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All Journal Jurnal Ilmu Ekonomi dan Pembangunan SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Ensiklopedia of Journal YUME : Journal of Management JESI (Jurnal Ekonomi Syariah Indonesia) Ensiklopedia Social Review Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah JIMEK : Jurnal Ilmiah Mahasiswa Ekonomi Jurnal Ilmiah Manajemen Kesatuan Economics and Digital Business Review 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 International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) 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 Journal of Management and Social Sciences Priviet Social Sciences Journal Journal of Economics, Entrepreneurship, Management Business and Accounting Jurnal Manajemen Kreatif dan Inovasi Jurnal Ekonomi Kreatif dan Manajemen Bisnis Digital (JEKOMBITAL) IIJSE ManBiz: Journal of Management and Business IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Jurnal Cendekia Ilmiah Jurnal Ekonomi, Manajemen, Akuntansi Ulil Albab Jurnal Pengabdian Masyarakat Manage Al-Infaq : Jurnal Ekonomi Islam Jurnal Politik dan Pemerintahan Daerah
Rita Yunus
Tadulako University, Palu, Indonesia
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Analysis of MSME Loans on Economic Growth in Central Sulawesi in 2015-2022 Elfine Louise Abu, Elfine Louise Abu; Yunus, Rita; Taqwa, Edhi; Sading, Yunus; Musdayati, M.
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 Adriansah, A.; Yunus, Rita
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 Rahmat, Abdul; Yunus, Rita; Sading, Yunus; Yunus, Santi; Jaya, Andi Herman; Paskual, Meyti Ferdiana
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 Audina, Mia; Yunus, Rita; A Parinding, Kalvin; Anwar Nasruddin, M.
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 Pasangka, Nasnianti; Yunus, Rita; Taqwa, Edhi; Rahman, Failur; Tallesang, Mukhtar
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 Hafista, Salmah; Yunus, Rita; Sading, Yunus; Haprin, Nuryana; Lutfi, Muhtar
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.
The Effect of Tourist Attractions and Islamic Attributes on Muslim Tourist Visiting Decisions with Destination Image as a Mediating Variable at Tondok Bakaru Tourism Village Muhammad Akbar; Rita Yunus; Nurfadilah Sindika Sari; Efriza Pahlevi Wulandari; Rizkiani Iskandar
JESI (Jurnal Ekonomi Syariah Indonesia) Vol. 15 No. 3 (2025)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21927/jesi.2025.15(3).216-239

Abstract

Introduction: Indonesia has enormous potential in developing halal tourism, yet its implementation faces challenges in regions where Muslims are not the majority, such as Tondok Bakaru Tourism Village in West Sulawesi. Although the village offers stunning natural landscapes and rich cultural heritage, its ability to attract Muslim tourists remains uncertain due to limited Islamic attributes. This study aims to analyze the influence of tourism attractions and Islamic attributes on Muslim tourists’ visiting decisions, with destination image acting as a mediating variable.Methodology: A quantitative approach was employed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). Data were collected through an online questionnaire from 39 Muslim tourists who had previously visited Tondok Bakaru.Results: Findings reveal that Islamic attributes significantly enhance destination image, which in turn positively influences visiting decisions. Conversely, tourism attractions do not directly affect visiting decisions but contribute indirectly by shaping destination image.Conclusion: Islamic attributes and destination image are essential for attracting Muslim tourists to destinations in non-Muslim majority areas. Tourism managers should prioritize improving Islamic facilities such as prayer spaces and halal food availability and develop a Muslim-friendly destination image to strengthen competitiveness in the growing halal tourism industry. These efforts will help position Tondok Bakaru as an inclusive and appealing destination for Muslim travelers.
Tourism Sector Development Strategy Based on SWOT-AHP in Palu City Erifsandi, M.; Suparman, Suparman; Tope, Patta; Yunus, Rita; Ichsan, Muhammad
JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS Vol. 5 No. 1 (2025): NOVEMBER
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/jhssb.v5i1.2034

