Mochtar, Dewi Astutty; Supriyadi, Supriyadi; Bawono, Suryaning; Indrayanti, Kadek Wiwik; Putra, Eka Nugraha
Journal of Law and Legal Reform Vol. 6 No. 3 (2025): July, 2025
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jllr.v6i3.23376

This study evaluates 97 countries from 2012 to 2022 using a dynamic panel data approach with a threshold model, which allows for analyzing how the impact of key variables may change over time and differ across countries depending on specific conditions or thresholds This study considers the variables Total Hotel Guests, Work Participation, World Justice Project Index, and CO2 emissions. The study discovered that the quality of fair legislation significantly influences hotel performance growth, employee engagement, and environmental sustainability. The factors’ influences differ before and after attaining the World Justice Project Index threshold value, as indicated by the threshold value 1.223. When the value of the World Justice Project Index falls below the cutoff, the relationship between Total Hotel Guests and other variables is weaker. However, when the World Justice Project Index value exceeds the threshold, the relationship between Total Hotel Guests and these variables strengthens. A high World Justice Project Index reflects a strong legal system, human rights protection, and good civil justice. Countries with high World Justice Project Index values tend to attract more tourists. Work participation contributes to an increase in total hotel guests. A good World Justice Project Index creates a conducive business environment, promotes economic growth, and increases employment opportunities. Any increase in CO2 emissions will reduce the total hotel guests. A low World Justice Project Index can impact environmental quality, including air pollution. A poor environment can reduce the attractiveness of a destination and hinder tourism growth. Fair laws significantly impact the tourism and hospitality industry.

The Effect of Psychology on Economic Change Widarni, Eny Lestari; Febiyana, Rahma; Bawono, Suryaning
Asia Pacific Journal of Management and Education (APJME) Vol 5, No 2 (2022): July 2022
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/apjme.v5i2.1549

The aim of this study is to investigate existing research ideas about the factors that contribute to positive psychology and their influence on economic transformation. We use Content Analysis to compile scientific papers from Emerald, Science Direct, Sciendo, and Korean science, as well as books produced by psychology and economics professionals. Adaptation, empowerment of human resources, a sense of hope, optimism, and fortitude are considered psychological assets that can be taken by workers when facing problems or obstacles in the workplace. Psychology also affects the economy of workers. In carrying out economic development, in this century there is a method called Information Economy. Information Communication Technology is driving this change process. The information economy emphasizes the importance of technological capital in humans. Changes in the Information Economy are largely determined by political influences (interests of state regulators) and financial factors (availability of the required volume of financial resources). The information economy can strike a balance in four main directions: The balance of infrastructure and its readiness for use in society and its impact on business; state regulation and market self-management; existing and new information; and external exchange of information. In building a balanced information economy, there are several obstacles, one of which is a resource deficit.

Value-added Agriculture, Investment, and Infrastructure Development in the Indonesian Economy: VECM Approach Sasongko, Budi; Harnani, Sri; Bawono, Suryaning
Asia Pacific Journal of Management and Education (APJME) Vol 5, No 2 (2022): July 2022
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/apjme.v5i2.1548

The purpose of this study was to determine the impact of the relationship between agricultural value-added on investment and infrastructure development in Indonesia. This study uses data from a period of 36 years, from 1985 to 2020, with vector modeling to understand the causal relationship between variables. This research is based on secondary data from the world bank. We use the variables of value-added agriculture, investment, and infrastructure in Indonesia. The findings of this study indicate that macroeconomic factors such as value-added agriculture, non-financial investment, and infrastructure (percentage of government spending) are all interrelated. Changes in one variable will have an impact on other variables. As the value of agriculture declines, the Indonesian government will boost infrastructure spending. This happens because the decline in the value-added of agriculture in Indonesia can hamper infrastructure growth because the existing infrastructure is considered sufficient to support the needs of the agricultural sector. Increased investment, on the other hand, will increase the value-added of agriculture, which implies that agriculture is still receiving a sizeable investment and will continue to play a significant role in non-financial investment.

The Relationship Between Agricultural Value Added, Investment and Consumption: Vector Error Correction Model Approach Sasongko, Budi; Puspaningtyas, Meinarti; Bawono, Suryaning
Asia Pacific Journal of Management and Education (APJME) Vol 5, No 2 (2022): July 2022
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/apjme.v5i2.1547

The purpose of this study was to determine the impact of the relationship between agriculture on investment and consumption in Indonesia. This study uses data from a period of 36 years, from 1985 to 2020 by vector modeling to understand causal relationships between variables. This research is based on secondary data from the world bank. We use the variables of value-added agriculture, consumption, and investment in Indonesia. We find that macroeconomic variables such as agricultural value-added, consumption to GDP, and non-financial investment have a mutually influencing relationship. Changes that occur in one variable will affect other variables. With the decline in the value-added of agriculture, the level of consumption of the total GDP in Indonesia will increase. This happens because in Indonesia the decline in agricultural value-added can make consumption increase due to imports of agricultural products which increase along with it. However, an increase in consumption will also increase the value-added of agriculture, an increase in investment in the non-financial sector will increase the value-added of agriculture, and an increase in investment will increase consumption.

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