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All Journal YUME : Journal of Management Jurnal Politik dan Pemerintahan Daerah JPM: JURNAL PENGABDIAN MASYARAKAT Studi Ilmu Manajemen dan Organisasi Transekonomika : Akuntansi, Bisnis dan Keuangan JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (JHSSB) Jurnal Kolaboratif Sains ProBisnis : Jurnal Manajemen Akuntansi'45 Journal of Management and Business Journal of Management, Accounting, General Finance and International Economic Issues (MARGINAL) CEMERLANG :Jurnal Manajemen dan Ekonomi Bisnis Jurnal Visi Manajemen (JVM) Golden Ratio of Data in Summary Jurnal Manajemen Kreatif dan Inovasi Jurnal Ekonomi Kreatif dan Manajemen Bisnis Digital (JEKOMBITAL) INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE ManBiz: Journal of Management and Business IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita J-CEKI Jurnal Ekonomi, Manajemen, Akuntansi
Rita Yunus
Tadulako University, Palu, Indonesia
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Astronomy Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Medicine & Pharmacology Nursing Public Health Social Sciences Transportation Other

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Journal : Golden Ratio of Data in Summary

 1 
The Effectiveness of KUR Sharia Products in PT. Pegadaian Talise Branch UPC Tawaeli in SME Development Rifqah Fadhilah; Santi Yunus; Haerul Anam; Rita Yunus; M. Anwar Nasruddin
Golden Ratio of Data in Summary Vol. 4 No. 1 (2024): November - April
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v4i1.501

Abstract

PT. Pegadaian as a financial institution has an important role in providing financing for sharia-based SME as part of an effort to support this real sector. This study aims to determine the impact and benefits of using KUR Syariah and analyze the effectiveness of KUR Syariah products in \ the development of SME. The research method used is descriptive qualitative. The results of this study indicate that KUR Syariah products are effective in supporting the development of SME and have a very positive impact on MSME actors, and the benefits obtained through financing are business development and easier financial management. This research found several aspects to improve the effectiveness of Sharia KUR products at PT. Pegadaian, including consistent goals, consistent time, quantity provisions, and credit provisions. The four ways to measure the effectiveness of KUR products are very precise based on the consistency of targets, quantity and time in applying or distributing KUR. Therefore, in this case it can be said that the Sharia KUR Products distributed by PT. Pegadaian UPC Tawaeli are considered effective and right on target.
Analysis of MSME Loans on Economic Growth in Central Sulawesi in 2015-2022 Elfine Louise Abu Elfine Louise Abu; Rita Yunus; Edhi Taqwa; Yunus Sading; M. Musdayati
Golden Ratio of Data in Summary Vol. 4 No. 2 (2024): May - October
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v4i2.502

Abstract

The role of small and medium enterprises in Central Sulawesi during 2015-2022 in creating added value continues to increase, thus MSMEs are considered to have a strategic role in helping reduce unemployment and poverty. The first role of MSMEs in the economy of Central Sulawesi is as a means of leveling the economic level of society, especially the lower middle class. The aim of th is research is to analyze the influence of MSME credit on economic growth in Central Sulawesi. This research uses a simple regression method. Based on research results, the increase in Gross Regional Domestic Product (GRDP) and economic growth in Central Sulawesi in 2015-2022 has a significant positive effect on the amount of MSME credit. According to statistical tests the amount of MSME credit contribute significantly by 0,000 or less than the 5% significance level. This shows that the distribution of MSME credit will help MSME players to develop their businesses, increase the number of workers, which will also increase output per business unit and per worker so that it will have an impact on economic growth.
Analysis of Bakery Business Revenue in The Home Industry of 257 Roti Bandung in Palu City A. Adriansah; Rita Yunus
Golden Ratio of Data in Summary Vol. 4 No. 1 (2024): November - April
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v4i1.507

Abstract

The industry "Home Production 257 Roti Bandung" is one of the businesses that produces bread, this industry is located on Jalan Jl. Basuki Rahmat. Lorong Cendana 2, Kel. North Tatura District. South Palu. Home Production 257 Roti Bandung is a home industry that produces fresh and baked bread. This research aims to analyze the income earned by the Home Production Business 257 Roti Bandung in South Palu City. The determination of respondents in this research was carried out purposively, the respondents chosen were leaders, the data used in this research consisted of primary data and secondary data. As a result of the analysis that has been carried out, it is known that the income of the 257 Roti Bandung Home Production Industry in producing bread is IDR.66.360.667/ month, with receipts of Rp. 118.500.000/ month and the total costs incurred are Rp.52.139.333/month.
Service Business Revenue Analysis: Empirical Study on SME Sini Sa Clean Abdul Rahmat; Rita Yunus; Yunus Sading; Santi Yunus; Andi Herman Jaya; Meyti Ferdiana Paskual
Golden Ratio of Data in Summary Vol. 4 No. 1 (2024): November - April
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v4i1.508

