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All Journal Jurnal Ekonomi Daerah (JEDA) Equator Journal of Management and Entrepreneurship Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) AFEBI Economic and Finance Review 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.
POTENTIAL LOSS OF PBB-P2 REVENUE AS REGIONAL TAX IN SAMBAS REGENCY Yacoub, Yarlina; Safari, Safari; Lestari, Nindya
AFEBI Economic and Finance Review Vol. 3 No. 2 (2018): December
Publisher : Asosiasi Fakultas Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47312/aefr.v3i2.648

Abstract

This study aims to identify the potential loss in the receipt of Rural and Urban Land and Building Taxes (PBB-P2) as Regional Taxes in Sambas Regency. This research uses descriptive method by describing events in the field using survey methods and questionnaires which will then be processed using the SWOT method. The data used in this study consisted of two data. Based on the results of interviews on questionnaires given to sample taxpayers to find out the reasons and factors that caused taxpayers to take tax evasion actions, it was found that there were the taxpayers do not know / do not understand, not very important about PBB-P2. In an effort to minimize the level of potential loss various efforts made by the government at that time both those that have been carried out and those that will be carried out in the future. There are several relevant strategies to be implemented in an effort to optimize PBB-P2 revenues as local taxes in Sambas Regency, among others: Utilizing regional autonomy policies to implement regional regulations more firmly (law enforcement); Repairing and completing facilities and infrastructure facilities to support regional revenue management, especially supporting facilities for increasing PBB-P2 revenues; Providing incentives for PBB-P2 collection so that officers get additional motivation in an effort to optimize PBB-P2 revenues; Utilizing the willingness and awareness of taxpayers to pay taxes in order to increase PBB-P2 revenues by implementing programs and activities well and orderly. Responding to the enactment of Law No. 28 of 2009 with initiative and creativity in the management of PBB-P2 which in the end was able to increase regional Original Revenue (PAD) towards regional financial independence. JEL Classification: H20, H21, H24 Keywords: Fiscal, Potential Loss, Revenue
Pengaruh Labelisasi Halal, Keamanan Bahan, dan Harga Produk Skincare Terhadap Keputusan Pembelian Konsumen (Studi kasus pada Mahasiswa Muslim Universitas Tanjungpura Pontianak) Nurani, Siti; Yacoub, Yarlina; Ardelia, Aya Sofia; Amalia, Sisi
Equator Journal of Management and Entrepreneurship (EJME) Vol 12, No 4 (2024): Equator Journal of Management and Entrepreneurship
Publisher : Universitas Tanjungpura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26418/ejme.v12i4.84510

Abstract

Industri dibidang kecantikan dan perawatan kulit yang semakin berkembang dikalangan masyarakat beberapa tahun terakhir. Mengingat Indonesia merupakan negara mayoritas penduduk beragama islam dapat menjadi sasaran pemasaran bagi produsen. Melihat peluang ini, produsen akan mengembangkan produknya demi mendapatkan keuntungan dengan melihat faktor apa saja yang berpeluang positif dalam peningkatan penjualan. Seperti penggunaan label halal, dan jaminan keamanan produk serta harga yang sesuai dengan persaingan pasar. Penelitian ini bertujuan untuk menganalisis pengaruh labelisasi halal, keamanan bahan dan harga produk skincare terhadap keputusan pembelian konsumen pada mahasiswa muslim Universitas Tanjungpura Pontianak. Sampel dalam penelitian ini adalah 225 responden dananalisis data menggunakan partial least square (PLS) yang diolah menggunakan aplikasi SmartPLS 3. Hasil penelitian ini menunjukan bahwa labelisasi halal tidak berpengaruh terhadap keputusan pembelian sedangkan keamanan bahan dan harga terbukti berpengaruh terhadap keputusan pembelian produk skincare pada mahasiswa muslin Universitas Tanjungpura Pontianak.
PENGARUH BELANJA PUBLIK DAN PERTUMBUHAN EKONOMI TERHADAP TINGKAT KEMISKINAN DI KALIMANTAN BARAT Yacoub, Yarlina; Adelia, Resty
Jurnal Ekonomi Bisnis dan Kewirausahaan Vol 2, No 1 (2011): Jurnal Ekonomi Bisnis dan Kewirausahaan (JEBIK)
Publisher : Fakultas Ekonomi dan Bisnis, UNTAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1411.999 KB) | DOI: 10.26418/jebik.v2i1.701

Abstract

Public finance and economic growth can be regarded as important intruments in reducing poverty in most developing countries. The objectives of this study in to sheds light on the impact of public finance and economic growth on the poverty level in West Kalimantan for the period 2004-2008. This study uses descriptive-associative method. By using regression model, the results show that partially either public finance or economic growth influences positively and significantly on poverty level. Simultneously, both variables have an impact siginifivicantly on the poverty level in West Kalimantan.
Co-Authors Adelia, Resty Amalia, Sisi Ardelia, Aya Sofia Bustami Bustami Hakim, Kurniawati Lestari, Nindya Pratama, Teguh Rosyadi, Rosyadi Safari Safari, Safari Siti Nurani Syahputra, M. Reza