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All Journal SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan YUME : Journal of Management Ensiklopedia Social Review Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah JIMEK : Jurnal Ilmiah Mahasiswa Ekonomi Jurnal Politik dan Pemerintahan Daerah Jurnal Ilmiah Manajemen Kesatuan Economics and Digital Business Review JPM: JURNAL PENGABDIAN MASYARAKAT 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 Priviet Social Sciences Journal 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 Jurnal Pengabdian Masyarakat Manage Al-Infaq : Jurnal Ekonomi Islam
Rita Yunus
Tadulako University, Palu, Indonesia
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Humanities Astronomy Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering 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 Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Transportation Other

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Financial Performance Analysis of the Regional Government of Sigi Regency for the 2018-2023 Period Aulia, Nur Annisa; Yunus, Rita; Jokolelono, Eko; Jaya, Andi Herman
JOURNAL OF MANAGEMENT, ACCOUNTING, GENERAL FINANCE AND INTERNATIONAL ECONOMIC ISSUES Vol. 4 No. 4 (2025): SEPTEMBER
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/marginal.v4i4.1866

Abstract

The main objective of this research is to assess the Financial Performance of the Regional Government of Sigi Regency from 2018 to 2023 by utilising a financial ratio analysis model including independence ratio, degree of decentralisation, efficiency and effectiveness of Local Own-Source Revenue (PAD), and regional expenditure compatibility ratio. The study relies on secondary data extracted from the Sigi Regency Budget Realisation Report (LRA). A quantitative descriptive approach was adopted for this analysis. The findings indicate that regional financial independence is alarmingly low, with a noticeable trend of reliance on central government funds. The degree of decentralisation is also critically lacking, exemplified by the minimal contribution of PAD to the overall regional revenue. On the other hand, the performance of local revenue sources is relatively positive, with revenue often surpassing the predetermined targets. However, the efficiency of financial management is still an obstacle, especially in the last few years where expenditures exceeded local revenues, thus reflecting the less than optimal use of the budget. The structure of regional expenditure also shows imbalances, with the dominance of operational expenditure being much greater than capital expenditure. These findings emphasize the importance of efforts to strengthen fiscal independence and improve efficiency in budget management to support the sustainability of development in Sigi Regency.
The Role of Public Business Credit (KUR) at Pegadaian Palu Timur Branch Office in Improving Community Economic Welfare in Palu City (2022–2024) Kartika, Kartika; Yunus, Santi; Ichwan, Mohamad; Yunus, Rita; Cicilia, Vera Sri Endah
JOURNAL OF MANAGEMENT, ACCOUNTING, GENERAL FINANCE AND INTERNATIONAL ECONOMIC ISSUES Vol. 4 No. 4 (2025): SEPTEMBER
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/marginal.v4i4.1921

Abstract

Public Business Credit (KUR) at pawnshops is a financing program aimed at supporting Micro, Small, and Medium Enterprises (MSMEs) in meeting their business capital needs. According to Regulation of the Coordinating Minister for Economic Affairs of the Republic of Indonesia No. 1 of 2023, Public Business Credit (KUR) is a credit or financing facility provided for working capital and/or investment to individuals, business entities, or business groups that have productive and feasible activities but do not yet have additional collateral or whose additional collateral is insufficient. This study aims to determine the role of Public Business Credit (KUR) at Pegadaian Branch Office (CP) Palu Timur in improving community economic welfare in Palu City. This study uses qualitative research methods with a descriptive approach that aims to describe and understand social phenomena based on non-numerical data, such as interviews, observations, or documents, without using statistical tests. The research results show that the KUR program contributes to an increase in business turnover of 20-40% for most customers, improved ability to meet basic household needs, and reduced dependence on informal loans. However, the majority of customers have not been able to expand their business scale by adding workers, so the impact of welfare improvement is still limited to the nuclear family scope. The limitations of this study lie in the limited number of respondents and the research scope that only covers one pawnshop branch, so further research with broader coverage is needed to obtain a more comprehensive picture.
The Effect of Tax Revenue and Inflation on Economic Growth in Indonesia 1994-2024 Dyah, Tri Murti Ayu; Yunus, Rita; Sading, Yunus; Jaya, Andi Herman; Musdayati, Musdayati
JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS Vol. 4 No. 4 (2025): AUGUST
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/jhssb.v4i4.1873