Abstract

Small and Medium Enterprises, abbreviated as SMEs, play an important role in enhancing the economic growth of a country. They function to increase local income by meeting the community's needs for products and providing job opportunities. Sini sa Clean is one of the SMEs operating in the cleaning services sector in the city of Palu. Sini sa Clean offers room cleaning services, mattress cleaning, and sofa cleaning. This research aims to analyze the income and business feasibility of Sini sa Clean. The data analysis method used is the income analysis formula consisting of Total Cost (TC), Total Revenue (TR), and Profit (π). Meanwhile, to calculate business feasibility, the Revenue Cost Ratio (R/C Ratio) formula is used. Based on the research results, the average revenue for Sini sa Clean's cleaning service business is Rp. 2,521,000 per month, with total production costs amounting to Rp. 1,548,000 per month. These production costs consist of fixed and variable costs. From the data analysis results, the income generated by Sini sa Clean's business is Rp. 973,000 per month. Based on the business feasibility calculation (R/C Ratio), a value of 1.62 is obtained, which means 1.62 > 1. This indicates that for every Rp. 1 spent, there is a return of Rp. 1.62, making the revenue greater than the capital invested. Therefore, the cleaning service business of Sini sa Clean can be considered profitable, feasible to continue, and worth expanding.
The Role of Micro, Small, and Medium Enterprises in Improving Community Welfare Mia Audina; Rita Yunus; Kalvin A Parinding; M. Anwar Nasruddin
Golden Ratio of Data in Summary Vol. 4 No. 1 (2024): November - April
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v4i1.516

Abstract

Efforts to accelerate economic development are one of the government's strategies in empowering the community to reduce unemployment rates, one of which is the existence of Micro, Small and Medium Enterprises (MSMEs) which can improve the welfare of the community, because MSMEs are one of the driving forces for economic growth and development which has a contribution in creating labor and a source of income for the community. This research aims to find out the role of MSMEs in improving community welfare. and What is the government's role in empowering MSMEs in Padende Village. The method used in this research is descriptive with a qualitative approach. Based on research results, it is believed that the role of MSMEs can improve community welfare. This can be reflected in the contribution of MSMEs in meeting family economic needs, providing employment opportunities, and providing people with access to various types of products and services. With the development of MSMEs, local employment opportunities can increase, thereby helping to reduce the unemployment rate in the region. The Government's role in developing MSME sales stalls is able to have a positive impact on MSME players. Organizing entrepreneurship training and development can also help MSME owners improve their abilities in business management, marketing and finance.
The Effectiveness of the Program Keluarga Harapan (PKH) to Improve Community Welfare in Makmur Village, Palolo District, Sigi Regency Nasnianti Pasangka; Rita Yunus; Edhi Taqwa; Failur Rahman; Mukhtar Tallesang
Golden Ratio of Data in Summary Vol. 4 No. 1 (2024): November - April
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v4i1.517

Abstract

The purpose of this study was to determine how Program Keluarga Harapan (PKH) is implemented, how effective PKH is, and how well the PKH recipient community is. This study involved PKH Companions and PKH Recipients from Makmur Village, Palolo District. Research data were obtained through observation, interviews, and documentation. Then, the data was reduced, presented, and conclusions were drawn. The results of this study indicate that 1) Program Keluarga Harapan in Makmur Village has been implemented in accordance with the steps set for its implementation. 2) Program Keluarga Harapan has four indicators to measure its effectiveness, namely: program objectives, target setting, program socialization, and monitoring. Because the community receiving PKH assistance has met these four indicators, this program can be considered effective. 3) With PKH assistance, education, health, and daily needs have been met. Because it can help the community in meeting the needs of school children such as buying school clothes, toddler health, and daily needs, but there are still some PKH recipients who say that they do not feel better because they have just received PKH.
Analysis of Income from Palm Sugar Artisans in Makmur Village, Palolo District, Sigi Regency Salmah Hafista; Rita Yunus; Yunus Sading; Nuryana Haprin; Muhtar Lutfi
Golden Ratio of Data in Summary Vol. 4 No. 1 (2024): November - April
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v4i1.519

