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DETERMINASI RETURN ON ASSETS PADA BANK UMUM DI INDONESIA Dini Hariyanti; Soeharjoto Soeharjoto; Debbie Aryani Tribudhi; Mona Adriana; Dian Octaviani; Rinaldi Rustam
Media Bina Ilmiah Vol. 17 No. 4: Nopember 2022
Publisher : LPSDI Bina Patria

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (245.679 KB)

Bank dalam operasionalnya berupaya untuk memperoleh keuntungan guna menutupi biaya dan pengembangan usahanya. Namun, aktivitas yang dilakukannya bergantung pada faktor internal dan eksternal bank. Penelitian ini, bertujuan untuk mengetahui faktor-faktor yang mempengaruhi keuntungan bank umum di Indonesia. Data yang digunakan time series, dalam bentuk bulanan selama 2019-2021, dengan menggunakan metode regersi pendekatan Error Correction Model. Keuntungan bank di proxy dengan Return on Assets sebagai variabel terikat, dengan Beban Operasional terhadap Pendapatan Operasionalnya, Loan to Deposit Ratio, Capital Adequacy Ratio, dan COVID-19 sebagai variabel bebasnya. Adapun hasilnya, untuk jangka panjang Beban Operasional terhadap Pendapatan Operasional dan COVID-19 berpengaruh negatif dan signifikan terhadap Return on Assets, sedangkan Loan to Deposit Ratio dan Capital Adequacy Ratio tidak berpengaruh terhadap Return on Assets. Namun, dalam jangka pendek hanya Loan to Deposit Ratio yang berpengaruh positif dan signifikan terhadap Return on Assets, tetapi Beban Operasional terhadap Pendapatan Operasional, Capital Adequacy Ratio, dan COVID-19 tidak berpengaruh terhadap Return on Assets. Untuk itu, bank perlu meningkatkan efisensinya dalam jangka pendek dan likuiditas dalam jangka panjang, dengan menggunakan teknologi digital, dan tetap mematuhi ketentuan Basel III

ANALISIS TAX EFFORT DAERAH DI INDONESIA Ade Aida; Dini Hariyanti; Sumiyarti
Media Ekonomi Vol. 30 No. 2 (2022): Oktober
Publisher : Lembaga Penerbit Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/me.v30i2.13818

This study was conducted to analyze the effect of central government transfers on regional taxation efforts covering districts/cities in Indonesia in the 2015-2019 range after the enactment of Law Number 28 of 2009 concerning Regional Taxes and Regional Levie/ Pajak Daerah dan Retribusi Daerah (UU PDRD). This study uses a quantitative analysis approach, with an econometric model of panel data regression (unbalanced panel. The data used is in a span of 5 years, starting from 2015 to 2019 in regencies/cities in Indonesia except for cities in DKI Jakarta Province. The dependent variable used is Tax Effort is used, while the variables used in this study include General Allocation Fund/ Dana Alokasi Umum (DAU), Special Allocation Fund/ Dana Alokasi Khusus (DAK), Revenue Sharing Fund/ Dana Bagi Hasil (DBH), Population, Poor Population, and Administrative Status. Based on the results of panel data processing using regression analysis techniques, it shows that the central government transfer funds allocated to the regions through the General Allocation Fund (DAU) and the Special Allocation Fund (DAK) have a negative effect on tax effort, while the Revenue Sharing Fund (DBH) has a negative effect on tax effort. positive on regional tax effort. In addition, the results of the study also showed that the population had a negative effect on the tax effort, the number of poor people had a positive effect on the tax effort and administrative status which indicated whether the area was included in the status of a city or district area did not affect the regional tax effort. With the research results obtained, it can provide an overview of the behavior of local governments in responding to the mechanism of fiscal decentralization, especially with the many types and amounts of transfer funds to the regions, coupled with the transfer of authority to manage Rural and Urban Land and Building Taxes/ Pajak Bumi dan Bangunan Perdesaan dan Perkotaan (PBB P2) and Land Rights Acquisition Fees and Buildings/ Bea Perolehan Hak Atas Tanah dan Bangunan (BPHTB) become part of the district/city local government.