Abstract

This research seeks to examine and evaluate how tax revenue and inflation impact Indonesia's economic growth from 1994 to 2024. The researchers employed an explanatory methodology with a quantitative framework, utilizing time series secondary data sourced from Indonesia's Central Statistics Agency (BPS). The analytical approach involved multiple linear regression analysis conducted through Eviews 12 software, complemented by t-tests and F-tests to assess the statistical significance of how independent variables influence the dependent variable. The findings reveal that when examined individually, tax revenue demonstrates a positive and statistically significant relationship with economic growth, while inflation shows a negative but statistically insignificant relationship with Indonesia's economic growth during the study period. When analyzed collectively, both tax revenue and inflation variables demonstrate a positive and statistically significant combined effect on Indonesia's economic growth throughout the 1994-2024 timeframe.
The Influence of Local Own-Source Revenue (PAD), Economic Growth, Capital Expenditure on Fiscal Stress in Central Sulawesi in 2018-2023 Amal, Husaeva; Sading, Yunus; Yunus, Rita; Yunus, Santi; Rafika, Ika
JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS Vol. 4 No. 4 (2025): AUGUST
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/jhssb.v4i4.1874

Abstract

This study aims to analyze the influence of Local Own-Source Revenue (PAD), Gross Regional Domestic Product (GRDP), and Capital Expenditure on fiscal stress in 13 regencies/municipalities in Central Sulawesi Province during the period 2018–2022. The approach used is quantitative with panel data, which is a combination of time series and cross-sectional data sourced from the Central Bureau of Statistics (BPS). Analysis was conducted using panel data regression models with EViews software. The selection of the best model was done through a series of statistical tests: Chow Test, Hausman Test, and Lagrange Multiplier, which showed that the Random Effect model was the most appropriate. The results show that simultaneously, PAD, GRDP, and Capital Expenditure have a significant effect on fiscal stress. Partially, PAD and Capital Expenditure have positive and significant effects, while GRDP does not show a significant effect. The coefficient of determination indicates that most variations in fiscal stress can be explained by these three variables. These findings confirm that fiscal stress results from complex interactions of various economic factors, with PAD and Capital Expenditure as the main factors. The implications of this study highlight the importance of strengthening regional fiscal independence through PAD optimization, efficient Capital Expenditure management, and efforts to achieve sustainable economic growth.
Analysis of Income and Feasibility of Refill Drinking Water Depot Business in North Tatura Sub-District, Palu City Yusril, Moh.; Jaya, Andi Herman; HM, Syamsuddin; Yunus, Rita; Yunus, Santi
JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS Vol. 4 No. 4 (2025): AUGUST
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/jhssb.v4i4.1889

Abstract

This research aims to analyze the income level and business feasibility of refillable drinking water depots in Tatura Utara Subdistrict, Palu City. A descriptive approach was applied, with data collected through interviews, questionnaires, and documentation involving five business units that have been operating for at least three years. The results show that the average monthly production cost is IDR 5,088,794, while the average monthly revenue reaches IDR 11,030,000, resulting in an average net income of IDR 5,941,205 per business unit. The R/C ratio obtained is 2.16, indicating that everyone rupiah spent generates IDR 2.16 in revenue, which reflects high economic efficiency. In addition, the average Break Even Point is 282 gallons per month, demonstrating that all business units have surpassed the break-even threshold. These findings conclude that refillable drinking water depots in the area offer a viable and sustainable business opportunity in urban environments.
Implementasi Program Bantuan Pangan Non Tunai (BPNT) Di Kelurahan Birobuli Selatan: Implementation of the Non-Cash Food Assistance Program (BPNT) in Birobuli Selatan Village Ravika Rismawati; Rita Yunus; Yunus Sading; Santi Yunus; Yohan
Jurnal Kolaboratif Sains Vol. 8 No. 8: Agustus 2025
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/jks.v8i8.8343

