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All Journal Novum : Jurnal Hukum Jurnal Ekonika : Jurnal Ekonomi Universitas Kadiri Jurnal Manajemen Indonesia MATAPPA: Jurnal Pengabdian Kepada Masyarakat Abdi Dosen : Jurnal Pengabdian Pada Masyarakat JURNAL AKUNTANSI KEUANGAN DAN MANAJEMEN ScienceEdu : Jurnal Pendidikan IPA Community Development Journal: Jurnal Pengabdian Masyarakat Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Mattawang: Jurnal Pengabdian Masyarakat Jurnal Riset Ilmu Ekonomi Jurnal Pengabdian Masyarakat Akademisi Journal of Economics Research and Policy Studies Jurnal Pengabdian Mandiri Media Ekonomi Media Bina Ilmiah e-Jurnal Apresiasi Ekonomi Dirkantara Indonesia IIJSE Asian Journal of Management, Entrepreneurship and Social Science Journal of Ekonomics, Finance, and Management Studies
Dini Hariyanti
Universitas Trisakti
Religion Humanities Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Journal : IIJSE

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Analysis of Factors Influencing the Return of People's Business Credit (KUR) in Taman Sari District, West Jakarta Setyarini, Theresia Avila Dyah; Hariyanti, Dini; Rustam, Rinaldi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 1 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i3.5169

Abstract

This research was conducted to analyze and study the factors that can influence the return of BNI people's business credit (KUR) in Taman Sari District, West Jakarta. The research method used is descriptive qualitative research with data collection techniques through interviews with 9 informants. Data analysis techniques use data triangulation to reveal the facts of the research objectives. The research results show that the factors that influence KUR returns are financial management which is the main basis for continuity consisting of managing income, expenses, and debt wisely, economic conditions consisting of business growth and opportunities for borrowers to increase income, customer risk perceptions influence take a KUR loan because they have an understanding of business risks and business security which includes physical protection, security and legal compliance. The research recommendation is to build a more in-depth risk assessment model by considering factors such as age, length of business, and gender to provide a more accurate picture of potential credit risk. Develop special programs to support groups that tend to experience difficulties in repayment, such as groups with low levels of education or groups with low income levels. Conduct regular monitoring and evaluation of the implementation of this policy to assess its effectiveness and make changes if necessary.
The Influence of Local Own-Source Revenue, Human Development Index, and Labor Force Participation Level On GRDP Per Capita Moderate by the Depth of Poverty in City Districts of Papua Province in 2017-2021 Putri, Alisa Noviani; Hariyanti, Dini; Adriana, Mona
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 2 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i2.4887

Abstract

This research aims to analyze the factors that influence GDP per capita in Papua Province. The analytical method used in this research is panel data regression, using data on Local Own-Source Revenue, Human Development Index, Labor Force Participation Level, and Gross Domestic Product Per Capita from 2017-2021 in districts/cities in Papua province, by adding the depth of poverty variable as a moderating variable. The results of panel data processing show that the best model is the Fixed Effect Model, with the regression results showing that the one that has a negative influence on GDP per capita is the HDI variable. Meanwhile, those that do not influence GDP per capita are the variables Local Own-Source Revenue, Human Development Index, Labor Force Participation Level, and Depth of Poverty. Many factors cause the variables used to have no influence, one of which is the minimal observation period so long-term effects were not identified, especially in this study. Another cause is the difficult geographical conditions in the form of mountains and difficult terrain to travel in these districts, hampering the mobility of people, goods, and services, as well as access to education and health services. The difficulty of this terrain also hinders efforts for equal distribution and economic development, so that access to economic development is only felt by urban areas, such as Jayapura City and its surroundings. This causes the Poverty Depth Index (P1) to be unable to moderate the variables of Local Own-Source Revenue (PAD), Human Development Index (HDI), and Labor Force Participation Level (TPAK) on GDP per capita. It is recommended for future researchers to use all provinces in Papua and add other variables.
The Influence of Service Quality and System Quality on Branchless Banking Agent Loyalty Mediated by Satisfaction at PT Bank Negara Indonesia (Persero), Tbk in the Work Area of Regional Office 12 Juni, Ardi Ikhsan; Kunawangsih P., Tri; Hariyanti, Dini
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 7 No 3 (2024): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v7i3.5170

Abstract

This research was conducted to analyze and study the influence of the Brancless Banking business on PT Bank Negara Indonesia (Persero), Tbk. In the Regional Office 12 Work Area which consists of service quality and system quality on satisfaction and its impact on agent loyalty. The research method used is quantitative research with data analysis techniques using SEM PLS. The research results show that partially or directly (direct effect) everything has a positive and significant influence, namely service quality has an influence on loyalty, system quality has an influence on loyalty, satisfaction has an influence on loyalty, service quality has an influence on satisfaction, and system quality has an influence on satisfaction. Indirectly, satisfaction can mediate significantly positively between service quality and loyalty and satisfaction can mediate significantly positively between system quality and loyalty.
Co-Authors Ade Aida Adriana, Mona Adriyana, Mona Alisa Noviani Putri Anita Roosmalina Matusin Annisa Yuliandari Aprillia , Budi Santosa Budiyanti, Fatwa Darwin Hasiholan Debbie Aryani Tribudhi Dian Octaviani Ego Bagas Anugerah Pratama Eleonora Sofilda Erny Tajib Fadilla, Meita Indah HANANTO WIDODO Harahap, Cicely Delfina Imam Zul Fikri Jihan Githa Widianti Juni, Ardi Ikhsan Khairunnisa Kunawangsih P., Tri Magetsari, Ovy Noviati Nuraini Mahdawi Mahdawi Martadisastra, Dedie S Maulita, Karil Mona Adriana Patriyasa Muhammad Zilal Hamzah Nazmel Nazir Nirdukita Ratnawati Osni Erza, Osni Pidhegso, Achmad Yugo Putri, Alisa Noviani Putri, Farah Nabilla Rismayanti Rustam, Rinaldi Sekar Mayangsari Septi Budi Sartika Setyarini, Theresia Avila Dyah Simanjuntak, Lydia Rosintan Soeharjoto Soekapdjo Soeharjoto, Soeharjoto Sri Yani Kusumastuti Sumiyarti Sumiyarti Sumiyarti, Sumiyarti Tribudhi, Debbie Aryani Vinola Herawaty Wahyuni, Lidia Wibowo, Rahmat Widianto Yudi Susworo