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PENGARUH SUKU BUNGA KEDIT KONSUMSI, PENDAPATAN DAN INFLASI TERHADAP PERMINTAAN KREDIT KONSUMSI PADA BANK PERKREDITAN RAKYAT DI PROVINSI RIAU TAHUN 2008-2019 Ratnasari Dessy Wa; Widayatsari Any; Ekwarso Hendro
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 7, No 2 (2020): (Juli - Desember 2020)
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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This research aims to determine the effect of interest rate of consumption credit, income and inflation to consumption credit demand on Rural Banks in Riau Province. The method used is descriptive quantitative and analyzed simultaneously and partially with OLS (ordinary least square) multiple linear regression. The result of this study shows simultaneously variable of interest rate of consumption credit, income and inflation give significant effect to consumption credit demand on Rural Banks in Riau Province. Partially, interest rate of consumption has negative and significant on consumption credit, income has positive and significant on consumption credit, however inflation has negative and insignificant on consumption credit. Value of determination coefficient shows that interest rate of consumption credit, income and inflation has effect to the consumption credit demand to 75,46% and the remaining 24,54% in effected by other factors outside this research.Keywords: Interest Rate of Consumption Credit, Income, Inflation, Credit of Consumption

FAKTOR-FAKTOR YANG MEMPENGARUHI PENYALURAN KREDIT MODAL KERJA PADA BANK UMUM DI PROVINSI RIAU PERIODE 2009-2019 Zuliyan Desvani Nanda; Ekwarso Hendro; Widayatsari Any
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 7, No 2 (2020): (Juli - Desember 2020)
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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This study aims to determine how far Third Party Funds, Non-Performing Loans, and BI interest rates affecting the optimal distribution of Working Capital Loans at Public Banks in Riau Province during the period 2009 to 2019. This study uses independent variables of Third-Party Funds, bad loans risk or Non Performing Loans, and BI Interest Rate,and dependent variable is distribution of Working Capital Loansat Public Banks in Riau Province during the period 2009 to 2019. The data used in this research is quarter data from Q.1 2008-Q.42019. Data analysis techniques that used in this study is a multiple linear regression analysis or Ordinary Least Square (OLS), while hypothesis testing uses t-test to partially test the influence of variables and the F-test to test the effect of variables simultaneously with a significance level of 5%. The results of statistical tests with the - F test show that Third Party Funds, Non Performing Loans, and BI interestrates affect simultaneously or jointly on the distribution of Working Capital Loans at Public Banks in Riau Province period 2009-2019. While the results of statistical tests with the t-test show that the Third Party Funds variable have a significant positive effect on the distribution of Working Capital Loans, the Non Performing Loans variable does not affect the distribution of Working Capital Loans, and the BI interest rates variable have a significant negative effect on the distribution of Working Capital Loans.Keywords: : Distribution of Working Capital Loans, Public Banks, Third Party Funds, Non Performing Loans, and BI Interest Rates.

KARAKTERISTIK INDUSTRI KECIL MENENGAH PADA USAHA ROTI DI KOTA PEKANBARU Pandiangan Dinko; Ekwarso Hendro; isbah Ufira
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 7, No 2 (2020): (Juli - Desember 2020)
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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This study aims to determine: (1) The origin of the factors of production of the bread industry in Pekanbaru which includes capital, raw materials, and labor. (2) How to market the results of the bread industry in the city of Pekanbaru. (3) Map of the distribution of the bread industry in the city of Pekanbaru. This study uses a quantitative descriptive method with a sample of 5 bread business units in Pekanbaru. Data collection techniques using Observation, Interview and Documentation. The results showed that: (1) The origin of capital production factors came from own capital, the bread industry's raw materials came from cooperation with distributors of raw materials that exist outside the city of Pekanbaru, the workers in the Pekanbaru industry came from inside and outside the city of Pekanbaru. (2) Marketing in all bread industries in Pekanbaru is still within the scope of Riau Province. (3) Based on the map of the distribution of Small and Medium Enterprises in the bread business in the city of Pekanbaru, this bread industry is spread in 12 districts in Pekanbaru. The sub-districts with the most industrial locations are Payung Sekaki sub-districts and Senapelan subdistricts, each of which has 7 bread industry locations.Keywords: small and medium industries, bread businesses, industrial characteristics