Abstract

BPNT ditujukan untuk mengurangi tingkat pengeluaran Keluarga Penerima Manfaat (KPM) dengan memberi nutrisi seimbang, memenuhi kebutuhan pangan, meningkatkan ketepatan sasaran dan ketepatan waktu penyaluran bantuan pangan bagi KPM, memberikan pilihan dan kendali kepada KPM dalam memenuhi kebutuhan pangan dan mendorong pencapaian tujuan pembangunan yang berkelanjutan. Hal ini dilakukan oleh pemerintah agar dapat mendorong usaha eceran rakyat dan keluarga Penerima Manfaat (KPM) bukan hanya mendapatkan karbohidrat saja tetapi juga protein. Fokus penelitian ini untuk mengetahui bagaimana Kelurahan Birobuli Selatan menerapkan program Bantuan Pangan Non Tunai (BPNT). Dalam metode penelitian ini penulis menggunakan penelitian deskriptif dengan pendekatan kualitatif, yaitu meneliti suatu objek penelitian dengan mengkaji secara keseluruhan dan mendalam. Teknik pengumpulan data yang digunakan dalam penelitian Implementasi Program Bantuan Pangan Non Tunai (BPNT) di Kelurahan Birobuli Selatan adalah wawancara, observasi dan dokumentasi. Hasil dalri penelitialn ini mengindikalsikaln balhwal pelalksalnalaln talhalpaln Progralm BPNT di Keluralhaln Birobuli Selaltaln telalh dilalkukaln secalral umum sesuali dengaln Buku Pedomaln Progralm BPNT 2018, yalitu dimulali dengaln talhalpaln sosiallisalsi, registralsi, daln penyalluraln. Perubalhalaln Kemensos sudalh tidalk lalgi memberikaln balntualn sosiall dallalm bentuk balralng melalinkaln ualng tunali jugal sudalh dilalkukaln di Keluralhaln Birobuli Selaltaln.
Analisis Kepemilikan Sertifikat Halal Terhadap Pendapatan Usaha Krepek Sogol di Kelurahan Moengko Kecamatan Poso Kota Kabupaten Poso : Analysis of Halal Certificate Ownership on Krepek Sogol Business Income in Moengko Village, Poso District, Poso City, Poso Regency Afriana; Nudiatulhuda Mangun; Muhtar Lutfi; Ahmad Syatir; Rita Yunus
Jurnal Kolaboratif Sains Vol. 8 No. 8: Agustus 2025
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/jks.v8i8.8344