Pengaruh Ekonomi Global dan Domestik Terhadap Inflasi di Indonesia Dini Hariyanti; Soeharjoto Soekapdjo
Jurnal Ekonika : Jurnal Ekonomi Universitas Kadiri Vol. 5 No. 1 (2020): April 2020
Publisher : Fakultas Ekonomi Universitas Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30737/ekonika.v5i1.453

One of the biggest obstacles for countries economic growth compound is inflation. Government attempted to have lower and stable inflation.Â Purpose of this research is to determine effect of the global and domestic economy to inflation in Indonesia. Using quarterly time series data from 2009-2018 derived from the Indonesian Economic and Financial Statistics (SEKI), International Financial Statistics (IFS), and Investing. ECM regression model used for this research. For short term, interest rate and exchange rates have positive and significant effect to inflation. But money supply, GDP and oil price not significant, while in long term, interest rate and oil price have positive and significant to inflation, while money supply, GDP and exchange rates are not significant. Government policies are monitoring and anticipating global and domestic fluctuation, byÂ maintainingÂ the stability of interest rate and exchange rates, and also using environmentally friendly alternatives resources, in order to reducing dependence on oil. Besides that, government needs to undertake increasing of GDP to maintain people purchasing power and money supply distribution for productive sector which have biggest adding value by utilizing local resources.

SUMBER PENDANAAN ULTRA MIKRO GUNA PENGEMBANGAN USAHA Dini Hariyanti; Muhammad Zilal Hamzah; Nazmel Nazir; Darwin Hasiholan; Soeharjoto Soeharjoto
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 4 No. 2 (2023): Volume 4 Nomor 2 Tahun 2023
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v4i2.16377

Program pemberdayaan masyarakat sudah sering dilakukan oleh pemerintah agar tujuan pembangunan dapat terealisasikan dengan baik. Berbagai program telah dilakukan untuk membangun perekonomian sebagai bentuk wujud dan tujuan pembangunan masyarakat. Salah satu bentuk preprogram untuk mendorong usaha kecil mikro adalah capacity usaha ultra mikro. Ultra Mikro (UMi) merupakan salah satu solusi non-Financial yang diberikan kepada pesertanya berupa peningkatan capacity building kewirausahaan para pelaku agar dapat meningkatkan usahanya. Berdasarkan hasil evaluasi pelaksanaan pengabdian kepada masyarakat mengenai peningkatan capacity building dengan tema sumber pendanaan Ultra Mikro guna pengembangan Usaha bahwa aspek keberlanjutan, aspek kognitif, aspek transparansi, aspek afektif sangat diperlukan untuk menunjang keberhasilan pengembangan usaha bagi pendaan Ultra Mikro.

ANALISIS TAX EFFORT DAERAH DI INDONESIA Ade Aida; Dini Hariyanti; Sumiyarti
Media Ekonomi Vol. 30 No. 2 (2022): Oktober
Publisher : Lembaga Penerbit Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/me.v30i2.13818