Abstract

Palu City's tourism industry has the potential to increase local revenue, but its growth is hindered by the lack of a well-thought-out plan that considers its distinctive local features and susceptibility to natural disasters. This study aims to determine a tourism sector development strategy to support regional development in Palu City. The research method employs descriptive analysis with data collection through interviews with relevant government officials, local communities, and tourists. Data analysis was conducted using SWOT method to identify strategic position and AHP method to determine tourism development priorities. SWOT analysis results indicate that Palu City's tourism development strategy is positioned in Quadrant I with coordinates (0.35; 0.4), suggesting an SO (Aggressive) strategy. This strategy optimizes strengths and opportunities through enhancing natural and human resources quality. improving infrastructure, and supporting government policies for sustainable tourism development. AHP analysis reveals geographical conditions as the highest criterion with 54.9%, while natural tourism emerges as the priority alternative with 75.8%. These results are relevant to Palu City's geographical conditions with significant natural tourism potential. Policy implications from this study emphasize the need for Palu City government to focus on developing natural tourism by strengthening supporting infrastructure, enhancing tourism human resource capacity through continuous training, and integrating local community roles in sustainable destination management. The recommended aggressive strategy can serve as a reference for formulating effective tourism development programs that impact Regional Original Revenue (PAD) enhancement and community welfare improvement.
ANALYSIS OF POVERTY CHARACTERISTICS IN TORETE VILLAGE, BUNGKU PESISIR, MOROWALI REGENCY Mahamidi, Widyawati; Lutfi, Muthar; Taqwa, Edhi; Yunus, Santi; Yunus, Rita
JIMEK : Jurnal Ilmiah Mahasiswa Ekonomi Vol. 8 No. 02 (2025): JIMEK Vol 08 No 02 2025
Publisher : Fakultas Ekonomi Universitas Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30737/jimek.v8i02.7192

Abstract

This study aims to analyze the vulnerability profile and economic resilience strategies of poor households, particularly those dominated by the elderly and those with low education levels, in Torete Village. A mixed-methods approach was used. The quantitative study results indicate that the majority of respondents are aged 61 years and above (64.3%), with a basic education level (78.6% are elementary school graduates), and are predominantly housewives (46.4%) or farmers (39.3%). Household expenditure patterns are very conservative, with the majority of respondents (75.0%) having no transportation expenses and focusing their expenditures entirely on basic food needs. This group's economic resilience is supported by high home ownership (96.4%) and the elimination of rent. Qualitative findings confirm that the biggest obstacles faced by respondents are internal factors such as old age and health conditions that limit their ability to earn a productive living. The main strategy used to cover the deficit in needs is relying on financial support from children. In addition, structural issues such as land access and demands for transparency in the distribution of social assistance are also highlighted as significant obstacles to escaping poverty. This study concludes that social assistance needs to be complemented by empowerment programs that target the productive generation in poor families and adequate social protection guarantees for the elderly.
Efficiency of Indonesia Sharia Bank (BSI): A Data Envelopment Analysis Approach Syatir, Ahmad; Yunus, Rita; Tuty, Farida Millias; Sari, Novita
Al-Infaq: Jurnal Ekonomi Islam Vol. 16 No. 1 (2025)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/alinfaq.v16i1.2290