ANALISIS PEMANFAATAN DANA DESA UNTUK PENINGKATAN PENDAPATAN MASYARAKAT DESA SARI GALUH KECAMATAN TAPUNG KABUPATEN KAMPAR Akhary Ilham; Ekwarso Hendro; Tampubolon Dahlan
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 7, No 2 (2020): (Juli - Desember 2020)
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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This study aims to determine the impact of the use of Village Funds for Increasing the Income of Sari Galuh Village, Tapung District, Kampar Regency. The research population is the entire community in Sari Galuh Village, which is the head of the family in Sari Galuh Village who are involved in the Village Fund utilization activities, as many as 145 families. The sampling technique in this study was purposive sampling using Taroyamane formula calculation so that as many as 34 respondents were obtained. The measurements taken in this study were using a questionnaire while the analyzing technique was using descriptive analysis and non-parametric test analysis with Sign Test (Sign test) ) and the Wilcolxon test using the SPSS program. Based on the results of the study, it was found that the utilization of the Village Fund had an impact on the Increased Income of the Community of Sari Galuh Village, Tapung District, Kampar Regency. This is because the income of the community before the existence of village funds is less compared to the existence of village funds. so that the utilization of village funds carried out in community empowerment and village development activities increased the income of village communities by 85.29% of the total study respondents felt the increase.Keywords: Village Funds, Utilization, Impacts, Income Increase

PENGARUH EKSPOR DAN UTANG LUAR NEGERI TERHADAP CADANGAN DEVISA DI INDONESIA TAHUN 2005-2019 Abqori Irwandi Rhobi; Ekwarso Hendro; Widayatsari Any
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 7, No 2 (2020): (Juli - Desember 2020)
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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This study aims to determine the influence of exports and foreign debt on foreign exchange reserves in Indonesia. This study uses independent variables consisting of exports and foreign debt, with the dependent variable, namely foreign exchange reserves. The data used in this study are annual data from 2005- 2019. The analytical method used is descriptive quantitative with multiple linear regression OLS (Ordinary Least Square) approach which is processed using EViews version 10. The test results show that exports and foreign debt simultaneously have a significant effect on foreign exchange reserves in Indonesia. Meanwhile, exports have a positive and significant effect on foreign exchange reserves in Indonesia and foreign debt has a positive and significant effect on foreign exchange reserves in Indonesia. In addition, the value obtained from the adjusted R2 is 93.35%.Keywords: Foreign Reserves, Exports, Foreign Debt.

ANALISIS DAMPAK PATRON CLIENT TERHADAP PENDAPATAN PETANI SAGU DI KECAMATAN MERBAU KABUPATEN KEPULAUAN MERANTI Fahmi Zuriyadi; Ekwarso Hendro; Taryono Taryono
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 7, No 2 (2020): (Juli - Desember 2020)
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi

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This research aims to determine the Patron Client system of sago farmers' income in Merbau District, Meranti Islands Regency The population of this research was 89 people who did patron client to sago farmers, and the sample was taken using the census sample method, that is, all the people who carried out the patron client were sampled. The type of data used were primary data and secondary data. Data collection techniques using interview techniques, questionnaire techniques, and documentation techniques. The analytical method used in this research is descriptive and quantitative using income formulas The results of this study illustrate the Patron Client System of Sago Farmers' Revenue in Merbau District, Kepulauan Meranti Regency. difference from Production Sectors. and the second system of Harvesting of this system is also different in each Toke in receiving purchases of crops by the owner of the sago plantation land, there are those who buy by way of the Petitioners and there are also Pertuals, with details of the costs purchased by each Toke vary. Based on the Patron Client, the income between the Sago Farmers and Toke Land Owners can be concluded that the size of the Land Ownership and Toke Income is in accordance with the size of the dependents of each Land Owner in his Toke Land. The dependents issued by the Land Owner are greater than the Toke dependents, so that the Income obtained by the Land Owner is smaller than the Toke income in Merbau Subdistrict, Kepulauan Meranti Regency.Keyword: Patron Client System, Sago Patani Revenue

ANALISIS FAKTOR-FAKTOR YANG MEMENGARUHI IMPOR TEH DI INDONESIA TAHUN 2000-2018 Oktavia Sucitra; Ekwarso Hendro; Darmayuda Darmayuda
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Ekonomi Vol 8, No 1 (2021): (Januari - Juni)
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This study aims to analyze and determine the effect of the real exchange rate of US Dollar and national income per capita on tea imports in Indonesia in 2000-2018. The variables observed in this study were the volume of tea imports as the dependent variable, then the real exchange rate and national income per capita as independent variables. This study uses secondary data that is time series in annual form starting from 2000-2018 obtained through the publication of the Central Statistics Agency, Bank Indonesia, the Ministry of Agriculture, and the World Bank. The model uses time series data which is calculated using multiple regression method using the Eviews 10 application. The results show that simultaneously the real exchange rate variable and the national income per capita have a significant effect on tea imports in Indonesia in 2000-2018. Partially, the real exchange rate variable has a negative and insignificant effect on tea imports in Indonesia, while the national income per capita variable has a positive and significant effect on tea imports in Indonesia in 2000-2018.Keywords: Imports, Rupiah real exchange rate against US dollar, National Income per capita

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