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Factors Influencing Individual Involvement in Indonesia's Informal Economic Sectors Syafitri, Wildan; Prestianawati, Silvi Asna; Fawwaz, Muhammad; Imamia, Tsumma Lazuardini; Rasli, Amran
International Journal of Social Science and Business Vol. 8 No. 4 (2024): November
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ijssb.v8i4.77207

Abstract

This study aimed to investigate the factors influencing individuals to be involved in informal sectors in Indonesia. The factors include gender, marital status, age, education, migration, employment type, working hours, and income. Analyzing SAKERNAS 2020 data released by BPS using logistic regression method, this study found that all these factors have a significant influence on the employment sector (both informal and formal). The subjects’ characteristics such as being female, having particular marital status, aged over 40, educated at the senior high school level or lower, non-migrant status, involvement in agricultural business, working more than 8 hours a day, and earning a monthly income of 5 million rupiah, were found to influence individual preference of working in informal sectors. The study showed inequalities and gaps among individuals working in informal sectors in Indonesia, highlighting the need for the policymakers’ intervention to provide stimuli that can improve the welfare of informal economic actors and provide them with social protection.
Who Intends to Enter the Formal Sector the Most? Individual-Level Determinants of Formal Job Selection in Indonesia Susilo, Susilo; Pratomo, Devanto Shasta; Setyanti, Acellina Muara; Wicesa, Nayaka Artha; Prestianawati, Silvi Asna; Rasli, Amran; Abas, Imelda Hermilinda
International Journal of Social Science and Business Vol. 8 No. 3 (2024): August
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ijssb.v8i3.81023

Abstract

The informal sector in the labor market is often regarded as filled with low-quality, low-productivity, low-wage jobs. However, in Indonesia, the informal sector is important in absorbing more than half of the total workforce and providing subsistence wages for those not absorbed in the formal labor market. This study used SUSENAS microdata to determine the workforce determinants in working in the formal and informal sectors. The study results show that higher education, male gender, and living in an urban area increased one's chances of working in the formal sector. This study also found an inverted u-shaped curve on age, where a person's tendency to work in the formal sector would increase at the beginning of their productive age and decrease after entering the age of 27. Marital status in this study increased opportunities to work in the informal sector. This research may use to improve the labor policy and improve the job opportunity in both formal and informal sector.
Do governance and digital infrastructure support Asean-5 business growth? Prestianawati, Silvi Asna; Setyanti, Axellina Muara
Digital Theory, Culture & Society Vol. 1 No. 2 (2023): December
Publisher : C-DISC

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61126/dtcs.v1i2.15

Abstract

ASEAN is one of the fastest growing economies in the world and is one of the five largest economies in the world after the US, EU, China, and Japan. ASEAN-5, the founding countries of Indonesia, Malaysia, the Philippines, Singapore, and Thailand ("ASEAN-5"). The ASEAN-5 countries represent 6% of the world's population with a GDP of US$2.75 trillion, growing at an average rate of 3.7% in 2019. With a supportive business climate, ASEAN-5 countries could be the preferred destinations for local or foreign companies to venture into new businesses. This study aims to analyze the impact of governance and digital infrastructure on new business growth in ASEAN-5 countries, using panel data regression approach. This study finds that profit tax, corruption perception, internet user, secure internet and access to electricity are significantly correlated with new business growth. Time to start a business is found to be insignificant but negatively correlated with growth, implying that more efficient bureaucracy promotes business growth.
Institusi Ekonomi dan Penyaluran Kredit: Pengaruh Suku Bunga, Pajak, dan Investasi di ASEAN-5 Prestianawati, Silvi Asna; Aprilia, Yuyun Fahira; Rasli, Amran; Chanu, Ibemcha; Fawwaz, Muhammad
Jurnal Informatika Ekonomi Bisnis Vol. 7, No. 2 (June 2025)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v7i2.1113

Abstract

This research analyzes the role of economic institutions—reflected through interest rates, tax policies, and investment climate—in influencing domestic credit distribution in ASEAN-5 countries. Employing a descriptive quantitative approach, the study uses secondary data from the World Bank covering the period 2013–2022, focusing on Indonesia, Singapore, Malaysia, the Philippines, and Thailand. Panel data regression is used to estimate the effects of institutional variables. The findings reveal that interest rates and the number of new business registrations—an indicator of investment climate—positively and significantly impact domestic credit distribution. Conversely, tax levels show a significant negative effect, indicating that lower tax burdens are associated with greater credit distribution. These results underscore the importance of institutional quality in shaping financial intermediation within ASEAN-5 economies and provide insights for policymaking to strengthen credit markets.
[RETRACTED] The Paradox of Regional Development in Mandalika: An Augmented Qualitative Phenomenology Study on Child Labor Household Raja Sahing, Intan Tiani; Prestianawati, Silvi Asna
Journal of Development Economic and Social Studies Vol. 4 No. 3 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

