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All Journal Jurnal Jendela Inovasi Daerah Nusantara Hasana Journal
Togar Laut, Lorentino
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EDUKASI LITERASI KEUANGAN BAGI PELAKU USAHA MIKRO KECIL MENENGAH (UMKM) KOTA MAGELANG GUNA MENINGKATKAN KESEJAHTERAAN EKONOMI Retnosari, Retnosari; Togar Laut, Lorentino; Sarwanti, Sri
Nusantara Hasana Journal Vol. 5 No. 4 (2025): Nusantara Hasana Journal, September 2025
Publisher : Yayasan Nusantara Hasana Berdikari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59003/nhj.v5i4.1696

Abstract

MSMEs in Magelang City play a vital role in driving local economic growth and creating jobs for the community. However, one of the main challenges faced by business owners in this area is the low level of understanding and implementation of proper bookkeeping systems. Many MSMEs in Magelang City still maintain unstructured manual records, and most of them lack any financial records at all. Therefore, activities to be carried out include financial literacy education and training, as MSMEs in Magelang City require a better understanding of the importance of proper bookkeeping, from preparing simple financial reports to accurately recording cash flow. This training will help them manage their business finances more efficiently and in a structured manner. The purpose of this community service program is to improve MSME owners' understanding of the basic concepts of financial literacy, such as financial record keeping, cash flow management, and financial planning. Furthermore, this community service program is expected to provide training on access to formal financing, including banking through People's Business Credit (KUR).  
ANALISIS POTENSI KONVERGENSI EKONOMI NEGARA ANGGOTA ASEAN-10 TAHUN 2015-2021 DAN FAKTOR-FAKTOR YANG MEMPENGARUHINYA Holifah, Husnul; Togar Laut, Lorentino; Sugiharti, Rr. Retno
Jendela Inovasi Daerah Vol 7 No 1 (2024): Februari
Publisher : Badan Perencanaan Pembangunan, Riset dan Inovasi Daerah Kota Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56354/jendelainovasi.v7i1.160

Abstract

In 2015 is the year of the acceleration of the establishment of the ASEAN Economic Community (AEC), therefore it is necessary to analyze the economy of each member country based on factors that affect the convergence process. This study aims to analyze the level of convergence of economic growth among ASEAN-10 member countries in 2015-2021. The data used is secondary data obtained from the world bank website. The analytical methods used in this study are sigma convergence and beta convergence. The calculation of sigma convergence uses mathematical analysis of the coefficient of variation of GDP per capita of ASEAN-10 member countries. While the calculation of beta convergence uses panel data regression analysis with a fixed effect model approach. The results showed that there was no sigma convergence among ASEAN-10 member countries, indicating that there was no decrease in inequality among member countries. The results of the analysis on beta convergence show that there is absolute and conditional beta convergence at a rate of 7,5% and 3,1%. It was found that the Foreign Direct Investment and Total Labor Force variables did not have a significant effect, while the Trade Openness variable had a significant effect.
DETERMINAN PERMINTAAN PARIWISATA INTERNASIONAL: STUDI WISATAWAN MANCANEGARA DI INDONESIA TAHUN 2013-2020 Nairizi, Mirza Ahmad; Togar Laut, Lorentino; Sugiharti, Rr. Retno
Jendela Inovasi Daerah Vol 7 No 1 (2024): Februari
Publisher : Badan Perencanaan Pembangunan, Riset dan Inovasi Daerah Kota Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56354/jendelainovasi.v7i1.163

Abstract

The tourism sector is one of the sectors that contributes the most to national foreign exchange earnings. However, trade in tourism services is still faced with a number of problems and challenges going forward. This can be seen from the comparison of the number of foreign tourist arrivals in Indonesia which shows that Indonesia's tourism market share is still limited and has not been able to compete in the international market. The purpose of this study is to determine and analyze the influence of the Tourism Consumer Price Index (TCPI), GDP per capita of the country of origin of foreign tourists, the Rupiah Exchange Rate against the currency of the country of origin of foreign tourists, and the Visit Visa Free Policy in Indonesia on international tourism demand in Indonesia in the 2013-2013 period. 2020. The variables used are variables that can influence international tourism demand according to previous researchers.The data used in this study is secondary data combining cross sections from 28 countries of tourist visitors and time series from 2013 to 2020. The data collection method was carried out through documentation sourced from the World Development Indicators, Bank Indonesia, and the Central Statistics Agency (BPS). The analytical method used is panel data with the help of Stata 17. The results of this study show that the GDP per capita of the country of origin of foreign tourists has a positive and significant effect on the demand for international tourism in Indonesia in 2013-2020. The rupiah exchange rate has a negative and significant effect on the demand for international tourism in Indonesia in 2013-2020, while the TCPI and Visit Visa Free Policy in Indonesia have no significant effect on demand for international tourism in Indonesia in 2013-2020.
Co-Authors Holifah, Husnul Nairizi, Mirza Ahmad Retnosari Retnosari, Retnosari Sri Sarwanti Sugiharti, Rr. Retno