This study was conducted to analyze the effect of central government transfers on regional taxation efforts covering districts/cities in Indonesia in the 2015-2019 range after the enactment of Law Number 28 of 2009 concerning Regional Taxes and Regional Levie/ Pajak Daerah dan Retribusi Daerah (UU PDRD). This study uses a quantitative analysis approach, with an econometric model of panel data regression (unbalanced panel. The data used is in a span of 5 years, starting from 2015 to 2019 in regencies/cities in Indonesia except for cities in DKI Jakarta Province. The dependent variable used is Tax Effort is used, while the variables used in this study include General Allocation Fund/ Dana Alokasi Umum (DAU), Special Allocation Fund/ Dana Alokasi Khusus (DAK), Revenue Sharing Fund/ Dana Bagi Hasil (DBH), Population, Poor Population, and Administrative Status. Based on the results of panel data processing using regression analysis techniques, it shows that the central government transfer funds allocated to the regions through the General Allocation Fund (DAU) and the Special Allocation Fund (DAK) have a negative effect on tax effort, while the Revenue Sharing Fund (DBH) has a negative effect on tax effort. positive on regional tax effort. In addition, the results of the study also showed that the population had a negative effect on the tax effort, the number of poor people had a positive effect on the tax effort and administrative status which indicated whether the area was included in the status of a city or district area did not affect the regional tax effort. With the research results obtained, it can provide an overview of the behavior of local governments in responding to the mechanism of fiscal decentralization, especially with the many types and amounts of transfer funds to the regions, coupled with the transfer of authority to manage Rural and Urban Land and Building Taxes/ Pajak Bumi dan Bangunan Perdesaan dan Perkotaan (PBB P2) and Land Rights Acquisition Fees and Buildings/ Bea Perolehan Hak Atas Tanah dan Bangunan (BPHTB) become part of the district/city local government.

Pengelolaan Keuangan Yang Efektif Bagi Wirausaha Di Kelurahan Krendang Jakarta Barat Anita Roosmalina Matusin; Dedie S Martadisastra; Ovy Noviati Nuraini Magetsari; Dini Hariyanti
Dirkantara Indonesia Vol. 2 No. 2: September-Februari 2024
Publisher : PT. Cendekia Sapta Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55837/di.v2i2.25

Pandemi Covid 19 telah memasuki tahun kedua melanda dunia termasuk Indonesia. Kondisi ini memberikan dampak yang sangat signifikan bagi dunia usaha di Indonesia. Seluruh bisnis baik yang berskala besar maupun berskala kecil, termasuk pelaku usaha UMKM terkena dampaknya. Dampak yang paling besar dirasakan adalah turunnya omset penjualan sehingga pendapatan dari hasil penjualan menjadi berkurang. Salah satu penyebab turunnya pendapatan adalah karena dikeluarkannya kebijakan pemerintah seperti PPKM (Pemberlakuan Pembatasan Kegiatan Masyarakat) untuk menanggulangi penyebaran Covid 19 di masyarakat, sehingga menyebabkan ruang gerak masyarakat dan dunia usaha semakin terbatas.Menurut Ketua Fokus UMKM Jakarta Roy Suryo, terdapat 5 masalah yang dihadapi oleh para pelaku usaha UMKM pada masa pandemi Covid 19, yaitu; masalah keuangan, SDM dan manajemen, motivasi dan teknologi, pasar dan bahan baku, dan institusi. Pelaku usaha UMKM di Kelurahan Krendang sama dengan pelaku usaha lainnya pada kondisi pandemi Covid 19 juga mengalami penurunan omset penjualan sehingga pendapatan juga mengalami penurunan yang akan mengganggu kegiatan produksi selanjutnya karena mengalami kekurangan modal usaha. Ketidaklancaran keberlangsungan produksi ini, disebabkan karena para pelaku usaha tidak mengelola modak kerjanya dengan baik, dengan cara menentukan besarnya kebutuhan modal kerja yang cukup sesuai dengan kebutuhan untuk membiayai kegiatan produksi. Oleh sebab itu untuk meningkatkan pengetahuan para pelaku usaha diperlukan pelatihan tentang bagaimana mengelola modal kerja bagi pelaku usaha UMKM di Kelurahan Krendang Jakarta Barat agar kegiatan produksi tidak terganggu yang disebabkan dengan masalah modal kerja serta dapat memperoleh keuntungan yang diharapkan

Determinants Of Indonesian Coal Exports Volume: Autoregressive Distributed Lag (Ardl) Approach Ego Bagas Anugerah Pratama; Dini Hariyanti; Sri Yani Kusumastuti
Asian Journal of Management, Entrepreneurship and Social Science Vol. 2 No. 04 (2022): November,Asian Journal of Management, Entrepreneurship and Social Science
Publisher : Cita Konsultindo Research Center

