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All Journal Indonesia Journal of Halal Equilibrium: Jurnal Ekonomi-Manajemen-Akuntansi Oeconomicus Journal of Economics El-Qist : Journal of Islamic Economics and Business (JIEB) JDEP (Jurnal Dinamika Ekonomi Pembangunan) Journal of Economics Development Issues Al-Muraqabah: Journal of Management and Sharia Business Jurnal Manajemen Dan Bisnis Ekonomi Economie : Jurnal Ilmu Ekonomi
Utami Silfia Ayu, Betty
Universitas Islam Negeri Sunan Ampel Surabaya
Religion Agriculture, Biological Sciences & Forestry Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Library & Information Science Social Sciences Other

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Dampak Pandemi Covid 19 Terhadap Sektor UMKM di Indonesia Utami, Betty Silfia Ayu
Economie: Jurnal Ilmu Ekonomi Vol 3, No 2 (2021): June
Publisher : Faculty of Economic an Business Wijaya Kusuma Surabaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (200.354 KB) | DOI: 10.30742/economie.v3i1.1511

Abstract

The COVID-19 pandemic has had a very significant impact on the domestic economy of nation-states and the existence of SME’s. This research aims to analyze the impact of the COVID-19 pandemic on the SME’s sector in Indonesia as well as the efforts made by the government in helping SME’S survive in the Covid-19 pandemic situation. The research method used in qualitative descriptive research, data collection techniques using documentation techniques, namely collecting data from various reference source. The results of the research are that the COVID-19 pandemic has had a tremendous impact on the performance of SME’s in Indonesia, this can be seen from the conditions before Covid-19, the percentage of good/very good business conditions of 92.7 percent and poor/very bad business conditions 1, 0 percent, after covid the bad/very bad business conditions increased by 56.8 percent compared to the original 1.0 percent. So it can be concluded that the COVID-19 pandemic has resulted in a decline in the performance of SME’s
Potensi Inovasi Indonesia di Tengah Bonus Demografi: Menjawab Tantangan Global Syakirul Niam; Betty Silfia Ayu Utami
JURNAL MANAJEMEN DAN BISNIS EKONOMI Vol. 2 No. 4 (2024): October : JURNAL MANAJEMEN DAN BISNIS EKONOMI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jmbe-itb.v2i4.2542

Abstract

Indonesia’s demographic bonus, marked by a large working-age population, offers significant potential to drive economic growth and innovation. However, despite this demographic advantage, Indonesia faces challenges in workforce quality, investment in research and development (R&D), and technological infrastructure. According to the Global Innovation Index 2023, Indonesia ranks 62nd out of 132 countries in innovation. The low proportion of skilled workers and the lack of formal training programs within companies exacerbate the innovation gap. To fully leverage its demographic potential, Indonesia needs comprehensive policy reforms in education and R&D, increased investment in human capital, and strengthened technological infrastructure. Without these improvements, the demographic bonus risks turning into a long-term burden rather than a catalyst for innovation and economic growth.
Determinan Penyerapan Tenaga Kerja Perempuan di 38 Kabupaten/Kota Provinsi Jawa Timur Tahun 2019-2023 Bachtiar, Dinda Rahmah Azizah; Utami, Betty Silfia Ayu
JDEP (Jurnal Dinamika Ekonomi Pembangunan) Vol. 8 No. 1 (2025): Vol. 8 No. 1 (2025): JDEP (Jurnal Dinamika Ekonomi Pembangunan)
Publisher : UPN "Veteran" Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33005/jdep.v8i1.657

Abstract

Tujuan pada penelitian ini untuk menelaah apakah akses internet, tingkat pendidikan dan upah minimum memengaruhi penyerapan tenaga kerja perempuan di kab/kota Provinsi Jawa. Metode kuantitatif digunakan pada penelitian ini. Regresi data panel menjadi teknik analisis pada penelitian ini. Output penelitian ini memperlihatkan antara akses internet, tingkat pendidikan dan upah minimum mempunyai pengaruh positif dan signifikan secara simultan terhadap penyerapan tenaga kerja perempuan di kab/kota Provinsi Jawa Timur. Disamping itu, akses internet secara parsial memengaruhi secara signifikan terhadap penyerapan tenaga kerja perempuan di kab/kota Provinsi Jawa Timur. Akan tetapi, tingkat pendidikan dan upah minimum secara parsial tidak memengaruhi secara signifikan terhadap penyerapan tenaga kerja perempuan di kab/kota Provinsi Jawa Timur. Sehingga pemerintah perlu memperluas akses internet di seluruh Jawa Timur, terutama di daerah dengan akses terbatas, sehingga perempuan dapat memanfaatkan pelatihan online dan lebih mudah mencari pekerjaan. Pemerintah juga perlu meninjau kualitas pendidikan agar lebih relevan dengan kebutuhan zaman serta meningkatkan program pelatihan khusus bagi perempuan. Selain itu, evaluasi UMP penting dilakukan agar upah minimum mencerminkan kebutuhan hidup yang layak dan memastikan kebijakan upah yang adil tanpa diskriminasi gender.
Analisis SWOT dengan Model Importance Performance Analysis (IPA) Pada Layanan Fintech Bank Syariah di Indonesia Mazza Basya, Maziyah; Utami Silfia Ayu, Betty
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 10 No. 2 (2020): October
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2020.10.2.179-191