Abstract

This research aims to find out how much Palm Sugar Craftsman earn per month in Makmur Village, the research method is the method used in this research is the qualitative descriptive analysis method. By using primary data sources and secondary data. Data analysis in this research uses the income and revenue analysis method. Based on the results of research in Makmur Village the conclusion is that the income or profit results were IDR 1.098.335. From the receipt of IDR 1.710.000 from sales of Palm Sugar for ninenty pieces of Palm Sugar for a month, valued at eighteen thousand rupiah, the total costs of IDR 611.665 was obtained from fixed costs plus variable costs. To get income or profit, use TR-TC or 1.710.000-611.665 so you will get a result of IDR 1.108.335. The results of the R/C Ratio analysis show that the Palm Sugar business in Makmur Village provides profits with an R/C value shows that the Palm Sugar business in Makmur Village, Palolo District is worth running.
Analysis of Factors Influencing The Shift from Rice to Maize In Lembantongoa Village, Sigi Regency, Indonesia Umam, Sirajul; Sading, Yunus; Musdayanti, M.; Yunus, Rita; Tallesang, Mukhtar
Golden Ratio of Data in Summary Vol. 5 No. 4 (2025): August - October
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v5i4.1246

Abstract

This study analyzes the factors that drive farmers to shift from cultivating lowland rice to corn in Lembantongoa Village, Palolo District, Sigi Regency. Using a descriptive qualitative method, data were collected through observation, interviews, and questionnaires, with proportional random sampling. Analysis was conducted using frequency distribution tables. Findings reveal that the shift was mainly due to declining rice productivity, which reduced farmer income. Corn was chosen as an alternative because of its shorter harvesting period and higher economic value. Data from 2015 to 2022 show a 4.6% decrease in rice planting area and an 11.2% increase in corn. These economic and environmental factors have influenced the village farmers' transition.
Co-Authors A. Adriansah Abdul Rahmat Afriana Ahmad Syatir Akbar Hidayat Amal, Husaeva Amelia, Widya Andi Herman Jaya Andina Pangala Andina Pangala Anwar, Anas Iswanto Asmarini Asmarini Asriyani Asriyani Aulia, Nur Annisa Badria, Badria Busman Busman, Busman Busman, Muh. Rafli Chaerul Anam Dini Angraini Dyah, Tri Murti Ayu Edhi Taqwa Eko Jokolelono Elfine Louise Abu Elfine Louise Abu Failur Rahman Farida Millias Tuty Faruq Lamusa Fattah, Sanusi Fridly Devid Gunawan Tasiabe Haerul Anam Haerul Anam Hakimi, Shohib Ika Rafika Jody Setyadi Kalvin Albert Parinding Kamagi, Siti Hargita R. Karenhapukh Purba Kartika Kartika Kezia Verty Laendatu Paembonan Lare Murwokolo Cokro Lutfi, Muhtar M. Anwar Nasruddin M. Musdayati Mahbit Kusnandy Ma’rifah, Nur Ainun Meity Ferdiana Paskual Meity Ferdiana Paskual Meyti Ferdiana Paskual Mia Audina Mifta Khairani Nasution Moh Irsyat Arrosidik R. Abd Karim Mohamad Ichwan Muhammad Akbar Muhammad Idfal Muhilannuri MUHTAR LUTFI Muhtar Lutfi Mukhtar Tallesang Mus dayanti Musdayanti, M. Musdayati Musdayati Musdayati Musdayati Musdayati Musdayati Musdayati, Musdayati Nahdiasma Kirana Nahdiasma Kirana Naisela Vebyanti Y. Pontoh Nasnianti Pasangka Novita Sari Nudiatulhuda Mangun Nuryana Haprin Dj Achmad Nur’aziza Patta Tope Putri, Atista Galuh Surya Putri, Dini Aulia Rafika, Ika Rafil Pramana S.M. Arsad Rahmatia Rahmatia Rangga Putera Boroallo Ravika Rismawati Rengku, Stovan Rezaldi, Rezaldi Rifqah Fadhilah Risman Risman Sabri, Hamsah Salmah Hafista Santi Yunus Santi Yunus Solly Aryza Syamsuddin HM Syamsuddin Syamsuddin Tallesang, Mukhtar Umam, Sirajul Vera Sri Endah Cicilia Vera Sri Endah Cicilia Wahyul Wahyul Wahyul Wijaya, Fajar Wiri Wirastuti Yohan Yosep Sompotan Yunus Sading Yunus, Santi Yusril, Moh.