Abstract

Pencantuman label halal pada produk akan sangat mempengaruhi tingkat kepercayaan konsumen, sehingga memiliki dampak yang positif terhadap peningkatan profit dari Perusahaan. Saat ini para pelaku usaha masih ada yang menganggap sertifikasi Halal hanya untuk pemenuhan kewajiban dalam agama Islam, dan masih sedikit yang melihat peluang bahwa sertifikasi halal dapat untuk meningatkan pendapatan usahanya. Tujuan penelitian ini untuk mengetahui manfaat dari penerapan sertifikasi halal yang dirasakan oleh pelaku usaha Krepek Sogol yang bergerak di bidang industri pangan setelah memiliki sertifikasi Halal MUI. Manfaat dari penerapan standar pada pelaku usaha Krepek Sogol dapat meningkatkan pendapatan. Hal ini dikarenakan meningkatnya kepercayaan dan minat beli konsumen karena kepemilikan sertifikat halal, kemampuan untuk memasuki pasar yang lebih luas serta mengikuti berbagai program yang telah disediakan oleh pemerintah untuk mempromosikan produk. Sebelum memiliki sertifikat halal, omzet di bulan September yang diperoleh sebesar Rp.3.200.000,00 dan omzet di bulan Oktober sebesar Rp.4.000.000,00 pendapatan tersebut hanya naik 25% sedangkan setelah memilik sertifikat halal di bulan November omzet naik sebesar Rp.7.500.000,00 pendapatan tersebut naik sebesar 87% dari bulan sebelumnya. Dilihat dari manfaat menurut ekonomi yang diperoleh bisa di simpulkan bahwa Dampak kepemilikan Sertifikat Halal dapat meningkatkan pendapatan sekaligus membuktikan bahwa sertifikat halal memiliki hubungan yang signifikan dalam mempengaruhi tingkat pendapatan pelaku usaha, dan bisa membawa pengaruh terhadap pada kualitas produk.
The Effectiveness of KUR Sharia Products in PT. Pegadaian Talise Branch UPC Tawaeli in SME Development Fadhilah, Rifqah; Yunus , Santi; Anam , Haerul; Yunus , Rita; Nasruddin, M. Anwar
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; 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.
Co-Authors A. Adriansah Abdul Rahmat Abdul Rahmat Adriansah, A. Afriana 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 Aulia, Nur Annisa Badria, Badria Busman Busman, Busman Busman, Muh. Rafli Chaerul Anam Chairil Anwar Dini Angraini Dyah, Tri Murti Ayu Edhi Taqwa Eko Jokolelono Elfine Louise Abu Elfine Louise Abu Elfine Louise Abu, Elfine Louise Abu Erifsandi, M. Fadhilah, Rifqah Failur Rahman Farida Millias Tuty Faruq Lamusa Fattah, Sanusi Fridly Devid Gunawan Tasiabe Haerul Anam Haerul Anam Hafista, Salmah Hakimi, Shohib Ika Rafika Jody Setyadi Kalvin Albert Parinding Kalvin Parinding Kamagi, Siti Hargita R. Karenhapukh Purba Kartika Kartika Kezia Verty Kifayatun, Kikif Laendatu Paembonan Lare Murwokolo Cokro Lasimpala, Rahmat Lutfi, Muhtar Lutfi, Muthar M. Anwar Nasruddin M. Musdayati Mahamidi, Widyawati Mahbit Kusnandy Ma’rifah, Nur Ainun Mia Audina Mia Audina, Mia Mifta Khairani Nasution Moh Irsyat Arrosidik R. Abd Karim Mohamad Ichwan Muhammad Akbar Muhammad Ichsan Muhammad Idfal Muhilannuri MUHTAR LUTFI Muhtar Lutfi Mus dayanti Musdayanti, M. 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 Nurfadilah Sindika Sari Nuryana Haprin DJ Achmad Nuryana Haprin Dj Achmad Nur’aziza Pasangka, Nasnianti Paskual, Meity Ferdiana Patta Tope Putri, Atista Galuh Surya Putri, Dini Aulia Rafil Pramana S.M. Arsad Rahman, Marwah Rahmatia Rahmatia Rangga Putera Boroallo Ravika Rismawati Rengku, Stovan Reski Awalia Rezaldi, Rezaldi Rifqah Fadhilah Risman Risman Sabri, Hamsah Salmah Hafista Sarah Annisa Maghfira Siti Nurhaliza Solly Aryza Suparman Suparman Syamsuddin HM Syamsuddin Syamsuddin Syatir, Ahmad Tallesang, Mukhtar Umam, Sirajul Vera Sri Endah Cicilia Vera Sri Endah Cicilia Wahyul Wahyul Wahyul Wijaya, Fajar Wiri Wirastuti Yohan Yohan Yohan Yosep Sompotan Yunus Sading Yunus, Santi Yusril, Moh.