Abstract

Fintech has great potential to encourage the development of Islamic economics and finance in Indonesia, especially now that fintech-based services have been widely applied in the Islamic finance industry in various countries. Fintech can be applied to Islamic banking to encourage the development of the Islamic financial industry by providing more efficiency and fast service to customers, however the existing fintech services have not fully met the expectations of its customers. Basically, SWOT analysis is used as a tool to formulate strategic planning based on the top managerial brainstorming process. Nowadays, some experts criticize the subjectivity of SWOT analysis for being too high, so this research uses the Importance Performance Analysis (IPA) method to determine the perceptions of fintech financing customers in Islamic banks in Indonesia so that it can be taken into consideration in managerial decision making for the development of Islamic bank fintech financing. in Indonesia. Key Words: Fintech; Islamic Bank; SWOT analysis; Importance Performance Analysis   Abstrak: Fintech sangat potensial untuk mendorong perkembangan ekonomi dan keuangan Syariah di Indonesia, terlebih saat ini layanan berbasis fintech telah banyak diterapkan dalam industri keuangan Syariah di berbagai Negara. Fintech dapat diaplikasikan pada perbankan Syariah untuk mendorong pengembangan industri keuangan Syariah dengan lebih memberikan efisiensi dan pelayanan jasa dalam waktu cepat kepada para nasabah, namun layanan fintech yang ada belum sepenuhnya memenuhi harapan nasabahnya. Analisis SWOT pada dasarnya digunakan sebagai alat untuk merumuskan perencanaan strategis berdasarkan proses brainstorming top manajerial. Dewasa ini, beberapa ahli mengkritisi subjektivitas analisis SWOT yang terlalu tinggi, sehingga penelitian ini menggunakan metode Importance Performance Analysis (IPA) untuk mengetahui persepsi nasabah pembiayaan fintech pada bank Syariah di Indonesia sehingga dapat dijadikan pertimbangan dalam pengambilan keputusan bagi manajerial untuk pengembangan pembiayaan fintech bank Syariah di Indonesia. Kata Kunci: Fintech; Bank Syariah; Analisis SWOT; Importance Performance Analysis
Relationship Between Economy and Moderation of Religion in Mororejo Village, Tosari District, Pasuruan Regency Lathifah, Nurul; Utami, Betty Silfia Ayu; Debby Nindya, Istiandari; Yusman, Beta Aria Nur Azizah; Pratiwi, Nur Fadillah Wahyuni Eka
OECONOMICUS Journal of Economics Vol. 9 No. 2 (2025): (June) edisi 18
Publisher : Program Studi Ilmu Ekonomi UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/oje.2025.9.2.151-162

Abstract

Economy and moderation are two things that cannot be separated. The relationship between the economy and moderation can be seen in Mororejo Village, Tosari District, Pasuruan Regency, empowering economic potential through increasing levels of productivity has a relationship to conditions of religious moderation in society, where people can accept religious differences that occur in their environment without discriminatory attitudes towards adherents minority religion. The attitude of acceptance of religious differences that occur also indirectly shows how the relationship of religious moderation is to economic conditions in Mororejo Village, where mutual tolerance and willingness to work together between religious adherents contribute to increasing the average production of the agricultural sector and raise people's average income.
Co-Authors Abdul Hakim Bachtiar, Dinda Rahmah Azizah Debby Nindya, Istiandari Frisca Yunita Sari Kafabih, Abdullah Lathifah, Nurul Maziyah Mazza Basya Nuzulul Siswo Abdulaziz Praktikto, Muhammad Iqbal Surya Pratiwi, Nur Fadillah Wahyuni Eka Rahmawati, Lilik Syakirul Niam Yusman, Beta Aria Nur Azizah