Abstract

This research aims to analyze the level of efficiency of Bank Syariah Indonesia (BSI) as a merged bank. The data used comes from secondary data from BSI's financial reports for the 2022-2023 period. Data was analyzed using the Data Envelopment Analysis (DEA) method from an asset approach, which is input-oriented. The data analyzed consists of three input variables (Labor Costs, Promotion Costs, and Other Costs), and three output variables (Profit Sharing Financing, Rental Financing, and Securities Owned). The processed data shows that BSI's efficiency level is relatively high with an average efficiency value of 0,78 on a maximum scale of 1. However, this value is still categorized as inefficient.  Structurally, two input variables were found that played a role in this inefficiency, namely Labor Costs and Other Costs, each of which was detected in the second to fourth quarters of 2022. Based on the DEA results, improvements in the level of efficiency, according to the projected values, can be given treatment by decreasing Labor Costs and Other Costs
Co-Authors A. Adriansah Abdul Rahmat Abdul Rahmat Abdul Zidan Hiola Adriansah, A. Afriana Ahmad Syatir Ahmad Syatir Akbar Hidayat Albetris Amal, Husaeva Amelia, Widya Anam , Haerul Andi Herman Jaya Andina Pangala Andina Pangala Anwar, Anas Iswanto Asmarini Asmarini Asriyani Asriyani Atista Galuh Surya Putri Badria Badria Badria, Badria Busman Busman Chaerul Anam Chairil Anwar Chairil Anwar Dede Arseyani Dini Angraini Dini Aulia Putri Dyah, Tri Murti Ayu Edhi Taqwa Edhi Taqwa Edhi Taqwa Edhi Taqwa Efriza Pahlevi Wulandari Eko Jokolelono Eko Jokolelono Eko Jokolelono Eko Jokolelono Elfine Louise Abu Elfine Louise Abu Elfine Louise Abu, Elfine Louise Abu Erifsandi, M. Fadhilah, Rifqah Failur Rahman Fardillah Yuyu Wahyuni Farida Millias Tuty Faruq Lamusa Fattah, Sanusi Fridly Devid Gunawan Tasiabe Haerul Anam Haerul Anam Hafista, Salmah Hakimi, Shohib Hamsah Sabri Ika Rafika Jody Setyadi Jumriani Kalvin A. Parinding Kalvin A. Parinding Kalvin Albert Parinding Kamagi, Siti Hargita R. Karenhapukh Purba Kartika Kartika Kezia Verty Kikif Kifayatun Laendatu Paembonan Laendatu Paembonan Laendatu Paembonan Lare Murwokolo Cokro Lutfi, Muhtar Lutfi, Muthar M. Anwar Nasruddin M. Musdayati Mahamidi, Widyawati Mahbit Kusnandy Marwah Rahman Ma’rifah, Nur Ainun Mia Audina Mia Audina, Mia Mifta Khairani Nasution Moh Irsyat Arrosidik R. Abd Karim Moh. Rafiq Mohamad Ichwan Mohamad Ichwan Mohamad Ichwan Mohamad Ichwan Mohamad Ichwan Muh. Rafli Busman Muhammad Akbar Muhammad Ichsan Muhammad Ichsan Muhammad Idfal Muhammad Yunus Kasim Muhilannuri MUHTAR LUTFI Muhtar Lutfi Muhtar Lutfi Mus dayanti Musdalifah Musdalifah Musdayanti, M. Musdayati Musdayati Musdayati Musdayati Musdayati Musdayati Musdayati Musdayati Musdayati, M. Musdayati, Musdayati Nahda Maidina Arifin Nahdiasma Kirana Nahdiasma Kirana Naisela Vebyanti Y. Pontoh Nasnianti Pasangka Novita Sari Novita Sari Nudiatulhuda Mangun Nur Annisa Aulia Nur Rayhan Ardan Ramadhan Nurfadilah Sindika Sari Nurnaningsih Nurnaningsih Nuryana Haprin Dj Achmad Nur’aziza Pasangka, Nasnianti Paskual, Meity Ferdiana Patta Tope Patta Tope Putri, Atista Galuh Surya Putri, Dini Aulia Rafil Pramana S.M. Arsad Rahmat Lasimpala Rahmatia Rahmatia Rangga Putera Boroallo Ravika Rismawati Rengku, Stovan Reski Awalia Rezaldi, Rezaldi Rifai Rifqah Fadhilah Risman Risman Rizkiani Iskandar Sabri, Hamsah Salmah Hafista Santi Yunus Santi Yunus Santi Yunus Santi Yunus Santi Yunus Santi Yunus Santi Yunus Sarah Annisa Maghfira Shohib Hakimi Siti Hargita R. Kamagi Siti Nurhaliza Siti Nurhaliza Suparman Suparman Suparman Suparman Suparman Syamsuddin HM Syamsuddin HM Syamsuddin HM Syamsuddin Syamsuddin Syatir, Ahmad Tallesang, Mukhtar Triyudha Anugrah Farham Umam, Sirajul Vera Sri Endah Cicilia Vera Sri Endah Cicilia Vera Sri Endah Cicilia Vera Sri Endah Cicilia Wahyul Wahyul Wahyul Widya Amelia Wijaya, Fajar Wildani Pingkan S. Hamzens Wiri Wirastuti Yohan Yohan Yohan Yohan Yohan Yohan Yosep Sompotan Yunus Sading Yunus Sading Yunus Sading Yunus Sading Yunus Sading Yunus Sading Yunus Sading Yunus, Santi Yusril, Moh.