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All Journal Jurnal Ekonomi Daerah (JEDA) KEUDA : JURNAL KAJIAN EKONOMI DAN KEUANGAN DAERAH Jurnal Muamalat Indonesia
Yacoub, Yarlina
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Religion Economics, Econometrics & Finance Social Sciences

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Determinasi Pembiayaan Usaha Mikro Kecil dan Menengah (UMKM) pada Perbankan Syari’ah Indonesia Hakim, Kurniawati; Yacoub, Yarlina; Bustami, Bustami
Jurnal Ekonomi Daerah (JEDA) Vol 8, No 3 (2020): JURNAL MAHASISWA MAGISTER ILMU EKONOMI
Publisher : Jurnal Ekonomi Daerah (JEDA)

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Abstract

This study aims to find out what are the factors that influence the portion of financing for micro small and medium enterprises (SMES) in Islamic banking in Indonesia. The samples used are 14 Sharia Commercial Banks, 469 Sharia BUS Commercial Bank Units, 154 Sharia Business Units (UUS) and 102 Islamic People's Financing Bank (BPRS) registered at Bank Indonesia during the period 2010-2018. The form of this research is quantitative descriptive using secondary data. The method used in this study is themethod VECM (Vector Error Correction Model)using the eviews 10 program. The results show that in the short term the BI Rate does not have a significant effect, but in the long term the BI Rate has a significant and positive effect. Economic growth in the short term does not have a significant effect but in the long run the variable of economic growth has a significant and positive effect. exchange rate in the short term has a significant and negative effect in the long run has a significant and positive effect. Third Party Funds, inflation, not performing financing (NPF) in the short term and long term have no significant effect on the portion of MSME financing in Islamic banks in Indonesia.Keywords: SMES Financing, BI Rate, Economic Growth, Exchange Rate, Third Party Funds, Inflation and NPF.
ANALISIS PENGARUH TINGKAT PENDIDIKAN, BELANJA MODAL & SISA LEBIH PERHITUNGAN ANGGARAN (SiLPA) TERHADAP PERTUMBUHAN EKONOMI DI KALIMANTAN BARAT Syahputra, M. Reza; Rosyadi, Rosyadi; Yacoub, Yarlina
KEUDA (Jurnal Kajian Ekonomi dan Keuangan Daerah) Vol 9 No 1 (2024)
Publisher : Universitas Cenderawasih

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52062/keuda.v9i1.3874

Abstract

Penelitian ini bertujuan untuk menguji pengaruh tingkat pendidikan yang direfleksikan rata-rata lama sekolah, pengeluaran pemerintah yang direfleksikan oleh belanja modal, dan efektivitas perencanaan anggaran pemerintah daerah yang direfleksikan oleh SiLPA terhadap pertumbuhan ekonomi yang terjadi di kabupaten/kota di Kalimantan Barat. Menggunakan pendekatan regresi data panel terhadap 14 wilayah kabupaten/kota selama periode 2016-2021, ditemukan bahwa : (1) tingkat pendidikan berpengaruh negatif dan signfiikan terhadap pertumbuhan ekonmi; (2) belanja modal berpengaruh positif dan signifikan terhadap pertumbuhan ekonomi; (3) SiLPA berpengaruh positif dan tidak signifikan terhadap pertumbuhan ekonomi. Berdasarkan uji simultan, seluruh variabel dependen diatas berpengaruh signifikan terhadap pertumbuhan ekonomi kabupaten/kota di Kalimantan Barat.
KARAKTERISITIK KEMISKINAN DI DESA KEDUKUL KABUPATEN SANGGAU KALIMANTAN BARAT (Studi Kasus Keluarga Muslim di Desa Kedukul) Pratama, Teguh; Yacoub, Yarlina
JURNAL MUAMALAT INDONESIA - JMI Vol 5, No 1 (2025): Jurnal Muamalat Indonesia
Publisher : FAKULTAS EKONOMI DAN BISNIS UNTAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26418/jmi.v5i1.91197

Abstract

Poverty is a fundamental problem of humanity from the past to the present and perhaps in the future. Poverty in rural areas is higher than in urban areas due to limited access to adequate economic resources and infrastructure. This study aims to analyze the characteristics of poverty in poor Muslim families in Kedukul Village, Sanggau Regency, West Kalimantan. The data used are primary data. In this study, researchers conducted field research using descriptive studies and quantitative approaches. The analysis method used was data tabulation, data presentation and drawing conclusions. The results of the study showed that poor heads of households have a hard-working character, but are lacking in managing expenses, such as financial expenses for cigarette needs which in Islam have no benefits. Another characteristic of poor households is the habit of borrowing with interest, which in Islam borrowing with interest or usury is forbidden. There are a small number of families who neglect worship and are still bound by traditions and customs.
Co-Authors Bustami Bustami Hakim, Kurniawati Pratama, Teguh Rosyadi, Rosyadi Syahputra, M. Reza