Article Per Year (5 Year)
p-Index From 2020 - 2025
0.61
P-Index
This Author published in this journals
All Journal Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Economics Development Analysis Journal
Heriyaldi
Unknown Affiliation
Economics, Econometrics & Finance

Published : 3 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 3 Documents
Search

 1 
ANALISIS SOLUSI PERMASALAHAN NON-PERFORMING LOAN DI KOPERASI SIMPAN PINJAM DAN UMKM Heriyaldi; Aurellia, Arfita; Shanaya, Nafsani; Widiandini Prita, Hapsari
Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Vol 2 No 2 (2020): Fair Value : Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : Departement Of Accounting, Indonesian Cooperative Institute, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (896.578 KB) | DOI: 10.32670/fairvalue.v2i2.92

Abstract

The bad credit or Non-performing Loan (NPL) in cooperative can be a problem that always happensevery year. With that, the government tries to reduce the NPL number as little as possible so the lossdoes not occur. This paper uses the primary data collection method, the writers interviewed the headof bank bukopin Cimahi?s branch and the writers also interviewed members of several cooperativesin Bandung and Jatinangor. The results of the interview stated that the problem of bad credit wascaused by, among others, members of the cooperative who had stalled in returning their loans, themanagement of the cooperative?s financial system was not good, and the business of the cooperativebeing undertaken is in decline. This certainly can result the distribution of credit through the linkageprogram being problematic.Seeing the problem of bad credit that occur, AKKI can be a solution fora strategy to strengthen MSME finance, especially in terms of capital. AKKI is an independentinstitution under the auspices of the Ministry of Cooperatives and Micro and Small and MediumEnterprise that integrates credit insurance throughout the Indonesian Cooperatives, so that eachcooperative can be insured to minimize the risk of dissolving a cooperative based on the reasons ofbad credit. This research is important to read as one of the efforts to realize financial stability incooperatives and MSMEs, especially in the sector of capital obtained from credit by reducing thenumber of Non-Performing Loans that continue to exist each year. With this, cooperatives canincrease their existence in Indonesia.
Analisis Solusi Permasalahan Non-Performing Loan Di Koperasi Simpan Pinjam dan UMKM Heriyaldi; Aurellia, Arfita; Shanaya, Nafsani; Widiandini Prita, Hapsari
Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Vol. 2 No. 2 (2020): Fair Value : Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : Departement Of Accounting, Indonesian Cooperative Institute, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1173.938 KB) | DOI: 10.32670/fairvalue.v2i2.92

Abstract

The bad credit or Non-performing Loan (NPL) in cooperative can be a problem that always happensevery year. With that, the government tries to reduce the NPL number as little as possible so the lossdoes not occur. This paper uses the primary data collection method, the writers interviewed the headof bank bukopin Cimahi’s branch and the writers also interviewed members of several cooperativesin Bandung and Jatinangor. The results of the interview stated that the problem of bad credit wascaused by, among others, members of the cooperative who had stalled in returning their loans, themanagement of the cooperative’s financial system was not good, and the business of the cooperativebeing undertaken is in decline. This certainly can result the distribution of credit through the linkageprogram being problematic.Seeing the problem of bad credit that occur, AKKI can be a solution fora strategy to strengthen MSME finance, especially in terms of capital. AKKI is an independentinstitution under the auspices of the Ministry of Cooperatives and Micro and Small and MediumEnterprise that integrates credit insurance throughout the Indonesian Cooperatives, so that eachcooperative can be insured to minimize the risk of dissolving a cooperative based on the reasons ofbad credit. This research is important to read as one of the efforts to realize financial stability incooperatives and MSMEs, especially in the sector of capital obtained from credit by reducing thenumber of Non-Performing Loans that continue to exist each year. With this, cooperatives canincrease their existence in Indonesia.
Bridging Financial Inclusion to Water and Sanitation: Insights from Indonesia Suryadi, Christian; Faisal Madjid Alyasa; Ahmad Komarulzaman; Heriyaldi
Economics Development Analysis Journal Vol. 13 No. 3 (2024): Economics Development Analysis Journal
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/edaj.v13i3.9783

Abstract

Lack of access to improved drinking water and sanitation has been a major worldwide challenge, especially in Indonesia. This study investigates the impact of financial inclusion on access to improved drinking water and sanitation among households in Indonesia. Using binary probit regression analysis complemented with dominance analysis, we assess the relative importance of various factors, including financial inclusion, socio-economic status, and residence, in determining access to improved drinking water and sanitation services. Our findings highlight the critical role of urban residence in facilitating access to improved drinking water and sanitation, with urban areas demonstrating significantly higher access rates. Furthermore, participation in savings emerges as a more influential factor compared to credit participation, particularly in improving access to sanitation facilities. This suggests that while both savings and credit contribute to improved access, savings play a more pronounced role in addressing the higher upfront costs associated with sanitation infrastructure. Additionally, socio-economic factors such as household expenditure and education level are found to significantly influence access to improved water and sanitation, underscoring the importance of addressing broader socio-economic disparities. Overall, our study provides valuable insights and emphasizing the need for comprehensive strategies for policymakers to enhance essential access to clean water and sanitation.
Co-Authors Ahmad Komarulzaman Aurellia, Arfita Faisal Madjid Alyasa Shanaya, Nafsani Suryadi, Christian Widiandini Prita, Hapsari