[RETRACTED] Reducing regional development disparities is one of the key focuses of the Sustainable Development Goals (SDGs). The establishment of Special Economic Zones (SEZs) is one of the Indonesian government's efforts to enhance the equitable welfare of its society. One such SEZ is Mandalika in Central Lombok, which is currently being developed into a major investment magnet and tourism destination in Indonesia. However, a paradoxical phenomenon has emerged during this development process: the rise of child labor in Mandalika. Therefore, this study aims to uncover and analyze the phenomenon of child labor in Mandalika as a Special Economic Zone in Central Lombok, using the household perspective of child laborers and employing the augmented qualitative phenomenology method. The results indicate that poverty and the low educational levels of households with child laborers are the main factors driving children into the workforce. Furthermore, despite the low educational levels of the parents, they are determined to support their children’s education. In terms of health, households of child laborers in Mandalika exhibit low health literacy, as evidenced by all study participants lacking BPJS (Indonesia's health insurance) and being unable to provide nutritious food for their children. This study contributes as a stepping stone for both regional and national governments to focus on non-physical development in Mandalika, particularly improving education and human resources. Building physical infrastructure in Mandalika without accompanying human resource development would hinder the optimal impact of such development on the community. This study is also valuable for policymakers in planning comprehensive and participatory child labor alleviation strategies. The output of this research is expected to generate a strategic policy design for the local government of Central Lombok.
Institusi Ekonomi dan Penyaluran Kredit: Pengaruh Suku Bunga, Pajak, dan Investasi di ASEAN-5 Prestianawati, Silvi Asna; Aprilia, Yuyun Fahira; Rasli, Amran; Chanu, Ibemcha; Fawwaz, Muhammad
Jurnal Informatika Ekonomi Bisnis Vol. 7, No. 2 (June 2025)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v7i2.1113

Abstract

This research analyzes the role of economic institutions—reflected through interest rates, tax policies, and investment climate—in influencing domestic credit distribution in ASEAN-5 countries. Employing a descriptive quantitative approach, the study uses secondary data from the World Bank covering the period 2013–2022, focusing on Indonesia, Singapore, Malaysia, the Philippines, and Thailand. Panel data regression is used to estimate the effects of institutional variables. The findings reveal that interest rates and the number of new business registrations—an indicator of investment climate—positively and significantly impact domestic credit distribution. Conversely, tax levels show a significant negative effect, indicating that lower tax burdens are associated with greater credit distribution. These results underscore the importance of institutional quality in shaping financial intermediation within ASEAN-5 economies and provide insights for policymaking to strengthen credit markets.
Pemberdayaan UMKM untuk keberlanjutan usaha melalui penguatan manajemen keuangan, operasional, dan legalitas (NIB) Prestianawati, Silvi Asna; Syafitri, Wildan; Tamin, Annaurah Kireina Akmal; Fawwaz, Muhammad
Jurnal Pembelajaran Pemberdayaan Masyarakat (JP2M) Vol. 6 No. 2 (2025)
Publisher : Universitas Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33474/jp2m.v6i2.23402

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) merupakan sektor strategis dalam perekonomian Indonesia, berkontribusi sebesar 61% terhadap Produk Domestik Bruto (PDB) dan menyerap lebih dari 90% tenaga kerja. Namun, masih banyak UMKM yang menghadapi tantangan dalam pengelolaan keuangan, operasional, dan legalitas usaha. Kegiatan pengabdian ini bertujuan untuk meningkatkan keberlanjutan UMKM melalui pelatihan manajemen keuangan, operasional, serta asistensi pendaftaran Nomor Induk Berusaha (NIB). Metode yang digunakan berupa seminar interaktif dan pendekatan experiential learning, yang mencakup pemaparan materi, diskusi kelompok, simulasi pencatatan keuangan, serta praktik langsung pendaftaran NIB. Kegiatan dilaksanakan pada 3 Oktober 2024 di Balai Desa Bantur, Kecamatan Bantur, dengan melibatkan 47 pelaku UMKM, bekerja sama dengan Fakultas Ekonomi dan Bisnis Universitas Brawijaya (FEB UB) dan BRI KCP Universitas Brawijaya. Hasil evaluasi menunjukkan peningkatan skor literasi finansial peserta sebesar 36% berdasarkan pre- dan post-test. Sebanyak 68% peserta berhasil menyelesaikan pendaftaran NIB selama kegiatan berlangsung. Temuan ini menunjukkan bahwa integrasi edukasi finansial dan legalitas usaha dapat secara signifikan meningkatkan kesiapan UMKM dalam mengelola bisnis secara berkelanjutan. Program ini diharapkan menjadi model intervensi berkelanjutan melalui penguatan jejaring UMKM lokal dan akses terhadap layanan keuangan formal.
Strategi Pemasaran Melalui Pengembangan Label Merek Dagang pada Produk UMKM Desa Sumbertempur Kabupaten Malang Susilo, Susilo; Prestianawati, Silvi Asna; Husain, Hilmi Alwan; Kusuma, Wennie Candra; Septianto, Donny; Pasya, Shahida; Percy, Khayru Ambyarie; Fawwaz, Muhammad
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 6 No. 1.1 (2024): Jurnal Pengabdian kepada Masyarakat Nusantara (JPkMN) SPECIAL ISSUE
Publisher : Lembaga Dongan Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55338/jpkmn.v6i1.1.4973

