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Maria Indriyani Hewe Tiwu
Fakultas Ekonomi dan Bisnis Universitas Nusa Cendana

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ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI TINGKAT PENGEMBALIAN KREDIT SUB SEKTOR PERTANIAN DI BANK NTT CABANG BAJAWA KABUPATEN NGADA Anthonius Ardianto Djawa Toda; Maria Indriyani Hewe Tiwu
E-Jurnal Ekonomi Pembangunan Vol. 13 No. 08 (2024): Vol. 13, No. 08, Agustus 2024
Publisher : Universitas Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/EEP.2024.v13.i08.p05

Abstract

This study aims to analyze the factors that influence the rate of return on credit in the agricultural sub-sector in NTT banks and to analyze the rate of return on credit in the agricultural sector. The data method used is qualitative research using data reduction analysis, data presentation, verification and conclusions. The results of the study show that the relationship between business characteristics and the rate of return on micro business credit is influenced by things such as business experience, business turnover and profits. Business experience greatly affects the rate of credit returns. The relationship between Credit Characteristics and Micro Business Credit Repayment Rates can be influenced by the loan amount, repayment period and borrowing experience. The greater the loan amount borrowed by the debtor, the greater the return, because in addition to paying off credit, the debtor also pays interest and installments. The repayment period also affects the rate of return on micro business credit because the longer the credit repayment period means that the monthly installment burden that must be paid is relatively lighter, when compared to a faster repayment period with the same loan amount. Keywords: Credit Return, Micro Business, and Agriculture
PERSEPSI MAHASISWA KOTA KUPANG TERHADAP PENERAPAN CBDC DI INDONESIA Andel Martinus; Maria Indriyani Hewe Tiwu; Novi Theresia Kiak
E-Jurnal Ekonomi Pembangunan Vol. 13 No. 07 (2024): Vol. 13, No. 07, Juli 2024
Publisher : Universitas Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/EEP.2024.v13.i07.p02

Abstract

This study aims to determine the effect of perceived benefits, convenience and security on the application of central bank digital currency from the perspective of students in Kupang city. This research uses a quantitative approach, namely analyzing data that processes data from respondent survey results. In determining the sample using Simple Random Sampling and the sample used in this study were 100 students in Kupang City as primary data. Data collection using questionnaires distributed to students studying in Kupang city. The data analysis technique used in this research is multiple linear regression analysis, T test and F test. The results of this study indicate that perceived benefits, convenience and security have a significant effect on the application of CBDC. Keywords: Digital Rupiah, Central Bank Digital Currency, perceived usefulness, perceived convenience, perceived security
PERAN KOPERASI SIMPAN PINJAM TERHADAP PERKEMBANGAN PELAKU USAHA MIKRO KECIL DAN MENENGAH (UMKM) DI KABUPATEN LEMBATA Heribertus Gaspar Baru; Fransina W. Ballo; Maria Indriyani Hewe Tiwu
E-Jurnal Ekonomi Pembangunan Vol. 13 No. 07 (2024): Vol. 13, No. 07, Juli 2024
Publisher : Universitas Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/EEP.2024.v13.i07.p03

Abstract

This research aims to determine the role of the Ankara Kopdit savings and loan cooperative in developing micro, small and medium enterprises (MSMEs) in Lembata Regency and to determine the efforts made by the Ankara savings and loan cooperative in empowering business actors in Lembata Regency. This research uses a qualitative approach. Data collection techniques were carried out using observation, interviews and documentation. The number of informants in this research was 8 people consisting of 1 employee of Ksp Kopdit Ankara and 7 MSME actors. The results of this research are: 1.) The role of the Ankara Kopdit Savings and Loans Cooperative in the development of MSMEs in Lembata Regency is as a capital financing party in the activities of MSME players to increase members' income and as a savings institution other than banks. 2.) The efforts of the Kopdit Ankara savings and loan cooperative are to empower the community's economy through providing activity counseling and activity assistance to improve the performance of business actors to be able to survive competition in the world of work. Keywords: Role, Saving and Loan Cooperative, Micro Small Medium Enterprises (MSME)
Co-Authors Andel Martinus Anthonius Ardianto Djawa Toda Fransina W. Ballo Heribertus Gaspar Baru Novi Theresia Kiak