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The objective of this research was to analyze the short and long-term effect of Indonesia coal production levels, Coal Reference Prices (HBA), real exchange rates, China’s Manufacturing Purchasing Managers Index (PMI), Indonesia’s Manufacturing PMI, prices of biofuels (BBN) on Indonesia's coal export volume in the period of 2015 to 2021. This research used the Multiple Regression Method with the Autoregressive Distributed Lag (ARDL) model. The data used was monthly time series data for the period of August 2015 to August 2021. In the short term (1) the variable of coal production level has a significant positive effect on the volume of coal exports. (2) the real exchange rate variable has a significant negative effect on the coal exports volume. (3) the Indonesian manufacturing PMI variable has no significant effect on the coal exports volume. Whereas in the long term it showed that (1) the coal production level has a significant positive effect on the coal exports volume (2) the reference coal price has a significant positive effect on the coal exports volume. (3) The real exchange rate variable, the Indonesian manufacturing PMI, the Chinese Manufacturing PMI, and the price of biofuel have no significant effect on the Indonesian coal exports volume.

ANALYSIS OF INCLUSIVE ECONOMIC GROWTH INDEX AND INFLUENCING FACTORS (CASE STUDY OF REGENCIES/CITIES IN EAST JAVA PROVINCE) Budiyanti, Fatwa; Hariyanti, Dini; Adriyana, Mona
Jurnal Apresiasi Ekonomi Vol 12, No 3 (2024)
Publisher : Institut Teknologi dan Ilmu Sosial Khatulistiwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31846/jae.v12i3.820

The purpose of this study is to identify the variables that would affect East Java Province's Regency / City inclusive economic development index between 2017 and 2021. This study employed a descriptive quantitative research design. The Fixed Effect Model (FEM) was chosen as the suitable model for this research's panel data regression analysis, which was conducted using the Eviews 13 analytic tool. The results showed that the variable level of employment opportunities, good condition roads, residents who have health insurance and decent drinking water sources had a significant effect on the inclusive economic growth index. Meanwhile, the gini ratio and poor population variables do not have a significant effect on the inclusive economic growth index. These findings indicate that the indicators in Pillar 2 of Income Equality and Poverty Reduction are not sufficient to influence the East Java Province's districts' and cities' inclusive economic growth index.Keywords: Inclusive Economic Growth Index, Employment Opportunities, Roads in Good Condition, Gini Ratio, Population with Health Insurance, Adequate Drinking Water Sources.

Contribution of Creative Economy and Tourism to Inclusive Economic Development in Indonesia Fadilla, Meita Indah; Hariyanti, Dini; Putri, Farah Nabilla
Jurnal Riset Ilmu Ekonomi Vol. 4 No. 3 (2024): Jurnal Riset Ilmu Ekonomi (JRIE) Edisi Desember 2024
Publisher : Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jrie.v4i3.148

The role of the creative economy and tourism as one of the economic catalysts encourages the realization of inclusive development in Indonesia. This study aims to analyze the existence of a creative economy and tourism workforce, the wages/salaries of the creative economy and tourism workforce and domestic tourists, and the inclusive economic development. This research method uses quantitative statistical analysis with the Least Squares Dummy Variable (LSDV) technique. The research has sample of 34 provinces in Indonesia in 2018-2021. The results indicate that the rate of the creative economy and tourism labor, and the rate of tourism labor wages/salaries affect inclusive economic development positively and significantly. Meanwhile, the rate of domestic tourists and the wage/salary rate of creative economy labor affect inclusive economic development positively and insignificantly. This research implies that government and community involvement is needed to create a sustainable creative economy and tourism through various efforts, such as ecotourism, technology development, and policy realization, to increase innovation and creativity in this sector.

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

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.

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