Abstract

UMKM memiliki peran penting dalam pertumbuhan ekonomi Indonesia, namun seringkali menghadapi tantangan dalam strategi pemasaran, terutama pada desain label merek. Desain label yang kurang menarik dapat menghambat daya saing produk, sementara label yang baik mampu meningkatkan visibilitas, kepercayaan konsumen, dan penjualan. Kegiatan pengabdian ini bertujuan untuk membantu UMKM di Desa Sumbertempur, Kabupaten Malang, dalam meningkatkan desain label merek produk. Metode yang digunakan meliputi sosialisasi, konsultasi, dan pendampingan pembuatan label bersama mahasiswa desain. Hasil kegiatan menunjukkan bahwa desain label baru membantu meningkatkan citra dan daya tarik produk UMKM. Evaluasi dampak melalui respons konsumen dan penjualan juga menunjukkan hasil yang positif. Pendampingan ini diharapkan menjadi solusi berkelanjutan dalam mengatasi keterbatasan akses pemasaran UMKM serta menjadi model inspiratif bagi kegiatan serupa di masa depan.
ANALYSIS OF INVESTMENT CONTRIBUTION TOWARDS UNEMPLOYMENT AND POVERTY IN BATU CITY IN 2010-2012 Prestiana, Silvi Asna
Jurnal Ilmiah Mahasiswa FEB Vol. 1 No. 2
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

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Abstract

Batu city is a city in East Java province which has great potential to develop into city with high economic growth. The Gross Regional Domestic Product (GRDP) at current process (ADHB) of Batu throughout the five year period reached IDR. 3,697,778 billion. By the condition of potential in Batu, investment activity in Batu looks more incentive with the amount of investment that has realizes more than 1 (one) Trillion Rupiah in 2010-2012. It affected to the number of unemployed people and poverty in Batu gradually decreased in a high trend in 2010-2012. Therefore the aims of this study are; (1) To know the existing effect of investment against unemployment in Batu city 2010-2012; (2) To know the existing effect of investment against poverty in Batu city 2010-2012. Analytical methods to answer this research is panel regression. Panel data is a combination of cross section data and time series data. Cross section Data consisting of multiple objects at a time, while the time series data is data arranged in order of time for an object. Based on regression panel test, investment to unemployment and poverty has significant influence simultaneously and partially. The increasing of investment in Batu city as much as 1%, will decline unemployment as much as 0.030%. On the other hand, The contribution of investment to poverty is 73.2%. Meanwhile, the diversity of poverty variables can be explained by the variable investment of 73.2%, or in other words the contribution of investment to influent poverty in Batu as much as 55.9%, while the remaining 27% is the contribution of the other variables that are not addressed in this study. The increasing of investment by 1%, will be able to decrease poverty as much as 0.117%. If the number of investment is constant, it will change poverty of Batu (3.645%). Meanwhile, the greater investment, so the lower poverty level of Batu city. Keywords: Investment, Unemployment, Poverty
Bank Credit Development: A Study of Macro-Prudential Effect Sebastiana Viphindrartin; Silvi Asna Prestianawati; Ayman Nazzal
Jurnal Ekonomi dan Studi Pembangunan Vol 11, No 2 (2019)
Publisher : Universitas Negeri Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17977/um002v11i22019p177

Abstract

Macroprudential policy is a policy that leads to the analysis of the financials systems as whole as  of financials individuals including banking. This research want to show the effect of macroprudential policy on the development of banking credit in Indonesia by using monthly time series data from January 2010 until June 2017. This research uses several variables namely credits, exchange rates, Return on Assets (ROA), Loan to Deposits Ratio (LDR), Capitals Adequacy Ratio (CAR) and interest rates. The method used in this research is using Autoregressive (VAR). The result of this study indicate that macroprudential policy has an effect on the development of bank credit in Indonesia. Macroprudential policy that is Loan to Deposits Ratio (LDR) have an influence in improving credit development in Indonesia. In addition, the change in interest rate from the BI Rate to BI 7 Day Repo Rate affect the development of credit in Indonesia. Profit earned and capital owned by banks also affects the development of credit in Indonesia. These results are supported by Impulse Response Function (IRF) and Variance Decompotition (VD) tests where macroprudential policy appears stable in response to credit shocks.